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Re: Guns for hunting/defense

All striker fired guns will work with the action you describe. (Most semiautomatic handguns without a visible hammer fall into this category) The distance for the striker tail to snap over the sear may be a little different but it will work. With DA/SA guns (and some striker guns), you can just pull...
by Crow Hunter
Mon Mar 02, 2015 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 126
Views: 6617

Re: Guns for hunting/defense

<snip>If you can have someone rack the slide for you and leave it as it should be kept loaded with one in the pipe then all you need to do is shoot. 20 rounds may not be enough but 1 shot may be all that is needed, as I said all situations are unique. Also having another 19 round mag would allow yo...
by Crow Hunter
Mon Mar 02, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 126
Views: 6617

Re: International increase in Target Retirement & LifeStrate

This worries me, and makes me wonder if I should just break my TR account into individual funds. Might be better in the long run anyway? According to https://personal.vanguard.com/pdf/ISGGEB.pdf diversification benefits taper off past 40% -- but I'm still not convinced when it comes to things like ...
by Crow Hunter
Fri Feb 27, 2015 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 121
Views: 8294

Re: Interesting story on NPR, International Investing

So you are putting up Russia as an alternative? Some people believe that you shouldn't invest in what you don't understand. I know I can't really claim any understanding of Russian private property or Russian markets. Investing in something because it happens to be making a lot of money right now i...
by Crow Hunter
Fri Feb 27, 2015 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Interesting story on NPR, International Investing
Replies: 4
Views: 1206

Re: Anyone have one of those standing desks?

I made one at work about 5 years ago IIRC. I stand probably 75% of the day. I prefer to stand while I am working on my computer. Actually I am standing right now as I type this. :D I do sit down for meetings and when I am working on something that requires me to write. I started doing it because of ...
by Crow Hunter
Fri Feb 27, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: Anyone have one of those standing desks?
Replies: 23
Views: 1711

Interesting story on NPR, International Investing

Planet Money was discussing a can of Coke. Gist of the story: Coca-Cola has huge amount of sales overseas. The US market is currently doing great while the rest of the world is not quite as good. The USD is high relative to other currencies because of this. This is hurting their profitability. Howev...
by Crow Hunter
Fri Feb 27, 2015 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Interesting story on NPR, International Investing
Replies: 4
Views: 1206

Re: How does one increase their typing speed and accuracy?

I played video games growing up on the computer that required me to use the keyboard. Since I didn't want to take my eyes off the screen, I learned where the letters were. :D I think if you can figure out an engaging way to make you watch the screen instead of the keyboard you will learn. In high sc...
by Crow Hunter
Thu Feb 26, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2236

Re: Is a generator worth it?

To echo cheese_breath, it depends. It wouldn't be for me. We have gas logs for heat, a wind up emergency radio that can charge cell phones, candles/flashlights/oil lamps and playing cards/board games. We have lost power for up to 3 days before and while it wasn't "fun", it wasn't terrible ...
by Crow Hunter
Thu Feb 26, 2015 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 104
Views: 5018

Re: Should you tip when picking up takeout food?

jstrazzere wrote:I consider tips as extra pay for really good service.

I don't consider handing over a bag of food at a takeout counter as service. Thus I don't tip.
Nor do I tip cashiers in the grocery store, ticket takers at the movies, bank tellers, dry cleaner workers, etc.


+1
by Crow Hunter
Thu Feb 26, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3739

Re: Raise was only 2.44%?

NeutrinoPerson wrote:Wow, Crow Hunter, are you me? :shock:


We may never know.

:twisted: :sharebeer
by Crow Hunter
Thu Feb 26, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4535

Re: Raise was only 2.44%?

I was promoted within-company and it didn't come with a raise in itself, either. Decent-sized bonus, though (14% of gross, pre-tax, so about 7% post-tax). Many companies have learned that low raise + bonus is better for the company. It keeps people in line. There are things to do so that one get de...
by Crow Hunter
Thu Feb 26, 2015 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4535

Re: Vanguard Brokerage 1099 Available

Mine is still not available.

However, mine is somewhat complicated. Inherited transfer of shares from 3 different prior brokerages.

So I won't start complaining....Yet.... :wink:
by Crow Hunter
Thu Feb 26, 2015 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 38
Views: 2310

Re: Guns for hunting/defense

Hunting: My trusty Benelli M1 (12 ga) that I have had for 10+years. Never fails to feed and very seldom miss a bird as long as I am mindful of the "Benelli click". I really like the Benelli because I DO NOT move with the gun loaded and the fact that I can just take the loaded round out as ...
by Crow Hunter
Thu Feb 26, 2015 9:09 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 126
Views: 6617

Re: Guns for hunting/defense

Good grief, agree ! Let's forget the politics and get back on track. What about me? Wrist/hand impairment makes 9mm semi-auto pistol (the Glock I craved) impossible. But the 5-shot revolver worries me if I get in a situation where I have to fire all 5 and re-load. For someone like me who lacks manu...
by Crow Hunter
Wed Feb 25, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 126
Views: 6617

Re: Why does Vanguard sell anything other than SP500 Index f

Looking at performance table from Vanguard, it is obvious that only SP500 index fund outperforms others over long term. Many of bogleheads are for buy and hold index philosophy. https://investor.vanguard.com/mutual-funds/vanguard-mutual-funds-list#tab=yearly --My question is why do bogleheads buy a...
by Crow Hunter
Wed Feb 25, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1843

Re: Vanguard Brokerage 1099 Available

Mine isn't.

:annoyed
by Crow Hunter
Wed Feb 25, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 38
Views: 2310

Re: Dollar Cost Averaging vrs lumpsum investment

Assuming this is going into a taxable account you really don't have a downside to lump sum IMHO. If you put it all in and the market drops, you Tax Loss Harvest and "reset" the cost basis to the new lower market value and capture the tax loss to use on your taxes. If it drops again, TLH ag...
by Crow Hunter
Wed Feb 25, 2015 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging vrs lumpsum investment
Replies: 11
Views: 752

Re: What % of your gross income do you spend on mortgage/ren

Off the cuff (I don't remember what my wife makes exactly):

3.9% of gross W-2 Income not counting insurance or taxes.

Probably around ~4.5 or so if I counted those.

Small house (~1,450 sq ft) in a low cost of living area. Wife and I are professional DINKS.
by Crow Hunter
Mon Feb 23, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8706

Re: how best to supplement heat with heat pump

Something must be wrong somewhere. I just bought a new Lennox heat pump unit in November. It is a 7.7 HSPF unit and the "emergency" heat strips have only come on a few times when the temperature has dropped below 10 degrees. Even at that, they didn't stay on for a long period of time, they...
by Crow Hunter
Mon Feb 23, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 2413

Re: Cost basis info preserved with in-kind transfer?

I am currently wrangling with Vanguard right now about cost basis on transfers and mine is really, really simple. Mine were inherited and for some reason 1/2 of them have the correct basis and the other half do not... :? My last communication with Vanguard was that it was my responsibility to get wi...
by Crow Hunter
Mon Feb 23, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost basis info preserved with in-kind transfer?
Replies: 10
Views: 579

Re: What video games are you currently playing?

WOT on Xbox 360 with friends. Sherman Jumbo and Hellcat are my favorites. Also a Dead Island solo campaign when I don't have friends online to play with. I have Dragon Age: Origins, Deadspace 3, and Kingdoms of Amalur waiting to be played and I have Bioshock Infinite, Diablo 3 (the expansion) and XC...
by Crow Hunter
Fri Feb 20, 2015 1:52 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 156
Views: 8593

Re: Genealogy

It helps if you have a somewhat unique surname. I have that on my Father's side and have traced it to 1660's Jamestown and England prior to. Unfortunately, even having a unique surname can make it difficult when families pass down family names. Do you know how many George, James, Nathaniel, Williams...
by Crow Hunter
Thu Feb 19, 2015 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3087

Re: Should I Quit My Job

I don't have any first hand experience but my first cousin joined at 34, currently 42. Made it through Basic and was assigned to the Infantry. Got his Ranger tab on his 2nd try. He said it was hard, but he was very proud to have done it. He has served 2 tours in Iraq and one in Afghanistan. Currentl...
by Crow Hunter
Thu Feb 19, 2015 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 6325

Re: How do you rent new release movies?

Stream it on Xbox video or rent it from an honest to God local movie rental store. Usually though, we wait long after they are "new releases" because we have a huge list of movies that we want to watch and haven't even gotten to yet. That is actually why we still go to the local DVD rental...
by Crow Hunter
Fri Feb 13, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: How do you rent new release movies?
Replies: 20
Views: 1270

Re: How to make this fair: gifting to kids with different me

I think it depends. :D In my own situation, I am kid A and my brother is B. My brother is "B" because of consistently poor decisions and choices contrary to all advice from myself and my parents. My Father used to say that "money burns holes in his pockets". My parents always spl...
by Crow Hunter
Tue Feb 10, 2015 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 8894

Re: Newer washing machine freaks out dog

Actually it does help, Crow Hunter. I appreciate the data point. Glad to help. :D When ours is actually washing it sounds a lot like GERRRRRRROWL-swish, GERRRRRROWL-swish where the grind/growl is much more distinct and the swish is a much quieter broom across a concrete floor sound. There is a very...
by Crow Hunter
Thu Feb 05, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 2950

Re: Social Security "Death benefit"

This is interesting (especially given that something similar is being reported in another thread right now). Do you know what her normal monthly check amount was? Also, how old was she? And was she still working? IIRC it was somewhere around $1,143. That number sticks out in my mind. I took care of...
by Crow Hunter
Thu Feb 05, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security "Death benefit"
Replies: 9
Views: 1433

Re: Newer washing machine freaks out dog

We don't have an inside dog to bother, but we have owned a Cabrio top loading washer for 7 or 8 years. (I don't have a clue what the model number is) It has always made a growling/grinding noise during agitation. I first thought there was something wrong with ours. When it goes into spin cycle it ha...
by Crow Hunter
Thu Feb 05, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 2950

Re: Why no talk about investing in Timber?

I have been investing in timber since 2005'ish via actual land purchases. It is a pain. Storms come through and knock down trees. Bugs kill the trees that the wind didn't knock down. You have to pay taxes on it whether you make anything on it or not. It is a very long term investment. I have owned o...
by Crow Hunter
Wed Feb 04, 2015 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1294

Re: Vanguard Frequent trading policy

In my opinion, Vanguard's "Frequent Trading Policy" is quite clear. As is clear, both in Vanguard's policy and multiple posts here, purchases within 60 days of Mutual Funds are allowed - and can be done, without restriction, by US Mail using postage free envelopes from Vanguard. I hope no...
by Crow Hunter
Wed Feb 04, 2015 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3534

Re: Vanguard Frequent trading policy

I'm not sure if VWIUX falls under the frequent trading restrictions, but I've taken some out to both rebalance and for a couple large purchases, but they've let me purchase more almost immediately with both automatic purchases (I do two $500 auto purchases a month) as well as one-time one off purch...
by Crow Hunter
Tue Feb 03, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3534

Re: Should I look into refinancing?

I would contact your current loan servicer and see if they have a simplified or fast track refinance to keep from losing you as a customer and also contact at least one local bank/credit union and see. They should be able to give you a good estimate on what the closing costs will be and if you see i...
by Crow Hunter
Tue Feb 03, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I look into refinancing?
Replies: 4
Views: 601

Re: Vanguard Frequent trading policy

I wanted to rebalanced my account in Jan. Which Vanguard does in it's own accounts and encourages you to do in your accounts. In the process of doing this I moved some funds from Total Bond Fund to International Stock fund. Vanguard put a 60 day hold on my Total Bond Fund account for 60 days "...
by Crow Hunter
Tue Feb 03, 2015 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3534

Re: Taking a giant pay cut - what steps to take?

I'd say bathroom remodel is on hold. If the bathroom isn't functional and you only have one then spend the least you have to for it to be functional. Given that it's very possible oil prices will remain low for years and the cost cutting in the industry hasn't even really kicked in yet I would stop...
by Crow Hunter
Tue Feb 03, 2015 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking a giant pay cut - what steps to take?
Replies: 26
Views: 2841

Re: Social Security "Death benefit"

Not enough information to guess at why they sent you a check for that amount (like your ages and were you previously collecting benefits?). But if I was you I would just forget about it as far as your taxes go. I think the odds of ever being confronted by the IRS about it are pretty slim and even i...
by Crow Hunter
Mon Feb 02, 2015 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security "Death benefit"
Replies: 9
Views: 1433

Re: What age did you become financially independent of paren

Technically I am still "dependent" since I receive distributions from inherited IRAs. If the definition of dependent is "could get by without help" that would have been around 24 or so after graduating college and getting a job although I lived at home, without paying "rent&...
by Crow Hunter
Mon Feb 02, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4643

Social Security "Death benefit"

My Mother passed away in 2014. After she passed away I sent in a request for her death benefit. A few months later Social Security sent my brother and myself $567 along with a note that basically said "This is what we are going to give you, you can ask for more but if you do, we will probably g...
by Crow Hunter
Mon Feb 02, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security "Death benefit"
Replies: 9
Views: 1433

Re: Any other investors with 70/30 portfolio?

I am 41 and I am roughly there target wise. (Actual is 66.9 /33.1)

I am Age-10 in bonds and intend to creep that target up n+1 until I hit 40/60 (assuming I live that long).
by Crow Hunter
Fri Jan 30, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 40
Views: 3372

Cash out refinance question, what would you do?

Current situation (only debt): Home loan ~$89,000 principal balance and 26 yrs left on a 30 yr mortgage @ 4.5% value ~$150,000 +/- $10.000. Land loan ~$104,000 principal balance and 11 yrs left on a 15 yr mortgage @ 4.1% With the recent drop in interest rates I investigated doing a refinance. I can ...
by Crow Hunter
Fri Jan 30, 2015 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash out refinance question, what would you do?
Replies: 2
Views: 243

Re: Why not a 2 fund portfolio like Bogle suggests

A 2 fund portfolio makes assumptions that I am not willing to make. It assumes that: -Apple will always beat Samsung. -Ford will always beat Toyota -GE will always beat Siemens I don't make that assumption. The next paradigm shifting product/technology may not come from a US company. It might come ...
by Crow Hunter
Thu Jan 29, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3995

Re: Why not a 2 fund portfolio like Bogle suggests

A 2 fund portfolio makes assumptions that I am not willing to make. It assumes that: -Apple will always beat Samsung. -Ford will always beat Toyota -GE will always beat Siemens I don't make that assumption. The next paradigm shifting product/technology may not come from a US company. It might come f...
by Crow Hunter
Thu Jan 29, 2015 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3995

Re: What age did you move out?

I didn't "move out" until I got married. While I was in college I lived at home for the first 2 years and attended a local university. I transferred to a larger state school in another part of the state and the final 4 years I lived in the dorms but spent most weekends and breaks at home. ...
by Crow Hunter
Wed Jan 28, 2015 10:14 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5145

Re: Financial Considerations for Infertility Treatments

One thing to check into is if the diagnostic testing is covered by insurance.

With my wife's insurance they covered all the testing to determine what the problem was but they would not cover actual fertility treatments. That still helped a lot.

Good luck.
by Crow Hunter
Tue Jan 27, 2015 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1772

Re: Do you respond to recruiters contacting you?

I always respond and thank them for their consideration and let them know my requirements for seeking another job which are fairly restrictive. I am really only open to moving to a very specific part of the country to be closer to my wife's family and really only open to that if my wife can find emp...
by Crow Hunter
Tue Jan 27, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2051

Re: Any care required for gold coin?

Thanks all for the helpful responses. I'll look into getting a cheap durable case to switch it into next time I visit the safe deposit box. Was glad too to hear that others have passed down gold coins as keepsakes and have enjoyed them for sentimental as well as financial reasons. I don't plan to a...
by Crow Hunter
Wed Jan 21, 2015 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 887

Re: Any care required for gold coin?

While I don't have any personal experience with this, I have heard that those PVC sleeves are the worst thing you can store them in according to what I read incidentally while researching what I wanted to get. I have mine out where I can get to them and play with them. :D The AGEs have both copper a...
by Crow Hunter
Wed Jan 21, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 887

Re: VFWAX, VTIAX AND TLH

I'm considering a TLH from VTIAX into VFWAX. While not massive, the tax loss would be useful. Has anyone done that recently? Shawcroft I did a Hobbit's Holiday with it. (There and Back Again.) :D I got enough out of doing it to wipe out all of my capital gains this year plus enough for $3,000 off m...
by Crow Hunter
Thu Jan 15, 2015 8:17 am
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 1740

Re: 401k past employer should i roll over to ira or new 401k

You cannot roll the 401k into a Roth. ETA: While you cannot do a "roll over", you can do a Roth Conversion but you will owe income taxes on the conversion although you could avoid the 10% penalty for being less than 59.5 doing it this way. http://www.bogleheads.org/wiki/Roth_IRA_conversio...
by Crow Hunter
Wed Jan 14, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k past employer should i roll over to ira or new 401k
Replies: 1
Views: 179

Re: How to handle defaulted debts and current student loans?

Yeah that's why I started looking elsewhere. Right now, I feel like accounting will be my best option for me now. This is because I grew up in a family where work was first and I don't want that for my son. Sure I would love to make more money but not at the expense of family time. All of the accou...
by Crow Hunter
Tue Jan 13, 2015 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2734
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