Search found 78 matches

by Jack Cook
Thu Mar 25, 2010 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: The Calculus of the Big Two: Housing Edition
Replies: 21
Views: 3049

I will retire next year and paid off the house this year. Over the years my wife and I have had both 30 and 15 year mortgages. We were never "house poor", meaning we were never paying so much for a house that we could not fund other important things. Live soft and Texastech hit the nail on...
by Jack Cook
Thu Mar 25, 2010 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: The Calculus of the Big Two: Housing Edition
Replies: 21
Views: 3049

I will retire next year and paid off the house this year. Over the years my wife and I have had both 30 and 15 year mortgages. We were never "house poor", meaning we were never paying so much for a house that we could not fund other important things. Live soft and Texastech hit the nail on...
by Jack Cook
Thu Mar 25, 2010 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Bill for Retirees??
Replies: 5
Views: 1707

MPT,
Here is a series of articles on Moneywatch about the bill. The top article on winners and losers may help. http://moneywatch.bnet.com/search/?q=Health+

Jack
by Jack Cook
Fri Mar 12, 2010 12:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Video On Efficient Markets
Replies: 35
Views: 5607

Mel, Thanks for the post. I had not visited the Buckingham Investments site before. I was surprised to see that they will advise individual investors. I read as many of Larry's posts and blogs as I can find and I have never seen or heard him tout his company for individual investors. I'll continue t...
by Jack Cook
Mon Mar 08, 2010 1:25 pm
Forum: Investing - Theory, News & General
Topic: Larry's new and "The Only" guide
Replies: 40
Views: 9483

I am sure that most here have the address for Larry's Moneywatch blog, but for those that do not here it is; http://moneywatch.bnet.com/investing/blog/wise-investing/?tag=content;col Next to this forum I think the Moneywatch blog is the best financial site that I regularly read. The index that Victo...
by Jack Cook
Wed Mar 03, 2010 1:01 pm
Forum: Investing - Theory, News & General
Topic: Clever Interactive Charts from Vanguard
Replies: 5
Views: 1366

Paul, thanks for the post. Interesting and informative.

Jack
by Jack Cook
Fri Jan 22, 2010 3:00 pm
Forum: Personal Investments
Topic: BrightScope 401k Fee Report
Replies: 0
Views: 480

BrightScope 401k Fee Report

I ran accross this article by Carla Fried on Moneywatch in which she provides a link to the above; http://moneywatch.bnet.com/retirement-planning/blog/retirement-beat/401k-fees-check-out-yours-now-for-free/308/?tag=col1;blog-river "Congress and Corporate America have dithered and stalled for ye...
by Jack Cook
Wed Oct 28, 2009 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Windows 7
Replies: 87
Views: 14367

Dude 2 and Spring Man, Thanks for your replies.

Jack
by Jack Cook
Mon Oct 26, 2009 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Windows 7
Replies: 87
Views: 14367

Spring Man, how did you find out about the upgrade disc? I also bought a machine with Vista and a "free upgrade", but I haven't heard or seen how to obtain it from Dell.
Thanks, Jack
by Jack Cook
Tue Dec 02, 2008 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: The case for marriage (financial and otherwise)?
Replies: 99
Views: 15589

According to this study (http://money.cnn.com/2006/01/18/pf/marriage_wealth/ ) the single greatest predictor of wealth is getting married and staying married. On the down side, if you get married and then divorce it decreases net worth by about 2/3.

Jack
by Jack Cook
Fri Nov 07, 2008 11:24 am
Forum: Investing - Theory, News & General
Topic: Do CDs or Bond Funds do better on average long term?
Replies: 31
Views: 6500

This is a great discussion, Thanks guys.
by Jack Cook
Tue Nov 04, 2008 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Drop uninsured motorist policy on Auto Insurance?
Replies: 58
Views: 16712

I would advise against dropping the UM coverage. Here in Florida the roads are full of uninsured motorists. If someone is irresponsible enough not to carry any liability coverage I am concerned about their ability to be responsible in general and particulary while dirving a car. I have always looked...
by Jack Cook
Tue Oct 21, 2008 11:48 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Feature Story in Philly Inquirer
Replies: 15
Views: 4576

Mel, just wanted to add my "thank you" for posting the link. And Jack, if you read this thread, "thank you" for your life. It has enriched many of us both financially and personally.

From a lesser Jack
by Jack Cook
Wed Oct 08, 2008 2:45 pm
Forum: Investing - Theory, News & General
Topic: DIEHARDS VII REUNION NOTES ARE READY
Replies: 21
Views: 5413

Thanks to all of the authors and especially Victoria. I have not attended a Diehard's Reunion but hope to do so in the future. I ALWAYS look forward to the notes and they have never disappointed. This year was no exception.
Thanks again, Jack
by Jack Cook
Thu Oct 02, 2008 10:21 am
Forum: Personal Investments
Topic: Newbie asks Financial adviser about index funds
Replies: 74
Views: 15554

Hi Topper, great advice so far from guys a lot smater than me. But I would add the following to your reading list; http://investingessentials.blogspot.com/ It is Paul Keck's on line invesment guide, Paul has replied to your original post as "pkcrafter". I guess he is just to modest to refe...
by Jack Cook
Wed Oct 01, 2008 1:10 pm
Forum: Personal Consumer Issues
Topic: Investing book you would give your young adult child?
Replies: 33
Views: 6441

I voted for "Random Walk" it is very readable, and I like the fact that in each new addition Malkiel addresses all of the arguments, both new and old, that have been asserted against indexing.
by Jack Cook
Wed Sep 24, 2008 8:11 am
Forum: Personal Consumer Issues
Topic: articles by economists on the crisis and bailout
Replies: 2
Views: 1458

Sewall, thanks for the link. The site has interesting articles on a host of topics including Social Security and private accounts. It seems to have a progressive bent but appears to cover both sides of issues.

Jack
by Jack Cook
Tue Sep 16, 2008 8:30 am
Forum: Investing - Theory, News & General
Topic: Lehman and Neuberger Berman
Replies: 4
Views: 1520

If anyone else is interested in Lehman and Neuberger Berman here is an article by Christine Benz of M* on the subject.
http://news.morningstar.com/articlenet/ ... =hparticle
by Jack Cook
Mon Sep 15, 2008 12:33 pm
Forum: Investing - Theory, News & General
Topic: Lehman and Neuberger Berman
Replies: 4
Views: 1520

tfb and valuethinker, thanks. I thought that would be the case, but wasn't sure.
by Jack Cook
Mon Sep 15, 2008 10:07 am
Forum: Investing - Theory, News & General
Topic: Lehman and Neuberger Berman
Replies: 4
Views: 1520

Lehman and Neuberger Berman

I just picked up that Neuberger Berman is part of Lehman. What if any is the likely affect of Lehman's bankruptcy on holders of Neuberger Berman Funds?
by Jack Cook
Fri Aug 01, 2008 12:43 pm
Forum: Personal Consumer Issues
Topic: OT: Joke thread!
Replies: 183
Views: 58111

Best told with an Irish brogue for the leprichaun. An American was on a golfing holiday in Ireland and hit his first tee shot far off into the rough. When he found his ball, beside it lay a leprichaun with the ball's imprint on his forehead. Concerned, the American began gently shaking the leprichau...
by Jack Cook
Thu Jul 31, 2008 1:45 pm
Forum: Personal Investments
Topic: Treating my FRS Subaccount separately / Disability Insurance
Replies: 1
Views: 735

Hi euro, I vote for keeping the FRS and treating it as part of your overall asset allocation. I have and FRS DROP account and will probably roll everything I can into it when I finish DROP. As you mentioned you can't beat the costs and their index funds are all 10 out of 10 rated by Financial Engine...
by Jack Cook
Tue Jul 29, 2008 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Financial Ruin in Retirement
Replies: 13
Views: 3460

Here is an article that expands on the link in the original post: http://www.marketwatch.com/news/story/new-way-look-saving-spending/story.aspx?guid=%7B3A25E72D-AFFC-4B0B-92CA-3FE9CA668527%7D&print=true&dist=printMidSection If you are interested in more detail, click on the link provided in ...
by Jack Cook
Sat Jun 07, 2008 10:53 am
Forum: Investing - Theory, News & General
Topic: pkcrafter wonderful blog
Replies: 6
Views: 1971

pkcrafter wonderful blog

Paul, I just wanted to compliment you on your blog. What a wonderful resource for the new investor or the person finally planning for retirement. I just posted it on the Motley Fool Rule Your Retirement forum, with the comment that "every now and then you run across something that contradicts t...
by Jack Cook
Fri May 30, 2008 11:44 am
Forum: Investing - Theory, News & General
Topic: Many advisor clients do not know the TOTAL cost of services
Replies: 23
Views: 5607

An interesting topic. Today I reviewed the annual accounting of a guardianship in preparation for an unrelated court hearing. I saw that the account was maintained at Wachovia Securities and was full of individual stocks and bonds. A the hearing I asked the parent-guardians, "who was managing t...
by Jack Cook
Wed May 14, 2008 3:44 pm
Forum: Personal Investments
Topic: give the gift of a Roth?
Replies: 2
Views: 1305

Zookeeper,

If you use Vanguard you can just down load the form to open a new account, open it in their name and send in the money. Of course you should check with you siblings first to make sure they have not made their own contributions for the year.

Jack
by Jack Cook
Wed Apr 23, 2008 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to fund the Wedding
Replies: 50
Views: 11680

I can't believe all of the discussion my little question engendered, but thanks to all for replying. For those worried that DW and I are about to bury ourselves under a mountain of never ending debt, relax, any debt we incurr, and there may not be any, will be paid off with earnings within a couple ...
by Jack Cook
Mon Apr 21, 2008 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund the Wedding
Replies: 50
Views: 11680

UK and Emergdoc, DD is not a spend thrift, so I am not concerned that the cost will be outlandish. I guess I look at this a little differently than many on the board. I look on the wedding question as a life style choice. I fully agree that one should not place their present or future finances at ri...
by Jack Cook
Sun Apr 20, 2008 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund the Wedding
Replies: 50
Views: 11680

Thanks to those who responded since my last post. Jazztonight, I thought your response was particularly helpful.

Jack
by Jack Cook
Sat Apr 19, 2008 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How to fund the Wedding
Replies: 50
Views: 11680

Thanks for all of your replies. Retirement is not a problem as our income will meet or exceed the current levels, without reference to retirement savings, and our expenses are relatively modest. I understand the concern about over spending on weddings. But, we live modestly, give to charity and deri...
by Jack Cook
Fri Apr 18, 2008 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund the Wedding
Replies: 50
Views: 11680

How to fund the Wedding

Hi all, A few weeks ago DW and I got the good news that DD is engaged and will be wed in November. The bad news is of course that DW and I now have a wedding to fund. I know many on the forum don't see the utility of a large wedding, but DD wants a nice wedding and since she has brought an incredibl...
by Jack Cook
Tue Mar 11, 2008 11:55 am
Forum: Investing - Theory, News & General
Topic: Determining Earnings on Roth over contribution
Replies: 4
Views: 1430

To anyone who is mulling this over, I picked up the answer over on the Motley Fool RYR site. It is pretty basic, one of those things you slap forehead about. Since I know the amount of my over contribution I just need to do a little subtraction when I get the next account statement showing the amoun...
by Jack Cook
Tue Mar 11, 2008 11:22 am
Forum: Investing - Theory, News & General
Topic: Determining Earnings on Roth over contribution
Replies: 4
Views: 1430

Thanks LH2004, The problem is that I was doing a $500 contribution on pretty much a monthly basis. Thus your approach is complicated. Vanguard seemed to say that they would do the calcualtion.
by Jack Cook
Tue Mar 11, 2008 10:31 am
Forum: Investing - Theory, News & General
Topic: Determining Earnings on Roth over contribution
Replies: 4
Views: 1430

Determining Earnings on Roth over contribution

Hi all, I had an unexpected capital gain this year that put my income over the limit for a full Roth contribution. As a result I have to withdraw about 3k. I will be able to fully fund a Roth in 08 and have instructed Vanguard to withdraw the 3k and its earnings from my Roth and redeposit that amoun...
by Jack Cook
Mon Mar 03, 2008 12:59 pm
Forum: Personal Investments
Topic: Finding 1993 stock price
Replies: 4
Views: 3385

If there is anyone else out there with a similar quandry, I picked up this site on the Motley Fool tax board and it works great. http://moneycentral.msn.com/investor/charts/chartdl.aspx?PT=7&compsyms=&D4=1&DD=1&D5=0&DCS=2&MA0=0&MA1=0&CP=1&C5=7&C5D=19&C6=19...
by Jack Cook
Sat Mar 01, 2008 3:45 pm
Forum: Personal Investments
Topic: Finding 1993 stock price
Replies: 4
Views: 3385

Thanks Duckie and rrwoods. I have the sticker. It did split in 96 so my 50 shares became 200, but since I didn't reinvest dividendsI think my basis will remain what I paid for the 50 shares. It also spun off Park Place on 12 31 97 and I have the apportionment letter.
Thanks again, Jack
by Jack Cook
Sat Mar 01, 2008 2:14 pm
Forum: Personal Investments
Topic: Finding 1993 stock price
Replies: 4
Views: 3385

Finding 1993 stock price

Hi all, I was fortunate this year to have some Hilton Common Stock that was the subject of a buyout. That is the good news. The bad news is that I bought it on July 19, 1993, and don't have the records showing my basis. Does anyone know a web site where I can find the price of Hilton stock in 1993? ...
by Jack Cook
Tue Feb 19, 2008 12:46 pm
Forum: Forum Issues and Administration
Topic: Bogleheads Forum's First Birthday - Feb. 19th
Replies: 44
Views: 13379

Happy Birthday all! Money magazine sure hit the nail on the head. I can't believe this forum is only a year old. It seems like I have been lurking, reading and doing a little posting for more time than that. To Mel, Taylor, Laura, Barry, Larry, Rick, Valuethinker, and all of the other great posters,...
by Jack Cook
Mon Feb 11, 2008 9:45 am
Forum: Personal Finance (Not Investing)
Topic: prenuptial agreements
Replies: 65
Views: 17297

DaveS gave a pretty good outline of the reasons for a prenupt and areas to be careful about. I'll add 1) use a lawyer for each party, home grown prenupts almost never accomplish what they are intended to accomplish; 2) do a COMPLETE financial disclosure; 3) make it fair to both sides 4) do the prenu...
by Jack Cook
Fri Feb 08, 2008 10:38 am
Forum: Investing - Theory, News & General
Topic: Inefficient mid-grade gas pricing?
Replies: 29
Views: 5885

This has been an interesting discussion, I didn't know I could make my own blend. I just bought a Honda s2000 that says to use 91 octane. This is the first car I have owned that didn't run on regular. So thanks to you guys I may just start blending the regular and hi test to get closer to 91 octane ...
by Jack Cook
Thu Jan 10, 2008 1:28 pm
Forum: Investing - Theory, News & General
Topic: Global bonds
Replies: 14
Views: 2597

Hi mccart 777, This site has an article by Larry Swedroe re Emerging market bonds; http://squireinvestment.com/bam_o_grams.htm Scroll down to April 1, 2003 to find the article. I tried to copy a portion of it to post here, but it is protected and I was unable to do so. In essence Larry confirms Valu...
by Jack Cook
Mon Jan 07, 2008 2:25 pm
Forum: Investing - Theory, News & General
Topic: HUGE stash of articles by Larry Swedroe
Replies: 8
Views: 2773

gbs, Thanks for this post. Over the time I have been using this board Larry's thoughts and advice have always seemed well researched and thought out. Although I appreciate and enjoy the counterpoints from others, generally I find myself leaning Larry's way. This is a great collection of his articles...
by Jack Cook
Wed Dec 26, 2007 1:24 pm
Forum: Forum Issues and Administration
Topic: How to easily find a post
Replies: 15
Views: 5861

Hi Barryhanna, I tried to find the conversation where I picked up this tip but was unable to do so. But I printed it at the time and is works great. "To limit the search to M* site using Google,enter; 'site:socialize.morningstar.com', followed by the keywords you wish to search for. If you want...
by Jack Cook
Tue Dec 18, 2007 12:40 pm
Forum: Personal Investments
Topic: Physican's Guide to Investing
Replies: 9
Views: 3061

bcboy, you just provided me with another Christmas gift for DD physician. I send her stuff from this forum but there is nothing like a good book. Now to get her to read it. I'll copy the reviews and endorsements from the web site and enclose them with the book.

Thanks, Jack
by Jack Cook
Sat Dec 15, 2007 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Taylor & Pat Explore the Amazon River
Replies: 30
Views: 7901

Taylor, sounds like a wonderful trip. Would you mind sharing the name of the curise and the organizer?

Thanks, Jack
by Jack Cook
Wed Dec 05, 2007 1:35 pm
Forum: Investing - Theory, News & General
Topic: Laissez-faire and the sub-prime
Replies: 27
Views: 4987

Countryboy, My take on your question is that eventually when everything falls out the subprime mess will support government regulation. This is a tricky area because one of the real strengths of our society is the ability of its members to innovate. To much regulation can stifle this. But the probel...
by Jack Cook
Tue Dec 04, 2007 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance Policy Question
Replies: 31
Views: 7705

Hi guys, tommy gun was right in part. The uninsured/underinsured benefit of the umbrella was a major consideration as I mentioned earlier. In my younger years I always had a disability policy but it sure wasn't sufficient to make up all of my lost income given a catastrophic accident. While those ev...
by Jack Cook
Tue Dec 04, 2007 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance Policy Question
Replies: 31
Views: 7705

Hi whitemiata (mine's dark blue) I think Iam still about right on the insurance. 30 years a go I had two small children and little savings. The kids are now of course on their own and my wife and I are close to retirement with a secure pension and retirement savings. So, I don't need as much persona...
by Jack Cook
Mon Dec 03, 2007 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance Policy Question
Replies: 31
Views: 7705

Hi Bert, I agree with the 1st two replies. In addition, depending on your state, an umbrella policy can also provide additonal uninsured and underinsured motorist coverage. Serious injuuries from an auto accident can really put you behind the eight ball and there are a bunch of people on the roads w...
by Jack Cook
Fri Nov 23, 2007 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Would you invest in coastal real estate?
Replies: 16
Views: 3625

Valuthinker, you seem to be up on this topic (and from what I have read, most others), I wonder if you know where this may have come from. A few weeks ago, buried on about the 6th page of the front section of the newspaper, I read that there was consensus among scientists who study the subject, that...