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Re: Dow Jones Index Fund?

I wouldn't want to own the dow dawgs in my portfolio outside total market index. I believe it's the 30 largest qualifying companies of the S&P500.
price-weighted, not value-weighted.
by rustymutt
Wed Aug 20, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 41
Views: 2048

Re: Tract Home - Things to Watch During Construction

Whole house surge protection, and backup power generator. Inside walls insulated where needed. Widen the stairs to the basement by at least 6 inches. Centralized data/media closet in basement. Better carpet than builder grade. Make sure the ventilation system is balanced with enough return air to wo...
by rustymutt
Wed Aug 20, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 2942

Re: Conversion to Roth from IRA laddering

I need opinions from Bogleheads members with knowledge of using as a strategy, the moving over of $1million IRA, into an Roth vehicle, whereby we could do this in $100K a year for 10 years (as an example only) and pay the tax on this out of taxable saving, and other fixed income vehicles. At 70, no...
by rustymutt
Mon Aug 18, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth from IRA laddering
Replies: 6
Views: 416

Conversion to Roth from IRA laddering

I need opinions from Bogleheads members with knowledge of using as a strategy, the moving over of $1million IRA, into an Roth vehicle, whereby we could do this in $100K a year for 10 years (as an example only) and pay the tax on this out of taxable saving, and other fixed income vehicles. At 70, no ...
by rustymutt
Mon Aug 18, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth from IRA laddering
Replies: 6
Views: 416

Re: Do Super wealthy have access to different investing vehi

Yes. I refuse to go into specifics, out of fear of getting the topic locked.
by rustymutt
Sun Aug 17, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6183

Re: Indirect grilling (now a total fan)

I'm indirectly grilling and smoking a Texas clod roast for dinner, and lunch tommorow, Sunday, and most likey all week long, as it's a 6 pounder. Love beef in our home.

I've got the $60 water smoker from Home Depot, and love it.
by rustymutt
Fri Aug 15, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Indirect grilling (now a total fan)
Replies: 13
Views: 1923

Re: Sources for Discovering Dishwasher Quality

We have a LG and wife loves it. It's been trouble free for 2 years. Keeping our fingers crossed.
by rustymutt
Mon Aug 11, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1789

Re: Who or what inspired you and your investing approach?

My father and mother, whom struggled at time rising me and my 2 siblings. I learned to live within my means. Used my imagination for my most important concept, living without a desire for things. Reading took me away, and put me in the middle of the action. Louis Lamar took me out west in the 1800s,...
by rustymutt
Mon Aug 11, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4277

Re: Vanguard direct !

Taylor Larimore wrote:mikemath:

I have used a Bache, Merrill Lynch and Vanguard Brokerage.

All my funds are now Vanguard funds and I deal directly with them--a major improvement.

Best wishes.
Taylor


My whole family has followed suit Taylor, and we're all glad we did. Best wishes!
by rustymutt
Mon Aug 11, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7154

Re: Risk and Return of Tilted and Market Balanced Funds

You have to come to grips somehow with the problem that financial data FREQUENTLY contains 10-year-long periods that are very different from longer periods. I agree with you on our ill fated vision of the concept of time, returns, compounding, and return on investment. To many media channels confus...
by rustymutt
Mon Aug 11, 2014 6:55 am
 
Forum: Investing - Theory, News & General
Topic: Risk and Return of Tilted and Market Balanced Funds
Replies: 19
Views: 2461

Re: "best" online booking service for hotel room?

I like to call the hotel direct after looking at online prices. They most times match, or beat those room prices pre purchased through outlets.
by rustymutt
Mon Jul 28, 2014 5:54 am
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 27
Views: 2244

Re: POLL: My home is worth less/more in 2014 than in 2007?

livesoft wrote:I wouldn't believe ANYTHING on zillow. It said our home sold about 3 months ago. I have no idea who our new roommates are because I haven't seen them yet.


Plus one!
by rustymutt
Mon Jul 28, 2014 5:50 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5693

Re: Looking for insights on San Antonio

Texas has high property tax according to the following article: http://taxes.about.com/od/statetaxes/a/property-taxes-best-and-worst-states.htm I lived in a different part of TX for 8 years and I loved it. I also enjoyed visiting San Antonio. Many people from higher cost of living states were movin...
by rustymutt
Sat Jul 26, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 1593

Re: Whats a Better Lot in a Tract Home Neighborhood?

TxAg wrote:I agree with you. Plus, I'd rather have the wooded area than the fake pond.


Most lake lots are nothing but drainage holding ponds, and they serve insects well.
I agree with those suggesting the wooded lots.
by rustymutt
Sat Jul 26, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2229

Re: Experimenting with LibreOffice Calc [Importing fund pric

Milo, I use Get Quote function to pull in quotes. I'm using Open Office, and have had some issues, but figured out what it was. Get Quote requires the use of Java. At times it would stop working. I figured out that the version of Java has to be kept updated, or issues occurred. Make sure your Java i...
by rustymutt
Sat Jul 26, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 740

Re: Trip to OKC, what attractions to visit

The Boulevard Cafe is a must lunch. If you like great food, this is like Furr's on steroids. You might catch the governor, and law makers right at noon, so go in early, 11am, or late, after 130pm. The line is long. Fantastic food. American style buffet cooked right behind the counter in front you. M...
by rustymutt
Wed Jul 23, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Trip to OKC, what attractions to visit
Replies: 24
Views: 849

Re: Reduce / Eliminate Emerging Market in Retirement?

It's my understanding that by having at least some small portion in EM, you actually reduce the risk and increase the total return. Why would you mess with that? I've got a 5% allocation to EM, and I'm confident that's the right level for me in my 60/40 Eq/bond portfolio of asset classes. S&D is...
by rustymutt
Tue Jul 22, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Reduce / Eliminate Emerging Market in Retirement?
Replies: 11
Views: 1181

Re: VMMXX: Finally Pulled the Trigger

VMMXX is where all of our dividends and capital gains go. I use that build up to rebalance funds that don't match my IPS. Can also send that money to one of our banks. It's the fund I use as a tool, and it's used as a part of my portfolio. If to much money ends up in it, I move that to corp short te...
by rustymutt
Tue Jul 22, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 20
Views: 2698

Re: Insurance policies questions

The interest you receive on any life insurance retained asset accounts may be taxable, but the proceed are not taxed as income.
by rustymutt
Mon Jul 21, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance policies questions
Replies: 7
Views: 613

Re: Favorite portfolio tracking software

Morningstar for free to sign up and use their portfolio software. I've used it for 5 years now, and like it. I put all accounts on it. This way with a simply glance, I know what's happening with our investments. I use OpenOffice spreadsheets, and a featured addon called "get quote". This ...
by rustymutt
Mon Jul 21, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Favorite portfolio tracking software
Replies: 14
Views: 1841

Re: Favorite portfolio tracking software

Morningstar for free to sign up and use their portfolio software. I've used it for 5 years now, and like it. I put all accounts on it. This way with a simply glance, I know what's happening with our investments. I also use spreadsheets for tracking and making balance changes to my accounts under man...
by rustymutt
Mon Jul 21, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Favorite portfolio tracking software
Replies: 14
Views: 1841

Re: Snake!

Smoke em out.
by rustymutt
Fri Jul 18, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4305

Re: Just retired...any reason to move 401K to IRA?

I got my 401k rolled over into Vanguard as a IRA . Then I was able to gain access to the correct asset classes for my investing goals. That was my reason for moving it. The cost of investing at Vanguard was and is so low compared to others. I couldn't resist the Boglehead desire to save on expenses,...
by rustymutt
Wed Jul 16, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Just retired...any reason to move 401K to IRA?
Replies: 50
Views: 5066

Re: POLL: Do you have a dedicated REIT allocation?

10% of total portfolio in REITs - half domestic, half international - I've sacrificed some simplicity for additional diversification and am fortunate to have adequate tax-sheltered room to house the REITs. Nispirius, I haven't done the work, but suspect it's misleading to say 'REITs are riskier tha...
by rustymutt
Wed Jul 16, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7276

Re: Bernstein: Don’t Bother With International Bonds

Academics don't lie. If Bernstein believes this, I do to. USA Bonds only. Support your government and buy bonds.
Hi Taylor!
by rustymutt
Wed Jul 02, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9187

Re: How risky is https: over public wi-fi?

Worry about key hackers in the next room over at a real friendly hotel, with a blue tooth receiver. Or a trojan inside your PC, cause you went to a porn site that was flash friendly. Your not as well protected at WiFi sites, as some home networks can be made. Watch out for the so called "Smart ...
by rustymutt
Wed Jul 02, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: How risky is https: over public wi-fi?
Replies: 15
Views: 2386

Re: Fed up with ATT

I use Magic Jack. I had my old home # ported over for a one-time charge. The device costs ~$49 or so and the VOIP service is $20 per year. I have it connected to my house phones with the answering machine, so that takes care of screening out the sales calls. Works like a charm at an extremely low c...
by rustymutt
Thu Jun 26, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 4747

Re: Contractor Messed up

stick with the wood your already using around the house.

don't let the contractor dump his otherwise waste on you.
by rustymutt
Thu Jun 26, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2966

Re: Am I Nuts?

Crimsontide wrote:
rustymutt wrote: Nothing in life is more satisfying than owning your own home.


True, but HE doesn't own it. The bank "owns" it, to the tune of a 30 year mortgage...


Point well made.
by rustymutt
Thu Jun 26, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2759

Re: Why Asset Allocate/ Slice and Dice

I personally have both 4 fund investments, and a slice and dice form of investing. Both are buy and hold. I'm happy to report that the slice and dice portfolio has done better that last 5 years, than the simple 4 fund approach. About 1.25% more. Over the long term, that extra 1.25 percent means lots...
by rustymutt
Thu Jun 26, 2014 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Why Asset Allocate/ Slice and Dice
Replies: 37
Views: 2109

Re: Am I Nuts?

You sir are anything but nuts. Nothing in life is more satisfying than owning your own home. If you and your spouse have enough steady income to reach your goals, and still live in this house, then go for it. It's a commitment to this piece of property. Make the home better with each passing year, b...
by rustymutt
Thu Jun 26, 2014 7:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2759

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

I've not read one thing that states owning small value will hurt your returns. It sure can in the short term, or for that matter, long term results as well. That's all that matters to most people. To invest correctly, one has to have a small amount of faith in the free market system. Faith that over...
by rustymutt
Thu Jun 26, 2014 7:14 am
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6699

Re: Paul Merriman article: every investor needs Small Cap Va

It of course isn't too surprising to hear a guy who sells DFA funds for a living (http://www.merriman.com/author/paul/) talking up small value stocks. There are folks (Bogle, Swensen, etc) who tell you SV investing is a waste of time. Then there are folks (Bill Bernstein) who tell you it might work...
by rustymutt
Wed Jun 25, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 6899

Re: Fed up with ATT

Keep in mind that it's not just ATT that does this industry trick. Cable tv also creeps up, as do all communication companies.
When out right naming a company, you must keep in mind they all do this. Drop the service if you're not happy with it.
by rustymutt
Wed Jun 25, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 4747

Re: Buying a new mattress and bedding

Mattress mark ups are huge. don't forget to haggle. For example, I got 3 big mattress firms to compete for my business on a Tempur Pedic, and got a $3800 mattress for $1800. Even though they all told me that Tempur Pedic prices are fixed. That's a huge lie that the industry would love for all to buy...
by rustymutt
Sun Jun 15, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 36
Views: 2830

Re: Jack Bogle: Accept market return for what it is

Jack is incredibly grounded, and his views about investing, his knowledge of markets, and his age make him wiser than I. I'm listening to you Jack, and your wisdom inspires me to listen. Something that few have have gotten through my head.
by rustymutt
Fri Jun 13, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Accept market return for what it is
Replies: 14
Views: 2570

Re: What Do You Eat For Snacks?

Why I just had a small bowl of Mom's shredded whole wheat, with a drizzle of honey. Then a 1/2 cup of fresh blueberries. Good til super now. Now I'll go mow the lawn. That burns a bunch of calories. For my breakfast, I had greek yogurt, plain, with frozen cherries, and roasted walnuts. Supper will b...
by rustymutt
Fri Jun 13, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6456

Re: Poll on Retiree's Health Care

Taylor Larimore wrote:Stellersfan:

I am retired with Medicare and Federal Blue Cross. Not sure how to vote in your poll ?

Best wishes.
Taylor


Good point Taylor. We also have 2 insurances, medicare, and a secondary company sponsored plan.
change the poll to allow more than one choice.
by rustymutt
Tue Jun 10, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll on Retiree's Health Insurance Plan
Replies: 21
Views: 1389

Re: Should I buy the most expenisve house in the neighborhoo

I think you know the answer. No. I think a yes/no response is to easy. Maybe these are home's in the low 200's, and his is mid 200's. To many factors to just say no. If they are living there the rest of their lives, then go for it. Buy what you know your mind is right for you. The main thing is to ...
by rustymutt
Tue Jun 10, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy the most expensive house in the neighborhood?
Replies: 39
Views: 4317

Re: Why Are Insurance Stocks So Cheap?

I believe claims history of late, and the fact that more natural disasters are seemingly increasing of late, has lots of down side pressure on insurance companies. For an example, the insurance companies that had the most property insured in Oklahoma City, Moore, etc. are going to still be working t...
by rustymutt
Mon Jun 09, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Why Are Insurance Stocks So Cheap?
Replies: 18
Views: 1788

Re: Best short term account for $20k?

I gave up rate chasing quite a few years back. I am comfortable with Vanguard Short Term Investment Grade as a "short term account".Short term bond fund, interest rate risk,it has served me well,checkwriting included. Read the Product Summary https://personal.vanguard.com/us/funds/snapsho...
by rustymutt
Mon May 19, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best short term account for $20k?
Replies: 6
Views: 1164

Re: Down payment question

Getting pre-approved for a loan shows real estate brokers that your serious.
We just got pre-approved for a home loan. It also tells potenial buyers that you're serious.
by rustymutt
Mon May 19, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Down payment question
Replies: 17
Views: 965

Re: Convince me to choose a Suburban over a Sequoia

Having become an empty nested parents, we recently sold our 1994 GMC Suburban, and purchased a used 2012 Toyota 4runner. The GMC had 117K on it, without any breakdowns ever. It was the most dependable vehilce I'd ever owned. This might be why fire departments use them so much around the world. At ti...
by rustymutt
Mon May 19, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4311

Re: Social Security at 62? Let’s Run the Numbers

Everyone has different circumstances ...but for me.... Time is more valuable than money. Taking SS at 62. burt What does time have to do with it, you don't have to take SS to retire :?: John Perhaps his health is failing and he's smart in taking it ASAP. There are many relavant reasons to take it e...
by rustymutt
Mon May 19, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7530

Re: Cars for tall people

Some people have thier height in thier lower body, as aposed to having a tall torso. The Forester felt cramped to me. But then I'd been driving a 94 GMC Suburban for almost 20 years. The Honda Ridgeline didn't feel fun to drive, but rather cumbersome to me. I'm 6'5 250lbs with my height in my torso,...
by rustymutt
Fri May 09, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Cars for tall people
Replies: 35
Views: 2465

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I've owned two over twenty years, and only had this issue when the blades got dull, or out of balance. Yes they will do this. Get your blades sharpened twice a year,spring fall. Other than that, the mower didn't cut the grass as tall as I like it cut in the hot summer months, so I went with other br...
by rustymutt
Mon Apr 28, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 8995

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: 996

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: 423

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: 9091

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: 661
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