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Re: Oatmeal suggestions

+ one on the Bob Mills steel cut oats.

Heart healthy food.
by rustymutt
Tue Sep 30, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3177

Re: What to look for in a homeowner's policy

Try Electric Insurance company out of Massachusetts. Half the premiums of most agent paying companies. We've been very pleased with this firm. Good folks when you need it most. Electric Ins. 1-800-2272757 They aren't in Colorado, but in Kansas. Members of my family have been switching over for the l...
by rustymutt
Thu Sep 25, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: What to look for in a homeowner's policy
Replies: 11
Views: 834

Re: Are trash compactors good things?

We have a Kitchen-aide compactor, and it's full once every month with paper only products. Weights in at about 75 pounds full of paper stuff. We place no food items in it. Wife uses regular trash bags that fit it. Cheap bags.
by rustymutt
Thu Sep 25, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1022

Re: Biggest discretionary expense in retirement?

ddunca1944 wrote:For us, that is travel.



+1
by rustymutt
Tue Sep 23, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 2920

Re: Home Security System

I switched from ADT to Protection One 10 years ago. Protection one reused the existing system, and monthly charge was less. We've paid 215.4 a year since. They also try to raise my rates, and I simply tell them to cancel my service if you must raise my fee. We've not had any alarms, so they don't de...
by rustymutt
Sun Sep 21, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: ADT Home Security System
Replies: 9
Views: 962

Allen Roth contribution to article.

I know that Allen Roth is a contributing author here at Bogleheads, so I thought that I'd post this link to a article that he helped contribute to. We personally enjoy Mr Roth's suggestions.

http://www.marketwatch.com/story/3-fast ... 2014-09-20
by rustymutt
Sun Sep 21, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Allen Roth contribution to article.
Replies: 6
Views: 524

Re: wine recommendations for this meal?

I would suggest serving a small but well equipped drink of wine with each servings offered. I personally would enjoy a red zin, or cab with any of those dishes you named, but then I'm a red freak. Many would prefer white wines like a champagne with the peaches and cheese. Each to their own, and bon ...
by rustymutt
Thu Sep 18, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: wine recommendations for this meal?
Replies: 22
Views: 1631

Re: Jack Bogle on Diversified Portfolios vs Speculation

Great interview. Thanks for the link.
by rustymutt
Fri Sep 12, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Diversified Portfolios vs Speculation
Replies: 5
Views: 810

Re: New Roof Needed Soon... Advice?

I just had a shake roof replaced with this product, and we're happy. It's made in Kansas City and based there.

http://www.davinciroofscapes.com/products/
by rustymutt
Fri Sep 12, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 2990

Re: Neighborhood kid around 13 throwing rocks at my house

For those trying to understand why a 13 year old would do this - don't bother. This does not mean he will be a hardened criminal. His brain is undergoing many changes at this time. As I said above, kids that age do crazy things and then most of the time grow-up to be fine citizens. I would handle t...
by rustymutt
Fri Sep 12, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3131

Re: Neighborhood kid around 13 throwing rocks at my house

For those trying to understand why a 13 year old would do this - don't bother. This does not mean he will be a hardened criminal. His brain is undergoing many changes at this time. As I said above, kids that age do crazy things and then most of the time grow-up to be fine citizens. I would handle t...
by rustymutt
Fri Sep 12, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3131

Re: Neighborhood kid around 13 throwing rocks at my house

You could either... 1) Meet the people who live in his house and talk to them about it 2) Call the police 3) Live with it Let's go with what's behind number 2) Lets set some simple ground rules for this type behavior straight up. Unacceptable in our hood. File a report with the police, and then the...
by rustymutt
Fri Sep 12, 2014 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3131

Re: Future direction of U.S. stock market

The red line shows the fifty-year record of a non-U.S. national stock market. I've drawn a couple of red arrows. Do you think they represent reasonable projections of the likely future range of performance for that stock market? Oh, you know, there are never any guarantees, of course, but sensible ...
by rustymutt
Thu Sep 11, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2303

Re: Future direction of U.S. stock market

As a future expert on what's about to happen with the S&P charts, I'd say that's fair to see current valuations at these levels and higher, or lower, depending on the fed shut down of the programs put in place to keep our economy flowing normally. I worry that my nation is going to become consti...
by rustymutt
Thu Sep 11, 2014 8:36 am
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2303

Re: Trying to get my company to switch to Vanguard 401(k)

Good luck getting that done. Whose paying who behind the scenes for 401K management firms. I think that all investors should be able to invest their own 401k however they see fit. Lets get that changed at the Federal Level, and make investing cheaper for all. Stop the new middle men from starting a ...
by rustymutt
Thu Sep 11, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 1962

Re: Costco vs Amazon?

Costco!!!!

And we only have Sam's club now. Can't wait til Costco opens next year. Bye Sam's
Sam's service is the worst of any businesses we use. I can't stand Sam's clubs anymore.
To many bad experiences with Sam's clubs. Poorly managed here.
by rustymutt
Thu Sep 11, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4615

Re: BMW X3 vs Mercedes GLK350

OK funeshah, here is my two bits worth. I'm almost 60 years young, and at 6'5" 260lbs in January this year traded my 1994 GMC Suburban, for a 2012 4 Runner, and both the wife and I love it. V6 getting 21 mpg average on trips. This is an off road vehicle, not luxury. We've put about 11K since Ja...
by rustymutt
Thu Sep 11, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: BMW X3 vs Mercedes GLK350
Replies: 33
Views: 2661

Re: Lawnmower/gas issues

Always treat your gas with Stabilizer that contain ethanol treatment. Ethanol draws moisture, and that's what causes the issues with motors. When they sit for long periods, over winter, specs of remnants of moisture build up on the needles inside the carbs.
by rustymutt
Sat Sep 06, 2014 6:30 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2075

Re: Issues with home inspector?

I've never thought much of home inspectors. They're usually referred by realtors, and they know never to be "deal killers" or they won't ever be referred again. I'll hire one the next time, as usual, but I don't actually rely on them. Not sure what recourse you have. The first home I ever...
by rustymutt
Fri Sep 05, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1093

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: 857

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: 85
Views: 6625

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: 67
Views: 9959

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: 41
Views: 5783

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: 87
Views: 8058

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: 189
Views: 12291

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: 3157

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: 29
Views: 2914

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: 1077

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: 645

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: 4941

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: 2750

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: 42
Views: 2539

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: 3251

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: 438

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: 438

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: 6350

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: 1948

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: 1918

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: 4442

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: 7542

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: 2549

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: 2379

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: 5862

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: 1630

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: 2245

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: 781

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: 875

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: 1190

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: 2732

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
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