Search found 12736 matches

by Mel Lindauer
Fri Feb 23, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 101
Views: 9732

Re: Florida in the summer

Mel, anytime I’ve looked into anything remotely near the ocean in FL the property taxes alone are enough to make me faint! May I ask how you deal with that? I live right across the street from the ocean in central Florida. Simple. I'm homesteaded (since 2001) as are most legal residents. My propert...
by Mel Lindauer
Wed Feb 21, 2018 11:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 28
Views: 5880

Re: Any interest in forming Local Chapter on Long Island NY?

Jeez, hard to believe that there isn't an outpouring of Long Island Bogleheads. Perhaps most of the LI residents are NY brokers? :D
by Mel Lindauer
Mon Feb 19, 2018 11:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 28
Views: 5880

Re: Any interest in forming Local Chapter on Long Island NY?

Let me know via PM if someone wants to step up and agree to be the Local Chapter Coordinator and I'll get your group established.
by Mel Lindauer
Mon Feb 19, 2018 1:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1935

Re: Forum's 11th Birthday - Feb. 19th

Peculiar_Investor wrote:
Sun Feb 18, 2018 9:41 pm
🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️
Thanks for the good wishes from our Canadian sister site.

Best regards,

Mel
by Mel Lindauer
Sun Feb 18, 2018 12:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Orange County, CA chapter?
Replies: 9
Views: 1023

Re: Orange County, CA chapter?

Big Dog wrote:
Sat Feb 17, 2018 8:05 pm
also Irvine.

hey Mel: do new chapters get a BogleHead? :D
You probably mean a "Bogle Bobblehead". The answer is "You gotta be kidding, but it was worth a try anyway!".
:sharebeer
by Mel Lindauer
Sat Feb 17, 2018 5:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Orange County, CA chapter?
Replies: 9
Views: 1023

Re: Orange County, CA chapter?

If you get five or more Bogleheads who express an interest in getting an Orange County Local Chapter going and one of you agrees to be the Local Chapter Coordinator, I'll get you up and running. Just PM me if you're interested.
by Mel Lindauer
Fri Feb 16, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Jack'
Replies: 17
Views: 1032

Re: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Ja

FWIW, this is the early online version of the story. I did an interview with Erin this afternoon and she stated that she'd be adding some of what we talked about to the article which will then appear in the print edition of The Philadelphia Inquirer either tomm. or Sunday.
by Mel Lindauer
Fri Feb 16, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: "The Morning After" by Jonathan Clements
Replies: 15
Views: 3191

Re: "The Morning After" by Jonathan Clements

FWIW, Jonathan will be with us again this year for the 2018 Bogleheads Conference. He'll be on the Q&A with the Experts Panel and will also be signing books an chatting with attendees during the book-signing session.

See you there!
by Mel Lindauer
Wed Feb 14, 2018 11:42 am
Forum: Local Chapters and Bogleheads Community
Topic: New Bogleheads Local Chapter in Little Rock, AR
Replies: 25
Views: 1770

Re: Any Bogleheads in Little Rock, AR?

It's official; we now have a new Little Rock Local Chapter. Cantrip has stepped up and agreed to be the Little Rock Chapter Coordinator. I'll add your group to the Local Chapters Map so other can find and contact you. The Local Chapter contact email address is LittleRockBogleheads@gmail.com. You can...
by Mel Lindauer
Mon Feb 12, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 19
Views: 1557

Re: madsinger monthly report (January 2018)

Follow up to the "mobile sized charts" issue. Just checked the report using my phone, the charts looks perfect when using the phone horizontally [when used vertically I need to scroll right, but that's not an issue]. Gracias por leer ~cfs~ Same for me. Look perfectly fine when I look at the chart w...
by Mel Lindauer
Mon Feb 12, 2018 2:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Bogleheads Local Chapter in Little Rock, AR
Replies: 25
Views: 1770

Re: Any Bogleheads in Little Rock, AR?

I have a second child coming in May, so I am unable to sign on as the Local Chapter Coordinator at this time. We could all coordinate a time/date and bring one posting of interest from the site for discussions. We then could each decide if we liked the meeting ( and each other) and move forward fro...
by Mel Lindauer
Sun Feb 11, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book?
Replies: 1
Views: 590

Re: New Jack Bogle Book?

Bogleheads - I am reading a recent article from Philadelphia Magazine where Mr. Bogle's notes all the books he has written to date and that his 12th is on the way regarding his history with Vanguard! No other details were mentioned so I am very curious and excited. Here is the link: http://www.phil...
by Mel Lindauer
Sun Feb 11, 2018 7:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: [When will 2018 Bogleheads Conference Announcement be Made?]
Replies: 6
Views: 1220

Re: [When will 2018 Bogleheads Conference Announcement be Made?]

Stay tuned for my forum announcement in early March. Act immediately (if not sooner) if you want a spot. We sold out in less than two days last year and we just may beat that record this year since the time to sellout gets shorter each year. Procrastinate for even a bit and you're probably going to ...
by Mel Lindauer
Fri Feb 09, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13194

Re: Victoria's Message

Victoria: I appreciate your message more than you know. Thank you and best wishes. Taylor I echo Taylor's comment, Victoria. It's comments like yours that make our labor of love worthwhile. Knowing that we had a positive impact of people's lives is very heady stuff, and it's all the reward we need ...
by Mel Lindauer
Fri Feb 09, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Words of wisdom from Vanguard re:current market volatility
Replies: 7
Views: 1522

Words of wisdom from Vanguard re:current market volatility

Hi Everyone: Received these words of wisdom from Vanguard in an email. We all need to stay focused on the longer term and not let this volatility cause us to panic and abandon our well-thought-out portfolios. Vanguard Market corrections are common The financial markets continue to be volatile. It's ...
by Mel Lindauer
Fri Feb 09, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Bogleheads' Guide to Investing. Latest Edition???
Replies: 10
Views: 1887

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

I would like to gift this to a niece and nephew as well. Two questions: 1) Is the latest edition (August 2014) not available in paperback? This seems the case on Amazon. 2) Is purchasing from Amazon via Bogleheads.org affiliate link the best way - to give back a small amount to this site? (that has...
by Mel Lindauer
Wed Feb 07, 2018 8:25 am
Forum: Local Chapters and Bogleheads Community
Topic: New Bogleheads Local Chapter in Little Rock, AR
Replies: 25
Views: 1770

Re: Any Bogleheads in Little Rock, AR?

OK, looks like there's plenty of interest in getting a Local Chapter going. Does anyone want to step up and agree to be the Local Chapter Coordinator? PM me if you're willing.
by Mel Lindauer
Mon Feb 05, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: The Money Show - Coming to a Town near you
Replies: 12
Views: 1285

Re: The Money Show - Coming to a Town near you

Years ago, when Jack Bogle was the keynote speaker at the Money Show in Orlando, the Money Show folks invited us to have our Bogleheads group attend. Since it was on rather short notice, we made it an "unofficial" Bogleheads Conference, and thus isn't included in the official Bogleheads Conference ...
by Mel Lindauer
Mon Feb 05, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14618

Re: Vanguard site is crashed now?

I was just able to get on and make a transaction without a problem.
by Mel Lindauer
Sun Feb 04, 2018 11:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1935

Re: Upcoming Forum Birthday (Feb. 19th)

I consider the forum to have stated in 1998 on M*. Which means the forum celebrates its 20th anniversary this year. No wait, that's 21st anniversary. (2018 - 1998 = 20. But we don't want the "difference" in years, but total years so must add +1.) So 20th or 21st, it's one of those. :) Yes, that's t...
by Mel Lindauer
Sun Feb 04, 2018 7:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1935

Forum's 11th Birthday - Feb. 19th

Hello Everyone: On Feb. 19, 2007, a number of folks signed up to get this new Bogleheads forum up and running. For the math challenged, that means this coming Feb. 19, 2018, the forum will be 11 years old (being one of the math challenged, I used a calculator to verify that). :) In those 11 years, w...
by Mel Lindauer
Sun Feb 04, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Frequency of rebalancing -- target date and balanced funds
Replies: 5
Views: 568

Re: Frequency of rebalancing -- target date and balanced funds

^^^We were both posting at the same time, but came up with the same answer.
by Mel Lindauer
Sun Feb 04, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Frequency of rebalancing -- target date and balanced funds
Replies: 5
Views: 568

Re: Frequency of rebalancing -- target date and balanced funds

Given the market chaos the last two weeks, I was wondering if anyone knew how frequently the target date (and similar) funds did their rebalancing? Can they take advantage of short-term volatility? I've been led to believe that the funds are rebalanced on a daily basis to maintain the desired asset...
by Mel Lindauer
Sat Feb 03, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason not to very gradually migrate an emergency savings fund from a savings account to I Bonds?
Replies: 15
Views: 2628

Re: Is there any reason not to very gradually migrate an emergency savings fund from a savings account to I Bonds?

Over the years, lots of Bogleheads have posted that they had moved their emergency fund into I Bonds, just as you're proposing.
by Mel Lindauer
Fri Feb 02, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 12853

Re: I-Bonds?

So, the beauty of those eye-bonds is that they offer BOTH inflation and deflation protection??? :D The other beauty for me is they also extend my tax-deferred space. And a couple of more benefits: 1. They're free from state and local taxation, and 2. They can be used, tax-free, for qualifying educa...
by Mel Lindauer
Fri Feb 02, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6614

Re: Finally going to invest, brother is FA

Dealing with EJ = A big no no.
Paying expensive fees anywhere = Another big no no.
Dealing with family = Still yet another big no no.

How many no no's do you need to know what to do?
by Mel Lindauer
Fri Feb 02, 2018 11:08 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 51
Views: 6118

Re: ORLANDO Chapter Bogleheads

Hi every body, Let some one else take the Lead, due to personal reasons I am unable to be the Coordinator. Thanks If someone wants to volunteer to take over as the new Local Chapter Coordinator, please contact me via PM with a name and email address that you'll use for this purpose. The Chapter Coo...
by Mel Lindauer
Fri Feb 02, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 12853

Re: I-Bonds?

Darth Xanadu wrote:
Thu Feb 01, 2018 11:32 pm
Can a negative inflation rate eat into the fixed rate? But with a total floor of 0%?
Since the I Bond composite rate (fixed rate plus inflation) can never go below 0%, the greater the rate of DEflation, the greater the REAL return will be on I Bonds.
by Mel Lindauer
Thu Feb 01, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity mistake -- what next?
Replies: 13
Views: 1418

Re: Annuity mistake -- what next?

An annuity within a 401K sounds like a bad idea in general. Agree. Here's a link to a Forbes column I did some time ago on this very subject, titled "Variable Annuities Don't Belong In Retirement Plans" https://www.forbes.com/2010/07/02/variable-annuities-high-cost-401k-403b-personal-finance-bogleh...
by Mel Lindauer
Thu Feb 01, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 2770

Re: I BONDS Maturing in 2030

The last five years my inlaws have been either cashing in savings bonds (all 4% minimum EE bonds) a few years early or making excess IRA withdrawals (did not want to do conversions as they had no Roths and did not want something else to think about) to a point just below where they owe any federal ...
by Mel Lindauer
Thu Feb 01, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 2770

Re: I BONDS Maturing in 2030

On your question of having the interest paid out annually, they don't do that, but they do offer the option to claim the interest annually and pay the taxes each year.
by Mel Lindauer
Thu Feb 01, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 2770

Re: I BONDS Maturing in 2030

Greetings, Following the advice in this forum --thanks, Mel (I think it was Mel)-- I invested all I could in I Bonds in 2000, 2001, 2002, 2003, etc. Our first batch of I Bonds will mature in 2030 and be worth $250,000+, about $170,000 taxable (gross estimates). They are earning 5-6%. I incorrectly ...
by Mel Lindauer
Tue Jan 30, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Using DASHLANE Password Manager
Replies: 7
Views: 888

Re: Using DASHLANE Password Manager

And, if you're using multiple devices, as most of us are, then the paid version of Dashlane is well worth it because it syncs across all of your devices.
by Mel Lindauer
Tue Jan 30, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: New Book: "Turning Financial Planning Right Side Up" by Jeffrey Small
Replies: 7
Views: 1400

Re: New Book: "Turning Financial Planning Right Side Up" by Jeffrey Small

This doesn't look like something a Boglehead would recommend or be interested in. An insurance salesman offering the following:

Services
Investment Types:

Options & Futures
Alternative Investments
Annuities
Bonds
Stocks
Insurance
Socially Responsible Investments (SRI)

Thanks, but no thanks!
by Mel Lindauer
Tue Jan 30, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Another Cancel Life Insurance Question
Replies: 7
Views: 555

Re: Another Cancel Life Insurance Question

Good question about the wife. My wife trusts my decision making when it comes to finances. She knows I have done well to this point, providing her with a very comfortable lifestyle. We are both fairly budget-minded and running the projections based on the retirement accounts and SS benefits I am qu...
by Mel Lindauer
Tue Jan 30, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise annuity
Replies: 9
Views: 542

Re: Ameriprise annuity

Magda San wrote:
Tue Jan 30, 2018 8:01 pm
The first account mentioned in my original post is a brokerage account and not an annuity. The second one is an annuity inside a SEP IRA.
You can do a 1035 exchange for the non-qualified brokerage annuity.
by Mel Lindauer
Tue Jan 30, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise annuity
Replies: 9
Views: 542

Re: Ameriprise annuity

Found the contract. It’s a Variable annuity inside and SEP IRA. The term was 10 yrs. it was opened on 01/28/2008. I think I can even roll it over into an IRA at Vanguard. I think there’s a 2% surrender charge of $930 because Year # 10 is not complete (current year). However with the savings in fees...
by Mel Lindauer
Tue Jan 30, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: [Bogleheads' Guide to Investing - Is this calculation correct?]
Replies: 8
Views: 1175

Re: [Bogleheads' Guide to Investing - Is this calculation correct?]

What am I missing here? A gain of 145 % would make 2.45*10,000 $ = 24,500 $. And a loss of 84 % of that amount would then make 0.16*24,500 $ = 3,920 $. poisjr: You are right, the math appears wrong. However, the gain and loss percentages are correct according to Mark Hulbert. The point remains: Mar...
by Mel Lindauer
Mon Jan 29, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life insurance/investments
Replies: 39
Views: 1989

Re: Transamerica Life insurance/investments

Don't mix investing and insurance. This salesman is looking out for his best interest (a nice fat commission) and not yours. As others have said, RUN, DON'T WALK. Mel: If an agent sells me a 30 year level premium term insurance policy and I decide to cancel in the 14th year, will I receive the exce...
by Mel Lindauer
Mon Jan 29, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life insurance/investments
Replies: 39
Views: 1989

Re: Transamerica Life insurance/investments

Don't mix investing and insurance. This salesman is looking out for his best interest (a nice fat commission) and not yours. As others have said, RUN, DON'T WALK. Mel: If an agent sells me a 30 year level premium term insurance policy and I decide to cancel in the 14th year, will I receive the exce...
by Mel Lindauer
Mon Jan 29, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity mistake -- what next?
Replies: 13
Views: 1418

Re: Annuity mistake -- what next?

You may want to report him to the proper enforcement authorities for lying to you. As was stated above, if there's a surrender fee, it's because the salesman got a commission as soon as the policy went into effect, and if you bail, the insurance company wants the money back that they paid the salesp...
by Mel Lindauer
Mon Jan 29, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life insurance/investments
Replies: 39
Views: 1989

Re: Transamerica Life insurance/investments

Don't mix investing and insurance. This salesman is looking out for his best interest (a nice fat commission) and not yours. As others have said, RUN, DON'T WALK.
by Mel Lindauer
Sat Jan 27, 2018 3:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49542

Re: South Florida Local Chapter

Hi to all the South Florida Bogleheads. I see my buddy, Jessie, was there. Maybe if Mid-Florida ever gets too cold for you Mel, you could come down for warmth and blue skies and aquamarine waters and your Boglehead buddies at our local chapter meeting. You'd enjoy Taylor's sandwiches and you could ...
by Mel Lindauer
Sat Jan 27, 2018 4:33 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49542

Re: South Florida Local Chapter

Hi to all the South Florida Bogleheads. I see my buddy, Jessie, was there.
by Mel Lindauer
Wed Jan 24, 2018 9:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Bogleheads Local Chapter in Little Rock, AR
Replies: 25
Views: 1770

Re: Any Bogleheads in Little Rock, AR?

If you get five or more Little Rock (or vicinity) Bogleheads who are interested in forming a Local Chapter and one of you is willing to volunteer to be the Local Chapter Coordinator, let me know via PM and I'll get your group set up and listed on the Local Chapters Map so others can find and contac...
by Mel Lindauer
Wed Jan 24, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: The Money Show - Coming to a Town near you
Replies: 12
Views: 1285

Re: The Money Show - Coming to a Town near you

Years ago, when Jack Bogle was the keynote speaker at the Money Show in Orlando, the Money Show folks invited us to have our Bogleheads group attend. Since it was on rather short notice, we made it an "unofficial" Bogleheads Conference, and thus isn't included in the official Bogleheads Conference ...
by Mel Lindauer
Wed Jan 24, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Money Show - Coming to a Town near you
Replies: 12
Views: 1285

Re: The Money Show - Coming to a Town near you

Years ago, when Jack Bogle was the keynote speaker at the Money Show in Orlando, the Money Show folks invited us to have our Bogleheads group attend. Since it was on rather short notice, we made it an "unofficial" Bogleheads Conference, and thus isn't included in the official Bogleheads Conference c...
by Mel Lindauer
Wed Jan 24, 2018 1:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Bogleheads Local Chapter in Little Rock, AR
Replies: 25
Views: 1770

Re: Any Bogleheads in Little Rock, AR?

If you get five or more Little Rock (or vicinity) Bogleheads who are interested in forming a Local Chapter and one of you is willing to volunteer to be the Local Chapter Coordinator, let me know via PM and I'll get your group set up and listed on the Local Chapters Map so others can find and contact...
by Mel Lindauer
Wed Jan 24, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities being pushed..advice?
Replies: 14
Views: 677

Re: Fixed Index Annuities being pushed..advice?

These things had such a lousy reputation that they actually changed the name from Equity-Indexed Annuities to Fixed Annuities. Here's a Forbes column I did on these terrible products back when they were still called "Equity Indexed Annuities". As others have pointed out, they're great for the salesp...
by Mel Lindauer
Tue Jan 23, 2018 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 24
Views: 3143

Re: metro Denver Bogleheads?

Do we have a volunteer to help get the Denver Local Chapter back up and running? If so, PM me and we'll make it happen.