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Re: LED Flashlights

If you just want something to get around the house after the power goes out, just get a crank light. You never have to worry about the batteries and it is more than bright enough to navigate around the house. That is what we have next to the bed for when we lose power in storms. Now for the bump in ...
by Crow Hunter
Wed Oct 01, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 30
Views: 1251

Re: LED Flashlights

I personally like Surefire. I have 4 or 5 of the 6P LEDs and I have a couple of their X300 weapon lights and a small single cell one on a pocket clip that I carry with me all the time. I have never managed to break one. They can be on the expensive side though. Their G series lights have plastic ins...
by Crow Hunter
Wed Oct 01, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 30
Views: 1251

Re: When should someone "not stay the course"?

InvestorNewb wrote:Thanks for the replies. I bought more international today with the dividends that were paid out yesterday.


Good!

Me too.
by Crow Hunter
Wed Oct 01, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2430

Re: Should I include this in my net worth?

Man, I so wish I had gone with a government job sometimes.

I think that is darn near all the vacation that I have ever taken since I have started working.

I am so jealous. :D
by Crow Hunter
Wed Oct 01, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 28
Views: 1658

Re: Buying more when markets are down

I had the same question last week. I had a dividend from my Total International that was sitting in my sweep account.

I waited until today, my normal investment day per my IPS and combined it with my other dividends that are paid on the last day of the month.

I am happy I waited. :twisted:
by Crow Hunter
Wed Oct 01, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 51
Views: 2779

Re: When should someone "not stay the course"?

Or you could be like me and invest quite a bit lump sum at almost the yearly high and then watch it drop like a rock. I am down $8,000 to date. I am just hoping it stays down through tomorrow when it is time to buy more. :mrgreen: I have been investing in International since I started investing in 1...
by Crow Hunter
Tue Sep 30, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2430

Re: Vanguard: "Don't let debt delay or derail your retiremen

I think this is a good article for entry level savers or people who aren't really interested in their retirement savings versus most Bogleheads. I am sorry that some people find it insulting but listening to my wife on a daily basis (she is an HR manager) and hearing what people come to her about an...
by Crow Hunter
Tue Sep 30, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2148

Re: Bogleheads, help me be less afraid of international stoc

Also, keep in mind, that as an index as those things you are afraid of come to pass and other countries gain more value they will surpass the countries that aren't doing so well. I hope that just like there is a chance that 2 or 3 stocks in the Total Market Index fund (Like Google and Apple) are goi...
by Crow Hunter
Tue Sep 30, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 39
Views: 2062

Re: Lakefront property with small children?

My neighbor has an eight year old and a 3 year old. My neighbor across the lake has 3 kids (I don't remember their ages but none over 8). I grew up on a farm and around farms with stock ponds. As odd as this sounds there is a difference between a pool and a lake. Kids will be attracted to a pool bec...
by Crow Hunter
Tue Sep 30, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 1911

Re: Maybe going back to cash isn't such a bad idea

Not using a credit card isn't going to help you.

I just got a letter in a couple of weeks ago that said my doctor's office was hit by Chinese hackers but "they didn't think" that it would be a problem but they provided free credit monitoring for a year.
by Crow Hunter
Tue Sep 30, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Maybe going back to cash isn't such a bad idea
Replies: 18
Views: 1963

Re: How can I stop feeling depressed about my finances?

I've read a paper about the Facebook depression . People report on Facebook the best parts of their lives. When you read about the best parts of many people's lives, you tend to think that everybody has a better life than you do. Understanding how Facebook works does not help dealing with the Faceb...
by Crow Hunter
Tue Sep 30, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6127

Re: How can I stop feeling depressed about my finances?

If it makes you feel any better.

Seeing all these responses of people who are making 2X what I am or more and I DO have a STEM degree kind of makes me depressed too. :|

:sharebeer
by Crow Hunter
Mon Sep 29, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6127

Re: How can I stop feeling depressed about my finances?

You must live in a HCOL area. I have a STEM degree and 15+ years experience and I don't make 2X what you are making now. What you are making right now is a very good salary where I live. Remember, "it's not what you make; it's what you keep." People who make a lot more than you do often en...
by Crow Hunter
Mon Sep 29, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6127

Re: Need advice on investment with loaned money

HomerJ wrote:
trueblueky wrote:What is the interest rate on the loan?


Until we know this, it's impossible to give you any advice.


Not only that but also loans at less than market rates (most often from family) can have some tax consequences which at that $ amount may draw the eye of the IRS.
by Crow Hunter
Mon Sep 29, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on investment with loaned money
Replies: 12
Views: 836

Re: R u selling PIMCO bond fund

I actually did earlier in the year. I did it because I was reorganizing my AA because of inherited assets but I specifically went out of my way to avoid using PTTRX. Right now I only invest in our pitiful S&P Index fund in my 401k and just rebalance in my Vanguard accounts to keep my AA. I would...
by Crow Hunter
Mon Sep 29, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 19
Views: 1791

Re: Starting a railroad career

My brother and several friends were/are working for CSX both as engineers and as conductor/brakemen. Before they could be hired they had to pay out of pocket (~$5,000) for training in Atlanta (near Peachtree City) for 2-3 months. If they went on and were hired, they were reimbursed. If not, they wer...
by Crow Hunter
Mon Sep 29, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1589

Re: What did you always wish for but never got?

I actually can't remember not getting anything that I really, really wanted but I also didn't really want much and nothing that was really expensive. I was even frugal in asking for gifts as a child. However, my Mother had the ability of getting me things that I never knew that I wanted. I remember ...
by Crow Hunter
Fri Sep 26, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5067

Re: Unexpected Emergency

In my next life, I'm going to come back as an oral surgeon or dentist....... :moneybag :dollar :moneybag My best friend is a dentist. She hates it. The part that bothers her the most is the fact that everyone hates her. No one likes their dentist. I would definitely look at the possibility of havin...
by Crow Hunter
Fri Sep 26, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3221

Re: Bill Gross moving from PIMCO to Janus, Monday

Although, as a captive of PTTRX in my deferred benefit plan at work, it would be a blessing if this news tweaked the administrators enough to switch to a better choice, like VBMIX. -- Tet I am in the exact same position. All I have is PTTRX or a Stable Value that is paying less than my checking acc...
by Crow Hunter
Fri Sep 26, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 107
Views: 8303

Re: Buy today or stick to plan?

This is kind of what I was thinking but I wanted to see what the consensus was from the Borg. My God is this the Borg? Yes. The collective wisdom of Bogleheads.org. Shortened by some to BH.org. Shortened further to B.org. Now you see the truth and realize that your resistance is futile. You will be...
by Crow Hunter
Thu Sep 25, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Re: Buy today or stick to plan?

How do you know the market went down today? Bogleheads do not watch the market every day. That's no true Boglehead watches the market every day. I wasn't actually watching the market. I saw a post about "We are all going to die" and saw that the S&P had dropped so out of curiosity I c...
by Crow Hunter
Thu Sep 25, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Re: Unexpected Emergency

I hope you are on the mend and will recover very quickly. Personally, I would do everything I could to keep contributing to my tax advantaged accounts to the maximum because if you don't use it, you can't get it back. Most of the time, it has been my experience that you can negotiate a payment plan ...
by Crow Hunter
Thu Sep 25, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3221

Re: Buy today or stick to plan?

Unfortunately, I got called into a meeting that just let out, so the question is now a moot point. :oops:

Maybe it will be down more tomorrow. :D

But to my secondary question, is it better to just invest it as I get it or hold it and invest once per month in a taxable account?
by Crow Hunter
Thu Sep 25, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Re: Buy today or stick to plan?

The question to be asked. The question to be asked to those planning to buy today because it is down today by nearly 2% --Are you going to feel okay tomorrow if it drops another 2%? I would be. I would feel less good though if I didn't buy today and it went higher when I bought next Wednesday. It i...
by Crow Hunter
Thu Sep 25, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Re: Buy today or stick to plan?

Buy the 750 now and the 500 dollars later. If it goes up between now and then, be glad you contributed the 750 while it was down. If it goes down between now and then, be glad you have the 500 dollars still to invest. Keep in the back of your mind that it really won't affect your long-term strategy...
by Crow Hunter
Thu Sep 25, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Buy today or stick to plan?

My normal plan is that I buy shares in my taxable account per my AA on the first of every month with the accumulated dividends from the previous month to limit the number of cost basis points to keep up with. Right now I am sitting on ~$750 in my sweep account from Quarterly dividends earlier this m...
by Crow Hunter
Thu Sep 25, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Re: POLL: Would you rather work half as long or half as ofte

I'm limited by the Federal Govt as to how much I can work. Currently I work no more than 15 days a month, for full pay. Vacation months, four a year, I work about eight days. I value my time off, and count my blessings that I'm able to be home so much while my kids are still in the house. I voted #...
by Crow Hunter
Thu Sep 25, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 3912

Re: What did you always wish for but never got?

I've always wanted to truly learn to ride horses. I spent my childhood reading every book in the Saddle Club series. At this point in my life, riding lessons are still too expensive, but I'm hoping in a couple more years we'll be able to afford it. Obviously I will never be an Olympic show jumper, ...
by Crow Hunter
Thu Sep 25, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5067

Re: Best place to buy lab cultured/created/synthetic loose g

RobertAlanK wrote:About 3 years ago I ordered a lab grown alexandrite rectangular cut from Geolite http://www.geolite.com/default.htm in Colorado. It was for a ring I was having made and I've been very happy with it.


Thank you!
by Crow Hunter
Wed Sep 24, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place to buy lab cultured/created/synthetic loose gems?
Replies: 2
Views: 315

Best place to buy lab cultured/created/synthetic loose gems?

I have seen some recent posts about lab created/cultured gems in reference to diamond engagement rings. I have always had an interest in jewelry making and I thought I would like to try to make some jewelry for my wife. I don't want to buy really expensive mined gemstones only to make some really ug...
by Crow Hunter
Wed Sep 24, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to buy lab cultured/created/synthetic loose gems?
Replies: 2
Views: 315

Re: Anyone know anything about diamond rings?

From the Boglehead point of view. Diamonds are all priced in tiers. One of the biggest tiers is sizes. A hypothetical identical diamond that is .73 carats will be less expensive than a .76 carat even if everything else is the same and it is impossible to see the difference between the two. Brilliant...
by Crow Hunter
Mon Sep 22, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1868

Re: House broken into--please help

Another thing to keep in mind is that they will likely strike again if they get away with it this time. They will return after they believe the stuff has been replaced by insurance, remember they aren't that bright. Several of the people that I work with have been hit 2 and 3 times. Eventually thei...
by Crow Hunter
Fri Sep 19, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2338

Re: AliBaba

I heard about the "corporate structure" on NPR the other morning on the way to work. If I am going to own individual shares, I want to own the actual individual shares. That is not what you are going to get with Alibaba. From what little I know about it, it sounds like a company with a ser...
by Crow Hunter
Fri Sep 19, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8180

Re: House broken into--please help

Another thing to keep in mind is that they will likely strike again if they get away with it this time. They will return after they believe the stuff has been replaced by insurance, remember they aren't that bright. Several of the people that I work with have been hit 2 and 3 times. Eventually their...
by Crow Hunter
Fri Sep 19, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2338

Re: A safe full of cash

I can't actually fathom having that much net worth so I don't know what I would do or how to cope with it. But I do keep disaster cash on hand. It is literally labled that in a sealed envelope in the gun safe. I also have a "oh crap bag" that has a hand cranked radio/cell charger, some eme...
by Crow Hunter
Fri Sep 19, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3063

Re: Bond Index Conundrum

Thanks guys! That helps clarify it for me. Follow on question. Does the same logic apply to Total International Bond fund as well? The holdings are largely investment grade Bonds from international government, agency, and lesser from corporate securities (see Overview tab on link). Japan Bonds, for...
by Crow Hunter
Thu Sep 18, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 710

Re: Bond Index Conundrum

Thanks guys! That helps clarify it for me.

Follow on question.

Does the same logic apply to Total International Bond fund as well?
by Crow Hunter
Thu Sep 18, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 710

Bond Index Conundrum

I have read several mentions of this issue on other posts but I haven't been able to find a specific discussion on this issue. But it may be just my inability to use the right search terms to find it. The way I understand it, stock index funds based on market cap give you the largest and what the ma...
by Crow Hunter
Thu Sep 18, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 710

Re: Most cost effective means of protecting physical assets

Back to your original question I have always been taught to look at it in layers. -Good lighting outside the home -Remove hiding places that allow easy access. -Keep your doors locked -Have doors with good 3 point locking hardware with security screws going through the jambs into the wall -Monitored...
by Crow Hunter
Tue Sep 16, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 4002

Re: Any success stories of ppl who never made >$50,000?

I have no idea what my parents actually made per year during their working years. My Mother stopped working in the late 1990's and my Dad offcially retired in 2001. Both of them worked for AT&T for the vast majority of their working careers. He as a lineman and she as a customer service represen...
by Crow Hunter
Tue Sep 16, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10018

Re: Good hobby for a bright/obsessive 9 year old?

You son sounds exactly like me at that age. I was all about video games, AD&D and reading fantasy/sci-fi books. The one thing that I really enjoyed was getting involved in the things and hobbies that my Dad had. Now that my Father is gone, I really relish the time spent with him fishing, hunting...
by Crow Hunter
Tue Sep 16, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3062

Re: Most cost effective means of protecting physical assets

Assessment of risk is so irrational and so easily manipulated by others. People tend to go to extraordinary lengths and expense to protect themselves against extremely rare occurrences (like major theft) while accepting large risks in other aspects of their lives without concern. So for example, we...
by Crow Hunter
Tue Sep 16, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 4002

Re: Most cost effective means of protecting physical assets

In my personal experience, dogs have been much more dangerous to me than firearms. Just as firearms require training, so do dogs. Fwiw, I had an anti pit bull bias until, long story, I rescued one. Sweet as she is, I hired a professional dog trainer to insure that nothing unfortunate would happen; ...
by Crow Hunter
Tue Sep 16, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 4002

Re: Most cost effective means of protecting physical assets

Interesting. In my personal experience, dogs have been much more dangerous to me than firearms. None of the firearms that I have ever owned have attacked me or harmed anyone else. 3 dogs have attacked me without provocation. I would much rather have properly secured firearms than a dog for self defe...
by Crow Hunter
Tue Sep 16, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 4002

Re: Recommend good fantasy (alternative history) book?

Alternative History favorite author of mine is Harry Turtledove. Particularly the Southern Victory series. In this series he proposes that the Confederacy succeeds during the Civil War and what that does to change world history. I really enjoyed the stories and the characters even though I was more ...
by Crow Hunter
Sat Sep 13, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 4
Views: 303

Re: Feeling smug until 10 year ROR from Vanguard

I was 100% stocks with a 50% international until joining this forum. Then I went to a 80/20 50% until a couple of months ago and now I am a 70/30 40%. Any chance your move to overweigh domestic stocks was caused by domestic stocks' recent outperformance of International? If you were asking me, whic...
by Crow Hunter
Sat Sep 13, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7661

Re: Feeling smug until 10 year ROR from Vanguard

It seems the 10 year data is limited to computers. When I looked on my mobile devices, I could only access 5 year data. 10 year, 9.5% w/o cash, 8.3% including cash 5 year, 11.6 w/o cash, 10.4 including cash I hadn't seen this feature before. I was able to get my 10 year returns on my iPad. My retur...
by Crow Hunter
Sat Sep 13, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7661

Re: Feeling smug until 10 year ROR from Vanguard

It seems the 10 year data is limited to computers. When I looked on my mobile devices, I could only access 5 year data. 10 year, 9.5% w/o cash, 8.3% including cash 5 year, 11.6 w/o cash, 10.4 including cash Would you mind posting your AA during those periods? Me: 10 year, 5.5% w/o cash, 5.1% includ...
by Crow Hunter
Sat Sep 13, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7661

Re: Feeling smug until 10 year ROR from Vanguard

Maybe this is only new to me, but just noticed that Vanguard now has personal 10 year Rate of Return. I've been feeling smug during the past couple years with 5 year personal ROR's in the 9-10 % range. Now I see 10 year personal ROR at 5.1%. From memory I will attempt to paraphrase an author (maybe...
by Crow Hunter
Fri Sep 12, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7661

Re: Inverse Convexity of TBM

To me inverse either means opposite (like concavity) or the literal inverse 1/x of something. So maybe it is just a terminology thing. FWIW: 1/x is the multiplicative inverse. -x is the additive inverse. Isn't that what I said? Opposite being the same as saying the opposite of X is -X. Me and termi...
by Crow Hunter
Thu Sep 04, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 583
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