Search found 12974 matches

by Mel Lindauer
Mon Mar 05, 2007 8:12 pm
Forum: Investing - Theory, News & General
Topic: Guaranteed Interest Account /5 Year
Replies: 4
Views: 3114

Re: Guaranteed Interest Account /5 Year

The description reads,the Guaranteed Interest Investment provides a guaranteed interest rate for a set period of time.It invests in private market bonds,commercial mortgages and morgage-backed securities as part of the General Account assets of Principal Life Insurance Company. This description (pl...
by Mel Lindauer
Mon Mar 05, 2007 7:45 pm
Forum: Forum Issues and Administration
Topic: To what extent will you support advertising on this forum?
Replies: 33
Views: 18982

Reply to Alex

Hi Alex:

That's very generous of you and Larry. We would expect you to let us know if you do need any contributions in the future.

My very best to you and Larry.

Mel
by Mel Lindauer
Sun Mar 04, 2007 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Just returned
Replies: 10
Views: 4904

Hi Again Grandpaboys:

Actually, posts that are new or that have been added to since you last checked will be at the top of the page, so it shouldn't be that hard to catch up.

Regards,

Mel
by Mel Lindauer
Sun Mar 04, 2007 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Just returned
Replies: 10
Views: 4904

Welcome back, and welcome to the new forum. I think you'll be very happy here.

Regards,

Mel
by Mel Lindauer
Sun Mar 04, 2007 9:40 am
Forum: Forum Issues and Administration
Topic: To what extent will you support advertising on this forum?
Replies: 33
Views: 18982

Re: blb

Petrocelli wrote:I think the forum link to Amazon is a great idea.
That sounds like something that might work, if the forum administrators agree.

Regards,

Mel
by Mel Lindauer
Sun Mar 04, 2007 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Driver's license stolen.....steps to take?
Replies: 11
Views: 5938

Hi ualdriver:

Sorry to hear about your problems. You might also want to look into a credit "freeze" at the three credit-reporting agencies. That's what I use to head off any potential problems.

Regards,

Mel
by Mel Lindauer
Sat Mar 03, 2007 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a (probably) simple bond question
Replies: 15
Views: 9881

More for grok

Hi Again grok: Well I was just showing off what I learned in the Boglehead guide (one of my favorite investing books by the way). Page 124-125 has a whole section on the importance of tax loss harvesting. Glad to hear that you enjoyed our book. I'm vacationing now and don't have a copy of our book w...
by Mel Lindauer
Sat Mar 03, 2007 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Welcome Steve Dunn (Member #770)
Replies: 5
Views: 3228

Reply to David

Hi David: And speaking of Dr. Bernstein, do you think it's possible we'll be seeing the name "wbern" at this site soon??? Bill's a very busy guy, but he's aware of our new forum. His policy on posting here will be the same as it was on the M* forum -- he'll only post on those occasions when he feels...
by Mel Lindauer
Sat Mar 03, 2007 3:36 pm
Forum: Forum Issues and Administration
Topic: A sticky post for Posting Guidelines?
Replies: 1
Views: 2000

Hi Bob:

The post has already been made here http://diehards.org/forum/viewtopic.php?t=384, and I've added what I feel are appropriate comments.

Phoenix and Alex will have to decide is they'll make it a sticky.

Regards,

Mel
by Mel Lindauer
Sat Mar 03, 2007 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Welcome Steve Dunn (Member #770)
Replies: 5
Views: 3228

Welcome Steve Dunn (Member #770)

Hello Everyone: Just wanted to let you know that we have another distinguished member of the forum. He's Steve Dunn, creater of "Dunn's Law", which many of you may be familiar with. He and Bill Bernstein can conduct a conversation at a level that will make your head spin, and they did just that at d...
by Mel Lindauer
Sat Mar 03, 2007 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hello and welcome! I am ...
Replies: 43
Views: 25494

More for EmergDoc

Hi Again Doc:
I confess I spent some time searching for your picture through google without success. I'm sure I'll find a better avatar in a few days!
Well, Larry's smarter, but I'm better looking, so you'll just have to pick your poison! :D

Regards,

Mel
by Mel Lindauer
Sat Mar 03, 2007 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a (probably) simple bond question
Replies: 15
Views: 9881

Reply to grok

Hi grok: think the spirit of Mel's idea is right, but the direction is wrong. I think you actually want to realize capital losses not gains. I don't know about you, but I'd much prefer realizing capital gains , rather than losses. Remember, the goal of investing is to make money, not lose it. Regard...
by Mel Lindauer
Sat Mar 03, 2007 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Hello and welcome! I am ...
Replies: 43
Views: 25494

Note to EmergDoc

Hi Doc:

You look just like my friend, Larry Swedroe. The resemblence is remarkable!

Regards,

Mel

Edit - EmergDoc's original avatar was a picture of Larry Swedroe. This has been pulled pending a decision on using other diehards' images as avatars. - Site Admin
by Mel Lindauer
Sat Mar 03, 2007 8:27 am
Forum: Personal Finance (Not Investing)
Topic: TrevH Member #743
Replies: 3
Views: 2618

Hi Trev:

Nice to see your name on the membership list. Looking forward to your always-informative posts.

Best regards,

Mel
by Mel Lindauer
Fri Mar 02, 2007 7:15 pm
Forum: Investing - Theory, News & General
Topic: Bogle Says ETFs a Mistake for Many Investors
Replies: 10
Views: 4932

Jack Bogle on ETFs

And to add to what Rick said, Jack feels that some (many?) investors will simply use them as trading vehicles, rather than long-term investments.

Regards,

Mel
by Mel Lindauer
Fri Mar 02, 2007 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a (probably) simple bond question
Replies: 15
Views: 9881

Reply to Petro

Hi Petro: If I am holding to maturity, do I really care that the bond price is fluctuating? In addition to the point that Larry made, while small fluctuations are no big deal, large fluctuations in the positive direction just might cause you to think about selling the bond and realizing the capital ...
by Mel Lindauer
Fri Mar 02, 2007 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity AA help please
Replies: 14
Views: 6263

Re: Annuity AA help please

We will have a few hundred acres of land that is owned that will be rented out in our old age. Not sure how to fit that in our AA. Since you're considering this to be an investment, you might want to think of it as part of your REIT, since it will be producing incme from real estate, similar to a R...
by Mel Lindauer
Fri Mar 02, 2007 3:16 pm
Forum: Investing - Theory, News & General
Topic: A Rebalancing Question
Replies: 15
Views: 6870

Re: For Mel

Doc wrote:Mel, I actually agree with you on this one. :(
Hi Doc:

Nice to *see* you posting over here; I think you have lots to offer. Hopefully we can all learn for our exchanges.

Regards,

Mel
by Mel Lindauer
Fri Mar 02, 2007 3:06 pm
Forum: Forum Issues and Administration
Topic: Color Schemes of diehards.org and diehardsforum.org
Replies: 9
Views: 4909

Reply to Bob

Hi Bob:
But the nifty thing about this board is that if different styles are loaded, then each individual can choose their own color
Good point; I forgot that that was an option available to each member. Still learning about all the nice features of this software!

Regards,

Mel
by Mel Lindauer
Fri Mar 02, 2007 3:03 pm
Forum: Forum Issues and Administration
Topic: Reporting Spammers / Alerting Moderators
Replies: 18
Views: 8185

Reply to Ash

Hi Ash: I believe the forum can. But right now, the "Moderators" cannot. You need to be an "Administrator" to do that, and I believe right now only Phoenix has that privilege. I think Alex (lowall) is also an administrator now, but he's probably busy working with Larry, taking care of the nuts and b...
by Mel Lindauer
Fri Mar 02, 2007 2:55 pm
Forum: Forum Issues and Administration
Topic: Color Schemes of diehards.org and diehardsforum.org
Replies: 9
Views: 4909

FWIW, I happen to think the current color scheme is just fine, and I'm getting comfortable with it

Best regards to all,

Mel
by Mel Lindauer
Fri Mar 02, 2007 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Avatar test
Replies: 68
Views: 38266

Reply to Bob

Hi Bob: Is it the Sunny, who wrote the best IPS ever? I'd betting it is the same Sunny. He's also been our volunteer official video person at the past few Diehards events, so he's been a good contributor to the Diehards in lots of different ways. His lovely daughter is also the youngest "Diehard" to...
by Mel Lindauer
Fri Mar 02, 2007 2:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore Member #495
Replies: 17
Views: 8238

Reply to Karl

Hi Karl:

Now I imagine we'll hear requests for a Diehards event at Blairstown over here, too, huh? :D

Welcome, and best regards.

Mel
by Mel Lindauer
Fri Mar 02, 2007 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Watch a dumb lady get hit in the head
Replies: 10
Views: 4780

Reply to Rick

Hi Rick:
I do not know about any monetary damages, but in this country that can be prosecuted as battery if they "victim" believes they were harmed.
I thought I heard someone in the tape say to arrest or cuff the lady who hit the other one.

Regards,

Mel
by Mel Lindauer
Fri Mar 02, 2007 10:30 am
Forum: Investing - Theory, News & General
Topic: A Rebalancing Question
Replies: 15
Views: 6870

Hi Bylo: Another technique in the same vein is to take distributions in cash rather than have the fund company reinvest them in new shares of the same fund. Then use the cash from all distributions to buy more shares only in your underperforming funds. If you let the fundco reinvest distributions an...
by Mel Lindauer
Fri Mar 02, 2007 12:15 am
Forum: Investing - Theory, News & General
Topic: Exerpts from Jack Bogle's latest book
Replies: 20
Views: 9983

Reply to Chris

Hi Chris: Actually, I think my Avatar was titled "Beyond Your Wildest Dreams", which I think pretty well sums up how things have gone for me over the years. In addition, I felt it was appropriate, because I think that title also fits this forum's life very well (who would have thunk we'd be where we...
by Mel Lindauer
Fri Mar 02, 2007 12:05 am
Forum: Investing - Theory, News & General
Topic: Exerpts from Jack Bogle's latest book
Replies: 20
Views: 9983

Sailboat Avatar

Hi Bob:

That's a nice sailing Avatar! Let's see if Taylor likes it. If he does, I'll help him get it added to his profile.

Regards,

Mel
by Mel Lindauer
Fri Mar 02, 2007 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Watch a dumb lady get hit in the head
Replies: 10
Views: 4780

Hi Petro:

How much do you figure a good lawyer might be able to get for that lady? She's certainly a good actor and would probably make an ideal client, doncha think? :)

Regards,

Mel
by Mel Lindauer
Thu Mar 01, 2007 11:24 pm
Forum: Investing - Theory, News & General
Topic: Exerpts from Jack Bogle's latest book
Replies: 20
Views: 9983

Taylor's Avatar?

Hi Bob: P.S. While your writing style is very recognizable, have you considered adding an avatar? Mel's writing is recognizable too, but his avatar is quite distinctive and helps make finding his great posts easier. Perhaps we can find a racing sailboat in action Avatar for Taylor, since it would be...
by Mel Lindauer
Thu Mar 01, 2007 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web system down in busy week
Replies: 3
Views: 2486

Vanguard's Computer Outage

Hi Bob and Everyone:

While a computer outage certainly isn't a desirable feature, in this case it may well have prevented some investors from shooting themselves in the foot by keeping them from doing some knee-jerk panic selling.

Regards,

Mel
by Mel Lindauer
Thu Mar 01, 2007 9:39 pm
Forum: Investing - Theory, News & General
Topic: A Rebalancing Question
Replies: 15
Views: 6870

Reply to Ramone

Hi Ramone: I like the expansion band method as outlined in CyberBob's post. It keeps investors from having to rebalance on a more frequent basis. I also concur with Matt's comment about directing new money to help bring your asset allocation back to its desired levels. That's an especially effective...
by Mel Lindauer
Thu Mar 01, 2007 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Over 500 Members and Still Climbing!
Replies: 35
Views: 17207

Hello Everyone:

And here we are, just three days after I started this post, and we're at 655 and counting! Obviously this thing has a life of it's own now, and it's not going to go away. Along with the quantity, let's all work to keep the quality level up as well.

Best regards to all,

Mel
by Mel Lindauer
Thu Mar 01, 2007 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Question for Taylor and Mel About Their Book
Replies: 8
Views: 4362

Hi Again Stan: Hey ... I'm already sign up for Diehards VI ... who do I talk to about volunteering? ... I think I still remember how to bus tables and I know I can hand out programs Don't get your hopes up -- Wiley donated the last ones to us for Diehards V and we gave them out last year. Regards, Mel
by Mel Lindauer
Wed Feb 28, 2007 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Taylor and Mel About Their Book
Replies: 8
Views: 4362

Reply to Stan

Hi Stan: Hi Mel, Is there any chance of getting your publisher to have some more made up ... I would truly love to have one for my desk at work. Then when people ask which football coach is that, I can give the 2 minute Index Investing sales pitch ... hey it's for their own good Stan I seem to recal...
by Mel Lindauer
Wed Feb 28, 2007 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Tax advantaged portfolio
Replies: 11
Views: 5981

Investing Inheritance

Hi Korman: Obviously, tax-efficiency will be a paramount consideration, since you say you don't need the money to live on. Vanguard's Total Stock Market Index fund is both diversified and tax-efficient. If you need bonds in your taxable account, you might look at munis, or perhaps you might choose t...
by Mel Lindauer
Wed Feb 28, 2007 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Over 500 Members and Still Climbing!
Replies: 35
Views: 17207

Reply to Jeober

I find it incredible that one can listen to and communicate with such experienced advisors for free. And it's great these people are willing to share their knowledge - so many smart people here. I've got a bunch of degrees but I am truly humbled. Where were you guys guys back 2000-2002 when I was b...
by Mel Lindauer
Wed Feb 28, 2007 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Taylor and Mel About Their Book
Replies: 8
Views: 4362

Bogleheads' Guide to Investing Cover

Hi Bob: Natually we got Jack's approval, since our publisher wanted to use his likeness on the Bobblehead, and we wanted to make sure that it wouldn't be perceived by Jack as being disrespectful or demeaning in any way. Quite the contrary. though. Jack loved the idea, and when Wiley, our publisher, ...
by Mel Lindauer
Wed Feb 28, 2007 11:11 am
Forum: Investing - Theory, News & General
Topic: TIPS, Bonds and Diversification
Replies: 15
Views: 6604

SteveB3005 wrote:Hey Mel,

Your going to have to spend the buck and upgrade from that Commodore 64 PC and get a something with Windows 98 on it. <wink>
Actually, Steve, I'm running a much more sophisticated top-of-the-line CPM box. :)

Regards,

Mel
by Mel Lindauer
Wed Feb 28, 2007 11:05 am
Forum: Investing - Theory, News & General
Topic: TIPS, Bonds and Diversification
Replies: 15
Views: 6604

Nitsuj wrote:There's a big giant image chart in his post
Hi Nitsuj:

Now I can see it both in the original post and in the quote in my post. However, when I originally posted that, there was nothing there. Gremlins at work! :D

Regards,

Mel
by Mel Lindauer
Wed Feb 28, 2007 10:38 am
Forum: Investing - Theory, News & General
Topic: TIPS, Bonds and Diversification
Replies: 15
Views: 6604

The Flight to Safety We can add yesterday to the list in the chart below. Mel emphasizes the broader principle that historically bonds dampen volatility, a lesson anyone could benefit from. http://www.fpanet.org/journal/articles/2005_Issues/images/MurgiaTable1.jpg Hi Steve: Is it just my poor eyesi...
by Mel Lindauer
Wed Feb 28, 2007 10:31 am
Forum: Forum Issues and Administration
Topic: Do you like the functionality of the avatars?
Replies: 31
Views: 16423

BTW, that's why I haven't turned off avatars so far, since I don't have full control of the board my only choice is to leave them on for everyone or turn them off completely. I just want them off by default, but those who wish to see them should be able to do so. Until I can set it up this way, the...
by Mel Lindauer
Wed Feb 28, 2007 9:50 am
Forum: Investing - Theory, News & General
Topic: TIPS, Bonds and Diversification
Replies: 15
Views: 6604

Hmmm. I'm not sure if I am counted among those "bad-mouthing" TIPS, but I want to note that one should be careful to distinguish between critically examining TIPS and questioning the value of diversification in general. For example, one of our discussions of TIPS has centered on the likely insuranc...
by Mel Lindauer
Wed Feb 28, 2007 7:43 am
Forum: Investing - Theory, News & General
Topic: TIPS, Bonds and Diversification
Replies: 15
Views: 6604

TIPS, Bonds and Diversification

Hello Everyone: After yesterday's market events, hopefully those of you who own TIPS (and other bonds) can now understand the value of diversification. It wasn't very long ago when some folks were questioning the value of TIPS and bonds in general. Diversifiecation works, and yesterday was one more ...
by Mel Lindauer
Wed Feb 28, 2007 2:18 am
Forum: Personal Finance (Not Investing)
Topic: The Sky is Falling ... What's a Mother to do???
Replies: 2
Views: 2464

Norton's Avatar

Hi Norton:

I really like your Avator. It looks familiar, but I just can't seem to remember where I've seen it before! :D

Regards,

Mel
by Mel Lindauer
Wed Feb 28, 2007 1:59 am
Forum: Local Chapters and Bogleheads Community
Topic: any interest in new forum? local chapters & DH mtgs
Replies: 9
Views: 6217

I enthusiastically support a local discussion forum concept, especially for those of us trying to drum up support for a local chapter! In addition, if possible it would be great if we could use a Mapster type grid to show where all registered users are located. Well, those who wish to share that in...
by Mel Lindauer
Wed Feb 28, 2007 1:50 am
Forum: Forum Issues and Administration
Topic: Do you like the functionality of the avatars?
Replies: 31
Views: 16423

Avatars

FWIW, I'd like to see the Avatars retained. However, doing away with the motion ones is fine with me, since they can be distracting. In just a short period of time, I can already recognize a number of posters by their Avatars at a quick glance, without having to read the fine print to see who's post...
by Mel Lindauer
Tue Feb 27, 2007 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Over 500 Members and Still Climbing!
Replies: 35
Views: 17207

Over 500 Members and Still Climbing!

Hello Everyone:

What an amazing number! Check out member #495. (I just walked him through the sign up procedure.)

Best regards to all,

Mel
by Mel Lindauer
Tue Feb 27, 2007 10:23 am
Forum: Local Chapters and Bogleheads Community
Topic: any interest in new forum? local chapters & DH mtgs
Replies: 9
Views: 6217

Re: "Second" ... Or is it "Third"?

This is a great idea and I would ask that it be implemented immediately. I am helping goad the Chicago Chapter (CHIDIE) into life and was planning on posting a message on our next meeting (as I did recently on DH Classic). But where to post? A chapters forum would of course be ideal. Among the feat...
by Mel Lindauer
Tue Feb 27, 2007 12:31 am
Forum: Forum Issues and Administration
Topic: An announcement to the forum's membership
Replies: 26
Views: 19570

Reply to Norm and Orthros

Hi Norm and Orthros: norm wrote: My main concern is that the technical superiority of this format will be continued to be used. Is that true? Norm I second this. I love how easy this is to use and would hate to see that functionality go by the way side. Actually, it will be this exact same forum sof...
by Mel Lindauer
Mon Feb 26, 2007 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Rick Ferri has arrived!
Replies: 29
Views: 15521

Hi Again Bill: Sounds good, Mel. Anything distinguishing that I can recognize you by ? I'll be the guy wearing the brown shoes and long black sox with my polyester cutoff pants and the white belt! But then again, in some parts of Florida, that's probably not really that distinguishing, is it? :D I'l...