Search found 12426 matches

by Mel Lindauer
Thu Jul 20, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: move US Savings Bonds to Vanguard
Replies: 8
Views: 566

Re: move US Savings Bonds to Vanguard

Wife and I hold 9 Series EE & I US Savings Bonds currently value $3099. yielding from 3.62% to 5.84%. The paper bonds are registered in her or my name individually. 1. Is there a way to move these bonds directly into our taxable Vanguard account setup as a family trust account without loosing A...
by Mel Lindauer
Mon Jul 17, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6213

Re: anyone retire and move to a planned community in FL?

I started visiting Florida as a snowbird and rented all over the state, looking for the ideal place to retire. I ended up choosing Daytona Beach Shores and now live right across the street from the beach. Low cost of living, low property taxes, no inheritance or estate tax, etc. Casual living at it...
by Mel Lindauer
Mon Jul 17, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 70
Views: 7894

Re: % bogleheads of overall population

mickeyd wrote:
The average # of unique visitors per day


Who qualifies as a unique visitor Mel?


One individual.
by Mel Lindauer
Sat Jul 15, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 70
Views: 7894

Re: % bogleheads of overall population

Another interesting stat: The average # of unique visitors per day is around 70,000 and we get up to 90,000 unique visitors on some days.
by Mel Lindauer
Sat Jul 15, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 70
Views: 7894

Re: % bogleheads of overall population

I would think that one of the mods could tells us the number of site members (including lurkers) and we could divide by 300MM and call it good enough. I'd guess its pretty small. We're not 4Chan. :D There are people that hit the max that are not Bogleheads, and Bogle-head types that do not hit the ...
by Mel Lindauer
Sat Jul 15, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6213

Re: anyone retire and move to a planned community in FL?

I started visiting Florida as a snowbird and rented all over the state, looking for the ideal place to retire. I ended up choosing Daytona Beach Shores and now live right across the street from the beach. Low cost of living, low property taxes, no inheritance or estate tax, etc. Casual living at it'...
by Mel Lindauer
Thu Jul 13, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3497

Vanguard Leadership Changes Announced

Hello Everyone: Thought I'd share the following news with you in case you haven't already heard. First, effective today, the Board of Directors of The Vanguard Group unanimously elected Vanguard’s Chief Investment Officer Tim Buckley as president and director of Vanguard and announced plans for him ...
by Mel Lindauer
Thu Jul 13, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a Legacy treasury direct bond
Replies: 3
Views: 219

Re: Selling a Legacy treasury direct bond

Not sure I understand your situation, since Treasury Direct is an online service where everything's handled electronically between the acct. owner and his/her bank. No need for a broker. Can you clarify?
by Mel Lindauer
Wed Jul 12, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: EE Bonds?
Replies: 44
Views: 1825

Re: EE Bonds?

Here's a Forbes column I did some time agao on using EE Bonds as an annuity to help finance retirement.

https://www.forbes.com/sites/theboglehe ... 8a08ed7ba3
by Mel Lindauer
Tue Jul 11, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity
Replies: 5
Views: 472

Re: Variable Annuity

I'm sure it's accurate if the contract is really old. I've seen other company contracts like that and yes it's a true return like a CD. Impossible to get in this environment. She needs some assets that would grow faster than inflation but this piece is pretty damn good for bonds. While its true tha...
by Mel Lindauer
Tue Jul 11, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity
Replies: 5
Views: 472

Re: Variable Annuity

Sometimes the increase is not in the actual cash value that your Mom could actually get if she redeemed the annuity. Rather, it's in a fictional value that her annuity payout would be based on when/if she annuitized. You can find out by asking exactly how much she'd get if she surrendered the annuit...
by Mel Lindauer
Sat Jul 08, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11346

Re: "Bond wipeout has just begun"???

Match your bond holdings to the bond fund's duration and then ride it out. Mel, with all due respect, can you explain what that means? I don't think what you wrote just there even makes any sense. I assumed he meant: hold each bond fund for at least as long as the average duration of the fund. But ...
by Mel Lindauer
Sat Jul 08, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11346

Re: "Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? https://www.bloomberg.com/news/...
by Mel Lindauer
Thu Jul 06, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11346

Re: "Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? https://www.bloomberg.com/news/...
by Mel Lindauer
Thu Jul 06, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 2838

Re: Do you keep a balance in your settlement fund?

Under the old system, you could keep a $0 balance in your settlement acct. and they would automatically transfer the exact amount of money from your Prime MM to cover any check you wrote. Under the new "upgrade", that's no longer true. If you don't have enough $$ in your settlement acct.,...
by Mel Lindauer
Thu Jul 06, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 2838

Re: Do you keep a balance in your settlement fund?

Under the old system, you could keep a $0 balance in your settlement acct. and they would automatically transfer the exact amount of money from your Prime MM to cover any check you wrote. Under the new "upgrade", that's no longer true. If you don't have enough $$ in your settlement acct.,...
by Mel Lindauer
Thu Jul 06, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 2838

Re: Do you keep a balance in your settlement fund?

Under the old system, you could keep a $0 balance in your settlement acct. and they would automatically transfer the exact amount of money from your Prime MM to cover any check you wrote. Under the new "upgrade", that's no longer true. If you don't have enough $$ in your settlement acct., ...
by Mel Lindauer
Thu Jul 06, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Introduction and Thanks
Replies: 3
Views: 505

Re: Introduction and Thanks

Welcome to the forum. It appears to me that you're already well ahead of most of your contemporaries. Good luck in your journey to financial freedom!
by Mel Lindauer
Wed Jul 05, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Newly married, new doc, new investor and new Boglehead in search of advice
Replies: 18
Views: 1897

Re: Newly married, new doc, new investor and new Boglehead in search of advice

Hello all, Following a colleague's recommendation I picked up The Bogleheads Guide to Investing book this past weekend, and just about never put it down, finishing it a few days later. The book has opened up my mind quite a bit and now all I want to do is learn more and work towards a smarter, more...
by Mel Lindauer
Wed Jul 05, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Are Annuities A Worthwhile Retirement Investment?
Replies: 52
Views: 5006

Re: Are Annuities A Worthwhile Retirement Investment?

There's simply no getting around the fact that most annuities (other than Single Premium Immediate Annuities) are overpriced insurance products that have no place in the majority of Bogleheads' portfolios. Again, here are some Forbes columns I wrote on these products which are almost always sold, no...
by Mel Lindauer
Tue Jul 04, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 52
Views: 3696

Re: Medicare Supplement Policies?

I object to Medicare Advantage on philosophical grounds, as having grown up in England I am a big proponent of single payer. However, I have not found being on Medicare makes it difficult to find doctors in my area. I am currently looking for a new PCP and all the doctors I have considered take Med...
by Mel Lindauer
Tue Jul 04, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Your View: Vanguard Variable Annuity or just use Taxable account
Replies: 13
Views: 1143

Re: Your View: Vanguard Variable Annuity or just use Taxable account

I am just wondering if this approach makes sense ... my long term preference when I come to finally have a permanent retirement portfolio in not to annuitize but to then transfer money possible to Wellesley Fund or Target retirement .. ( I like 30 /35 Bond to rest equity ratio). .... Should I persi...
by Mel Lindauer
Sat Jul 01, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are Annuities A Worthwhile Retirement Investment?
Replies: 52
Views: 5006

Re: Are Annuities A Worthwhile Retirement Investment?

If variable annuities are so bad (and I agree with nedsaid and nisi that they are) then why are they offered by Vanguard (provided by Transamerica)?? Now granted "The average costs for the Vanguard Variable Annuity are more than 70% lower than the industry average for variable annuities."...
by Mel Lindauer
Sat Jul 01, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3916

Re: Anyone else got all their eggs in only the Vanguard basket?

Here's a cut-and-paste of a post I made years ago on the old Morningstar Vanguard Diehards forum: ************************************************************* What if Vanguard Went Broke? This is a very serious and timely issue, so I'll address it to hopefully set everyone at ease. First, The Vangu...
by Mel Lindauer
Fri Jun 30, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are Annuities A Worthwhile Retirement Investment?
Replies: 52
Views: 5006

Re: Are Annuities A Worthwhile Retirement Investment?

Here are six Forbes articles I did on annuities. Hopefully they'll help provide you with some background on the different annuity types. https://www.forbes.com/2010/06/04/variable-annuities-high-cost-surrender-fees-personal-finance-bogleheads-view-lindauer.html https://www.forbes.com/2010/07/29/sing...
by Mel Lindauer
Wed Jun 28, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 4220

Re: Does Jack Bogle have a conflict of interest?

simplesauce: Paul Merriman wrote: " Compare the audience for Bogle's recommendations to ours ." Bogleheads can compare Mr. Merriman's " Fund Advice " portfolio HERE. Best wishes. Taylor Can I have the envelope, please? Kinda puts things in perspective, doesn't it, Taylor? Jack t...
by Mel Lindauer
Wed Jun 28, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Taxes on I Series Bonds negate purchasing power protection?
Replies: 12
Views: 1657

Re: Taxes on I Series Bonds negate purchasing power protection?

Since the I Bond composite rate can never go below 0%, you'd outstrip inflation after taxes if you experienced a prolonged period of DEflation. The greater the deflation rate and longer the deflation period, the higher the after-tax REAL return would be on the I Bonds. And, as was mentioned above, ...
by Mel Lindauer
Wed Jun 28, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 4220

Re: Does Jack Bogle have a conflict of interest?

So betting against the market return makes one a "sophisticated investor"? Gimme a break!

That's how money managers make their money; trying to make investors think they've got a "sophisticated" system.

My money's with Jack.
by Mel Lindauer
Wed Jun 28, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Taxes on I Series Bonds negate purchasing power protection?
Replies: 12
Views: 1657

Re: Taxes on I Series Bonds negate purchasing power protection?

Since the I Bond composite rate can never go below 0%, you'd outstrip inflation after taxes if you experienced a prolonged period of DEflation. The greater the deflation rate and longer the deflation period, the higher the after-tax REAL return would be on the I Bonds. And, as was mentioned above, t...
by Mel Lindauer
Mon Jun 26, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: Eight Signs You are a Seasoned Investor by Johnathan Clements
Replies: 19
Views: 4408

Re: Eight Signs You are a Seasoned Investor by Johnatan Clements

Paul: Jonathan Clements is second only to John Bogle when it comes to "helping ordinary investors get a fair shake." I followed Mr. Clements for many years in the Wall Street Journal where he wrote over 1,000 columns. I saved many of them. I love his 11 signs you own the right portfolio t...
by Mel Lindauer
Sat Jun 24, 2017 7:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 48
Views: 4842

Re: [Virtual online chapter - Master thread]

OK, it's official. The new Virtual Online Chapter and contact info will be added to the Bogleheads Local Chapter Map as Chapter #73.

Contact info that will be added:

Contact name - Larry
Contact email - virtualbogleheads@gmail.com

Good luck to our newest Chapter.
by Mel Lindauer
Sat Jun 24, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7218

Re: Poll: Do Bogleheads own Stocks?

After review, this thread will remain locked.
by Mel Lindauer
Fri Jun 23, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: [NY Times: Index fund evangelist is straying From His Gospel]
Replies: 32
Views: 3593

Re: Burton Malkiel: An index-fund evangelist is straying from his gospel

This duplicate thread is locked. See viewtopic.php?p=3419071#p3419071

[Post merged into here. see below. --admin LadyGeek]
by Mel Lindauer
Tue Jun 20, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on delaying sales of assets because of possible lower tax rates
Replies: 8
Views: 816

Re: Reporter doing story on delaying sales of assets because of possible lower tax rates

The Wizard wrote:Sort of a proposed legislation kind of article, eh?


Yes, and while discussion of proposed legislation is not allowed here on the forum, it's for the WSJ, where it is allowed.
by Mel Lindauer
Tue Jun 20, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on delaying sales of assets because of possible lower tax rates
Replies: 8
Views: 816

Reporter doing story on delaying sales of assets because of possible lower tax rates

Hi Everyone:

Laura Saunders, a known reporter for the Wall Street Journal would like to hear from investors willing to be quoted about whether they are delaying sales of assets (or not) in hopes of a lower tax rate. Contact her directly. Her email is Laura.Saunders@wsj.com
by Mel Lindauer
Mon Jun 19, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3860

Re: Need to find Loaded Index Funds

IMO, that's absurd. My recommendation would be to look for a new job where your and your clients' interests are on the same side of the table.
by Mel Lindauer
Sat Jun 17, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4218

Re: Got a Question You'd Like to Ask Jack Bogle?

VictoriaF wrote:Jack,

What are you favorite topics in the Bogleheads Forum?

Victoria


I'm also looking forward to hearing Jack's answer to that one, Victoria.
by Mel Lindauer
Wed Jun 14, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Whole Life Insurance as part of retirement portfolio
Replies: 20
Views: 4337

Re: Advice on Whole Life Insurance as part of retirement portfolio

If not a whole policy, are there any alternatives that anyone may suggest? Consider Total Stock Market and Total Internatonal Stock Market in taxable, both of which are very tax-efficient. I-Bonds might be considered if it will be less than 30 years until you retire and have lower income then. Tax ...
by Mel Lindauer
Wed Jun 14, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4218

Re: Got a Question You'd Like to Ask Jack Bogle?

Any more questions for Jack? Fire away right here!
by Mel Lindauer
Wed Jun 14, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 1186

Re: Best windows based laptop

My choice was an ultra-thin, lightweight 2-in-1 Lenovo Yoga 900 with an Intel i7 chip, 16gb of memory and a 512gb SSD. Not cheap, but something that should still be still be able to handle any workload thrown at it for years to come. Love it!
by Mel Lindauer
Mon Jun 12, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1474

Re: Anyone enrolled in Part B of Medicare?

For better coverage, you need to look into purchasing a Supplemental or Medigap policy.

https://www.google.com/search?q=supplem ... e&ie=UTF-8
by Mel Lindauer
Mon Jun 12, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: TreasuryDirect - death of account holder
Replies: 20
Views: 2176

Re: TreasuryDirect - death of account holder

Sorry you're having to go through this, letsgobobby. You're experiencing the exact TD nightmare I predicted a long time ago, but my warnings were poo-poo'd by many TD fans back then. Even having a printout doesn't prove ownership, and, as you've found out, many (most) financial institutions will no ...
by Mel Lindauer
Mon Jun 12, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Vanguard's Personal Advisory Service (PAS)
Replies: 4
Views: 1095

Re: Reporter doing story on Vanguard's Personal Advisory Service (PAS)

Aren't there any Bogleheads who are using Vanguard's Personal Advisory Service who would like to share their experience (positive or negative)?
by Mel Lindauer
Mon Jun 12, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Vanguard's Personal Advisory Service (PAS)
Replies: 4
Views: 1095

Reporter doing story on Vanguard's Personal Advisory Service (PAS)

Hello Everyone: A known reporter for a national publication is interested in talking to investors who've used Vanguard's Personal Advisory Service (PAS) and are willing to share their experiences (good or bad) for publication. If you fit that profile and are willing to be interviewed for the story, ...
by Mel Lindauer
Tue Jun 06, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Purchase
Replies: 99
Views: 10380

Re: Bitcoin Purchase

This thread has run its course (topic exhausted) and is locked.
by Mel Lindauer
Fri Jun 02, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Indexed Annuity
Replies: 8
Views: 583

Re: Fixed Indexed Annuity

Here's a Forbes column I did on these god-awful things titled "The Truth About Equity Indexed Annuities". https://www.forbes.com/2010/08/10/truth-about-equity-indexed-annuities-personal-finance-bogleheads-view-lindauer.html Just say "NO" and avoid the "free" dinners in ...
by Mel Lindauer
Thu Jun 01, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Me - a true story
Replies: 21
Views: 8001

Re: Mr. Bogle and Me - a true story

Great story - thanks for bumping. I noticed one of those Bogle Bobbleheads currently up for auction on a popular online auction site - they must have been rare based on the price. The $500 for the ebay Bogle Bobblehead (no bids yet, 850 buy it now) seems like a bargain since it possesses such power...
by Mel Lindauer
Thu Jun 01, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Me - a true story
Replies: 21
Views: 8001

Re: Mr. Bogle and Me - a true story

Great story - thanks for bumping. I noticed one of those Bogle Bobbleheads currently up for auction on a popular online auction site - they must have been rare based on the price. Curious to know what the current bid price is. We auctioned off a couple to raise money to support the forum a while ba...
by Mel Lindauer
Thu Jun 01, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 28
Views: 4218

Q&A WITH JACK BOGLE - Got a Question for Jack?

Hello Everyone: Once again I'll have the distinct pleasure of moderating a Question and Answer session with our friend and mentor, Jack Bogle. The Q&A will take place during our annual get-together with Jack at the 2017 Bogleheads Conference in Philadelphia on October 18-20. Many of you won't be...

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