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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: 2519

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: 109
Views: 7658

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: 2160

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: 1703

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: 207
Views: 16425

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: 121
Views: 10301

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: 3045

Re: Vanguard accounts proliferating?

Call Vanguard client services and ask them why this is happening. That's the first place to start with this issue.
by rustymutt
Sat Mar 07, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard accounts proliferating?
Replies: 9
Views: 1009

Re: What's with VG Complaints???

I've been using both for years, and have not a single issue with either. On that note, is Larry Ludwig, Founder and Editor in Chief of this site paid by special interest groups to post this? I don't know, but I like Vanguard and it's customer service, and believe it's as good if not better than Fide...
by rustymutt
Sat Mar 07, 2015 11:25 am
 
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3188

Re: If you have $1 million...

Not causal. We purchase new cars so that we don't deal with someone else's "trouble". And we keep them 10-15 years. Nothing to do with portfolio size; this was the same a few decades ago. At some point, we might explore "certified pre-owned" [gotta love the "pre-owned"...
by rustymutt
Fri Mar 06, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6236

Re: Real estate frustration in finding a new home

an_asker wrote:
dailybagel wrote:[...]Coming from the New York City metro area, I'd kill for a 2-bedroom at $450k.[...]<sigh>

Please don't come to Florida - you will decimate us! ;-)


Florida sink holes scare me more than Kansas Tornadoes. I don't want a be buried alive in debt, or a sink hole. Gasp!
by rustymutt
Fri Mar 06, 2015 11:34 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: South Park

I've turned to the south part of the state, which seems more reasonably priced. Cañon City is a cool smaller town... Follow the old railroad west and check out Salida. It has a hospital and the weather is reasonable. That's interesting, cause my sister of Fort Collins, told me the exact same thing.
by rustymutt
Fri Mar 06, 2015 5:04 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Black Hills SD, where to stay?

Be sure to drop by the Crazy Horse monument to. And don't mind all the dead trees from insect larvae. We had a great time at Mt Rushmore also.
by rustymutt
Thu Mar 05, 2015 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1255

Re: Black Hills SD, where to stay?

No view to speak of, but the Hilton Garden Inn in Rapid City was quite nice when I was there when the federal government last shut down. It is a step above the average HGI. Plus, if you are gold or diamond with Hilton, breakfast can be free. As a Hilton Honors member, I assure you that breakfast is...
by rustymutt
Thu Mar 05, 2015 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1255

Re: 2015 Honda CR-V vibration problems

I test drove one and felt it. It's why I left the Honda dealership, and went over to the Toyota dealership and bought a 15 4runner that I love. Smooth all the way through. Then again the gas mileage isn't as good, but I'm OK with that.
by rustymutt
Thu Mar 05, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 27
Views: 3327

Re: Real estate frustration in finding a new home

I bought a house in the front range about 5 months ago. I put in an offer nearly 6% over the asking price the first day it was on the market and I was one of 5 offers, all over the asking price, I was able to purchase the property. That is the reality of the current housing market in Colorado. Sadl...
by rustymutt
Thu Mar 05, 2015 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Real estate frustration in finding a new home

I suggest you need to be in the area to buy right now, I live in the front range and price have gone up a lot in three years and inventory at record lows a recent article in the city I live in north of Denver has less than 2% vacancy. Homes are not on the market long and are going for higher prices...
by rustymutt
Thu Mar 05, 2015 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Real estate frustration in finding a new home

I spent an hour with my latest agent this morning, and he understands my frustration and told me he's drive to the other side of Colorado for me if I needed a picture of a home. I like his attitude, and will spend time with him next week. He's set me up with a MSL that I understand and a video on ho...
by rustymutt
Thu Mar 05, 2015 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Real estate frustration in finding a new home

After looking for so long and not finding what you want it might be good to consider having a home built to your specifications. Building is quite expensive. I'd rather get a used home at a premium discount. I have talked with some builders, and they don't impress me either. I'm a picky guy. Last h...
by rustymutt
Thu Mar 05, 2015 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Colorado is weird right now

In greater Denver and all along the Front Range to the north, for sale inventory is at a record low. For example, typical inventory in greater Denver would be 22K and it is 4.5K. The result is: multiple offers, typical DoM of fewer than 30 days, and selling for over asking. In many cases you need t...
by rustymutt
Thu Mar 05, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Real estate frustration in finding a new home

tainted-meat wrote:If you have been looking for three years and still have not bought a place, then you are probably not as ready to buy as you think you are, which explains why realtors are not spending much time on you.


I looked for two years in this current home before buying. I don't rush expensive decision.
by rustymutt
Thu Mar 05, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Real estate frustration in finding a new home

Are you ready to buy the house right now? You may be sending a message that you are "just looking" in which case the Realtor might be reluctant to spend time with a client who isn't ready to buy. Have you been clear on what your needs are? I would agree with looking at houses on the inter...
by rustymutt
Thu Mar 05, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Real estate frustration in finding a new home

I appreciate all the suggesting and comments. Thank you all so much. I am ready to buy, and have even told the agents that I might make a cash offer in most cases. Lack of quality homes is a huge issue in Colorado. Many of the homes we've been taken to, are quite simply not worth anywhere near the a...
by rustymutt
Thu Mar 05, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: Has anyone ever bill-paid, their state tax board w/o a v

LifeIsGood wrote:I've done it via Quicken billpay for years. No problems.


+1
by rustymutt
Thu Mar 05, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever bill-paid, their state tax board w/o a vouch
Replies: 8
Views: 620

Real estate frustration in finding a new home

Good Morning Bogleheads! I need advice. I'm relocating to Colorado in the next few months. I've been looking online at homes for 3 years, as we've wanted to move there for sometime. Many trips. The problem I'm encountering is that any Realtor I've used, just sends me portals, or MLS listings, and ex...
by rustymutt
Thu Mar 05, 2015 8:21 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2435

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

I was proud to sign it. We need more men like Jack, and that's the bottom line here.
by rustymutt
Tue Mar 03, 2015 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: SIGN PETITION for Jack Bogle's Presidential Medal of Freedon
Replies: 55
Views: 4452

Re: Is Yahoo Mail working very slowly???

Yes, it's been off/on slow for me also. Takes forever after I send a message mail to tell me it's been sent.
by rustymutt
Tue Mar 03, 2015 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1359

Re: Retiree Poll: Satisfaction with retirement

First of all to be fortunate enough to retire is something to be thankful for,and secondly to have some "gold" to enjoy the golden years is another thing to be thankful for.It is pretty much like Life in general ,it is what you make out of it. Stay busy,involved,find hobbies that interest...
by rustymutt
Tue Mar 03, 2015 10:16 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 3990

Re: Anyone investing in Vanguard Global ex-U.S. Real Estate

I hold both VNQ, and VNQI. It's part of my long term plan.
by rustymutt
Tue Mar 03, 2015 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone investing in Vanguard Global ex-U.S. Real Estate ETF
Replies: 16
Views: 1132

Re: Thought for the Day: Invest Logically

I captain. I'm giving it all she's got. If this keeps up, I can't hold on much longer.
by rustymutt
Tue Mar 03, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 18
Views: 2011

Re: Do you consider mortgage payments as savings?

I would have never considered paying off a loan of any kind as savings, but each to their own. Apparently in America, many people can't live without debt, including governments.
by rustymutt
Tue Mar 03, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20084

Re: Pellet stoves -- whats your take?

We've used ours, that I purchased and replaced a wood insert with. We love it. You have to keep them cleaned, and ashes removed daily. I supplement our gas heat with this in the basement. It will run you out in 1 hour at high. Makes our home warmer on very cold days. Had it for about 10 years now. N...
by rustymutt
Fri Feb 27, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 2873

Re: Guns for hunting/defense

What guns do you own and what would you like to own either for hunting or for self defense? What caliber/makes/models do you prefer? 1. 12 Gauge Semi Auto Shotgun (hunting/home defense) (Benelli) 2. .308 Bolt/Semi Auto Rifle w/ Scope (deer hunting) (Remington 700) 3. 9mm (larger magazine) or .45 (s...
by rustymutt
Thu Feb 26, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7958

Re: Vanguard brokerage tax forms changed to late Feb. questi

These forms are essential. And even moreso if you have any international funds or ETFs that will appear on these forms. You can always send them to your accountant later. How quickly each year that a brokerage gets you correct 1099s should be part of broker rankings. And I might add that Vanguard d...
by rustymutt
Wed Feb 25, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 93
Views: 7453

Re: Problems with Internet Explorer

You must update flash, and java also. Without the current versions of each, your browser will have issues running scripts, and that's when IE locks up. Happens with Chrome also.
by rustymutt
Mon Feb 23, 2015 5:57 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1658

Re: CarsDirect didn't lead to dealers responding with prices

Hold your position and don't cave to the dealers. They love confusion, as it's a money maker for them. Problem is that it cost you money the way dealer operate. I hate car dealers. Nothing but legal fronts for businessmen to mark up and profit.
by rustymutt
Sat Feb 21, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4892

Re: Risk of Rebalancing

Negate any gains/declines of not Re-balancing. With my IPO, re-balancing is done once a year at most. This forces me to buy low, sell high as market indications show your winners needing to be sold, and the losers needing to be bought in sync with the markets ups/downs. Yes it is timing the market, ...
by rustymutt
Fri Feb 20, 2015 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3909

Re: Recommend a movie for a lonely Boglehead on Valentine's

The African Queen. One of our favorites.
by rustymutt
Mon Feb 16, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4689

Re: 1099 reporting

Works great for me. I imported it into turbotax this weekend with no problems. My UBS account provides two pages of summary info, but it is just clutter to me because it is not needed for tax purposes. You imported it? When I attempt it said that Feb. 24th, 2015 was the available time frame. Worked...
by rustymutt
Mon Feb 16, 2015 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 reporting
Replies: 18
Views: 1208

Re: 1099 reporting

mhc wrote:Works great for me. I imported it into turbotax this weekend with no problems. My UBS account provides two pages of summary info, but it is just clutter to me because it is not needed for tax purposes.


You imported it? When I attempt it said that Feb. 24th, 2015 was the available time frame.
by rustymutt
Mon Feb 16, 2015 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 reporting
Replies: 18
Views: 1208

Re: Mental games

Chess. Seriously, it'll open your eyes to how bogus and superficial most people's knowledge of anything is in this world. You can study tons of stuff in chess and 'sound' like a grandmaster talking about the meran variation opening, Lucena position endgames, or Bobby Fisher's Immortal Game, but it ...
by rustymutt
Mon Feb 16, 2015 7:31 am
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2616

Re: vanguard forfeited all my dividends and capital gains

[quote="in_reality"]I am not sure a Congress person would do much ...

A more relevant avenue might be FINRA. http://www.finra.org/Investors/ProtectYourself/p118628

LOL I totally agree.
by rustymutt
Sun Feb 15, 2015 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: vanguard forfeited all my dividends and capital gains
Replies: 17
Views: 3951

Re: Where would YOU place 50k for intermediate term savings?

A savings account. I use a short term corporate bond fund, but it can go down. It dropped just last week, as stocks climbed. But not enough to thwart my desire for more return on cash.
by rustymutt
Sun Feb 15, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where would YOU place 50k for intermediate term savings?
Replies: 24
Views: 2325

Re: why stocks outperform other asset classes in the long ru

I believe that investing in stocks overall really means "investing" in ideas, in innovation, in hard work, in genius, in vision, in the free market. By investing in all the stocks of a free market economy, you'll always capture the Google and the Apple and the Microsoft. There will always...
by rustymutt
Sun Feb 15, 2015 7:29 am
 
Forum: Investing - Theory, News & General
Topic: why stocks outperform other asset classes in the long run ?
Replies: 51
Views: 3505

Re: [Poll] Is MKT on the multi-factor efficient frontier?

I'm going to vote yes, although I don't necessarily have a strong belief in the "Efficient Market Hypothesis". There's an issue with the " Joint Hypothesis Problem " Rather than try to develop another philosophy/hypothesis that claims something other than the idea that the marke...
by rustymutt
Fri Feb 13, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Is MKT on the multi-factor efficient frontier?
Replies: 6
Views: 482

Re: [Poll] Is MKT on the multi-factor efficient frontier?

I guess most BH agree that MKT is not on mean-variance efficient frontier. FYI, many academic proofs support this. But is it on the "multi-factor" efficient frontier? In other words, one can increase the expected return of MKT only by increasing one of the risks. (no need to define what t...
by rustymutt
Fri Feb 13, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Is MKT on the multi-factor efficient frontier?
Replies: 6
Views: 482

Re: Better to leave qualified or non-qualified money to kids

When we inherited IRA, my sister chose to take her share in cash because she didn't want an annual hassle. In the highest federal tax bracket, in a high tax state, she ceded nearly half. The rumble you hear is my father rolling over in his grave. It might be that she needed that money right a way t...
by rustymutt
Fri Feb 13, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Better to leave qualified or non-qualified money to kids?
Replies: 14
Views: 1450

Re: [Poll] Is MKT on the multi-factor efficient frontier?

I believe it's getting harder to discern that difference, but yes I do. That's my opinion only, and I'm not an expert.

:sharebeer
by rustymutt
Fri Feb 13, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Is MKT on the multi-factor efficient frontier?
Replies: 6
Views: 482

Re: What is the BH consensus on international bonds?

Consensus is probably too strong a word. However, I think it's fair to say that most Bogleheads have a 0% planned allocation to international bonds (although they may hold some anyway because Vanguard has added them.to various funds in the last couple of years) If you are holding bonds for stabilit...
by rustymutt
Fri Feb 13, 2015 9:03 am
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4003
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