Search found 12393 matches

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: 683

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: 683

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: 3376

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: 18
Views: 2218

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: 4239

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: 18
Views: 2218

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: 1115

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: 1367

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: 2030

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: 1053

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: 1053

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: 9950

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: 547

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: 7918

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: 7918

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: 18
Views: 2218

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...
by Mel Lindauer
Thu Jun 01, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 13
Views: 1495

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

Hello Everyone: My fellow team member, Mel Turner, will be handling the duties of moderating the Question & Answer sessions with a number of authors and experts at our upcoming 2017 Bogleheads Conference which takes place October 18-20 The Expert Panel members include (in alphabetical order): Ch...
by Mel Lindauer
Wed May 31, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 777

Re: IBonds count as part of bond allocation?

Not only can you count I Bonds as part of your bond allocation, but you can consider them to be short-term, intermediate-term and/or long-term bonds since they can be redeemed anytime between one and 30 years. (Of course, there's the loss of the last three months' interest for redeeming them prior t...
by Mel Lindauer
Wed May 31, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg article on Vanguard dynasty
Replies: 9
Views: 926

Re: Bloomberg article on Vanguard dynasty

Dynasty??????? John C. Bogle, Jr. has his own mutual fund company and has never been affiliated with Vanguard, as far as I know. dy·nas·ty (dīnə-stē) n. pl. dy·nas·ties 1. A succession of rulers from the same family or line. 2. A family or group that maintains power for several generations: a poli...
by Mel Lindauer
Tue May 30, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

One thing that hasn't been mentioned (or at least I didn't see it) is that, if one dies after annuitizing (or the second-to-die in the case of a lower-paying joint annuity), there is nothing for their heirs, whereas any remaining EE Bonds in the ladder go to the heirs.
by Mel Lindauer
Tue May 30, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

Those who plan to fund their retirement with EE or I bonds should remember that they will be required to deal with Treasury Direct when it comes time to withdraw the money. I just think about someone in a nursing home who needs to be fed, with an investing illiterate spouse. There may not be anyone...
by Mel Lindauer
Tue May 30, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

Remember, only the accumulated interest is taxable upon redemption of Savings Bonds. In the case of EE Bonds that have doubled, one half of each redemption would be taxable at the federal level, but not at the state level, and one half would be a non-taxable return of principal.
by Mel Lindauer
Sun May 28, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

My recommendation is simply one possible leg of a multi-leg retirement plan. Use it if you see it as useful; ignore it if you don't.
by Mel Lindauer
Sat May 27, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity post retirement
Replies: 16
Views: 1030

Re: Annuity post retirement

THank you very much everybody; this is all very valuable information. There are no specifics yet as to the cost and type of annuity. All this advisor is suggesting is to annuitize retirement savings instead of having an IRA. In case the in laws agree, he will call "the right guy because you ha...
by Mel Lindauer
Sat May 27, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 4718

Re: Voyager Select vs Flagship

Flagship clients also have access to some funds that are closed to other investors.
by Mel Lindauer
Sat May 27, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

Here's a Forbes column I did on using EE Bonds to build your own retirement annuity. Laddering $10k for you and $10k for your wife annually would guarantee you a retirement income of $40K per year.

https://www.forbes.com/sites/theboglehe ... 61aacb7ba3
by Mel Lindauer
Tue May 23, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story about losing money in active funds
Replies: 1
Views: 520

Reporter doing story about losing money in active funds

Hi Everyone: A known reporter for the Wall Street Journal is looking to speak to investors who have lost money on an actively-managed mutual fund because they were led to believe that it would perform well in the future. Obviously doesn't have to be a Vanguard fund. She would need to hear back by Fr...
by Mel Lindauer
Sun May 21, 2017 10:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 64
Views: 15415

Re: The Second Time Around

And by the way, I am curious if Taylor has remarried. We were all sad when he lost Pat. Ned: Losing Pat, my beautiful, intelligent wife for 62 years, and mother of our three sons, was a terrible loss to everyone who knew her. A major reason I did not fall into deep depression was my participation o...
by Mel Lindauer
Sun May 21, 2017 10:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 64
Views: 15415

Re: I think I found Rick Ferri

Alright, now forum members can start stalking Rick Ferri. Sightings MUST be documented by photos posted in this thread. Maybe an award can be given at each annual Bogleheads conference for most sightings separated by at least 50 miles each year? I do hope to meet them again ... out on the road. It ...
by Mel Lindauer
Sat May 20, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Convert EE Savings Bonds at Treasury Direct?
Replies: 8
Views: 1013

Re: Convert EE Savings Bonds at Treasury Direct?

There's another current thread on EE bonds but I didn't want to hijack it since my question is a little different. We have dual-owner named EEs from 1987 through 1994, the first reaching maturity next month in June. They're titled as A or B as owner. A is deceased. They're in paper format. There ar...
by Mel Lindauer
Sat May 20, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: At crossroads with Annuity
Replies: 21
Views: 1826

Re: At crossroads with Annuity

One clarification on Friar's good response regarding withdrawals from annuities- -I believe withdrawals from variable annuities are taxed as income first. so the only way you could spread today's $30,000 gain (unless you annuitize) is to take, say, $10,000 per year for the first two years . Then th...
by Mel Lindauer
Fri May 19, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?
Replies: 26
Views: 1504

Re: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?

David Jay wrote:I'll bet it isn't "If You Can". :happy


And I'll guarantee you that it isn't The Bogleheads' Guide to Investing. :D
by Mel Lindauer
Wed May 17, 2017 4:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: What Happened to Hampton Roads Chapter
Replies: 12
Views: 1763

Re: What Happened to Hampton Roads Chapter

Sounds like there's enough interest to get the Local Chapter back up and running. All we need is for one of you to step up and agree to be the Local Chapter Coordinator. All that person has to do is communicate with members about meeting dates, times, locations, agenda items, etc. Doesn't require an...
by Mel Lindauer
Mon May 15, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs Mid Cap Value
Replies: 11
Views: 1468

Re: S&P 500 vs Mid Cap Value

I started singing the praises of mid-caps back in 2000 in an online discussion on Morningstar with Larry Swedroe where I pointed out that mid-caps had outperformed his favored slice-and-dice portfolio over the (at that time) past 15 years. I also pointed out that mid-caps avoided both the risk of sm...
by Mel Lindauer
Tue May 09, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Guide to Investing. Latest Edition???
Replies: 7
Views: 1046

Re: Bogleheads' Guide to Investing. Latest Edition???

onthecusp wrote:I'm in the middle of reading it now. Good stuff Mel, Taylor, and Michael.

Thanks a bunch!


Glad to hear that you're enjoying it, onthecusp.
by Mel Lindauer
Tue May 09, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Guide to Investing. Latest Edition???
Replies: 7
Views: 1046

Re: Bogleheads' Guide to Investing. Latest Edition???

Although I have been registered for a few years, this is my first post. The search function has been great, helping me to get answers to most questions. However, I have not been able to determine the latest edition of this great book. With graduation season closing in, I want to get 2 copies as gif...
by Mel Lindauer
Mon May 08, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Interest calculation anamoly on I-Bonds
Replies: 4
Views: 449

Re: Interest calculation anamoly on I-Bonds

Remember, they withhold the last three months' interest for all bonds held less than five years (that's the penalty for redeeming prior to five years). Not sure if that's responsible for all of them or not, but you need to take that into consideration.
by Mel Lindauer
Mon May 08, 2017 10:16 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 3285

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

From the dedication of our Bogleheads' Guide to Investing: "To John C. Bogle, founder of The Vanguard Group A man whom we knew from afar for many years but have since come to know and cherish as a friend. While some mutual fund founders chose to make billions, he chose to make a difference.&quo...
by Mel Lindauer
Sun May 07, 2017 8:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 3285

Re: For Mr. Bogle: Let's Get The Party Started One Day Early

Happy Birthday, Jack. Thanks for all you've done for millions and millions of investors who are so much richer because you shared Vanguard's success with your investors, rather than pocketing the billions that could have been yours. You're a true American hero and I'm so very proud to call you my fr...
by Mel Lindauer
Sat May 06, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1634

Re: Signed up with 2 Advisors - Need Feedback, My Questions

Nedsaid, I got very valuable advise from you on another thread where you advised on ubbrella policy for insurnace. thanks you again. What are you thoughts on my question below which I originally requested help with... 3. Question on #1. Wife is concerned why we have to give Advisor 1 our Bank Routi...
by Mel Lindauer
Sat May 06, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Nationwide Destination Series 2.0 Variable Annuity
Replies: 8
Views: 520

Re: Nationwide Destination Series 2.0 Variable Annuity

...always stayed away from annuities due to high upfront commissions... Same with this one, the salesperson will likely make 8% up front. Also: 1. You will have to take a big loss if you need to get your money out in the first few years. 2. You will make significantly less on the same investments i...
by Mel Lindauer
Sat May 06, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1634

Re: Signed up with 2 Advisors - Need Feedback, My Questions

Signed up with 2 Advisors. I believe this is known as sinning boldly. :D More seriously, why not use Vanguard advisory service ? They're top notch and cost only .3%. I second the recommendation of using Vanguard's Personal Advisory Service. At .3%, you'll have a lot more money in YOUR pocket, rathe...
by Mel Lindauer
Sat May 06, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide Destination Series 2.0 Variable Annuity
Replies: 8
Views: 520

Re: Nationwide Destination Series 2.0 Variable Annuity

Other than a Single Premium Immediate Annuity, I don't see any benefit for buying an annuity at this stage. Here are a couple of Forbes columns I did on variable annuities which might give you reason to walk (or run) away from what could be a costly mistake. https://www.forbes.com/2010/06/04/variabl...
by Mel Lindauer
Sat May 06, 2017 12:09 am
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6886

Re: Are indexed funds overblown?

He's badmouthing the Index 500 which beat the pants off of his fund over the past five years (13.85% for the Index 500 vs 4.17% for his fund).

https://www.finstead.com/symbol/info/WGRNX/
by Mel Lindauer
Fri May 05, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Sale of investment advisor (Scout Investments) - should we worry?
Replies: 3
Views: 418

Re: Sale of investment advisor (Scout Investments) - should we worry?

My wife and I have had holdings in the Scout International Fund (UMBWX) http://scoutinv.com/individual_investors/mutual_funds/individual/f_3/sc_i_class/international_fund/overview.fs for about twenty years. It has done well for us, with an XIRR (internal rate of return) of about 8%, and roughly dou...
by Mel Lindauer
Wed May 03, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8090

Re: I bonds May 2017

Pardon my ignorance, but doesn't I-bonds compound on May 1st? The value in my account is still the same amount I put in on oct 20th 2016.. Two things: 1. Are you using the Savings Bond Wizard to calculate the values? If so, you need to set the date to the current month to get the correct redemption...
by Mel Lindauer
Tue May 02, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8090

Re: I bonds May 2017

Anyone able to download the new rates to their SB Wizard, yet? I keep getting the old rates up to the end of May. Mel, In case you didn't know....The new SB Wizard redemption values can be downloaded now. Semper Fi, Jim Thanks, Jim. I finally was able to get them yesterday. Don't know why they didn...
by Mel Lindauer
Tue May 02, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8090

Re: I bonds May 2017

#Cruncher wrote: We realize you have so many of these high fixed rate I Bonds, Mel, it's hard to keep track. :wink:


Yep, that's true. Apparently I looked at the composite rate for the wrong batch. I like your number better! :D
by Mel Lindauer
Mon May 01, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 8090

Re: I bonds May 2017

hollowcave2 wrote:Hey Mel, good to see you. How are you enjoying those 3.5% fixed rate I-bonds?


Do you mean my 3.6% I Bonds? How's a risk-free 6.11% current composite yield sound? What's not to enjoy? :dollar

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