Search found 12903 matches

by Mel Lindauer
Thu Mar 08, 2007 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re avatar
Replies: 28
Views: 12420

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: 6811

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: 4589

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: 2808

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: 10187

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: 27887

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: 4379

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: 3598

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: 10187

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: 10187

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: 4471

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: 18916

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: 3019

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: 10187

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: 10187

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: 15189

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: 3402

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: 15189

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: 3402

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: 2011

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: 3686

Roth Conversion

Hi John:

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

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 9:00 am
Forum: Investing - Theory, News & General
Topic: The Ninth Wonder of the World (by Larry Swedroe)
Replies: 84
Views: 46413

Semantics

Hi Guys:

How 'bout we call it a draw and move on, since everyone is simply spinning their wheels.

Thanks, and best regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 8:29 am
Forum: Forum Issues and Administration
Topic: arrete...The moderator formerly known as Mod #2
Replies: 16
Views: 6944

Reply to av8tor

Hi av8tor:
Mel,

Do you know if "mlebuf" is coming over here?
Actually, Michael's been here for a while (he's member #158). He just hasn't posted, yet.

Regards,

Mel
by Mel Lindauer
Tue Mar 06, 2007 8:25 am
Forum: Forum Issues and Administration
Topic: arrete...The moderator formerly known as Mod #2
Replies: 16
Views: 6944

Good Morning Mel Of the day to day posters on the M board, what percentage of them have registered on the new board? Other than the fact that this forum currently has 921 registered members, I have no way of knowing, since we weren't privileged to the number of M* users and lurkers. Is M saying any...
by Mel Lindauer
Tue Mar 06, 2007 12:16 am
Forum: Forum Issues and Administration
Topic: arrete...The moderator formerly known as Mod #2
Replies: 16
Views: 6944

Hi Again Sandy:

The boat's big enough for at least 916 members (that's the current count). Looks like the forum will hit 1000 members sometime this week. The way things are going it looks like we're going to need an aircraft carrier size ship to handle everyone!

Best regards,

Mel
by Mel Lindauer
Mon Mar 05, 2007 11:56 pm
Forum: Forum Issues and Administration
Topic: arrete...The moderator formerly known as Mod #2
Replies: 16
Views: 6944

Reply to Sandy

Hi Sandy: If someone wanted to report an inappropriate post would they PM all the moderators? You can tell which moderator (if any) is online by looking at the bottom under "Who is Online". Moderators who are online will show up in green. Administrators who are online will show up in red. As Tashina...
by Mel Lindauer
Mon Mar 05, 2007 10:40 pm
Forum: Investing - Theory, News & General
Topic: Are Safe Withdrawal Plans Neglecting Spending Reality?
Replies: 34
Views: 15189

Reply to Nick

Hi Nick: I think you want to choose carefully where you grow old. While we don't get to pick and choose where we're born and grow up, we certainly can choose where we'll grow old. And, with 1,000 folks a day moving to Florida (many of them obviously seniors), folks are definitely voting with their f...
by Mel Lindauer
Mon Mar 05, 2007 9:07 pm
Forum: Investing - Theory, News & General
Topic: Are Safe Withdrawal Plans Neglecting Spending Reality?
Replies: 34
Views: 15189

More for mptfan

Hi Again mptfan: Obviously you see a whole different picture than I see. In fact, I tell many of the golfers I play with (some are in their 70s an a few are actually in their 80s) that they are my idols and I hope to be as active as they are when I reach their age. Taylor is 83 and still teaches sai...
by Mel Lindauer
Mon Mar 05, 2007 8:25 pm
Forum: Investing - Theory, News & General
Topic: Are Safe Withdrawal Plans Neglecting Spending Reality?
Replies: 34
Views: 15189

Reply to mptfan

Every person I have known over the age of 70 has generally been sedentary, and they usually stayed home and watched tv with the occasional trip to the bingo hall. I'm sure there are some exceptions to the rule, like that surfing octegenarian in that brokerage commercial, but I have yet to meet one....
by Mel Lindauer
Mon Mar 05, 2007 8:12 pm
Forum: Investing - Theory, News & General
Topic: Guaranteed Interest Account /5 Year
Replies: 4
Views: 3099

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: 18916

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: 4897

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: 4897

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: 18916

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: 5928

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: 9864

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: 3218

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: 1992

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: 3218

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: 25455

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: 9864

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: 25455

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: 2611

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: 4899

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: 9864

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: 6245

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: 6853

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: 4886

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: 8165

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: 4886

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

Best regards to all,

Mel