Search found 3670 matches

by rustymutt
Fri May 18, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4048

Re: Bed Bugs

Could they have produced those bed bugs to gain your wealth? Sounds to me like fear marketing driving their business model. So many crooked service businesses. Check them out with the BBB, and other agencies locally. To me it's like the Lifelock marketing strategies, which use fear to gain customers...
by rustymutt
Thu May 10, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5284

Re: What's the view on dogs running free?

Farm country, yeah, release the hounds. Location, location, location.
Regardless of whether or not your dog runs free, you are responsible for your animals, animal. Many cities have ordinances against dogs running free. For good reason, as dogs are pack animals by nature.
by rustymutt
Sat May 05, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: For all ETF users "must read" [Morningstar: 5 Tips for Trading ETFs]
Replies: 4
Views: 781

For all ETF users "must read" [Morningstar: 5 Tips for Trading ETFs]

This MourningStar article was very informative, and I'd like to share it with others. I'm a premium member, and not sure how that works. Here is a link to it.

http://www.morningstar.com/articles/863 ... -etfs.html
by rustymutt
Tue May 01, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1352

Re: Flood Insurance

Contact your local county extension office, or city, and ask them about the flood maps for your area. 1000 year flood field would shed light on your needs for this insurance. This is how developers go about starting a development. This way you learn more information about your neighborhood, and weat...
by rustymutt
Tue May 01, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: How to get a better school district 457 plan?
Replies: 15
Views: 948

Re: How to get better plans?

I'm actually with a school district. Are there costs to the district for offering a different savings vehicle if they're not doing any types of matching? In my mind, they're essentially saying to a provider, "Here, you take my employee's money". I'd assume there'd be some fee passed on to me, the e...
by rustymutt
Fri Apr 27, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: How to get a better school district 457 plan?
Replies: 15
Views: 948

Re: How to get better plans?

So I've been contributing to a 457b for a few years when I realized how bad the fees actually were. Went to my employer and asked how to get a better plan for our employees but either they blew me off or truly had no idea what to do. They did tell me they were open to other options and I could call...
by rustymutt
Fri Apr 27, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10756

Re: Amazon to raise Prime membership in US to $119 from $99

So it’s $10/month, up from $8.33. Psychologically $119 seems like quite a bit more than $99 though. I get quite a bit of value out of Amazon Prime Video and Amazon is very convenient for shopping. But I am being more careful now to check prices. That’s the biggest dealbreaker for me, if they start ...
by rustymutt
Tue Apr 17, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5814

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I'm a pilot, and wouldn't board any MD plane in service, and certainly not Allegiant. That manufacture isn't around anymore to take care of the planes. Rode on MD to St Louis a decade or longer ago, and the noise, metal pops, and gear noise was the loudest I've ever heard. Decided then that I wouldn...
by rustymutt
Sat Apr 14, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 7321

Re: Why traditional IRA better than Roth IRA

Misinformation is all about. IRAs are taxed as ordinary income. Make no major financial decisions without first getting professional advice. This is true especially if you're just starting out. Be eager to learn about your own financial situation.
by rustymutt
Tue Apr 03, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9287

Re: Not going to be buying chicken for a while...

Could be over cooking chicken which does dry out and tuffin up the meat. I use a temp gauge to 165 center of breast. Perfectly moist and tender every time. Also I marinade the breast in oil, liquid smoke, herbs, and garlic for at least an hour in fridge. With brown rice, sweet potato, and green bea...
by rustymutt
Tue Apr 03, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4360

Re: Microsoft tech support scam - how to recover?

I've become cautious about anything I don't start in communications of any sort nowadays. Voice is still the best and most primary of all form of communications. Video is nice if all parties have it in use. Way to many ladys wouldn't want a call first thing in the morning in the form of video, nor m...
by rustymutt
Wed Mar 28, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9287

Re: Not going to be buying chicken for a while...

Could be over cooking chicken which does dry out and tuffin up the meat. I use a temp gauge to 165 center of breast. Perfectly moist and tender every time. Also I marinade the breast in oil, liquid smoke, herbs, and garlic for at least an hour in fridge. With brown rice, sweet potato, and green beans.
by rustymutt
Sun Mar 18, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Count Out Commodities
Replies: 51
Views: 6240

Re: Larry Swedroe: Don’t Count Out Commodities

I'd be concerned that I'd end up with a yard full of corn that I couldn't move. I have to side with Rick on this discussion. Commodities don't belong in my portfolio. Now if I was as rich as Warren Buffet, or Bill Gates, then maybe some of my wealth could be in some commodities. Better yet, I could ...
by rustymutt
Wed Mar 07, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Stock/Bond fund ratio?
Replies: 11
Views: 1073

Re: Stock/Bond fund ratio?

So you're wanting the asset allocation of your investments. Equities, and bonds. The ratio of stocks to bonds.
by rustymutt
Fri Mar 02, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: New construction woes
Replies: 30
Views: 3004

Re: New construction woes

I don't see why you would hire an inspector when you already know whats wrong. Like others have said, write up a punch list and the conversation with the builder should be about what they are going to do to get these items resolved and when. Get timelines in writing and if they don't follow through...
by rustymutt
Fri Mar 02, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Re: Big umbrella increase: anyone else's risen dramatically?

randomizer wrote:
Thu Mar 01, 2018 7:36 pm
Insurance. You will never find a more wretched hive of scum and villainy.
As an Insurance agent year ago in Kansas, I have to agree. They are without morals, when it comes to their profits.

If my policy goes up that much, it's like they want us to drop them. So be it.
by rustymutt
Thu Mar 01, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: New construction woes
Replies: 30
Views: 3004

Re: New construction woes

Never build a home without hiring an Architect. They can make sure it's built to a higher standard. :moneybag
by rustymutt
Sat Feb 24, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 22
Views: 2537

Re: Emerging Markets or Total International Market?

Why not split it between the two. Have some of both?
by rustymutt
Sat Feb 24, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8350

Re: Two- Factor Authentication at Vanguard

You can choose 2FA every time you log in or only when you log in from a new device. I chose the “new device” only. It must leave a tracking cookie or something. First time I logged in from my home desktop (Win10) it sent a code to my phone. Then when I first logged in from my tablet (iPad). After t...
by rustymutt
Sat Feb 24, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 40
Views: 1770

Re: manual typewriters?

The nicest "feel" on a manual typewriter, and the pleasantest (and least likely to hurt your fingers if you are really typing for a long time), are the full-sized 30? pound desk machines, but they may be unreasonably heavy and bulky. The ones I grew up with and typed on for decades looked like this...
by rustymutt
Sat Feb 24, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8350

Re: Two- Factor Authentication at Vanguard

Hey, just do it. You know you'll sleep better at nights. :sharebeer
by rustymutt
Sat Feb 24, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 31
Views: 4609

Re: Evidence that retirement account ID theft is increasing

bikechuck wrote:
Thu Feb 22, 2018 11:42 am
This scares the BEJESUS out of me.

THEN YOU NEED THE ADDED SECURITY OF LIFEHACKED.

lol :moneybag
by rustymutt
Thu Feb 22, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 9969

Re: <gulp> Expensive mistake

One of the hardest parts of investing for me has been the phyc part of it. We all make mistakes. Smart people learn from them and don't make them twice. Like buying loaded funds. Most of us did that at some point in the past, before learning the truth about investing. In hindsight, we all see huge m...
by rustymutt
Mon Feb 19, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10062

Re: Do you wear a wedding band? [at a job interview]

No, I wasn't married as of yet. But I sure as heck would have. Not ashamed of what a ring is suppose to mean between two lovers. For the record, I'm divorced.
by rustymutt
Mon Feb 19, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8990

Re: How many of you use the "4% rule" during retirement?

Yes to your question of do I use this rule. But, and let you explain my position. I was taught to be flexible with what I do remove. I good years 4% applies, but in bad years I'm setup to not withdraw even 2%. It works. Thanks to Paul Merrimen for this advice on drawdown studies. He got his message ...
by rustymutt
Tue Feb 13, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Attention Sqawk Box viewers
Replies: 16
Views: 1664

Re: Attention Sqawk Box viewers

As their name implies, they make lots of noise, or squawk to much for me. Gives me a headache watching it. Makes no sense to me as to my investments. Definitely a wall street type production to cause churn, or market manipulation.
This is my opinion, and the reasons I don't tune in.
by rustymutt
Tue Feb 13, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1166

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Toons wrote:
Tue Feb 13, 2018 8:12 am
Washing machine have only so many parts,
Fairly straightfoward.
I would seek out a "generic" individual.
https://www.youtube.com/watch?v=j8rnvvdJaDU

Yes, I fixed a water dispenser on my Kitchenaid fridge with the help of this site. I like it myself.









:sharebeer
by rustymutt
Sat Feb 03, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24930

Re: Vanguard opens special offices for $1 million clients

I hate to post this, but their service was superiorior before I hit the big mark in financial life. To whom much is given, much shouldn't be expected. I don't know. I'm still with them. I think I expect way to good service from those waiting on me. I must be out of line again.
by rustymutt
Sat Feb 03, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 18033

Re: For BHs who actually like cars - what is your daily driver?

I love my new GMC Sierra SLT 4x4 with 6 foot bed. Get better gas mileage than did my 15 4Runner. And at 6'4", I appreciate the room in the large 4 door cab.
by rustymutt
Sat Feb 03, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16413

Re: Blood in the water- buying?

If I were a market timer, and I'm not, so this is mere speculation. I bury my head in the sand and blow bubbles in frustration over yet another year were index holders did better than most timers. :moneybag
by rustymutt
Fri Feb 02, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Newbie
Replies: 17
Views: 1801

Re: Turbo Tax Newbie

I use it each year, and love it. I do multi Federal returns for family and friends. I love the downloadable Tax forms from Vanguard feature. Makes my life simple, and that's worth it to me for the 21.95 dollars I paid for my TT deluxe, online downloaded to my PC. I do less than the 5 free federal re...
by rustymutt
Fri Feb 02, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Are dividends really the same as capital gains?
Replies: 18
Views: 2643

Re: Are dividends really the same as capital gains?

Kinda, sorta. It's a corporate balancing act in my humble, and oft times wrong opinion. Growth, vs payout.
by rustymutt
Fri Feb 02, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 8273

Re: I have an overwhelming gift I'm in need of help of please.

Stop. Breathe. Breathe again. Deeply. You are writing as if you need to take action immediately. Why not transfer the money to a brokerage, and let it sit in cash for a bit (I believe Vanguard and Schwab have relatively decent cash options). That gives you time to make a good plan. Take your time t...
by rustymutt
Fri Feb 02, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Are we in an index fund bubble? Bill Ackman thinks we are.
Replies: 45
Views: 4338

Re: Are we in an index fund bubble? Bill Ackman thinks we are.

So one could loosen the amount of S&P 500 index fund they own, and do what with it? I don't know, you tell me?
Am setting it out to the bitter end with my written investment plan. I do own foreign indexes also. :moneybag
by rustymutt
Fri Feb 02, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9990

Re: How risky is Med school student loan debt?

It all depends on which field of study you choose, and who/when you go to work for. It's also important that you be a top notch doctor, in whatever study field. You've got to do some forecasting of finance, and you can do it with help from professionals. :moneybag
by rustymutt
Fri Feb 02, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Zander Auto insurance
Replies: 10
Views: 1445

Re: Zander Auto insurance

Honestly, his show reminds me of the Amway fascination we once saw in our nation. With a religious twist. It amazes me that people can't understand debt, without someone like Ramsey hammering at them on the radio. Best wishes to everyone! :moneybag
by rustymutt
Fri Feb 02, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Need some investment suggestion: will market crash big?
Replies: 21
Views: 2470

Re: Need some investment suggestion: will market crash big?

Will some of the best (most honest for sure) advisors I read, will say: When risk is highest, reward also follows a higher path. Over the long haul, and this is important, the markets go up. Now can it go the other way for long periods of time, yes, and we've been in one of those during the first po...
by rustymutt
Sat Jan 20, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3203

Re: Telemarketing calls from my own prefix

My job as a technician (before retiring) involved the installation, training, maintenance of call center systems and interfaces. The PRI, or ISDN technology, has made it very easy for trained customers to change their phone numbers on "telecom caller ID systems. This technology is being used my hack...
by rustymutt
Sat Jan 20, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: How do Bogleheads reconcile efficient markets theory with Bitcoin?
Replies: 45
Views: 2508

Re: How do Bogleheads reconcile efficient markets theory with Bitcoin?

I just avoid fads like Bitcoin. I'd rather go to the casino for my thrills. And I don't even do that anymore. Why I even stopped betting the greyhounds at the dog track. If you like losing your lunch, then go for it. That's my take on Bitcoin.

:sharebeer
by rustymutt
Sat Jan 20, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 55
Views: 6278

Re: International Small-cap Value Funds ??

golfCaddy wrote:
Wed Jan 17, 2018 9:54 pm
In terms of value, Russia is by far the cheapest country by p/e ratio, so you could look for a Russia specific ETF.
If you enjoy risk, then push on Comrade.
by rustymutt
Thu Jan 18, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 26
Views: 2466

Re: Are ETFs Really That Safe?

If you buy and hold, what difference does it possibly mean? Oh, that you could sell in a midday crisis crash if desired to. That's way better than mutual funds my friend. If you're a consistent, steadfast, buy and holders, and only for retirement purposes w/d anything, they have way more benefits, t...
by rustymutt
Mon Jan 15, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 55
Views: 6278

Re: International Small-cap Value Funds ??

I like Merriman's Ultimate-buy-and-hold approach. However, Vanguard does not seem to have any funds for the "International small cap value" asset class. Are there any alternatives that work, other than going to DFA? At one time Paul himself suggested DLS, but rather he still does or not I don't kno...
by rustymutt
Sun Jan 14, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 55
Views: 6278

Re: International Small-cap Value Funds ??

I like Merriman's Ultimate-buy-and-hold approach. However, Vanguard does not seem to have any funds for the "International small cap value" asset class. Are there any alternatives that work, other than going to DFA? At one time Paul himself suggested DLS, but rather he still does or not I don't kno...
by rustymutt
Wed Jan 03, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Short Term Cash
Replies: 15
Views: 1210

Re: Short Term Cash

One thing that I've learned good with my life experience is that the extra 1 to 2 percent extra over time makes a huge difference. Keep all your money invested one way or the other. Even CDs. Having 3000K in your pocket just doesn't work for me, and never will.
by rustymutt
Wed Jan 03, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 10419

Re: Effects of extreme cold weather

CaliJim wrote:
Tue Jan 02, 2018 11:59 pm
(meh...CA’s too crowded, so nobody goes there anymore. stay where you are. :twisted: )
Most of us can't afford that state. So we vacation out there, then come home.
by rustymutt
Sat Dec 30, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3782

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

This is why I hate to use a service for this. They most often overlook very important details of home ownership. AC, and heating system is one major item, and I wouldn't mind paying a private company to inspect and do a report for me on properties I'm interested in. Doesn't hurt to have friends in t...
by rustymutt
Fri Dec 29, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is Roth IRA conversion easy with Vanguard?
Replies: 26
Views: 2491

Re: Is Roth IRA conversion easy with Vanguard?

It must be easy, as I've done it twice, without incident. Just ask your rep for confirmation that you understand how it all goes down. That's what I did, and went smoothly.
by rustymutt
Wed Dec 27, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 5045

Re: The car dealership model needs to die

I've known this my whole life, and it's a burden to know the truth about a broken system of marketing, that pits well informed managers against totally blind customers. Simply look at the prices they demand for any new vehicle. Supply and demand. They even to helped rid the used vehicles from the ma...
by rustymutt
Sat Dec 23, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 7340

Re: Early retirement pros and cons:

I retired at 53 in 09, to take better care of my health and wellness. Since that time my weight has decreased by 70 pounds. Getting things under control is wonderful gift of retirement for me. My golf game has never been better. I'm thankful this Christmas for those benefits.