Search found 3434 matches

by rustymutt
Mon Dec 05, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Buy versus rent
Replies: 7
Views: 602

Re: Buy versus rent

http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html If I put in $700k house, for 5 years, 30 year morgage and 20%, the result is: better to rent if you can rent for less than $2,816. If 3 years, $3,597. Mind you, there are a lot of other variables you should play with. But the b...
by rustymutt
Tue Nov 29, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6620

Re: Why does the car dealer say leasing is cheaper than buying?

I wouldn't take anything the dealer tells you as truth, rather run the numbers yourself, and consider the situation you're personally in. No vehicle lease I've been offered, ever was better for me. I tend to own my vehicles a long time. Don't ever believe what they tell you, but verify yourself. I'm...
by rustymutt
Wed Nov 16, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 4782

Re: Liver

itstoomuch wrote:go eat some, hot dogs.

One could wait for the the next Market collapse, and then there will be plenty of "chopped liver". :oops: No prep needed. :happy
YCLMV


You got the potted meat market cornered yet?
by rustymutt
Mon Nov 14, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 1670

Re: Are all high-efficiency washers ridiculously LOUD?

Market guys? Now they want quiet, high efficiency. LG engineers, get with it. Another demand for better products, and I'm holding my breath. Does Bosch make washers? Their dishwashers are great. I have often wondered what it would take to make a washing machine that is 10X more stable than best of ...
by rustymutt
Mon Nov 14, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: "Stay the Course in the Next Bad Market?"
Replies: 32
Views: 5470

Re: "Stay the Course in the Next Bad Market?"

Yes Sir? Thank you for sharing your wisdom and knowledge. My life is much better because of people like you Taylor. And by the way, I hope your Veterans day was good. Thank you for your service to our nation.
by rustymutt
Mon Nov 14, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 1670

Re: Are all high-efficiency washers ridiculously LOUD?

Market guys? Now they want quiet, high efficiency. LG engineers, get with it. Another demand for better products, and I'm holding my breath.

Does Bosch make washers? Their dishwashers are great.
by rustymutt
Mon Nov 14, 2016 10:54 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 19236

Re: Why are bonds dropping? They are supposed to be safe.

Bonds have been dropping every day [recently...] Why ? I thought they were a stable fixed investment. riptide: You have made over 600 posts during the last two years. I am surprised that you do not know that bonds fluctuate? Care to explain? Thank you and best wishes. Taylor Good point. I once had ...
by rustymutt
Sat Nov 12, 2016 9:42 am
Forum: Forum Issues and Administration
Topic: SOFTWARE UPGRADE Saturday, 10:00 AM Eastern (15:00 UTC)
Replies: 8
Views: 956

Re: SOFTWARE UPGRADE Saturday, 10:00 AM Eastern (15:00 UTC)

I hope it goes as planned without complications. Thank you folks for working on the site for us. I really appreciate the work that all of you administrators do. This is without a doubt the website I read most, I really enjoy reading others post. All who contribute, thanks.
by rustymutt
Wed Nov 09, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: Bonds are getting crushed...
Replies: 42
Views: 8832

Re: Bonds are getting crushed...

Buy more, but quit the constant whining about it. Does no good unless your a journalist. :D
You market timing geniuses go right ahead. So so darn intelligent.
by rustymutt
Wed Nov 09, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 3675

Re: Risk of not paying sales tax?

By all means pay your sales tax, or risk the Kings jail. I don't look for ways to go to jail, and you shouldn't either.
by rustymutt
Tue Nov 08, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Tipping Fedex/UPS guy?
Replies: 53
Views: 10568

Re: Tipping Fedex/UPS guy?

No. I don't tip the girl at the meat counter or the dude at checkout in the grocery store either. JT Well if she does a great job on my strip steaks, I might just tip her. I enjoy tipping quietly, without fanfare. It's my way of acknowledging the blessings received. Most UPS workers are well paid, ...
by rustymutt
Tue Nov 08, 2016 7:14 am
Forum: Personal Consumer Issues
Topic: Tipping Fedex/UPS guy?
Replies: 53
Views: 10568

Re: Tipping Fedex/UPS guy?

tim1999 wrote:Never. They are well compensated by their employers.



How about we use that tip money to help someone without a job? These guys are paid quite well for their work, and I don't believe it's prudent to tip them.
by rustymutt
Tue Nov 08, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 80
Views: 21105

Re: If I Knew Then What I Know Now

Priceless information freely shared on the internet. I hope it helps someone get with it.
:D
by rustymutt
Sun Nov 06, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Battery backup for cable modem and router.
Replies: 36
Views: 2382

Re: Battery backup for cable modem and router.

Angelus359 wrote:APC has better software. Cyberpower has better surge resistance, and is cheaper per capacity.



APC is tops in the small UPS market. I agree.
by rustymutt
Sun Nov 06, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Battery backup for cable modem and router.
Replies: 36
Views: 2382

Re: Battery backup for cable modem and router.

Cosco, or Sam's sale nice UPS units. I used Sam's large UPS at under $200 to back up IP phone systems I'm installing. They work great. No interruptions of communications. It would do the trick for you.
by rustymutt
Sun Nov 06, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 2994

Re: Dress shoes

sport wrote:I like Rockports. They are comfortable and durable. They make some nice dress slip-ons too.

http://www.rockport.com/rockport/mens-slip-ons


Plus one on Rockports.
by rustymutt
Wed Nov 02, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: "A Bored Investor is a Dangerous Thing"
Replies: 5
Views: 970

Re: "A Bored Investor is a Dangerous Thing"

We appreciate your reminder to us not to panic, and do a dumb thing.
by rustymutt
Wed Oct 26, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs really becoming a bad idea?
Replies: 47
Views: 5160

Re: Are ETFs really becoming a bad idea?

Ignore reading anything on those sites, and learn how investing works yourself, and don't let high dollar paid industrial spokesperson teach you their ways. Ignore the investing porn. I'm all ETF's and have been for 4 years now. Trade like stocks if I wanted to. Makes portfolio re-balancing so easy ...
by rustymutt
Sun Oct 23, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: VTRIX (Vanguard International Value) history?
Replies: 13
Views: 1496

Re: VTRIX (Vanguard International Value) history?

I was happy to hold this fund during the first half of that last decade. It kept my portfolio positive during some troubling years in the USA markets. Since have switched to an ETF EFAV. foreign developed markets
by rustymutt
Wed Oct 19, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 Windows is also available
Replies: 8
Views: 1304

Re: Quicken 2017 Windows is also available

Being patient in any expenditure is prudent. Black Monday specials may get us some discounts. If not, after the first of the year. They've tried like termites to eat into my finances each year since I made the original purchase, some 25 years ago, or so seems.
by rustymutt
Wed Oct 19, 2016 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 Windows is also available
Replies: 8
Views: 1304

Re: Quicken 2017 Windows is also available

Hey, thanks for the heads up, as Quicken's offered that to me also. I'm on 2015 premier, and had just waited.
:moneybag :moneybag
by rustymutt
Tue Oct 18, 2016 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I relocate for this job or stay put?
Replies: 79
Views: 4519

Re: Should I relocate for this job or stay put?

Expand your contacts in business, and grow in stature, and skill. Continue to educate yourself, and make your talent even greater. Be the man that they go to solve problems, and leave no loose ends. The sky is the limit my friend. God speed.
by rustymutt
Mon Oct 17, 2016 5:23 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 58
Views: 3707

Re: Least expensive iPhone

Why would this not work: https://www.amazon.com/Apple-iPhone-Factory-Unlocked-Phone/dp/B00NQGP42Y/ref=pd_lpo_107_bs_img_2?ie=UTF8&psc=1&refRID=2WE3J46HP5HR8Y11TKYD The question would be what you plan to do with the phone. Note in the description there is language about what service provider...
by rustymutt
Wed Oct 12, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: taxable account - what to buy? part of my contingency fund
Replies: 13
Views: 1070

Re: taxable account - what to buy? part of my contingency fund

No, that 2% is doesn't keep up with inflation, and that's not why I keep funds in this account. I have TIPs to account for inflation, on my tax advantaged accounts. I keep just enough cash for living expenses into near future. I'm not looking for wealth, as I said early on, this is only short term m...
by rustymutt
Wed Oct 12, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Experience with new homebuilders
Replies: 12
Views: 1094

Re: Experience with new homebuilders

I would not hire a builder who wasn't working for an architect, that I'd hired to help plan and build the structure. Local architect who knows soil conditions in areas you like. As others have stated, most general home contractor builders, hire subs, who will skip corners like there's no tomorrow. ...
by rustymutt
Wed Oct 12, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Experience with new homebuilders
Replies: 12
Views: 1094

Re: Experience with new homebuilders

I would not hire a builder who wasn't working for an architect, that I'd hired to help plan and build the structure. Local architect who knows soil conditions in areas you like. As others have stated, most general home contractor builders, hire subs, who will skip corners like there's no tomorrow. ...
by rustymutt
Wed Oct 12, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: taxable account - what to buy? part of my contingency fund
Replies: 13
Views: 1070

Re: taxable account - what to buy? part of my contingency fund

jjface wrote:I am not sure anyone should deposit money at a bank called redneck bank!

Bogleheads do seem to go a bit crazy with squeezing out an extra 0.25%. I'd rather stick to a reliable well known bank/credit union.


Isn't Well's Fargo a redneck bank? How did that work out?
by rustymutt
Wed Oct 12, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Experience with new homebuilders
Replies: 12
Views: 1094

Re: Experience with new homebuilders

I would not hire a builder who wasn't working for an architect, that I'd hired to help plan and build the structure. Local architect who knows soil conditions in areas you like. As others have stated, most general home contractor builders, hire subs, who will skip corners like there's no tomorrow. B...
by rustymutt
Wed Oct 12, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: taxable account - what to buy? part of my contingency fund
Replies: 13
Views: 1070

Re: taxable account - what to buy? part of my contingency fund

Why not consider putting a portion of your wealth here into short term corporate bonds, with very low interest rate threat, but better then money market accounts. For example Vanguard has VFSTX, which I myself use in this situation. Yields 1.97 currently. I'm not looking for wealth here at all, but ...
by rustymutt
Sun Oct 09, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10569

Re: Favorite Coffee

Currently it's Quik-Trip blend, gotten at Walmart. Very strong, and bold, as I love.
by rustymutt
Sat Oct 08, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1277

Re: Looking for good mountain scenery near Denver

http://cpw.state.co.us/placestogo/Parks/roxborough

We saw Black bear at this park, and had a wonderful walk on trails. The colors this time of year are spectacular.
4000 acres, and all kinds of wild flowers. Just beautiful. And not that all far away from Denver either. Have fun.
by rustymutt
Fri Sep 30, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 5885

Re: Replace car battery after X years or wait till it dies?

Cartman 6/12V Car/ Motor 100 Amp Battery Load Tester on Amazon.com This is the type tester I use, and you monitor the battery, batteries with it. Puts a resistor load on it, and see how it holds up during the test real time analog scale. I test for about a minute, and by then you could fry an egg on...
by rustymutt
Thu Sep 29, 2016 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Financial adviser's advice
Replies: 22
Views: 2688

Re: Financial adviser's advice

This is great. For the adviser. For you, not so much. Complex financial products, high fees. You'll help put his kids through college. Without knowing any details of your situation, I'll but this would be much, much better: Vanguard Total Stock Market 40% Vanguard Total International Stock Market 2...
by rustymutt
Thu Sep 29, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 4715

Re: Remodel blunter: kitchen design flaw. What can I do now?

joebh wrote:Get a different plumber.

If sufficiently motivated, the small cabinet door won't be a deterrent.


Find a tiny plumber. :sharebeer
by rustymutt
Sun Sep 25, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1267

Re: yahoo class action email suit

Not a chance. Everyone who signed up for Yahoo, agreed to a legal process that protects them from law suit beyond their control. They aren't consider to be at fault for this illegal hack.
by rustymutt
Sun Sep 25, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3440

Re: Stain Our Deck Before Winter - $3,000 or DIY?

I had to clean and reseal a redwood deck in Kansas. Sun and rain take the toll on finishes. I went Home depot premium Bear deck cleaner, and sealer/stain in a semi-transparent on the deck itself, and solid stain on verticals and horizontals. I rented a pressure sprayer for the cleaning process. Work...
by rustymutt
Sun Sep 25, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 3126

Re: Selling in October

It's a gamble at best. Good luck with that move. I'm setting pat, thank you.
by rustymutt
Fri Sep 23, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 141
Views: 12109

Re: The Trouble with "Buy and Hold"

I, too, think this is a worthwhile discussion to have, and the OP has been courteous in response to the criticism. The results of the study in question are interesting. I find it a strong point that the method is tested on several different asset classes and it gives consistent positive results in ...
by rustymutt
Fri Sep 23, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Fundamental Difference in Roth and Traditional 401k
Replies: 49
Views: 3255

Re: Fundamental Difference in Roth and Traditional 401k

One big difference is that you can control your tax situation better with Roth withdraws, than 401K, or IRA withdraws. And doing so every year with thought and planning, help make the most out of your money. Some say it's not worth the efforts to have a Roth. I disagree. I'm in retirement, and that...
by rustymutt
Fri Sep 23, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 141
Views: 12109

Re: The Trouble with "Buy and Hold"

Hi Trouble, Most Bogleheads have been using buy and hold for years, successfully I might add. So the views you get here are not exactly what you might expect. Your trouble with "Buy and Hold", isn't our trouble. In fact most of us that have done it this way for years, and remember what Tay...
by rustymutt
Fri Sep 23, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Fundamental Difference in Roth and Traditional 401k
Replies: 49
Views: 3255

Re: Fundamental Difference in Roth and Traditional 401k

One big difference is that you can control your tax situation better with Roth withdraws, than 401K, or IRA withdraws. And doing so every year with thought and planning, help make the most out of your money. Some say it's not worth the efforts to have a Roth. I disagree. I'm in retirement, and that ...
by rustymutt
Fri Sep 16, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1318

Re: Where Do BHs Register Business Web Domains?

I used Godaddy.com
by rustymutt
Wed Sep 14, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 1991

Re: Any Car expert out there : Check Engine Light on

It's built into the newer cars, and trucks to remind you that you engine needs service. I don't like it myself. I find it annoying, and unnecessary for someone such as myself. I"m very organized with my maintenance. Take it by your dealer, and they will punch in a code on the instrument panel c...
by rustymutt
Wed Aug 24, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 681
Views: 272197

Re: Ultimate Buy and Hold - 8 slices vs 4

That's 50% of the equity side of the portfolio, not 50% of the total. So if your portfolio is 100K and your alllocation is 60/40
Then 40K is bonds and only 30K in international.
by rustymutt
Wed Aug 24, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33743

Re: Frugality regret: What thing do you regret not spending on?

Not marrying my first girl friend at age 18, because I was broke. If you're in love, get married. Don't worry about other things, as they have ways of working themselves out. Other than that, none.

:happy
by rustymutt
Thu Aug 18, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 3621

Re: Orange cable from utility pole on the ground on my property

It will be buried at some point in the future by contractors that don't give a dame about your bushes, yard, or other items in the way. This is industry standard practice.
by rustymutt
Sat Aug 13, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: I am tempted to time the market
Replies: 36
Views: 2760

Re: I am tempted to time the market

Talk me out of why this doesn't make sense I have done this before,seriously,when I was younger and needed assistance in staying the course. Look straight in the mirror and talk to the person you see. You know what to tell them regarding staying the course and letting Compounding take care of the r...
by rustymutt
Sat Aug 13, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: I am tempted to time the market
Replies: 36
Views: 2760

Re: I am tempted to time the market

Everything I read says don't try to time the market. As a 41 year old who is 15 years from retirement I am 90% stock market index fund and 10% bond. The market has been on one of the longest bull runs so I am thinking I should re-balance and go into cash and/or bonds because it seems like the corre...
by rustymutt
Sat Aug 13, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: air conditioning filters
Replies: 36
Views: 2821

Re: air conditioning filters

I have use all kinds of filters in my lifetime, including the electronically charged ones. I'm now down to 3/4 wide, single ply which I replace monthly. Much less dust than I use to have. Keeping home cleaner is goal. I also open up my home weekly for a few hours, to let the air refresh. Costly, but...
by rustymutt
Sat Jul 09, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2900

Re: Mice in my grill

It looks like mice have been nesting in my grill. I keep it covered up and keep it clean including the grease trap. Anybody else have this problem? How do you get rid of them? And please don't say get a cat as that is not an option for me. I found that snakes reduce the mice population. :happy Seri...

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