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Re: Any Bird Experts?

We had an issue with barn swallows trying to build nests on our front porch. If they didn't leave huge piles of poop on the steps I would not have minded them being there. My wife hung an Angry Birds (oh the irony) wind chime up that has a pig head on it. She turned it so the pig was looking at the ...
by Crow Hunter
Thu Nov 20, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 1446

Re: Gold And Silver As A Currency Hedge?

Does silver have any real use except for high-priced cutlery etc. Silver mining helped the Spanish maintain the dominance of the New World often at the expense of the indigenous population. Yes. https://www.silverinstitute.org/site/silver-in-industry/ One of the most interesting properties is the a...
by Crow Hunter
Tue Nov 18, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9166

Re: Investment interest expense and muni bonds

IRS Pub 550 might help: http://www.irs.gov/publications/p550/ch03.html If you borrow money to buy property you hold for investment, the interest you pay is investment interest. You can deduct investment interest subject to the limit discussed later. However, you cannot deduct interest you incurred ...
by Crow Hunter
Tue Nov 18, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 7
Views: 821

Re: Investment interest expense and muni bonds

Hi, I see nobody has answered you so I'll chime in. Let's see if responding brings your question up to the top again. Here are my more general comments: Borrowing money for the purpose of investing is not a Boglehead protocol. http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy I ...
by Crow Hunter
Tue Nov 18, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 7
Views: 821

Re: Gold And Silver As A Currency Hedge?

The assertion that gold has been "eternal money" is a trope that often evolves into exaggeration. "100,000 years"? Please, there's no evidence at all that human beings used any sort of exchange media before the dawn of settled agriculture around 10,000 years ago. At that point, ...
by Crow Hunter
Mon Nov 17, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9166

Re: How Not to Retire

He has given us something to discuss and think about. For that we should be thankful. He is also still alive. My folks were dead at his age. Perhaps his next article will be a wonderful celebration of the joys of being alive. This +1000. My Father never got to travel to Europe or even fly in a plan...
by Crow Hunter
Mon Nov 17, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6880

Re: Does anyone here make "fun" purchases.

There is no way that I would pay $5,000 for a set of curtains. :shock: However, it is unlikely that you and I have the same tastes in "fun". You probably wouldn't pay $680 for a new Inox Beretta 92 Compact or ~$1,200 for a gold coin. (Both things I am contemplating now) Neither one of us r...
by Crow Hunter
Fri Nov 14, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6357

Re: Not qualified for my job - what to do?

Is this a "I have a degree in English and experience writing magazine articles for Cosmo and I was hired by NASA to design a Mars Lander from scratch." Or is this a "I have a degree in Mechanical Engineering and experience designing HVAC systems and I was hired by a Civil Engineering ...
by Crow Hunter
Fri Nov 14, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4694

Re: Question about my first tax loss harvest

I decided to let it sit as cash in my bank account instead of finding a different fund. So I take it subsequent sells don't trigger a wash sale. That's a relief. Although I also forgot that even if it were a wash, it only washes the amount of the wash sale, not the entire transaction (thanks rkhusk...
by Crow Hunter
Thu Nov 13, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about my first tax loss harvest
Replies: 6
Views: 307

Re: Bogleheads, tell me about your 40's?

Fresh into my 40's. Have chosen to not have kids and do not regret one iota. You're not required to have kids. I now understand "midlife crisis" and now see how dumb I was making fun of those people when I was in my 20s'. Your mind still thinks it's 20 but your body loudly protests. I get...
by Crow Hunter
Thu Nov 13, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 91
Views: 11607

Re: Dealing with pressure for "social donations" at work

To me, it depends on what the pay/bonus differential between you and the lower paid employees are. I know of a local company where the rank and file got a $500 "bonus" while the managers got $150,000 up to a $1,000,000+ bonuses. In that type of a situation, I would be much more apt to be g...
by Crow Hunter
Thu Nov 13, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 163
Views: 7906

Re: Very heavy

A Japanese Type 99 Machine gun? Firing or deactivated? WWII bring back? Yes. Assumed firing, but we had no ammo. If we had, we would have used it. 3rd grade boys are crazy. Yes. Todd's father brought it back. GIs brought back the most amazing items. We did not play with it much as it was way too he...
by Crow Hunter
Thu Nov 13, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3825

Re: Obligation to Parents?

I come from an Asian background and my husband is white. My parents were frugal and managed to save up over a million for retirement on a blue collar salary. So yes, you could say there were responsible. However, due to my sibling basically defrauding them of all their money, and then some serious ...
by Crow Hunter
Thu Nov 13, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 3689

Re: Question about my first tax loss harvest

Make sure you have your dividends on that .156 shares set to go into a sweep account and not to reinvest.

Otherwise you will trigger a wash sale when VTIAX pays a dividend in December.

I just did the same thing earlier this week.
by Crow Hunter
Thu Nov 13, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about my first tax loss harvest
Replies: 6
Views: 307

Re: Obligation to Parents?

Considering I lost my Father 10 years ago at 62 and my Mother this May at 68, I would give all my money to have them back. My wife's parents are similar to your in-laws. They don't have much by way of retirement savings and are facing a serious health issue of their own now. I am willing to support ...
by Crow Hunter
Thu Nov 13, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 3689

Re: Your favorite classic toys for kids

Daisy air rifle. Cut the safety bar out of the muzzle so you could jam more dirt into it. One my friends in 3rd grade had one of these http://media.liveauctiongroup.net/i/13481/13750939_1.jpg?v=8CF4A609C571D80 A Japanese Type 99 Machine gun? Wow! Firing or deactivated? WWII bring back? My best frie...
by Crow Hunter
Thu Nov 13, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3825

Re: Your favorite classic toys for kids

Nothing fancy..... ....Chutes & Ladders, Go To The Head of the Class, Monopoly....and as a very young kid I had a pull toy of a basett hound that went up and down when you pulled it...and how could you forget the slinky...plus every kid in the Bronx had a Spauldeen and a bag of marbles! Life wa...
by Crow Hunter
Wed Nov 12, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3825

Re: Your favorite classic toys for kids

#2 - Plastic toy soldiers/farm animals/dinosaurs/knights (often played with in item #1) Before there were plastic figures there were cast lead figures. Some of these were home made. Try that today. Actually, as I got older, I got into MechWarrior/Battle Tech and I have quite a few of the (pre pewte...
by Crow Hunter
Wed Nov 12, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3825

Re: Your favorite classic toys for kids

#1 - Sand pile - My Dad went down to the creek with a shovel and bucket and hauled it back and put it under a big oak tree in the back yard. We played in this for hours and hours and hours. #2 - Plastic toy soldiers/farm animals/dinosaurs/knights (often played with in item #1) #3 - Lincoln logs and ...
by Crow Hunter
Wed Nov 12, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3825

Re: Your car(s) are equal to how many months income

Wow. I feel like a spendthrift compared to you guys. :D My 2 vehicles add up to 4.9 months. 2010 Corolla with 78,000 miles and a 2011 Chevrolet 4WD Extended Cab Work truck with 21,000 miles. The good news, according to KBB is that the work truck is still worth nearly what I paid for it new. (I pract...
by Crow Hunter
Wed Nov 12, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5987

Investment interest expense and muni bonds

I may have inadvertently made a tax mistake. In doing some research not directly related to muni bonds I have discovered that you cannot deduct investment interest expenses if you are "carrying" muni bonds. The definitions of "carrying" are honestly a little murky. I was not awar...
by Crow Hunter
Mon Nov 10, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 7
Views: 821

Re: War on Debt

<snip> As for the cars. I looked deeper into my lease contract and my wife's uncle snipped off over $2k for the buyout price at the end of the lease, I verified this on Edmunds.com; so it looks like we got a good deal if choose to buy it as a certified used car with a two year loan. If that car is ...
by Crow Hunter
Mon Nov 10, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25463

Re: Talk me into/out of Tax Lost Harvesting

cap gain losses not only net out cap gains, but also cap gain distributions. keep in mind that you can only take $3K of cap losses a year, so if you only have $3K of gain right now, only sell $6K loss worth ($3K to net out the gain and then another $3K to get the loss). another thing to note, is th...
by Crow Hunter
Mon Nov 10, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me into/out of Tax Lost Harvesting
Replies: 14
Views: 868

Re: Talk me into/out of Tax Lost Harvesting

A bit off-topic, but reading these five posts I FINALLY think I understand tax loss harvesting. For some reason the wiki and many other threads just left me confused and vaguely anxious that I wasn't doing whatever tax loss harvesting was. Not sure what that says about how my brain works, but there...
by Crow Hunter
Mon Nov 10, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me into/out of Tax Lost Harvesting
Replies: 14
Views: 868

Re: Talk me into/out of Tax Lost Harvesting

Okay. You guys have almost convinced me to do it. I have checked and I have no purchases of VTIAX (other than what I am selling) since September. I will exchange from VTIAX into VFWAX. I will hold it until at least 12/12/14. At that time I may or may not switch back to VTIAX either using the write i...
by Crow Hunter
Mon Nov 10, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me into/out of Tax Lost Harvesting
Replies: 14
Views: 868

Talk me into/out of Tax Lost Harvesting

I have read the wiki as well as lots of posts here about TLH and quizzed Livesoft several times. However, I am still not convinced it is the best thing to do. The thought of selling something that has gone down in value is very antithetical to my mindset but I know that I am often not right about th...
by Crow Hunter
Mon Nov 10, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk me into/out of Tax Lost Harvesting
Replies: 14
Views: 868

Re: War on Debt

Some ideas from my own life: -I don't know if this is even possible anymore but 10 or so years ago I consolidated my wife's student loans with a single provider. At the time Key Bank was offering a deal if you consolidated with them. The deal was a .25% reduction in interest rates for direct debit a...
by Crow Hunter
Fri Nov 07, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25463

Re: What To Do With $85K Inheritance?

Personally, I don't count bonuses until they are hatched just like I wouldn't count an inheritance until I received it. I can get a fairly sizeable bonus in my current employment. If sales are really good and cost reductions go well and the owners decide to share a profit. Sometimes though, I might ...
by Crow Hunter
Thu Nov 06, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do With $85K Inheritance?
Replies: 46
Views: 2804

Re: Tough spot, decided to lease a car

My wife did not used to have a concept of why I was so "tight". She always thought we had "plenty of money" and I was just being "cheap". So I showed her in an Excel spreadsheet what I was trying to do. How us putting $X/year into Roths/401k/taxable accounts would get u...
by Crow Hunter
Thu Nov 06, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13855

Re: Tough spot, decided to lease a car

Just out of curiosity, is this the Camshaft issue you are talking about or a different one? http://www.toyotapart.com/BRIEF_ENGINE_KNOCK_RATTLE_NOISE_AT_COLD_STARTUP_T-SB-0087-09.pdf This is the only camshaft related TSB that I could find on the 2009-2010 Matrix/Corolla. I hope you didn't get rid of...
by Crow Hunter
Wed Nov 05, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13855

Re: Tough spot, decided to lease a car

What do you do with your job that "requires" you to have a smart phone? I have seen several people on other forums that have said this. I have yet to have anyone explain to me why it is needed for their particular job. Yes, it is convenient. Yes it gives people something to do in the bathr...
by Crow Hunter
Wed Nov 05, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13855

Re: Tough spot, decided to lease a car

You have had a spate of bad luck. But that doesn't justify bad decisions. My comments in bold. Some of you are right. I am probably ranting a bit and not really taking advice into consideration and I do apologize for it. All of these setbacks may have clouded my judgement. The truth is I am leading ...
by Crow Hunter
Tue Nov 04, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13855

Re: Should I consider moving closer to work?

I have had 3 jobs in my professional working life. One was a 45 min commute, one was a 30 min commute, and the current is a 25 min commute. I liked where I lived on the 45 min commute WAY more than the other two and given my druthers would pick that. I would go with staying where I preferred to live...
by Crow Hunter
Sat Nov 01, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Should I consider moving closer to work?
Replies: 37
Views: 2560

Re: Possibility of financial markets breakdown / transformat

IMHO here, like most places, diversification is an asset. Do a little of everything. -Have some emergency cash to tide you over if you can no longer get money from a bank or use credit cards -Have some precious metals that might help you "get out of dodge" if you need to (bribes) -Have a m...
by Crow Hunter
Sat Nov 01, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Possibility of financial markets breakdown / transformation?
Replies: 16
Views: 1802

Re: Heat pump question

I am in North West TN. Even with the Bootheel of MO. We are in climate zone 3, according to this map: http://www.energyvanguard.com/knowledge/us-climate-zones/ It does not normally stay below freezing during the winter for more than a week at a time. There are no natural gas lines in my part of the ...
by Crow Hunter
Fri Oct 31, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3291

Re: Heat pump question

Thanks for all the replies! I know it isn't the capacitor. That is the "jump starter" for the heat exchanger and the compressor. I actually had a problem with that 2 or 3 years ago and replaced it with a slightly larger one and it hasn't been a problem since. So far anyway. :| The service ...
by Crow Hunter
Fri Oct 31, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3291

Re: Heat pump question

Back to OP's question. We had our heatpump system (outside unit and air handler) replaced two years ago. The previous one was over 10 (outside) and over 30 (airhandler). We installed a two stage outside unit with variable speed air handler. In addition to lowering our running cost, the system is mu...
by Crow Hunter
Thu Oct 30, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3291

Re: Heat pump question

It's time to a least think about a replacement system. Sounds like it might be a very inefficient system even when running. You could probably contact the manufacturer with your model and serial number and find out more about its efficiency. R22 refrigerant went out many years ago and is extremely ...
by Crow Hunter
Thu Oct 30, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3291

Re: Heat pump question

I'm not a HVAC engineer, but have a chemical engineering background and have had a ground source heat pump. When you are saying 'heat strips' are you talking about the resistance heat? If so, it sounds like the heat pump is not working at all. Could be low freon (leak) or the compressor might be ba...
by Crow Hunter
Thu Oct 30, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3291

Re: A Little Common Core Math problem

I am impressed that they are teaching math at that high a level in 4th grade. I don't remember solving algebra equations until much later in life. I agree with The Wizard, multiple choice isn't a very good way to evaluate whether or not you learned something. It is a good way to evaluate if you are ...
by Crow Hunter
Thu Oct 30, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2689

Heat pump question

I think I am going to have to replace my heat pump, but before I do so, I want to get some information from people who have more experience with them. Prior to owning this house, I have never lived in a house that has an air source heat pump. Example: -Thermostat set to 67 degrees -Temperature drops...
by Crow Hunter
Thu Oct 30, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3291

Re: How do you wash your car?

Poll results are rather startling. So far, overwhelming majority of those who voted say they rarely/never get car washed. Seems strange to me that bogleheads would be so, er, irresponsible, regarding such an expensive item. :shock: The expense in the item is the ability to transport me, my family o...
by Crow Hunter
Fri Oct 24, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7081

Re: How often do you change your car's oil?

Every ~5000 miles or earlier if the oil looks especially dirty using non-synthetic. I have been known to go longer if the oil looks fairly clean. Years ago I used to just change it when it didn't really look like oil anymore. :D Personally, I think in most modern engines you are going to break somet...
by Crow Hunter
Fri Oct 24, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 10936

Re: Smart people, please help us (agriculture exemption)

Cows will not eat all your grass so you don't have to mow, unless you are starving them to the point that they will eat anything. And at that point they will go through the fences and your 3 acre neighbors will be highly unhappy with you. Even if you have 10 acres you don't have enough to keep cows...
by Crow Hunter
Wed Oct 22, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Smart people, please help us (agriculture exemption)
Replies: 21
Views: 1307

Re: "I've had it" at work - how often

placeholder wrote:Nobody can force you to work 60 hours a week so if that's a major source of unhappiness and you're thinking of leaving anyway just start working 40 and tell them that's the way it is and see how it goes.


I have been doing this from the time I started working at my new company. It works.
by Crow Hunter
Tue Oct 21, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12633

Re: What is the best way to sell guns and get the best price

It depends on the type and the desirability of the guns. If they are just run of the mill extremely common rifles/shotguns, your best bet would be to sell locally via classifieds. Honestly, you probably won't get enough of a premium selling them to waste your time and might be better off taking it t...
by Crow Hunter
Tue Oct 21, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1120

Re: How do you wash your car?

...................To answer the question regarding never wash / wax the car: bird dropping, saps, etc erodes the clear coat. You'll have more chance of clear-coat peeling off if there's no wax on the it and those elements are never removed. If you don't care about the appearances, then I guess it ...
by Crow Hunter
Mon Oct 20, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7081

Re: How do you wash your car?

I rarely wash it. Maybe once or twice a year when my wife will start washing them and I feel guilty so I go and help. If she doesn't start washing I won't. :twisted: Now I keep in interior immaculate but I could really care less about the exterior. As soon as I wash it, it will get dirty again. I ha...
by Crow Hunter
Mon Oct 20, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7081

Re: "I've had it" at work - how often

I am 41 and I have been in engineering for 17 years. 7 years for my current employers. I occasionally have that feeling, maybe 1 or 2 times a year. Usually it is while I am dealing with Marketing. (Think 7 Red lines) :D My current job is stimulating (lots of creative and testing time) job and I only...
by Crow Hunter
Mon Oct 20, 2014 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12633

Hypothetical TLH question

Can you get into a wash sale issue if say on the 15th of a month you TLH a S&P 500 Index fund in your taxable account with fund company A but on the last day of the month you make an automatic 401k contribution to your 401k that happens to have a S&P 500 Index fund at fund company B. Wouldn'...
by Crow Hunter
Fri Oct 17, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Hypothetical TLH question
Replies: 2
Views: 255
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