Search found 3556 matches

by rustymutt
Sun Sep 24, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 67
Views: 2902

Re: Bogleheads monthly costs of dog ownership?

This thread is incomplete without a least one of these "types" of posts, so here goes... I do not own a dog. Me too. I love going to the dog park, and being asked which dog is mine. I answer that all of them are, and that it's less expensive this way. Great for lowering blood pressure also. I love ...
by rustymutt
Sun Sep 24, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 9
Views: 934

Re: Favorite small Colorado towns near great fishing?

Montrose is a good spot. Close to the Gunnison River where Pres. Carter does his casting occasionally. Uncompahgre runs thru the town and there are lots of good spots for trout, especially for rainbows right below the Ridgway Dam. The East Portal adjacent to the Black Canyon National Park is great ...
by rustymutt
Sun Sep 24, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 9
Views: 934

Re: Favorite small Colorado towns near great fishing?

Blue Mesa reservoir has exception fishing I'm told. Salmon, and lake trout in abundance. The Gunnison river is dammed up making this deep gorge reservoir. I recall seeing bighorn sheep along the banks years ago. Surely fly fishing is done here, but I'm not sure how, or where. They want the lake trou...
by rustymutt
Fri Sep 22, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4139

Re: Uplifted Driveway = No Home Owners Policy ?!

Just get the drive fixed. Would you want a loved one tripping over it? Can't be that much to fix it.
by rustymutt
Fri Sep 22, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 50
Views: 2734

Re: Gaps in new hardwood flooring

Send it back with a message that Americans are tired of lousy businesses that sell crap not meeting specs, and if they can't do it, you'll find a company that can. And don't act afraid to tell them! :sharebeer
by rustymutt
Fri Sep 22, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 24
Views: 1366

Re: Phone Techies .....

Put a new battery in it and it's good to go. I've a 5c and love it. Paid for also.

https://www.amazon.com/ilovo-Rechargeab ... ew+battery
by rustymutt
Tue Sep 19, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23355

Re: Calling out the not so rich bogleheads

I'm not understanding your logic. We want everyone to have the knowledge and ability to be whatever they want financially. Most the questions I see don't have nothing to do with being a millionaire, but rather being informed about what's in your best interest. Are you feeling a bit left out? If so, ...
by rustymutt
Mon Sep 18, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28649

Re: Wow, Vanguard Flagship service is bad. Really bad.

I'd leave Vanguard if I were you. You will be leaving them won't you? Not sure where you'd go without having some other issues, but if it was as bad as you state, then I'd pack my bags.
by rustymutt
Mon Sep 18, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1522

Re: Color printer suggestions: high quality output, low cost of ink

I too recommend laser printers, and I've had great results with Brother printers for years.
by rustymutt
Fri Sep 15, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for Special Needs?
Replies: 2
Views: 260

Re: Financial Planner for Special Needs?

You might do well chatting with an estate attorney about creating a trust for this situation. I'm not sure how much estate you're going to have, but if I was in this situation, that's where I'd start at least. Good of you to start thinking about the end, cause it's coming for all of us some day.
by rustymutt
Fri Sep 15, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 795

Re: Is "Fall" grass fertilizer formulation really necessary?

I fertilize my lawn in mid fall with Scotts Turf Builder. I never gave thought to using their "Winterguard Fall Lawn Food". I figured it was just a marketing ploy. So I Googled it to find out the difference and this is what I found: What’s the Difference? Fertilizer bags always have three numbers p...
by rustymutt
Fri Sep 15, 2017 6:31 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 795

Re: Is "Fall" grass fertilizer formulation really necessary?

It depends on many factors, besides the marketing factor. Starting with what type of grass you're growing, and how much residual nitrogen is in the soil. I stopped feeding my bermuda grass after the July application, to help stop the top growth, which was leading to fungus in the soil, which carried...
by rustymutt
Thu Sep 14, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16671

Re: Iphone X is $1000

With facial recognition, I'm in trouble. :oops:
by rustymutt
Wed Sep 13, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3303

Re: Retirement - Living in Colorado

Some years back, my ex and me looked into the Fort Collins area, and decided we couldn't afford it. Housing is through the roof expensive. And it wasn't at all fancy, but plain for housing. We've also looked into CS, which was cheaper living, but..... they have forest that catch fire in the foothill...
by rustymutt
Wed Sep 13, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4616

Re: Milestone Reached - "Quarter Millionaire!"

And you're going to need way more than that to live it up, without outliving your income. Keep up the great savings! :sharebeer
by rustymutt
Tue Sep 12, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10872

Re: Anyone else freeze their credit score?

I just tried to freeze my credit with Equifax, and the website was so busy it's down.
by rustymutt
Mon Sep 11, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37759

Re: Equifax customer information leak

How do you freeze your credit. I believe that's a good ideal. I pay cash for everything anyway.
by rustymutt
Tue Sep 05, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5080

Re: Coyote Defense

I've seen Coywolves in our backyard. Bigger than a coyote, smaller than a wolf, they're cross between the species. About the size of a German Shepard. They were not at all afraid of me. They were hunting Canada geese, their main targeted food source. Heh. Wonder if you guys could import some down t...
by rustymutt
Tue Sep 05, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5080

Re: Coyote Defense

I've seen Coywolves in our backyard. Bigger than a coyote, smaller than a wolf, they're cross between the species. About the size of a German Shepard. They were not at all afraid of me. They were hunting Canada geese, their main targeted food source.
by rustymutt
Mon Sep 04, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 17
Views: 1789

Re: Denied for Citi Double Cash, but no record of application?

Maybe a bait and switch tactic. This is a growing trend in business. For example, 72 month financing at 0%. And when you ask the dealer about it, they simply tack cost onto the current offer sale price. It should be illegal, but I don't believe the police check into this much, as it's business. They...
by rustymutt
Wed Aug 30, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5080

Re: Coyote Defense

jebmke wrote:
Wed Aug 30, 2017 1:42 pm
rterickson wrote:
Wed Aug 30, 2017 1:07 pm
Carrying a golf club will get you fewer funny looks than a baseball bat.
Take a 2-iron. They aren't good for anything but clubbing something.

Mine is good for 250 yards.
by rustymutt
Wed Aug 30, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5080

Re: Coyote Defense

We've got coyotes all over. I've heard of 2 dogs being ate in the past 2 months alone. Keeping them inside a fenced yard is the first defense. They won't attack a dog in the company of people, and on a tether. I've had them jump right over the top of me while turkey calling, and I'm not sure which w...
by rustymutt
Tue Aug 29, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Rob Arnott: Dump US stocks buy EM
Replies: 65
Views: 5386

Re: Rob Arnott: Dump US stocks buy EM

Investment porn at best. Never do what these guys claim is the best thing to do. All it would do is help his investments, but most likely :beer not yours.
by rustymutt
Mon Aug 28, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines...for now
Replies: 32
Views: 3770

Re: Sitting on the sidelines...for now

Tim, nothing wrong with sitting on sidelines, but you might be waiting along time for any sizable market drop. Have you thought about going ahead with bond purchases, and keeping whatever allocation your written investment plan calls for in equities in short term government bond funds? This way if y...
by rustymutt
Mon Aug 28, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3203

Re: Desperate to get rid of mosquitoes, what else could we try?

acunn wrote:
Sun Aug 27, 2017 4:47 pm
Have you done any research on putting up bat houses? Amazing mosquito eaters!
I like that ideal. Big bat fan here.
by rustymutt
Mon Aug 28, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3203

Re: Desperate to get rid of mosquitoes, what else could we try?

I live in a rather high mosquitoes area of the country, and use seven on all my shrubs, and trees. Then a Bayer product on the grass. Both are hose end sprayers. Got rid of all the mosquitoes, and other insects that bug us. Any standing water, including bird baths, must be treated of be gone. You mi...
by rustymutt
Sat Aug 26, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Wait & You'll Likely Miss Out
Replies: 74
Views: 9958

Re: Larry Swedroe: Wait & You'll Likely Miss Out

Yes, but he could also be wrong. Many other factors to figure into the standard algorithms. Just saying. :sharebeer
by rustymutt
Sat Aug 19, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 1409

Re: Lawn Experts Help! How to get rid of this weed?

Take that weed into your local county extension office. They should be able to answer all your questions.
My guess is a spurge of some variety.
by rustymutt
Sat Aug 19, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 15136

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Angelus359 wrote:
Sat Aug 19, 2017 5:38 am
Is there a fund that exclusively buys nasty evil companies that do crimes against humanity, and then generates shareholder votes towards positive goals?

You don't fix evil by avoiding it. You fix evil by addressing it.

Amen!
by rustymutt
Sat Aug 19, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 15136

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Yeah, I voted my proxies yesterday and received a thank you email for doing so.
by rustymutt
Sat Aug 19, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Do I have a computer virus?
Replies: 13
Views: 1627

Re: Do I have a computer virus?

bb201, that was a valid Windows 10 update, as I also had it, and ran it. They basicly reinstalled the operating system. I then had issues with Java, and took it off and reinstalled it. It fixed the issues that I was having with slow everything. And those popups stating you've got browser updates are...
by rustymutt
Sat Aug 19, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 208
Views: 23309

Re: What is Bitcoin?

I know that 2 of them is twobits, and that's a quarter. lol :sharebeer
by rustymutt
Tue Aug 15, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 83
Views: 7746

Re: T-Mobile promotion for 55+

Am over 55 and pay TM $70 a month just for one phone. I can now have 2 for less. Weird of them. :(
by rustymutt
Sun Aug 06, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: New windows, Anderson 400 series vs. Simonton ProFinish
Replies: 2
Views: 548

Re: New windows, Anderson 400 series vs. Simonton ProFinish

I replaced 37 wood rot (dry) windows with Simonton windows 14 years ago, and while I no longer own that home, they were very good windows, and I'd use them again. We had a west facing 6 x 6 cloud over inside because of a leaking seal, and they have lifetime replacement. It got replaced, and I only p...
by rustymutt
Fri Aug 04, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 342
Views: 39876

Re: Quicken's future direction - a cause for concern

Companies want to get everyone on a subscription for just about everything for obvious reasons ($$$). People have a breaking point though. You might have Amazon Prime, cable tv, internet, cell phone, Netflix, satellite radio, Hulu, online periodicals, Office 365, etc. People are going to pushback a...
by rustymutt
Thu Aug 03, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8557

Re: LED light bulbs

I don't know if this is a good idea but I am happy with going to Lowes or Home Depot and buying their cheapest LED bulbs. They are supposed to last for many years and use very little electricity and so far they have done well. I bought and use a bunch of LED bulbs from Home Depot and have been happ...
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: 3270

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: 3270

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: 3740

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: 6236

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: 3661

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: 2465

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: 3661

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: 3656

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: 3656

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: 3656

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: 3831

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: 3831

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