Search found 3025 matches

by rustymutt
Sat Aug 01, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 15
Views: 886

Re: Crab Grass

You just have to be consistant with working on killing, pulling, and removing unwanted growth on a regular basis. I moved into this home in June, and the previous owner hadn't done anything for some time. I treated with Bayor product to kill crabgrass twice, two weeks apart, then used spot treatment...
by rustymutt
Sat Aug 01, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 1781

Re: Rental Car Possible Damaged after I returned it

Was your experience with Enterprise? I used to have an employee who worked for them who stated that the return damage process was considered a profit center for them (lose of use, etc). I wondered if anyone else had that experience? reason-logic, I have had bad experiences with customer service at ...
by rustymutt
Fri Jul 31, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: Why not buy berkshire hathaway?
Replies: 157
Views: 14590

Re: Why not buy berkshire hathaway?

If you invest in total market funds, you are buying it, and at the right level of risk for you.
by rustymutt
Mon Jul 27, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Home Office Flooring - Boglehead Choice?
Replies: 21
Views: 1772

Re: Home Office Flooring - Boglehead Choice?

I'm in my office at home now, and it's wood plank flooring. Holds up better than I'd have expected a wood floor to. I'd say go with wood planking. Walk the plank mate! This new material is really strong stuff. :sharebeer
by rustymutt
Mon Jul 27, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 172
Views: 10619

Re: Would you look down on a co-worker for driving a beater?

I'm laughing as I read through the post. I'd be proud to drive into a work function in anything, including motorcycles. At times, a bike was all I had to get me around town. From crawling, to biking, to driving, and back to biking & driving, then to wheel chairs. Oh, almost forgot my private pil...
by rustymutt
Sun Jul 19, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - help with term life insurance
Replies: 32
Views: 2063

Re: Baby on the way - help with term life insurance

Out of curiosity, have you checked with your employer, to find group rates? Your firm's benefit office would be a good start. At least it can't hurt to ask, right?
by rustymutt
Sun Jul 19, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - help with term life insurance
Replies: 32
Views: 2063

Re: Baby on the way - help with term life insurance

Congratulations on family life, and administering it correctly trying to do it the right way first time. If I'd had a bunch of people like Bogle has here, I'd be the smartest man on earth. Love your question, and can't wait to see some of the responses you get. Good luck to you sir. Stay the coarse....
by rustymutt
Fri Jul 17, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4528

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

A safe healthy crib. Make sure your crib, even if used, isn't on a re-call listing at Consumer Reports, or Better Homes & Gardens. They list recalls. Pay attention, as the Chinese are selling lots of low quality junk in the USA. Not going to hold up people, as it's not what metal work use to be....
by rustymutt
Fri Jul 17, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3715

Re: What to do with bill received for prior homeowner

Looks like you already exhausted the civil actions of finding the prior homeowner. I wouldnt spend any more time and just shred it. I couldn't agree more with you on this. Life is to short to worry about someone else's issues. !!!! Return to sender wrong address!!!! That person isn't here any more,...
by rustymutt
Fri Jul 17, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4287

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

60K Maintenance includes? Without knowing what's included, it's hard to say one way or the other.
But I'd avoid the dealership, as some others have also suggested.
by rustymutt
Fri Jul 17, 2015 6:36 am
Forum: Personal Consumer Issues
Topic: State Farm premium increases...time for new quotes. Cute commercials don't count!
Replies: 12
Views: 1660

Re: State Farm premium increases...time for new quotes. Cute commercials don't count!

Keep in mind that rates are set by the insurance office of state government. All companies go through the insurance commissioner's office for rate authorization. Storms, fires, floods, hail, can and do cause insurance companies to rise rates. State Farm in your state may have been hit hard from a hu...
by rustymutt
Tue Jul 14, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Xfinity vs ATT
Replies: 9
Views: 778

Re: Xfinity vs ATT

Remember that this other new company may not have facilities in place for the speed they suggest. Buried is better than aerial, and fiber subpurb to copper. :sharebeer Am with AT&T at 18meg, and consistently get better speed of 20meg. So I'm yes, happy with T. For my needs, much fast enough.
by rustymutt
Sun Jul 12, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1001
Views: 160871

Re: What Movie Have You Recently Watched?

The Man from Laramie.....Jimmy Stewart Tonight it's gonna be The Sons of Katie Elder....The Duke John Wayne and Dean Martin.... I never get tired of watching the old cowboy movies... Don I'm the same way. I love the old John Wayne movies. Martha Hyer had my heart before I a teenager. :sharebeer
by rustymutt
Fri Jul 10, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: How do you do the Larry Portfolio?
Replies: 48
Views: 3697

Re: How do you do the Larry Portfolio?

I use DFA .... 50 USA/35 ex-USA/15 EM It is hard to have only SCV in EM so I try to tilt to value as much as possible. I use Vanguard for the Bonds I have lowered by stock allocation from what what it used to be ..... Contrary to what is asserted often on this board, DFA access does not have to be ...
by rustymutt
Fri Jul 10, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: How do you do the Larry Portfolio?
Replies: 48
Views: 3697

Re: How do you do the Larry Portfolio?

Very slowly, and cautiously. I want an advisor if I go that route at all. Someone besides myself to rattle if a mistake is made.
by rustymutt
Tue Jul 07, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax Penalty?
Replies: 5
Views: 591

Re: Roth IRA Tax Penalty?

Call the IRS and talk with them about the confusion. I'm sure that you can talk this through with the IRS. I'm not sure what else anyone could do.
by rustymutt
Mon Jul 06, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: My Case For Early Retirement 50's/60's
Replies: 10
Views: 1201

Re: My Case For Early Retirement 50's/60's

Lon, your life is an inspiration to me. Thank you so much for sharing your wisdom with us. Good Luck Mate!
:sharebeer
by rustymutt
Tue Jun 30, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3567

Re: Am I in a Bad Position?

Don't even pay any attention to it. My portfolio dropped about $50K yesterday. Does that make you feel better? But then the market is up today and I bought yesterday, so by Friday I'll probably forget the day even happened, and certainly 20-30 years from now I won't remember yesterday at all. Some ...
by rustymutt
Tue Jun 30, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: Graham's "margin of safety" for US stocks (6-29-15)
Replies: 24
Views: 4637

Re: Graham's "margin of safety" for US stocks (6-29-15)

The one flaw with Mr Graham's assertions, he fails to mention that bull markets can run way longer than the average in any given set of years. Point to the 1990's as a very strong oppositions to his suggested market mania mess. So only the buy and holders get a benefit, if this theory pans out again...
by rustymutt
Tue Jun 30, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 24
Views: 2549

Re: How to use SSD computer

Because the power rectifiers go from ac current to dc current, "alternating, and direct current" it serves as a good power filter to offer protection from both brown outs, and spike, or surges in current due to power fluctuations, and outages. Put everything powered that works off micropro...
by rustymutt
Tue Jun 30, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8818

Re: Money arguments with spouse and how did you resolve

itstoomuch wrote:If you are the guy- she is right.
If you are gal-you are right.
To be PC, then both will need to come to some type of resolution.


It's much like a good game of chess. Move carefully, and fully expect an attack from your rear.
Does your spouse enjoy a good game of chess?

:sharebeer
by rustymutt
Tue Jun 30, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: federal tax return rejected
Replies: 14
Views: 1862

Re: federal tax return rejected



Plus one! :sharebeer
by rustymutt
Tue Jun 30, 2015 8:34 am
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3567

Re: Am I in a Bad Position?

So know that the difference in attitudes can make even a bad position seem good for a bit, or maybe two bits, and visa-versa.
by rustymutt
Tue Jun 30, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 10 year Broker CDs vs 10 year Treasury
Replies: 27
Views: 2808

Re: 10 year Broker CDs vs 10 year Treasury

Ten years is a long time. Actually, it isn't. We're 68, and have been investing since our 20's (roughly 45 years). At 59 years old, I don't see 10 years as all that long of horizon, but if I was 84 years old I would. So age is a huge factor here for older people. 10 years of 3.2% is very stable at ...
by rustymutt
Fri Jun 26, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 4792

Re: Colorado Vacation suggestions

You might enjoy the horse back riding in the high country. You'll see views unobtainable from any roads. They are about everywhere in Colorado. My favorite is near Crested Butte. You can do 2 hour or all day horse back. If you really want the close mountain feeling of the wildlife in Colorado, this ...
by rustymutt
Fri Jun 26, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5895

Re: Squirrel nemesis

Put down some hot pepper powder. They don't like spicy digs.
:beer
by rustymutt
Wed Jun 24, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 23871

Re: What was the 2008 crash like in real time?

For the most part I was already on the sidelines, as I was gearing up for retirement in 2009. So we watched in horror as day after day the markets fell. I'd moved my money to a cash type account so as to be ready to rollover my 401K to Vanguard. Even so, the draw back was that in March of 09, the bo...
by rustymutt
Fri Jun 19, 2015 9:09 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 192
Views: 16547

Re: Free Windows 10 Upgrade, Yes or No?

DVMResident wrote:
Sidney wrote:Just install the Pro version.


For $80 more, no thanks. There's nothing in Windows 10 Pro worth $80 over 7/8.1.



May not be for you, but for others the features of the Pro version are worth the money. To each their own.
:sharebeer
by rustymutt
Thu Jun 18, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4952

Re: New to Golf

Welcome to golf! It's a wonderful game for those who have the time and ability to play. I'd be patient about spending much on a used set. Perhaps someone close to you could loan you a set. My first set came from a department store sporting goods department. They were Northwestern, Nicklaus Golden be...
by rustymutt
Mon Jun 15, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5678

Re: Where do you keep your to do list?

ON my PC. I use it daily, so it just makes sense.
by rustymutt
Mon Jun 08, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Ellis Asset Allocation Ranges
Replies: 17
Views: 1405

Re: Charles Ellis Asset Allocation Ranges

I personally think he is too aggressive. In the end you may end up having more, but how many regular folks can stay the course when we have a major correction with a 90% stock allocation. If you can stay the course, it may be the right thing for you. Warren Buffett is in the same camp and thinks th...
by rustymutt
Wed Jun 03, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 59
Views: 4265

Re: What is total return vs. dividend investing?

miriam2: If you are still there, this Vanguard Study should answer your question: Spending From a Portfolio: Implications of a Total-Return Approach Versus an Income Approach for Taxable Investors Best wishes. Taylor Nice read, and I learned that I'm a total return type investor. Thanks Taylor!
by rustymutt
Tue Jun 02, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 246
Views: 31944

Re: Warning Signs

Steady at the helm mates! Ride the energy waves of capitalist democracy to Glory! Or wait, if the market crashes you ride the waves straight to hell in a hand basket, and that's not good. I love a balanced simple asset allocation. You simply set it, and forget it. It's just that easy, with less risk...
by rustymutt
Fri May 29, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: My son needs a double lung transplant
Replies: 41
Views: 7512

Re: My son needs a double lung transplant

Sorry for your son's medical condition, but why does he need an attorney to get disability benefits? Anyone can apply for disability without an attorney.
by rustymutt
Tue May 26, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 991

Re: Outside a/c fan isn't running (10 yr old system)

Many small reasons exist for the a/c outside unit (The compressor, and coils unit) not running at all. First, fuses, and breakers. Relays go bad. Starter capacitors go bad. Mice can chew through control signal cabling. Call your heating and air company and put in a service call. It might be a minor ...
by rustymutt
Mon May 25, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 4527

Re: Why government bonds at all?

I was taught to re-balance once a year at the same time, and that's what I did. The organization seemed to work well. That was one heck of turn back in 08, and I wasn't sure in June 09 if I was doing the right thing. Turns out I did. It also helped me that I was retired in June of 09, and had been m...
by rustymutt
Mon May 25, 2015 6:11 am
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3742

Re: Why not overweight international?

I would mostly agree with you assessment. My only concern is that the US companies are special. Large, multinational companies are overrepresented in the US market. These tend to be big dynamic companies that generate lots of growth. Not all markets are created equal. Every time I start to think th...
by rustymutt
Sun May 24, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 4527

Re: Why government bonds at all?

Because they do really well during market crashes, or sharp sell offs. Treasuries are the one thing that didn't drop for me, but roose up nicely do to market demands. I was taught to keep the risk on the equity side of investments, and not the fixed income side. CDs, Treasuries. Out of curiosity, d...
by rustymutt
Sun May 24, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 4527

Re: Why government bonds at all?

Because they do really well during market crashes, or sharp sell offs. Treasuries are the one thing that didn't drop for me, but roose up nicely do to market demands. I was taught to keep the risk on the equity side of investments, and not the fixed income side. CDs, Treasuries.
by rustymutt
Sat May 23, 2015 8:18 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 7515

Re: Bill Gross Thinks the End Is Near

When I read the title I first though that Mr Gross had been diagnosed with a life threatening illness.
Hasn't he been predicting for decades, and getting it wrong most of the time? He got it right a few years back, and has ridden that train for years. Anyone can get lucky a few times.
:sharebeer
by rustymutt
Sat May 23, 2015 8:15 am
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 9977

Re: Not your father's Total Bond Market Fund anymore

The time periods used for analysis is during a time that saw interest rates going down. So seeing growing charts doesn't surprise me at all. I'd be interested in knowing how the various bond funds do in rising interest rates more than declining rates. I'm betting we'd see a different story all toget...
by rustymutt
Fri May 22, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3742

Re: Why not overweight international?

That would be a smart beta factor, and on the surface looks really good. But many of us already know this factor exist and are using it. Of equalities, I've been 50/50 US/IntNL for a long time now. IntL equities helped my portfolio out much during the 2000-03 recession. They can go south in a hurry ...
by rustymutt
Fri May 22, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 7515

Re: Bill Gross Thinks the End Is Near

staythecourse wrote:Let's say Mr. Gross is spot on that stock and bond market underperform going forward. So what is an investor to do? That is why I think statements like that are so IDIOTIC. If one does not say what the better option is then just ranting.

Good luck.


Plus one!
by rustymutt
Thu May 21, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11522

Re: Neighbor hired a surveyor. Should I be nervous?

I suggest you bake him a dozen cookies, and go welcome him to the hood. Then politicly mention the fence, and ask if you should be concerned. I"m sure not, and then you can have milk and cookies together.
:sharebeer
by rustymutt
Wed May 20, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: Sewer line replacement - who to call?
Replies: 21
Views: 1646

Re: Sewer line replacement - who to call?

Get at least 3 quotes, with material written out. Make sure that all 3 quotes are approved and licensed for plumbing.
Someone will do it for less than the first quote, but you've got to some work to save that money. Good luck.
:sharebeer
by rustymutt
Tue May 19, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1892

Re: Malwarebytes Anti-Exploit

People are commenting about Malwarebytes Anti-Malware when the question was about Malwarebytes Anti-Exploit. Two different programs. Anti-Exploit is specifically for browsers. Popular software programs contain millions of lines of code. Bad guys exploit flaws (vulnerabilities) in the code to delive...
by rustymutt
Sun May 17, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Prescott and Prescott Valley Arizona
Replies: 8
Views: 930

Re: Prescott and Prescott Valley Arizona

Prescott is indeed cooler. Other places to consider that are appreciably cooler that Phoenix are: Flagstaff; Sedona; Casa Grande; and Show Low. In Arizona altitude is climate. Flagstaff is cooler than Prescott which is cooler than Sedona. Sedona is so crowded now in summer months. It take it way to...
by rustymutt
Sun May 17, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3456

Re: Keep underground storm cellar (in Florida)?

ddurrett896 wrote:Are you kidding - that sounds like a dream to have. I dream about having an underground area beneath my garage for guns, safe, whatever!

If your worried about kids, throw a lock on it.


Any guns you store in that under ground bunker will rust badly.
by rustymutt
Sat May 16, 2015 6:45 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4856

Re: Emerging Markets: Yes or No?

Yes, as to my written investment plan summary. 6% in an ETF EEMS. But remember, there are different types EM etf's, and funds. Know what you own, and understand the risk, and why we take those risk. Many studies have been done on this subject, I'm sure.
by rustymutt
Sat May 16, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13324

Re: How much does social security factor into your retirement income?

joe8d wrote:Retired 11 years and SS is absolutely the most important component of my retirement income.



+1

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