Search found 3520 matches

by rustymutt
Mon Jul 17, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 2914

Re: Cramer makes the bull case for including bonds in your portfolio

And what Cramer says is reason to buy the ideal? lol he is so funny at his role as stock sensationalist. Gives me a headache to watch. No, just interesting to note that for someone who tries so hard to promote trading stocks that he would actually promote increasing bonds in your portfolio as you a...
by rustymutt
Sun Jul 16, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 2914

Re: Cramer makes the bull case for including bonds in your portfolio

And what Cramer says is reason to buy the ideal? lol he is so funny at his role as stock sensationalist. Gives me a headache to watch.
by rustymutt
Sun Jul 16, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3405

Re: what's your secret to cleaning inside car windows?

Alcohol will remove the film (oils) that most glass cleaners merely dilute. Anyway, I've had good results getting everything off with it. Plus you can drink it while you're cleaning the windows. Have fun.
by rustymutt
Mon May 29, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5569

Re: Credit unions are non-profit, how come they do not dominate over banks???

Credit Unions, also like Vanguard, are owned by the people they serve, you, and I. By law they must put the profits back into the business minus expenses of operation. So if well managed, they can provide excellent service for the lowest of price. Or if ran sloppy, they can produce a boatload of mis...
by rustymutt
Fri May 19, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3287

Re: What are the powers of HR in a company?

The last thing I remember the HR lady telling me after she'd hire me. "If you're half the worker your father was, then we've made a great investment". Thus I became a commodity for the company, or a company man. Just like my dear late father did. But he worked 17 years longer than I had t...
by rustymutt
Fri May 19, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2152

Re: Edward Jones vs Vanguard self managed

You could hire some of the best of professional money managing companies in the world for under 1%. They are robbers of your wealth. You're more than welcome to stay with them, as they love your money. Do It yourself man. It's easy once setup. My expenses yearly, under .19% 10 year return of 7.7%. W...
by rustymutt
Fri May 19, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3287

Re: What are the powers of HR in a company?

The last thing I remember the HR lady telling me after she'd hire me. "If you're half the worker your father was, then we've made a great investment". Thus I became a commodity for the company, or a company man. Just like my dear late father did. But he worked 17 years longer than I had to...
by rustymutt
Fri May 19, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3260

Re: REITs: Count as Stocks or Bonds?

Vanguard's REIT ETF (VNQ) was worth $63.09 on September 19, 2008. On March 6, 2009, it was worth $21.15. That's a decrease of 66.48%. The only similarity to bonds is that they generate income. They are a completely different product and they are not a safe investment like bonds. They move in two di...
by rustymutt
Fri May 19, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3260

Re: REITs: Count as Stocks or Bonds?

Vanguard's REIT ETF (VNQ) was worth $63.09 on September 19, 2008. On March 6, 2009, it was worth $21.15. That's a decrease of 66.48%. The only similarity to bonds is that they generate income. They are a completely different product and they are not a safe investment like bonds. They move in two di...
by rustymutt
Fri May 19, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3260

Re: REITs: Count as Stocks or Bonds?

They are stocks, equities. Calling a Reit a bond would be like calling a CD a stock.
by rustymutt
Thu May 18, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 67
Views: 3397

Re: Justification for holding Emerging Markets?

I don't have a large amount of emerging markets in my portfolio and I am beginning to question why I have any, especially since I have no real conviction about it and for the most part appreciate portfolio simplicity. What is the justification for having emerging markets? In reality I am not big on...
by rustymutt
Thu May 18, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 67
Views: 3397

Re: Justification for holding Emerging Markets?

Because my written investment plan calls for it. The current year return for that asset class for me is over 16%, which makes my portfolio year to date value way better. I'm invested in small value in this market. EWX for the record. :moneybag
by rustymutt
Sat May 13, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 27107

Re: When 60/40 just isn't appropriate

As the holder of a 60/40 allocation of equities/bonds, I did this way for the amount of risk I was willing, and able to accept. I'm a long term buy and holder of funds/etfs. My 10 year return is just under 7.7%. Is it working for me? Yes. Will it work right in the future? Who knows? I don't, and you...
by rustymutt
Fri May 05, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Incentivising Kids
Replies: 22
Views: 1558

Re: Incentivising Kids

Life is about more than money. Particularly at 2 & 5. Let them be kids. There will be plenty of time, chances, and routes for financial education later. I don't believe instilling values in young children minds constitutes any major problems, but not teaching your kids about money means you don...
by rustymutt
Fri May 05, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 7626

Re: Morgan Stanley drops Vanguard funds

Glad not to be part of Morgan Stanley's investment porn. Makes me feel sorry for those clients with them. It's proof that fiduciary standards aren't welcome, when it comes to profit for brokerage houses. Shame them.
by rustymutt
Fri May 05, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Leave after-tax money in retirement account or xfer to Vanguard?
Replies: 3
Views: 274

Re: Leave after-tax money in retirement account or xfer to Vanguard?

Simply roll over the taxed retirement savings to a Vanguard Roth IRA. Call Vanguard rep for details on how to get that started. It's then a low cost investment, that grows tax free.
by rustymutt
Fri May 05, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Scholarshare California 529 plan not paying dividends
Replies: 6
Views: 515

Re: Scholarshare California 529 plan not paying dividends

They model their portfolio after growth funds, rather than dividend paying funds. That's my first thought. I didn't like the 529 choices in my state, and opted not to go that route.
by rustymutt
Thu May 04, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4623

Re: Increasing correlation between US and international equities

No, it doesn't change anything. Yes, diversification is still a thing. “Rising correlations & international investing” https://medium.com/@justusjp/rising-correlations-international-investing-784aba5ef4a8 Joe's got it right with the diversification role in are portfolio. That's the main reason ...
by rustymutt
Thu May 04, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article--Service Complaints Aside, Investors See Value at Vanguard
Replies: 10
Views: 896

Re: Vanguard Servicing

As I've stated in other post here, Vanguard's growth surprised some managers who didn't get their customer service numbers right. Playing catch up with training of new quality reps. Over working all reps I'm sure. This is a small price to pay for the growth that Vanguard funds, ETFs receive. Growth ...
by rustymutt
Thu May 04, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3186

Re: Consumer Reports

lthenderson wrote:I used to get Consumer Reports back in the day but don't anymore. I think it is largely irrelevant as all the information can be found online for free these days.


Me thinks he's right.
by rustymutt
Wed May 03, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27221

Re: Where to Live on $60K or Less a Year?

Love this thread. I find myself asking many of the same questions. I concur with many others on here that spending time in a few of these places would probably be best. I currently live in Scottsdale and there have been numerous mentions, so I'll give my $.02 as a Midwesterner who came out this way...
by rustymutt
Wed May 03, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27221

Re: Where to Live on $60K or Less a Year?

What about a more affordable suburb of some of those places on your list? Take Longmont, CO, for example (which I only know of thanks to Mr. Money Mustache... who claims to live off a lot less than $60K, incidentally). You get the same weather and nearby mountains as Boulder or Denver, plus a simil...
by rustymutt
Sat Apr 29, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12786

Re: Microsoft, I want my computer back!

I wouldn't be to quick about blaming MS. Many apps on today's computers can and do grab the PC and off they go. First of all check your back up schedule and make sure it's not during your peak time of usage. Check that you anti virus isn't in the middle of an intense scan. And do administrative tool...
by rustymutt
Sat Apr 29, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 43
Views: 4591

Re: Does Portfolio Size Influence Stock/Bond Allocation?

It's the balance between ability to take risk and need to take risk - you may have more ability but you have less need. The real answer is at a certain point it doesn't really matter - you will be fine either way. This is the perfect answer. If you're getting it right, it doesn't matter. Work, save...
by rustymutt
Fri Apr 21, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 18
Views: 3677

Re: Strange cable wall jack in home. What is it? (pics included)

It appears to be some sort of antenna. Perhaps a short wave radio system in place at one time. So they could listen into hockey games back home in the USSR. lol Looks like surge protection, without a ground run to it. Or maybe a whole house paging system. A impedance device.
by rustymutt
Thu Apr 20, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39335

Re: Larry Swedroe says "Goodby."

Larry is one of the good guys. Goodby Larry, and good luck with your family duties. Thank you Larry for all your free wonderful wisdom and insight for those of us otherwise blind to numbers. Best wishes! :sharebeer
by rustymutt
Mon Apr 17, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 6746

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Ignore all the investment porn slashing around out here. LOL Learn for yourself, and you'll understand how investing works. A low cost fund that is balanced with bonds, and equities.
by rustymutt
Mon Apr 17, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 6746

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Find a balanced fund at Vanguard, or Fidelity that in that 75/25 range and place inside that fund, or ETF. I use VBIAX which is 60/40. Keeps your cost low and that does it. Cost is ER without any front end loads.
by rustymutt
Mon Apr 17, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 3828

Re: New HVAC - Assessing Quotes?

Kind of surprising to me that 80% efficiency furnaces would be allowed in an "environmentally friendly" area. My most recent furnace replacement was a 3.5T single stage 95% Trane unit for something like $3500 about 6 years ago. I was think the same thing. 80% technology is old stuff. Not ...
by rustymutt
Tue Apr 04, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4505

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

It would be fascinating to understand what is at the root of this stumble in customer service. Was it caused when they began "upgrading" accounts to brokerage accounts? Is the trading volume for ETFs and the attendant questions/phone calls too much to handle? Are the full-service brokerag...
by rustymutt
Sun Apr 02, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?
Replies: 24
Views: 1416

Re: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?

7% holding with long bonds is to much risk for me. Interest rates, like inflation is going up. I don't time markets, but if I did, my guess would be higher interest rates driving down bonds with longer durations, while paying out higher returns. So when that happens, long money, drops in par value. ...
by rustymutt
Sun Apr 02, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4505

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

Yes, I've experienced the delays, and waiting with automated attendants. But they are very well behaved auto attendants. In time they'll catch up to demand they've created, but weren't ready for I spose. And when I'm patient, they have come through.

:sharebeer
by rustymutt
Tue Mar 14, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2860

Re: Finding The "Sweet Spot" on a Roth Conversion

This doesn't have to be a trial and error exercise. Load up a spreadsheet with all your income and exemptions/deductions. That'll show you your taxable income. Then, subtract your taxable income from the top of the 15% bracket to determine how much you can convert. Or, how much you need to re-chara...
by rustymutt
Sat Mar 11, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 7305

Re: 28yo, New Millionaire, Advice on Wealth Management

Seaside, I decided to manage my own wealth, and it's not at all hard once you find out the truth about investing, and learn to ignore the noise that's everywhere. It's actually very boring, but also extremely essential for my peace of mind. I slice and dice different pieces of funds, and ETFs. With ...
by rustymutt
Sat Mar 04, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4271

Re: Giving my lawn the TLC it needs

Not sure what kind of grass you have, but I'm guessing fescue grass. I don't like the commercial guys mowing my bermudagrass, because they bring into my yard weed seeds from the other yards they mow. They won't clean off mowers between that great yard, and bad ones. I also don't use the high nitroge...
by rustymutt
Tue Feb 14, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 5352

Re: Insane Bloodwork Cost (Quest Diagnostic)

The cost is not surprising, especially if she ran initial and not just maintenance tests, but you should be able to negotiate it down, that's what the insurance companies do. It's a racket. My recent thyroid (maintenance) tests: TSH $146 Insurance allowed and covered $48.05 T4 $146 Insurance allowe...
by rustymutt
Tue Feb 14, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 5352

Re: Insane Bloodwork Cost (Quest Diagnostic)

Many times in the past the doctor I was using was network, but the lab they sent the blood samples to wasn't. I decided that must be left up to me to call in advance, to make sure they are in network. Sure could be made lots simpler.
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: 3420

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: 118
Views: 20811

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: 7489

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: 3420

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: 3420

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: 3420

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: 779

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: 5637

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: 779

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: 5785

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: 4723

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...

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