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Re: Buying a house, sell REITs?

I personally don't believe you should dump REITs, if your plan calls for them. A home is not an investment.
REITs happen to be the best of my asset classes this year. But .......? Know one can fully understand a living market like ours.
WEIRD things can happen for years.

This my humble opinion sir.
by rustymutt
Mon Sep 01, 2014 7:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house, sell REITs?
Replies: 8
Views: 786

Re: Does anyone have 'Lazy Portfolios'?

Our portfolios are sooo lazy, I make them get up a 5am and run 10 miles, with a full packs. In the snow even.
Soooo lazy. If I had a bull whip.
by rustymutt
Mon Sep 01, 2014 7:16 am
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 71
Views: 4114

Re: How to become a millionaire retiree -- then and now

Tycoon wrote:If I would have listened to the prevailing attitudes that proclaimed lower returns where forthcoming I would not be a millionaire. No one knows what the future has in store.


Thank you Tycoon! plus one.
by rustymutt
Mon Sep 01, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 59
Views: 6358

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Having known many landlords, I made the decision to not become one for many reasons I saw repent themselves. Plumbing, mechanical, carpets, floors in general. Insurance cost for buildings, vacancies, and maintenance, just to name a few. It's just not for everyone. It takes time, and money to be a wo...
by rustymutt
Sat Aug 30, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 40
Views: 5324

Re: Subaru Blues

Will what does Edmunds, or Cars.com have to say about Subaru. I'm not an owner, but know many family members who are, and they love them. They gained pretty credits in these online data banks.
by rustymutt
Fri Aug 29, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 85
Views: 7217

Re: A Low-Return Future? Are We Prepared?

Nobody knows what the markets will do. They could go even higher.
Inflation is more a concern to me, than reduced long term real returns.
by rustymutt
Fri Aug 29, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 164
Views: 9517

Re: Keeping mold out of bath/shower

You're in need of better ventilation is appears. You want you bath room title to help dry out after showers. We let a floor fan run for 15 minutes past showers, and that dies out the ceramic titles, and without water, mold can't grow. Clean with something that kills mold spores. We use diluted bleach.
by rustymutt
Fri Aug 29, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3043

Re: Any Tips on wintering in the Bahamas ?

jstrazzere wrote:3 months? I'm jealous.


me too

I suggest you give me that vacation, and just stay home.
by rustymutt
Fri Aug 29, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 21
Views: 1830

Re: Programming and Database Classes

You hit the nail dead center on "other engineers" on that. Experience and working with other knowledgeable professional people is the best way to learn skills not taught in colleges. On database education, the best is to go to work with firms that use those types of databases, and other re...
by rustymutt
Fri Aug 29, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Programming and Database Classes
Replies: 15
Views: 1045

Re: is a target date fund considered indexed

You need to ask the fund that question. Read the prospectus of the fund your considering, or need to know items.
by rustymutt
Fri Aug 29, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 623

Re: When to leave a neighborhood for greener pastures?

This is typical of neighborhoods. They tend to decline over time. A good HOA with enforcement is helpful. Are you keeping up your yard, and home? Do the yards look like crap all the time, but not when you moved in? Does the golf course next to you continue to water and control weeds, or just let it ...
by rustymutt
Fri Aug 29, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: When to leave a neighborhood for greener pastures?
Replies: 46
Views: 4844

Re: Weird implications of a credit card trick

It's not a trick, it's deception, and isn't allowed.
by rustymutt
Sun Aug 24, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Weird implications of a credit card trick
Replies: 11
Views: 2721

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: 2169

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: 3165

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: 425

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: 425

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: 6276

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: 1933

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: 1843

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: 4311

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: 7368

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: 2485

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: 2267

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: 5732

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: 1610

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: 2235

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: 754

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: 859

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: 2704

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: 615

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: 1846

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: 1846

Re: Snake!

Smoke em out.
by rustymutt
Fri Jul 18, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4309

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: 5098

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: 7341

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: 9225

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: 2390

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: 4848

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: 2760

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: 2112

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: 2760

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: 6734

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: 6928

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: 4848

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: 38
Views: 2989

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: 6473

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
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