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Re: fleeced by an adviser, is there a recourse?

As an advisor, I can tell you the odds are stacked against the consumer. Everything is disclosed but it's disclosed in such a way that the "so what" is buried deep in a thick document and in such a technical way that the consumer has virtually no chance of understanding. Advisors attend t...
by rustymutt
Wed Oct 29, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 69
Views: 5883

Re: MS Windows 7 Dead?

http://support2.microsoft.com/lifecycle/default.aspx?LN=en-us&x=3&y=10&c2=14019 Jan 2015 for normal support, Jan 2020 for extended support. Extended support is essentially security patches. But if you pay for support during the extended period you can get more help if needed (not worth ...
by rustymutt
Wed Oct 29, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 23
Views: 1561

Re: Paul Merriman criticism?

Please note that the term "evidence-based" was mine. I don't even recall Paul using the term. I used it in the literal sense, meaning based upon evidence. My point was that his recommendation to tilt (like nearly all other tilting recommendations) is based upon the past performance of ass...
by rustymutt
Tue Oct 28, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 47
Views: 2678

Re: Paul Merriman criticism?

As another good man said, "There is more than one road to Dublin".
by rustymutt
Tue Oct 28, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 47
Views: 2678

Re: Paul Merriman criticism?

His approach is evidence-based I don't buy into the term "evidence based" investing. It means there is evidence in the past data to support past results. Isn't that true for everything? Long-term bonds have yield more than short-term bonds, therefore there is evidence that they may yield ...
by rustymutt
Tue Oct 28, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 47
Views: 2678

Re: Paul Merriman criticism?

Iv'e listened to John Bogle years ago on Paul's internet show, "Sound Investing". He's also a retired professional advisor who has help many, many people for absolutely free, my self included. I've heard Larry on his show also, as they both use DFA funds. I've also gotten answers to my que...
by rustymutt
Tue Oct 28, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 47
Views: 2678

Re: Store or cut up un-needed credit cards?

Toons wrote:Cut,in the trash :happy


+1 And don't get anymore.
by rustymutt
Mon Oct 27, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2444

Re: Tilted to SV by mistake, should I TLH out of it?

You knew that any time you invest in stocks you can lose principle? Any asset class of stocks can go down. Are you worried about the other stocks you own, or just the ones in a down cycle? I own SCV, but I also own other asset classes that have done well. I'm only up 2.7%, but last year it was over ...
by rustymutt
Mon Oct 27, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1651

Re: Using your own equipment on Uverse and Comcast

Paul, I've got AT&T Uverse, and we don't pay rent on it. It was part of the plan. They have replaced it twice in two years, as the Motorola modem tends to be a piece of junk. We also have our landline with them, and have the plan that repairs our inside wiring if needed at no cost.
by rustymutt
Mon Oct 27, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1635

Re: Building a New House, Advice please.

I've built a home in the past, and if I ever do it again, I'll hire an Architect to help with details for the builder. Builder are not concerned with details, why a hired Architect is. Hardware specs plumbing specs Electric specs framing specs foundation specs lot layout specs top soil specs drainag...
by rustymutt
Sun Oct 26, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 5537

Re: Lump Sum vs Pension

Take a look at your 401k, and see how it's return has averaged over the last 6 to 8 years. By using history, and an average of 4%, you can easily compare and use rational to help make up your mind. We decided to take lump pension in 2009, it worked out well for us. We have managed to receive a highe...
by rustymutt
Sun Oct 26, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum vs Pension
Replies: 15
Views: 1376

Re: "The best response to market volatility"

Thanks for the reminder Taylor!
by rustymutt
Fri Oct 17, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3350

Re: Be careful if you get this email

Optimistic wrote:Never open an attachment that comes from an unknown source!



I'll go one step further with the advise and suggest not opening any attachments, even if you know the person. Some machines get taken over by these zombies, and send out nasty viruses to others, using the mail list.
by rustymutt
Fri Oct 17, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1958

Re: where should I allocate my Fixed Income portion?

john94549 wrote:Widen your horizons to CDs.


3.4% for 10 years isn't chump change. I repeat the advise to look into CDs.
by rustymutt
Tue Oct 14, 2014 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 659

Re: *Best town I've never heard of

My SO's parents live in Sebastopol, CA. Beautiful Northern CA town that is small. I am not sure about the schools honestly, but parent involvement is huge, which is a good thing. About 1 hr away from San Francisco. Hidden from the ocean, but close so weather is still mild. I like visiting and ridin...
by rustymutt
Sun Oct 12, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9775

Re: Spreadsheet to track AA bands

I have made my own spreadsheets with OpenOffice. It's very easy with Getquote (Getquote is an OpenOffice extension) being downloaded fresh each time it's opened. You must keep you Java up to date for this to work correctly. It tells me at a glance what my return rate is on each asset, and how much t...
by rustymutt
Sun Oct 05, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet to track AA bands
Replies: 8
Views: 567

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: 107
Views: 5415

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: 865

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: 1056

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: 3004

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: 992

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: 530

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: 1672

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: 822

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: 3037

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: 3189

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: 3189

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: 3189

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: 2323

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: 2323

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: 2057

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: 4812

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: 2701

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: 2155

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: 1139

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: 878

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: 6707

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: 10137

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: 5877

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: 8225

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: 12582

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: 3185

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: 2998

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: 1107

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: 684

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: 5028

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: 2756

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: 2621

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: 58
Views: 3961

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: 442
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