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Re: Yahoo mail

I've used both gmail, and yahoo for years. Both have some issues, but work for me just fine.
by rustymutt
Fri Dec 19, 2014 6:15 am
 
Forum: Personal Consumer Issues
Topic: Yahoo mail
Replies: 21
Views: 1168

Re: Any pilots here?

I worked in the engineering dept at Beech aircraft in the 70's and got my license through the Beechcraft flying club. Back then a Bonanza was $14 an hour rent, wet. (Wet means including gas) After I left Beech for a new job, I rented 172's for about $45 an hour wet. Just couldn't justify the money a...
by rustymutt
Thu Dec 18, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 2785

Re: Vanguard cd question [Brokered CDs]

I bought a CD in Sept, and sold it in the Secondary market for a nice gain of $2300. And it was because rates went down after I bought it. That made the CD paying 3.4% more value for potential buyers. But you do pay more when buying off the secondary market, so one must use caution when buying from ...
by rustymutt
Thu Dec 18, 2014 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 21
Views: 2287

Re: freezer door won't stay closed GE profile

We had nothing but bad issues with our GE fridge. Never again a GE fridge for us. Junk, and GE knows it. They do make great ovens, and cooktops, but not fridges.
by rustymutt
Tue Dec 16, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: freezer door won't stay closed GE profile
Replies: 8
Views: 857

Re: Should I buy house with a crack?

Is this home built on expansive soil, and did they use the correct engineered forms for that type of soil. Hire a engineer to check this out.
by rustymutt
Tue Dec 16, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3182

Re: Car LED Lights Longevity?

Many reasons that LED assy. could fail. Power supply would be the most likely in my opinion. You might have been about to replace that yourself.
by rustymutt
Tue Dec 16, 2014 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Car LED Lights Longevity?
Replies: 2
Views: 460

Re: Better inflation-indexed guaranteed options?

I don't see you mention commodities, and they are a good inflation hedge also.
by rustymutt
Tue Dec 16, 2014 6:53 am
 
Forum: Investing - Theory, News & General
Topic: Better inflation-indexed guaranteed options?
Replies: 31
Views: 2379

Re: Pop 'n smoke! Whole house power surge

Well now you've got me thinking... why are there 2 wires, not 1? They are both terminated on the ground bar in the panel right next to each other and both run outside. I don't remember the finer details about the 2 ground rods and the loop between them... It's possible they ran a separate run (wire...
by rustymutt
Sat Dec 13, 2014 6:51 am
 
Forum: Personal Consumer Issues
Topic: Pop 'n smoke! Whole house power surge
Replies: 35
Views: 2316

Re: Pop 'n smoke! Whole house power surge

Sounds like it was installed on the wrong side of the system.
by rustymutt
Sat Dec 13, 2014 6:44 am
 
Forum: Personal Consumer Issues
Topic: Pop 'n smoke! Whole house power surge
Replies: 35
Views: 2316

Re: Book suggestion for buying primary home

Location, location, location.
by rustymutt
Wed Dec 10, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 870

Re: home phone wireless base units

lululu wrote:That StraightTalk box looks remarkably like the AT&T box :D I wonder who actually makes them.


The cheapest bidder builds em.
by rustymutt
Wed Dec 10, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: home phone wireless base units
Replies: 8
Views: 664

Re: paid-off mortgage yesterday!

How nice does that feel? I personally thought it felt smart, and still do. Why take chances with a mortgage. Pay the thing off.
Debt free since 2007, retired 2009, and not rich. Rich in spirit, and free from financial bondage.

And if I'm not living the American dream, nobody is.
by rustymutt
Wed Dec 10, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: paid-off mortgage yesterday!
Replies: 24
Views: 2675

Re: Why is Dave Ramsey wrong?

He's not got the Ramsey head's website up and running yet? Did he hire out LGPs or whatever he calls his business subordinates.
by rustymutt
Sat Dec 06, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 73
Views: 9972

Re: Family jewels, kind of.

Tell this just like you did here, only to her father. Find out what kind of in laws you're going to have.
If you have any FBI friends, take them also just for hoot.
by rustymutt
Sat Dec 06, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3310

Re: Where do you shop for groceries?

You need another choice here. A combination of stores is where we shop.
by rustymutt
Sat Dec 06, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 5994

Re: Dealing with unauthorized bill

[off topic comment deleted by admin alex]
by rustymutt
Fri Dec 05, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6428

Re: Dealing with unauthorized bill

hicabob wrote:Unless you signed a contract I would tell him to pound sand.


Many make great living off intimidation. Plus one on the signed contract. Without that the guy hasn't a pray.
by rustymutt
Fri Dec 05, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6428

Re: What did you do your first day of retirement?

After getting my lunch bought by another retiree, I went home and took a 3 hour nap, something I'd not been able to do for years.
by rustymutt
Mon Dec 01, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: What did you do your first day of retirement?
Replies: 10
Views: 1287

Re: Best CD rates ...

Check out Vanguard brokered CD's. New or existing CDs can be purchased, that pay out more. I just purchased some 10 year CDs at Vanguard paying out 3.4%, and they are worth more now, than when I purchased them. Imagine that. I think that 3.2% is now being sold new there.
by rustymutt
Mon Dec 01, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4362

Re: Odd Issue with a Best Buy Return

I too have had issues with extended warranties at Best Buy, and returning items.
Broken door on a Sharp microwave, I was told I had abused it. We hadn't. It was just cheap crap from overseas. I don't shop at
Best Buy anymore.
by rustymutt
Mon Dec 01, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5179

Re: Investing Advice on the Radio - Wish they would go away

Gee whiz, she was just trying to help. I have to laugh at Bogleheads who complain their wives take no interest. You don't get it, they are trying to keep the peace and avoid inevitable arguments that you will insist on winning. Your wives are saints. If I was married to a BH instead of being a BH, ...
by rustymutt
Mon Dec 01, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Investing Advice on the Radio - Wish they would go away
Replies: 22
Views: 2494

Re: The Whole Ball Game Of Equity Investing As I See It

The way I see it is that by tilting to small value and adding international exposure, one can diversify some of the risk of an all large cap US portfolio, and reduce the volatility and increase return (or increase fixed income exposure to further moderate volatility). Some asset classes will zig, w...
by rustymutt
Mon Dec 01, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: The Whole Ball Game Of Equity Investing As I See It
Replies: 33
Views: 4471

Re: VTRIX vs. EFV for International Large Value

Along side of EFV, you might consider EFAV. I recently switched over to EFAV. You can at least read about it at Morningstar.com.

http://www.morningstar.com/cover/videoc ... ?id=674463
by rustymutt
Mon Dec 01, 2014 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: VTRIX vs. EFV for International Large Value
Replies: 10
Views: 900

Re: "Two Key Lessons You Can Learn From Academic Research"

Very nice Taylor. Thanks for sharing that with us. Makes it's easy to understand that risk/reward thing that goes on.
by rustymutt
Thu Nov 27, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: "Two Key Lessons You Can Learn From Academic Research"
Replies: 10
Views: 2023

Re: Re:

This is all fine and dandy, but good luck to the average investor in having access to these funds in their 401(k)s. Like me. 50% of my retirement money is in my 401(k), the other half an IRA at Vanguard. You need to switch employers more often. :D I know your pain. Fortunately, my employer offers V...
by rustymutt
Thu Nov 27, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 633
Views: 224814

Re: Kindle question - online access books

Kindle Paperwhite is my wife's choice. She loves reading books on that thing.
by rustymutt
Tue Nov 25, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 1450

Re: Small cap value premium

I complained early about seeing another SCV thread, but I may need to reconsider that position now that there is a little school yard fight between Rick and Larry! I doubt either Ego can handle admitting they are wrong or the other person is right. Time to sit back, relax, and see the same argument...
by rustymutt
Tue Nov 25, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 150
Views: 14261

Re: Small cap value premium

But you are asking about the small-cap premium. So I did the same thing for S&P 500 VFINX (mostly large cap) vs the small-cap NAESX. $1,000 invested every month since 1980. http://www.lagunabeachbikini.com/images/2014/investing/ValVFINX.NAESX1980-2014log.png Wow! Investments in small-cap stocks...
by rustymutt
Mon Nov 24, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 150
Views: 14261

Re: Ultimate Small Cap Value Portfolio...

I own DLS & RZV. Ask me in 20 years how she's done. Just set it and forget it.
by rustymutt
Wed Nov 19, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 31
Views: 4218

Re: Vent free propane stove

Even if it is properly adjusted to not produce toxic CO, it will produce a ton of water as a product of combustion, and that can cause humidity/mold problems depending on how tight your house is, and outside temperature. These things are banned outright in other developed countries (and many US sta...
by rustymutt
Wed Nov 19, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: Vent free propane stove
Replies: 12
Views: 1787

Re: Landlord wants us to sign an entirely new contract!

The goodwill you will create with your new landlord, by doing the correct, house contract with him, will far outweigh the damage you can do if you try to make an issue of it and hold him to the apartment contract. Sign it, and be grateful for a warm bed. Unless you were verbally told that those ite...
by rustymutt
Sun Nov 16, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7770

Re: International Stock Diversification — A New Look

The research shows (logically) that the biggest benefits of international investing come from small, not large, stocks. Yet most investors ignore the international small stocks. Larry Larry, thank you so much for that timely advice. Good thing I've followed it for years now. Really helped me during...
by rustymutt
Mon Nov 10, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7672

Re: Why do HY Savings and CD rates dominate short-term bonds

Yes it's wonderful, isn't it? I got in at 3.4%. it's up in par value at the moment, which makes me worry about deflation, not inflation. Is there any sanity nowhere to be found in the investment world? Thank God for all those whose gone before and left us a road map to Financial freedom. I don't wan...
by rustymutt
Mon Nov 10, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why do HY Savings and CD rates dominate short-term bonds?
Replies: 26
Views: 3134

Re: BND or a CD

We just locked in at 3.4%10 year CD through the Vanguard CD brokerage program. Can't beat a CD currently in my opinion.
by rustymutt
Sat Nov 08, 2014 6:05 am
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 10151

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

Keep what you have and the way you have it.. 60K in an Ally Savings Account 27K per year from a company pension plan (or 370K lump sum) 22K per year from Social Security 350K in my Vanguard Target 2015 Retirement Account I'd get that savings money into a short term Corp bond fund, like VFSUX with a...
by rustymutt
Fri Nov 07, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 7781

Re: investment lessons from QE

Once again, hats off to Larry's well thought out article with ample reasons to stay the course, or at least not worry about it.
by rustymutt
Thu Nov 06, 2014 7:14 am
 
Forum: Investing - Theory, News & General
Topic: investment lessons from QE
Replies: 34
Views: 3198

Re: Is Vanguard a good place to invest?

I've used Vanguard for over 20 years, and self study isn't hard with investing, it's the emotional part of investing that some can't handle themselves. Balances going up and down is the norm, however the balance has a positive slope long term. (I know that it's not guaranteed). I can't see myself pa...
by rustymutt
Wed Nov 05, 2014 6:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5111

Re: fleeced by an adviser, is there a recourse?

As an advisor, I can tell you the odds are stacked against the consumer. Everything is disclosed but it's disclosed in such a way that the "so what" is buried deep in a thick document and in such a technical way that the consumer has virtually no chance of understanding. Advisors attend t...
by rustymutt
Wed Oct 29, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9310

Re: MS Windows 7 Dead?

http://support2.microsoft.com/lifecycle/default.aspx?LN=en-us&x=3&y=10&c2=14019 Jan 2015 for normal support, Jan 2020 for extended support. Extended support is essentially security patches. But if you pay for support during the extended period you can get more help if needed (not worth ...
by rustymutt
Wed Oct 29, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2280

Re: Paul Merriman criticism?

Please note that the term "evidence-based" was mine. I don't even recall Paul using the term. I used it in the literal sense, meaning based upon evidence. My point was that his recommendation to tilt (like nearly all other tilting recommendations) is based upon the past performance of ass...
by rustymutt
Tue Oct 28, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 59
Views: 4667

Re: Paul Merriman criticism?

As another good man said, "There is more than one road to Dublin".
by rustymutt
Tue Oct 28, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 59
Views: 4667

Re: Paul Merriman criticism?

His approach is evidence-based I don't buy into the term "evidence based" investing. It means there is evidence in the past data to support past results. Isn't that true for everything? Long-term bonds have yield more than short-term bonds, therefore there is evidence that they may yield ...
by rustymutt
Tue Oct 28, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 59
Views: 4667

Re: Paul Merriman criticism?

Iv'e listened to John Bogle years ago on Paul's internet show, "Sound Investing". He's also a retired professional advisor who has help many, many people for absolutely free, my self included. I've heard Larry on his show also, as they both use DFA funds. I've also gotten answers to my que...
by rustymutt
Tue Oct 28, 2014 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman criticism?
Replies: 59
Views: 4667

Re: Store or cut up un-needed credit cards?

Toons wrote:Cut,in the trash :happy


+1 And don't get anymore.
by rustymutt
Mon Oct 27, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2598

Re: Tilted to SV by mistake, should I TLH out of it?

You knew that any time you invest in stocks you can lose principle? Any asset class of stocks can go down. Are you worried about the other stocks you own, or just the ones in a down cycle? I own SCV, but I also own other asset classes that have done well. I'm only up 2.7%, but last year it was over ...
by rustymutt
Mon Oct 27, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1785

Re: Using your own equipment on Uverse and Comcast

Paul, I've got AT&T Uverse, and we don't pay rent on it. It was part of the plan. They have replaced it twice in two years, as the Motorola modem tends to be a piece of junk. We also have our landline with them, and have the plan that repairs our inside wiring if needed at no cost.
by rustymutt
Mon Oct 27, 2014 6:16 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 2424

Re: Building a New House, Advice please.

I've built a home in the past, and if I ever do it again, I'll hire an Architect to help with details for the builder. Builder are not concerned with details, why a hired Architect is. Hardware specs plumbing specs Electric specs framing specs foundation specs lot layout specs top soil specs drainag...
by rustymutt
Sun Oct 26, 2014 7:26 am
 
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 6005

Re: Lump Sum vs Pension

Take a look at your 401k, and see how it's return has averaged over the last 6 to 8 years. By using history, and an average of 4%, you can easily compare and use rational to help make up your mind. We decided to take lump pension in 2009, it worked out well for us. We have managed to receive a highe...
by rustymutt
Sun Oct 26, 2014 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum vs Pension
Replies: 15
Views: 1497

Re: "The best response to market volatility"

Thanks for the reminder Taylor!
by rustymutt
Fri Oct 17, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3421
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