Search found 12338 matches

by Mel Lindauer
Mon Apr 17, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: AXA index-linked deferred variable annuity
Replies: 11
Views: 813

Re: AXA index-linked deferred variable annuity

Here's a Forbes column I did some time ago on these (IMO) horrible things:

https://www.forbes.com/2010/08/10/truth ... dauer.html
by Mel Lindauer
Mon Apr 17, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

How about having the conference somewhere else for a change? To help facilitate Jack Bogle being at the conference, it has been around Philadelphia for the past couple years so he doesn't have to concern himself with traveling. I absolutely loved meeting Jack two years ago and make a whole week out...
by Mel Lindauer
Sat Apr 15, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Provence and Normandy
Replies: 11
Views: 860

Re: Provence and Normandy

For DW birthday this year we wold like to take a guided trip to Provence and Normandy with a small group. We are thinking 10-14 days but time is not an issue. The trip will be in late September or early October. I have looked at Road Scholars and National Geographic. Any other suggestions or commen...
by Mel Lindauer
Fri Apr 14, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Timing of I-bonds purchase
Replies: 27
Views: 3210

Re: Timing of I-bonds purchase

When have I-bonds ever had 0% interest rate? (composite). According to the table on Treasury Direct, never, including when the variable rate was negative. I think the table you're looking at only shows the current composite rate, not the historical. On May of 2015 and May of 2009 there were a numbe...
by Mel Lindauer
Thu Apr 13, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: ibond vs cd
Replies: 36
Views: 2854

Re: ibond vs cd

1) Deferred federal income tax (depending on your income and whether you have educational expenses to pay, possibly entirely negated federally income tax, but that's probably not true of most folks who can buy $10k per year in ibonds). 2) No state tax. Could be valuable for you or not- living in NY...
by Mel Lindauer
Tue Apr 11, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Targeted Retirement Fund too risky?
Replies: 10
Views: 1085

Re: Is Vanguard Targeted Retirement Fund too risky?

As others have correctly stated, you need to determine your desired asset allocation. Once you've done that, ignore the date on any particular TR fund and select the one that most closely matches your desired asset allocation. Then set it an forget it; it automatically rebalances and gets more conse...
by Mel Lindauer
Tue Apr 11, 2017 9:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 24
Views: 3389

Re: Hong Kong Bogleheads?

Fantastic! 1/ Youssef 2/ bogleheads.hk@gmail.com Hope this will be the start a great Asian Local Chapter! Thank Mel, Youssef Thanks for stepping up and agreeing to be the Coordinator for the new Hong Kong Bogleheads Local Chapter. I'll add your group and contact info to the Local Chapters Map so ot...
by Mel Lindauer
Tue Apr 11, 2017 6:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 24
Views: 3389

Re: Hong Kong Bogleheads?

Hi Mel! I could be. But i am not able to pm you :( I am new joiner to the forum even though i have been reading it for a while. Let me know if you can still make me coordinator. Thanks! '' Thanks for stepping up, youcha. Here's what I'll need from you: 1. Your first name 2. An email address that yo...
by Mel Lindauer
Mon Apr 10, 2017 11:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 24
Views: 3389

Re: Hong Kong Bogleheads?

We've got more than enough interest to start a Bogleheads Local Chapter in Hong Kong. All we need now is for one of you to step up and agree to the the Chapter coordinator. The Coordinator simply communicates with the other members regarding meeting dates, times, locations and agendas; he/she doesn'...
by Mel Lindauer
Sun Apr 09, 2017 8:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 4385

Re: Boglehead Conference 2017?

I'm a little confused about this issue. There was a statement that an announcement would be coming on April 5th about the conference. People mark the date. The announcement then is made on April 2nd.?? Then apparently there was a large response to a presale to those who attended in previous years. ...
by Mel Lindauer
Sat Apr 08, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

As someone who has previously attended and appreciates the advanced email, can I offer another suggestion that I think addresses the issues that occurred this year. For those that have previously attended and might want to come as a group, i.e. some pesky Canadians, this allows some co-ordination o...
by Mel Lindauer
Thu Apr 06, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed Indexed Annuity
Replies: 12
Views: 644

Re: Fixed Indexed Annuity

Here's a Forbes column I did on these things before they changed the name in an attempt to rebrand a stinker.


The Truth About Equity-Indexed Annuities
https://www.forbes.com/2010/08/10/truth ... dauer.html
by Mel Lindauer
Thu Apr 06, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

So it seems there is a lot of disappoint about this year's sign-up process because it was announced prior to April 5th (apparently it was previously said that sign-up would begin April 5th, but it actually happened earlier thereby catching many people by surprise.) I see hard feelings being express...
by Mel Lindauer
Wed Apr 05, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's 6 best money and career tips for young people
Replies: 9
Views: 1617

Re: Jack Bogle's 6 best money and career tips for young people

This duplicate thread is locked. Please post any comments on the other thread.
by Mel Lindauer
Tue Apr 04, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Well there went my plan. I made sure to try and be on the forums every day recently since I missed the window last year (it opened earlier than originally thought). I got the email on Sunday announcing it and was going to the post office today to mail my check. Guess I'll miss this year :( If you s...
by Mel Lindauer
Tue Apr 04, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I'm pleased to announce that we've added Jonathan Clements to the Experts Panel. Jonathan will also be signing books during the book-signing session. This is excellent. It would be good to keep inviting additional notables to present at the Conference. (Perhaps you already are, I'm not privy...) We...
by Mel Lindauer
Tue Apr 04, 2017 6:06 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

LadyGeek wrote:I registered yesterday, but no mail pickup until today. Keeping my fingers crossed...


You'll be fine, LG.
by Mel Lindauer
Mon Apr 03, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

My check is in the mail in yellow envelope with Vanguard (clipper ship) postage stamp for speedy delivery! Maybe the leaders could change to a lottery enrollment system for the 2018 conference? I suggest one pool for those who have attended before, and another pool for "newbies" to encour...
by Mel Lindauer
Mon Apr 03, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

GoldenFinch wrote:Wow! Less than 27 hours to sell out! Must be a record. Shows you have to be in before the lock!


Yes, IIRC, last year was a bit longer. Folks have learned that they need to respond quickly if they want to attend or risk getting shut out.
by Mel Lindauer
Mon Apr 03, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Sorry folks, but we're sold out. You can feel free to add your name on a wait list at the end of this thread in case someone who registered doesn't pay promptly. Just indicate that you'd like to attend if a spot opens up.
by Mel Lindauer
Mon Apr 03, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Fair Warning: We're down to three spots.
by Mel Lindauer
Mon Apr 03, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

LAST CALL: WE ONLY HAVE SIX SPOTS LEFT AND WE'LL CLOSE REGISTRATION DOWN. ACT NOW OR GET SHUT OUT.
by Mel Lindauer
Mon Apr 03, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I think you should take into account the postmark date on the letter. Last time my check took about a week from Michigan to San Diego! I mailed my check yesterday ... hope it arrives .. I don't know what it is with the mail here. It takes about a week for a letter to go 3 miles to my CPA. Now that ...
by Mel Lindauer
Mon Apr 03, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I'm pleased to announce that we've added Jonathan Clements to the Experts Panel. Jonathan will also be signing books during the book-signing session.
by Mel Lindauer
Mon Apr 03, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Hi Mel, I've often wondered: If registration typically sells out within days of the initial announcement, would it not be possible in the future to hold the event in a larger space so that more people could attend? Just puzzled. Thanks. Obviously we could sell out a much larger venue, but we prefer...
by Mel Lindauer
Sun Apr 02, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Just to clarify - should I wait for a confirmation email before mailing payment, or mail the payment immediately? Moot point if the email arrives before I even have a chance to mail it...but I figured I'd ask anyway. You're not fully registered and guaranteed a spot until/unless your check is recei...
by Mel Lindauer
Sun Apr 02, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Are ibonds tax-inefficient for a person in higher tax bracket ?
Replies: 18
Views: 1541

Re: Are ibonds tax-inefficient for a person in higher tax bracket ?

I think the attraction is that 30 years down the road, you may be in a lower (perhaps much lower) tax bracket. So you get to defer taxes, but you get to do it outside a tax-deferred account such as 401k or IRA. If you're going to hold for 30 years, you're probably better off with a 30-year TIPS at ...
by Mel Lindauer
Sun Apr 02, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10060

2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Sorry folks, but we're sold out. You can feel free to add your name on a wait list at the end of this thread in case someone who registered doesn't pay promptly. Just indicate that you'd like to attend if a spot opens up. ************************************ Hello Everyone: We are pleased to announ...
by Mel Lindauer
Sun Apr 02, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Are ibonds tax-inefficient for a person in higher tax bracket ?
Replies: 18
Views: 1541

Re: Are ibonds tax-inefficient for a person in higher tax bracket ?

Remember, the same thing applies to other non-muni bonds and bond funds. They may or may not keep up with inflation but even if they don't, you still pay taxes on them, thus reducing their REAL return (return below inflation) even further. The tax deferral, inflation protection and tax-shifting are ...
by Mel Lindauer
Sat Apr 01, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Florida prop taxes + insurance?
Replies: 23
Views: 1415

Re: Florida prop taxes + insurance?

We live in TN now and I've been researching relocating to Jupiter FL. The real estate prices aren't cheap but boy are the property taxes / insurance crazy high compared to TN. If we buy a 400K house (which is on the low side there) we'd be looking at $750/month just in taxes and insurance. It feels...
by Mel Lindauer
Fri Mar 31, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: EE bonds vs F or G Fund vs Total Bond
Replies: 57
Views: 2920

Re: EE bonds vs F or G Fund vs Total Bond

Two hypothetical portfolios (obviously the EE portion is limited by the $10k per year purchase): 1: 80/20 in stock/G-fund 2: 80/10/10 in stock/G-fund/EE bonds The risk is the same across both, right? Neither of the bond options will lose money. There is risk I won't be able to reallocate properly b...
by Mel Lindauer
Thu Mar 30, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: EE bonds vs F or G Fund vs Total Bond
Replies: 57
Views: 2920

Re: EE bonds vs F or G Fund vs Total Bond

A couple of things to think about: 1. You're 32 now and will be 52 when the bonds reach initial maturity, at which time they're guaranteed to double. That would most likely put you in your peak earning years which means you'd probably be in a high tax bracket. 2. Since you apparently are highly comp...
by Mel Lindauer
Tue Mar 28, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Japanese TV producer doing story on post-election gains
Replies: 1
Views: 465

Japanese TV producer doing story on post-election gains

Hi Everyone: A news producer for a Japanese TV Network, Nippon TV, is doing a story on the stock market gains that people have made since the new administration came to power. Ideally, they want to interview people (ideally Mom and Pop type investors in the US) who have made money since the new Pres...
by Mel Lindauer
Fri Mar 24, 2017 7:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any Albany, NY Bogleheads out there?
Replies: 11
Views: 1273

Re: Any Albany, NY Bogleheads out there?

OK, Albany Bogleheads. evarrr stepped up and agreed to be the Local Chapter coordinator, so you now have an official Bogleheads Local Chapter. I'll be adding your group to the Local Chapters Map so others can find and contact you. The email address for the group is AlbanyBogleheads@gmail.com. You ca...
by Mel Lindauer
Tue Mar 21, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Using 25-30 year old EE bonds to fund 529
Replies: 12
Views: 1047

Re: Using 25-30 year old EE bonds to fund 529

Recall this topic being discussed before, but don't remember where. Wiki? Forum? Only remember this from that discussion. The allowed (tax-advantaged) educational spending items is more limited with savings bonds, less limited with 529 plan. So to expand allowed educational spending items, roll sav...
by Mel Lindauer
Tue Mar 21, 2017 6:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Any Albany, NY Bogleheads out there?
Replies: 11
Views: 1273

Re: Any Albany, NY Bogleheads out there?

Looks like there's enough interest to get an Albany-area Local Chapter started. All we need is for one of you to agree to be the Local Chapter Coordinator and I'll add your group and contact info on the Local Chapters Map so others can find you. The Coordinator doesn't have to be a financial guru. R...
by Mel Lindauer
Sun Mar 19, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2726

Re: Planning if you don't care to leave an estate....

Or you could just keep it simple and have a single portfolio designed to survive higher withdrawals in the short term then lower withdrawals once Social Security hits. This is my current plan, a few years away from retirement. Other than a difference in risk, is there any advantage/disadvantage of ...
by Mel Lindauer
Sun Mar 19, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2726

Re: Planning if you don't care to leave an estate....

Or you could just keep it simple and have a single portfolio designed to survive higher withdrawals in the short term then lower withdrawals once Social Security hits. This is my current plan, a few years away from retirement. Other than a difference in risk, is there any advantage/disadvantage of ...
by Mel Lindauer
Sun Mar 19, 2017 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Online group meetings via web conference? [Virtual online chapter]
Replies: 31
Views: 2502

Re: Virtual boglehead meeting?

Wow, my 4 year old post got some new life today! Since there seems to be some interest, I would be interested in working on this. I use webex daily for work, but that's not something I want to pay for. Others mentioned free tools. What are the best free tools for webex-like web conferences? dan Wou...
by Mel Lindauer
Sat Mar 18, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2726

Re: Planning if you don't care to leave an estate....

Thanks all! I do like the idea of a SPIA -- our advisor dismissed them out of hand, arguing the poor return, but they seems as reasonable as anything, and would allow any balance to remain in equities: ie, the SPIA could work as the 'bond' portion? No, an SPIA is insurance, specifically against the...
by Mel Lindauer
Sat Mar 18, 2017 1:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Interested in starting a] San Antonio Chapter?
Replies: 13
Views: 1001

Re: [Interested in starting a] San Antonio Chapter?

OK, there's more than enough interest in getting a San Antonio Chapter started. All we need now is for someone to step up and agree to be the Coordinator. That person doesn't have to be an investing guru; they just communicate with the members about meeting dates, times, locations, agendas, etc. And...
by Mel Lindauer
Fri Mar 17, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 2049

Re: I-Bonds for a 30s couple?

I think I-bonds could make sense for your situation. All interest earned is tax-deferred, and for qualifying education expenses they are tax-free. So they make a great risk-free savings vehicle for education for your child. Remember, I Bonds can only be used tax free for qualifying educational expe...
by Mel Lindauer
Fri Mar 17, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 2049

Re: I-Bonds for a 30s couple?

I think I-bonds could make sense for your situation. All interest earned is tax-deferred, and for qualifying education expenses they are tax-free. So they make a great risk-free savings vehicle for education for your child. Remember, I Bonds can only be used tax free for qualifying educational expe...
by Mel Lindauer
Fri Mar 17, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 2049

Re: I-Bonds for a 30s couple?

Or they can be used to compliment your long-term bond holdings in a 401k or tIRA (in which case you'd add them to your fixed-income allocation and hold less bonds in 401k/tIRA). Oh, I always thought I could only buy it through TreasuryDirect.gov or tax returns. I don't believe he's saying you can b...
by Mel Lindauer
Fri Mar 17, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds for a 30s couple?
Replies: 20
Views: 2049

Re: I-Bonds for a 30s couple?

Or they can be used to compliment your long-term bond holdings in a 401k or tIRA (in which case you'd add them to your fixed-income allocation and hold less bonds in 401k/tIRA). Oh, I always thought I could only buy it through TreasuryDirect.gov or tax returns. You're correct. I Bonds cannot be hel...
by Mel Lindauer
Fri Mar 17, 2017 6:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Online group meetings via web conference? [Virtual online chapter]
Replies: 31
Views: 2502

Re: Virtual boglehead meeting?

Would there be interest in a Virtual Local Chapter? Who would be the coordinator and who would handle the technical end? Remember that the word "Bogleheads" is a registered trademark/service mark and cannot be used without permission. I'll need to hear more from those who propose to run th...
by Mel Lindauer
Wed Mar 15, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Church Development Funds?
Replies: 13
Views: 961

Re: Church Development Funds?

I've searched the archives, but not much information here regarding investment in church development funds. I was not even aware of their existence until our pastor promoted a particular fund from the pulpit during a financial-health-based sermon. When I got home and started looking at some of thes...
by Mel Lindauer
Wed Mar 15, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on tax-prep firms selling financial products
Replies: 0
Views: 188

Reporter doing story on tax-prep firms selling financial products

Hi Everyone: A known reporter, Laura Saunders of the WSJ, asked me to post this for her. If you fit the profile, contact Laura directly. Note the deadline is the 19th. ***************************************** The average income tax-refund is now about $3,000, and tax-prep firms are increasingly ser...
by Mel Lindauer
Tue Mar 14, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 41
Views: 5547

Re: I-bonds

Understood. Just wanted to confirm the limits were in play. 5 years is a lifetime when planning for college as it would mean making the determination while the kids are in middle school so I wouldn't know much about college at that point. Would be great if buying IBonds were a qulifUse expense out ...
by Mel Lindauer
Mon Mar 13, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 41
Views: 5547

Re: I-bonds

I think it's worth noting that "qualified educational expenses" for I-bond purposes are very limited (tuition and fees) versus 529 qualified educational expenses, which include tuition, room and board, and more. Here's another rarely-mentioned thing to keep in mind. If you buy I Bonds, pl...

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