Search found 79 matches

by kupuna
Sat Nov 21, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: What are some good boglehead principles around real estate?
Replies: 52
Views: 5426

Re: What are some good boglehead principles around real estate?

"I'm both a Boglehead and a real estate investor. Here are my rules: #1: Never be cash poor. Never. Ever. Keep a big pile of highly liquid money readily available. You will have extended vacancies. You will have $20K repairs. This should be above and beyond your personal emergency fund. #2: Rea...
by kupuna
Thu Nov 12, 2020 2:51 am
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 278
Views: 20240

Re: Taylor Sends His Best to Fellow Bogleheads

Be well my friend.

Mel(TOM) Turner
by kupuna
Tue Nov 10, 2020 11:49 pm
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 48
Views: 4124

Re: U. S. Marine Corps Birthday

Happy Birthday Fellow Marines.

Mel Turner (TOM)
1968-1992
by kupuna
Sat Oct 03, 2020 5:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Fund Admiral estimated yield
Replies: 13
Views: 1684

Re: Vanguard Total Bond Fund Admiral estimated yield

Dave, can you put the dots a little closer so we can all understand. You obviously understand this better than most.

Is the estimated yield that is published on our statements correct or deceptive?

Thanks.

TOM
by kupuna
Sat Oct 03, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help with the Math [When to take Social Security vs. Investing]
Replies: 24
Views: 2376

Re: Help with the Math [When to take Social Security vs. Investing]

Hi Kathleen, It is good that you are asking about SS because it is an important decision, and whatever your decision you will make it work. If you don't mind I'll give my two cents. I'm in the group that there are many advantages to waiting to start receiving SS benefits. With that being said there ...
by kupuna
Sat Oct 03, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Fund Admiral estimated yield
Replies: 13
Views: 1684

Re: Vanguard Total Bond Fund Admiral estimated yield

Enjoy11, I know exactly what you are referring to. I sent an email to my Flagship Rep and the response was less than enlightening. I expressed that I thought the estimated annual yield should be more realistic. Basically, the lack of response after the second email I sent gave me the impression to i...
by kupuna
Mon Sep 14, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1073

Re: Coin and stamp values online?

I'm going through the same thing and it looks like the marketplace is eBay or a local coin store. Good luck.

TOM
by kupuna
Mon Sep 14, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: John C. Bogle exposed? No way! [Investing paper retracted]
Replies: 27
Views: 5870

Re: John C. Bogle exposed? No way!

Allan, you are a soldier of the truth and we are all better off because of it.

TOM
by kupuna
Mon Jul 13, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of paying off mortgage
Replies: 146
Views: 9075

Re: Talk me out of paying off mortgage

I proved to myself that I could make more by investing than the effective interest rate of my mortgage. One day I decided to go to the credit union and pay off the loan and it was mentally life-changing. It was a freedom that I didn't realize I was missing. Sometimes there are more important things ...
by kupuna
Wed Jun 24, 2020 11:43 am
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer - 6/22/2020
Replies: 58
Views: 4308

Re: Happy Birthday Mel Lindauer - 6/22/2020

Happy Birthday Mel.

You've given a lot and asked for little. Good job.

TOM
by kupuna
Sat Jun 20, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1931

Re: Lexus Key Fob Issue

I also have a Lexus and love it. It sounds like you need to go into the program - Setup - Vehicle - Lock and it gives options on which doors you want to unlock. Here is a link to a YouTube video that may help. There are many more. Good luck.

https://www.youtube.com/watch?v=XDSAPah-j1E

Mel(TOM)
by kupuna
Thu May 28, 2020 12:08 am
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 36
Views: 4015

Re: MEMORIAL DAY

Thank you Taylor.

Mel(TOM)
by kupuna
Thu May 07, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference Update
Replies: 75
Views: 11729

Re: 2020 Bogleheads Conference Update

I think it is a wise decision.
Mel(TOM)
by kupuna
Sat Apr 04, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 82
Views: 13119

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

Great interview. Thanks to both of you for making it.

Mel(TOM) Turner
by kupuna
Sat Mar 07, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: March "Bogleheads on Investing" podcast with guest Dr. Jim Dahle
Replies: 44
Views: 4027

Re: March "Bogleheads on Investing" podcast with guest Dr. Jim Dahle

Rick and Jim,

Good job on the interview. I is filled with wisdom. Keep up the good work.

Mel(TOM) Turner
by kupuna
Sat Mar 07, 2020 3:26 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2019 VIDEOS
Replies: 10
Views: 1469

Re: BOGLEHEADS 2019 VIDEOS

I also thank you for the kind words. It was a pleasure helping to organize previous Bogleheads Conferences and wish the new Board of Directors success in the future. I look forward to what is planned for future conferences.

Mel (TOM, The Other Mel) Turner
by kupuna
Sat Mar 07, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz named one of top 100 women in finance
Replies: 11
Views: 1381

Re: Christine Benz named one of top 100 women in finance

Congratulation Christine! It is well-deserved.

Mel(TOM) Turner
by kupuna
Tue Mar 03, 2020 6:10 pm
Forum: Non-US Chapters
Topic: Sad News - Paul Globerson has passed
Replies: 26
Views: 5684

Re: Sad News - Paul Globerson has passed

We have lost a dear friend of our Bogleheads community. While Mel is the face of the Bogleheads Conferences, Paul was the heart. For years he tracked every penny, answered everyone's emails, did the registration and filled out all the required forms to keep us legal. When the conference was in San D...
by kupuna
Tue Aug 06, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 17076

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

We still have room for more questions at the conference.

If you are attending please respond to the BogleCenter email that you received.

Thanks.

TOM
by kupuna
Sat Aug 03, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth takes on the CFP Board for failure to do their job
Replies: 18
Views: 2430

Re: Allan Roth takes on the CFP Board for failure to do their job

Allan is a light in the darkness of the money world.

It's a jungle out there and you never know who wants to eat you.

Thanks Allan.

TOM
by kupuna
Sat Aug 03, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"
Replies: 54
Views: 8113

Re: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"

Look at the bottom of the Account Overview page.

On mine there is even a picture of my Flagship rep.

TOM
by kupuna
Thu Aug 01, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 17076

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

tomwood, [*]The Q&A session with the Panel of Experts is usually videotaped and after some processing is posted on the WIKI. [*]For all those who have posted questions we want to thank you for your input. We are consolidating every question and will organize them for the conference. For those lu...
by kupuna
Fri Jul 19, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 17076

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

There are some great questions for the panel. I'll sort through every question and I hope yours makes it in the Q&A discussion.

TOM
by kupuna
Wed Jan 16, 2019 10:09 pm
Forum: Personal Investments
Topic: Variable annuity, a success story?
Replies: 42
Views: 2562

Re: Variable annuity, a success story?

Also remember that return of earnings is taxed as ordinary income and not at capital gain rates that apply to equities.

TOM
by kupuna
Wed Jan 16, 2019 9:51 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62339

Re: John Bogle is dead at 89

Indeed, a sad day.

TOM
by kupuna
Fri Sep 14, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Mr.BB - Thanks for the questions. I know that Global Bonds will be part of the discussion during the conference. FiveK - Thanks for taking the time to present the question about 401(k) contribution limits. My understanding is that IRS regulations set the contribution limit and restrictions. The reas...
by kupuna
Wed Sep 05, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a condo by a university
Replies: 11
Views: 1251

Re: Investing in a condo by a university

I bought and managed a 10-unit apartment near a university because of the cap-rate, not the location. I kept it for 18 years until doing a 1031. Originally the tenants were mostly undergrad students. I got tired of giving "the lecture" about paying rent and taking care of the place. I fina...
by kupuna
Wed Sep 05, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

rjbraun, That is a great question that should certainly be considered. Thanks for submitting it. Campcoffee, Welcome to the forum. A great question and definitely not silly. Some skepticism is always healthy. Thanks for taking the time to submit it. A small fact about our Bogleheads Conference this ...
by kupuna
Fri Aug 31, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

The Bogleheads Conference just keeps getting better! For all those attending the Bogleheads Conference on 3/4/5 October we just received exciting news. Jason Zweig has agreed to attend and will be sitting on the "Panel of Experts" to respond to submitted questions. I'm sure he, along with...
by kupuna
Thu Aug 23, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Miriam2,

Thanks for the question about having everything in a Roth at retirement.


LadyGeek,

We can always depend on you for a great question. It's hard to compete with zero cost.

TOM
by kupuna
Sun Jul 29, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Thanks Ready.Fire.Aim. And thanks for including the reference.

TOM
by kupuna
Tue Jul 17, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Thanks to car733 and jbranx for your input. I hope your questions make it to the panel.
TOM
by kupuna
Fri Jul 13, 2018 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6502

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

Welcome to the forum and welcome to the world of being a landlord. You'll find (again) there is no free lunch. Being a landlord is work. Had rental property for over 30 years, including 18 years of owning/managing a 10-unit apartment. Subleasing and subletting should be covered in the contract, alon...
by kupuna
Thu Jul 12, 2018 6:51 pm
Forum: Personal Investments
Topic: How to help parents "see the light" with index investing?
Replies: 17
Views: 1654

Re: How to help parents "see the light" with index investing?

Controlling their finances is not worth poisoning a relationship so proceed with caution. It sounds like they have made many good decisions along the way and will be financially secure. Express your opinion but don't tell them they are wrong. I worked with a dear, dear friend who was held captive by...
by kupuna
Thu Jul 12, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Thanks for the questions danielc. I also remember when Clements mentioned that emerging markets have better growth potential and it will be good to follow-up on his thinking.

TOM
by kupuna
Sat Jun 30, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Thanks snarlyjack and P&C actuary.

I'm still gathering questions for the experts at the conference and appreciate your input.

TOM
by kupuna
Sat May 12, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 4104

Re: Happy 89th birthday to [Jack] Bogle

Thank you Mr. Bogle. You're one of my heroes.
by kupuna
Thu May 10, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Thanks for your insight Taylor. I know Rick will appreciate the comments...especially coming from you.

jojay, thanks for the question. And thanks for bringing light to the dark world of investing.

TOM
by kupuna
Thu May 10, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Open-ended question about vacationing in Yosemite or a different national park
Replies: 49
Views: 4770

Re: Open-ended question about vacationing in Yosemite or a different national park

I don't post a lot but will give my opinion about Yosemite. Born and raised less than 3 hours South (Lemoore) and raised a family in Clovis, about 2 hours South. Have been there every month of the year, climbed Half Dome 4 times, slept on the ground, in tent-cabins, cabins and in Yosemite Lodge. It ...
by kupuna
Thu May 10, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

We still are open to any questions you would like asked of the experts at the Bogleheads Conference in October.

Thanks.

TOM
by kupuna
Sat Apr 14, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

For the Bogleheads community We just received some exciting news for the Bogleheads Conference on October 3/4/5. Rick Ferri will be attending the conference and be sitting on the expert panel so you have one more expert to help answer your financial questions. As a reminder here are the people who ...
by kupuna
Thu Apr 05, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 8888

Re: Bill Bernstein, new podcast

I always enjoy listening to the insights of Bill Bernstein.

TOM
by kupuna
Mon Mar 26, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

TheQuietMan, book lover and Jiu Jitsu Fighter, Keep those questions coming. Since I'm in the distribution phase I'm always thinking about my withdrawal rate and I think VG's factor-based ETF will also be questioned. Please keep the questions coming and I continue to log them all. I hope yours is luc...
by kupuna
Wed Mar 14, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 44
Views: 12622

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

Fellow Bogleheads, This is Mel Turner (aka TOM , T he O ther M el). Just like the two previous years I have the privilege of asking the experts questions at the 2018 Bogleheads Conference. I'll do my best to ask questions that cover the spectrum from the novice through the sophisticated investor. So...
by kupuna
Thu Sep 21, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 37
Views: 12923

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

galeno,

Thanks for your questions but I have reviewed our attendees and found none are from Ireland this year so your questions would be pretty far down the list.

Thanks for your input.

kupuna/ TOM
by kupuna
Wed Sep 20, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 37
Views: 12923

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

celia That is a valid question. The entire conference is done by volunteers. Even us organizers and the experts pay to attend the same as everyone else. There are a several people who volunteer by taking pictures, video taping several of the events and VictoriaF does a super job of transcribing part...
by kupuna
Tue Sep 19, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 37
Views: 12923

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

Thanks to everyone for your questions to the Expert Panel at the 2017 Bogleheads Conference. They are all very thoughtful. I am in the process of reviewing and organizing them. Questions from those attending will have priority. Feel free to submit question on the forum for the next week and then I w...