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Re: Need advice on financing RV

Personally, I would not cash out a large lump sum from pre-tax; that will push you into highest tax brackets for the year. If you are selling the house, then either just finance the RV until it sells, or possibly take out a Home Equity loan (but HELs may have extra fees associated if you turn aroun...
by rustymutt
Sun Feb 01, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 2
Views: 172

Re: Loan Terms -- Helping a friend going through Divorce?

If this a private loan, no. Nobody else (IRS) has to even know about it. But now I do. I'll stay mum on it. I've helped out friends in the past and would again, if asked. I was always well rewarded for being a friend. And those kind of friends don't come often in life. Cherish the good times, the en...
by rustymutt
Sun Feb 01, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 20
Views: 1008

Re: Good Wines

rec7 wrote:What do you folks think of Mogan David concord wine? It tastes good.


Reminds me of grape jelly. In pinch I'll drink it.
by rustymutt
Sat Jan 31, 2015 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 39
Views: 2130

Re: Good Wines

St. Michelle Rieslings, or any of their whites. I love Washington State wines.
by rustymutt
Sat Jan 31, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 39
Views: 2130

Re: Malware problem on new PC

Use Malwarebytes. Don't use anything but reputable software to clean up malware. A lot of the stuff you find on the internet to clean malware is malware itself. Microsoft Security Essentials is also a good tool for viruses and malware. My computer geek guys recommend both Malwarebytes and Microsoft...
by rustymutt
Thu Jan 22, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2627

Re: Quicken 2015 for Windows - Any reviews?

Yeah, I backed out all the mobile features. I can't see what they actually do for me. Why would I want to check or update my finances when I am out and about? It's the kind of thing you do when you can sit down at your desk and do things carefully with all hardcopy, or even online, data available in...
by rustymutt
Wed Jan 21, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 99
Views: 15855

Re: Quicken 2015 for Windows - Any reviews?

Yes I did upgrade from 2012 version, and had no issues. Works as it did. I turned off all the new mobile features they put into it, as I didn't need that.
by rustymutt
Wed Jan 21, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 99
Views: 15855

Re: Engineered Hardwood

I'm interested in replacing the carpet/linoleum in my living room and kitchen with an engineered hardwood (laminate). The reason being is that we have three small children who tend to spill anything and everything on the carpet, causing stains everywhere. We plan on staying in the home for another ...
by rustymutt
Wed Jan 21, 2015 11:50 am
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 2869

Re: Google Chrome: is this a mega security problem?

Under setting I turn off passwords, apps, anything else they don't need to back up to the cloud.
by rustymutt
Tue Jan 20, 2015 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6589

Re: Why are fruits not cheaper in California?

I'm not sure, but to me nothing is cheap in California. Most expensive vacations we ever take are out there.
Could big oil be subsidizing food in Texas? I don't really know why, but have often wondered myself.
by rustymutt
Tue Jan 20, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1675

Re: Vanguard and Turbo Tax

coffeehubcap wrote:According to Vanguard TT is active. Both federal and state TT is free for flagship clients. I've had trouble in the past trying to take advantage of TT from Vanguard. I've yet to get it to work for me.


I've never had any issues with the Turbo Tax through Vanguard.
by rustymutt
Mon Jan 19, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 32
Views: 3891

Re: ATT wireless announces data rollover plan

We got an announcement a few days ago that starting in late January ATT will do a one month rollover of unused data for certain wireless plans. This should help us a lot. My wife and I share 1 GB of data, but most months stay under 500 MB. http://www.att.com/shop/wireless/rollover-data.html?source=...
by rustymutt
Fri Jan 16, 2015 6:11 pm
 
Forum: Personal Consumer Issues
Topic: ATT wireless announces data rollover plan
Replies: 8
Views: 1147

Re: Home Owners insurance pricing ???

I Removed double post
by rustymutt
Thu Jan 15, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1542

Re: Home Owners insurance pricing ???

Insurance companies go through state governments (Insurance commissioner) for price increases and reasons for them made clear. Yes they can, and do pass on losses in claim payouts. This is the time for you to get on the phone and call for rates at other providers. Call a few and check into rates. Th...
by rustymutt
Thu Jan 15, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1542

Re: Loss of water pressure when using hot water

I'd suggest that you read up on flushing your hot water heater. I flush out mine every 4 years. Simple to do. Messy though for the hose drains into our floor drain. You can find instructions online. Also helps the tank to not rust out as badly. You wouldn't believe the crap that flushes out of it. :...
by rustymutt
Thu Jan 15, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2186

Re: Reporter doing story on Turbo Tax Fracas

Unlike many post here, I love TurboTax. I've used it for over 20 years, and never had any issues. I find it to be a stellar product, and I'm glad Vanguard has discounted it. Free for the Premiere version. Hire an accountant, or CPA to do your tax return and see how much your charged. It's come to my...
by rustymutt
Wed Jan 14, 2015 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7134

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

I'm looking to buy a house myself, and have been horrified by the issues I find on homes. Water damage is the worst kind because of how it penetrates a home and gets into walls and cracks that you can't even see. It sits there and molds. I'd walk away from this house. Water damages insulation beyond...
by rustymutt
Wed Jan 14, 2015 6:50 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 50
Views: 4607

Re: Merrill Lynch or Vanguard

I have a Bank of America checking account so I thought it would be convenient for me to open an acct with Merill Edge. I had no investment experience, so with a minimum investment they said I would be assigned a "Financial Advisor". I made the appointment, spoke to him about my current fi...
by rustymutt
Tue Jan 13, 2015 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3220

Re: Dazed, Confused and Upset

bluejello wrote:
Is there any reason why it would make any sense to stay with EJ?


Nope! Congrats on taking the red pill. :sharebeer



plus one :sharebeer
by rustymutt
Tue Jan 13, 2015 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6289

Re: preventive home inspection and maintenance

Part of my investment plan savings came from home maintenance items I did to save money. I put in new title floors, sinks, faucets, counter tops, painted, window trim replaced, patched sheet rock, etc. etc. Surely you can read online to learn how to do some of this yourself. Proud to do it myself mo...
by rustymutt
Tue Jan 13, 2015 9:33 am
 
Forum: Personal Consumer Issues
Topic: preventive home inspection and maintenance
Replies: 8
Views: 824

Re: Merrill Lynch or Vanguard

To me comparing Vanguard with Lynch is like comparing apples to oranges. Why mess around with Lynch. Get it right the first time at Vanguard, and learn how to do it yourself. Cost does matter more than most understand. Having cheap options to investing is a plus for any investor. Vanguard has outsta...
by rustymutt
Tue Jan 13, 2015 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3220

Re: Performance of fundamental indexes

IPer wrote:The bloom never was on the fundamental indexing flower, what a load of garbage!


+1
by rustymutt
Sun Jan 11, 2015 6:19 am
 
Forum: Investing - Theory, News & General
Topic: Performance of fundamental indexes
Replies: 21
Views: 1816

Re: Is a Sub-4% SWR a Boglehead Quirk?

Rather than just sticking with 4%, I plan to use a flexible spending plan depending on economic conditions, and other conditions each year. Some years may be 5%, others 2%.
Go bulls!
by rustymutt
Sun Jan 11, 2015 6:06 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10672

Re: REITs and Rising Interest Rates

Interesting. But what about the correlation of [REIT performance relative to total stock (or S&P 500)] and interest rates? So [REIT return - S&P 500 return] vs. interest rates, rather than REIT return vs. interest rates. Or rather, from a regression or statistical analysis point of view, ho...
by rustymutt
Wed Jan 07, 2015 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: REITs and Rising Interest Rates
Replies: 25
Views: 2251

Re: REITs and Rising Interest Rates

Walletless, I keep vnq, Vanguard's ETF for REITs as a 5% holding in my IPO. Also holding foreign REITs @ 5%. Some years it's down, some up. This is a great year for Reits, and really pretty darn good since the 08 recession ended in early 09. It's got a great long term rate for me. I'll take the ups/...
by rustymutt
Wed Jan 07, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: REITs and Rising Interest Rates
Replies: 25
Views: 2251

Re: TurboTax Premier now free (for some)

PatrickA5 wrote:
TF Hutch wrote:I was able to purchases Turbo Tax Premier for $0 last night from the link on Vanguard web site. I am a Flagship customer.
This price will be available until January 9, 2015.


Is that the full download version? Did you get a state with that?


Yes, it's the Premiere downloaded version.
by rustymutt
Wed Jan 07, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 3932

Re: TurboTax Premier now free (for some)

Yes I got that email also. But do I get back the sale tax I paid also? It didn't say that. Would be odd if they don't refund taxes paid also.
by rustymutt
Wed Jan 07, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 3932

Re: What do you drive, and why?

I do lots of hunting and fishing. My 2015 4runner gets me there and back. It's built Toyota tough.
Mine is made in Japan. That was way cool for me.
by rustymutt
Tue Jan 06, 2015 4:59 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17379

Re: larry portfolio vs 3 fund portfolio last 2 years

Mine did better than both. Anyone can get lucky once, but lucky twice is tough.
Tow The Line.
by rustymutt
Tue Jan 06, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: larry portfolio vs 3 fund portfolio last 2 years
Replies: 16
Views: 2555

Re: How hard can it be to do TurboTax again?

I find TurboTax really easy to use year after year. I did the business version for 4 years after I retired. You just answer a series of questions. You can back up and redo, or start all over. The most important aspect of this product is that next year, it finds this years return, and auto populates,...
by rustymutt
Mon Jan 05, 2015 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How hard can it be to do TurboTax again?
Replies: 15
Views: 2083

Re: AT&T Stable Value Fund

We put DH's entire lump sum pension in the AT&T Stable Value Fund in March of this year. At that time, the ER was .35%. Now, it is .39ER. I started tracking the yield in April when it had a .69 daily yield and 2.49 one yr yield. Now, it has a 2.32 daily yield and 2.39 one yr yield. Seems to me,...
by rustymutt
Thu Dec 25, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 19
Views: 2327

Re: What are the deferred taxation compounding benefits (401

My own research on this matter concluded that the benefit is only there, for paying the taxes in advance, if you expect to pay out taxes at higher levels, some time in the future. That would leave the opposite of what happened, if your tax level dropped over that period of time instead. Flip a coin?...
by rustymutt
Thu Dec 25, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2025

Re: My Christmas Message To You -- 70 Years Ago.

God Bless you and every last vet for your service, often above and beyond what most of us understand.
Knowing my father and other vets, has been the second biggest blessing in my life. Go USA!
I consider it a privilege to tell you how I feel.
by rustymutt
Thu Dec 25, 2014 12:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5130

Re: How is Ibond cash out reported to IRS on taxes

For the first time ever, I sold I-bonds in 2014, and I'm not sure how it's reported to the IRS on my returns. Will I get a 1099 from the treasury? Or do I just list it as interest received? Tax free at the state level as I understand it. Help would be appreciated. You will receive a 1099-INT from t...
by rustymutt
Thu Dec 25, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How is Ibond cash out reported to IRS on taxes
Replies: 4
Views: 606

How is Ibond cash out reported to IRS on taxes

For the first time ever, I sold I-bonds in 2014, and I'm not sure how it's reported to the IRS on my returns. Will I get a 1099 from the treasury? Or do I just list it as interest received? Tax free at the state level as I understand it. Help would be appreciated.
by rustymutt
Thu Dec 25, 2014 6:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How is Ibond cash out reported to IRS on taxes
Replies: 4
Views: 606

Re: Vertex42 Excel Stock Quote Template stop working

This is why I built my own spreadsheet. I got tired of depending on MS functions, to track my portfolio. It was quite easy to make a spreadsheet that does everything I need, including telling me when to rebalance when any asset gets over 5% off. Life is much better with automation that doesn't keep ...
by rustymutt
Wed Dec 24, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4488

Re: Shiller: Buy & Hold --> Irrational Exhuberance

I just love this Schiller Thriller discussions! What's going to happen next, an American Express Card, with a 3% payback?
by rustymutt
Mon Dec 22, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: Buy & Hold --> Irrational Exhuberance
Replies: 25
Views: 3103

Re: Gas Prices ($1.99) in North Texas

My wife got filled up for $1.95 with our Kroger points. Kansas
by rustymutt
Sun Dec 21, 2014 6:46 am
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3112

Re: Outperforming vs Underperforming Investors in 2014

If one is a more or less globally indexed investor, then every year one owns the best and worst performing assets. It's part and parcel of index investing. And until I can tell beforehand which market sectors will under- and over-perform (a fool's errand), owning the entire market at low cost is, I...
by rustymutt
Sun Dec 21, 2014 6:43 am
 
Forum: Investing - Theory, News & General
Topic: Outperforming vs Underperforming Investors in 2014
Replies: 14
Views: 2395

Re: Free TurboTax for Flagship [Problem obtaining free downl

I just downloaded through Vanguard Premier and had some minor issues, but now have it for a total of $10.70 including state.
I think you have a flash blocker, cookie, or security function, that's blocking your browsers cookies.
by rustymutt
Sun Dec 21, 2014 6:35 am
 
Forum: Personal Consumer Issues
Topic: Free TurboTax for Flagship [Problem obtaining free download]
Replies: 16
Views: 2066

Re: security camera outside away from a power source

I may asked this here before. I know I asked it somewhere and kind of gave up because there didn't seem to be a solution, but I'm trying again. I do volunteer work for a fairly large historic cemetery. There is a repeated problem of someone(s) dumping trash that then costs money to have hauled away...
by rustymutt
Fri Dec 19, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 18
Views: 1753

Re: Roll Call for the Retirement Class of 2014!

My last day of work was April 10, 2014. Age 53. My goal since age 18 has been to retire. I wasn't very focused on it considering it took me 35 years to do it. Although physically I am very active I love it sit around and think. I have always wanted time to think and now I have it! I also love to le...
by rustymutt
Fri Dec 19, 2014 4:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 273
Views: 27643

Re: Yahoo mail

I've used both gmail, and yahoo for years. Both have some issues, but work for me just fine.
by rustymutt
Fri Dec 19, 2014 6:15 am
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 2144

Re: Any pilots here?

I worked in the engineering dept at Beech aircraft in the 70's and got my license through the Beechcraft flying club. Back then a Bonanza was $14 an hour rent, wet. (Wet means including gas) After I left Beech for a new job, I rented 172's for about $45 an hour wet. Just couldn't justify the money a...
by rustymutt
Thu Dec 18, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 5918

Re: Vanguard cd question [Brokered CDs]

I bought a CD in Sept, and sold it in the Secondary market for a nice gain of $2300. And it was because rates went down after I bought it. That made the CD paying 3.4% more value for potential buyers. But you do pay more when buying off the secondary market, so one must use caution when buying from ...
by rustymutt
Thu Dec 18, 2014 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 47
Views: 6320

Re: freezer door won't stay closed GE profile

We had nothing but bad issues with our GE fridge. Never again a GE fridge for us. Junk, and GE knows it. They do make great ovens, and cooktops, but not fridges.
by rustymutt
Tue Dec 16, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: freezer door won't stay closed GE profile
Replies: 8
Views: 915

Re: Should I buy house with a crack?

Is this home built on expansive soil, and did they use the correct engineered forms for that type of soil. Hire a engineer to check this out.
by rustymutt
Tue Dec 16, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3267

Re: Car LED Lights Longevity?

Many reasons that LED assy. could fail. Power supply would be the most likely in my opinion. You might have been about to replace that yourself.
by rustymutt
Tue Dec 16, 2014 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Car LED Lights Longevity?
Replies: 2
Views: 489

Re: Better inflation-indexed guaranteed options?

I don't see you mention commodities, and they are a good inflation hedge also.
by rustymutt
Tue Dec 16, 2014 6:53 am
 
Forum: Investing - Theory, News & General
Topic: Better inflation-indexed guaranteed options?
Replies: 31
Views: 2566

Re: Pop 'n smoke! Whole house power surge

Well now you've got me thinking... why are there 2 wires, not 1? They are both terminated on the ground bar in the panel right next to each other and both run outside. I don't remember the finer details about the 2 ground rods and the loop between them... It's possible they ran a separate run (wire...
by rustymutt
Sat Dec 13, 2014 6:51 am
 
Forum: Personal Consumer Issues
Topic: Pop 'n smoke! Whole house power surge
Replies: 35
Views: 2372
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