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Re: Home improvement plans not filed with town?

Be careful that your property taxes don't shoot up based off the sale inspection.
He may be hiding details to keep his taxes down. When sold he'll loose this ability, and you may see taxes go way up.
Just a thought.
by rustymutt
Mon Apr 07, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 960

Re: 2014 tax appraisal value

Most counties in most states will let you appeal your taxes if you feel they've made an error in judgement as to it's value. Be careful, they can raise your taxes directly from such appeals. Have your argument to heart, and show them some kind of proof of your stand. In my cases I've had listed gove...
by rustymutt
Sun Apr 06, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 tax appraisal value
Replies: 12
Views: 390

Re: Why pay off your house?

Why not, i would ask of you. It's a sure thing for whatever the interest rate your home was financed at. Are we really that greedy? Can we not live debt free and be happy? To really feel free, one must not own debt, so pay off loans, and stop being owned by banks. Have fun friends, and enjoy what yo...
by rustymutt
Sun Apr 06, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8608

Re: Barclay 5 yr. CD and Dream account savings

I wouldn't invest in any investment if I can't understand with ease the details.
by rustymutt
Sun Apr 06, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 537

Re: Windows XP

Still on XP and will be for a long time, Even without the patches as long as you don;t do anything stupid(click links, download things not trusted, visit non trusted websites) I will be fine. It will take me more than $100 to switch, I have to much customization on these XP machines to switch them ...
by rustymutt
Sun Apr 06, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1482

Re: Portfolio help for 83 year old widow lady

She has decided in a 80/20 bond/equity allocation. To avoid any confusion, it would probably be better to state this as 20/80. Equity allocation is typically the 1st number. OK, thanks you Luke, I appreciate that and will correct it. Wait, that might mess up some copied post, so why Id acknowledge ...
by rustymutt
Fri Mar 28, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Re: Portfolio help for 83 year old widow lady

Is she able to live off her SS and pension? If she is drawing down the funds for living expenses I'd be very cautious about investing in anything riskier than CDs. Even if she says she is willing to accept more risk does she really understand it? My mom says she is willing to accept more risk -- th...
by rustymutt
Thu Mar 27, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Re: Portfolio help for 83 year old widow lady

Take a look at Life Strategy Income fund at Vanguard. It is 20% bonds all in one fund made up of Total Stock Market, Total International Stock market, Total (US) bond market, and international bonds. (You can determine the dollar amount or up to 5-7% annual rate to be sent to her either monthly, qu...
by rustymutt
Thu Mar 27, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Re: Portfolio help for 83 year old widow lady

Take a look at Life Strategy Income fund at Vanguard. It is 20% bonds all in one fund made up of Total Stock Market, Total International Stock market, Total (US) bond market, and international bonds. (You can determine the dollar amount or up to 5-7% annual rate to be sent to her either monthly, qu...
by rustymutt
Thu Mar 27, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Re: Portfolio help for 83 year old widow lady

You may want to look at a SPIA http://www.immediateannuities.com/ There not for everyone, but they have there uses John +1 on SPIA but there may be better places to buy one. That web site is often used when talking about a SPIA because it is so easy to use. You mentioned that she is debt free. Does...
by rustymutt
Thu Mar 27, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Re: Portfolio help for 83 year old widow lady

Johm221122 wrote:You may want to look at a SPIA
http://www.immediateannuities.com/
There not for everyone, but they have there uses

John


Thanks John that's a possible solution. I'll check into those for her.
by rustymutt
Thu Mar 27, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Portfolio help for 83 year old widow lady

Hello fellow Bogleheads. I'm in the process of helping my mother invest about $100K. This is all she has after a small monthly pension, and SS entitlement. She is debt free, and still in good health. She wants better returns than CDs offer currently, and has ask me for help. I'm asking those here wh...
by rustymutt
Thu Mar 27, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1095

Re: Are Vanguard Index Funds pure ??? Not So

My friend, when you buy hot dogs that claim they're 100% all beef, you'd be surprised at what is allowed to be called beef after the slaughter is done.
But by law, they are. Is this a good analogy? Committees do the strangest things.
by rustymutt
Wed Mar 26, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 4284

Re: "Spinning Off" my 20 Year Old Son

I think I'm going through the same thing with my 19 year old. They won't listen to mom, or dad, and know everything. He suddenly learned to lie, and be less than honest with me. We're in the process of setting up his own account at Vanguard, and letting him manage his money 100%. He'll be on our hea...
by rustymutt
Wed Mar 26, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 5995

Re: An improvement on the Fama French model

Larry would say that value oriented companies are better takeover/buyout targets, than is a growth oriented companies? Particularly very large companies looking to underlining support of small cheap companies they can use within the bigger picture of their business sector. This could help explain to...
by rustymutt
Sat Mar 22, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: An improvement on the Fama French model
Replies: 47
Views: 2995

Re: non-disparagement clauses

frugaltype wrote:Read before you sign anything. The existence of a clause like this would make me instantly decide not to do business with the company.



Plus one.
by rustymutt
Fri Mar 21, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: non-disparagement clauses
Replies: 7
Views: 738

Re: I need a quality lawnmower

I bought a gas push mower 5 years ago at Tractor & Farm store. It cost me $198, with a honda 5hp motor.
It was the only mower I found that would cut my fescue grass at 4.5 inches height, which is what I like to mow at in summer hot months.
I like it. It works for less.
by rustymutt
Fri Mar 21, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 1607

Re: Flagship Rep called me

The only time mine rep calls, is when he's returning a VM message I leave for him. Personalty, I liked it better before I had a certain rep I was to contact.
He's never available.
by rustymutt
Thu Mar 20, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4288

Re: Cedar Plank Siding

Bugs love Cedar.
by rustymutt
Thu Mar 20, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 998

Re: Soliciting Ideas for Colorado Vacation in June

We've vacationed in Colorado Springs, and even honeymooned there. If you like zoos, the Cheyenne mountain zoo is wonderful. It's very close to the Broadmoor resort. http://www.broadmoor.com/ Why we enjoyed Pikes Peak, it's not something I'd do again. It's just a mountain. They do have a race on it i...
by rustymutt
Thu Mar 20, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Soliciting Ideas for Colorado Vacation in June
Replies: 29
Views: 1990

Re: HOA lawyer sends threatening letter, need advice

You want to be really careful here. HOAs have legal powers to collect fees, penalties for homeowners who don't keep their properties in a certain condition. They will get their money in most cases, because states have given them powers to collect. I live in HOA, and they can be down right mean with ...
by rustymutt
Thu Mar 20, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4236

Early Pre Retirement And Taxes

Retired in 2009 at age 53. I was lucky enough to have gotten a great job with Southwestern Bell Telecom, directly from the breakup of Ma-Bell. Funny that I retired from the new AT&T. The very company my father wanted away from at the breakup. I have noted that our taxed accounts continue to grow...
by rustymutt
Tue Mar 18, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Early Pre Retirement And Taxes
Replies: 0
Views: 288

Re: How many Bogleheads are Wishy Washy?

If wishy washy is learning from other Bogleheads, the mistakes they made early in their lives, then yes I'm a tad bit wishy washy. My portfolio isn't one that anyone person recommended to me, but rather a collective, selective, simple peice of all the wisdom of many different sources of learning abo...
by rustymutt
Wed Mar 12, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 4111

Re: William Bernstein-When you've won the game, why keep pla

I was about 10% fixed income for years, then went to 31% fixed income when I semi-retired with a just barely enough Number. Then when I reached a bigger number, I went to 36% fixed income where I am today at about your age. I don't think I can have bonds higher because I like the returns of equitie...
by rustymutt
Wed Mar 12, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25059

Re: Tipping for a haircut at Great Clips

I think tipping your hair dresser is an appropriate behavior for gentlemen. I use Great Clips and know that these folks work hard for a honest living and I enjoy tipping them. I agree. Last week when I went they were having a $7.99 sale. I tipped $2. Next time I go though I think I'll tip $3. These...
by rustymutt
Mon Mar 10, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3966

Re: Tipping for a haircut at Great Clips

I think tipping your hair dresser is an appropriate behavior for gentlemen. I use Great Clips and know that these folks work hard for a honest living and I enjoy tipping them.
by rustymutt
Sun Mar 09, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3966

Re: What if Henry Blodget is right about the stock market?

What if Mr Blodget is wrong? And someone follows his advise. What then?
by rustymutt
Tue Mar 04, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: What if Henry Blodget is right about the stock market?
Replies: 47
Views: 4177

Re: washing machine - front loader or HE top loader?

We had to get a new washer after 5 years our Kenmore Deluxe stopped working. Hardware worn out. We went back to a regular agitator. Speed Queen was the only company making them. We love the Speed Queen old style of washing machine. The new energy efficient washing machines don't work to our standards.
by rustymutt
Tue Mar 04, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2794

Re: [POLL] What do Bogleheads DRINK?

What ever you're buying.
by rustymutt
Mon Mar 03, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3760

Re: Wrist Watches

Ged wrote:I always wonder what the effect of wearing stuff like an ostentatious watch in public is when the auto mechanic or landscaper is working on your invoice.


Timex works for you!
by rustymutt
Sat Mar 01, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5764

Re: Wrist Watches

I just bought two Timex watches from Amazon.com. I have worn both, and like them. If they last me 4 years, I'll buy new ones for about $20 each.
by rustymutt
Sat Mar 01, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5764

Re: Allan Roth on "Richest Guy in the Graveyard"

I hope that my boys understand how difficult it is to accumulate money, manage it, and make work 100% for their future, and not the hear and now. It's just credit printed on paper. I hope they fall in love with Bolgehead principles in general. I hope they get jobs that mean something to them and the...
by rustymutt
Sat Mar 01, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 6475

Re: Allan Roth on "Richest Guy in the Graveyard"

"One area he walks clients through is the Roth versus traditional IRA and the Roth 401(k) versus traditional 401(k). The ability to convert from a pre-tax traditional IRA to a post-tax Roth IRA—and recharacterize back to where you started—opens all kinds of opportunities for managing risk arou...
by rustymutt
Sat Mar 01, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 6475

Re: Car Seats: Leather or Cloth with Kids?

We've had leather in all our cars & trucks, but the last vehicle we got cloth, and we love it. Cool in summer, warmer in winter. Don't spend the extra for leather.
by rustymutt
Fri Feb 28, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Car Seats: Leather or Cloth with Kids?
Replies: 46
Views: 2248

Re: Medicare coinsurance increase with ACA???

My 84 year old dad is hopping mad because his coinsurance jumped from $2000/yr to $3000/yr. I'd be mad too, but my insurance agent says ACA made no changes to this coinsurance or Medicare costs. I can't find anything to explain the increase. Does anyone here know why it increased so dramatically? W...
by rustymutt
Tue Feb 25, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare coinsurance increase with ACA???
Replies: 25
Views: 1187

Re: The Jack Bogle Dime

...Why we're at it, lets put labor on a coin also. The hard working people at the bottle of our work force, who helped built America. If you're lost in the woods and need to build a fire, just put the bill with Walter Reuther on it together with the bill with Henry Ford on it and they will burst in...
by rustymutt
Mon Feb 24, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: The Jack Bogle Dime
Replies: 17
Views: 1424

Re: The Jack Bogle Dime

How about the enlisted men and women of our nation, and those who have served in the past. Why we're at it, lets put labor on a coin also.
The hard working people at the bottle of our work force, who helped built America.
by rustymutt
Mon Feb 24, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: The Jack Bogle Dime
Replies: 17
Views: 1424

Re: Has anyone seen the Japanese Stock Market?

I think every portfolio should own a small percentage of Japanese equities. As part of a well diverse investment plan. Diversity has never played a more important role in reducing risk than it does in a portfolio today. Just read what the academic intellectuals say about it. I'm sure some of you fol...
by rustymutt
Sun Feb 23, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6268

Re: Home office deduction = one-way ticket to being audited?

We've been self-employed for two decades and have always take a sizable home office deduction (33% of space is offices and studios). We've never been audited (touching head now). Our CPA says that the it may have been a red flag years ago but that so many people are working from home now that it's ...
by rustymutt
Sat Feb 22, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Home office deduction = one-way ticket to being audited?
Replies: 31
Views: 3287

Re: Where do you park cash?

Toons wrote:Vanguard short term investment grade :happy


+1
by rustymutt
Sat Feb 22, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you park cash?
Replies: 48
Views: 4991

Re: What are reliable refrigerator brands these days?

carolc wrote:I have a 3 year
old GE Profile and am happy with it thus far. I better be; it was expensive.

carolc


That's what we had for less than two years. First year we had two service calls, and they never could it fixed.
Noisy as hell too.
by rustymutt
Mon Feb 17, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 3764

Re: Safe Withdrawal Rate

One withdraw plan not listed is one that can change depending on the market that year. I'm not setting my withdraw rate until it's time to withdraw. You seem to think that people will take out the same amount each year. I'd like to think I'm open to different withdraw rates depending on how the mark...
by rustymutt
Mon Feb 17, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 5805

Re: What are reliable refrigerator brands these days?

cheese_breath wrote:GE... NOT!

Mine went out a few days after the guarantee expired. Fortunately the service man fixed it under the guarantee anyway.


Stay away from GE refrigerators. Junk nowadays.
by rustymutt
Mon Feb 17, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 3764

Re: Shiller PE10 nearing nosebleed territory?

Shiller PE10 now at 23.8. Every time it's gotten this high in the past, things didn't turn out well for stocks going forward -- except for the nutty nineties when it just kept on trucking up to the 40s somewhere. Doubt we'll see that again. I hate to be a party pooper, but it might be time to doubl...
by rustymutt
Mon Feb 17, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22788

Re: Nice couches are pricey, where I can get them for less?

We've found that the La-Z-Boy furniture gallery in our area carries a very nice selection of all types of furniture. The couch and loveseat we bought several years ago have held up well. Based on the prices you quoted, it might not be much cheaper than Pottery Barn, but maybe a little. I've a big m...
by rustymutt
Mon Feb 17, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3134

Re: Nice couches are pricey, where I can get them for less?

The last time we bought furniture, we found that a quality furniture store located in a small town, instead of a big city, had much better prices. The store we found is about 75 miles from the city, but had free delivery within a radius of 100 miles. Since real estate is less expensive in small tow...
by rustymutt
Mon Feb 17, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3134

Re: 2014 Jeep Cherokee - buy one?

I just purchased a used Toyota 4runner, 2012 model year, and it replaced my 1994 GMC Suburban of 20 years.
I love it. That's all for now, I love driving again.
by rustymutt
Fri Feb 14, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Jeep Cherokee - buy one?
Replies: 32
Views: 1989

Re: Are all index funds created equal ?

The settlement timing of market data for mutual funds is organized differently from those settlement timing of ETFs. This can affect daily differences in balance sheets. For example, buys and sells of stocks, or ETFs is settled real time, and the buys and sells of mutual funds close at the end of th...
by rustymutt
Fri Feb 14, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are all index funds created equal ?
Replies: 7
Views: 947

Re: Specialty funds ?

Taylor did own this fund at one time, I believe, which he frequently has professed (and possibly lamented). Did you own this fund during the 2008 downturn? Abuss: We owned Vanguard's Gold Fund in 1993 when it was the best Vanguard fund gaining 93%. At the end of 1998 renamed Gold and Precious Metal...
by rustymutt
Thu Feb 13, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's worst fund (also #1) in 2013.
Replies: 36
Views: 8064
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