Search found 2991 matches

Go to advanced search

by rustymutt
Tue May 26, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 823

Re: Outside a/c fan isn't running (10 yr old system)

Many small reasons exist for the a/c outside unit (The compressor, and coils unit) not running at all. First, fuses, and breakers. Relays go bad. Starter capacitors go bad. Mice can chew through control signal cabling. Call your heating and air company and put in a service call. It might be a minor ...
by rustymutt
Mon May 25, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3868

Re: Why government bonds at all?

I was taught to re-balance once a year at the same time, and that's what I did. The organization seemed to work well. That was one heck of turn back in 08, and I wasn't sure in June 09 if I was doing the right thing. Turns out I did. It also helped me that I was retired in June of 09, and had been m...
by rustymutt
Mon May 25, 2015 6:11 am
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3370

Re: Why not overweight international?

I would mostly agree with you assessment. My only concern is that the US companies are special. Large, multinational companies are overrepresented in the US market. These tend to be big dynamic companies that generate lots of growth. Not all markets are created equal. Every time I start to think th...
by rustymutt
Sun May 24, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3868

Re: Why government bonds at all?

Because they do really well during market crashes, or sharp sell offs. Treasuries are the one thing that didn't drop for me, but roose up nicely do to market demands. I was taught to keep the risk on the equity side of investments, and not the fixed income side. CDs, Treasuries. Out of curiosity, d...
by rustymutt
Sun May 24, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3868

Re: Why government bonds at all?

Because they do really well during market crashes, or sharp sell offs. Treasuries are the one thing that didn't drop for me, but roose up nicely do to market demands. I was taught to keep the risk on the equity side of investments, and not the fixed income side. CDs, Treasuries.
by rustymutt
Sat May 23, 2015 8:18 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6813

Re: Bill Gross Thinks the End Is Near

When I read the title I first though that Mr Gross had been diagnosed with a life threatening illness.
Hasn't he been predicting for decades, and getting it wrong most of the time? He got it right a few years back, and has ridden that train for years. Anyone can get lucky a few times.
:sharebeer
by rustymutt
Sat May 23, 2015 8:15 am
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 8677

Re: Not your father's Total Bond Market Fund anymore

The time periods used for analysis is during a time that saw interest rates going down. So seeing growing charts doesn't surprise me at all. I'd be interested in knowing how the various bond funds do in rising interest rates more than declining rates. I'm betting we'd see a different story all toget...
by rustymutt
Fri May 22, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3370

Re: Why not overweight international?

That would be a smart beta factor, and on the surface looks really good. But many of us already know this factor exist and are using it. Of equalities, I've been 50/50 US/IntNL for a long time now. IntL equities helped my portfolio out much during the 2000-03 recession. They can go south in a hurry ...
by rustymutt
Fri May 22, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6813

Re: Bill Gross Thinks the End Is Near

staythecourse wrote:Let's say Mr. Gross is spot on that stock and bond market underperform going forward. So what is an investor to do? That is why I think statements like that are so IDIOTIC. If one does not say what the better option is then just ranting.

Good luck.


Plus one!
by rustymutt
Thu May 21, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 10391

Re: Neighbor hired a surveyor. Should I be nervous?

I suggest you bake him a dozen cookies, and go welcome him to the hood. Then politicly mention the fence, and ask if you should be concerned. I"m sure not, and then you can have milk and cookies together.
:sharebeer
by rustymutt
Wed May 20, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: Sewer line replacement - who to call?
Replies: 21
Views: 1464

Re: Sewer line replacement - who to call?

Get at least 3 quotes, with material written out. Make sure that all 3 quotes are approved and licensed for plumbing.
Someone will do it for less than the first quote, but you've got to some work to save that money. Good luck.
:sharebeer
by rustymutt
Tue May 19, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1616

Re: Malwarebytes Anti-Exploit

People are commenting about Malwarebytes Anti-Malware when the question was about Malwarebytes Anti-Exploit. Two different programs. Anti-Exploit is specifically for browsers. Popular software programs contain millions of lines of code. Bad guys exploit flaws (vulnerabilities) in the code to delive...
by rustymutt
Sun May 17, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Prescott and Prescott Valley Arizona
Replies: 8
Views: 832

Re: Prescott and Prescott Valley Arizona

Prescott is indeed cooler. Other places to consider that are appreciably cooler that Phoenix are: Flagstaff; Sedona; Casa Grande; and Show Low. In Arizona altitude is climate. Flagstaff is cooler than Prescott which is cooler than Sedona. Sedona is so crowded now in summer months. It take it way to...
by rustymutt
Sun May 17, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 26
Views: 1139

Re: Keep underground storm cellar (in Florida)?

ddurrett896 wrote:Are you kidding - that sounds like a dream to have. I dream about having an underground area beneath my garage for guns, safe, whatever!

If your worried about kids, throw a lock on it.


Any guns you store in that under ground bunker will rust badly.
by rustymutt
Sat May 16, 2015 6:45 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4180

Re: Emerging Markets: Yes or No?

Yes, as to my written investment plan summary. 6% in an ETF EEMS. But remember, there are different types EM etf's, and funds. Know what you own, and understand the risk, and why we take those risk. Many studies have been done on this subject, I'm sure.
by rustymutt
Sat May 16, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 168
Views: 10860

Re: How much does social security factor into your retirement income?

joe8d wrote:Retired 11 years and SS is absolutely the most important component of my retirement income.



+1
by rustymutt
Fri May 15, 2015 6:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard's email "The case for a global portfolio"
Replies: 46
Views: 4097

Re: Vanguard's email "The case for a global portfolio"

I've held international ETFs for years now, and have no plans to change that. Of my 60% equities, half that is international. I was taught that was a wise move, and I've seen it come through for my portfolio many times in the past. :sharebeer
by rustymutt
Tue May 12, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1635

Re: Having a website

I had my small business that started in 09 after a career with huge firm, and used Google as my web engine. I setup the site myself and did everything. For me, it was more a single page ad, that communicated my skills, and abilities why giving out my contact info. I even uploaded a free label for my...
by rustymutt
Fri May 08, 2015 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 5
Views: 1347

Re: Can you no longer hide zero balance funds at Vanguard?

Call Vanguard client services, and ask them your question. You still can, but it's not in the same place it use to be.
:sharebeer
by rustymutt
Thu May 07, 2015 6:18 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 2901

Re: Round Numbers in Portfolio Allocations

What does "investment savvy" have to do with round numbers? I don't see how this addresses the issue at all. Agree here. If you understand why you have an asset allocation (in general), why your AA is what it is, and how to rebalance...then it doesn't matter what the numbers are. Especial...
by rustymutt
Sat May 02, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Electrical extension cord for a major appliance
Replies: 16
Views: 1207

Re: Electrical extension cord for a major appliance

Do you know ohms law.

Voltage=Resistance x Current

Or

V=IxR where I =current, v=volts, and R=resistance
by rustymutt
Thu Apr 30, 2015 5:00 am
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 64
Views: 7568

Re: My new dishwasher doesn't clean

We have stopped buying anything at Sears. They started selling junk a few years back, and it's just cheap junk in my opinion.
by rustymutt
Tue Apr 28, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 5431

Re: Best (Available)Red Wine for under $15 preferrably under

srqfacc wrote:Columbia Crest Cabernet. $7.99 at Costco. Routinely better than many $20 bottles IMHO


+1 dang good drink for the buck.
by rustymutt
Tue Apr 28, 2015 7:22 am
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6494

Re: Who's holding cash?

mhc wrote:Holding cash is a guaranteed way to lose money. Inflation will slowly erode the value.


+1

Cash isn't king anymore. :sharebeer
by rustymutt
Mon Apr 27, 2015 8:46 am
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9213

Re: Do REITs really offer effective portfolio diversificatio

I do invest in international REITs for the same reason, it's even more diversifying that just US REITs And it is a different money stream also. Much the same, as people everywhere need space to do business. I think when a more normalized market growth occurs, and it will, that's even more important ...
by rustymutt
Mon Apr 27, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9213

Re: Do REITs really offer effective portfolio diversificatio

abuss368 wrote:I presently invest in U.S. and International REITs to provide additional diversification to both Total U.S. and Total International Stock Index Funds.

Best.



+1
by rustymutt
Mon Apr 27, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 12
Views: 1640

Re: Terminating ADT Alarm Service

This is why I don't pay with credit card, or debit cards. Or bank draft for that matter. I had the YMCA continue to bill me 5 months after I'd given written notice to stop my membership. I started back up and pay annually by check. I also cancelled ADT about 18 years ago. To expensive for us. I got ...
by rustymutt
Mon Apr 27, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website (dividend reinvestment)
Replies: 3
Views: 361

Re: Vanguard Website (dividend reinvestment)

This is why I have my dividends put in the prime money market account, rather than re-invested back into the fund that created it. I than use that money to help balance, or start a new investment. When I was young, that just went right back in.
by rustymutt
Sun Apr 26, 2015 8:03 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3361

Re: How far away from a freight railroad track should you li

At least 5 miles I would think. 5 miles just gets you that long low lonesome sound. At least 10 to not hear that lonesome sound. :sharebeer Honestly, we have a track 1 block away, and his horn only sounds a couple times a week, and it's not that bad. He's a tame engineer I suppose, as some might ha...
by rustymutt
Sat Apr 25, 2015 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for 3-5 years
Replies: 12
Views: 1106

Re: Investments for 3-5 years

Go with a government backed low cost bond fund, short term.

You get your money back at least.
by rustymutt
Sat Apr 25, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for 3-5 years
Replies: 12
Views: 1106

Re: Investments for 3-5 years

I feel like the risk here going forward is not being invested in stock markets, through low cost funds, and good market coverages. I'm personally 60 equities, and it's been slow and steady. Sure I get nervous, but to not be in means I don't catch that increase in the market. Cost of money is cheap, ...
by rustymutt
Fri Apr 24, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4450

Re: Peter Bernstein's 60/40 solution

I was reading John Bogle's book Enough on my way to work tonight and I was very disappointed to find out that after Peter L. Bernstein gave such sound advice in a 2001 essay titled "The 60/40 Solution" (60 percent stocks, 40 percent bonds), a strategy focused on emulating investment torto...
by rustymutt
Fri Apr 24, 2015 6:25 pm
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3791

Re: What is too long to stay the course?

HardKnocker wrote:The Captain of the Titanic stayed on course too long.

Image



He was just misguided.
by rustymutt
Wed Apr 22, 2015 6:12 am
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2915

Re: Broken Oxygen Sensor on Car

You can't get dealership service of any kind here without it costing you an arm and leg. Go to another shop that's not affiliated with any dealership and get it done for half that most likely.

:sharebeer
by rustymutt
Tue Apr 21, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11106

Re: How much do you pay in Property Taxes?

Currently living in Kansas and our house was assessed at 300K and we paid $3648. or about 1.23% of assessed value. Local taxes are going up with the new cuts in income taxes for businesses.

:sharebeer
by rustymutt
Tue Apr 21, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11106

Re: How much do you pay in Property Taxes?

LRDave wrote:$2636 - for a 4/2.5 suburban 3000 sqf home - 2/3 acre - value: $290K

Metro Altanta

Some of the responses in this thread made me throw up in my mouth a little bit. :D


Didn't Ga just pass no income tax?
by rustymutt
Mon Apr 20, 2015 7:40 am
Forum: Personal Consumer Issues
Topic: Ornamental Grasses for Midwest
Replies: 10
Views: 999

Re: Ornamental Grasses for Midwest

We have Little Bluestem grasses that are planted in clumps in our landscaping in zone 4. It is native to the midwest and does well though if you can burn it in late winter/very early spring, it grows like there is no tomorrow. We have a couple acres of land and I'm seriously contemplating planting ...
by rustymutt
Mon Apr 20, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 20
Views: 1904

Re: Roof shingle selection

We had one of these roofs installed 2 years ago and love it. It's a 50 year roof able to withstand baseball sized hail, and winds in excess of 100 mph. And it's been tested this year with both wind and hail. Each single overlaps the one next to on a corner, and they are attached with a nail at each ...
by rustymutt
Sun Apr 19, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 808

Re: Anyone built a [LEED] rated green house?

LadyGeek wrote:FYI - I fixed the title. The OP can change the thread's title by editing the Subject: line in Post #1.

rustymutt - Feel free to change it as needed.


Thank you so much. I've been wondering if I could do that somehow.
by rustymutt
Sun Apr 19, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 808

Re: Anyone built a Leer rated green house?

Living in a house with ICF walls is very quiet. Might be good in a dense urban area. Any framing crew can install SIP walls so they are cheaper than ICF walls. A SIP roof would be a very good investment. A good contractor can do more than just you specifying high quality insulation. Spray foam on w...
by rustymutt
Sun Apr 19, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1475

Re: Anyone here experience a change to a "right to work" sta

States converting over to right to work status are doing so to give companies, and states more control over employees. (cutting cost) Kansas where I live and worked, is a right to work state. I was always in the union, but didn't have to be. The issue is that in a right to work state, non union empl...
by rustymutt
Sat Apr 18, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 808

Re: Anyone built a Leer rated green house?

You mean a LEED home rather than a Leer. Leed homes aren''t worth the effort. Too much paperwork and inspections required, you will be very limited by the choice of contractors/architects, and very few green-nuts would want to purchase such an unconventional home. Instead, building an energy star h...
by rustymutt
Sat Apr 18, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 808

Anyone built a [LEED] rated green house?

I was wondering if anyone has built a Leer energy efficient green home? I'd love to build a home with all the latest greatest energy features such as, geothermal heat pump, blow in foam insulation, sun panels, might even have a wind mill for electricity production. Has anyone ever gone that route, a...
by rustymutt
Sat Apr 18, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1904

Re: What Is The Worst Car You Have Ever Owned?

A 1974 Mustang II, and a Dodge Coronet wagon. Both junk in my books. Trouble at the very start and never stopped.
by rustymutt
Fri Apr 17, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: replacing capacitors on a heat pump
Replies: 14
Views: 1385

Re: replacing capacitors on a heat pump

Starter caps are not that expensive. You might want to get the part number and look them up online. I replace my a/c compressor cap last year and I believe it was $41. It's a big capacitor, but just cranks out enough current to help the comp get going. You have to let this unit sit for about an hour...
by rustymutt
Fri Apr 17, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 1994

Re: M* Article today 4/17 on ATT's shaky dividend

Hi Paulie, I to am a retired T guy. I would recommend you find a CPA/advisor to help you with this. Many advisors post here on bogleheads. You need a some help with getting that stock converted to other more diversified investments, and the taxes could be huge. Make sure you deal with a fiduciary. M...
by rustymutt
Fri Apr 17, 2015 11:52 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15472

Re: Bernstein: "If you've won the game, stop playing."

Every investor should have a written investment plan, and stick with it regardless of outside pressures. This should be common place training in our educational system, but it's lacking horridly. Kids today don't even know what an algorithm is, yet alone a risk adjusted return, or inflation hedge. ...
by rustymutt
Fri Apr 17, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15472

Re: Bernstein: "If you've won the game, stop playing."

Every investor should have a written investment plan, and stick with it regardless of outside pressures.
This should be common place training in our educational system, but it's lacking horridly. Kids today don't even know what an algorithm is, yet alone a risk adjusted return, or inflation hedge.
by rustymutt
Tue Apr 14, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5911

Re: How does a retired person mitigate a Bond Bubble?

What bond holdings does she have? Duration? Type (Govt vs. Corp)? Quality (Investment Grade vs. Junk)? In general, if she holds high quality with intermediate duration, then she is not going to suffer very much, at least relative to those holding longer duration or lower quality. I would also remin...

Go to advanced search