Search found 12929 matches

by Mel Lindauer
Mon Oct 15, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 132
Views: 33488

Re: Vanguard has switched to brokerage only accounts

It's called "YTD", but in only shows "Income" YTD and the current month's transactions. I checked last year's Dec. statement and it did not include the full year's transactions like it used to do before the conversion to their Brokerage system; it only included the Dec. transactions. That means you...
by Mel Lindauer
Sat Oct 13, 2018 10:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 32
Views: 4939

Re: metro Denver Bogleheads?

aeromarkco wrote:
Sat Oct 13, 2018 7:05 pm
Hello,

I just joined....been reading the forum for years. I'm interested in taking the lead on a local chapter. I tried to PM you Mel however I'm a newbie and that capability has not been enabled
Thanks
Mark
It will be enabled after you make a few posts (I don't remember the exact number).
by Mel Lindauer
Fri Oct 12, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 33
Views: 2635

Re: anybody sell I Bonds to buy something else?

hand wrote:
Fri Oct 12, 2018 9:21 am
VictoriaF wrote:
Wed Oct 10, 2018 11:05 am
You don't buy I Bonds for their earnings. You buy them for protection from inflation.

Victoria
And protection from deflation!
That's true. And the greater the deflation, the higher the I Bond real return.
by Mel Lindauer
Thu Oct 11, 2018 10:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: michael survivors
Replies: 16
Views: 1882

Re: michael survivors

Hello Taylor, Mel, BH Floridians and others in the hurricanes path. I just saw some video of the devestation @ mexico beach fl. Yikes. Looks bad. Thoughts and prayers for a speedy recovery to you! If you don't have a grab'n'go bag packed.... now is a good time to put one together!!!! https://www.fe...
by Mel Lindauer
Thu Oct 11, 2018 10:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: West Michigan Bogleheads Chapter - chat
Replies: 34
Views: 1649

Re: New West Michigan Bogleheads Chapter Established

OK, it's official; you're our newest Local Chapter. Here's the relevant information: ChapterName: West Michigan Bogleheads Contact information: David wmbogleheads@gmail.com Map location: Grand Rapids, MI Good luck to our West Michigan Bogleheads Local Chapter. Feel free to use this thread to chat wi...
by Mel Lindauer
Thu Oct 11, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5007

Re: 2018 Bogleheads Conference Notes

Dear Bogleheads, Hi again! What a wonderful 2018 Boglehead’s Conference that has just ended! Informative as usual, warm and friendly, a chance to make new friends and meet old ones, and explore the nuances of Boglehead investing. I wish to sincerely thank Mel Lindauer, the captain of the ship. He a...
by Mel Lindauer
Thu Oct 11, 2018 1:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead 2018 Conference Photos
Replies: 2
Views: 470

Re: Boglehead 2018 Conference Photos

Hello All: Here is a link https://pongophotos.zenfolio.com/bh2018 to my photos from the Bogleheads 2018 conference in Philly. You should be able to download any photo you want in full resolution. Please let me know if that doesn't happen. Regards, Greg Jones (aka Pongo) Thanks for your continuing c...
by Mel Lindauer
Wed Oct 10, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 33
Views: 2635

Re: anybody sell I Bonds to buy something else?

VictoriaF wrote:
Wed Oct 10, 2018 11:05 am
You don't buy I Bonds for their earnings. You buy them for protection from inflation.

Victoria
Bingo!
by Mel Lindauer
Wed Oct 10, 2018 11:06 am
Forum: Local Chapters and Bogleheads Community
Topic: West Michigan Bogleheads Chapter - chat
Replies: 34
Views: 1649

Re: West Michigan Bogleheads Chapter - Who's interested?

I will be retiring in January and I would be willing to coordinate. I was thinking of the 131 and 31 corridors: KZO to GRR, South Haven to Muskegon, but no limitations for those who want to drive in from up north or Lansing area. I live in metro GR. Looks like you've got enough interested Boglehead...
by Mel Lindauer
Tue Oct 09, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 12
Views: 1988

Re: BOGLEHEADS 2018 VIDEOS

Here's the video Vanguard produced and showed during our 2018 Bogleheads Conference visit to Vanguard. It celebrates the 20th birthday of our founding of the Bogleheads on Morningstar in 1998. It includes some very nice comments from Jack Bogle about his Bogleheads. Vanguard was nice enough to share...
by Mel Lindauer
Tue Oct 09, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5007

Re: 2018 Bogleheads Conference Notes

By the way you can change the Chrome "autoplay-policy" easily, which I recommend. Here is the current link to my photos.... PS. For those of you who are curious about my photographic process, here goes!... I think there is something wrong with your "process". Everyone at the meeting looked 10 years...
by Mel Lindauer
Tue Oct 09, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5007

Re: 2018 Bogleheads Conference Notes

Here's the video Vanguard produced and showed during our 2018 Bogleheads Conference visit to Vanguard. It celebrates the 20th birthday of our founding of the Bogleheads on Morningstar in 1998. It includes some very nice comments from Jack Bogle about his Bogleheads. Vanguard was nice enough to share...
by Mel Lindauer
Mon Oct 08, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5007

Re: 2018 Bogleheads Conference Notes

Dear Bogleheads, Hi again! What a wonderful 2018 Boglehead’s Conference that has just ended! Informative as usual, warm and friendly, a chance to make new friends and meet old ones, and explore the nuances of Boglehead investing. I wish to sincerely thank Mel Lindauer, the captain of the ship. He a...
by Mel Lindauer
Sat Oct 06, 2018 10:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Calling all JACKSONVILLE FLORIDA Bogleheads (Northeast Florida)
Replies: 4
Views: 892

Re: Calling all JACKSONVILLE FLORIDA Bogleheads (Northeast Florida)

Let me know if you want to make your group official. If so, I'll add your group and contact info to the Locsl Chapter map.

PM me.
by Mel Lindauer
Mon Oct 01, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 29377

Re: 2018 BOGLEHEADS CONFERENCE UPDATE

More exciting news for those who will be attending our Conference next month: Author, Wall Street Journal columnist and Bogleheads' favorite, Jason Zweig, will be joining us. I've added him to the Q&A with the Experts Panel. Jason will also be signing books during the book signing session, so bring...
by Mel Lindauer
Sat Sep 29, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Safe harbor / Withholding question
Replies: 7
Views: 758

Re: Safe harbor / Withholding question

I'm not a tax expert, buy my understanding is that withholding 100% of the previous year's tax from one's RMD satisfies one of the safe harbor requirements, since withholding is considered to have been equally distributed throughout the year. That's what many folks do to avoid having to make quarter...
by Mel Lindauer
Sat Sep 29, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity within an IRA--can I transfer it?
Replies: 7
Views: 722

Re: Annuity within an IRA--can I transfer it?

Hello, We have what I believe is a Fixed Index Annuity--purchased in 2015 and IRA $$ was used to fund it. (I know, don't beat me up and they give these things such fancy-sounding names--you really have to dig through the weeds to determine what it really is). My age is mid50s--Does anyone know if I...
by Mel Lindauer
Sat Sep 29, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity within an IRA--can I transfer it?
Replies: 7
Views: 722

Re: Annuity within an IRA--can I transfer it?

Hello, We have what I believe is a Fixed Index Annuity--purchased in 2015 and IRA $$ was used to fund it. (I know, don't beat me up and they give these things such fancy-sounding names--you really have to dig through the weeds to determine what it really is). My age is mid50s--Does anyone know if I...
by Mel Lindauer
Sat Sep 29, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buy I-bonds Oct 2018 for EF? If not, what else?
Replies: 7
Views: 1140

Re: Buy I-bonds Oct 2018 for EF? If not, what else?

Thank you all for your past help! I saw some discussions on this forum in the past few months that I bonds are no longer as great as they were in the past low interest rate environment. DW and I max out all our tax-advantaged savings account. Last year, we began to move some of our emergency fund t...
by Mel Lindauer
Sat Sep 29, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Buying I-Bonds
Replies: 11
Views: 1308

Re: Buying I-Bonds

You could put the money in a 529 Plan and any earnings would be tax-free if used for qualifying educational expenses. However with a short time horizon, the interest earned on a safe investment will probably be very small, so it may not be worth the effort.
by Mel Lindauer
Thu Sep 27, 2018 3:41 am
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 3260

Re: How to set up direct deposit to Vanguard Prime Money Market?

I would also add (and I told the Vanguard representative this on two recent telephone calls) that they need to provide actual "year to date" account statements like the older system. In other words, one statement at year end (or quarterly for those who prefer) that includes every single transaction...
by Mel Lindauer
Wed Sep 26, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 3260

Re: How to set up direct deposit to Vanguard Prime Money Market?

Hi Mel - Did you “upgrade” to the brokerage accounts? Yes, reluctantly, and I wish I hadn't. I've called it a "downgrade" rather than an "upgrade". I've identified and reported a number of things that constitute steps backwards, rather than forwards. I have heard (but can't verify because I haven't...
by Mel Lindauer
Wed Sep 26, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 3260

Re: How to set up direct deposit to Vanguard Prime Money Market?

I have Ally Savings account but since Vanguard Prime MM is earning more, I want to direct deposit straight to Vanguard Prime MM. I am not even sure why Vanguard made our settlement account Vanguard Federal Money Market Fund (that's worse than Prime MM)... How do I do this with the least steps possi...
by Mel Lindauer
Sun Sep 23, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 3260

Re: How to set up direct deposit to Vanguard Prime Money Market?

I have Ally Savings account but since Vanguard Prime MM is earning more, I want to direct deposit straight to Vanguard Prime MM. I am not even sure why Vanguard made our settlement account Vanguard Federal Money Market Fund (that's worse than Prime MM)... How do I do this with the least steps possi...
by Mel Lindauer
Sat Sep 22, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36284

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Don't forget to post your positive reviews on Amazon since that helps other readers decide if Taylor's book is right for them.
by Mel Lindauer
Tue Sep 18, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3452

Re: a low grade in a 9th-grade test

This relationship issue has run its course and is locked.
by Mel Lindauer
Sun Sep 16, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 9665

Re: Got a Question for the Experts Panel at the Bogleheads Conference?

Mel Turner has gathered your questions and is now assembling them and priotizing them so we can cover the widest range of the most important questions.

Mel won't be taking any more questions. This thread is now locked.
by Mel Lindauer
Sun Sep 16, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4058

Re: The Boglehead is anti-entrepreneur?

To say that Bogleheads are anti-entrepreneur is simply a non-starter. I don't think anyone would claim that Jack Bogle, Rick Ferri and Mel Lindauer are not Bogleheads, and yet all three are entrepreneurs. In addition to those three, the Bogleheads Community includes a large number of other entrepren...
by Mel Lindauer
Sat Sep 08, 2018 9:06 am
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 220
Views: 57459

Re: New York City Local Chapter established

DrAdam wrote:
Sat Sep 08, 2018 1:58 am
Hi Everyone,

I'm new to this forum. Are there any NYC area meetups happening this year?

Many thanks,
Adam
See the post immediately above yours.
by Mel Lindauer
Fri Sep 07, 2018 11:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 57
Views: 9622

Re: Salt Lake City Bogleheads

White Coat Investor wrote:
Fri Sep 07, 2018 11:52 am
Sure, why not? I'll come and I'll be prepared to present something.
That would definitely be a "don't miss it" reason to attend.
by Mel Lindauer
Thu Sep 06, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Savings Bonds Yield
Replies: 4
Views: 375

Re: Help with Savings Bonds Yield

Caution-I'm no math wizzard and can't get my head around I bond interest rates. I purchased some in 2010 with a rate of 2.78%. 5K bond now worth $5958. Last valuation shows yield of 2.11%. How does the computation work? There were no I Bonds issued with a FIXED RATE of 2.78%, so if you're using tha...
by Mel Lindauer
Thu Sep 06, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 5956

Re: Taylor's new book is #1

Don't forget to post your reviews on Amazon. Potential buyers rely on reviews to help in their decision-making.
by Mel Lindauer
Thu Sep 06, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2648

Re: How do you handle Healthcare costs in retirement

And don't overlook the possible need for (and cost of) Part D (drug coverage). The cost of some drugs could put you in the poor house very rapidly if you don't have adequate coverage.
by Mel Lindauer
Wed Sep 05, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing annuity for wife
Replies: 21
Views: 2234

Re: Purchasing annuity for wife

May we assume that you're talking about a Single Premium Immediate Annuity (SPIA)? If so, that might be a reasonable move to make sure that she had a steady income stream without her having to worry about handling investments. Keep in mind that if she's relatively young and has a long life expectanc...
by Mel Lindauer
Wed Sep 05, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct has awesome phone support! Thanks!
Replies: 21
Views: 1823

Re: Treasury Direct has awesome phone support! Thanks!

Thanks for sharing...I am sure your post will be followed by many others complaining :) And very possibly well-deserved criticism. I wonder why someone as smart and savvy as Livesoft had to call CS in order to be able to navigate the clunky TD website? (That's a rhetorical question that doesn't req...
by Mel Lindauer
Wed Sep 05, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 18
Views: 1215

Re: Dealing with paper EE bonds with elderly parent

Since EE Bonds only get interest credited every six months, you're losing interest unless you redeem them on the six- or twelve-month anniversary of issue.

So be sure to redeem them properly to maximize interest.
by Mel Lindauer
Tue Sep 04, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 5956

Re: Taylor's book is #1

That is great. Congrats Taylor. I wonder what the purpose of https://boglecenter.net/ is. It looks like a fund raising site. The Center's mission is clearly stated on the site you linked to; "Help us continue Vanguard founder John C. Bogle’s crusade to see that investors get their fair share of mar...
by Mel Lindauer
Tue Sep 04, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 5956

Taylor's new book is #1

Hi everyone: I'm delighted to report that Taylor's new book (The Bogleheads' Guide to the Three-Fund Portfolio) is ranked #1 in the Investing Portfolio Management category on Amazon. Taylor thanks all those who've purchased the book since the the royalties go to The John C. Bogle Center for Financia...
by Mel Lindauer
Mon Sep 03, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities
Replies: 7
Views: 1120

Re: Annuities

One other thing to keep in mind is that you don't want to annuitize all of your savings since you'll need money available for emergencies.
by Mel Lindauer
Mon Sep 03, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities
Replies: 7
Views: 1120

Re: Annuities

Some live longer than expected while others die before reaching their full life expectancy. The insurance company doesn't care which group you eventually fall into. The folks who die younger than expected are subsidizing those who live longer, not the insurance company. The insurance company only ca...
by Mel Lindauer
Mon Sep 03, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 29377

Re: 2018 BOGLEHEADS CONFERENCE UPDATE

More exciting news for those who will be attending our Conference next month: Author, Wall Street Journal columnist and Bogleheads' favorite, Jason Zweig, will be joining us. I've added him to the Q&A with the Experts Panel. Jason will also be signing books during the book signing session, so bring ...
by Mel Lindauer
Sat Sep 01, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5172

Re: Will I ever sell Ibonds from 2001 - 3% fixed

This thread has run its course and is locked.
by Mel Lindauer
Tue Aug 28, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Series EE Bonds: Extended Maturity Period Rates
Replies: 5
Views: 882

Re: Series EE Bonds: Extended Maturity Period Rates

Can someone direct me to a simple table showing the rates for extended maturity periods for EE bonds, 1988 through the mid 90s? Got about $15K in face value in my daughter's name and want to get rid of them (I mean bestow them on her). Just wondering which, if any, are worth keeping after their mat...
by Mel Lindauer
Sun Aug 26, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3544

Re: Any issue with not holding mid caps?

I hope that I have shown that they are not necessary. Looking at portfolio visualizer, if you use mid caps you get a slight better risk-adjusted-return. It must be because of diversification. As I stated previously, the lower risk-adjusted returns are most likely the result of avoiding or minimizin...
by Mel Lindauer
Sat Aug 25, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3544

Re: Any issue with not holding mid caps?

Thanks for proving my point, Nisi. As I stated, and as your charts show, since mid-caps were the outright winners, there's no combination of large and small that would have outperformed mid-caps alone. It’s possible that is true for short periods of time, but it is not true generally or universally...
by Mel Lindauer
Sat Aug 25, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3544

Re: Any issue with not holding mid caps?

Thanks for proving my point, Nisi. As I stated, and as your charts show, since mid-caps were the outright winners, there's no combination of large and small that would have outperformed mid-caps alone. It’s possible that is true for short periods of time, but it is not true generally or universally...
by Mel Lindauer
Sat Aug 25, 2018 10:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Singapore Local Chapter Established
Replies: 33
Views: 7809

Re: Singapore Local Chapter Established

bubbasour wrote:
Sat Aug 25, 2018 1:35 am
Hi Karan, I just thought that it would be easier to access through mobile than the forum..
Feel free to use this thread and this forum to communicate with each other. You can do that using your mobile device or your computer.
by Mel Lindauer
Thu Aug 23, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3544

Re: Any issue with not holding mid caps?

Quick reality check. What are your eyeballs telling you? Cherry-picking alert, isn't quite "since inception" because I thought there was some weird stuff going on in the first six months of VIMSX and I snipped it off and began at 1999. Blue is mid-caps (VIMSX), orange is small-caps (NAESX), and gre...
by Mel Lindauer
Thu Aug 23, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3544

Re: Any issue with not holding mid caps?

According to Morningstar the structure of the US total market is as follows: Large cap 76% Mid cap 18% Small cap 6% If I were to tilt small, as many here do, I would be squeezing the mid cap band to an insignificant portion of my portfolio. Would I suffer any negative consequences by doing so? Has ...