Search found 3481 matches

by rustymutt
Wed Jan 11, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2523

Re: Anyone else having trouble with unrequested CVS auto-refills?

I suddenly started getting phone-stalked by CVS asking me for refills, auto-refills, calling my doctor for refills, you name it. I thought it was just me, but I see they have a problem. I'll try to cancel my auto-fill service. I find it confusing when prescriptions magically appear for no reason. I...
by rustymutt
Wed Jan 11, 2017 7:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13140

Re: Sad News About a Respected Forum Member

Lost both my father, and grandad to leukemia. My heart goes out to his family and friends.
by rustymutt
Wed Jan 11, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 6291

Re: How to politely fire my financial advisor

Don't use the word fired. You don't owe them a thing. Make this as easy on yourself as you can.
I'm my own financial advisor, and had to even threaten to fire myself, if I don't stick to my IPO.
Just take what's yours, and leave.
by rustymutt
Tue Jan 10, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2523

Re: Anyone else having trouble with unrequested CVS auto-refills?

Pajamas wrote:Change the phone number they have on file for you to the CVS corporate number, 1-401-765-1500.



Brillant !
by rustymutt
Tue Jan 10, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2523

Re: Anyone else having trouble with unrequested CVS auto-refills?

It's giving me higher blood pressure readings. Thanks CVS! LOL
by rustymutt
Tue Jan 10, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2523

Re: Anyone else having trouble with unrequested CVS auto-refills?

Yes, and I've ask them 3 times to stop it. Must be an automatic thing. Last time I threatened to go to Walgreens, and haven't gotten one yet.
Not crazy about CVS. Long wait times in the store for pickup.
by rustymutt
Tue Jan 10, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Kiplinger Vanguard article
Replies: 4
Views: 670

Re: Kiplinger Vanguard article

There is nothing here substantially different from the Boglehead 3-fund portfolio with glide path. If anything, the latter portfolio's similar allocation in Admiral shares has a ~2bp lower overall expense ratio (50% VTSAX, 25% VTIAX, 25% VBTLX). Off subject here. How's that weather in sunny souther...
by rustymutt
Tue Jan 10, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5138

Re: Daring to figure it out for myself: Dare I retire this year?

I say go for it. If that's really what you want. I retired early at 53. Never looked back. Do what ever you want to do with your life. You are getting your life back, and that should be a positive for anyone who ever enjoyed having a life of their own.

:moneybag
by rustymutt
Tue Jan 10, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Kiplinger Vanguard article
Replies: 4
Views: 670

Re: Kiplinger Vanguard article

It's just another of someones picks. I happen to hold a few of his suggestions, as they are indexes with very low fees.
His might do well over time, or it might not. It all depends on changing factors. I do agree with the Kipper, buy and hold works best. :sharebeer
by rustymutt
Tue Jan 10, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Fidelity cuts index fund fees (but returns are lower).
Replies: 47
Views: 5083

Re: Fidelity cuts index fund fees (but returns are lower).

This is inline with what I found when I retired, Fidelity held my 401k, and based on the same finding then, I switched to Vanguard, and havent' ever regretted it. And Vanguard had better choices for funds, and ETFs at that time anyway. :sharebeer
by rustymutt
Mon Jan 09, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 3958

Re: Over what time period should stocks NOT lose money

Hello, While there are no certainties, bogleheads clearly believe that over time, staying invested is a prudent investment. Time is your friend. If forced to answer "over what time period will stocks NOT lose money....in real terms, what would you say?". If forced to give an answer on thi...
by rustymutt
Mon Jan 09, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to the Dallas, TX Area
Replies: 30
Views: 2413

Re: Relocation to the Dallas, TX Area

ny_rn wrote:Look at Little Elm, TX. It's approximately 15-min. away from Plano, TX with excellent homes.



But that puts near Lewisville lake, and he might not enjoy bass fishing, and skiing. I agree it's a great area to bed down in. Close to the airport also.
by rustymutt
Mon Jan 09, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 3958

Re: Over what time period should stocks NOT lose money

You should be ready to loose money anytime you're in the markets. There is a right and wrong way to invest. Slow DCA into a plan or investment, or lump sum in, you've got to be in the market, to get market returns, and yet there is academic proof that based on when you get into a plan, or timing tha...
by rustymutt
Sat Jan 07, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: 8.5% for 2016. Can I do better????
Replies: 27
Views: 4579

Re: 8.5% for 2016. Can I do better????

The enemy of a good plan is the thought of a better plan. Your asset allocation looks good, your asset class percentages look good, you hold low cost index funds. The purpose of bonds is to temper portfolio volatility and ensure return of capital, the fund you hold is doing it's job. IMO, you can n...
by rustymutt
Sat Jan 07, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 4877

Re: Best printers for home use

Brother WIFI printers. I think mine was about $50 or so; does scanning of multiple pages as well, which is a must. I buy generic carts for probably $1-2. Works great, and is compatibly with everything. I buy the super cap toners, and they'll handle up to 8000 copies, before needing replaced/refilled.
by rustymutt
Sat Jan 07, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 4877

Re: Best printers for home use

I've a Brother b/w laser printer, and love it. Can be setup wireless if need be. Been using this print now for 4 years without any issues ever.
by rustymutt
Sat Jan 07, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Treasury returns historically almost match corporate bonds?
Replies: 9
Views: 843

Re: Treasury returns historically almost match corporate bonds?

You should check out the book Unconventional Success by David Swensen (who runs the endowment fund for Yale University). He gives some reasons why Treasury bonds should be considered a 'core' asset class, while corporate bonds are 'non-core'. This has been my take on bonds since becoming a buy and ...
by rustymutt
Sat Jan 07, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Treasury returns historically almost match corporate bonds?
Replies: 9
Views: 843

Re: Treasury returns historically almost match corporate bonds?

And I'll just add my message. T bills did it with much less risk, for those with balanced portfolios.
by rustymutt
Fri Jan 06, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 79
Views: 3742

Re: Getting rid of mice

I keep a few boxes of Decon setting around in places mice might enjoy. Keep food and seeds picked up and sealed inside cans. Leave snakes alone, as they alone eat there of mice each season.
by rustymutt
Fri Jan 06, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2428

Re: Tell me all about snowblowers

24" Troy Bilt two-stages from Lowes is on its 10th year. Makes a trip to the small engine repair shop once in a while but works great. I like the electric start too. Do you get dirty carbs? The use of Ethanol greatly increases the need for service on these new units. My understanding is water ...
by rustymutt
Fri Jan 06, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2428

Re: Tell me all about snowblowers

I have only owned one snowblower, an unremarkable two-stage 24" Toro. I paid about $500 for it. Like you, I have a small driveway. It's fine. My next one will either be battery powered or will have heated grips. I recommend avoiding the single stage ones. If those are fine where you live, so i...
by rustymutt
Tue Jan 03, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 2637

Re: Large purchase anxiety!

Hi Stevie. Have any of the anxieties become reality? Looking back can you remember that some of those intense "yet quite real" anxieties came to conclusion? We all have worries, and anxieties, but just learn to deal with it. Even if some do end in reality, you can't stop living. I wouldn't...
by rustymutt
Mon Jan 02, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Yellowstone Tours Vs. Self-Guided
Replies: 28
Views: 2195

Re: Yellowstone Tours Vs. Self-Guided

We know for certain that Old Faithful isn't as faithful as it once was, and you may have to wait 2 hours or more to see it go off. I've been there twice, and did my own thing both times.
by rustymutt
Mon Jan 02, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 11642

Re: Bogle worried Vanguard is getting too big

Vanguard wait times are horrendous when calling - even with over $1mm invested. I have waited over 20 minutes several times this past year to speak to someone. Seems excessive and my impression is that they're trying to run their organization on a too thin budget. I've experienced that same delays....
by rustymutt
Sun Jan 01, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1757

Re: Resources for a child gifted in math

https://www.khanacademy.org/ That's Khan academy, which I myself have self taught math functions, and algebra lessons. I think the internet has many special sites for gifted children. You should check around with your local school administrators, and teachers. Some internet sites are only free to te...
by rustymutt
Sat Dec 31, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3427

Re: Audiophiles help me with setup

I have unlimited data plan on my smart phone and stream both Amazon.com prime music, and Pandora through it. I believe the sound quality to be excellent with both streams.
by rustymutt
Sat Dec 31, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Why did dividend yeilds rise so much the 4th quarter?
Replies: 13
Views: 1906

Re: Why did dividend yeilds rise so much the 4th quarter?

AlohaJoe wrote:Every fund pays more in the fourth quarter every year. Just check historical dividends.



Good point made Joe. Props up the marketing of that fund for the next sales season. (next year)
by rustymutt
Sat Dec 31, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Why did dividend yeilds rise so much the 4th quarter?
Replies: 13
Views: 1906

Re: Why did dividend yeilds rise so much the 4th quarter?

I think were really ready for some inflation, and increasing bond yields. Yield can only go so low, then people won't want to hold those stocks/funds anymore. Reversion to the mean Mr Bogle calls it. It's inevitable, that this happens. But it could be delayed for months, even years. That part of the...
by rustymutt
Sat Dec 31, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5714

Re: Delayed Gratification In Life & its fallacies

Delayed gratification can certainly be taken too far and become harmful, as can unbridled gratification. Moderation, and self control and well worth the time and effort when young and eager. It's a choice we all want to have when we start out in life. Those with self control tend to do better at bu...
by rustymutt
Tue Dec 27, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8116

Re: Remember what it was like before the recession?

At age 60, I got to ask which recession? In jest, but we have had many recessions in my lifetime, and they didn't stop me from getting in on the action, so to speak.

:sharebeer
by rustymutt
Mon Dec 26, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: 1 to 2 year periods of value or growth dominance
Replies: 26
Views: 1662

Re: 1 to 2 year periods of value or growth dominance

I've always bought into the ideal of value stocks. Yes my portfolio has done well this year, because of that tilt. But now isn't the time to rush out and buy into value. I had it when it wasn't cool. I'll have it in 10 years also. Merry Christmas to all, and to all a good day. So if you were planni...
by rustymutt
Sun Dec 25, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2211

Re: "The belief that bear markets favor active management is a myth"

This new Forbes article says that index fund investors should switch over to active funds for the moment, due to a possible bear market coming. And how active funds have outperformed index funds during bear markets. What's your take on this? Any point in switching from index to active? And would it...
by rustymutt
Sun Dec 25, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 69
Views: 7580

Re: Gift To Self

Just did receive my gift on Thursday. A German designed floor stand fan that swings the fan 180 degrees. And has a remote control. Very quiet and comfortable. Merry Christmas to all.
by rustymutt
Sun Dec 25, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: 1 to 2 year periods of value or growth dominance
Replies: 26
Views: 1662

Re: 1 to 2 year periods of value or growth dominance

I've always bought into the ideal of value stocks. Yes my portfolio has done well this year, because of that tilt. But now isn't the time to rush out and buy into value. I had it when it wasn't cool. I'll have it in 10 years also. Merry Christmas to all, and to all a good day.
by rustymutt
Sun Dec 25, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2211

Re: Active Funds better than Index Funds for coming Bear Market?

I didn't click through to the article. Did Forbes publish their track record over the last 50-60 years where they successfully predicted imminent bear markets? No, and they won't because they own a horrid track record, just like all of Wall Street. They want churn, and transactions. That's were the...
by rustymutt
Sat Dec 24, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2270
Views: 562126

Re: What Movie Have You Recently Watched?

Just watched, "Mr Church" last night. Very good family movie. Top notch flick. I'd recommend it.
by rustymutt
Sat Dec 24, 2016 11:25 am
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 8989

Re: Financial Independence is not the Holy Grail

Financial independence is what makes the holy grail obtainable. I use the New American Standard myself.
by rustymutt
Thu Dec 22, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 6180

Re: How do you track your finances?

FiveK wrote:Quicken, for >20 years.

It has its problems, but works well enough for us.


Same here. It does have some issues. Mint scares me also.
by rustymutt
Thu Dec 22, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 175
Views: 12885

Re: The True Cost of Owning a Dog

Not a dog owner anymore, as the ex got the dog. But I sure love everybody else's dog at the local city owned dog park. You meet the nicest people there, but all the dogs are the main grab. Fuel cost to getting there, and back home. Based on current fuel, that's about $200 a year cost. "mans bes...
by rustymutt
Fri Dec 16, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4493

Re: If and how to bring up inappropriate conduct of former boss?

Most major companies won't stand for management who don't have honesty. I have seen them fired for misconduct many times, but only if someone has the grace to stand up to them, and point out hypocritical behavior. We don't want our customers seeing this behavior, or anyone for that matter. I call ou...
by rustymutt
Fri Dec 16, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4493

Re: If and how to bring up inappropriate conduct of former boss?

OP, Why are you so busybody? This is none of your business. If his current boss has no problem with him, why there is a problem for you? If his boss has a problem with him, his boss will deal with him. This is not your job. Do not be a busybody. If after 17 years, the megacorp still chose to keep h...
by rustymutt
Thu Dec 15, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 8728

Re: Well, just got first pair of golden handcuffs

indexfundfan wrote:Once you start selling vested RSUs, you will realize a small increase in complication at tax time. RSUs are shown with a cost basis of 0 on the 1099. It is up to you to properly adjust them.



Very good advise here. Pay attention to tax details now, and then also.
by rustymutt
Thu Dec 15, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2617

Re: Fridge Water Filter Cartridges...A Scam?

A local store sells these for pre-filters for my LG, from Sears, and I've not had an issue in two years. They keep solids from plugging up the ice makers. I opted out of a water dispenser. My ice taste good in my good tap water. A 3 pack is about $24 dollars. https://www.amazon.com/AICRO-Water-Filte...
by rustymutt
Sat Dec 10, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: That second bank
Replies: 14
Views: 1779

Re: That second bank

If you do everything online through your CU, as I do, you really can get by. Making sure that local ATM's will provide cash, when it's needed. But a local bank is almost critical to me. I like to know an officer well, and them me also. When travelling it's wonderful to have that name and number hand...
by rustymutt
Sat Dec 10, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6218

Re: Physician went out of network. Now I have a bill to pay. What to do

Carson wrote:Chalk it up to lesson learned.



Yeah, that's what I did when it happened to me. Now I pay more attention to details at the doctors office.
They won't remind you til you get the bill for service, and then it's to late. :annoyed
by rustymutt
Sat Dec 10, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: ADT raising rates - should I cancel?
Replies: 19
Views: 1853

Re: ADT raising rates - should I cancel?

I did, and never looked back. This move helped me save more when I was younger. The last time I signed a contract for home security, it included fire, smoke, flood, and invasion. The company service was fine. I never had a false alarm. Less than half the monthly rate. Free equipment also, with wirel...
by rustymutt
Mon Dec 05, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Buy versus rent
Replies: 7
Views: 749

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: 7409

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: 4896

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?

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