Search found 12845 matches

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: 2464

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: 6826

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: 17156

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: 4332

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: 4332

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: 5945

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: 17156

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: 4332

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: 6570

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: 6570

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: 6570

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: 16258

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: 6570

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: 6570

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: 2427

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: 6133

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: 16258

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: 17156

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: 6133

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: 19203

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: 15431

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...
by Mel Lindauer
Mon Feb 26, 2007 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rick Ferri has arrived!
Replies: 29
Views: 15431

Reply to CyberBob's Post

P.S. Hey Phoenix, since Rick Ferri is the author of one of the Diehards often-quoted books, his 'Newbie' designation just ain't right. Shouldn't he be an 'Apostle' too?
I agree.

Regards,

Mel
by Mel Lindauer
Mon Feb 26, 2007 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Rick Ferri has arrived!
Replies: 29
Views: 15431

Hi Bill: I downloaded it and now there is a spell checker in my tools menu, and it works! Thanks for that info. I'm normally leary about downloading things from the Internet, but since you said it's OK, I just installed it. Best regards, Mel PS - I'll be in your neck of the woods next month, so hope...
by Mel Lindauer
Mon Feb 26, 2007 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rick Ferri has arrived!
Replies: 29
Views: 15431

Rick Ferri

Hi Rick: Welcome to the forum. Loads of great features, but spell check isn't one of them. Perhaps it might be added at some point in time. However, one of the really neat features of this forum software is the ability to edit your own posts. So, if you see a glaring error in one of your posts, you ...
by Mel Lindauer
Mon Feb 26, 2007 2:08 pm
Forum: Forum Issues and Administration
Topic: An announcement to the forum's membership
Replies: 26
Views: 19203

Hi Guys: I'm so pleased to hear that Phoenix will be staying on as an administrator/moderator. I was going to suggest that, but I thought perhaps he didn't want to be bothered with it on an ongoing basis. Personally, I like his style and the way he heads off potential problems at the pass. He seems ...
by Mel Lindauer
Sun Feb 25, 2007 5:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: any interest in new forum? local chapters & DH mtgs
Replies: 9
Views: 6133

Re: any interest in new forum? local chapters & DH mtgs

Hi Chuck: seems like there could be a new top level forum called "local chapters / DH mtgs / maps" that could be the spot for all local chapter organizers to plan meetings, advertise for new members, and post meeting minutes. then, for newbies just hitting the home page, they can quickly find a chap...
by Mel Lindauer
Sun Feb 25, 2007 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Kids and Taxes
Replies: 7
Views: 3549

Hi Again JP: Mel, the Coverdell ESA sounds good. Because my taxes are zero or barely above zero now, I'm all for contributing to after-tax tax-free accounts. I need to check on my eligibility though. On a quick reading about the Coverdell plan, I saw mention of the fact that, unless the current rule...
by Mel Lindauer
Sun Feb 25, 2007 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal from MM
Replies: 3
Views: 2723

Hi JD: Is this withdrawal from your taxable MM? If so, there are no tax consequenses, since this is after-tax money. You will, however, pay taxes each year on the interest you've earned on the MM, whether you withdraw it or reinvest it. If the withdrawal is from your Traditional IRA MM, then it is a...
by Mel Lindauer
Sat Feb 24, 2007 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Richmond, VA area Diehards?
Replies: 39
Views: 13640

Hi Guys: Not sure if the Hampton Roads area is close to you. but there is a Diehards Local Chapter there. Here's a map showing the 21 local chapters and the contact information for each. http://www.lostsprings.com/diehards/chapters/ Even if it's not in your area, if you get five or more Diehards who...
by Mel Lindauer
Sat Feb 24, 2007 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Kids and Taxes
Replies: 7
Views: 3549

Hi JP: If you plan to return to the US for your children's education, you might consider a Coverdell Education Savings Account (ESA) for your first $2000 annual contribution. It's much more flexible than most education funding choices, and can be used tax-free for a wide range of educational expense...
by Mel Lindauer
Sat Feb 24, 2007 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio recommendation
Replies: 12
Views: 5123

Hi O: 1) What level of asset allocation makes sense given my situation? One rule of thumb I try to use when I'm talking to investors is to take 50% of your equity allocation and ask yourself if you'd have problems "staying the course" if you lost that dollar amount. For example, if your portfolio is...
by Mel Lindauer
Fri Feb 23, 2007 5:30 pm
Forum: Forum Issues and Administration
Topic: Confusion Over Duplicate or Similar Member Names?
Replies: 9
Views: 4341

Hi RM: Once nice thing about this setup is that your information to the left of the post has a visual cue to also identify who you are - plus other information that will differentiate you from the other Mel. I agree that the Avatar and the added information next to the post should help. That's just ...
by Mel Lindauer
Fri Feb 23, 2007 4:46 pm
Forum: Forum Issues and Administration
Topic: Confusion Over Duplicate or Similar Member Names?
Replies: 9
Views: 4341

Confusion Over Duplicate or Similar Member Names?

Hello Phoenix and Everyone: How do we handle the possible confusion caused by folks using the same (or similar) names? I noticed that someone signed up as "Mel" at Member #256. While it may well be someone named "Mel", will there be confusion over who's post it is when it's signed by my usual "Mel"?...
by Mel Lindauer
Fri Feb 23, 2007 4:18 pm
Forum: Forum Issues and Administration
Topic: Should this be the new diehards.org?
Replies: 23
Views: 11630

Note to Alex and Phoenix

Hi Alex: It's good to see that you and Phoenix are getting together to discuss some of the available options are as we attempt to find a solution that works for everyone. Hi Phoenix: Thanks for all you've done and your sincere spirit of cooperation. It's much appreciated by this Diehard, and others ...
by Mel Lindauer
Fri Feb 23, 2007 8:07 am
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 17672

Hi Altaloss: Is there any concern about non-diversification? If you turn over your entire nest egg to Vanguard for an annuity (backed by an insurance company) is there a possibility of non-payment? You betcha, and that's one of the risks with a fixed or immediate annuity, since the investment is co-...
by Mel Lindauer
Thu Feb 22, 2007 9:55 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 17672

Hi Again: Ah, then maybe I'm just looking at it from a minority viewpoint since I'm single and don't have any dependents. If that's the case, then an immediate annuity for part of your investments might make sense. Others have listed several reasons why you might not want to annuitize all of your in...
by Mel Lindauer
Thu Feb 22, 2007 8:38 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 17672

Hi Bob: So why take the 4% portfolio withdrawals when you can get 6% with a Vanguard immediate annuity? You stated what is probably the primry reason when you talked about leaving an inheritance. As you know, once you annuitize and then die, unless you purchased a joint survivor or term certain annu...
by Mel Lindauer
Thu Feb 22, 2007 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: variable annuity help
Replies: 16
Views: 7061

Hi Again Lilly: It sounds like they'd charge you a closing fee of $35 if you make the 1035 transfer. That's dirt cheap compared to the lower costs you'd pay at Vanguard. And, as Barry (and others) explained, your policy guarantee is not "in the money" since your current value is what you'd receive. ...
by Mel Lindauer
Wed Feb 21, 2007 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: variable annuity help
Replies: 16
Views: 7061

Re: variable annuity help

Hi Lilly: My question is: Can I and should I move my annuity to Vanguard or should I leave it with American? Since you've had the annuity for a long time, chances are there are no surrender fees, but you'd want to check to be sure. You'd most likely benefit from lower ongoing expenses if you did a 1...
by Mel Lindauer
Wed Feb 21, 2007 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account - Intl Index Funds or TSM
Replies: 20
Views: 10274

Hi MMG:

Another option you might want to consider for your taxable account would be Vanguard's Tax-Managed International, assuming you can meet the $10,000 minimum.

Regards,

Mel
by Mel Lindauer
Tue Feb 20, 2007 7:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle's New Book?
Replies: 20
Views: 10521

Re: Little Books Trend

It seems that Little Books may be a new wave in publishing. Even the cover designs are almost identical. The Little Book That Beats the Market The Little Book of Value Investing The Little Book of Common Sense Investing And, of course, Dan Solin's lovely 3-fund tome The Smartest Investment Book You...
by Mel Lindauer
Tue Feb 20, 2007 7:59 am
Forum: Investing - Theory, News & General
Topic: Bogle's New Book?
Replies: 20
Views: 10521

tfb, thank you for the table of contents. Mel, I am happy this book is coming out. I read some of "Common Sense on Mutual Funds" in the library and felt a bit overwhelmed. This book looks like it is meant to be more concise. Is my assumption accurate? Hi Onleaf: I'm not privy to an advanced copy ye...
by Mel Lindauer
Tue Feb 20, 2007 12:18 am
Forum: Investing - Theory, News & General
Topic: Bogle's New Book?
Replies: 20
Views: 10521

Jack seems genuinely excited about this, his latest book. Based on his enthusiasm and the early amazon.com sales rankings, it looks like it will be another winner.

Regards,
by Mel Lindauer
Tue Feb 20, 2007 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Updated Vanguard Tax Forms
Replies: 8
Views: 6193

Vanguard Message

Hi Andy:

Anybody get a similar message? Or am I missing something?

Yes, I got the same message, and, like you, I had already received the paper versions.

Regards,

Mel
by Mel Lindauer
Mon Feb 19, 2007 8:56 pm
Forum: Forum Issues and Administration
Topic: Nice forum
Replies: 12
Views: 7494

Hi Folks:

Not sure who set this up, but it's certainly a welcome haven from the infestation that the M* forum is currently suffering from.

Good luck to us all!