Search found 3050 matches

by rustymutt
Tue Sep 01, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: Excel function to return latest price
Replies: 13
Views: 1090

Re: Excel function to return latest price

I switched to open office, which handles this easy with the GetQuote extension. I open the spread sheet and it goes and fetches the latest prices of the symbols for ETF, and Mutual Funds in the spreadsheet. It's how I re balance, as the whole of the spreadsheet relates back to those prices and the n...
by rustymutt
Fri Aug 28, 2015 8:05 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 2719

Re: Why doesn't the 3 fund portfolio have TIPS?

Some historical background. Taylor came up with the 3-fund portfolio prior to the existence of TIPS. He later grudgingly created a 4-fund portfolio which included TIPS after losing a series of bets (he took Total Bond and I took TIPS). :D That's interesting. You do gamble after all Mel. :sharebeer ...
by rustymutt
Fri Aug 28, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2801

Re: Where are John Bogle and Warren Buffett

Don't know that I would consider this as "trying times". Up/downs in markets is normal life cycles. Nothing to comment on here. They'd say the same thing they told us 30 years ago. You're letting the media get into your head here. Tune out the noise, and make sure you know where you inves...
by rustymutt
Fri Aug 28, 2015 8:30 am
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2801

Re: Where are John Bogle and Warren Buffett

Don't know that I would consider this as "trying times". Up/downs in markets is normal life cycles. Nothing to comment on here. They'd say the same thing they told us 30 years ago. You're letting the media get into your head here. Tune out the noise, and make sure you know where you inves...
by rustymutt
Thu Aug 27, 2015 4:56 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5094

Re: Floss aversion

Get one of the Reach flossing things that looks kind of like a toothbrush. I prefer the ones that look like a paint roller, as they are much easier to get in/out of the spaces around my teeth. I use them at lease once a day, and most days twice. With proper brushing, no issues with my teeth in year...
by rustymutt
Wed Aug 26, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 56
Views: 4853

Re: Tire rotation

sport wrote:If you rotate the tires, you will get the maximum use and all four will need to be replaced at the same time. If you do not, the front tires will wear out first. I rotate at 5000 miles if there is no extra charge, and 10K if I have to pay for the rotations.


+1
by rustymutt
Wed Aug 26, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Checking to Vanguard Electronic Transfer
Replies: 6
Views: 560

Re: Chase Checking to Vanguard Electronic Transfer

I do not bank at Chase. However, I always initiate such transfers at Vanguard. I have Vanguard "pull" money from my bank, and I have Vanguard "push" money to my bank. My bank does not charge for either of those transactions. You are absolutely correct in this method, as I use it...
by rustymutt
Tue Aug 25, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: Is it my imagination?
Replies: 14
Views: 1660

Re: Is it my imagination?

It's all having to do with the advancement of man kind as a whole. The unbelievers, are coming around to see things Bogle's way. Progression of man is an amazing thing. Mr Bogle has been planting seeds his whole life, and I believe the media has come around to see his wisdom. What's the alternative?...
by rustymutt
Mon Aug 24, 2015 7:42 am
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 6935

Re: "FEAR" Is Here,...

Naked and broke I came into this world, and that's how I'll leave. So what happens in the mean time is moot. Stay the course. Steady as she goes. I love this navigation system for investors. Just set it, and forget it. It's just that easy. If you've got good control over your emotions, and that's th...
by rustymutt
Mon Aug 24, 2015 5:56 am
Forum: Investing - Theory, News & General
Topic: Which is more optimal in retirement? Total return vs. income investing
Replies: 41
Views: 3564

Re: Which is more optimal in retirement? Total return vs. income investing

In most cases, you'll get growth and dividends income out of a portfolio of broadly diverse investments. My own portfolio (I slice and dice) is currently paying out around 1.8% in dividends. And at the same time has returned a healthy 8.5% over the last 10 years. That includes the dividends. Had thi...
by rustymutt
Mon Aug 24, 2015 5:46 am
Forum: Investing - Help with Personal Investments
Topic: 40 years with MegaCorp...Retiring Friday
Replies: 22
Views: 3419

Re: 40 years with MegaCorp...Retiring Friday

Happy retirement Summit! What memories a long career creates within us. If we only knew then, what we do now. :sharebeer
You having a graduation party? I'm betting it would be a great party.
by rustymutt
Sat Aug 22, 2015 9:55 am
Forum: Investing - Theory, News & General
Topic: Good time for 50/50 portfolio Bonds/Equities?
Replies: 81
Views: 8652

Re: Good time for 50/50 portfolio Bonds/Equities?

For goodness sakes, stay the course!! I remember recommending a standard 60/40 portfolio for you when the markets were higher and you were still at 70/30. The time to "panic" is when markets are high and going higher. This is not the time to be reallocating your portfolio. As I recall, yo...
by rustymutt
Sat Aug 22, 2015 9:46 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8669

Re: How long will you"Stay the Course"?

I'm all in for the long haul. No more in/out at the wrong damn time. You can't guess markets. Set it up the allocation you want, and forget it. Cash is not going get you anything. Stuffing mattresses is a losing lumpy bed. Giving your money to banks helps make them wealthier. 60/40 works well during...
by rustymutt
Fri Aug 21, 2015 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just confirming....."stay the course"?
Replies: 53
Views: 6083

Re: Just confirming....."stay the course"?

Here's my theory on why the market is headed down recently. Wall Street really believes they can stop rate hikes, by semi crashing markets, and winning over public support for keeping rates low. And that's the worst thing that could happen for investors. Let the damn market alone, and raise rates. :...
by rustymutt
Thu Aug 20, 2015 6:29 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

scone wrote:Pretty wimpy for a dip. This whole year has been a whole lot of nothing. Becalmed in the doldrums. Picture the Vanguard in the Sargasso Sea... :)


I agree, it's sideways movement back and forth is boring. I'm still in the plus, but not by much. Last year wasn't great either.
by rustymutt
Wed Aug 19, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 6213

Re: Greenspan: we've got a bond bubble, Houston

Ha! ha! ha! ha!...! HA! HA! HA! HA! HA! HAHHHHHHHHHH! Ha! Bond Bubble! HA! HA! HA! HA! HA! HA! HA! HA! HA! HA! HA! BUBBLE! BOOOOOND BUBBLE! HA! HA! HA! HA! HA! HA! OK, guys. A little mathematics lesson. The current make up of Vanguard's Total Bond Market index ETF (BND) is as follows: Maturity / Pe...
by rustymutt
Sat Aug 15, 2015 8:22 am
Forum: Investing - Theory, News & General
Topic: International funds getting money flows
Replies: 20
Views: 1818

Re: International funds getting money flows

Chasing returns? Vanguard Total International 2015 through July 31: 4.53% Vanguard Total Stock Market 2015 through July 31: 3.50% Watch what happens the next time the US market does better. It's no surprise the outflow is greater than the last crash because international did really badly too. Can s...
by rustymutt
Tue Aug 11, 2015 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Coworkers Ignorant to Retirement Savings and Investing
Replies: 41
Views: 4032

Re: Coworkers Ignorant to Retirement Savings and Investing

I do say one of the BIGGEST problems this lack of knowledge still occurs is actually because of us. When you have one of us retire early OR be known as being financially secure and when asked the answers we give is a modest "oh I was just lucky" or something to that extent. If we were hon...
by rustymutt
Tue Aug 11, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Coworkers Ignorant to Retirement Savings and Investing
Replies: 41
Views: 4032

Re: Coworkers Ignorant to Retirement Savings and Investing

I saw the same thing at my job of 25 years. I had one co worker fly to New York for a free Mad-money seminar. You couldn't make them understand. I stopped trying and simply retired in 09 at age 53. Started my own company for 4 years. Now I do whatever I want all day long. And I like it that way. :sh...
by rustymutt
Mon Aug 10, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Car Steering shakes when I put on Brake
Replies: 41
Views: 2620

Re: Car Steering shakes when I put on Brake

Yes, you've got wrapped rotors, and it might need new ones at that. Depends on what they find in measurements of the thickest of those rotors.
by rustymutt
Mon Aug 10, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: AllState Increased Rates due to Speeding Ticket out-of-state, what to do?
Replies: 11
Views: 1207

Re: AllState Increased Rates due to Speeding Ticket out-of-state, what to do?

I'd suggest that you slow down. At one time I had 13 speeding tickets in a 3 year period. Yes my rates got really high then. Since that time, I've had one ticket 18 year ago.
:sharebeer
by rustymutt
Tue Aug 04, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

One thing that helps is to fertilize the grass as early in the spring, on the early end of the recommend window. A good turf works as a weed preventer. Grass will grow earlier in the spring than most weeds, so fertilizing early gives the grass a head start. You must take caution in over fertilizing...
by rustymutt
Tue Aug 04, 2015 7:15 am
Forum: Personal Consumer Issues
Topic: Garden 'engineering' question
Replies: 21
Views: 1861

Re: Garden 'engineering' question

I am an avid gardener, have about 7000 sq ft in vegetables (raised beds) and have never been able to understand the appeal of using lumber to make raised beds. I have 4' wide beds in my garden, they have about another 6" on each side that are sloped, and I keep them there year after year. What...
by rustymutt
Tue Aug 04, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

You just have to be consistant with working on killing, pulling, and removing unwanted growth on a regular basis. I moved into this home in June, and the previous owner hadn't done anything for some time. I treated with Bayor product to kill crabgrass twice, two weeks apart, then used spot treatmen...
by rustymutt
Tue Aug 04, 2015 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Wife starting a 403b...some questions...
Replies: 32
Views: 1506

Re: Wife starting a 403b...some questions...

My ex-wife was a teacher. She didn't start a 403, because the cost for the small choices the plans had was way out of line with what a informed investor was willing to pay in expenses. The state at that time had only two companies you could go with, and both had front loads of 5%. I even spoke on th...
by rustymutt
Sat Aug 01, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

You just have to be consistant with working on killing, pulling, and removing unwanted growth on a regular basis. I moved into this home in June, and the previous owner hadn't done anything for some time. I treated with Bayor product to kill crabgrass twice, two weeks apart, then used spot treatment...
by rustymutt
Sat Aug 01, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 1910

Re: Rental Car Possible Damaged after I returned it

Was your experience with Enterprise? I used to have an employee who worked for them who stated that the return damage process was considered a profit center for them (lose of use, etc). I wondered if anyone else had that experience? reason-logic, I have had bad experiences with customer service at ...
by rustymutt
Fri Jul 31, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: Why not buy berkshire hathaway?
Replies: 157
Views: 14736

Re: Why not buy berkshire hathaway?

If you invest in total market funds, you are buying it, and at the right level of risk for you.
by rustymutt
Mon Jul 27, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Home Office Flooring - Boglehead Choice?
Replies: 21
Views: 1813

Re: Home Office Flooring - Boglehead Choice?

I'm in my office at home now, and it's wood plank flooring. Holds up better than I'd have expected a wood floor to. I'd say go with wood planking. Walk the plank mate! This new material is really strong stuff. :sharebeer
by rustymutt
Mon Jul 27, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13796

Re: Would you look down on a co-worker for driving a beater?

I'm laughing as I read through the post. I'd be proud to drive into a work function in anything, including motorcycles. At times, a bike was all I had to get me around town. From crawling, to biking, to driving, and back to biking & driving, then to wheel chairs. Oh, almost forgot my private pil...
by rustymutt
Sun Jul 19, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - help with term life insurance
Replies: 32
Views: 2192

Re: Baby on the way - help with term life insurance

Out of curiosity, have you checked with your employer, to find group rates? Your firm's benefit office would be a good start. At least it can't hurt to ask, right?
by rustymutt
Sun Jul 19, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - help with term life insurance
Replies: 32
Views: 2192

Re: Baby on the way - help with term life insurance

Congratulations on family life, and administering it correctly trying to do it the right way first time. If I'd had a bunch of people like Bogle has here, I'd be the smartest man on earth. Love your question, and can't wait to see some of the responses you get. Good luck to you sir. Stay the coarse....
by rustymutt
Fri Jul 17, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4917

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

A safe healthy crib. Make sure your crib, even if used, isn't on a re-call listing at Consumer Reports, or Better Homes & Gardens. They list recalls. Pay attention, as the Chinese are selling lots of low quality junk in the USA. Not going to hold up people, as it's not what metal work use to be....
by rustymutt
Fri Jul 17, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3789

Re: What to do with bill received for prior homeowner

Looks like you already exhausted the civil actions of finding the prior homeowner. I wouldnt spend any more time and just shred it. I couldn't agree more with you on this. Life is to short to worry about someone else's issues. !!!! Return to sender wrong address!!!! That person isn't here any more,...
by rustymutt
Fri Jul 17, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4559

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

60K Maintenance includes? Without knowing what's included, it's hard to say one way or the other.
But I'd avoid the dealership, as some others have also suggested.
by rustymutt
Fri Jul 17, 2015 6:36 am
Forum: Personal Consumer Issues
Topic: State Farm premium increases...time for new quotes. Cute commercials don't count!
Replies: 12
Views: 1760

Re: State Farm premium increases...time for new quotes. Cute commercials don't count!

Keep in mind that rates are set by the insurance office of state government. All companies go through the insurance commissioner's office for rate authorization. Storms, fires, floods, hail, can and do cause insurance companies to rise rates. State Farm in your state may have been hit hard from a hu...
by rustymutt
Tue Jul 14, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Xfinity vs ATT
Replies: 9
Views: 845

Re: Xfinity vs ATT

Remember that this other new company may not have facilities in place for the speed they suggest. Buried is better than aerial, and fiber subpurb to copper. :sharebeer Am with AT&T at 18meg, and consistently get better speed of 20meg. So I'm yes, happy with T. For my needs, much fast enough.
by rustymutt
Sun Jul 12, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 177278

Re: What Movie Have You Recently Watched?

The Man from Laramie.....Jimmy Stewart Tonight it's gonna be The Sons of Katie Elder....The Duke John Wayne and Dean Martin.... I never get tired of watching the old cowboy movies... Don I'm the same way. I love the old John Wayne movies. Martha Hyer had my heart before I a teenager. :sharebeer
by rustymutt
Fri Jul 10, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: How do you do the Larry Portfolio?
Replies: 48
Views: 3873

Re: How do you do the Larry Portfolio?

I use DFA .... 50 USA/35 ex-USA/15 EM It is hard to have only SCV in EM so I try to tilt to value as much as possible. I use Vanguard for the Bonds I have lowered by stock allocation from what what it used to be ..... Contrary to what is asserted often on this board, DFA access does not have to be ...
by rustymutt
Fri Jul 10, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: How do you do the Larry Portfolio?
Replies: 48
Views: 3873

Re: How do you do the Larry Portfolio?

Very slowly, and cautiously. I want an advisor if I go that route at all. Someone besides myself to rattle if a mistake is made.
by rustymutt
Tue Jul 07, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax Penalty?
Replies: 5
Views: 619

Re: Roth IRA Tax Penalty?

Call the IRS and talk with them about the confusion. I'm sure that you can talk this through with the IRS. I'm not sure what else anyone could do.
by rustymutt
Mon Jul 06, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: My Case For Early Retirement 50's/60's
Replies: 10
Views: 1260

Re: My Case For Early Retirement 50's/60's

Lon, your life is an inspiration to me. Thank you so much for sharing your wisdom with us. Good Luck Mate!
:sharebeer
by rustymutt
Tue Jun 30, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3622

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: 33
Views: 6395

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: 2652

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: 72
Views: 9121

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: 1894

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: 3622

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: 2845

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: 53
Views: 5111

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 ...

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