Search found 3348 matches

by rustymutt
Wed May 04, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 89
Views: 3005

Re: Sci-Fi ... your favorite movies and episodes??

Alfred Hitchcock's The Birds. I even visited Bodega Bay and the little inland church town where much of the school house scenes were shot. Watched gray whales feeding out at the Park, while watching a fox chase mice in a field not 40 yards from where we stood. What an enchanting area of our nation.
by rustymutt
Thu Apr 28, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: centurylink raising prices while under contact
Replies: 15
Views: 1417

Re: centurylink raising prices while under contact

Here is what the agreement says: 4. Changes to Service or this Agreement. CenturyLink is not obligated to give you notice of changes to this Agreement before it becomes effective. You should review the Agreement at the time it becomes effective for you. Subject to any applicable rules or laws, Cent...
by rustymutt
Wed Apr 20, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Updating to "New" Vanguard Accounts
Replies: 9
Views: 1338

Re: Updating to "New" Vanguard Accounts

They haven't been pestering me about it, but I did call them and tell em to make that change for me. They had to do it for me. Tomorrow I'll see the results. Should make the cash balance part of Quicken work better. We'll see with time. By the way, I'm quite happy with Vanguard, and have not had any...
by rustymutt
Sat Apr 16, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: centurylink raising prices while under contact
Replies: 15
Views: 1417

Re: centurylink raising prices while under contact

If it's this important to you, ask them to keep it at the same level they sold you at, or your leaving to go elsewhere. This places the ball in their court. Personally, I'd walk if lied to me about pricing. They play games that I believe are unethical. I simply don't play with it, and you shouldn't ...
by rustymutt
Sat Apr 16, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 10716

Re: What are Pros and Cons to the "Four Hour Workweek?"

Well, you could have went to dinner with a friend with Stage 4 Pancreatic Cancer, and you would have come away with feeling very lucky and asking yourself similar questions. Life is a Card Game and you play the hand you are dealt. You may be dealt Talent, Looks, Smarts and basically cannot lose unl...
by rustymutt
Fri Apr 15, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: "Hard Truths For Investors To Wrap Their Heads Around"
Replies: 23
Views: 3363

Re: "Hard Truths For Investors To Wrap Their Heads Around"

Taylor that really is great reading. The truth is there. Thanks for the read.
by rustymutt
Thu Apr 14, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: BEST Portfolio Tracker
Replies: 33
Views: 2506

Re: BEST Portfolio Tracker

I use the free version of Morningstar, and my own customized Open Office spreadsheet with GetQuote function being utilized. When I open the spreadsheet, Getquote goes out to internet "Yahoo" and gets the most recently posted "20 minute delayed" prices. Very simple, and works for ...
by rustymutt
Tue Apr 12, 2016 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1111

Re: Auto insurance rate hike issue

Businesses (Insurance companies, banks) love making profits from people small mistakes.
Yes, change companies. That's what you need to do. 1 ticket shouldn't cause that much of an increase.
by rustymutt
Mon Apr 11, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 14
Views: 1233

Re: Help please - Vanguard money market causes Quicken to be incorrect

Yes, I also have the same issue. I just simply started deleting the cash balance that shows up in both MM, and Brokerage. Within the week they correct with a new download. And I have seen a thread here in the past eluding to the same thing. Quicken don't work well with Vanguard.
by rustymutt
Sun Apr 10, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Looking to buy a decent Windows laptop ...
Replies: 17
Views: 1746

Re: Looking to buy a decent Windows laptop ...

I bought 3, i7 refurbished Dell Inspiron laptops 3 years ago, and 2 are still going strong. I upgraded to Windows 10 when it was offered. No problems at all. I'd use Dell again. I'm happy with them. 1 was dropped about 6 foot, and they aren't drop proofed.
by rustymutt
Sat Apr 09, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 2088

Re: Parts of Vanguard's website down?

I had online issues with Vanguard this morning, but it quickly cleared up and is working now.
by rustymutt
Wed Apr 06, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Appliance Repairs: Is it worth it?
Replies: 44
Views: 4263

Re: Appliance Repairs: Is it worth it?

Let me see, this broke once, so good chance it will break again. So? Glad it's not me in this situation. Great question. Been there, done that. If you like the ice box, consider getting it fixed, but if you don't like the ice box, sending it packing a get a new one you like. Just be on notice that a...
by rustymutt
Thu Mar 31, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8987

Re: leaving vanguard due to math errors / poor customer service?

Find yourself a nice low keyed legal adviser chill out. A forum isn't the place to lodge such complaints.
That's my opinion.
by rustymutt
Thu Mar 31, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5471

Re: Do you pay for yardwork?

That's good that we've got choices on how we do things. I can see a day when for health reasons I couldn't continue to do it.
by rustymutt
Thu Mar 31, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: I could use a retirement plan overview
Replies: 15
Views: 1742

Re: I could use a retirement plan overview

Welcome to the forum! Consider investing in a ROTH IRA up to the max if you can't get a match. You will have much more flexibility. elgob I agree with a Roth. Man, I'd fund both the 401K, and Roth. Make those your work horse and in 40 years that will work. Pay yourself first. I agree that the most ...
by rustymutt
Thu Mar 31, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: I could use a retirement plan overview
Replies: 15
Views: 1742

Re: I could use a retirement plan overview

Shop around if you can. Look for the same index, or similar style box. Cost matter. .06 is way better than .23 on an S&P 500 index fund. VFINX is Vanguard's version of that. That fee, or cost you pay the managers of the fund, add up as the years go by and compounding takes place. Over a 40 year ...
by rustymutt
Thu Mar 31, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5471

Re: Do you pay for yardwork?

Not if I can personally do the work. I pride myself on getting it done, exactly when it needs it, and not when the contractor shows up to work. Hey if if ain't done right, talk to the boss man about it. Now a large tree, and stump, would see a contractor.
Licensed for sure.
by rustymutt
Tue Mar 29, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore on Bear Markets
Replies: 31
Views: 3635

Re: Taylor Larimore on Bear Markets

Taylor, your advise is always welcome in my mental financial well being section of memory. Thanks again for sharing your experiences with us younger folks. You and your buddy Jack, have done a swell job educating us who needed education.
Thank You ! :sharebeer
by rustymutt
Thu Mar 24, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 403b options... what should i Pick
Replies: 20
Views: 903

Re: 403b options... what should i Pick

Live below your means and always read the agreements.
by rustymutt
Tue Mar 22, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax
Replies: 13
Views: 1022

Re: Turbo Tax

sarahjane wrote:You can't see the supporting forms (aside from 1040) until you PAY.


You can hardly blame them from protecting themselves for the likes of me. I want it free, and yesterday.
by rustymutt
Tue Mar 22, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Do different funds track the S&P 500 Index the same way?
Replies: 7
Views: 554

Re: Do different funds track the S&P 500 Index the same way?

They track in virtually the same way, by holding all the constituents at almost the exact same weightings and keeping almost exactly the same market exposure. If you're seeing a small difference (small fractional percentage) on a given day, it can be from roundoff error in share prices. But underly...
by rustymutt
Tue Mar 22, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax
Replies: 13
Views: 1022

Re: Turbo Tax

Turbo Tax has a few got you issues, so you must watch out for them. They have different software versions, and they don't all overlap for redundancy. Buy the right tool for your return. And pay attention to keeping records for 5 years. Data backup devises are a must have for security, and responsibi...
by rustymutt
Tue Mar 22, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Do different funds track the S&P 500 Index the same way?
Replies: 7
Views: 554

Re: Do different funds track the S&P 500 Index the same way?

My guess is that that fund tracks some lesser version of similar tracking market fund. Does it tilt capital large, small, value, growth. One of many factors that now get tossed into the tea pot so to speak. It may not be the same asset class that you believe it to be. Check asset class description c...
by rustymutt
Tue Mar 22, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax
Replies: 13
Views: 1022

Re: Turbo Tax

Isn't that sweet. You don't have to do it, cause the computer does.
by rustymutt
Tue Mar 22, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Trip to Yellowstone / Grand Teton area.
Replies: 27
Views: 2167

Re: Trip to Yellowstone / Grand Teton area.

We spent a couple nights at the Old Faithful hot springs. From there are many day trips to see. We went for the hot springs and bison. It was assume having bison bumming our mirrors on the Suburban we were in. And repeatedly requested that the boys not pet the bison. We survived the bison, but the s...
by rustymutt
Mon Mar 21, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Trip to Yellowstone / Grand Teton area.
Replies: 27
Views: 2167

Re: Trip to Yellowstone / Grand Teton area.

You didn't say where you're coming from but if from the east, you could take I70 to Denver then up I25 and cut over to Estes Park and Rocky Mountain National Park do some hiking up Bear/Emerald Lake (no bear problems as Yellowstone), camp in Moraine or Aspengale (spelling) campsites. Yep its a popu...
by rustymutt
Mon Mar 21, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Bond Funds
Replies: 5
Views: 998

Re: Vanguard Bond Funds

I use the VBIAX fund with my Roth IRA. It's been old reliable. Payout is sure and steady. With up side potential.
They use a 60/40 balanced approach to investing. Low cost is the investors favor here. Makes it so easy to manage for taxes, and other funding needs.
by rustymutt
Mon Mar 21, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: How can we see if stock markets are about to crash?
Replies: 52
Views: 3987

Re: How can we see if stock markets are about to crash?

Is this like an online game we sign up for?
by rustymutt
Sun Mar 20, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Hotel in Fisherman's Wharf district of San Francisco
Replies: 15
Views: 1576

Re: Hotel in Fisherman's Wharf district of San Francisco

Planning to visit San Francisco in April. We've been before. Love walking this city, and seeing the sites. This time we want to stay within 5-6 blocks of Fisherman's Wharf. Would love an indoor pool, but not absolutely necessary. Last time we stayed at a Bed and Breakfast. It was nice, but we'd rat...
by rustymutt
Sun Mar 20, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Trip to Yellowstone / Grand Teton area.
Replies: 27
Views: 2167

Re: Trip to Yellowstone / Grand Teton area.

1) We camped at Madison. We bought groceries from West Yellowstone, MT. Maybe Madison is better if you want to be closer to Grand Teton too. You won't be far from some of the nice basins either, e.g. Upper Geyser Basin. 2) Don't miss the main basins and the grand canyon of the Yellowstone. If you h...
by rustymutt
Fri Mar 18, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 38
Views: 4834

Re: Well, I caved [bought new car]

That's not a once in lifetime event unfortunately. Stay tuned. :happy
by rustymutt
Wed Mar 16, 2016 6:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: I love this forum
Replies: 16
Views: 1960

Re: I love this forum

You know it's just so refreshing when people want to learn and share, and have such nice places as Bogleheads.com to enjoy. I tip my hat/hats to you all. You young people need to just save harder, and play even harder yet. You'll get to your zone of financial knowledge. Start savings early on, and c...
by rustymutt
Wed Mar 16, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: Interesting new research on illiquidity factor
Replies: 10
Views: 1002

Re: Interesting new research on illiquidity factor

That was like way over my head Larry, But, I'll take you at you word for it. Thanks for your inputs.
by rustymutt
Wed Mar 16, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Options for Teachers
Replies: 18
Views: 1205

Re: 403(b) Options for Teachers

My ex was a school teacher, and I checked into those 403b plans in Kansas. They were all loaded funds at the time. Still are surprise, surprise. I even spoke to the official in charge of this program in Kansas and told him that no-load funds should also be offered. But it fell short of going anyway....
by rustymutt
Mon Mar 14, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is California income tax-friendly for early retirees?
Replies: 71
Views: 6097

Re: Is California income tax-friendly for early retirees?

Is the cost of water pretty much the same in all those states? Drought is a word the California's, and Oregon's both understand well I'm sure. I just have noticed that my water bill hardly creeps along pace inflation even. Does this justify placing your owned well for water rights? I don't know wher...
by rustymutt
Sun Mar 13, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs Becoming A Worse Investment?
Replies: 40
Views: 4543

Re: Are CDs Becoming A Worse Investment?

CDs in my opinion are safe instruments in which to place your cash. I consider them Certificates of Depreciation for long term monies. :shock: Depending on family status, they can play a huge part of a smart no nonsense approach to investing. For many those lousy CD rates are guaranteed. For a 85 y...
by rustymutt
Sat Mar 05, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 12
Views: 1704

Re: Emerging Markets Small Cap Value

You can consider EEMS, and/or EWX. I recently switched to EWX, because it's paying out better dividends, and in this low interest environment, I want better dividends. Taxable or tax-deferred account? I do not recommend EWX for a taxable account. That high dividend yield has a lot of non-qualified ...
by rustymutt
Sat Mar 05, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: What to do if bonds have negative returns?
Replies: 58
Views: 6179

Re: What to do if bonds have negative returns?

dunscap wrote:
rkhusky wrote:
alec wrote:Pay off debt.


No, go further in debt. That will be a great day when the bank pays me for my mortgage.

Or refinance debt. This is the most risk-less move.


Absolutely agree with that advice. It's a sure positive.
by rustymutt
Sat Mar 05, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 12
Views: 1704

Re: Emerging Markets Small Cap Value

You can consider EEMS, and/or EWX. I recently switched to EWX, because it's paying out better dividends, and in this low interest environment, I want better dividends.
by rustymutt
Sat Mar 05, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: What to do if bonds have negative returns?
Replies: 58
Views: 6179

Re: What to do if bonds have negative returns?

Bogleheads....apologies if this is the dumbest question ever. But I am wondering about the implications of what I see happening in Japan and the EU. They have adopted policies of negative returns ('NIRP') to bonds they issue. That is not happening here in the US, fortunately. Dumbest question ever(...
by rustymutt
Sat Mar 05, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle a steadily declining nest egg?
Replies: 50
Views: 5569

Re: How do you handle a steadily declining nest egg?

Reduce spending, and learn to live even more beneath my expected lifestyle. As long as I've got my health, that's the most important thing. Learn to be thankful for what we've got, rather than what we'd like. That's the best advise I can share.
by rustymutt
Fri Mar 04, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4151

Re: Do You Give Your Friends Investment Advice?

Many people fall for the seduction of a fancy steak dinner provided by an investment company salesman, coupled with the vacuous promise of outperformance, instead of actual financial studies and evidence. Such people seem to have been born that way. You cannot change their ego and mindset. Direct t...
by rustymutt
Fri Mar 04, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4151

Re: Do You Give Your Friends Investment Advice?

You can imagine how scared I was when my 82 year old mother ask me to help her with investments. I did a bunch of quick reads on proper asset allocation for someone her age. We ended up with mostly brokered CDs at 3.3 to 3.4 percent. I admit to being somewhat nervous, as I didn't want to be responsi...
by rustymutt
Fri Mar 04, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4151

Re: Do You Give Your Friends Investment Advice?

Absolutely not. Unless they ask. I'd have lost a few friends by now if I had. I do discuss principle of investing with them, but they aren't able to understand it. I've suggested some easy to reads, such as "The Little Book of Common Sense Investing". I also recommend Bogleheads.com. We're...
by rustymutt
Fri Mar 04, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 6982

Re: Just lost 4.08% on Forever stamps.

Oh the irony. If that's the worst of it, you'll be OK. Better hope they don't drop another 2 cents. Deflation is something to worry about. :shock:
by rustymutt
Thu Mar 03, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: "If You Can" book - Free Promo
Replies: 27
Views: 3894

Re: "If You Can" book - Free Promo

Thank you!
by rustymutt
Sat Feb 27, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Dusty House
Replies: 20
Views: 2156

Re: Dusty House

Living in farming country, yes my home gets dusty also. Seems that your taking the good steps to a less dusty environment. Do you ever open up your home for fresh air? I do this often, and note that the dust seems more after a day of open house. So I just dust more. It's good exorcise.
by rustymutt
Sat Feb 27, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 Premier Question [Must re-enter Intuit ID]
Replies: 9
Views: 378

Re: Quicken 2015 Premier Question

Sure, to receive the Intuit updates for quicken, you must prove who you are to them. That's your Intuit ID and password. It's different from your own vaulted password in Quicken.
by rustymutt
Sat Feb 27, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: Best reason why the market will always go up?
Replies: 66
Views: 6794

Re: Best reason why the market will always go up?

It won't always go up. What makes anyone think that the markets always goes up. There can long periods of the markets going down. So the same question could be ask. What's the reason that the markets will always go down? I rest my case. There has always been a positive lifetime slope to markets.

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