Search found 3632 matches

by rustymutt
Sat Jan 20, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 2802

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: 2178

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: 5047

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: 2087

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: 5047

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: 5047

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: 978

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: 9670

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: 3478

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: 1823

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: 4528

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: 6753

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.
by rustymutt
Sat Dec 09, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: "Think you can time the stock market? Look at this chart first"
Replies: 42
Views: 4313

Re: "Think you can time the stock market? Look at this chart first"

Great reminder of one of investing's hard lessons for many to understand. Buy and hold will get you there if you're steady and just let time and compounding returns do their job. It worked for me, and will work for anyone whose serious about investing, and not gambling away their wealth, as if Wall ...
by rustymutt
Sat Dec 02, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 3080

Re: I soooo want to embrace the 3 fund portfolio, but...

4 of my 12 holdings are over 25% this year. Read some books on asset allocation for people in your situation. Stay cool. Of course, but if your other 8 holdings make up 95% of your portfolio and are just CDs paying 1%, that don't mean a thang. I assure you that they weren't in CDs, but rather inter...
by rustymutt
Sat Dec 02, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: What's your experience with Medicaid ?
Replies: 41
Views: 2588

Re: What's your experience with Medicaid ?

Beware of Medicaid "clawback" provisions where states back-bill a decedent's estate. Traditional Medicaid clawback likely didn't yield much money since the recipients were mostly poor. With the ACA, however, there isn't an asset test to qualify for expanded Medicaid. As a result, an ACA-Medicaid re...
by rustymutt
Sat Dec 02, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 3080

Re: I soooo want to embrace the 3 fund portfolio, but...

The one-year return of one component of the 3-fund is 27.3% and another is 22.5%, with the average around 25%, so what are you worried about? i need to figure out that mix! 4 of my 12 holdings are over 25% this year. Read some books on asset allocation for people in your situation. Stay cool.
by rustymutt
Sat Dec 02, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 3080

Re: I soooo want to embrace the 3 fund portfolio, but...

Stay put. Stay cool, and read some books on investing. Make yourself the expert on your finances, and how they work. But you need to study up some on investing first. Not everyone whose successful at investing is with Vanguard. Read my freind, then make your own choices.

:moneybag
by rustymutt
Fri Dec 01, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience with Medicaid ?
Replies: 41
Views: 2588

Re: What's your experience with Medicaid ?

That it depends more on the state you''re in, than most would think.
by rustymutt
Fri Dec 01, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4626

Re: Are plasma TV's gone forever?

They are power hogs.
by rustymutt
Thu Nov 30, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 142
Views: 13791

Re: Bonds Are Riskier Than People Think

Looking at recent dips in bonds in the past 20 years, I feel safer with some of my fixed income allocation in CD's with zero downside risk. I've heard it quoted on here that you should keep the money you can't afford to lose in bonds, but feel that is not a good theory especially for retirees. Not ...
by rustymutt
Thu Nov 30, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10098

Re: Which crash have you seen it before it is coming?

The feelings of a crash hang with anyone of much age, whose invested in stocks, and bonds. I set those emotions to the side, because while they are real threats, I don't have a clue as to when it happens, and most people don't. Prolonged periods of unexpected growth and happiness come with a price. ...
by rustymutt
Tue Nov 28, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: new TCL 55 4k TV has washy, pinkish cast
Replies: 18
Views: 1082

Re: new TCL 55 4k TV has washy, pinkish cast

Do those lines in the picture appear when you slap the TV? I ask this cause loose solder joints cause the issue you've got. If it's loose solder joints causing the lines as the set heats up, then you can fix it quite easy yourself with a solder pencil. I've had to do this on at least two sets I've o...
by rustymutt
Fri Nov 24, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7101

Re: Any BLACK FRIDAY deals for Bogleheads?

The best way to save money or a sale is not to go to the store :D However, if Vanguard had a "Black Friday" sale I would be interested. Introductory specials: Purchases made today: Half off expense ratios for the first 3 years for new customers. Customer appreciation sale: Purchases made today. Hal...
by rustymutt
Tue Nov 21, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 3030

Re: LED Lightbulbs - Recommended Brands

I use Cree brand also, and have had good luck, the 3 years since I started using them. Different batch perhaps. My usage isn't as high as most. I switch this home to all LED.
by rustymutt
Tue Nov 14, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Passive investing is a 'chaotic system' that could be dangerous?
Replies: 20
Views: 1948

Re: Passive investing is a 'chaotic system' that could be dangerous?

This argument about passive or active is ridiculous from my advantage. The very best, can't out gain the indexes consistently, and this has been shown over, and over again. And when they do, they don't stay on top long. Just look back at the history of this. Permanently passive, and glad for it. I k...
by rustymutt
Sun Nov 12, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 2035

Re: Are we headed for a crash or...

My stats point to continued slow growth, but steady in the area of 6 to 8% average going forth. Some down years are possible anytime in the short term. And I believe emerging markets will way out perform in the next 5-10 year period, and possibly beyond by years if not decades. Now, if you've read m...
by rustymutt
Sun Nov 12, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 3854

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

One option: Start a taxable account at Vanguard (If you don't already have one). 40% Total US Stock index 60% Int-Term Tax-Exempt bond index I don't know your tax bracket or what other funds you have. This is just a "it might work" idea. We have a taxable account with Total US, Total International ...
by rustymutt
Sat Nov 11, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 10278

Re: Retirees: I got this!!

2009 retiree here. So 8 years out, divorced since. No debt. Own home. All my savings in retirement tax deferred retirement accounts. IRA, and Roth. New truck. I love being retired. I feel like I got my life back, and feel like a kid again, but without financial worry.
by rustymutt
Thu Nov 09, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5339

Re: what pickup truck

2017 Sierra SLT 4x4 short bed 5.3 v8 with 36 rear end for towing. Third GMC truck in my life. I keep coming back to GMC. Rusty - that would be a 3.42 rear correct? Thank you for that correct answer sir, as you're correct. 3.42, 3.92 and then a even lower rear end. The lower the number, the higher t...
by rustymutt
Thu Nov 09, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5339

Re: what pickup truck

16 f 150 lariat owner here. Couldn't be happier with the truck. I have no brand loyalty so I say this as unbiased as possible. You can not get dollar for dollar in any other brand truck what you can in the f 150. Being the #1 selling vehicle in America makes for discounts the other brands have a ha...
by rustymutt
Thu Nov 09, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5339

Re: what pickup truck

2017 Sierra SLT 4x4 short bed 5.3 v8 with 36 rear end for towing. Third GMC truck in my life. I keep coming back to GMC.
by rustymutt
Tue Nov 07, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 9315

Re: "I took all my money out of the stock market and it feels amazing"

The game is never won. Fine a new one when it does, but stuffing in a mattress isn't my cup of tea. I'd rather make it my slave and let it make me more. :greedy Worst that can happen is you lose some.
by rustymutt
Tue Nov 07, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 510
Views: 65264

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

OK, I just upgraded to 2017, from 2015, and they've already began asking me to buy the new 2018. Not 2 months I've owned their product. The marketing has gone north in Quicken. Guess I'll be forced to find an alternative register. May go back to manual spreadsheets, as other have mentioned. :?
by rustymutt
Sat Nov 04, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: History of World Stock Market Bubbles, 1900-2014
Replies: 38
Views: 3790

Re: History of World Stock Market Bubbles, 1900-2014

Maybe we all just need to expand or reference point given the huge numbers.
by rustymutt
Fri Nov 03, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7024

Re: GoDaddy - Any better options for website hosting?

I had a 5 year license with GoDaddy and was completely satisfied with the results. I closed my business down and retired the domain name.
by rustymutt
Fri Oct 27, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4022

Re: Amazon kindle paperwhite

I use one, and like reading on it. Battery seems to last for long time between charges. Yeah, if you like to read Kindle books, then get one.
by rustymutt
Fri Oct 27, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: One Total Market Index Fund vs Three Different Cap Index Fund
Replies: 19
Views: 2187

Re: One Total Market Index Fund vs Three Different Cap Index Fund

I am happy currently. Let's see in about 5 years how it's working out. I'm 8 years into retirement and averaging 8% annually.
And let me remind some of you to spend a little of what you've made. Enjoy it while you can. And now I don't even have to rebalance. Wow! I'm getting really lazy.
by rustymutt
Fri Oct 20, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1970

Re: Strange email from Equifax

Good luck with contacting that firm. OMG what a mess they've created.
by rustymutt
Fri Oct 20, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance
Replies: 36
Views: 1915

Re: Whole Life Insurance

Try to parse out the return going to existing cash value, and return to new premiums and how much is the pure cost of insurance. Sounds like your getting an amazing deal, which makes me think it's not accurate. Ask for an in force illustration. Cash out now, and invest into low cost index funds. Bu...
by rustymutt
Fri Oct 20, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: One Total Market Index Fund vs Three Different Cap Index Fund
Replies: 19
Views: 2187

Re: One Total Market Index Fund vs Three Different Cap Index Fund

You might consider Vanguard's Balanced Fund with a 60/40 equities to bonds ratio. No rebalancing required is a huge benefit, if like to set it, and just forget it, as I do. I don't worry about the markets up's/down's turnarounds, rebounds, or junk in media circles. Simply follow the academics studie...
by rustymutt
Fri Oct 20, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 7286

Re: Has your "risk tolerance" been tested?

It builds true character into those willing, able, and ready.
by rustymutt
Fri Oct 20, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1970

Re: Strange email from Equifax

At this point I'd be striving to minimize contact with these companies. They've had to surge a lot of temp staff to do "customer service". I'd be concerned that each additional contact just increases the likelihood of further errors. +1. And just fyi: Anytime you try to change information in your c...
by rustymutt
Thu Oct 19, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3084

Re: Finally a win for teachers!!

This is AWESOME! Justice For All.
by rustymutt
Thu Oct 19, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 62
Views: 10495

Re: Amazed by Vanguard Wellington's Performance

Are there any active funds that really cause you to consider that maybe it really is possible to outperform indexes? For me, Wellington definitely has to be one of them. Just for fun, I occasionally sometimes go to www.portfoliovisualizer.com and run comparisons. About a week or two ago, I wanted t...
by rustymutt
Wed Oct 18, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Recommendations on truck/suv/crossover/wagon with comfortable seating
Replies: 11
Views: 948

Re: Recommendations on truck/suv/crossover/wagon with comfortable seating

I just traded my 15 4Runner in for a 17 GMC Sierra truck. I didn't like the 4Runner at all. Very tight spaces and no leg room for me, at 6'4" tall. The software in it was odd at best. Couldn't roll back window up with any door open. Could roll down, just not up. I get 2 mpg better gas milage in my G...
by rustymutt
Wed Oct 18, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6956

Re: Larry Swedroe:Better To Face The Correction

Yeah, like he said. Can't take it with me when I go anyway. Leave it invested. That's how I see it myself. Can't do any better or any worst than the markets allow for. Take the positive long term slope, and live within your means.
by rustymutt
Wed Oct 18, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5386

Re: The overselling of international diversification

Long Term diversification does work, but most of us don't have the patience to hang in there that long. I didn't, and hold US equities at this time.
by rustymutt
Tue Oct 17, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 517
Views: 52522

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by rustymutt
Tue Oct 17, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 517
Views: 52522

Re: Fellow TDA bogleheads

Grt2bOutdoors wrote:
Sat Oct 14, 2017 4:16 pm
No problemo, use Vanguard brokerage, Vanguard ETF's galore! :D
Bingo!