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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: 2131

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: 82
Views: 4054

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: 1541

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: 2191

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: 686

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: 832

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: 1165

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: 2676

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: 589

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: 1807

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: 1807

Re: Snake!

Smoke em out.
by rustymutt
Fri Jul 18, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4195

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: 4946

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: 6979

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: 9069

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: 2334

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: 47
Views: 3750

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: 2965

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: 2735

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: 2094

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: 2735

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: 6643

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: 6793

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: 47
Views: 3750

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: 2749

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: 2560

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: 6276

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: 1384

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: 4295

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: 1776

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: 1138

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: 961

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: 4100

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: 7409

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: 2412

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: 8647

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: 984

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: 422

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: 9020

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: 635

Re: Windows XP

Still on XP and will be for a long time, Even without the patches as long as you don;t do anything stupid(click links, download things not trusted, visit non trusted websites) I will be fine. It will take me more than $100 to switch, I have to much customization on these XP machines to switch them ...
by rustymutt
Sun Apr 06, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1664

Re: Portfolio help for 83 year old widow lady

She has decided in a 80/20 bond/equity allocation. To avoid any confusion, it would probably be better to state this as 20/80. Equity allocation is typically the 1st number. OK, thanks you Luke, I appreciate that and will correct it. Wait, that might mess up some copied post, so why Id acknowledge ...
by rustymutt
Fri Mar 28, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Re: Portfolio help for 83 year old widow lady

Is she able to live off her SS and pension? If she is drawing down the funds for living expenses I'd be very cautious about investing in anything riskier than CDs. Even if she says she is willing to accept more risk does she really understand it? My mom says she is willing to accept more risk -- th...
by rustymutt
Thu Mar 27, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Re: Portfolio help for 83 year old widow lady

Take a look at Life Strategy Income fund at Vanguard. It is 20% bonds all in one fund made up of Total Stock Market, Total International Stock market, Total (US) bond market, and international bonds. (You can determine the dollar amount or up to 5-7% annual rate to be sent to her either monthly, qu...
by rustymutt
Thu Mar 27, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Re: Portfolio help for 83 year old widow lady

Take a look at Life Strategy Income fund at Vanguard. It is 20% bonds all in one fund made up of Total Stock Market, Total International Stock market, Total (US) bond market, and international bonds. (You can determine the dollar amount or up to 5-7% annual rate to be sent to her either monthly, qu...
by rustymutt
Thu Mar 27, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Re: Portfolio help for 83 year old widow lady

You may want to look at a SPIA http://www.immediateannuities.com/ There not for everyone, but they have there uses John +1 on SPIA but there may be better places to buy one. That web site is often used when talking about a SPIA because it is so easy to use. You mentioned that she is debt free. Does...
by rustymutt
Thu Mar 27, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Re: Portfolio help for 83 year old widow lady

Johm221122 wrote:You may want to look at a SPIA
http://www.immediateannuities.com/
There not for everyone, but they have there uses

John


Thanks John that's a possible solution. I'll check into those for her.
by rustymutt
Thu Mar 27, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Portfolio help for 83 year old widow lady

Hello fellow Bogleheads. I'm in the process of helping my mother invest about $100K. This is all she has after a small monthly pension, and SS entitlement. She is debt free, and still in good health. She wants better returns than CDs offer currently, and has ask me for help. I'm asking those here wh...
by rustymutt
Thu Mar 27, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1226

Re: Are Vanguard Index Funds pure ??? Not So

My friend, when you buy hot dogs that claim they're 100% all beef, you'd be surprised at what is allowed to be called beef after the slaughter is done.
But by law, they are. Is this a good analogy? Committees do the strangest things.
by rustymutt
Wed Mar 26, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 5035

Re: "Spinning Off" my 20 Year Old Son

I think I'm going through the same thing with my 19 year old. They won't listen to mom, or dad, and know everything. He suddenly learned to lie, and be less than honest with me. We're in the process of setting up his own account at Vanguard, and letting him manage his money 100%. He'll be on our hea...
by rustymutt
Wed Mar 26, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 6342
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