Search found 12824 matches

by Mel Lindauer
Mon May 21, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: WSJ Reporter doing story on MLPs affiliated with Williams Cos., Enbridge, and Cheniere Energy.
Replies: 0
Views: 212

WSJ Reporter doing story on MLPs affiliated with Williams Cos., Enbridge, and Cheniere Energy.

Hello Everyone: Laura Saunders, who covers taxes at the Wall St. Journal, would like to talk investors in units of the Master Limited Partnerships affiliated with Williams Cos., Enbridge, and Cheniere Energy. The acquisition of MLP units by the parent companies will likely trigger complex and costly...
by Mel Lindauer
Mon May 21, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 24
Views: 1973

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Does Vanguard normally create ETFs before creating mutual funds? I thought the mutual funds usually arrived before the ETFs. As you may know, at Vanguard, ETFs are merely a share class of existing mutual funds. However, since this is an ETF of two already existing ETFs with underlying mutual funds,...
by Mel Lindauer
Sat May 19, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Possibility of EE bond rates changing?
Replies: 8
Views: 713

Re: Possibility of EE bond rates changing?

it has long been the case that EE bonds only made sense for money you knew you didn’t need for twenty years. with rates higher across the board, it seems Treasury now has the opportunity to make them more competitive for other situations. While they certainly have the opportunity to make them more ...
by Mel Lindauer
Fri May 18, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Possibility of EE bond rates changing?
Replies: 8
Views: 713

Re: Possibility of EE bond rates changing?

The 20 year doubling rule has been in effect since May 2005. Fixed rate for EE Bonds issued in the six months after date: May 1, 2018 0.10% November 1, 2017 0.10% May 1, 2017 0.10% November 1, 2016 0.10% May 1, 2016 0.10% November 1, 2015 0.10% May 1, 2015 0.30% November 1, 2014 0.10% May 1, 2014 0...
by Mel Lindauer
Fri May 18, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Possibility of EE bond rates changing?
Replies: 8
Views: 713

Re: Possibility of EE bond rates changing?

While no one can predict the future, based on past interest rate environments, does anyone care to guess when/under what conditions the Treasury might change the rate offered by EE bonds? Either the fixed rate, or the doubling time? We have not bought this year’s allotment. If there is a chance any...
by Mel Lindauer
Thu May 17, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?
Replies: 8
Views: 710

Re: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?

If there's already an existing 529 Plan, you can deposit your gift directly into that account.
by Mel Lindauer
Wed May 16, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying I bonds - what is the purpose of Registration on TD website
Replies: 13
Views: 1434

Re: Buying I bonds - what is the purpose of Registration on TD website

I've been reading several posts on the pros and cons of buying I bonds...seems like most of the cons is associated with Treasury Direct's customer service and website itself and not necessarily disadvantages of holding I bonds. So we're thinking about moving ahead to purchase I bonds, $10,000 each ...
by Mel Lindauer
Tue May 15, 2018 11:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8929

Re: Yes, I'm 89 all right! [Jack Bogle]

dknightd wrote:
Tue May 15, 2018 8:00 pm
jack bogle wrote:
Tue May 15, 2018 9:16 am
To My Wonderful Bogleheads,
Is this really you? You do not post enough
Yes, it's really him. This was his 19th post. Most Bogleheads relish each anđ every one of them.

While he may not post very often, he does read the forum when he has time, so he
knows what's going on here.
by Mel Lindauer
Tue May 15, 2018 10:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8929

Re: Yes, I'm 89 all right!

It's always a real treat to see your name on a post, Jack.

Here's to many more of your birthday posts. You still have a way to go to catch-up up to Taylor. :)

See you in October.

Best regards,

Mel
by Mel Lindauer
Mon May 14, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need a Strategy
Replies: 9
Views: 984

Re: Need a Strategy

bnndaww wrote:
Mon May 14, 2018 8:47 am
what does AA stand for again?
AA = Asset allocation.
by Mel Lindauer
Mon May 14, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 2824

Re: Infrared Sauna at home

This thread is locked for Moderator review.
by Mel Lindauer
Sun May 13, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1460

Re: Seeing a rocket launch in FL

Since i lived in Florida, I've seen lots of rocket blastoffs, including many of the older manned ones, so i can tell you from experience that there's nothing like a nightime liftoff. I'd recommended you stay anywhere on the beach up to 50-75 or so miles north of the blastoff. That way, you'll be abl...
by Mel Lindauer
Sun May 13, 2018 10:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Mother's Day
Replies: 4
Views: 443

Happy Mother's Day

I want to wish all of our Boglehead mothers a very Happy Mother's Day. While we guys may not express our appreciation for all you do on a regular basis, at the very least we can do is take one day a year to do what we should do every day.
by Mel Lindauer
Fri May 11, 2018 11:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 47
Views: 3535

Re: Arizona Chapter

mlebuf wrote:
Fri May 11, 2018 12:31 am
Bump. Initial meeting is less than a week away.
My very best to Michael, my co-author and all of the other Arizona Bogleheads.
by Mel Lindauer
Thu May 10, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 60
Views: 8291

Re: Savings Bond Wizard to be eliminated 5/18

I hadn't even heard about the Savings Bond Wizard being eliminated until today, 05/10/2018, when I went to update my Savings Bond file from 04/2018. When the automatic update feature didn't work, I did some homework on my own. When I discovered the Savings Bond Calculator, I said to myself, "there'...
by Mel Lindauer
Wed May 09, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8791

Re: Warning: avoid Windows 10 update 1803

F150HD wrote:
Wed May 09, 2018 5:25 pm
This may be of use to many (unless its already been posted)

Image

Thanks for that. Very helpful. I used it on both of my computers and will undo it once the bugs get ironed out.
by Mel Lindauer
Tue May 08, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2428

Re: Happy 89th birthday to Bogle

Happy birthday, Jack. You're catching up with Taylor! :D

See you in October.

Best regards,

Mel
by Mel Lindauer
Tue May 08, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide Indexed Annuity
Replies: 7
Views: 585

Re: Nationwide Indexed Annuity

Here's a Forbes column I wrote some time ago about these awful products. Just say "No" and run away as fast as you can.

https://www.forbes.com/2010/08/10/truth ... a8a06a1257
by Mel Lindauer
Mon May 07, 2018 11:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 301
Views: 53702

Re: South Florida Local Chapter

Looks like our next local chapter meeting will be on Sunday, July 1, 2018, from 12 noon to 2:00 pm in Hollywood. Mel - perhaps the Florida League of Cities can reschedule their convention for early July so we can enjoy having you at the book signing :happy That would be nice, but it ain't gonna hap...
by Mel Lindauer
Mon May 07, 2018 11:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tulsa Local Chapter?
Replies: 29
Views: 6539

Re: Tulsa Local Chapter?

I volunteer to get it started. Let me know what needs to be done. Send me a PM with your first name and an email address that you'll use only for this purpose (something like TulsaBogleheads@gmail.com). (Since it will be added to the public Local Chapters Map so folks can contact you, you don't wan...
by Mel Lindauer
Mon May 07, 2018 10:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tulsa Local Chapter?
Replies: 29
Views: 6539

Re: Tulsa Local Chapter?

If someone is willing to step up and agree to be the new Local Chapter Coordinator, just PM me and we'll get your group going again.
by Mel Lindauer
Mon May 07, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 97
Views: 10550

Re: Total Bond - SEC yield breaks 3%

Bond fund investors need to read about and understand a bond fund's "duration". Match the fund's duration to your time horizon and in theory, you'll get approximately the return you expected when you purchased the fund.
by Mel Lindauer
Sat May 05, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Best Forex Books?
Replies: 5
Views: 519

Re: Best Forex Books?

My recommendation would be to forget Forex trading. Instead, invest in low-cost index funds and then stay the course.
by Mel Lindauer
Thu May 03, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2548

Re: What Android browser do you use?

Synced Chrome on everything.
by Mel Lindauer
Wed May 02, 2018 5:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 301
Views: 53702

Re: South Florida Local Chapter

Hello South Florida Bogleheads 8-) Please pencil in our next local chapter meeting on Sunday, July 1, 2018, from 12 noon to 2:00 pm in Hollywood. This date is not firmed up yet. We are waiting to see if Taylor's new book on the "Three-Fund Portfolio" will be published by then so we can have a nice ...
by Mel Lindauer
Wed May 02, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7067

Re: I-bond fixed rate = 0.3%

And don't forget about EE Bonds. They can come in handy for building a retirement annuity. Here's a Forbes column I did on that topic some time ago. https://www.forbes.com/sites/thebogleheadsview/2013/03/01/build-your-own-annuity/1#7deb6cb97ba3 But pretty much only if held 20 years and not too much...
by Mel Lindauer
Wed May 02, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7067

Re: I-bond fixed rate = 0.3%

And don't forget about EE Bonds. They can come in handy for building a retirement annuity. Here's a Forbes column I did on that topic some time ago. https://www.forbes.com/sites/thebogleheadsview/2013/03/01/build-your-own-annuity/1#7deb6cb97ba3 But pretty much only if held 20 years and not too much...
by Mel Lindauer
Wed May 02, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7067

Re: I-bond fixed rate = 0.3%

I'm waiting for the "do I buy now or wait until November?" threads to start rolling. :P :P :P I should have also said "and folks reminiscing about back when the fixed rate was 3% and you could buy them with a credit card" We've already been heard from! :-) https://www.bogleheads.org/forum/viewtopic...
by Mel Lindauer
Wed May 02, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7067

Re: I-bond fixed rate = 0.3%

And don't forget about EE Bonds. They can come in handy for building a retirement annuity.

Here's a Forbes column I did on that topic some time ago.

https://www.forbes.com/sites/theboglehe ... eb6cb97ba3
by Mel Lindauer
Tue May 01, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7067

Re: I-bond fixed rate = 0.3%

(Yes, I know some smart and/or fortunate souls own 3%+ fixed-rate iBonds, I just tip my hat to them.) Those were the days when we could buy 30k per SS# using a credit card. I still like iBonds for the tax deferral, guaranteed principal, and low/no early redemption penalties after 1 year/5 years. An...
by Mel Lindauer
Tue May 01, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7420

Re: Series I Bonds in April/May 2018

cruzbay wrote:
Tue May 01, 2018 11:16 am


Second question, does it have to be your own child's college or could it be that of a niece/nephew?

Thanks in advance for your insight on these questions!
Has to be your own dependent.
by Mel Lindauer
Mon Apr 30, 2018 3:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 30
Views: 4012

Re: metro Denver Bogleheads?

All we need is a coordinator and you'll be back in business. PM me if you're willing.
by Mel Lindauer
Mon Apr 23, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9278

Re: Boglehead Philosophy Open To Change?

This thread has run its course and is locked.
by Mel Lindauer
Sun Apr 22, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8395

Re: Vanguard Web Site Down?

stocknoob4111 wrote:
Sun Apr 22, 2018 8:24 pm
Getting a Page Not Found after logging in and can't navigate to any link on the site related to account information...
Site's working fine.
by Mel Lindauer
Sun Apr 22, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9278

Re: Boglehead Philosophy Open To Change?

T. I can literally show you 101 bloggers that disagree with you. Just because someone is a blogger doesn't make them an expert. In fact, it's important to note that ANYONE can be a blogger, but very few of them are experts, even though many of them (and their readers) think they are. I'll take an e...
by Mel Lindauer
Fri Apr 20, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8347

Re: “The Smell of Retiree Mon$y...”

WARNING: I've had to remove a large number of posts that contained religious comments and argued various interpretations of the Bible. Any further religious posts and this thread will be locked.
by Mel Lindauer
Sun Apr 15, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: EE Bonds Education/Tax Question
Replies: 3
Views: 258

Re: EE Bonds Education/Tax Question

Unless she's your dependent, I don't see how you'd be able to use them tax-free for qualifying educational expenses. Well, my then wife and I would be married and filing a joint return starting this year. She would be claimed as a dependent on our tax return, right? I have no way of knowing if she'...
by Mel Lindauer
Sun Apr 15, 2018 4:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Jersey chapter needs new coordinator
Replies: 21
Views: 6167

Re: New Jersey chapter needs new coordinator

If someone is willing to step up and become the new Local Chapter Coordinator, PM me and we'll get it done.
by Mel Lindauer
Sun Apr 15, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: EE Bonds Education/Tax Question
Replies: 3
Views: 258

Re: EE Bonds Education/Tax Question

Unless she's your dependent, I don't see how you'd be able to use them tax-free for qualifying educational expenses.
by Mel Lindauer
Sun Apr 15, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2897

Re: "guaranteed" 6% return vs index fund investing

Others have asked, but it hasn't been answered, so here goes again. Why does this business need the money? And why can't they get it at a lower rate from the bank?

Something doesn't make sense here.
by Mel Lindauer
Fri Apr 13, 2018 7:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 47
Views: 3535

Re: Arizona Chapter

Hello All, I am interested in starting up the Arizona Chapter again. Michael LeBoeuf, one of the authors of The Bogleheads' Guide to Investing, said he would also have an interest in joining if enough people are interested. He would be a great resource and I think this group could really excel. Any...
by Mel Lindauer
Tue Apr 10, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7420

Re: Series I Bonds in April/May 2018

When do the May 2018 rates get announced? I seem to remember that they are announced a few days in advance. I finally have the funds to make my I Bond Purchase for this year.. but I can obviously wait that one extra month an do it at the end of May if the fixed rate goes up to 0.2% or more (one can...
by Mel Lindauer
Tue Apr 10, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7420

Re: Series I Bonds in April/May 2018

When do the May 2018 rates get announced? I seem to remember that they are announced a few days in advance. I finally have the funds to make my I Bond Purchase for this year.. but I can obviously wait that one extra month an do it at the end of May if the fixed rate goes up to 0.2% or more (one can...
by Mel Lindauer
Tue Apr 10, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Porting a Landline Phone Number to Wireless?
Replies: 7
Views: 541

Re: Porting a Landline Phone Number to Wireless?

Yes, I ported my landline number to a cheap cell phone for a few months until Magic Jack could port my number to my Magic Jack device.
by Mel Lindauer
Tue Apr 10, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7420

Re: Series I Bonds in April/May 2018

When do the May 2018 rates get announced? I seem to remember that they are announced a few days in advance. I finally have the funds to make my I Bond Purchase for this year.. but I can obviously wait that one extra month an do it at the end of May if the fixed rate goes up to 0.2% or more (one can...
by Mel Lindauer
Mon Apr 09, 2018 7:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 2078

Re: Improving Local Boglehead Chapter Meetings

Thanks for sharing this success story with everyone.

Perhaps this thread can serve as a place where other Local Chapter Coordinators and members can offer their ideas about what has and hasn't worked for them.
by Mel Lindauer
Sun Apr 08, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Help Me Make The Case Against Online Trading Academy
Replies: 33
Views: 2473

Re: Help Me Make The Case Against Online Trading Academy

Yes, exactly...I believe I mentioned this to him in the initial conversation and he said something like "these people have already made all the money they would ever need, and now they just want to help others" ......wow Someone needs to get their BS meter out. If they've already made all the money...
by Mel Lindauer
Mon Apr 02, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: John Norstad website missing [The Fallacy of Time Diversification]
Replies: 3
Views: 518

Re: John Norstad website missing [The Fallacy of Time Diversification]

John's work has been widely read and highly regarded for years. Hope he's just taking some time off to relax and that this doesn't mean he's no longer with us.
by Mel Lindauer
Wed Mar 28, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1278

Re: Freshly Minted Boglehead

Glad to hear that our first book (The Bogleheads' Guide to Investing) proved helpful in getting you started on the path to financial freedom.

Good luck! Just keep doing what you're doing and you'll get there.