Search found 3269 matches

by rustymutt
Sat Feb 06, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 50
Views: 4184

Re: The Gravy Train Departed?

What is "half hard"? In the context of investing, that is... "Ok, first off I'm 29. I graduated HS in '09 to put time into perspective I grew up in the 90's which seems to have been the last generation that was half hard." I think he's referring to the emotional side of youthful...
by rustymutt
Sat Feb 06, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 50
Views: 4184

Re: The Gravy Train Departed?

Half hard is the same thing as half soft you know. I thought the same thing back in the early 70s out of high school. I choose to learn about the market come hell of high water, and in reflecting back, way smart thing to do. But then I did have a work ethic, and was driven to succeed at it. I lost b...
by rustymutt
Sat Feb 06, 2016 7:36 am
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 29
Views: 3006

Re: Bogleheads investment philosophy at huge risk?

He's a short term investor with minimum time horizons. Most investors aren't geared for the long term emotionally, and he knows this. So his article hits on this known human weakness within the investment community. It's another in a long history of publishing investment porn to move the market towa...
by rustymutt
Sat Feb 06, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 41
Views: 3599

Re: Warning on Amazon Subscribe & Save

From where I come, that's called price gouging, and swindling. If Amazon did that to me, it would be the last time I ever did business with them. It's a dirty trick that shouldn't occur. Report it to the Attorney General of your state consumer affairs.
by rustymutt
Fri Feb 05, 2016 7:17 pm
Forum: Investing - Theory, News & General
Topic: Smart Beta: When the shark jumps the shark
Replies: 10
Views: 1029

Re: Smart Beta: When the shark jumps the shark

I had a really smart Beta. He just swam around in circles each day and got fed.

:oops:
by rustymutt
Fri Feb 05, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 65
Views: 4888

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Yeah I'm using 5000 lumin bulbs over my vanity. I got 6 packs of them for $19 at Home Depot. I got them everywhere, and love the light they provide. Daylight. It's really like day light. No more yellow lighting for me, ever.
by rustymutt
Fri Feb 05, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 3672

Re: Take the Verb Tense Pledge!

nisiprius, I enjoyed your thoughtful post. I've been taught not to pledge, because of the chances of not being able to keep it. Broken promises aren't a thing of beauty. Ask my boys if I've ever broken a promise/pledge to them. Hard to do when you don't make one in the first place. The biggest pledg...
by rustymutt
Wed Feb 03, 2016 2:49 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4571

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Way to go Mr Krimnus! Keeping certain parts of our society contained is a blessing.
by rustymutt
Wed Feb 03, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar.com portfolio page not working
Replies: 5
Views: 129

Re: Morningstar.com portfolio page not working

I just read that they have a web beta version just bought out, and may still be working on bugs.
by rustymutt
Wed Feb 03, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar.com portfolio page not working
Replies: 5
Views: 129

Re: Morningstar.com portfolio page not working

gary11 wrote:I just logged in - portfolio page working fine for me.


I'm now working again for me also. They must have been doing some server work, or rebooting it. Thanks Gary.

Now it's service unavailable again.
by rustymutt
Wed Feb 03, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 104
Views: 9892

Re: How important is an international allocation?

One thing that I'll point out is the risk associated with foreign investments. We must remember the risk/reward ratio that exist with any investment. I'm in foreign investments for the reward they can offer. I saw this reward early in the 2000s. It was my only investment making anything. The diversi...
by rustymutt
Wed Feb 03, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar.com portfolio page not working
Replies: 5
Views: 129

Morningstar.com portfolio page not working

Anyone else having issues with Morningstar's portfolio page. Says that the server isn't available, or full.
by rustymutt
Tue Feb 02, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 32
Views: 2462

Re: How to stop MS loading Windows 10?

Turn off auto windows update.
by rustymutt
Sat Jan 30, 2016 9:13 am
Forum: Investing - Theory, News & General
Topic: Oil Slump ---- VGENX/FSENX? [Vanguard / Fidelity Energy Fund]
Replies: 27
Views: 2212

Re: Oil Slump ---- VGENX/FSENX? [Vanguard / Fidelity Energy Fund]

So you want to bet on sector investing? Way out of my knowledge base, and I've tried in the past, only to be somewhat distressed when the future didn't turnout like I expected. I've learned the hard way to be patient and just own the market.
by rustymutt
Sat Jan 30, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 4055

Re: Who else is holding in cash?

Why hold cash? Unless you're hedging that the markets are crashing. That's market timing, and many here at Bogleheads, myself included will tell you horror stories of this practise. That cash won't do anything if markets continue a slow steady climb towards new highs. While having some cash for livi...
by rustymutt
Sat Jan 30, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Printer suggestions?
Replies: 24
Views: 1605

Re: Printer suggestions?

Check out the Brother MFC-9130CW http://www.ebay.com/itm/Brother-MFC-9130CW-Digital-Color-Laser-All-in-One-Printer-w-Wireless-Networking-/201474387409?hash=item2ee8cf2dd1:g:RDAAAOSwp5JWWGd9 I have to second the Brother products. I've got a black and white laser printer with large capacity cartridge...
by rustymutt
Fri Jan 29, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2326

Re: Buying Carpet and Painting

Make sure your painters use a high quality paint. I used Sherwood Williams second best, and was quite pleased. It will last much long then cheaper paints. Pay more for great paint, and it's a savings long term.
by rustymutt
Thu Jan 28, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2640

Re: Manual can opener recommendation

Get one made in the USA. I just bought one made in China, and it was horrid at opening cans. The blade was to small. Partially opened cans made me mad.
by rustymutt
Thu Jan 28, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: What is Your Bond Allocation & Location
Replies: 38
Views: 3737

Re: What is Your Bond Allocation & Location

Age 60, retired. Social Security disability is my soul income stream. Debt free. All my bonds are in treasuries, and of that 20% Intermediate, 10% short term, and 10 TIPs.
by rustymutt
Tue Jan 26, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 53
Views: 3218

Re: Cutting Cable Cord Only to Strengthen Internet Cord

I think you'd be surprised at how little speed you actually need for streaming video. For the last couple years we've been streaming SD Netflix and Amazon video with just 3 to 5 mbps download speed. And that's while browsing the web simultaneously on a couple other devices. Then again, our TV is on...
by rustymutt
Tue Jan 26, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 53
Views: 3218

Re: Cutting Cable Cord Only to Strengthen Internet Cord

We dropped our cable and upped our internet one level to 50Mbps which is $55/month under contract or $70/month without. We stream most of our shows and movies and have never had an issue with the cable company limiting our usage despite a cap that they claim to have. I also have internet only cable...
by rustymutt
Sun Jan 24, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Help needed re Roth conversion & recharacterization
Replies: 15
Views: 660

Re: Help needed re Roth conversion & recharacterization

If you're using Turbo Tax, go into Form mode (by pressing CTRL 2) and look at the 1099R for the original conversion. Scroll to the section titled "Additional Distribution Information" Be sure the lines in Section B and C are filled out correctly. Its probably easier to go thru the Intervi...
by rustymutt
Sat Jan 23, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 6975

Re: Most anticipated retirement purchase

tennisplyr wrote:It's priceless....freedom


When a relative ask what I'm going to do in retirement, I just tell them whatever the heck I want. It's priceless is great way to describe it. I got my life back again. :happy
by rustymutt
Sat Jan 23, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: Hold risk constant or hold return constant?
Replies: 132
Views: 6387

Re: Hold risk constant or hold return constant?

I must be reminded that those who take the most risk, are supposed to gain the most. Sitting on the sidelines won't ever make one wealthier. Besides, that's a boring thing to do for me.
by rustymutt
Sat Jan 23, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 6975

Re: Most anticipated retirement purchase

A bass boat is coming my way this spring. I want the best electronic for finding the fish. I've been looking at boats online all morning. Man does the morning go by quickly. Lake Texoma? Yes, I've fished Texoma, but like the bigger stripped bass that Beaver lake has. That's even closer to me. I own...
by rustymutt
Sat Jan 23, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 6482

Re: I hate ETFs!!! [Lessons learned from market not going as expected]

ETF's are superior to most mutual funds because of The lower cost. Not with Vanguard, because almost every Vanguard ETF has corresponding Admiral shares with the same ER. But, the average Joe doesn't have enough to qualify for Admiral. But he can buy the ETF share class. So here again, ETFs have an...
by rustymutt
Sat Jan 23, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: Hold risk constant or hold return constant?
Replies: 132
Views: 6387

Re: Hold risk constant or hold return constant?

I get that. It's the same thing with dividend investors, verses growth. CDs, or bonds. And while it makes perfect sense to me that people want stability as an investor, you've really got to understand what it is that drives the markets in general. Do I understand that, no, but I do understand it som...
by rustymutt
Sat Jan 23, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 6975

Re: Most anticipated retirement purchase

A bass boat is coming my way this spring. I want the best electronic for finding the fish. I've been looking at boats online all morning. Man does the morning go by quickly.
by rustymutt
Sat Jan 23, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 6482

Re: I hate ETFs!!!

With mutual funds, you wouldn't have even been able to execute this type of trade unless you want to switch between a VG index fund and a much higher cost VG actively-managed fund. So, this type of TLH transaction (selling one emerging markets index fund and immediately buying another emerging mark...
by rustymutt
Sat Jan 23, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 6482

Re: I hate ETFs!!!

I love ETFs. I was able to buy near the lows of yesterday and the 20th. I made about 3% intraday on the 20th which no mutual fund investor could even have a chance of doing. And the 3% will not even show up on one of those Morningstar.com "growth of" charts. :) Do you know what a "ma...
by rustymutt
Fri Jan 22, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Is this article accurate? I sure hope not...
Replies: 34
Views: 3268

Re: Is this article accurate? I sure hope not...

In this guy hopes his prediction comes true, because then he can boost that he knew it. It's a scam as old as markets themselves.
He's like rolling the dice.

Ignore the noise is right.
by rustymutt
Thu Jan 21, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services Questions
Replies: 8
Views: 701

Re: Vanguard Trust Services Questions

Under common law, trusts may last for the lives of persons in being when the trust is created (in other words, at the death of the testator in the case of a trust created by Will), plus 21 years. That allows a trust to last for about 90 or 100 years. About half the states have repealed the rule aga...
by rustymutt
Thu Jan 21, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services Questions
Replies: 8
Views: 701

Re: Vanguard Trust Services Questions

It would be wise for you to seek the advice of an experienced estate planning attorney. You seem to want this trust to last forever. Years ago (too many to admit) I worked in the trust planning department of a financial institution. There I learned of the common-law notion called the "Rule Aga...
by rustymutt
Thu Jan 21, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 6838

Re: Market down - lost alot of $ - nervous..

Markets go up, and down. This is fact. Reversion to mean is real. Positive slope is also real, so don't sweat it, and have your risk tolerance understood well in advance. This a great time to buy equities. Buy low, sell high. Not a good time to sell for sure. Ignore the noise. Follow your IPS. Acade...
by rustymutt
Thu Jan 21, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services Questions
Replies: 8
Views: 701

Vanguard Trust Services Questions

I'm just off a call with a Vanguard trust official. Disappointed that they can't/won't follow my investment decisions after my death. That is to say they will completely revamp the investment structure, even adding foreign bonds to the mix. They don't allow for the continuation of my investment dire...
by rustymutt
Tue Jan 19, 2016 5:45 am
Forum: Investing - Help with Personal Investments
Topic: How accurate is vanguard's calculation of my investment returns?
Replies: 7
Views: 1069

Re: How accurate is vanguard's calculation of my investment returns?

They match my own calculations dollar for dollar. As far as loosing money, that's a sure thing as any investor will tell you that there are periods, some long, where loosing money is the norm. Just be patient and wait for the running of the bull.
by rustymutt
Mon Jan 18, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 11143

Re: Memory foam mattresses - any insight?

cjcerny wrote:Recent Consumer Reports recently covered mattresses. Seek it out at your local library.


Personally, I wouldn't give 2 bits for Consumer Reports. Been burned by their advice once to often.
by rustymutt
Mon Jan 18, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 7833

Re: Amazon Prime: doing the math...is it worth it?

Had Prime for 2 years, cancelled 3 years ago. I do miss Prime Instant Video, but living near a major Amazon warehouse (Owensboro) means super saver shipping only takes a handful of days anyway. Sometimes I have to wait a month to fill my cart with $35 worth of stuff. Not a big deal. PS, don't forge...
by rustymutt
Mon Jan 18, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 11143

Re: Memory foam mattresses - any insight?

I've bought to Sealy form mattresses from Sam's club in a box. Still using them both. They're rather firm, so unless you like firm mattresses, don't consider these. They came in a box about 4 by 2, with wheels for hauling the box around with. Takes about 48 hours on a floor to totally open and fill ...
by rustymutt
Sun Jan 17, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2489

Re: Bank of America disses older clients

I agree, and you should tell BoA what their contractor is doing in their name. They probably thought they were saving time by avoiding customers who weren't targeted, perhaps for product marketing, to give them the benefit of the doubt. But the result is disturbing. :D I"d take is a step furth...
by rustymutt
Sun Jan 17, 2016 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: What is your action plan?
Replies: 43
Views: 2465

Re: What is your action plan?

I think you mean what's my IPS, don't you? That is our plan of action. Set your allocations, and rebalance when it's out of whack to a predetermined amount. No other action needed.
by rustymutt
Sun Jan 17, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How's it going?....any self-doubt?
Replies: 47
Views: 3829

Re: How's it going?....any self-doubt?

Down 5%. Not worried about it. Better things to worry about. LOL
by rustymutt
Sun Jan 17, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Strange Odor from Cold Water Only
Replies: 23
Views: 1491

Re: Strange Odor from Cold Water Only

Mildew would be killed off in the hot water tank. It may be mildew your smelling. I too get this once in a while. At first I think it's a dish rag, or towel, but then it's gone in 10 seconds. I only smell it when the water is first turned on, and hasn't been run for quite some time. I think it's got...
by rustymutt
Sat Jan 16, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4067

Re: Pizza Stone / Homemade Pizza Advice

More important than a stone for pizza, is the flour you use. You want 00 milled flour. This gives the elasticity to flour, salt, water mix and makes the best crunchy crust I've ever had. You may have to special order this type of flour. Then use lots of olive oil on whatever you cook it on. Also inf...
by rustymutt
Fri Jan 15, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R For Roth withdraw due to disability
Replies: 9
Views: 544

Re: 1099R For Roth withdraw due to disability

I think I figured out how TurboTax handles this. From the forms index, I selected the already entered 1099 R and found this: If Box 7 code is J or T, check if a qualified distribution. (See help) That box was not checked, and I checked it, and the total tax owed dropped to what I expected it would ...
by rustymutt
Fri Jan 15, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 126
Views: 11954

Re: I'm Calling an Emerging Markets Bottom

Correct me if I'm wrong, but doesn't small cap usually lead market returns in bullish markets. That would make me recommend EEMS as the small cap value EM ETF to invest in.

I suggest using EEMS, and tilting towards small value.
by rustymutt
Fri Jan 15, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: 1099R For Roth withdraw due to disability
Replies: 9
Views: 544

Re: 1099R For Roth withdraw due to disability

I think I figured out how TurboTax handles this. From the forms index, I selected the already entered 1099 R and found this: If Box 7 code is J or T, check if a qualified distribution. (See help) That box was not checked, and I checked it, and the total tax owed dropped to what I expected it would b...

Go to advanced search