Search found 3648 matches

by rustymutt
Thu Feb 22, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 51
Views: 7917

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: 9129

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: 8237

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: 1540

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: 1083

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: 24061

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: 261
Views: 14621

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: 15990

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: 1715

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: 2565

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: 7951

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: 4062

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: 9444

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: 1365

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: 2339

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: 3009

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: 2368

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: 5360

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: 2195

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: 5360

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: 5360

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: 1037

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: 9854

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: 3540

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: 2024

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: 4692

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: 6870

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: 4371

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: 3255

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: 2724

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: 3255

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: 3255

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: 2724

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: 4747

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: 14109

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: 10355

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: 1136

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: 7215

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: 3124

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: 1983

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: 2081

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: 3993

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: 10378

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: 5501

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: 5501

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: 5501

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: 9506

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: 516
Views: 67752

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: 3965

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

Maybe we all just need to expand or reference point given the huge numbers.