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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 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments for 3-5 years
Replies: 11
Views: 603

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
Sat Apr 25, 2015 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments for 3-5 years
Replies: 11
Views: 603

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 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 31
Views: 3529

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
Fri Apr 24, 2015 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3174

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
Wed Apr 22, 2015 6:12 am
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 42
Views: 2416

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 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 175
Views: 8047

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
Tue Apr 21, 2015 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 175
Views: 8047

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 7:40 am
 
Forum: Personal Consumer Issues
Topic: Ornamental Grasses for Midwest
Replies: 10
Views: 880

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
Mon Apr 20, 2015 7:34 am
 
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 16
Views: 1357

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 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 750

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 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 750

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
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: 1435

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 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 750

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 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 750

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
Sat Apr 18, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1762

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 6:55 pm
 
Forum: Personal Consumer Issues
Topic: replacing capacitors on a heat pump
Replies: 14
Views: 1350

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 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 1940

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 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14739

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: 14739

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...
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: 5727

Re: TAXES...oh...taxes...

abuss368 wrote:Dividends are taxable whether the proceeds are received in cash or reinvested in additional shares.


Unless in a Roth IRA.
by rustymutt
Tue Apr 14, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: TAXES...oh...taxes...
Replies: 28
Views: 3403

Re: VPN killing my Internet

harrychan wrote:Call up your vpn provider.


+1 They may have a software issue that can easily be resolved. Many providers don't allow for VPN unless you specifically ask for that capability. QOS is an absolute with VPN, and many cable companies don't have this.
by rustymutt
Tue Apr 14, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2744

Re: Finally some good news on retirement

I read this today and totally agree with it. You don't need as much as they claim. But that said, I'd rather have to much, than to little. :sharebeer
by rustymutt
Mon Apr 13, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9041

Re: Kitchen upgrade - granite selection help

Don't go black, as it's harder than heck to keep looking nice.
by rustymutt
Sun Apr 12, 2015 7:10 am
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4296

Re: Cutting the cable cord - how did you do it?

Is anyone going to bite on the $14.99 HBO subscription? I received an email from Apple today notifying me of a 30 day free trial opportunity. The thing about the cord cutting is leaving it cut. Once you start adding back - Netflix, Hulu, Sling, HBO, etc. you may as well just stay with the cable com...
by rustymutt
Fri Apr 10, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9652

Re: Bonds, or Bond fund/ETFs

I also think a active managed bond fund would do better than a indexed bond fund. How the heck do you index bond funds? A bond manager can cherry pick the bonds to be sold to pay a seller of the fund.
by rustymutt
Fri Apr 10, 2015 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, or Bond fund/ETFs
Replies: 8
Views: 383

Re: Cutting the cable cord - how did you do it?

I am planning on cutting the cable cord soon and would like to know how folks have done this. I only need the basic local channels since that is all I watch - even though my cable bill is about 30 bucks a month for home much I watch its not worth it for how much TV I watch. I live about 7 miles fro...
by rustymutt
Fri Apr 10, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9652

Bonds, or Bond fund/ETFs

Read an interesting article on Market Watch. This made me wonder if buying bonds in a fund/ETF is less a smart investment than buying individual bonds. His claim that is when bond price fall because of rising interest rates the individual bond owner will get his money back at the end of maturity, an...
by rustymutt
Fri Apr 10, 2015 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, or Bond fund/ETFs
Replies: 8
Views: 383

Re: Am I part of the problem??

I think that's for you decide and nobody elses business. I find it strange that you'd ask such a question.
by rustymutt
Thu Apr 09, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8723

Re: Small cap premium

I think it's more long term exposure to this asset class that drives this. Most investors want immediate results and are not willing to wait it out. I also believe that large companies drive some of the small premium, by take overs. For example, if you're the CEO of Verizon, or AT&T, a small equ...
by rustymutt
Thu Apr 09, 2015 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Small cap premium
Replies: 32
Views: 2384

Re: Small cap premium

I just read this Market Watch article by Paul Merrimen yesterday.

http://www.marketwatch.com/story/how-to ... 2015-04-09
by rustymutt
Thu Apr 09, 2015 8:43 am
 
Forum: Investing - Theory, News & General
Topic: Small cap premium
Replies: 32
Views: 2384

Re: Buy riding mower or hire service to cut grass?

You can buy my used 42" mower. I'm hanging up the mowing shoes. Sick and tired of mowing grass, and won't anymore. Filthy dirty job and I've done mowed since I was 9 and damn it, I'm done with it.

:sharebeer
by rustymutt
Sat Apr 04, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 3950

Re: Asset Allocation differences

I like what some here at Bogleheads say, "Why take risk when you've won the game". And when is the game over? I always thought that you keep playing until you are six feet under. No, the game is over when you've got more than you need to be happy and live life without fear of running out....
by rustymutt
Sat Apr 04, 2015 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation differences
Replies: 22
Views: 1744

Re: Asset Allocation differences

A few older investors here have said that there is little difference among a 60/40 and 65/35 and 70/30 asset allocation. I plugged these 3 AA's in on the portfolio visualizer for 15 years (1999-2014) and there was little difference in the final total over the years. It seemed the difference between...
by rustymutt
Fri Apr 03, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation differences
Replies: 22
Views: 1744

Re: Best Couch for Big and Tall Person

I'm a fan of flexsteel furniture. We have a chair and a sectional couch. Both very well made wood frames and steel supports underneath hence their name. I'm 6'3" and 300+ I have an opposing view on Flexsteel furniture. Our couch is not 20 years old, and the steel springs have broken and make n...
by rustymutt
Thu Apr 02, 2015 6:47 am
 
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 12
Views: 1524

Re: Minimizing income taxes in retirement

You could also consider moving your family to a low, no income tax, or low taxing authority state.

http://www.kiplinger.com/slideshow/reti ... index.html
:sharebeer
by rustymutt
Tue Mar 31, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing income taxes in retirement
Replies: 54
Views: 5146

Re: Minimizing income taxes in retirement

Hello eddot, great question that is seen a lot here. While I'm not as old, (59) I took my companies lump sum in 09, and my 401K, and rolled them both into a personal IRA at Vanguard. That has now grown to the point that my RMD tax bite is going to hurt. So, what I've got planned is to convert over t...
by rustymutt
Tue Mar 31, 2015 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing income taxes in retirement
Replies: 54
Views: 5146

Re: Wise move to move some $ to cash before bear market?

I just read an article that described how to prepare for a bear market and listed the history of the previous bear markets over time. Since we are at an all time high , a bear market is coming , nobody knows when. The author suggested taking 20%- 30 % and putting it in cash to hold and buy in the b...
by rustymutt
Mon Mar 30, 2015 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 11846

Re: Did you learn anything from 2008?

I learned that CNBC can make for a surprisingly entertaining reality show when everyone starts having a meltdown. I also learned that value of Treasury bonds (accept no substitutes) as an insurance policy against a financial panic. Agreed. I was glad I listened to the experts on which type of bonds...
by rustymutt
Mon Mar 30, 2015 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8504

Re: Sued and won for drycleaner losing suit, suit now found.

At this point collect the money and suit.
by rustymutt
Sat Mar 28, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7957

Re: Best laptop under $1000



+1 I own one and love it.
by rustymutt
Sat Mar 28, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4354

Re: Introducing the Next Level of Direct Indexing: The Wealt

Seems to be the marketing of another product. No thanks.
by rustymutt
Sat Mar 28, 2015 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Introducing the Next Level of Direct Indexing: The Wealthfro
Replies: 17
Views: 2258

Re: Best Bank for Checking Account

I suggest that you look into using a credit union. Free checking and savings, a debit/credit card. I can go into a huge list of other credit unions, and make deposits, or withdraws. Free. I've a free ATM one block from home, even though it's owned by another credit union, they reciprocate with each ...
by rustymutt
Tue Mar 24, 2015 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2690

Re: Whats a good Pistol to buy?

Something I personally like in a hand gun is a safety. Most don't have one, but some handguns do. I enjoy the extra safe environment of safety myself. Yes you have to remove the safety to fire the gun. This takes time, and some would argue that's not in your best interest, but neither is blowing a h...
by rustymutt
Sat Mar 21, 2015 5:51 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8958

Re: Gaming amazon product reviews

Any good plumber can take a shower head and make it low flow. It's just a little value that goes into the neck of the device and changes the way water flows through it. Your current head could be changed into low flow with the addition of the correct restrict value.
by rustymutt
Mon Mar 16, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Gaming amazon product reviews
Replies: 16
Views: 2249

Re: Ink Cartridges dry up on seldom used printer, any ideas?

I bought the HL-5370 about 10 years ago. The high cap cartridge has just gotten replaced in the last year. It was reported that it would do 7000 sheets on a cartridge. Very happy with this product. This printer isn't being made now, or I'd have bought another.
by rustymutt
Fri Mar 13, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 1870

Re: What are some common misconceptions found in this forum?

That there's only one road to Dublin.
:sharebeer
by rustymutt
Fri Mar 13, 2015 5:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18116

Re: Dip? What Dip? Did you catch it?

Toons wrote:Huh?What happened?What did I miss?
I've been spending a lot of time working with my pitching wedge :happy


And are you spot on with it now? If not get back out there and practice more. I've been working on my putting, and it's the best it's ever been.
by rustymutt
Thu Mar 12, 2015 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12592

Re: Having babies, buying houses, getting responsible...

chessmannextmove wrote:Childcare is very expensive (avg 12k/yr/kid). Wife might as well stay home. Maybe a smaller house?


Can't a parent claim a child care credit on taxes. I seem to recall using what worked like a HSA account to help with childcare, which was the most expensive monthly expense we had.
by rustymutt
Sat Mar 07, 2015 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having babies, buying houses, getting responsible...
Replies: 21
Views: 3114
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