Search found 15539 matches

by Mel Lindauer
Thu Jul 17, 2008 10:40 am
Forum: Investing - Theory, News & General
Topic: ECONOMICS THREADS GO IN THE LOUNGE FORUM
Replies: 30
Views: 4980

A major problem with a single forum setup is that (sometime in the future), folks wouldn't be able to weed out posts from sub-forums they're not interested in. Alex currently has a new feature that will allow members to put certain sub-forums on "Ignore" on his "to do" list.

Regards,

Mel
by Mel Lindauer
Thu Jul 17, 2008 9:04 am
Forum: Personal Investments
Topic: fixed index annuity?
Replies: 3
Views: 1221

Re: fixed index annuity?

This is a new term I just heard recently. What is it? Any value to a younger or novice investor in the accumulation phase of investing, or just a way to pay higher fees to a financial planner? I looked it up on the web, and found a pile of ads. I thought this might be a place to go where I'd get a real answer and not a sales pitch! Many of these annuities pay a "teaser" rate to suck you in, but the good rate only lasts for a short period (perhaps a year) while the surrender fees might last for much longer, which means you can't get out without paying a penalty, and you're stuck with a below-market rate. In addition, many annuities require you to be 59.5 years of age before you can withdraw the money without paying a penalty. In g...
by Mel Lindauer
Thu Jul 17, 2008 8:56 am
Forum: Personal Investments
Topic: Fidelity vs. Vanguard
Replies: 9
Views: 4069

IMO, they're both good companies, but I prefer to invest with a company that's owned by the investors.

If you're a Flagship client at Vanguard, you get 12 FREE trades per year. and they'll buy Treasuries at auction for your account for no charge. And if you want to mix active and index funds, Vanguard would probably work out to be lower cost, due to Fidelity's higher cost for their active funds.

Regards,

Mel
by Mel Lindauer
Wed Jul 16, 2008 2:52 pm
Forum: Investing - Theory, News & General
Topic: CPI-U Index--Up 4.18% YTD [Inflation Protected Bonds]
Replies: 39
Views: 9196

A number of my I Bonds are already paying over 8%. For example, the 01/99 issue is currently yileding 8.22%, while the 11/99 is yielding 8.32% and the 5/00 is yielding 8.42%. Not too shabby for stody old Savings Bonds, huh?

Regards,

Mel
by Mel Lindauer
Wed Jul 16, 2008 7:57 am
Forum: Investing - Theory, News & General
Topic: This Week on the Wiki (July 16,2008)
Replies: 8
Views: 2407

Hi Barry:

You and your Wiki editors continue to add valuable resource material to the Bogleheads wiki. I'm simply amazed at all you and the other volunteers have already accomplished. And it just keeps getting better and better and better.

To paraphrase a current popular country song, "it's not what you take with you (when your time is up), but what you leave behind that counts." You and your wiki editors are going to leave an unparalleled legacy for all investors to learn from, and that's HUGE!

Best regards to you all,

Mel
by Mel Lindauer
Tue Jul 15, 2008 11:07 pm
Forum: US Chapters
Topic: 5th Cincinnati Diehard meeting held
Replies: 3
Views: 2167

Thanks for sharing your group's news, LH.

Best regards,

Mel
by Mel Lindauer
Tue Jul 15, 2008 4:25 pm
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

Hi Larry:

Taylor took the words right out of my mouth. You're a very special human being. Thanks for being you.

Best regards,

Mel
by Mel Lindauer
Mon Jul 14, 2008 10:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable deferred Annuity Failure Risk?
Replies: 7
Views: 1763

LH2004 wrote:
Mel Lindauer wrote:On the other hand, fixed and immediate annuity money is co-mingled with the insurance company's general account, and is subject to siezure if the company folds.
Not immediate annuities. Only fixed annuities, or variable annuity money invested in a general account (fixed) option. Even then, you have priority over non-policy claimants.
If that's the case, and an immediate annuity is not a general obligation of the insurance company, as you claim, why then do states take over immediate annuities when insurance companies fail?

Regards,

Mel
by Mel Lindauer
Mon Jul 14, 2008 9:27 pm
Forum: Investing - Theory, News & General
Topic: It will take 111 years to double your $$ in the S&P 500
Replies: 22
Views: 5401

You need to add in the distributions to get the total return figure.

Regards,

Mel
by Mel Lindauer
Mon Jul 14, 2008 9:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable deferred Annuity Failure Risk?
Replies: 7
Views: 1763

As has been stated, variable annuitie assets are not co-mingled with the assets of the insurance company, and would not suffer if the company had financial problems. On the other hand, fixed and immediate annuity money is co-mingled with the insurance company's general account, and is subject to siezure if the company folds.

Regards,

Mel
by Mel Lindauer
Mon Jul 14, 2008 4:25 pm
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

CyberBob wrote:
mingstar wrote:I don't understand the avatar issue. OH! Yes, I do. This will be fixed by the move, too.
You rock, Larry!
mingstar wrote:I then spent real money buying hardware that should do the job without breaking a sweat.
Let us know where we should send the cash.

Bob
Yes, Larry, let us all know how we can all contribute to the cost of the new hardware.

Best regards,

Mel
by Mel Lindauer
Mon Jul 14, 2008 3:20 pm
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

CyberBob wrote:Is there an avatar issue?
I've had to reload mine several times over the last two days. Sometimes it only stays around for 5-10 minutes before mysteriously vanishing...

Bob
I've noticed that with a number of member's Avatars recently, Bob. The avatars simply display as a box with an "x" inside.

Regards,

Mel
by Mel Lindauer
Mon Jul 14, 2008 9:35 am
Forum: Investing - Theory, News & General
Topic: Anyone exclude Mid Caps?
Replies: 30
Views: 6675

Remember, you need to look at your total portfolio as one, so you'll want to put tax-efficient funds (like TSM) in your taxable account and the tax-inefficient ones in your tax-deferred accounts. Don't simply mimic your tax-deferred account (which holds both tax-efficient and tax-inefficient funds) in your taxable account. It has taken quite some time to convince myself that this is the way to go. I am still quite nervous about it, but my wife freaks out each time I say I am going to move most of our stock funds into our taxable account. To be honest, I don't blame her. It's taken a long time to save some of this money. In addition, a portion came from an inheritance from her father late last year, so she doesn't want that portion to lose ...
by Mel Lindauer
Mon Jul 14, 2008 5:48 am
Forum: US Chapters
Topic: Any chapters in Massachusetts?
Replies: 27
Views: 8824

Re: Any chapters is Massachusetts?

bogey wrote:Cape Cod or the islands would be nice, too.
Hi Bogey:

We did have a New England Chapter, but our good friend, Bob Stowe, who was the Chapter Coordinator, passed away.

If you get four more Diehards who would like to form a chapter, and one of you agrees to be the Chapter Coordinator (doesn't have to be an investment guru), then I'll assign your group the next available Chapter number and add your group and contact information to the map. Here's a link to the existing Chapters: http://www.lostsprings.com/diehards/chapters/

Good luck!

Regards,

Mel
by Mel Lindauer
Sun Jul 13, 2008 9:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone exclude Mid Caps?
Replies: 30
Views: 6675

LHerr's post shows that the total stock market has c. 72% large cap. This is based on market weight. I am comfortable with it. Also, I am not a fan of holding approximately 70% in larger companies. I wonder which is the right opinion, or is there no single correct opinion? Looking over the performance of the stock funds in our 401(k)s, including those we have invested in, the sweet spot seems to be about 50% large-cap, 30% mid-cap, and 20% small-cap. I am tempted to go with something similar when we invest our taxable money, but I also wonder if this is just chasing recent (last 10 years) performance. Remember, you need to look at your total portfolio as one, so you'll want to put tax-efficient funds (like TSM) in your taxable account and ...
by Mel Lindauer
Sun Jul 13, 2008 9:51 pm
Forum: Personal Investments
Topic: New Contributions
Replies: 23
Views: 2661

I agree with DblDoc. Those who are in the accumulation stage and DCAing into the market via their 401k and other retirement plans should be very happy to be buying equities at lower prices. Regards, Mel Mel I do have one question. I when I first set up my bonds I read I wanted to match the duration to my timeframe. So I have an allocation of LT Treasuries. I have held on to it when rates went up and when they went down so holding it is not an issue. But what I keep reading is I am not being paid for the extra risk I am taking. When I do my reallocations in december, should I move to IT? or even ST? Right now my bonds are roughly 1/4 intermediate bond index private account in my 401k, 1/4 TIPS, 1/4 TBM, and 1/4 LT Treas. The only change I a...
by Mel Lindauer
Sun Jul 13, 2008 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC Insurance - Can I purchase more?
Replies: 8
Views: 2399

I've never heard of anyone (other than a bank) being able to "purchase" FDIC insurance. Rather, you qualify under the guidelines at a bank that contributes/belongs to FDIC.

Regards,

Mel
by Mel Lindauer
Sun Jul 13, 2008 4:49 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein on the value premium
Replies: 32
Views: 7621

Re: Bill Bernstein on the value premium

In the July/August issue of the Journal of Indexes there is a round table discussion with Bill Bernstein and six other experts on behavioral finance. For the first time to my knowledge Bill offers his take on the value premium. Quote: “I’m a strong believer in the value premium, and I think that most, but not all of it, is behavioral.” Too bad the article took on the appearance of seven sound bites. Perhaps we can get Bill, Rick and Larry to do a round table discussion on the subject here in this forum. At Diehards VII in San Diego in Sept., I'll be moderating a Q&A with the Experts. The Panel will include Bill Bernstein, Rick Ferri, Professor Ed Tower of Duke, Bill Schultheis, Sue Stevens, Laura and others. You can pose your questions...
by Mel Lindauer
Sun Jul 13, 2008 9:43 am
Forum: US Chapters
Topic: Phoenix, AZ
Replies: 2
Views: 2288

Re: Phoenix, AZ

mminaz wrote:Are there any chapters here in Phoenix, AZ?

If not, let's start one up. Heck, there's a corporate office of Vanguard in town. We need to represent!

PM if interested or know of any current get togethers.

tnx,
Mike
Hi Mike:

It looks like there are two AZ Local Chapters. Here's a link to the Diehards Local Chapters with contact information: http://www.lostsprings.com/diehards/chapters/

Good luck!

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 10:37 pm
Forum: Investing - Theory, News & General
Topic: Anyone exclude Mid Caps?
Replies: 30
Views: 6675

Puakinekine wrote:
Mel Lindauer wrote:
Puakinekine wrote:Try searching "Mel's Mid-Caps" or Mel's Beloved Mid-caps" either using the forum search (which I personally have little success with) or Google.
Try searching for "Mel's Unloved Mid-Caps", both on this forum and on M*'s Vanguard Diehards forum, and you'll get lots of discussions on this subject.

Regards,

Mel
Oops. Well I guess they're beloved to Mel! :oops:
You tried, and you were very close! And you're right about mid-caps being "beloved to Mel!"

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 10:14 pm
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

Re: Search function not working.

Taylor Larimore wrote:Hi Larry:

The revised forum appears to be running beautifully.

However, the Search function has not been working for several days? I'm surprised no one has mentioned this?

Thanks again for all you do.

Best wishes.
Taylor
Yeah, Taylor, I miss that function, too. However, I figured it was probably pretty far down on the list of things that had to be done to get the forum up and running properly. Hopefully we'll get the search feature back, now that things seem to be running smoothly again.

Best regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 10:11 pm
Forum: Personal Investments
Topic: New Contributions
Replies: 23
Views: 2661

Re: New Contributions

YDNAL wrote:
We're talking about mutual funds here, LH and Landy, not individual stocks. Would you rather pay $20 or $2 for a fund, such as Total Stock Market?
Mel,

You are taking things out of context. As for me, I'm discussing a TSM fund trading at $4 (for instance) in July 2008 and believed to be "on sale", when under a 1929-like scenario it trades at $2 in mid-2009. And, it takes 20 years to trade at $4. Or a 1989 Japan-like scenario that wouldn't recover even after 20 years.

Regards,
Landy
If you don't believe that equities will be higher when you'll eventually need to sell them than they are when you buy them, you simply shouldn't be buying equities.

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 9:28 pm
Forum: Personal Investments
Topic: New Contributions
Replies: 23
Views: 2661

Re: New Contributions

LH2004 wrote:
Mel Lindauer wrote:Perhaps you'd be happier paying MORE for the shares you buy, Landy? Most folks I know would rather pay LESS.
Personally, I'd be just about indifferent between paying $20 for a share worth $20 and $2 for a share worth $2. I guess that's why I'm not a market timer.
We're talking about mutual funds here, LH and Landy, not individual stocks. Would you rather pay $20 or $2 for a fund, such as Total Stock Market? Most folks I know would rather pay $2.

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 8:47 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle vs. Target Retirement
Replies: 21
Views: 5315

It's important to select the TR fund that most closely matches your desired asset allocation, regardless of the date in the fund name.

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 8:45 pm
Forum: Personal Investments
Topic: New Contributions
Replies: 23
Views: 2661

Re: New Contributions

YDNAL wrote:
Since April I have had all new contributions going to my stock allocation (hey who doesnt like a sale).
aainvestor,

Your new contributions may well have dropped 30-40% by next July.
1) How would you feel about that?
2) Further, if you were close to retirement or in retirement, how would you feel about that?

I'm getting a bit irritated by so many claiming they love to buy things on sale, while the world around them has gone crazy (at least unstable). We are navigating very troubled waters and cautious decisions will keep the boat from sinking.

Regards,
Landy
Perhaps you'd be happier paying MORE for the shares you buy, Landy? Most folks I know would rather pay LESS.

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 8:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone exclude Mid Caps?
Replies: 30
Views: 6675

Puakinekine wrote:Try searching "Mel's Mid-Caps" or Mel's Beloved Mid-caps" either using the forum search (which I personally have little success with) or Google.
Try searching for "Mel's Unloved Mid-Caps", both on this forum and on M*'s Vanguard Diehards forum, and you'll get lots of discussions on this subject.

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 8:26 pm
Forum: Personal Investments
Topic: New Contributions
Replies: 23
Views: 2661

I agree with DblDoc. Those who are in the accumulation stage and DCAing into the market via their 401k and other retirement plans should be very happy to be buying equities at lower prices.

Regards,

Mel
by Mel Lindauer
Sat Jul 12, 2008 6:30 pm
Forum: Personal Investments
Topic: Annuities
Replies: 7
Views: 2221

Re: Annuities

Taylor, Mel, Laura I haven't posted to this site in a long time. Here is my dilemma. We are attempting to sell our home and have made a deposit on a home in a retirement/nursing home community. I am 77 & my husband will be 76. We are presently living on our Social Security (no pensions) and income from part-time employment for my husband. Our present allocation with V/G is: Short term reserves 2.2% Bonds 61.1% Stocks 35.2% CD's 1.5% Holdings with V/G are Total Bond Mkt Index Admiral, Total Stock Market Index Admiral, Diversified Equity, Wellington, Prime Money Mkt., Total Stock Market Investor. Some of these are in IRA's. My concern is the 3 annuities my husband has and the 1 I have. They are all variable annuities with the Total Bond ...
by Mel Lindauer
Sat Jul 12, 2008 10:53 am
Forum: Personal Investments
Topic: New Contributions
Replies: 23
Views: 2661

If your stock allocation is below your desired target allocation, then that's fine. However, if you're changing your allocation based soley on current market conditions, then that would be considered to be a form of market timing.

Regards,

Mel
by Mel Lindauer
Fri Jul 11, 2008 7:57 am
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

Hi Larry:

FWIW, performance seems to be much improved this morning. Thanks for all you've done, and are doing.

Best regards,

Mel
by Mel Lindauer
Thu Jul 10, 2008 4:40 pm
Forum: Personal Investments
Topic: What are the advantages (if any) of a variable annutity?
Replies: 68
Views: 12553

Hi Again TMann:

While, IMO, the VA wouldn't be appropriate for your parents, they may want to consider a Single Premium Immediate Annuity (SPIA) that would pay them a stream of income that they couldn't outlive. That might be appropriate for part of their assets if:

1. They have a history of longeviety,
2. They're worried about outliving their assets, and
3. They're not worried about leaving a legacy.

Regards,

Mel
by Mel Lindauer
Thu Jul 10, 2008 3:43 pm
Forum: Personal Investments
Topic: What are the advantages (if any) of a variable annutity?
Replies: 68
Views: 12553

After reading the portion of the prospectus that Taylor posted, I'd say it's a perfect example of "baffle 'em with bs so they don't have the foggiest idea of what they're buying".

I'd recommend that your parents run, not walk, away.

Regards,

Mel
by Mel Lindauer
Thu Jul 10, 2008 1:22 pm
Forum: Personal Investments
Topic: What are the advantages (if any) of a variable annutity?
Replies: 68
Views: 12553

Hi TMann:

Be very careful, since, IMO, there's no way they can offer a guaranteed risk-free 7% per year for as long as the surrender fee runs. Normally, these "bonus" guaranteed figures are only guaranteed for a short period (normally one year) while the surrender fee runs for a whole lot longer (somtimes up to 10 years) with a much reduced rate being paid for that period.

I'd be very skeptical.

Regards,

Mel
by Mel Lindauer
Thu Jul 10, 2008 1:18 pm
Forum: Personal Investments
Topic: What are the advantages (if any) of a variable annutity?
Replies: 68
Views: 12553

My parents are in their mid-70s and have been both been retired for about 5 years. They are contemplating moving about half of their retirement money to a variable annuity with ING (GoldenSelect.) Their retirement savings is almost exclusively in tax-deferred accounts, so there wouldn't be any tax savings for them. The reason that they are considering this move is because their financial advisor told them that the ING annuity has a guaranteed 7% return AFTER the fees have been deducted. I briefly looked over the prospectus for this annuity and it appears that one is only locked into the annuity for four years. My parent's retirement savings is modest, so they are very risk-averse. The idea of a guaranteed 7% return is very appealing to the...
by Mel Lindauer
Thu Jul 10, 2008 11:08 am
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

Hi Again Larry:

I just tried to edit the post above this, and it hung again.

Best regards,

Mel
by Mel Lindauer
Thu Jul 10, 2008 11:05 am
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

Hi Larry:

Some things you may already know and some you may not:

1. The site was down last night.
2. This morning, I couldn't edit posts (hung) or reply to PMs (hung)
3. Got this error message "phpBB : Critical Error Could not connect to the database"
4. Got a crazy display when connecting to Bogleheads.org
new posts over 0 topics in last day.

# Replies - Subforum (see list) - Topic Title First (time, by) - Last (time, by)
Subforum key:
h = Investing - Help with Personal Investments
t = Investing - Theory, News & General
p = Personal Finance
l = Lounge - Consumer, Leisure and General Interest
r = Reference Library and Wiki
c = Local Chapters
f = Forum Issues and Administration

Hope that helps.

Best regards,

Me.
by Mel Lindauer
Wed Jul 09, 2008 8:57 pm
Forum: Forum Issues and Administration
Topic: Politics
Replies: 32
Views: 8629

Re: Politics

by Mel Lindauer
Wed Jul 09, 2008 3:56 pm
Forum: Personal Investments
Topic: DIEHARDS VII OFFICIAL ANNOUNCEMENT
Replies: 89
Views: 38934

Re: Looking forward to seeing you in September

suestevens wrote:Hi everybody,

Looking forward to seeing you in a couple months. San Diego should be beautiful, Jack is always inspiring and I'm looking forward to catching up with many of you!
Hi Sue:

Looking forward to seeing you again this year and having you on our Q&A with the Experts Panel.

Best regards,

Mel
by Mel Lindauer
Wed Jul 09, 2008 2:34 pm
Forum: Investing - Theory, News & General
Topic: Which Bond funds and at what % ?
Replies: 6
Views: 1971

Hi Mike:

Actually, there's nothing wrong with holding all three, but for simplicity's sake, a 50/50 split between two might be better.

Normally, folks who like mortgage-backed-securities use Total Bond and TIPS, while folks who don't like MBS will use the Intermediate Term and TIPS.

IIRC, Intermediate Term has a slightly longer duration than TBM, so that may or may not matter to you.

Regards,

Mel
by Mel Lindauer
Tue Jul 08, 2008 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with annuities when I transfer to Vanguard?
Replies: 4
Views: 1572

Are these annuities qualified or non-qualified?

If they're qualified, you don't have to transfer them to another annuity.

Remember, if the current expenses are high enough (as is the case with many/most annuities), the payback period for doing a 1035 exchange to a low-cost non-qualified annuity at Vanguard can often be very short, even after paying the surrender fees. That's something worth running the numbers on.

Regards,

Mel
by Mel Lindauer
Mon Jul 07, 2008 10:19 pm
Forum: US Chapters
Topic: St. Louis, MO ?
Replies: 5
Views: 4079

If you look on the map under "Looking to form Chapters", there was previously some interest expressed in a St. Louis Chapter. Perhaps that contact might still be valid. Give it a try.

Regards,

Mel
by Mel Lindauer
Sun Jul 06, 2008 6:43 pm
Forum: Forum Issues and Administration
Topic: RSS feed broken on 7/06?
Replies: 3
Views: 2114

Re: RSS feed broken on 7/06?

sewall wrote:I haven't received any forum messages via RSS feed today. Wondering if it is broken?
Not sure, but it may be related to the move to a new server over the weekend.

Regards,

Mel
by Mel Lindauer
Sat Jul 05, 2008 10:15 am
Forum: Personal Investments
Topic: Annuity For Mom
Replies: 32
Views: 5413

Re: Message from eBay Member Regarding Item #130231298584

martin2561 wrote:You can't truly know an annuity till you buy one, then its to late. Ask to see the rule book before you buy and read it and see if you understand, I have one and it has 107 pages small print. The reason annnuities are pushed is because of the high commissions, not because it fits your needs. You can take 1M and do latter CD's and put some in say Vanguard Intermediate bond fund, have a great income and be very safe and easy and sill have your money ready in case of emergency.
Hi Martin:

It sounds like you may be mixing Variable Annuities (usually bad and very complex) with Single Premium Immediate Annuities (straightforward and can be good when used appropriately).

Regards,

Mel
by Mel Lindauer
Sat Jul 05, 2008 10:03 am
Forum: Personal Investments
Topic: Have I made a mistake? No yelling, please...
Replies: 22
Views: 4642

Re: Have I made a mistake? No yelling, please...

Last week was my birthday, so I wanted a present. Did I buy the wrong present? :oops: I added MidCap to my ROTH portfolio as follows by exchanging from Total Stock and Total Intn'l: Total Bond (VBMFX) 10% TIPS (VIPSX) 16% Total Stock (VTSMX) 15% Mid-Cap (VIMSX) 15% REIT (VGSIX) 15% Total Intn'l (VGTSX) 30% With this mix, I think I'm about 32.9% Large, 63.6% Mid and 3.5% Small. I was looking for something spicier than large-cap but can't stomach volatility of small-cap right now. I'm sitting tight with 80/20 equity/bond but current allocation is 70/30 equity/bond. All dividends are reinvested into Total Bond. Should I change this? No 401K at work (working on this). Maxing ROTH, then moving on to taxable (I'll ask advice again when I get the...
by Mel Lindauer
Sat Jul 05, 2008 9:44 am
Forum: US Chapters
Topic: Looking for area chapter. Pennsylvania.............
Replies: 2
Views: 2289

Re: Looking for area chapter. Pennsylvania.............

doobman wrote:Any chapter in south central PA....Hershey area?
Hi doobman:

There is a Chapter in the Philadelphia area, but I'm not sure how active it is. If you can get five or more Diehards who want to form a Local Chapter in your area, and one of you agrees to be the coordinator (doesn't have to be an investing guru), then I'll assign the next available Local Chapter number to your group and add your group and contact information on the map. Here's the current lineup:

http://www.lostsprings.com/diehards/chapters/

Good luck!

Mel
by Mel Lindauer
Sat Jul 05, 2008 9:37 am
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

mingstar wrote:Thanks folks. No more notifications are necessary for now. As I said above, the site will be moved to another server as soon as possible. We'll see if that resolves the problem.

If we find that we're still hitting the quota after the move, I'll redirect the site back to the original location while I look for another option.

I'll post to this thread when I'm informed that the migration has taken place.

Larry
Hi Larry:

If you need financial contributions to correct this situation, I don't think we'd have any problem raising the required funds via voluntary contributions from many of the members.

Just let us know what's needed.

Best regards,

Mel
by Mel Lindauer
Sat Jul 05, 2008 9:25 am
Forum: Forum Issues and Administration
Topic: transition to a new hosting facility
Replies: 75
Views: 20121

Re: Still a problem

Laura wrote:I was just locked out with the same error.

Laura
Yeah, I got it several times, too.

Best regards,

Mel
by Mel Lindauer
Sat Jun 28, 2008 7:26 pm
Forum: Personal Consumer Issues
Topic: Help with a name for a seafood restaurant
Replies: 168
Views: 76880

Here's another one:

Castanet

Best regards,

Mel
by Mel Lindauer
Fri Jun 27, 2008 8:49 pm
Forum: Personal Consumer Issues
Topic: Help with a name for a seafood restaurant
Replies: 168
Views: 76880

Note to Chris

Hi Chris:

Boy, you sure must be hungry since you're certainly trying awfully hard to win those free meals. :D I guess that means you're planning on making Diehards VIII in Dallas in 2009?

Best regards,

Mel
by Mel Lindauer
Fri Jun 27, 2008 8:25 pm
Forum: Personal Investments
Topic: RMD question
Replies: 7
Views: 1840

Given the other answers you've gotten, I would say you'd better check the contractual obligations of the TSP, since my answer applied to two IRAs, and apparently that's not the case here.

Regards,

Mel