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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: 101
Views: 4239

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: 67
Views: 4668

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: 1556

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: 61
Views: 4235

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: 3643

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: 4424

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: 1140

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: 1140

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: 2485

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: 3844

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: 2210

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: 3338

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: 458

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: 458

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: 1350

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: 458

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: 43
Views: 2731

Re: New to Index Funds

The time to invest is today. Each day you put it off is one less day you have your money working for you. Your time is finite. Forget "where the market is". :happy Good info: "When Should I Invest?" http://www.thesimpledollar.com/when-should-i-invest/ Unless the markets crash to...
by rustymutt
Fri Feb 13, 2015 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Index Funds
Replies: 12
Views: 1005

Re: Home Buying the Boglehead Way (1st Time Buyer)

I'm a lender who does a lot of real estate financing so I'm happy to help however I can. Here are a few things to note: 1. If you have 20% to put down, by all means do so. You'll get the best rates and lowest fees that way. 2. Since you are looking for a conforming, conventional 30 year fixed loan,...
by rustymutt
Wed Feb 11, 2015 9:34 am
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5059

Re: Best Small Cap Value Funds

I previously used IJS and DLS. I currently use PXSV and PDN. PXSV currently has a net expense ratio of 0.39%. There is a 0.15% fee waiver in effect until at least August 31. What's a fee waiver? .15% off the 39% for a limited time? Does this come with free siding? I'll take a risk that your entire ...
by rustymutt
Tue Feb 10, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4234

Re: Best Small Cap Value Funds

Postmon wrote:
JohnnyFive wrote:You missed what is widely considered (at least in these circles) the single BEST domestic small cap value fund...PXSV.


What makes PXSV the best?


After seeing how new this fund is, I don't see it as close to the top.
by rustymutt
Tue Feb 10, 2015 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4234

Re: Best Small Cap Value Funds

Mr Rosco wrote:I previously used IJS and DLS. I currently use PXSV and PDN.

PXSV currently has a net expense ratio of 0.39%. There is a 0.15% fee waiver in effect until at least August 31.


What's a fee waiver? .15% off the 39% for a limited time?
Does this come with free siding?
by rustymutt
Tue Feb 10, 2015 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4234

Re: Best Small Cap Value Funds

My average ER for my IPO is .2 Yes it could be even less, but I know other factors matter most, and I'm willing to pay more to own RZV, and DLS both. They fit the asset class need, more than any other single factor in my IPO. I may be betting wrong. I admit to that. But I might not be. And I'd procl...
by rustymutt
Tue Feb 10, 2015 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4234

Re: obamacare policy recommendation request

Back in 2013, I went through the process to find out the cost with national care. This is the strange part. Just last week I got called by one of the Kansas firms. Kansas isn't in the national pack. The lady insisted that I wanted this policy. I had to explain to her I had insurance. I finally hung ...
by rustymutt
Mon Feb 09, 2015 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: obamacare policy recommendation request [TX]
Replies: 8
Views: 617

Re: Best Small Cap Value Funds

RZV, and DLS are both holdings I own. I wanted small value, and you can't get smaller than RZV without being a micro cap.
I own these in ratio to the amount my IPO tells me I need in these assets. I don't overweight any fund.

40/60 allocation
by rustymutt
Mon Feb 09, 2015 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4234

Re: Which Medicare supplement insurance company?

Maybe a possibility as to which call center you land at, as to how good the management is at leading great service centers.
by rustymutt
Sun Feb 08, 2015 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Medicare supplement insurance company?
Replies: 17
Views: 1302

Re: Forget the Hindenburg Omen -- it's the dreaded Triple To

I've never heard of this guy. And even if I had, I'd disregard any of his noise and stay the coarse.
by rustymutt
Sun Feb 08, 2015 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Forget the Hindenburg Omen -- it's the dreaded Triple Top!
Replies: 11
Views: 837

Re: 529 Frontloading Extrapolated

Those in charge of funds with front loads as high as 6% need tar and feathers. 529 and 403b plans are notorious for these high fees. And your locked to them only as your choice. States determines that. HUH? You are confusing "frontloading a 529 plan", which is a tax move really that appli...
by rustymutt
Fri Feb 06, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Frontloading Extrapolated
Replies: 3
Views: 467

Re: Fiber to the home neigborhoods

mhalley wrote:I dunno if this would help.
http://maps.co.gov/coloradobroadband/
And maybe this email address
COBroadband@state.co.us
Mike



That helps lots. Thank you, now I go reading.

Best Wishes
by rustymutt
Fri Feb 06, 2015 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Fiber to the home neigborhoods
Replies: 3
Views: 598

Re: 529 Frontloading Extrapolated

Those in charge of funds with front loads as high as 6% need tar and feathers.
529 and 403b plans are notorious for these high fees. And your locked to them only as your choice. States determines that.
by rustymutt
Fri Feb 06, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Frontloading Extrapolated
Replies: 3
Views: 467

Fiber to the home neigborhoods

How does one go about finding neighborhoods in Colorado, that offer fiber to the home? Seems that it's very difficult to find out. Most internet searches just get you to Verizon, AT&T, or other internet providers that want your current address to tell information. This is 2015, and I"m shoc...
by rustymutt
Fri Feb 06, 2015 9:26 am
 
Forum: Personal Consumer Issues
Topic: Fiber to the home neigborhoods
Replies: 3
Views: 598

Re: Emergency Fund / Property Taxes

Triple digit golfer wrote:Toons and rustymutt,

Do you use the Vanguard Short Term Investment Grade bond fund in a taxable account?


Yes I do use it in both taxable, and tax deferred. But mostly taxable, since my money is invested in a 60/40 allocation.
But I don't like much cash sitting in money market funds.
by rustymutt
Fri Feb 06, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund / Property Taxes
Replies: 10
Views: 727

Re: Emergency Fund / Property Taxes

In our savings (0.75APY) we have 6 months worth of my income plus about 1.5 years worth of prop taxes set aside. This ~12k for property taxes seems like it could be put to better use. How do you bogleheads suggest holding this money? FWIW we are dual income, 30yo & 90/10ers. My apologies for th...
by rustymutt
Fri Feb 06, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund / Property Taxes
Replies: 10
Views: 727

Re: Health Insurer, Anthem, Hacked

I believe this is the TIP of the ice berg when it comes to future hacks. To many companies haven't the right people in charge of online security. They'd best wake up and do something, or they will find themselves without a job. It's cost/benefit analysis. Cost of ever more vigilant security is high...
by rustymutt
Thu Feb 05, 2015 7:45 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 7917

Re: Health Insurer, Anthem, Hacked

I believe this is the TIP of the ice berg when it comes to future hacks. To many companies haven't the right people in charge of online security. They'd best wake up and do something, or they will find themselves without a job.
by rustymutt
Thu Feb 05, 2015 7:03 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 7917

Re: Bearish Boglehead, is there such a thing?

Does a soldier go to war thinking he's going to lose? No. Hope that answers your question.
by rustymutt
Wed Feb 04, 2015 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Bearish Boglehead, is there such a thing?
Replies: 45
Views: 3918

Re: Timing software

Ice-9 wrote:This software is about as reliable as they come: http://www.magicmgmt.com/gary/magic8ball/index1.html

(Sorry, couldn't resist.)


Yeah, but does it work? Yes 50% of the time. Toss a quarter in the air, heads buy, tails sell.
by rustymutt
Tue Feb 03, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing software
Replies: 3
Views: 375

Re: What exactly is "wealthy?"

It seems that the government and media seem to get net worth and income confused all the time. Based on definitions from the "Millionaire Next Door,' here are a few examples: A 60 year old neurosurgeon earning $700,000 a year who has a nest egg (excluding his home) of $2,000,000 is NOT (in my ...
by rustymutt
Tue Feb 03, 2015 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4021

Timing software

Is anyone aware of a software package that does market timing. That is it has functions for many ways market timers guess the markets. I use the word guess, because that's mostly what it is out side of math algorithms, and past history studies. I currently don't time markets. And most likely won't, ...
by rustymutt
Tue Feb 03, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing software
Replies: 3
Views: 375

Re: Can doctors charge more than co-pay?

I think insurance is a big shell game. Before I had a colonoscopy I checked that everyone that I dealt with was in-network. Well the pathologist who was in-network looked at my slides at the hospital instead of his office, which put it out of network. I am still waiting for a resubmit. I always won...
by rustymutt
Mon Feb 02, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 51
Views: 4595

Re: Met a Vanguard basher TransAmerica Insurance pusher

My advise to you is to not toss pearls before swine. Don't engage these guys, that's exactly want they want, and need to sell their poison.
by rustymutt
Mon Feb 02, 2015 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4648

Re: Which Medicare supplement insurance company?

I've been on a retiree family plan for health insurance administered by United Health Care, and I've very happy with the service levels.
by rustymutt
Sun Feb 01, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Medicare supplement insurance company?
Replies: 17
Views: 1302

Re: Overweighting REIT: Thought Experiment

Since last year was really good for Vanguard's REIT offerings, I'm automatically over weighted on it now. Momentum investing at work. How long will the late return chasers seek alpha with it? Who knows.
by rustymutt
Sun Feb 01, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Overweighting REIT: Thought Experiment
Replies: 16
Views: 1813

Re: Farmland investing

What happens when a drought hits and you go under water on just taxes and seed that don't pop up? Unless the land has mineral rights, not much your can do. In other wards, there is some risk involved with land purchases. Some wells go dry and irrigated farms in Kansas. They have go in every few year...
by rustymutt
Sun Feb 01, 2015 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Farmland investing
Replies: 30
Views: 2945

Re: Need advice on financing RV

Personally, I would not cash out a large lump sum from pre-tax; that will push you into highest tax brackets for the year. If you are selling the house, then either just finance the RV until it sells, or possibly take out a Home Equity loan (but HELs may have extra fees associated if you turn aroun...
by rustymutt
Sun Feb 01, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 7
Views: 761

Re: Loan Terms -- Helping a friend going through Divorce?

If this a private loan, no. Nobody else (IRS) has to even know about it. But now I do. I'll stay mum on it. I've helped out friends in the past and would again, if asked. I was always well rewarded for being a friend. And those kind of friends don't come often in life. Cherish the good times, the en...
by rustymutt
Sun Feb 01, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 32
Views: 2167

Re: Good Wines

rec7 wrote:What do you folks think of Mogan David concord wine? It tastes good.


Reminds me of grape jelly. In pinch I'll drink it.
by rustymutt
Sat Jan 31, 2015 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4375

Re: Good Wines

St. Michelle Rieslings, or any of their whites. I love Washington State wines.
by rustymutt
Sat Jan 31, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4375

Re: Malware problem on new PC

Use Malwarebytes. Don't use anything but reputable software to clean up malware. A lot of the stuff you find on the internet to clean malware is malware itself. Microsoft Security Essentials is also a good tool for viruses and malware. My computer geek guys recommend both Malwarebytes and Microsoft...
by rustymutt
Thu Jan 22, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2696
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