Search found 12999 matches

by Mel Lindauer
Tue Dec 18, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 10
Views: 1259

Re: Just how good is I-bonds' nominal guarantee during deflation?

Deflation and interest rate increases are two separate things, ... Good point, telemark!. The original poster seems to be confusing these two events. In 2015 we had very mild deflation. During that time the inflation adjustment for I bonds went to zero, but their real (after deflation) rate was som...
by Mel Lindauer
Tue Dec 18, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 10
Views: 1259

Re: Just how good is I-bonds' nominal guarantee during deflation?

Actually, the higher the rate of DEflation, the higher the REAL rate of return on the I Bonds. So the I Bonds are the REAL (pun intended) winner. The longer the deflationary period, the more you'll wish you owneI Bonds.

So, I Bonds offer both inflation AND deflation protection
by Mel Lindauer
Mon Dec 17, 2018 9:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a central New Jersey chapter?
Replies: 12
Views: 485

Re: Any interest in a central New Jersey chapter?

Looks like you've got enough. Let's get this Local Chapter up and running. PM me JediMisty when you've got the new email address that you'll use for this.

Good luck and best regards.

Mel
by Mel Lindauer
Fri Dec 14, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 13
Views: 1458

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Another great podcast with another great guest. Good job; you're a natural, Rick.
by Mel Lindauer
Fri Dec 14, 2018 7:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Forming new chapter-Virginia Beach
Replies: 21
Views: 489

Re: Forming new chapter-Virginia Beach

[Thread merged into here, see below. --admin LadyGeek] Virginia Beach. Does Chapter 11, hampton roads diehards still exist? If not then I would like to start a new Virginia Beach Chapter. All interested please reply. Let me know via PM if you get the Virginia Beach group started and I'll add your g...
by Mel Lindauer
Wed Dec 12, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4291

Re: Why I use Roth for bond instead of stock. Please correct me...

I am 69 and retired. Wife is 64, and she will likely live to age 95. My Roth is !00% equities, because we don't need it, and it won't be touched until my wife dies, 30 yrs hence. When wife dies, the beneficiaries of the Roth will be grand-kids and great grand-kids, where the mandatory distributions...
by Mel Lindauer
Tue Dec 11, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Keepsake Savings Bonds?
Replies: 9
Views: 588

Re: Keepsake Savings Bonds?

If it is a small enough denomination, you could just keep it and not cash it in. Stops earning after 30 years, but this way you could frame it and pass it on to an heir. Don't forget that even if you don't redeem the bonds at their final maturity (30 years), you'll still owe taxes on all the intere...
by Mel Lindauer
Sun Dec 09, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11851

Re: 20M Inheritance - What is best option for small/no risk on principal?

fwdmotion wrote:
Thu Dec 06, 2018 6:30 pm

Does anyone have anyone they can recommend for a fee only advisor?
You can call Boglehead author and columnist, Allan Roth, CFP, CPA, MBA, at Wealth Logic. He's a fee-only advisor. His office number is 719-955-1001.
by Mel Lindauer
Sun Dec 09, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1621

Re: Christine Benz next podcast guest

Kchawkeye11 wrote:
Sun Dec 09, 2018 10:58 am
I had no idea that Bogleheads had a podcast. I just subscribed.
It's a relatively recent (2018) addition but will now be a regular (monthly) feature.

Rick's got some interesting folks lined up for future podcasts. Stay tuned.
by Mel Lindauer
Sun Dec 09, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1621

Re: Christine Benz next podcast guest

I'm looking forward to hearing your podcast with Christine, Rick. I'm sure it will be interesting and informative, as have all of your previous ones.

(For those who don't know, Christine is a regular panel member at the Q&A with the Experts sessions at the annual Bogleheads Conferences.)
by Mel Lindauer
Thu Dec 06, 2018 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 29
Views: 5056

Re: Hawaii Bogleheads, where are you?

Anyone willing to step up and be the Local Chapter Coordinator for one or more Island Local Chapters? If so, contact me via PM and we'll get thing moving along.

Aloha,

Mel
by Mel Lindauer
Wed Dec 05, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Morningstar forum gone?
Replies: 11
Views: 1525

Re: Morningstar forum gone?

The search feature is basically useless, since it can't seem to find things that I know exist.
by Mel Lindauer
Tue Dec 04, 2018 8:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: LadyGeek -- the next 10K poster!
Replies: 39
Views: 5381

Re: LadyGeek -- the next 10K poster!

LadyGeek wrote:
Tue Dec 04, 2018 8:19 pm
Thanks! FYI - Barry Barnitz is bumping a 2013 thread.
And another FYI. LadyGeek is now approaching 50,000 posts. (She's almost at 49K at present.)
by Mel Lindauer
Fri Nov 30, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1626

Re: When to cash in EE Savings Bonds

If you cash them in at a bank or credit union, they will send you a 1099. I've done this many, many times. Lately, I've matched them up with college tuition payments to cancel out the taxes. I actually had one bank issue the 1099 right at the time of redemption. Others do as you said and send the 1...
by Mel Lindauer
Thu Nov 29, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1626

Re: When to cash in EE Savings Bonds

Whatever you decide, be aware that interest is only credited SEMIANNUALY, so you'd want to redeem the bonds on the six-month or twelve-month anniversary of issue date.
by Mel Lindauer
Sat Nov 24, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: PersonalCapital.com advisor service? Whats your thoughts?
Replies: 6
Views: 413

Re: PersonalCapital.com advisor service? Whats your thoughts?

nix4me wrote:
Sat Nov 24, 2018 11:39 am
I would recommend no.

Paying fees is just giving money away for no reason.
I agree.
by Mel Lindauer
Fri Nov 23, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Two I-Bond questions (strategy and withdrawal)
Replies: 7
Views: 1062

Re: Two I-Bond questions (strategy and withdrawal)

Question #1: Currently the fixed rate for I-Bonds is at 0.50 which seems to be the highest it's been in years. If I'm only able to purchase about 4k-5k of i-bonds per year (per my financial situation) does it make sense to sell any i-bonds I might have at a lower rate for the current (better) rate ...
by Mel Lindauer
Thu Nov 22, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3899
Views: 1090122

Re: What Movie Have You Recently Watched?

steve roy wrote:
Mon Oct 15, 2018 5:00 pm
“A Star Is Born” — Bradley Cooper does a good job as director and co-star. It’s the old chestnut first concocted by William Wellman in 1937, bit if you accept the story for the fairy tale it is, the flick is enjoyable.
+1 While I'm not a movie buff, I thoroughly enjoyed this movie, too.
by Mel Lindauer
Thu Nov 22, 2018 8:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving to all
Replies: 19
Views: 1017

Re: Happy Thanksgiving to all

An interesting tidbit of Bogleheads history. It was a post just like this that I made on the old Morningstar forum on Thanksgiving Day,1999 that led to the Bogleheads Conferences. In that Morningstar forum post, we all said what we were thankful for (family, friends, including forum friends). Taylo...
by Mel Lindauer
Thu Nov 22, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4585

Re: My Name is Paul, and I am a Larimore Boglehead

At age 81 and after many years of trying various funds and even arguing with Taylor on some of his advice, I am now down to two funds: Total Stock Market Index and Total Bond Market Index with Money Market Prime as a third fund. I would include myself in the Larimore Group Bogleheads - initially re...
by Mel Lindauer
Thu Nov 22, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Need A Chromebook Recommendation
Replies: 16
Views: 1350

Re: Need A Chromebook Recommendation

I recently reviewed this new HP 14" Chromebook for Best Buy. 14" higher res touchscreen, lighted keyboard with great feel and a better processor, more memory and more storage than most other Chromebooks. This is my third Chromebook, and the first one that I fell in love with. https://store.hp.com/us...
by Mel Lindauer
Tue Nov 20, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4585

Re: My Name is Paul, and I am a Larimore Boglehead

Hi Paul:

Thank you for the kind words. You've been a valuable contributor to the Bogleheads Community for a long, long time. Here's hoping you'll continue to help those who come here seeking a road map to their financial success.

Happy Thanksgiving!

Best regards,

Mel
by Mel Lindauer
Tue Nov 20, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Let's Talk About Annuities
Replies: 11
Views: 1364

Re: Let's Talk About Annuities

May I ask a silly question? If I have no heirs, is an annuity (the normal kind, SPIA) a better investment than bonds? (not really comparing to MM or treasuries 'cause I know they're lower). In other words, if I don't care what happens after I die, annuity beats bonds, right? If I understand correct...
by Mel Lindauer
Mon Nov 19, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17265

Re: Vanguard lowering Admiral level to $3,000?

Outafter20 wrote:
Mon Nov 19, 2018 9:47 am
The million dollar question - will the LifeStrategy and Target Retirement funds use the Admiral shares now?
I've been pushing for that for years. Let's hope they get around to doing it.
by Mel Lindauer
Sun Nov 18, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Comment from Bogleheads book about future market gains
Replies: 10
Views: 1313

Re: Comment from Bogleheads book about future market gains

Greetings, Bogleheads, my name is Casey and this is officially my first post/question. I am an Air Force colonel stationed overseas with my family. I just finished reading The Bogleheads Guide to Investing, and a few times in the book (I wish I could find where) it mentions that we probably won't e...
by Mel Lindauer
Thu Nov 15, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 55
Views: 5128

Re: Northwestern Mutual nightmare - help needed

How ridiculous is it to try to justify placing a high-cost tax-deferred product like an annuity inside an already tax-deferred IRA? IMO, it's totally unethical and it should be against the law.
by Mel Lindauer
Wed Nov 14, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads On Investing" podcast stats and more
Replies: 21
Views: 1767

Re: "Bogleheads On Investing" podcast stats and more

Turning the tables on Christine, who's usually hosting and asking the questions should be a real treat for all of us, Rick. She's one of my very favorite people and we're fortunate to have her at the annual Bogleheads Conferences as an Expert Panel member. Keep up the good work, Rick. Looking forwar...
by Mel Lindauer
Wed Nov 14, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: i-bonds vs muni bond
Replies: 18
Views: 3465

Re: i-bonds vs muni bond

The primary purpose of I Bonds is to.protect the future spending power of your curent assets in a risk-free way. They're also tax-deferred for up to 30 years and are free from state and local taxes. Finally, they can be used tax-free for qualifying educational expenses. One needs to understand the ...
by Mel Lindauer
Wed Nov 14, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 55
Views: 5128

Re: Northwestern Mutual nightmare - help needed

Call the Annuity folks at Vanguard (800-462-2391) and the Vanguard Retirement Group (800-284-7245). If this is in an IRA, you can transfer it into non-annuity investments at Vanguard. Fill out the proper IRA transfer paperwork and then let them do all the work for you. Other than the surrender fees,...
by Mel Lindauer
Wed Nov 14, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Treating I-Bonds as Long-term Bond Holdings
Replies: 30
Views: 4669

Re: Treating I-Bonds as Long-term Bond Holdings

It seems very few talk about "long term" returns of I Saving Bonds. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm I did a quick math from 11/1/1998 - 10/31/2018 - Ibonds returned 3.2% annual return - and its Tax free!! VBMFX (vanguard total bond fund) ha...
by Mel Lindauer
Wed Nov 14, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 55
Views: 5128

Re: Northwestern Mutual nightmare - help needed

In addition to the possible tax hit for cashing in the annuity, there probably are high surrender fees since you've only had your relationship for three years. Surrender fees normally are in place for five to seven years and sometimes even longer, so be sure to check that out before making your fina...
by Mel Lindauer
Tue Nov 13, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Selling I Bonds/Buying New I Bonds?
Replies: 9
Views: 1293

Re: Sell old I-bonds to buy new ones?

Does it make sense to sell I-bonds purchased in April 2012 (0%) to buy new I-bonds at 0.5%, rather than just buying more I bonds this year? And if I do would I have to pay tax on the sale, or can I just "flip" them? Thanks in advance. It sounds like you have the money to buy more, so that's what I'...
by Mel Lindauer
Mon Nov 12, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: i-bonds vs muni bond
Replies: 18
Views: 3465

Re: i-bonds vs muni bond

Actually, if one redeems I Bonds and puts the entire proceeds into a 529 Plan, that qualifies for the tax-free treatment on the I Bond interest, since the 529 is a qualifying educational expense. I didn't know that, thanks. Honestly I'm still struggling with the real point of i-bonds, aside from em...
by Mel Lindauer
Sat Nov 10, 2018 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2431

Re: U. S. Marine Corps Birthday

Yeah Happy Birthday! Just curious as I have never asked before as I don't talk about my Marine experience. But my recent visit to Vietnam was healing. Anybody served in the 3rd Amtrac Battalion 1st Marine Division at Marble Mountains during the 1968 Tet offensive? I visited the Marble Mountains, wh...
by Mel Lindauer
Sat Nov 10, 2018 12:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2431

Re: U. S. Marine Corps Birthday

Dontwasteit wrote:
Sat Nov 10, 2018 7:49 am
Sorry for the double post...Maybe here it"s worth it.
I took care of it. Semper Fi to all my fellow Marines.

Mel
USMC 1956-60
by Mel Lindauer
Thu Nov 08, 2018 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: December 9 DC Bogleheads Meeting with Stephen Goss, Chief Actuary of Soc Security
Replies: 28
Views: 3356

Re: Special DC Bogleheads Meeting with Steve Goss, Chief Actuary of Soc Security

The next meeting of DC Bogleheads will be Sunday, December 9, from 2:30-4:30 in the auditorium of the Arlington Central library in Ballston. Our special guest speaker will be Stephen Goss, the Chief Actuary of Social Security. The Office of Chief Actuary plans and directs a program of actuarial est...
by Mel Lindauer
Wed Nov 07, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3237

Re: Mid and Small Caps?

We’re 1/3 each S&P 500, 400, and 600. Play around with portfoliovisualizer and read the “midcaps anyone?” thread https://www.bogleheads.org/forum/viewtopic.php?t=34838 paying extra special attention to what poster Trev H says. If you get lucky, Mel might show up and grace us with His Presence. Stil...
by Mel Lindauer
Wed Nov 07, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20109

Re: COMING SOON: BOGLEHEADS PODCASTS

There are two more now: Dr. David Blitzer, head of the S&P Dow Jones Index Committee Jonathan Clements, founder of Humble Dollar, author and former Wall Street Journal columnist. Click HERE I've listened to your first three podcasts, Rick, and I must say that you're extremely well prepared and a ve...
by Mel Lindauer
Wed Nov 07, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: October "Bogleheads On Investing" podcast with Dr. David Blitzer
Replies: 26
Views: 3375

Re: October "Bogleheads On Investing" podcast with Dr. David Blitzer

Another great podcast, Rick. You're a well-prepared, natural host.
by Mel Lindauer
Tue Nov 06, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: November "Bogleheads On Investing" podcast with guest Jonathan Clements
Replies: 18
Views: 2677

Re: November "Bogleheads On Investing" podcast with guest Jonathan Clements

Another great podcast, Rick. Well done; keep 'em coming.

Best regards,

Mel
by Mel Lindauer
Mon Nov 05, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: i-bonds vs muni bond
Replies: 18
Views: 3465

Re: i-bonds vs muni bond

The I Bonds are tax-deferred for up to 30 years. Depending on your current age, that 30 years might well take you into retirement and a much lower tax rate. They're also free from state and local taxation and can be used, tax-free, for qualifying educational expenses. Aren't 529 plans better for ed...
by Mel Lindauer
Sun Nov 04, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8601

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

Full disclosure - I am the Seattle attorney mentioned in the article. I’ve been a long-time BH lurker and have attended several local BH meet ups. This forum has helped me assist my parents with their retirement (or lack thereof) and helped me to achieve a cost and tax efficient portfolio. Taylor, ...
by Mel Lindauer
Sun Nov 04, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18476

Re: Vanguard website "unavailable during weekend of Nov 3"

When I sign in, I'm immediately taken to the page informing me that I've signed off and that I should close my browser just in case it retains any information about my session, so that's nice. That happened to us first thing today. Try clearing any Vanguard-related cookies. That fixed it for us. RM...
by Mel Lindauer
Sun Nov 04, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18476

Re: Vanguard website "unavailable during weekend of Nov 3"

ResearchMed wrote:
Sun Nov 04, 2018 7:21 am
Deleting all "vanguard" type cookies allowed the login.

Never had to do that before.

No idea if it will continue to work, or not.

or will I need to manually delete Vanguard cookies again before all future logins...

RM
Once you've deleted the old cookies once, you're in business.
by Mel Lindauer
Sat Nov 03, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: i-bonds vs muni bond
Replies: 18
Views: 3465

Re: i-bonds vs muni bond

I have $10k to invest. I want to de-risk my taxable account a bit more, so I'm considering adding to my VWIUX holding (2.75%), or buying some i-bonds (2.83%). What are the typical things I should consider here? Just how much risk I'm willing to absorb? Does this question become kind of redundant wh...
by Mel Lindauer
Sat Nov 03, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: When to redeem EE savings bond?
Replies: 7
Views: 888

Re: When to redeem EE savings bond?

I don't know what "tax penalty for interest" you mean. To get the maximum redemption value, an EE Savings Bond purchased in Jan. 1989 should be redeemed in Jan. 2019. The last interest payment will be for Dec. 2018, but because interest accrues on the 1st day of the next month, the savings bond nee...
by Mel Lindauer
Wed Oct 31, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 39705

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. Bogleheads: Every sale results in a donation to The John C. Bogle Center For Financial Literacy which helps support this forum. Thank you and best wishes. Taylor As Preside...
by Mel Lindauer
Sat Oct 27, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Savings Bonds
Replies: 35
Views: 3870

Re: Series I Savings Bonds

A few reasons to own I Bonds in one's taxable account: 1. That's the only place you can own them. 2. They expand one's tax-deferred space. (Additional tax-deferral for up to 30 years.) 3. They're risk-free. 4. They offer guaranteed INflation protection. 4. They also offer DEflation protection. (The ...
by Mel Lindauer
Thu Oct 25, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Question about the book Bogleheads' Guide to Investing
Replies: 6
Views: 1105

Re: Question about the book Bogleheads' Guide to Investing

I have this book in my library and have read it.(I have the 2006 edition). I was looking on Amazon today and see that there is a 2014 edition too. Has anyone read both of the editions and is there enough additional information to justify buying the new one. If yes can you kindly specify at a macro ...
by Mel Lindauer
Tue Oct 23, 2018 4:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 13
Views: 3086

2019 BOGLEHEADS CONFERENCE DATES

Hello Everyone: We have selected the dates for our 2019 Bogleheads Conference and wanted to give everyone a heads up, so you can block off the dates if you plan to register to attend. The Conference dates are October 16, 17 and 18, 2019. THIS IS NOT THE REGISTRATION NOTICE AND THERE IS NO PRE-REGIST...