Search found 349 matches

by cudaman
Tue Jan 02, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11171

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2817.15 here and via link
by cudaman
Thu Jan 26, 2017 11:44 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 12948

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday Taylor! I wish you the very best in this new year and beyond.

Jerry
by cudaman
Mon Jan 02, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 6918

Re: Mortgage recast strategy - Feedback needed

That was my reason for the still unanswered question about how much prepayment was required as a lump sum (if any) from the OP in order to be allowed to recast. I believe the OP said he was dealing with Wells Fargo. I recently did a recast with Wells Fargo who stated in a letter to me that a minimu...
by cudaman
Mon Jan 02, 2017 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 6918

Re: Mortgage recast strategy - Feedback needed

That was my reason for the still unanswered question about how much prepayment was required as a lump sum (if any) from the OP in order to be allowed to recast. I believe the OP said he was dealing with Wells Fargo. I recently did a recast with Wells Fargo who stated in a letter to me that a minimu...
by cudaman
Wed Aug 10, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 52
Views: 8429

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

A question for the panel: Is it wise to apply the concept of mean reversion to currency risk associated with international equity investments, i.e., does currency risk provide the asset allocation strategy an additional advantage for "buying low and selling high" when maintaining international equit...
by cudaman
Mon Aug 01, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 6536

Re: Retaining wall on neighbor's property

Why not complete the wall as is, then gift it to your neighbor? Then his wall is on your property. :happy
by cudaman
Wed Jan 27, 2016 2:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 7357

Re: Happy Birthday Taylor!

A belated Happy Birthday Taylor. I wish you the best.

Jerry
by cudaman
Wed Jan 20, 2016 2:53 am
Forum: Investing - Help with Personal Investments
Topic: who is selling to day??
Replies: 34
Views: 4944

Re: who is selling to day??

Jerry55 wrote:Retired, no income nor investing...
Well that's just pathetic! No income and no fun with investing either. That's just too much.

Hello Jerry55. :happy

crs1
by cudaman
Sun Jan 10, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: I just lost $200,000 last week. Please help me.
Replies: 82
Views: 16650

Re: I just lost $200,000 last week. Please help me.

livesoft wrote:It may turn out that selling everything was the best thing to do, too. Stock markets could go down even more in the next few days and weeks.
True - As we speak the S&P futures are negative 15 points or so. Calm with deliberation is something to consider.
by cudaman
Sat Jul 25, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8181

Re: Budgeting For 2016 Medicare Part B Increase

Wow. Thank you Ron for the heads up. My spouse is one who is currently paying for Medicare Part B and not from SS (has not yet started SS). Seems if this comes to fruition, her Medicare rate may suffer a permanent increase. This is worth watching.

Thank you.
Jerry
by cudaman
Tue Jul 21, 2015 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 8392

Re: livesoft surpasses 40,000 posts!

Congrats livesoft - You helped me a bunch on tax loss harvesting. I appreciate still to this day.

Thanks,
Jerry
by cudaman
Thu Jul 16, 2015 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads carry thin wallets? What's in your wallet?
Replies: 34
Views: 3081

Re: Do Bogleheads carry thin wallets? What's in your wallet?

Unfortunately, I have a George Costanza wallet: http://www.bing.com/videos/search?q=george+costanza+wallet&FORM=VIRE2#view=detail&mid=BBB1C730ABDF13087B9BBBB1C730ABDF13087B9B So fat, it no longer goes in my back pants pocket. I carry it around with 2 rubber bands to hold it closed and it barely will...
by cudaman
Tue Jun 23, 2015 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 4535

Re: Happy Birthday to Mel [Lindauer]

Happy birthday Mel. I hope you had a great day!

Jerry
by cudaman
Sat Jun 06, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: Bear Market, Move from Stocks to Bonds?
Replies: 88
Views: 8872

Re: Bear Market, Move from Stocks to Bonds?

I'm not really trying to time the market, just looking at general trends. Is this not a logical plan? Hi - I don't believe it is logical. Emotional decisions can cost you dearly in returns over your investing timeframe. I recommend you settle on an asset allocation of stocks and bonds and stick wit...
by cudaman
Mon Apr 06, 2015 6:10 pm
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 5462

Re: anyone have experience with water softeners?

I recently bought a whole house water softener/particulate filters/plumbing from Culligan and I'm happy so far. 3,200 smackers. :) The house we recently bought is on well water & the appliance stains were a bunch of work to get clean (as in had to chip them off). I believe it was mostly from mangane...
by cudaman
Tue Feb 03, 2015 1:55 am
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 7354

Re: POLL: How Will You Complete Your 2014 Taxes?

I still do my returns using form instructions, calculator, draft pencil, followed by ink to paper. It ain't so bad and I pay nothing. :happy

Jerry
by cudaman
Mon Jan 19, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 14279

Re: The "Less Than" a Million $ Club

I'd like to hear stories like mine of retirees successfully living their lives without reaching the magic number of $1 million. Thanks. My wife and I are < $1 million and I am retired, she is not. I can't believe we are close given where we were 9 years ago (when married "late in life" : ) I spend ...
by cudaman
Sat Jan 10, 2015 7:18 pm
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table of Investment Returns 2014
Replies: 26
Views: 6185

Re: The Callan Periodic Table of Investment Returns 2014

Here's the closest I can get to the Callan table with the format I have. It's sorted high to low for 2003-2014. Before that, not all indexes existed. (sorry, you'll have to manually match the color to the asset class, but you get the idea) http://i1180.photobucket.com/albums/x410/dstp2/20-ASSETPERI...
by cudaman
Thu Jan 08, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table of Investment Returns 2014
Replies: 26
Views: 6185

Re: The Callan Periodic Table of Investment Returns 2014

The Callan Periodic Table of Investment Returns have been updated for 2014 and can be viewed at the following link: https://www.callan.com/research/files/989.pdf Thanks for the link. It definitely shows the value of diversification. Years ago, I located the same table including REIT. I wish I could...
by cudaman
Fri Nov 14, 2014 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 6324

Re: Why own International at all?

The long-term performance of the total international index is much lower than the total stock market index. Seems like all the risks without the returns. Thanks Buy international equity while it suffers. The AA strategy is on exhibit, even at US market highs. Currency risk helps present that opport...
by cudaman
Thu Jul 18, 2013 8:38 pm
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 22077

Re: [Sad news - Pat Larimore]

Taylor,

My sincere condolences, I am sorry to hear that.

My best to you and your family.

Jerry
by cudaman
Sat Jul 07, 2012 4:37 pm
Forum: Investing - Theory, News & General
Topic: Active Passive Bet Year 6: Active Winning
Replies: 155
Views: 17248

Re: Active Passive Bet Year 6: Active Winning

I am not saying any of these people have any negative qualities but: They all have conflicts of interest: Bogle based his career on index investing, if people did not believe in index investing he would be screwed. They all have books to sell. Some of political goals. They are all human. They all m...
by cudaman
Thu Jul 05, 2012 7:11 pm
Forum: Investing - Theory, News & General
Topic: Active Passive Bet Year 6: Active Winning
Replies: 155
Views: 17248

Re: Active Passive Bet Year 6: Active Winning

You are truly taking that sentence out of context. If you read the whole post, the post was meant to humorous -- even though Andy will truly never hear the end of it. As for trying to help others -- I tried to get Andy to but Windsor II, but he won't listen. Petro, I didn't mean to shake you, but y...
by cudaman
Thu Jul 05, 2012 6:09 pm
Forum: Investing - Theory, News & General
Topic: Active Passive Bet Year 6: Active Winning
Replies: 155
Views: 17248

Re: Active Passive Bet Year 6: Active Winning

Petrocelli wrote:Beating you in that bet will give me years of material. You will, literally, never hear the end of it.
This doesn't seem helpful to others here. It does feed your ego I guess. Good luck in your bet Petro, but I'm rooting for Andy. He has it right, win or lose. Sorry.

Jerry
by cudaman
Sun Jun 24, 2012 3:15 pm
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 106
Views: 20169

Re: Classic Car for Teen Driver(?)

Are there any Boglehead experts with advice about classic cars? My passion in life has been classic and muscle cars. I can't even describe what that interest has meant to me. I love it and it is all good. I've met some wonderful people with this hobby and have had a blast with it all. I remember th...
by cudaman
Mon Dec 26, 2011 8:49 pm
Forum: Personal Consumer Issues
Topic: bogleheads: why did you fall in love with your wife/GF
Replies: 38
Views: 3494

Re: bogleheads: why did you fall in love with your wife/GF

Toolbert wrote:To the best of my objective ability to tell, I was mature and grounded enough to be married by age ... 47.
I married for the 1st time at age 49. Hopefully I was mature and grounded enough. :)
by cudaman
Mon Dec 26, 2011 8:07 pm
Forum: Personal Consumer Issues
Topic: bogleheads: why did you fall in love with your wife/GF
Replies: 38
Views: 3494

Re: bogleheads: why did you fall in love with your wife/GF

I fell in love with my wife as she is everything I wish I would be. She is a wonderful person in character, in heart, and all things good. In the same vein, I happened to visit my mother and father this weekend. I was listening to my father speak about various subjects. I had to pause as he was talk...
by cudaman
Wed Nov 16, 2011 10:28 pm
Forum: Personal Consumer Issues
Topic: When To Change Tires On A Car
Replies: 29
Views: 4852

Re: When To Change Tires On A Car

Ten years ago, coin-operated air pumps started to come in. Now they are common, I find the price to be moderate--typically $0.75--they work, you can find them when you need them, and the built-in digital pressure controls are very accurate. Only if the dark cloud doesn't hover over you. On a 230 mi...
by cudaman
Tue Sep 20, 2011 7:30 pm
Forum: Investing - Theory, News & General
Topic: 'Indexing Extremists"
Replies: 134
Views: 11984

From what I can at the M* Bogleheads board, Mel's the reasoned pro-indexing voice. He can hardly be classified as an extremist. Perhaps that makes me the "extremist" Don was referring to, since I do defend indexing against the active hordes who invade the M* Bogleheads forum and badmouth indexing, ...
by cudaman
Sun Sep 18, 2011 10:06 pm
Forum: Personal Consumer Issues
Topic: Stripped Screws
Replies: 31
Views: 3437

If you strip the screw head going in, it should not be stripped in reverse mode. Take that drill, ram in into the screw head and reverse drill direction to remove. Replace screw with new. Given all the advice, this screw can't still be stuck in the wall, can it? These things are usually 2 minute agg...
by cudaman
Sat Aug 20, 2011 7:15 pm
Forum: Investing - Theory, News & General
Topic: Reuters/Fidelity on Staying the Course
Replies: 3
Views: 870

Re: Reuters/Fidelity on Staying the Course

I like the subtle (or accidental?) titling of the third group as 'investors' and the other groups as 'participants' ;) Noobvestor - You nailed it! The term "investor" is key. "Participants" could include market timers, performance chasers, weak hands who sold to strong hands, those who watch from t...
by cudaman
Fri Aug 19, 2011 9:16 pm
Forum: Investing - Theory, News & General
Topic: Why are market declines referred to as "sell-offs"
Replies: 18
Views: 2886

Re: Why are market declines referred to as "sell-offs&q

Since the sale of something by definition requires a buyer, why are market declines referred to as "sell-offs"? Couldn't they just as well be called "buy-offs"? I'm not being obtuse or snarky. I'm genuinely curious about the rationale behind this common usage. It grabs your attention moreso than "b...
by cudaman
Sat Aug 06, 2011 5:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's thoughts on S&P downgrade
Replies: 21
Views: 3277

Vanguard coming out on this is only for the purpose of holding onto the assets. it is a business. Anything said by an asset manager or financial advisor is self serving now. They are terrified people will leave, go to CDs only and there goes the business. So we should discount that advice and sell ...
by cudaman
Fri Apr 22, 2011 9:08 pm
Forum: Investing - Theory, News & General
Topic: Avoiding the Noise
Replies: 23
Views: 3285

Re: How the "quotes" started

I helped start the first Morningstar Vanguard Forum. No one knew who I was. Accordingly, I felt that my suggestions would carry more weight if I could back them up with the opinion of experts like the quotes above." I knew who you were Taylor when I arrived at M* Diehards in 2006 as a lost soul, kn...
by cudaman
Sun Apr 17, 2011 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Need to open an IRA - What's the best way to start?
Replies: 24
Views: 3421

But I need to get my feet wet in online trading. Professional traders (and high speed computers) welcome your money upon which they will feed. I would have preferred you go with a regular (non-brokerage) account to buy/hold/rebalance mutual funds. Stock picking is a difficult profession. Combine it...
by cudaman
Sat Apr 16, 2011 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need to open an IRA - What's the best way to start?
Replies: 24
Views: 3421

You seem pretty relaxed considering you've claimed something on your taxes you haven't done yet. I'd be a bit nervous if I hadn't yet established that account. As pointed out prior, you have until Monday to create and fund that account. It's interesting that you've claimed a 2010 tax deduction. You'...
by cudaman
Wed Feb 16, 2011 6:22 pm
Forum: Personal Consumer Issues
Topic: "Where were" you on March 9, 2009?
Replies: 91
Views: 9199

I remember the day. I called the wife from work and told her to buy $100 of Wellington in her Roth. I remember thinking how unbelieveable the whole thing was though.
by cudaman
Sat Feb 12, 2011 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: $3000 left to contribute to 2011:dollar cost average or lump
Replies: 49
Views: 6128

If you're afraid of losing $3,000, you've got the wrong asset allocation. I don't think it's a matter of fear necessarily. For example, you may be at the upper limit of a stock allocation band. You've been directing new money into fixed income and rebalancing away from stock funds. Assuming the OP ...
by cudaman
Sat Feb 12, 2011 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: $3000 left to contribute to 2011:dollar cost average or lump
Replies: 49
Views: 6128

Re: $3000 left to contribute to 2011:dollar cost average or

I'm finished contributing to 2010 and I have enough to max out contributions to 2011. $3000 left.....should I dollar cost average or lump sum it? Contributions to what, that is to say - all asset classes evenly? Depends on what that investment is. A "lumper" according to your asset allocation makes...
by cudaman
Sat Feb 12, 2011 2:37 pm
Forum: Personal Consumer Issues
Topic: Any bogleheads collect baseball cards?
Replies: 28
Views: 2927

It's a fascinating hobby. Most of what I have is from when I was just a small fry. 1966 Topps was the first active purchase for me by my mom. Bubblegum came with 'em and everything!!! Sandy Koufax was my hero then and I still remember the day mom bought me a 36 pack with two Koufax's. Talk about Hea...
by cudaman
Sun Jan 30, 2011 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: anybody going short next week?
Replies: 19
Views: 2931

These guys are wearing shorts: http://www.youtube.com/watch?v=c0AQ3AaS4z8 :) Seriously, the beauty of the Boglehead approach to investing is not having to sweat this stuff and the timing associated with it all. If the market falls, I'll buy more equity or rebalance. If not, I will not have made a mi...
by cudaman
Sun Jan 02, 2011 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Walk me through coverting a non-deductible IRA to Roth...
Replies: 7
Views: 1855

I spent the afternoon looking into the points I raised ( #'s 2) and 3) above) and concluded that I & wife should go the TIRA route and convert to existing Roth IRAs. A very valuable thread which assisted me: http://www.bogleheads.org/forum/viewtopic.php?t=62764&mrr=1289339829 Thanks to all here who ...
by cudaman
Sat Jan 01, 2011 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Walk me through coverting a non-deductible IRA to Roth...
Replies: 7
Views: 1855

My situation as well although I'm looking at the 2011 contribution, not 2010. I may be close to or exceed the income limit (or not) for a direct Roth IRA contribution. But I also want to get this out of the way and am considering a non-deductible TIRA, given the unknown, with subsequent conversion t...
by cudaman
Sat Jan 01, 2011 5:21 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 36262

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