Search found 3008 matches

by rustymutt
Tue Jun 30, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3090

Re: Am I in a Bad Position?

Don't even pay any attention to it. My portfolio dropped about $50K yesterday. Does that make you feel better? But then the market is up today and I bought yesterday, so by Friday I'll probably forget the day even happened, and certainly 20-30 years from now I won't remember yesterday at all. Some ...
by rustymutt
Tue Jun 30, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: Graham's "margin of safety" for US stocks (6-29-15)
Replies: 24
Views: 4275

Re: Graham's "margin of safety" for US stocks (6-29-15)

The one flaw with Mr Graham's assertions, he fails to mention that bull markets can run way longer than the average in any given set of years. Point to the 1990's as a very strong oppositions to his suggested market mania mess. So only the buy and holders get a benefit, if this theory pans out again...
by rustymutt
Tue Jun 30, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 24
Views: 2139

Re: How to use SSD computer

Because the power rectifiers go from ac current to dc current, "alternating, and direct current" it serves as a good power filter to offer protection from both brown outs, and spike, or surges in current due to power fluctuations, and outages. Put everything powered that works off micropro...
by rustymutt
Tue Jun 30, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 66
Views: 6786

Re: Money arguments with spouse and how did you resolve

itstoomuch wrote:If you are the guy- she is right.
If you are gal-you are right.
To be PC, then both will need to come to some type of resolution.


It's much like a good game of chess. Move carefully, and fully expect an attack from your rear.
Does your spouse enjoy a good game of chess?

:sharebeer
by rustymutt
Tue Jun 30, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: federal tax return rejected
Replies: 14
Views: 1791

Re: federal tax return rejected



Plus one! :sharebeer
by rustymutt
Tue Jun 30, 2015 8:34 am
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3090

Re: Am I in a Bad Position?

So know that the difference in attitudes can make even a bad position seem good for a bit, or maybe two bits, and visa-versa.
by rustymutt
Tue Jun 30, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 10 year Broker CDs vs 10 year Treasury
Replies: 27
Views: 2499

Re: 10 year Broker CDs vs 10 year Treasury

Ten years is a long time. Actually, it isn't. We're 68, and have been investing since our 20's (roughly 45 years). At 59 years old, I don't see 10 years as all that long of horizon, but if I was 84 years old I would. So age is a huge factor here for older people. 10 years of 3.2% is very stable at ...
by rustymutt
Fri Jun 26, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 43
Views: 3215

Re: Colorado Vacation suggestions

You might enjoy the horse back riding in the high country. You'll see views unobtainable from any roads. They are about everywhere in Colorado. My favorite is near Crested Butte. You can do 2 hour or all day horse back. If you really want the close mountain feeling of the wildlife in Colorado, this ...
by rustymutt
Fri Jun 26, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5282

Re: Squirrel nemesis

Put down some hot pepper powder. They don't like spicy digs.
:beer
by rustymutt
Wed Jun 24, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 19942

Re: What was the 2008 crash like in real time?

For the most part I was already on the sidelines, as I was gearing up for retirement in 2009. So we watched in horror as day after day the markets fell. I'd moved my money to a cash type account so as to be ready to rollover my 401K to Vanguard. Even so, the draw back was that in March of 09, the bo...
by rustymutt
Fri Jun 19, 2015 9:09 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9787

Re: Free Windows 10 Upgrade, Yes or No?

DVMResident wrote:
Sidney wrote:Just install the Pro version.


For $80 more, no thanks. There's nothing in Windows 10 Pro worth $80 over 7/8.1.



May not be for you, but for others the features of the Pro version are worth the money. To each their own.
:sharebeer
by rustymutt
Thu Jun 18, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4700

Re: New to Golf

Welcome to golf! It's a wonderful game for those who have the time and ability to play. I'd be patient about spending much on a used set. Perhaps someone close to you could loan you a set. My first set came from a department store sporting goods department. They were Northwestern, Nicklaus Golden be...
by rustymutt
Mon Jun 15, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5041

Re: Where do you keep your to do list?

ON my PC. I use it daily, so it just makes sense.
by rustymutt
Mon Jun 08, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Ellis Asset Allocation Ranges
Replies: 17
Views: 1377

Re: Charles Ellis Asset Allocation Ranges

I personally think he is too aggressive. In the end you may end up having more, but how many regular folks can stay the course when we have a major correction with a 90% stock allocation. If you can stay the course, it may be the right thing for you. Warren Buffett is in the same camp and thinks th...
by rustymutt
Wed Jun 03, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 59
Views: 4022

Re: What is total return vs. dividend investing?

miriam2: If you are still there, this Vanguard Study should answer your question: Spending From a Portfolio: Implications of a Total-Return Approach Versus an Income Approach for Taxable Investors Best wishes. Taylor Nice read, and I learned that I'm a total return type investor. Thanks Taylor!
by rustymutt
Tue Jun 02, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 246
Views: 26623

Re: Warning Signs

Steady at the helm mates! Ride the energy waves of capitalist democracy to Glory! Or wait, if the market crashes you ride the waves straight to hell in a hand basket, and that's not good. I love a balanced simple asset allocation. You simply set it, and forget it. It's just that easy, with less risk...
by rustymutt
Fri May 29, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: My son needs a double lung transplant
Replies: 41
Views: 7352

Re: My son needs a double lung transplant

Sorry for your son's medical condition, but why does he need an attorney to get disability benefits? Anyone can apply for disability without an attorney.
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: 947

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: 4377

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: 3674

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: 4377

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: 4377

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: 7362

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: 9765

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: 3674

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: 7362

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: 11183

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: 1566

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: 1828

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: 894

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: 48
Views: 3296

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: 4593

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: 169
Views: 12545

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: 4438

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: 1920

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: 1390

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: 3057

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: 1318

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: 8126

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: 5946

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: 6893

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: 9656

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: 9656

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: 1831

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: 406

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: 4017

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: 1142

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: 1142

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: 4657

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...

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