Search found 12978 matches

by Mel Lindauer
Mon Mar 19, 2007 11:04 am
Forum: Forum Issues and Administration
Topic: Bogleheads graphics contest to replace phpBB logo?
Replies: 168
Views: 95872

Forum Logo

Bylo Selhi wrote:Image
Hi Bylo:

Looks like a runaway winner to me! :)

Best regards,

Mel
by Mel Lindauer
Mon Mar 19, 2007 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar upgrading software?
Replies: 3
Views: 2398

Re: Resume normal operations

cfs wrote:Thanks, our Sister Forum is up and running, yesterday when I posted the first note the M* web pages were taking FOREVER to open [at least on this side of the USofA].

cfs
Gotta send things via Pony Express if you want faster service, cfs! :)

Best regards,

Mel
by Mel Lindauer
Mon Mar 19, 2007 9:22 am
Forum: Personal Finance (Not Investing)
Topic: HAPPY BIRTHDAY!!
Replies: 2
Views: 1933

Forum's Birthday

Hi Andy:

It's hard to believe it's been a month already; how time flies! With more than 1250 members and approaching 10,000 posts, the forum progress has been simply amazing!

Best regards,

Mel
by Mel Lindauer
Sun Mar 18, 2007 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Can we get out of a MetLife Preference Plus Variable Annuity
Replies: 23
Views: 12929

Annuity IRA

Hi Jazztonight: It should be illegal to sell a tax-deferred product like an annuity inside an already tax-deferred product (an IRA). One pays extra in insurance and high fees for an annuity, and gains absolutely nothing when it's placed in an IRA. IMO, it's a rip-off of the highest magnitude. Fortun...
by Mel Lindauer
Sun Mar 18, 2007 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Laura, Mel, Taylor
Replies: 10
Views: 4339

Reply to Nick in Ohio

Hi Nick:

Sorry I'm late to the party. Looks like Laura's done all the heavy lifting. I'll just add a "Thank You" for your service and say "Semper Fi".

Mel
USMC 1956-60
by Mel Lindauer
Sat Mar 17, 2007 9:49 pm
Forum: Investing - Theory, News & General
Topic: active management and risk
Replies: 2
Views: 2142

Benjamin Graham

Hi rhp:

Remember, too, that Graham's book was originally written a long time ago when dividend payouts of equities were extremely generous when compared to today's dividend payouts.

Regards,

Mel
by Mel Lindauer
Sat Mar 17, 2007 4:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Update on DFW Diehards meeting--Saturday March 17th
Replies: 3
Views: 2911

DFW Meeting

Hi Gail: A couple of things: First, thanks for sharing the news of your Chapter's meeting. Secondly, don't bury the news of your next meeting in this meeting report. Rather, make a new post, with a title like "DFW Chapter Meeting on XX-XX" or something similar. Otherwise folks might not find your ne...
by Mel Lindauer
Sat Mar 17, 2007 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Help! Stuck with a Variable Deferred Annuity
Replies: 17
Views: 6375

Thanks, Mel. My strategy is to wait until the two REITs we have with the former financial advisor are portable due to going public or cashing out (this year or early next year) then cut the cord on these and the VA at the same time to totally end the relationship. While the advisor is atill making ...
by Mel Lindauer
Sat Mar 17, 2007 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Help! Stuck with a Variable Deferred Annuity
Replies: 17
Views: 6375

Steve's VA

Great topic! There must be a wandering annuity saleman out there, because I'm in a similar situation, except I have 4 years of redemption fees to factor into the equation as well. At your age I would opt for the 1035 to VG and think of it as a lesson, albeit with some potential benefits in time. Hi...
by Mel Lindauer
Fri Mar 16, 2007 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should all bond funds be held in a tax-deferred vehicle?
Replies: 12
Views: 4230

Treasuries & State Taxes

Hi Again TJ: I will admit that I know almost nothing about how dollars are taxed when withdrawn from retirement accounts. I thought they were taxed as income. How is it accounted for tax wise what I may hold now, more than 20 years retirement, which may be sold and rebought multiple times over withi...
by Mel Lindauer
Fri Mar 16, 2007 9:06 pm
Forum: Investing - Theory, News & General
Topic: Does Ron Hylton prove you should never rebalance?
Replies: 21
Views: 8858

Re: Does Ron Hylton prove you should never rebalance?

Ron Hylton's article in the Journal of Indexes, http://www.indexuniverse.com/JOI/index.php?id=813 , talks about "alternative weightings" other than by market cap. They only appear to work; by rebalancing against market capitalization, they prosper under some forms of volatility and underperform und...
by Mel Lindauer
Fri Mar 16, 2007 8:52 pm
Forum: Forum Issues and Administration
Topic: Revised Policy and Etiquette
Replies: 62
Views: 38366

Revised Policy and Etiquette

Please take a minute to to review the revised Policy and Etiquette post. By posting on this board, you are agreeing to its terms so it's important that everyone looks it over. If you wish to discuss any of the new or revised policies, please do so on this thread. We (the Advisory Panel) will be watc...
by Mel Lindauer
Fri Mar 16, 2007 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should all bond funds be held in a tax-deferred vehicle?
Replies: 12
Views: 4230

Treasuries in tax-deferred

Hi tjh: I guess the first question you have to ask yourself is not which state you currently live in, but which state you might live in when you withdraw the funds from your retirement account. Since there are no state taxes due until you make your withdrawals, that's when it will matter. For exampl...
by Mel Lindauer
Fri Mar 16, 2007 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Aspiring Boglehead requesting insight on my AA
Replies: 8
Views: 2724

Re: 70/30

70 equity 30 bond is pretty aggressive for a 60 yr old. Your pensions should offset that a bit but think carefully on your stock/bond ratio. I'd agree with edge that your current 36% in bonds is light for my taste. So, if you haven't done so lately, you may want to revisit your asset allocation to ...
by Mel Lindauer
Fri Mar 16, 2007 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Aspiring Boglehead requesting insight on my AA
Replies: 8
Views: 2724

New Boglehead

Hi jt100: Laura has done her usual excellent job of simplifying complex portfolios. My only comment would be about your D&C International. I'm aware that some folks really like D&C as much as we like Vanguard. If that's true in this situation, then perhaps you might want to substitute that for your ...
by Mel Lindauer
Fri Mar 16, 2007 10:00 am
Forum: Forum Issues and Administration
Topic: PM question
Replies: 11
Views: 5169

PM

Also RTFM ;) 4.3.3: The Outbox When you send a PM, the message goes to your Outbox. It remains in the Outbox until the recipient visits his/her Inbox, at which point it is moved from your Outbox to their Inbox. While the message remains in your Outbox you may edit or delete your post if you like. T...
by Mel Lindauer
Thu Mar 15, 2007 8:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Dallas Fort Worth Diehards meetup, Saturday, March 17th
Replies: 9
Views: 4800

DFW Diehards

Hi Gail:

One of these days I'd like to make one of your meetings. Perhaps I could even bring Jack with me if we end up with Diehards ?? in DFW! :)

Good luck to you and your group. All the best.

Mel
by Mel Lindauer
Thu Mar 15, 2007 8:05 pm
Forum: Forum Issues and Administration
Topic: Censorship – Amazing
Replies: 80
Views: 45490

Moderator's Note to JohnCraig

You've had your say. I'd suggest you let it go now, John.

Regards,

Mel
by Mel Lindauer
Thu Mar 15, 2007 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Stuck with a Variable Deferred Annuity
Replies: 17
Views: 6375

VA

I want to add that my previous recommendations were only made because it sounded like you didn't want to keep your annuity. However, just to be perfectly clear, unless you're in a very low tax bracket now, I'd prefer the 1035 transfer. Use the annuity for your REITS and/or other tax-inefficient inve...
by Mel Lindauer
Thu Mar 15, 2007 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Stuck with a Variable Deferred Annuity
Replies: 17
Views: 6375

What to do with VA

Hi Ben: Since the $8000 gain will be taxed at your ordinary tax rate if you cash it in, you need to run the numbers on what your taxes will be this year vs the annual savings you'd expect to realize over the long period of time you'd be investing those funds elsewhere. The payback point will be obvi...
by Mel Lindauer
Thu Mar 15, 2007 12:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: From NY/NJ/CT Chapter Organizer: question about using forum
Replies: 7
Views: 4668

Local Dhapter Pictures

Hi PJ:

Thanks for that play by play set of instructions for Ave. That's what makes our community so great; everyone helps out whenever they can!

Best regards,

Mel
by Mel Lindauer
Thu Mar 15, 2007 11:58 am
Forum: Local Chapters and Bogleheads Community
Topic: NY/NJ/CT Metro Chapter: Next date is set for June 23rd
Replies: 10
Views: 4906

Re: Chapter 13

We are still looking for members for the Southern UTAH Diehards. cfs =====> Utahdiehards@gmail.com Hi CFS: Feel free to make a new post, announcing that you're looking for members (be sure to include your Local Chapter location in the title of the post). That's what this forum is for. It's yours, s...
by Mel Lindauer
Thu Mar 15, 2007 11:55 am
Forum: Local Chapters and Bogleheads Community
Topic: From NY/NJ/CT Chapter Organizer: question about using forum
Replies: 7
Views: 4668

Local Chapters Questions

Hi Bob:

Thanks for stepping in and answering Ave's technical questions.

Best regards,

Mel
by Mel Lindauer
Thu Mar 15, 2007 9:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in Northern New York Chapter?
Replies: 6
Views: 4039

New New York Chapter?

Hi Tim: Is it ok to post a request of this nature in this section? And if so, are there any forum members, guests, etc., interested in meeting in Syracuse? It sure is. That's exactly what this forum was set up for. If you're willing to be the coordinator (looks like you are) and you get five or more...
by Mel Lindauer
Thu Mar 15, 2007 8:30 am
Forum: Local Chapters and Bogleheads Community
Topic: minnesota diehards... mar-31 mtg minutes, link to pictures
Replies: 9
Views: 6120

Local Chapters Forum

Hi Chuck: This new forum was set up so you could do exactly what you're doing; make meeting and/or Chapter announcements and chat with your members. Your members can all post their discussions right here on your announcement post. Unless it's something private, you don't even have to bother with PMi...
by Mel Lindauer
Thu Mar 15, 2007 1:01 am
Forum: Forum Issues and Administration
Topic: New Diehards Local Chapters Forum
Replies: 8
Views: 4043

Diehards Local Chapters Forum

Hi Ave: For now, everyone will post there. I've asked everyone who starts a post to include the name of the Local Chapter in the title of the post, so folks know which Local Chapter that particular post pertains to. Then, all responses from, and discussions with, that Chapter's members can be on tha...
by Mel Lindauer
Wed Mar 14, 2007 9:27 pm
Forum: Forum Issues and Administration
Topic: New Diehards Local Chapters Forum
Replies: 8
Views: 4043

Re: New Diehards Local Chapters Forum

wahoo! thanks for the new forum, mel, et. al. altho i've got to take you at your word, being as i don't yet see this new 5th forum. this will be really great for local chapters. and should drive up attendance at all local chapter meetings due to the ease of finding the info... i assume we'll have s...
by Mel Lindauer
Wed Mar 14, 2007 8:58 pm
Forum: Forum Issues and Administration
Topic: New Diehards Local Chapters Forum
Replies: 8
Views: 4043

New Diehards Local Chapters Forum

Hello Everyone:

You may have noticed that there is a new forum here http://www.diehards.org/forum/viewforum.php?f=9 for the Diehards Local Chapters. Feel free to visit.

Best regards to all,

Mel
by Mel Lindauer
Wed Mar 14, 2007 8:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Local Chapters - General Info and Chapter List
Replies: 1
Views: 54900

Bogleheads Local Chapters - General Info and Chapter List

Hi Current and Potential Bogleheads Local Chapter Members: This subforum is for all of your Local Chapter's current meeting notices, and your exchanges about where to meet, dates, etc. For clarity's sake, please make sure the title of your post includes the name of the Local Chapter, so those who ar...
by Mel Lindauer
Wed Mar 14, 2007 8:42 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Common Sense Investing (Book Review)
Replies: 5
Views: 1939

Jack's new book

Hi John:

I noticed earlier today that Jack's new book was ranked an astounding #83 at Amazon.com. Did you happen to post your book review there? If not, I think you should; I know Jack would appreciate it.

Regards,

Mel
by Mel Lindauer
Wed Mar 14, 2007 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: What To Do With A $300,000 Gross Income? Please Help.
Replies: 36
Views: 16847

CC Debt

One other question. We have about $13,000 in credit card debt right now (at 0% until May). Should we pay that off before allocating money to my student loans? FWIW, I'd get rid of it now, since May will be here before you know it, and you never know what's liable to happen between now and then. Reg...
by Mel Lindauer
Wed Mar 14, 2007 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: I'm probably asking this too soon in my study....
Replies: 30
Views: 15148

We hope you still have a "calming effect" at the end. Wink Wink Holy cow, what's in store at the end?! A big ol' Hollywood blockbuster finish with a twist, and nothing is what it seems? Oh, I can feel the tension creeping back in....... lokar Thanks, really, for everyone's responses, I'll try to ma...
by Mel Lindauer
Wed Mar 14, 2007 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: DC Boglebaby seeking feedback from the grownups
Replies: 5
Views: 2294

Reply to DC Boglebaby

Hi dcbhoy: Laura has done her usual excellent job, so I'll just add some thoughts. First, I noticed that you said your employer paid most of the costs of your 401k, but you didn't say (at least I didn't see it) where you and/or your wife has a company match. If so, that helps to make up for some of ...
by Mel Lindauer
Wed Mar 14, 2007 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: M*'s Unmoderated Forums
Replies: 9
Views: 6226

Re: No Feud

But we can, and we should... for the eventual health of this forum. You gotta know that this forum is going draw members primarily from the M* forums. Their health is related to our health. And we can learn from M*'s mistakes. What did they do wrong? What are they doing wrong. And what can this for...
by Mel Lindauer
Wed Mar 14, 2007 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA jam
Replies: 7
Views: 3550

Roth IRA Transfer

Hi d45193: As others have correctly pointed out, you can do a Roth to Roth conversion from one custodian to another. The primary thing to keep in mind is that you'll avoid lots of potential problems if you go the custodian-to-custodian transfer route. First, you'd probably want to convert your Fidel...
by Mel Lindauer
Wed Mar 14, 2007 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Congressional Hearings on 401k Plans
Replies: 4
Views: 2829

Congressional Hearings on 401k Plans

Hello Everyone:

Here's an update from InvestmentNews on the Congressional hearings on 401k Plan fund selection, fee disclosure and fiduciary responsibility.

http://www.investmentnews.com/apps/pbcs ... sueAlert01

Regards,

Mel
by Mel Lindauer
Tue Mar 13, 2007 9:41 pm
Forum: Forum Issues and Administration
Topic: New feature? Out of town notice?
Replies: 2
Views: 2455

Re: New feature? Out of town notice?

Do more modern forums like this have any typical method for notifying when one will be away for several days to alert people who might be waiting for a reply? One could create a new post but that seems awfully ostentatious and unnecessary for those of us who don't matter that much. ;) - Al BTW: I'm...
by Mel Lindauer
Mon Mar 12, 2007 11:00 pm
Forum: Forum Issues and Administration
Topic: THANK YOU Larry Auton, Alex Frakt, Phoenix...
Replies: 21
Views: 10997

New diehards.org split format

I couldn't agree more!

Regards,

Mel
by Mel Lindauer
Mon Mar 12, 2007 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: estate planning
Replies: 20
Views: 9840

Re: Book Recommendation

I learned a lot by reading Planning your Estate from the Nolo series. They also have something on a Living Trust. You can find them at http://www.nolo.com/ . Laura I second Laura's recommendation for this fine book. You need to have solid information before you see an attorney, and this book gives ...
by Mel Lindauer
Mon Mar 12, 2007 9:18 pm
Forum: Wiki and Reference Library
Topic: Suggestions for the Librarians
Replies: 255
Views: 200790

Addition to the Library?

Hi Barry and gbs:

Simba made a post here http://www.diehards.org/forum/viewtopic.php?t=691 that probably should be included in the Library under "Diehards History", if you agree.

Best regards,

Mel
by Mel Lindauer
Mon Mar 12, 2007 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Diehard reunions highlights/reports/pictures
Replies: 10
Views: 6321

Diehards Events History

Hi simba: WOW! What a fantastic job you've done in compiling this history into one place. Reading some of those posts from the earlier days brings back such fond memories. As the events get larger and larger, it gets more and more difficult to spend time talking to everyone one-on-one, which is what...
by Mel Lindauer
Mon Mar 12, 2007 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: WooHoo! Gummy's here!
Replies: 4
Views: 2909

Gummy's Here

Hi Gummy:

A hearty welcome! Hope you'll make yourself right at home here whenever you find time. Even though many of us don't understand your math, we certainly do enjoy your presentation and discussions, which actually make math seem like fun.

Best regards,

Mel
by Mel Lindauer
Mon Mar 12, 2007 4:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Can NY/NJ/CT metro chapter set up our own forum here?
Replies: 5
Views: 3655

Diehards Local Chapters Forum?

Hi Ave: Let's see whether the Administrators think it's a good idea to have a separate "Diehards Local Chapter Forum" listing or not. Under that major listing, each Chapter could have a separate sub-listing, with the Chapter # and Location as the main sub-title under "Diehards Local Chapters". All o...
by Mel Lindauer
Mon Mar 12, 2007 10:23 am
Forum: Forum Issues and Administration
Topic: NEED A NUMBERING SYSTEM
Replies: 66
Views: 37564

Moderator Note

Let's all hold the sniping down. Keep the tone civil, please.

Regards,

Mel
by Mel Lindauer
Sun Mar 11, 2007 11:56 pm
Forum: Forum Issues and Administration
Topic: Copyright issues on diehardsforum
Replies: 6
Views: 3740

I prefer this one. http://creativecommons.org/licenses/by-nc-sa/3.0/ It would not allow anyone a right to compile or otherwise re-use the work submitted here for commercial purposes. Somebody who wanted to produce a book by grabbing posts here would thus have to ask the individual post authors for ...
by Mel Lindauer
Sun Mar 11, 2007 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to Vanguard Lifetime Income Program annuity
Replies: 2
Views: 1897

Vanguard Annuity News

Thanks for sharing those interesting finds, Patrick.

Regards,

Mel
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: 3253

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: 35622

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: 3253

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: 4923

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....