Search found 13032 matches

by Mel Lindauer
Sun Mar 11, 2007 6:09 pm
Forum: Investing - Theory, News & General
Topic: Annual total returns of Key asset classes
Replies: 5
Views: 3267

Re: Periodic Return Charts

CyberBob wrote: They're definitely a good reference. Luckily, there is already a good start. The Callan, Janus, and Crowe periodic tables are in this library thread I referenced above.
Thanks, Bob. You're already way ahead of me! I've been so busy, I missed that.

Best Regards,

Mel
by Mel Lindauer
Sun Mar 11, 2007 5:01 pm
Forum: Investing - Theory, News & General
Topic: Do you own any individual stocks?
Replies: 87
Views: 35633

Stocks?

I've never owned an individual stock, and I have no intentions of starting at this stage of my investing career.

Best regards to all,

Mel
by Mel Lindauer
Sun Mar 11, 2007 4:57 pm
Forum: Investing - Theory, News & General
Topic: Annual total returns of Key asset classes
Replies: 5
Views: 3267

Periodic Return Charts

Hi Folks:

Just a suggestion: check with the librarians and see if they would like to add these charts to the library. Personally, I think it would be great having them there for quick reference.

Regards,

Mel
by Mel Lindauer
Sun Mar 11, 2007 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrade to Vista?
Replies: 11
Views: 4927

Upgrade

Hi Pam: I remember the horrible experiences I had several years ago when trying to upgrade from XP to XP Pro. The reason I wanted to upgrade the new computer I purchased is because XP Pro was on my prior machine, and I felt it offered more than the regular XP edition that came with the new computer....
by Mel Lindauer
Sat Mar 10, 2007 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Crisis Looms in Mortgages
Replies: 1
Views: 2004

Hi Joe (and others):

This is being discussed here http://diehards.org/forum/viewtopic.php?t=610 (The link provided at that conversation requires no registration.)

Regards,

Mel
by Mel Lindauer
Sat Mar 10, 2007 6:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investors have to take personal responsibility
Replies: 11
Views: 5911

Re: Vanguard investors have to take personal responsibility

Out of curiosity... are any of you aware of anyone offering actual insurance for this sort of thing? What would it cost to insure your portfolio against fraud of this sort?... Of course it is primarily Vanguard's responsibility to keep their system secure, but given their unwillingness to guarantee...
by Mel Lindauer
Sat Mar 10, 2007 5:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: NY/NJ/CT Metro Diehards Meeting Report
Replies: 2
Views: 2496

Local Chapter Meeting Report

Hi Ave:

Thanks for sharing that with us. See you at the big one in DC!

Best regards,

Mel
by Mel Lindauer
Sat Mar 10, 2007 11:49 am
Forum: Investing - Help with Personal Investments
Topic: I'm probably asking this too soon in my study....
Replies: 30
Views: 15161

I have to research why some people think the retirement funds are only for tax advantaged accounts. I know there are some exceptions, but it would seem that, normally, a higher return is going to be a better return. It's rather simple, lokar. Normally, you'd want to put your bonds and your tax-inef...
by Mel Lindauer
Sat Mar 10, 2007 11:37 am
Forum: Personal Finance (Not Investing)
Topic: 1000 Members
Replies: 18
Views: 7430

Numbers Game

Hello Everyone: The reason for the numbers change is that we've been battling with the SPAMbots on a daily basis, deleting the phoney SPAM posters as they sign up. It will be an ongoing battle, so don't anyone get too attached to their number (except, perhaps, Phoenix, who's #1). Best regards to all...
by Mel Lindauer
Sat Mar 10, 2007 8:09 am
Forum: Investing - Help with Personal Investments
Topic: I'm probably asking this too soon in my study....
Replies: 30
Views: 15161

Target Retirement Funds

Hi lokar: Another advantage of the TR funds is that they offer a new investor a low-cost, nicely-diversified portfolio with a single fund. This is especially important for new investors with small $ amounts, since Vanguard's minimums are $3000 per fund (except for Star). This fund also allows invest...
by Mel Lindauer
Sat Mar 10, 2007 7:39 am
Forum: Investing - Theory, News & General
Topic: STORY:"Four Ways to Ruin Your Retirement"
Replies: 4
Views: 2942

I can definitely relate with #4. I'm 26 and just started last June, but I could have been doing this at 18 easy, considering I had consistent income this whole frickin' time to make it happen. Although I'm still young, it still makes me think to myself, "why didn't I get into this earlier?" I would...
by Mel Lindauer
Fri Mar 09, 2007 8:51 pm
Forum: Investing - Theory, News & General
Topic: best way to buy vanguard funds
Replies: 9
Views: 4777

Buying Vanguard Funds

I agree that the Target Retirement fund that best meets your desired asset allocation would be an excellent choice.

Regards,

Me;
by Mel Lindauer
Fri Mar 09, 2007 4:46 pm
Forum: Forum Issues and Administration
Topic: New Forum Name
Replies: 29
Views: 14436

Reply to Paul

Hi Paul: You're obviously entitled to express your opinion. You (and everyone else) should feel free to post wherever you're most comfortable. In the past, a number of posters objected to the name "Diehards", since they didn't like the dictionary's definition of that word either. So you can't please...
by Mel Lindauer
Fri Mar 09, 2007 12:45 pm
Forum: Investing - Theory, News & General
Topic: FYI: proposed AMT exemption levels for 2007/08
Replies: 9
Views: 2976

Tax Bill

Hi Al: The bill also would consolidate the HOPE credit, the lifetime learning credit, and the college tuition deduction into a single credit of up to $2,500 per student per year. Parents with up to $70,000 AGI ($140,000 for couples) would be eligible for the new credit. Fixing that hodgepodge would ...
by Mel Lindauer
Fri Mar 09, 2007 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting Vanguard Headquarters
Replies: 10
Views: 4577

Visiting Vanguard?

Hi tat: After 9-11, Vanguard really tightened up the security at their campus, so there are no "visits", per se. Even to get into the Investor Center to transact business, you used to have to be "beeped" in by a security guard. I've heard (but not confirmed) that they stopped conducting transactions...
by Mel Lindauer
Fri Mar 09, 2007 7:42 am
Forum: Forum Issues and Administration
Topic: New Forum Name
Replies: 29
Views: 14436

Reply to Av8tor

Hi Av8tor:
Blue side up...
Only another pilot could understand and appreciate that! :)

Regards,

Mel
by Mel Lindauer
Fri Mar 09, 2007 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Welcome to JLP
Replies: 2
Views: 2701

JLP

Hi Barry:

Yes, I saw his name on the memberlist last night and PM'd him to welcome him to the forum. He told me that his financial site would be announcing our new forum to his readers today.

Best regards,

Mel
by Mel Lindauer
Fri Mar 09, 2007 12:00 am
Forum: Investing - Theory, News & General
Topic: STORY:"Net worth of U.S. households skyrockets"
Replies: 7
Views: 3065

Re: Well, OUR net worth went up nicely.....

Considering the percentage of workers with 401k plans and IRAs, it isn't just the wealthy who had an increase in net worth, though the share might be skewed to the upper end. So what, the rise has benefited everyone who had stock holdings. :lol: That's a good point, Sam. I agree that the rise in ne...
by Mel Lindauer
Thu Mar 08, 2007 10:24 pm
Forum: Forum Issues and Administration
Topic: New Forum Name
Replies: 29
Views: 14436

New Forum Name

Hello Everyone: You may have noticed there's been a name change on the forum's masthead. We felt we needed a name that didn't confuse investors or cause any legal or ethical issues with M*. After numerous back-and-forth exchanges of ideas and suggestions from the members of the forum's Executive and...
by Mel Lindauer
Thu Mar 08, 2007 8:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's New Fraud Policy
Replies: 11
Views: 5262

Vanguard's New Fraud Policy

Hi EyeDee:

It's nice to finally see something in writing. However, I was sorry to see that Annuities and 529 Plans aren't covered.

Regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 8:00 pm
Forum: Forum Issues and Administration
Topic: Posting Problem
Replies: 2
Views: 2554

Posting Problems

Hi Paul:

Yes, I've experienced the same thing from time to time. However, when I click again, everything works fine.

Best regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re avatar
Replies: 28
Views: 12441

Re: Bob

Dutchgirl wrote:Thank you SO much. I think it looks beautiful!!
I agree, Yoka.

Regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 4:26 pm
Forum: Forum Issues and Administration
Topic: NEED A NUMBERING SYSTEM
Replies: 66
Views: 37590

Reply to Bylo

Bylo, you never cease to amaze me with your bag of helpful tricks!

Best regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for best equity to put taxable assets in
Replies: 9
Views: 3657

Taxable Equity Choice

FWIW, I agree with Brian.

Regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Blinking avatar solution
Replies: 10
Views: 4407

Wow, is that good service! While I was making my original post, Bob was fixing your problem.

Best regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Blinking avatar solution
Replies: 10
Views: 4407

Re: Blinking avatar solution

Sorry; I have a blinker. Would like to use Disney's Pluto for my avatar. How can I stop the blinking? Murfield Hi Murfield: Nice to see that you found us. Tashina has posted that she'll be glad to help with your problem. See here comments here: http://diehards.org/forum/viewtopic.php?t=507 You can ...
by Mel Lindauer
Thu Mar 08, 2007 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Quotes from a very wise man
Replies: 10
Views: 4710

Hi Drip Guy:

I like your emoticons, but I didn't see them in the group of available choices. Obviously, you're in the "Emoticon Advanced Level" category! :)

Regards,

Mel
by Mel Lindauer
Thu Mar 08, 2007 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quotes from a very wise man
Replies: 10
Views: 4710

Reply to Index Fan

Didn't really mean to stir up trouble :) They were quotes from Frederic Bastiat, the brilliant French economist. A few of the quotes were political (from the early to mid 19th century). Hi Index Fan: Since M* has a Politics Forum, I can understand that you weren't necessarily trying to cause a prob...
by Mel Lindauer
Thu Mar 08, 2007 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Quotes from a very wise man
Replies: 10
Views: 4710

Reply to JMS

This is the off topics section... Lets lighten-up a bit, maybe we want to have a political discussion here. If it gets out of hand then tighten the rains just a bit. IMHO, JMS Hi JMS: We chose not to entertain discussions specifically focused on Politics and Religion, since they often tend to end u...
by Mel Lindauer
Thu Mar 08, 2007 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re avatar
Replies: 28
Views: 12441

Note to Bob

Hi Bob:

That's very generous of you and certainly in keeping with the Diehard spirit.

Best regards,

Mel
by Mel Lindauer
Wed Mar 07, 2007 11:50 pm
Forum: Investing - Theory, News & General
Topic: Allocation and rebalancing across multiple accounts
Replies: 16
Views: 6862

Reply to HFC

Hi HFC:

What do you see as the problem with your plan? Most Diehards do exactly what you plan to do -- treat all their various investments as one portfolio.

Regards,

Mel
by Mel Lindauer
Wed Mar 07, 2007 11:48 pm
Forum: Investing - Theory, News & General
Topic: Advantages that today's investor has over investors of past
Replies: 13
Views: 4636

Reply to Oneleaf

Hi Oneleaf:

One thing current day younger investors have that older investors didn't have is the bevy of tax-deferred retirement vehicles, many with company matches. You can also add in the tax-free college funding programs that didn't exist not too very long ago.

Regards,

Mel
by Mel Lindauer
Wed Mar 07, 2007 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from taxable to 401(k)
Replies: 5
Views: 2842

Reply to kpanghmc

Hi kpanghmc: I'm obviously missing something, since I don't know why you'd want to get rid of a nicely-diversified, tax-efficient Total Stock Market to buy a slightly less-diversified and more costly Index 500 fund. Normally, you'd want to put your bonds in your tax-deferred and tax-efficient funds ...
by Mel Lindauer
Wed Mar 07, 2007 3:26 pm
Forum: Investing - Theory, News & General
Topic: Legislation in the pipeline affecting investors
Replies: 26
Views: 10214

I recall similar figures, but then it was pointed out that this is based on using the sort of calculation retailers use for "mark-up". For example, the real percentage might be 30% but they call it 23%...$100 product costs $130 and the $30 tax is 23% of $130. Hi Jeffy: The old "more is less" trick ...
by Mel Lindauer
Wed Mar 07, 2007 2:48 pm
Forum: Investing - Theory, News & General
Topic: How much would you want TODAY to retire forever?
Replies: 50
Views: 27931

Hello Everyone:

I cheated. (I know the answer, since I'm already retired!) :)

Regards,

Mel
by Mel Lindauer
Wed Mar 07, 2007 2:06 pm
Forum: Investing - Theory, News & General
Topic: Penny stocks as an asset class
Replies: 8
Views: 4392

For an analogy, imagine a mutual fund which tracked the returns of a large number of lottery players or casino gamblers. You'd just end up on the other side of the aggregate equation from the state running the lottery or the casino running the games, and that is a terrible place to be. Great analog...
by Mel Lindauer
Wed Mar 07, 2007 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: FIRST AND SUBSEQUENT RMD'S
Replies: 7
Views: 3626

RMD Plan

Hi CP: 1. Do you agree with my plan on the systematic depletion of individual funds or should I take a percentage from each fund every year to satisfy my RMD??? It looks fine to me. 2.Is my choice of mutual funds in my taxable that I eventually would like to end up with in agreement with you??? The ...
by Mel Lindauer
Wed Mar 07, 2007 7:46 am
Forum: Investing - Theory, News & General
Topic: Legislation in the pipeline affecting investors
Replies: 26
Views: 10214

Very interesting, Mel. Have you seen where a group of Rep. in Florida Legislature are about to introduce a House and Senate bills essentially eliminating property tax for permanent residents and replacing it with an increase in the sales tax from 6% to 9 or 10%? Along with the other cuts already ma...
by Mel Lindauer
Tue Mar 06, 2007 11:14 pm
Forum: Investing - Theory, News & General
Topic: Legislation in the pipeline affecting investors
Replies: 26
Views: 10214

Hi, I like the sales tax idea, but I wonder what percentage it will be? 10%? 15%? 20%? I think the plan will not look so attractive when we see the amount. Best Wishes. Joe I don't know what the current thinking is, but I seem to recall when this was discussed previously, they were using the 17-20%...
by Mel Lindauer
Tue Mar 06, 2007 9:59 pm
Forum: Investing - Theory, News & General
Topic: DH VI
Replies: 9
Views: 4511

I hear it's pretty much filled up. Hi Kathy: You heard right; we're sold out and we've closed the registration! Our meeting and dining room size limits us to 110 attendees, and we've already got that number with checks in hand. We might possibly have been able to reach 200 or more if we had the roo...
by Mel Lindauer
Tue Mar 06, 2007 9:07 pm
Forum: Forum Issues and Administration
Topic: To what extent will you support advertising on this forum?
Replies: 33
Views: 19003

livesoft wrote:Is the user known as "test" paying for the Schwab ads already?
Hi livesoft:

We're addressing that very issue and trying to establish guidelines for Avatars and signatures at this very moment. Hopefully we'll have something posted on this soon.

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 11:58 am
Forum: Investing - Theory, News & General
Topic: Best time to start taking social security
Replies: 6
Views: 3039

Social Security?

Hi tc:

IMO, he should take SS now and keep the few thousand he has for an emergency fund. Since he's 65, he can still earn an unlimited amount without getting penalized further by SS (he may receive lower benefits if he hasn't yet reached full retirement age).

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 11:54 am
Forum: Investing - Theory, News & General
Topic: Legislation in the pipeline affecting investors
Replies: 26
Views: 10214

orthros wrote:Assuming this has legs, it certainly would make one re-think their Roth IRA contribution strategy.
Exactly! That's probably a good reason to diversify the tax situation in one's retirement holdings with some tax-deferred and some tax-free -- just in case.

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 11:25 am
Forum: Investing - Theory, News & General
Topic: Legislation in the pipeline affecting investors
Replies: 26
Views: 10214

Legislation in the pipeline affecting investors

Hello Everyone: Courtesy of InvestmentNews' Regulatory Alert e-mail I just received, here are four pieces of legislation that could definitely affect investors. Don't know which, if any, will make it into law, but wanted everyone to be aware of what's in the pipeline. A House bill introduced in Janu...
by Mel Lindauer
Tue Mar 06, 2007 11:00 am
Forum: Investing - Theory, News & General
Topic: Are Safe Withdrawal Plans Neglecting Spending Reality?
Replies: 34
Views: 15319

Mel, I said that you may remember that I like cold climes more. How could you know that? I am using a different monicre here than at the other site. And, I'm not telling you who that is. Jim Hi Jim: Now you're trying to tax my feeble pea-brain, aren't you? You could always PM me with that info, and...
by Mel Lindauer
Tue Mar 06, 2007 10:27 am
Forum: Investing - Theory, News & General
Topic: What's the current I Bond rate of return?
Replies: 6
Views: 3437

Thanks. Do you think it would be more beneficial to buy I Bonds now or wait until after a possible May 1 adjustment? Hi Again mediahound: I've found that trying to outguess the Treasury on I Bond fixed rates is an exercise in futility. Remember, they arbitrarily set the fixed rate, and there's no a...
by Mel Lindauer
Tue Mar 06, 2007 10:24 am
Forum: Investing - Theory, News & General
Topic: Are Safe Withdrawal Plans Neglecting Spending Reality?
Replies: 34
Views: 15319

Seniors

Obviously, as has been pointed out in these posts, there are some sedentary seniors and some very active seniors. We simply can't pigeonhole the entire senior population into either group.

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 10:17 am
Forum: Investing - Theory, News & General
Topic: What's the current I Bond rate of return?
Replies: 6
Views: 3437

Re: What's the current I Bond rate of return?

Can anyone help me with the current I Bond rate of return? I tried searching online but was not about to find a website with this information. Hi mediahound: If by "current I Bond rate of return" you mean the rate you'd get if you bought I Bonds today, Bob's answer is correct. However, you need to ...
by Mel Lindauer
Tue Mar 06, 2007 9:12 am
Forum: Local Chapters and Bogleheads Community
Topic: North Atlanta Diehards Local Chapter Meeting Notice
Replies: 0
Views: 2047

North Atlanta Diehards Local Chapter Meeting Notice

Hello Everyone:

Just wanted to let any interested Atlanta-area Diehards know about this meeting notice that was posted on the M* forum.

http://tinyurl.com/3cfyfq

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Traditional/Roth conversion--need help
Replies: 8
Views: 3705

Roth Conversion

Hi John:

This sounds like a question for the Retirement Center folks at Vanguard. Suggest you give them a call.

Regards,

Mel