Search found 3400 matches

by rustymutt
Sun Sep 25, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1162

Re: yahoo class action email suit

Not a chance. Everyone who signed up for Yahoo, agreed to a legal process that protects them from law suit beyond their control. They aren't consider to be at fault for this illegal hack.
by rustymutt
Sun Sep 25, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3141

Re: Stain Our Deck Before Winter - $3,000 or DIY?

I had to clean and reseal a redwood deck in Kansas. Sun and rain take the toll on finishes. I went Home depot premium Bear deck cleaner, and sealer/stain in a semi-transparent on the deck itself, and solid stain on verticals and horizontals. I rented a pressure sprayer for the cleaning process. Work...
by rustymutt
Sun Sep 25, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2810

Re: Selling in October

It's a gamble at best. Good luck with that move. I'm setting pat, thank you.
by rustymutt
Fri Sep 23, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 130
Views: 9384

Re: The Trouble with "Buy and Hold"

I, too, think this is a worthwhile discussion to have, and the OP has been courteous in response to the criticism. The results of the study in question are interesting. I find it a strong point that the method is tested on several different asset classes and it gives consistent positive results in ...
by rustymutt
Fri Sep 23, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Fundamental Difference in Roth and Traditional 401k
Replies: 49
Views: 2863

Re: Fundamental Difference in Roth and Traditional 401k

One big difference is that you can control your tax situation better with Roth withdraws, than 401K, or IRA withdraws. And doing so every year with thought and planning, help make the most out of your money. Some say it's not worth the efforts to have a Roth. I disagree. I'm in retirement, and that...
by rustymutt
Fri Sep 23, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 130
Views: 9384

Re: The Trouble with "Buy and Hold"

Hi Trouble, Most Bogleheads have been using buy and hold for years, successfully I might add. So the views you get here are not exactly what you might expect. Your trouble with "Buy and Hold", isn't our trouble. In fact most of us that have done it this way for years, and remember what Tay...
by rustymutt
Fri Sep 23, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Fundamental Difference in Roth and Traditional 401k
Replies: 49
Views: 2863

Re: Fundamental Difference in Roth and Traditional 401k

One big difference is that you can control your tax situation better with Roth withdraws, than 401K, or IRA withdraws. And doing so every year with thought and planning, help make the most out of your money. Some say it's not worth the efforts to have a Roth. I disagree. I'm in retirement, and that ...
by rustymutt
Fri Sep 16, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1173

Re: Where Do BHs Register Business Web Domains?

I used Godaddy.com
by rustymutt
Wed Sep 14, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 1789

Re: Any Car expert out there : Check Engine Light on

It's built into the newer cars, and trucks to remind you that you engine needs service. I don't like it myself. I find it annoying, and unnecessary for someone such as myself. I"m very organized with my maintenance. Take it by your dealer, and they will punch in a code on the instrument panel c...
by rustymutt
Wed Aug 24, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 681
Views: 269209

Re: Ultimate Buy and Hold - 8 slices vs 4

That's 50% of the equity side of the portfolio, not 50% of the total. So if your portfolio is 100K and your alllocation is 60/40
Then 40K is bonds and only 30K in international.
by rustymutt
Wed Aug 24, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33257

Re: Frugality regret: What thing do you regret not spending on?

Not marrying my first girl friend at age 18, because I was broke. If you're in love, get married. Don't worry about other things, as they have ways of working themselves out. Other than that, none.

:happy
by rustymutt
Thu Aug 18, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 3403

Re: Orange cable from utility pole on the ground on my property

It will be buried at some point in the future by contractors that don't give a dame about your bushes, yard, or other items in the way. This is industry standard practice.
by rustymutt
Sat Aug 13, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: I am tempted to time the market
Replies: 36
Views: 2653

Re: I am tempted to time the market

Talk me out of why this doesn't make sense I have done this before,seriously,when I was younger and needed assistance in staying the course. Look straight in the mirror and talk to the person you see. You know what to tell them regarding staying the course and letting Compounding take care of the r...
by rustymutt
Sat Aug 13, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: I am tempted to time the market
Replies: 36
Views: 2653

Re: I am tempted to time the market

Everything I read says don't try to time the market. As a 41 year old who is 15 years from retirement I am 90% stock market index fund and 10% bond. The market has been on one of the longest bull runs so I am thinking I should re-balance and go into cash and/or bonds because it seems like the corre...
by rustymutt
Sat Aug 13, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: air conditioning filters
Replies: 36
Views: 2662

Re: air conditioning filters

I have use all kinds of filters in my lifetime, including the electronically charged ones. I'm now down to 3/4 wide, single ply which I replace monthly. Much less dust than I use to have. Keeping home cleaner is goal. I also open up my home weekly for a few hours, to let the air refresh. Costly, but...
by rustymutt
Sat Jul 09, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2796

Re: Mice in my grill

It looks like mice have been nesting in my grill. I keep it covered up and keep it clean including the grease trap. Anybody else have this problem? How do you get rid of them? And please don't say get a cat as that is not an option for me. I found that snakes reduce the mice population. :happy Seri...
by rustymutt
Sat Jul 09, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2796

Re: Mice in my grill

I keep a fresh box of rat/mice killer pellets out in the bottom of my closed grill. Birds get into to and the next make great smoking material. They final got the point after fire destroyed their nest the 3rd time. Someone else at church told me that moth balls also keep them away. I use do use moth...
by rustymutt
Wed Jul 06, 2016 9:04 am
Forum: Investing - Theory, News & General
Topic: dividend paying stocks good substitutes for safe bonds (NOT)
Replies: 102
Views: 8277

Re: dividend paying stocks good substitutes for safe bonds (NOT)

You are correct. I'm not getting a free lunch with these 5% dividends. I'm taking a risk. I do own a large amount of every ETF in the Merriman slice and dice portfolio so I don't solely depend on T and VZ but your points are well taken. Believe me though that T and VZ are monster companies that hav...
by rustymutt
Wed Jul 06, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 3188

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

I've worked and vacationed in that area, and all I can say is that it's like a steam room in summer. So if outdoor water activities, other outdoor fun things and hot humid air are the sort of environment that you desire, then you'll love it. By the way, I've been there in winter also, and I loved it...
by rustymutt
Sat Jul 02, 2016 1:57 pm
Forum: Investing - Theory, News & General
Topic: dividend paying stocks good substitutes for safe bonds (NOT)
Replies: 102
Views: 8277

Re: dividend paying stocks good substitutes for safe bonds (NOT)

Larry, when was the last time AT&T(SBC) and VZ lowered their dividend payments? I'd say their dividend history is very relevant to an investor who is looking at their income streams. It's interesting to me that we accept treasury bonds yielding less and less (for safety sake) and yet we quickly...
by rustymutt
Sat Jul 02, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: dividend paying stocks good substitutes for safe bonds (NOT)
Replies: 102
Views: 8277

Re: dividend paying stocks good substitutes for safe bonds (NOT)

A good reminder. While learning about index funds, I was surprised to see that dividend focused index funds like VHDYX (Vanguard High Dividend Yield Index) dropped just as much as VTSAX (Vanguard Total Stock Market Index) back in 2009. There's also the question of how much the dividend payments wou...
by rustymutt
Sat Jul 02, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig at Google
Replies: 1
Views: 667

Re: Jason Zweig at Google

Thank you for the information. I'm listening in right now, and it's very interesting topic. I've liked his books I've read in the past. :moneybag
by rustymutt
Thu Jun 30, 2016 7:30 am
Forum: Investing - Theory, News & General
Topic: What is the Bogleheads position on Long-term successful daytraders?
Replies: 88
Views: 5259

Re: What is the Bogleheads position on Long-term successful daytraders?

Check out Dan Zanger Chart Patterns http://www.chartpattern.com, There is a chat room full of day traders and it might give you some insight. He also has a newsletter you can join for a two week trial. Of course its not for me which is why I am on this site. Needless to say its entertaining to see ...
by rustymutt
Thu Jun 30, 2016 7:29 am
Forum: Investing - Theory, News & General
Topic: What is the Bogleheads position on Long-term successful daytraders?
Replies: 88
Views: 5259

Re: What is the Bogleheads position on Long-term successful daytraders?

Every day trader I've known, has praised the way I stick with buy and hold, and are amazed that over the last 10 years, I've returned over 7% annually. Some of those traders had won $hundreds of thousands of dollars, but admitted to me, that he'd lost that back again, plus. He had regrets, and share...
by rustymutt
Wed Jun 29, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Can this roast beef be saved?
Replies: 22
Views: 1734

Re: Can this roast beef be saved?

dickyboy wrote:Do you have a meat grinder ? I'd suggest grinding it up and make chili.


In summer? How about feeding the bird dogs with it. Or coon hounds if you've got them. Blue buffalo has nothing on chuck dog food.
by rustymutt
Wed Jun 29, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Can this roast beef be saved?
Replies: 22
Views: 1734

Re: Can this roast beef be saved?

I hate to say this, but they don't cut chuck the way it use to be cut. I ask the butcher about this. For example, you rarely fine boned in chuck anymore. To me, they are more like beef tumor. I have special ordered clod roast, and it comes a whole shoulder roast. 24 pounds, was the one I smoked for ...
by rustymutt
Mon Jun 27, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12738

Re: Plunge and Panic-Do You Get It Now?

I think you're being a little over descriptive here with total sale off, and market run BS. These periods of decline are normal, and healthy. Anyone investing for the long haul simply see it as an opportunity to re-balance from bond funds, to stocks. I'm not running to sell off the equities I've bu...
by rustymutt
Mon Jun 27, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Dogs scratched my car on country road
Replies: 27
Views: 2869

Re: Dogs scratched my car on country road

I'd have contacted local law enforcement agency, and let them file a report. Then file with your insurance company, and let them sue the dog owners. That's how it's done in our state. 911 works, just for your situation.
by rustymutt
Mon Jun 27, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12738

Re: Plunge and Panic-Do You Get It Now?

I think you're being a little over descriptive here with total sale off, and market run BS. These periods of decline are normal, and healthy. Anyone investing for the long haul simply see it as an opportunity to re-balance from bond funds, to stocks. I'm not running to sell off the equities I've bui...
by rustymutt
Wed Jun 22, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 27
Views: 3510

Re: Emerging Markets Small Cap Value

I switched to EWX 2 years ago from EEMS. At the time I was looking for yield, and after some considerations, EWX was the choice for me. It's 6% of my portfolio weight. And for the last 2 years, it's worked out well for me. I felt it's factor load was more inline with my inclinations toward risk/rew...
by rustymutt
Wed Jun 22, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4862

Re: best wristwatch for the price

+1 seiko, I''m not recommending this seller, but the orange seiko 5 has some cred among watch lovers: https://www.amazon.com/Seiko-Automatic-Orange-Stainless-SRP483/dp/B00I5IAUB8/ref=sr_1_sc_2?ie=UTF8&qid=1466621858&sr=8-2-spell&keywords=seiko+5+prange Is Orange really considered "...
by rustymutt
Wed Jun 22, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4862

Re: best wristwatch for the price

+1 seiko, I''m not recommending this seller, but the orange seiko 5 monster has some cred among watch lovers: https://www.amazon.com/Seiko-SKX781-Orange-Monster-Automatic/dp/B000EPLR2G My Seiko from the 80's didn't last me 4 years. I was quite upset about that. The crystal had cracked and moister h...
by rustymutt
Wed Jun 22, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4862

Re: best wristwatch for the price

I'm wearing a $21 Timex that takes a licking, and just keeps on ticking. I've had it for 4 years now, and wear it every day. Battery is still original, and I'm planning on having it replaced in the fall.
by rustymutt
Wed Jun 22, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1615

Re: Using toll roads without transponder?

Don't forget that in places now, they bill you based off the license plate characters, that are scanned into a database with the passing of your vehicle. You get the bill in the mail later on. Denver has these types of toll roads. It's better than having to stop twice to take care of administrative ...
by rustymutt
Wed Jun 22, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 27
Views: 3510

Re: Emerging Markets Small Cap Value

I switched to EWX 2 years ago from EEMS. At the time I was looking for yield, and after some considerations, EWX was the choice for me. It's 6% of my portfolio weight. And for the last 2 years, it's worked out well for me. I felt it's factor load was more inline with my inclinations toward risk/rewa...
by rustymutt
Tue Jun 21, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 5028

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

Like others have said, most likely something is drawing battery power without you seeing. To confirm a parasitic load the old fashioned way, disconnect the battery terminals overnight. Next day reconnect the batter terminals. If the car starts, then something is silently sucking battery power. Or t...
by rustymutt
Tue Jun 21, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 5028

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

Is the alternator working? This sounds as if your alternator isn't charging the battery correctly. Solid state electronics, can and do fail. Regulators go bad. I think I'd take this to another service center for Lexus, and ask them to diagnose the issue.
by rustymutt
Thu Jun 02, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 6897

Re: How to stop MS loading Windows 10?

This is terrible advice! lol Turn off auto windows update. Cyber security professional here. It's not actually terrible advice as long as the person regularly applies updates manually. Technically speaking, there is nothing superior about automatic updates compared to manual updates. They both upda...
by rustymutt
Thu Jun 02, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 6897

Re: How to stop MS loading Windows 10?

This is terrible advice! lol Turn off auto windows update. Yes! No need to do that at all. Never10 stops the Win10 update but leaves other updates alone. As far as I know that's the only way to stop the evil systems creator from taking over the heart and mind of my laptop's soul. I run Windows 10, ...
by rustymutt
Mon May 30, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 3783

Re: Anyone convert a van for travel/camping?

Here is what I am considering for the future for myself: http://www.fourwh.com Man you nailed it! That's what I want also. Keep it simple and yet all the needed essentials. I still don't see for for four people and probably a pet. Also you need air conditioning, and that requires a generator, so yo...
by rustymutt
Mon May 30, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 3783

Re: Anyone convert a van for travel/camping?

JMacDonald wrote:Here is what I am considering for the future for myself: http://www.fourwh.com



Man you nailed it! That's what I want also. Keep it simple and yet all the needed essentials.
by rustymutt
Mon May 30, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 5237

Re: What was your first investment?

I was a worker at Plant Kingdom, when a mower got traded in by one of my customers. My boss sold me that mower for $15. That season I made over a $1000 that season cutting yards, hauling the mower behind me on a bike. Glad that I'm not mowing yards for a living nowadays. I still mow my own twice a w...
by rustymutt
Mon May 30, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 5237

Re: What was your first investment?

I was a worker at Plant Kingdom, when a mower got traded in by one of my customers. My boss sold me that mower for $15.
That season I made over a $1000 that season cutting yards, hauling the mower behind me on a bike.
by rustymutt
Fri May 27, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 32
Views: 1758

Re: Best Saw Blade to Purchase for this DIY

You want to use a finish blade on oak. Lots of fine small sharp teeth. And understand you may need more one blade, as oak is hard wood, and burns up even carbon coated blades. I've built with solid oak, and it's wonderful to work with, save it's hardness on bits, blades, tools in general. But the en...
by rustymutt
Sun May 22, 2016 8:12 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20636

Re: Is there a such thing as a blue collar Boglehead?

rustymutt wrote:Yes, you'd be surprised at what saving money monthly (like clock works) can do for us blue collar folk. Start early and stay long.


And we're staying in your neighborhoods :sharebeer
by rustymutt
Sun May 22, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Flying airplanes -lessons
Replies: 38
Views: 2688

Re: Flying airplanes -lessons

Not intending to hijack this thread (haha, airplane joke), but DS is interested in flying, possibly to the point of getting his license down the road. He's a full-time student, so time slots to fly are few and far between (eg, flying at school means taking an Uber back and forth). Every time he cal...
by rustymutt
Sun May 22, 2016 7:13 am
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 3280

Re: Las Vegas in July

I've been through Las Vegas on the 4th of July. It was hotter than you know what at Hoover dam. And the city was very busy. Lots of road works.
by rustymutt
Sun May 22, 2016 7:09 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20636

Re: Is there a such thing as a blue collar Boglehead?

Yes, you'd be surprised at what saving money monthly (like clock works) can do for us blue collar folk. Start early and stay long.
by rustymutt
Sun May 22, 2016 7:05 am
Forum: Personal Consumer Issues
Topic: Flying airplanes -lessons
Replies: 38
Views: 2688

Re: Flying airplanes -lessons

When I got my flying license in 1980 while working at Beech Aircraft, the cost of the flying club was very low. Beech subsidized it. Beech Bonanza $11 an hour wet. My job was to build the doors into the aircraft, and put on locks, form and fit it to each aircraft frame, and test for air leaks. They ...
by rustymutt
Mon May 09, 2016 9:03 am
Forum: Investing - Theory, News & General
Topic: NY Federal Reserve President Signals Higher US Interest Rates
Replies: 26
Views: 2822

Re: NY Federal Reserve President Signals Higher US Interest Rates

I've read that raising interest rates in the US while they are negative abroad could have unexpected consequences. Apparently it's never happened before. I am no expert on monetary policy, but I thought one reason to raise interest rates was to slow inflation. Inflation is not exactly high right no...

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