Search found 12906 matches

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: 13
Views: 1091

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: 35315

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: 3331

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: 9592

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: 3917

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: 219
Views: 56958

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: 9470

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: 352

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: 5878

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: 2591

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: 2152

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: 16
Views: 1229

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: 1172

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: 5878

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: 5878

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: 1092

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: 1092

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: 114
Views: 28206

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: 4998

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: 865

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: 3505

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: 3505

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: 3505

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: 32
Views: 7629

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: 3505

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: 3505

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 ...
by Mel Lindauer
Wed Aug 22, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3505

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 ...
by Mel Lindauer
Sun Aug 19, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 35315

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

abuss368 wrote:
Sun Aug 19, 2018 1:40 pm
Hi Taylor -

This book is both a great accomplishment and resource. I thank you! Will there continue to be additional books in the Bogleheads series?

Best.
Stay tuned! I do have some ideas. Now I just need the time.
by Mel Lindauer
Mon Jul 30, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 114
Views: 28206

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

This will be our first Bogleheads conference and I'm curious about the book signing. Do the authors have several of their titles available for purchase and signing or do they generally just have their most recent work? I'm wondering if I need to purchase a few that I'd like to sign beforehand and b...
by Mel Lindauer
Sat Jul 28, 2018 9:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4312

Re: RIP investor

Taylor Larimore wrote:
Sat Jul 28, 2018 7:28 pm
"Mel Lindauer"
I've chosen Taylor as my IRL buddy. 8-)
Mel:

I need a younger and more virile "IRL buddy?" :happy

With love
Taylor
Taffy must have told you what to say because you don't even know what "virile" means. 🤗
by Mel Lindauer
Sat Jul 28, 2018 1:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4312

Re: RIP investor

MrJones wrote:
Sat Jul 28, 2018 11:47 am
Mel Lindauer wrote:
Fri Jul 27, 2018 2:49 pm
MrJones wrote:
Fri Jul 27, 2018 12:12 pm
+10. That's the first thing I thought. An IRL buddy system would be great.
Sorry to hear about Neal.

I've chosen Taylor as my IRL buddy. 8-)
Why, Mel, you show off ;-).
Well it's not pleasant, but someone has to wipe the drool off his chin from time to time! 😊
by Mel Lindauer
Fri Jul 27, 2018 2:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4312

Re: RIP investor

MrJones wrote:
Fri Jul 27, 2018 12:12 pm
The Wizard wrote:
Fri Jul 27, 2018 10:28 am
It's good that certain members keep track of others IRL.
We should have a rule about that...
+10. That's the first thing I thought. An IRL buddy system would be great.

RIP investor.
Sorry to hear about Neal.

I've chosen Taylor as my IRL buddy. 8-)
by Mel Lindauer
Wed Jul 25, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Investment Horizons Annuity or Allianz Core Income 7
Replies: 18
Views: 691

Re: Transferring Variable Annuity to fixed

Any suggestions for some good fixed annuities that I can look into? You really need to be cautious, since the horrible "Equity Indexed Annuities" got such a bad reputation that they changed their name to "Fixed". IMO, they should be avoided at all costs (pun intended, because they're really costly)...
by Mel Lindauer
Sun Jul 22, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: My meeting with the Vanguard PAS [Personal Advisor Services]
Replies: 23
Views: 3444

Re: My meeting with the Vanguard PAS [Personal Advisor Services]

IMO, planning to make your money last to 100 is not unreasonable unless your family history dictates otherwise. We buried my Dad on his 99th birthday, so 100 makes sense for me and my siblings and for lots of other folks, too. Better to have some left when you die than none left when you're still al...
by Mel Lindauer
Wed Jul 18, 2018 4:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: What Happened to Hampton Roads Chapter
Replies: 14
Views: 3212

Re: What Happened to Hampton Roads Chapter

Did anything ever happen with this? I'd like to join/start a hampton roads chapter if possible. Thanks Yes, this was one of the earlier Local Chapters (see #11). If you get no response and would like to take over as the Local Chapter Coordinator and get it up and running again, let me know via PM. ...
by Mel Lindauer
Mon Jul 16, 2018 9:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Shelby/Jefferson County AL chapter?
Replies: 18
Views: 1570

Re: Any interest in a Shelby/Jefferson County AL chapter?

Looks like there's enough interest to get a Local Chapter going. If we have a volunteer who agrees to be the Local Chapter Coordinator, send me a message via PM and we'll make it official and get your group on the Local Chapters map so others can find and contact you.
by Mel Lindauer
Mon Jul 16, 2018 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Hershey PA Local Chapter Established
Replies: 7
Views: 715

Re: New Hershey PA Local Chapter Established

Barry Barnitz wrote:
Mon Jul 16, 2018 1:23 pm
Hi:

We have created a page for the Hershey chapter on Financial Page, our affiliate blog. The page can be expanded as the chapter develops. Link to page: Hershey PA Bogleheads®.

regards,
Thanks. Barry.
by Mel Lindauer
Mon Jul 16, 2018 11:20 am
Forum: Local Chapters and Bogleheads Community
Topic: New Hershey PA Local Chapter Established
Replies: 7
Views: 715

New Hershey PA Local Chapter Established

Hi Everyone: I'm please to announce that our newest Bogleheads Local Chapter has been established in Hershey PA. Dave (UncleBogle) has agreed to be the new Local Chapter Coordinator. You can chat with him right here on this thread or contact him at hersheybogleheads@gmail.com. Good luck and best reg...
by Mel Lindauer
Sun Jul 15, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed Indexed Annuity
Replies: 17
Views: 3325

Re: Fixed Indexed Annuity

Here's a Forbes column I did some time ago on these lousy products. Run, don't walk. https://www.forbes.com/2010/08/10/truth-about-equity-indexed-annuities-personal-finance-bogleheads-view-lindauer.html#1a47cada1257 But, if you're looking for an income stream that you can't outlive, then consider, w...
by Mel Lindauer
Sat Jul 14, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

AND WE HAVE A WINNER! In this post, https://www.bogleheads.org/forum/viewtopic.php?p=4016970#p4016970 mpt fan got it exact, so we're declaring him the winner of an autographed copy of Taylor's new book. So now I need mpt to PM me with his real name and address so Taylor can send the book. In this p...
by Mel Lindauer
Sat Jul 14, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

AND WE HAVE A WINNER! In this post, https://www.bogleheads.org/forum/viewtopic.php?p=4016970#p4016970 mpt fan got it exact, so we're declaring him the winner of an autographed copy of Taylor's new book. So now I need mpt to PM me with his real name and address so Taylor can send the book. In this po...
by Mel Lindauer
Sat Jul 14, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

Concur, good choice. We need a good launching date in September. How about during the Labor Day Weekend? The anniversary will be easy to remember. Good luck to Mister Rick with all the logistics and all the tuff decisions, y gracias por leer ~cfs~ Once the date is set, Rick will start a master thre...
by Mel Lindauer
Sat Jul 14, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

Thanks to everyone who participated. We're closing the poll. Rick and I have decided that simple is better. We're going to go with: DRUMROLL PLEASE "Bogleheads on Investing" Clearly states who it is and what it's about. Now who came up with this? Will the winner step up so we can confirm that you su...
by Mel Lindauer
Fri Jul 13, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Getting antsy with indexing? Reporter doing story.
Replies: 12
Views: 2988

Getting antsy with indexing? Reporter doing story.

Hi Everyone: A reporter for a well-known publication is looking to talk to investors who are getting antsy with passive investing, and who may have even pulled out of ETFs these past six months. He wants to know why you are concerned and where you are investing now. If you fit that profile and would...
by Mel Lindauer
Fri Jul 13, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Fri Jul 13, 2018 8:45 am
How about something with the word Money in it?

Money Talk with the Bogleheads
Bogleheads Talk Money
Close: How about
Bogleheads Talk Investing

Clearly tell who's doing it, what they're doing and what it's about.

Someone may have already suggested it.
by Mel Lindauer
Thu Jul 12, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

Bulgogi Head wrote:
Thu Jul 12, 2018 10:57 am
Will these podcasts be on iTunes?
Rick plans to look into that.
by Mel Lindauer
Thu Jul 12, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

COMING SOON: BOGLEHEADS PODCASTS

Hi Everyone: I'm thrilled to announce that The Bogle Center for Financial Literacy will be sponsoring an ongoing series of podcasts, hosted by Boglehead author, Rick Ferri. Rick's podcasts, which are scheduled to start in September, will feature some well-known figures in the investment world. Stay ...
by Mel Lindauer
Tue Jul 10, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: First Post Investing Help
Replies: 5
Views: 263

Re: First Post Investing Help

First post longtime lurker. Current situation. 40 years old w/ stay at home wife and 10 year old. House and cars are paid off. Am almost 20 years into a pension system with 10 to go. Have roughly 70 k in 3 Fund VG 457. Maxing out annual contributions. I have 100k that has been in a CD not earning m...
by Mel Lindauer
Tue Jul 10, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Charitable Giving under new tax laws
Replies: 0
Views: 242

Reporter doing story on Charitable Giving under new tax laws

Hello everyone: Laura Saunders, a known Wall Street Journal reporter, would like to talk to investors and others who plan to change their charitable giving in 2018 or beyond because of the massive tax overhaul that took effect in January 2018. Under the new law, nearly 30 million tax filers will no ...