Recent posts by Ellen Rinaldi

Ellen Rinaldi has held a variety of leadership positions since joining Vanguard in 1997. At present, she serves in our Planning and Development division, where she is responsible for protecting client information, among other key responsibilities.



Turning thought into action

By Ellen Rinaldi on March 18, 2010 12:11 pm

I had the chance to listen to Dan Heath recently. He’s the coauthor, with his brother Chip, of Switch, a new book about making changes. I’d read their last book, Made to Stick, and thought their conclusions were valuable, so I was looking forward to Dan’s talk.

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Is saving really saving?

By Ellen Rinaldi on March 2, 2010 9:09 am

I’ve been watching the U.S. consumer savings rate climb. It’s been heartening to witness the ascent past 5% on its way to perhaps 7%. Any way you look at it, this is a welcome—if not critical—change in our financial/economic behavior.

I started digging into how this rate is computed and asked a few of our resident economists for some explanation. As a result, I don’t feel quite as good about the savings rate as I did, but I understand the basis for it much better.

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Putting your mortgage in reverse

By Ellen Rinaldi on February 16, 2010 9:58 am

I occasionally participate in webcasts, taking questions from Vanguard investors on various financial topics. Almost invariably, someone asks about reverse mortgages. Should they or shouldn’t they? How do they work? And are they legitimate?

Last question first: Yes, reverse mortgages are legitimate, and they seem to be gaining in popularity. But it’s clear that as with any financial decision, opting for a reverse mortgage requires some homework. You will want to understand not only the provisions and payment stream but also the upfront and continuing costs.

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The art of the perfect password

By Ellen Rinaldi on February 4, 2010 11:53 am

Anytime I forget something, I rationalize that what I’m really doing is clearing out space to allow new information to be stored in my brain. It’s a bit like cleaning off my desk or deleting cookies from my computer.

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The estate tax is dead … or is it?

By Ellen Rinaldi on January 20, 2010 8:55 am

The federal tax on transfers of wealth from estates has been with us since the passage of the Revenue Act of 1916, although there were similar temporary levies around the time of the Spanish-American War. This tax came to an end, albeit temporarily, on December 31, 2009.

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