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ER Copay Advice needed

My mother, has had to go to the emergency room via ambulance twice this year. Both times she was taken to the local small rural hospital. The first time she there were no rooms available and she was transferred to a larger regional hospital for treatment via ambulance. The second time she was transf...
by Crow Hunter
Mon Apr 14, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: ER Copay Advice needed
Replies: 2
Views: 273

Re: advice requested from engineers

One thing that I haven't seen mentioned in relation to Biomedical engineering. Make sure that he can stand the smell. I was looking very hard at doing a MS in biomedical engineering, specifically related to hip implants/knee joints R&D. My school had a very well sponsored program via local manuf...
by Crow Hunter
Wed Mar 19, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4411

Re: advice requested from engineers

I was more interested in the Coop/Intern experience of recent grads and just plain experience on those that had been in the work force a while. Thanks for your comments. The above is partly why I'm asking for opinions about the differences between the schools - I know the education will be similar ...
by Crow Hunter
Wed Mar 19, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4411

Re: advice requested from engineers

I can't comment on the PhD track but I can as an engineering hiring manager in an Automotive Tier 1 supplier. (My previous employment) As long as it was an engineering school that was accredited I really didn't care. Being from a "recognized" school just meant that I didn't have to look it...
by Crow Hunter
Wed Mar 19, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4411

Re: Skip IRA for 1 year to buy engagement ring

I am not going to try and tell you what you should spend. That will have to be a personal decision on your part. I know, I was in a similar situation in my late 20's in 1999 and I spent right at $1,500. My now wife, was delighted with it. She also told me if I had gotten her a diamond chip in a silv...
by Crow Hunter
Tue Feb 18, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7264

Re: CFL lifespan problem

I have CFLs in almost every fixture in my house with the exception of the garage door light and the dimmer switch over my kitchen table. All are cheap Wal-mart bulbs. I want instant light when the garage door opens, I will have already tripped on something in the garage before the CFL ever "war...
by Crow Hunter
Tue Jan 07, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: CFL lifespan problem
Replies: 36
Views: 1531

Re: Got my first gold bullion coin!

And +1 to keeping quiet about the coins - you don't want some neighbor kid or relative with a methamphetamine addiction breaking into your house in search of Scrooge McDuck's hoard. In many cases, the thieves don't "search" for the coins. They bring guns & ski masks, and torture/kill ...
by Crow Hunter
Thu Dec 19, 2013 9:21 am
 
Forum: Personal Consumer Issues
Topic: Got my first gold bullion coin!
Replies: 37
Views: 3085

Re: Average Yearly Raises?

5.56%/year since I started as an engineer in 1997. Including the last several years that I have gotten basically nothing and taking a $10k/year pay cut to go to an employer that didn't require me to work 65+ hours per week and be on call 7 days a week 365 days a year to do work that I enjoy more and...
by Crow Hunter
Mon Nov 25, 2013 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5339

Re: How to account for paid for real estate in Asset Allocat

Rather than answer the question, it would help if you answered WHY you asked whether timberland is a bond in the first place. Why did you select BOND and not stock or alternative asset or real estate or cash or "I don't know"? I honestly don't know. In my mind, anyway, it seemed more of a...
by Crow Hunter
Sat Nov 16, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: How to account for paid for real estate in Asset Allocation
Replies: 13
Views: 866

Re: How to account for paid for real estate in Asset Allocat

Well, since it is real estate... :oops: :D Since you can't easily rebalance into or out of this owned real estate, I don't know that I would include it in the AA. Include it in overall net worth, absolutley. I would say you could adjust your AA knowing you own this property to take on more or less ...
by Crow Hunter
Fri Nov 15, 2013 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to account for paid for real estate in Asset Allocation
Replies: 13
Views: 866

How to account for paid for real estate in Asset Allocation

How should I account for paid for real estate in my Asset Allocation?

Does it count as a bond or should it keep it's own asset class?

The real estate in question is undeveloped timberland, so it doesn't create a yearly income as a rental would.
by Crow Hunter
Fri Nov 15, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to account for paid for real estate in Asset Allocation
Replies: 13
Views: 866

Re: Two separate HSAs for me and wife?

I have been trying to find anything that contradicts what ThePrune has posted here and in my thread.

I have not been able to do so, although my companies HR department is still "discussing" it.

I was told by a staff manager that my question sure opened up a can of worms. :D
by Crow Hunter
Wed Nov 13, 2013 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Two separate HSAs for me and wife?
Replies: 5
Views: 515

Re: If you were retired, how would you spend your time?

Go fishing whenever I wanted to. Go hunting whenever I wanted to (in season of course). Get a tractor with a front end loader and move dirt around the farm. Cut ATV trails into the woods and ride around. Play lots of video games. Travel during the week when there aren't other people at the sites I w...
by Crow Hunter
Mon Nov 11, 2013 3:33 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 6530

Re: HSA/FSA Conflict and the IRS Question

Thanks for the response. My HR department says that their interpretation is that as long as my wife does not contribute to the FSA, then we should be good. My biggest concern is the language used. Specifically the word "covered". Similar language is also used in relation to making tax ded...
by Crow Hunter
Mon Nov 11, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA/FSA Conflict and the IRS Question
Replies: 6
Views: 824

Re: HSA/FSA Conflict and the IRS Question

Thanks for the response. My HR department says that their interpretation is that as long as my wife does not contribute to the FSA, then we should be good. My biggest concern is the language used. Specifically the word "covered". Similar language is also used in relation to making tax dedu...
by Crow Hunter
Mon Nov 11, 2013 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA/FSA Conflict and the IRS Question
Replies: 6
Views: 824

Re: Can't deduct all my IRA contributions

If you haven't done so already, consider regular investing in taxable, but efficient mutual funds. Can you elaborate more? I normally try to invest everything in a tax advantaged account that I can, with a priority of 401k>Deductible IRA>Roth IRA with everything else above and beyond that (which is...
by Crow Hunter
Fri Nov 08, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't deduct all my IRA contributions
Replies: 7
Views: 499

Re: Can't deduct all my IRA contributions

This happens all the time....you need to recharacterize the contribution. You can put the excess in a Roth or just take it back. Call Vanguard or whomever you use and they will do it for you. Just tell the 800 number you contributed more than the deductible amount and they will probably transfer yo...
by Crow Hunter
Fri Nov 08, 2013 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't deduct all my IRA contributions
Replies: 7
Views: 499

Can't deduct all my IRA contributions

I have a question. I made a mistake in my calculations earlier this year and/or my wife and myself got bigger raises this year than I calculated. I put $5,000 each (Total $10,000) into our IRAs in March and planned on deducting the whole amount. Based on projected salaried earnings added to our YTD ...
by Crow Hunter
Fri Nov 08, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't deduct all my IRA contributions
Replies: 7
Views: 499

HSA/FSA Conflict and the IRS Question

My company is offering a HSA for 2014, I am very interested but while researching I found what I think is a potential issue. I am not sure, however, that I am reading it right. The way I understand it, if my wife has a "General" FSA available to her that could be used to pay for my medical...
by Crow Hunter
Thu Nov 07, 2013 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA/FSA Conflict and the IRS Question
Replies: 6
Views: 824

Re: How many square feet is your home?

1,450 sq ft around 3 bed/2 bath just myself and my wife. It is a good size, in a beautiful location, but it isn't laid out well. The master bedroom and kitchen are too big and the living area too small. I grew up in a 1,200 sq ft house with my parents and one sibling that was very similar in design,...
by Crow Hunter
Wed Oct 16, 2013 2:05 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10623

Re: Home buyer be warned

Fairly common where I live as well. Around here it is clay mining. As a matter of fact, the home/land that I grew up on had a mineral lease that was signed by my Grandfather in the 1930's that has since expired. You should always look at the deed and watch for not only mineral rights but also easeme...
by Crow Hunter
Wed Oct 09, 2013 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Home buyer be warned
Replies: 9
Views: 1861

Re: Roll over Pension or not?

Considering all the factors mentioned above, the fact that I right now I can't even access my account with them because I can't remember my password, and the fact I am still waiting after 3 weeks for them to give me an estimate of my benefit at age 62, I will go with the lump sum. I will roll it int...
by Crow Hunter
Mon Sep 09, 2013 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Roll over Pension or not?
Replies: 10
Views: 846

Re: Roll over Pension or not?

Thanks guys. From what I understand it is 100% survivor annuity. My wife is 35. I am still waiting on a new estimate on the pension monthly amount. I am going off my last estimate which I got 2007 when I left the company. I know next to nothing about pensions so this is quite helpful. I am not sure ...
by Crow Hunter
Thu Sep 05, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll over Pension or not?
Replies: 10
Views: 846

Roll over Pension or not?

A former employer (that I worked 7 years for) is offering me 3 options for the pension that I was vested in. Options: - Roll over into an IRA - Take it as an annuity - Leave it alone until I am 65. Roll over amount: $17,000 Survivor Benefit Annunity starting on 11/20/13: $50.92/month until both my w...
by Crow Hunter
Thu Sep 05, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll over Pension or not?
Replies: 10
Views: 846

Re: Add a tilt to small/value or go 100% stock?

I was all stock in my 401k/Rollover IRA until just last year. I was really disappointed during the 2008 stock drop that I didn't have any non-correlated assets that I could easily rebalance out of and buy more stocks when they went on sale. I am at 20% bonds now so that I have that diversification. ...
by Crow Hunter
Fri Aug 30, 2013 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Add a tilt to small/value or go 100% stock?
Replies: 26
Views: 1762

Re: Personal Rate of Return

Hi Taylor- What do you mean you use index funds so there is nothing to track? I am not the esteemed Mr. Larimore, but I think what he means is if you are investing in the market via an index fund, you get what the market returns minus your expense ratio. You aren't going to "beat it" so y...
by Crow Hunter
Mon Aug 26, 2013 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Rate of Return
Replies: 19
Views: 1877

Re: Choice Of Weapon For Personal Home Self Defense

I don't own a gun and would probably never own one, but I think this conversation is OK because self-protection is a good subject. There have been many suggestions to protect oneself besides owning a gun. I think even if a person hates guns and never wants to even be in the same county as one, givi...
by Crow Hunter
Mon Aug 26, 2013 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Why are you trying to save so much money?

I save so much money so hopefully I will one day be able to work because I want to, not because I have to. I want to spend my days riding around on a tractor moving dirt around for no reason other than I want to and riding my ATV around on the trails I made with the tractor and shooting furry/feathe...
by Crow Hunter
Mon Aug 26, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 22437

Re: Choice Of Weapon For Personal Home Self Defense

AR-15, 5.56 / 223 goes through significantly less drywall than handguns and performs significantly better on a self defense target. Shotgun with #00 is a good second choice, handgun is the worst firearm choice for self defense at any time. The only reason handguns are useful is they are easy to con...
by Crow Hunter
Mon Aug 26, 2013 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Choice Of Weapon For Personal Home Self Defense

It completely changes the data if you discount suicides, which they do not. Since having a gun does not mean you will commit suicide, that data should not be included in determining the statistical chances of being killed with a gun which implies that owning a gun means you are more likely to be ki...
by Crow Hunter
Mon Aug 26, 2013 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Choice Of Weapon For Personal Home Self Defense

The use of a gun is to withdraw into a bedroom and wait it out, not run around the house like rambo stalking armed robbers. edit: the other thing is, you need to be sure of your target and you need to be sure that your life is in danger before you use deadly force. a lot of the anti-gun arguments s...
by Crow Hunter
Mon Aug 26, 2013 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Choice Of Weapon For Personal Home Self Defense

Based on those statistics, one can infer that the lifetime risk of being burglarized, or having a home invasion, is: 0.7/yr x 78.7 yrs (the average life expectancy) = 55.1%. If forcible entries account for 60% of that number, the lifetime risk is 33% for the average American. A burglary is not the ...
by Crow Hunter
Mon Aug 26, 2013 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Choice Of Weapon For Personal Home Self Defense

So far I've resisted purchasing a gun because I feel there is enough security "built-in". I live on a non-ground floor apartment of a gated complex in a relatively safe neighborhood. I've never heard of anyone's home being broken in here. But at the same time I feel having a weapon of som...
by Crow Hunter
Mon Aug 26, 2013 11:37 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Choice Of Weapon For Personal Home Self Defense

My problem is I have kids... so I'd have to lock it away, and then I probably wouldn't be able to get to it fast enough for it to make a difference. If you feel you need a weapon, get a biometric opening safe to store a handgun in. They are very quick and it will allow you to store a loaded handgun...
by Crow Hunter
Mon Aug 26, 2013 9:58 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Choice Of Weapon For Personal Home Self Defense

Interesting to see some of the comments here. I don't advise anyone that is not comfortable with a weapon or untrained to keep one in the house, but some of the statistics cited here are false. They are intentionally mis-interpreted statistics by groups with an agenda. A weapon is more likely to hur...
by Crow Hunter
Mon Aug 26, 2013 8:58 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: Riding Lawn Mower

I know someone who is a John Deere dealer. He told me that the JD mowers that Lowes and Home Depot sell are the exact same mower that he sells. He also told me that he will sale the John Deere mower for the same price that the big box stores sell them for. For the 100 series, that is absolutely cor...
by Crow Hunter
Sat Aug 24, 2013 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: Riding Lawn Mower

I mow about 5 acres weekly, eight months out of the year. I have a Husqvarna with a 54 inch cutting deck. Bought it new five years ago. For the first four years, It ran well, except for a few minor glitches. This last year, It has had an oil leak which required an overhaul, broken rear axle, numero...
by Crow Hunter
Fri Aug 23, 2013 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: Gold and DJIA: What is going on?!

With physical gold held in their hot sweaty hands or a gold ETF/Fund? I could probably do it if I didn't have the actual physical gold in my hand, but I don't think I could do it if I was actually holding that shiny, heavy round coin in my hand. But, that is one of the reasons I personally don't own...
by Crow Hunter
Fri Aug 23, 2013 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 7696

Re: Gold and DJIA: What is going on?!

I like gold, I like the way it is colored and I like the way it is heavier than it looks like it should be for it's size. I would LOVE to have a bunch of gold and silver coins just so I can run them through my hands while giggling. :twisted: From an investment standpoint I see how owning gold could ...
by Crow Hunter
Fri Aug 23, 2013 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 7696

Re: Riding Lawn Mower

That's a beauty. I picked up the X748 (Diesel, 4x4) last winter...has about 25 hours on it now. I got it mainly for snow blowing my long driveway. But it's been awesome for summer too, as I picked up a mini front end loader for it. I love John Deere's. Thank you very much. I thought long and hard a...
by Crow Hunter
Fri Aug 23, 2013 8:38 am
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: Riding Lawn Mower

My yard is between 1/3-1/2 acre and is flat. Any decent sized rider will get it done pretty fast. But I am interested in one that will last awhile. gatorman With that small of a yard and just mowing, I personally would just grab a regular Home Depot/Lowes/Sears riding mower that has the features I ...
by Crow Hunter
Thu Aug 22, 2013 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: Riding Lawn Mower

I should also say that other than the problem with the transmission and the turf saver tires, I really liked my Husqvarna. It had a Kohler Courage V-twin and I never had a single problem out of it. It cut very well, it never bogged down and it was actually MUCH easier to start than my John Deere. (T...
by Crow Hunter
Thu Aug 22, 2013 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: Riding Lawn Mower

This is something that I just did a BUNCH of research on, so maybe I can help. What type of yard do you have? Flat or hilly? Obstacles? Are you planning on doing anything with this mower other than mowing? Like pulling anything? How large is your yard and how quickly do you want to get done? I had a...
by Crow Hunter
Thu Aug 22, 2013 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: Is there a better way to do this?

Simple for me. Consider the Three Fund Portfolio for the Rollover IRA and a Target Date fund for the employer plan assuming the fees are reasonable. Perhaps you could list your employer plan choices. RGAGX .34 American Funds Growth of Amer ABMIX .86 ASTON/Fairpointe Mid Cap I UMLGX .86 Columbia Sel...
by Crow Hunter
Thu Aug 22, 2013 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do this?
Replies: 6
Views: 657

Re: Is there a better way to do this?

I have NVSOX ER 1.22 Wells Fargo Advantage Small Cap Opp Adm available in my 401k. That is really my only option unfortunately. My wife has very few options in her 401k. Her S&P 500 index fund is the least offensive of all her funds. Luckily she has a good pension plan. Betweem my wife and I put...
by Crow Hunter
Thu Aug 22, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do this?
Replies: 6
Views: 657

Re: Is there a better way to do this?

Lower ER's are a sure thing. The other things you are concerned about are not. I would go with the sure thing and only use the S&P500 fund in the 401k. You can make periodic IRA contributions throughout the year if that is important to you. In the big picture, annual IRA contributions is DCA. I...
by Crow Hunter
Thu Aug 22, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do this?
Replies: 6
Views: 657

Is there a better way to do this?

I would love to have 100% of my assets at Vanguard to make this simple, but right now I can't. I am using the 3 fund investment portfolio model with 20% bonds, 40% Domestic and 40% International My ideal investment portfolio and where my rollover IRA from a previous employer is invested in: VTSAX ER...
by Crow Hunter
Thu Aug 22, 2013 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do this?
Replies: 6
Views: 657

Re: Dremel variable speed rotary tool

It is the best of tools, it is the worst of tools. :happy More perfectly good guns have been ruined by kitchen table gunsmiths with a Dremel than have ever been damaged by wear/tear. I am sure that this goes for lots of other hobbies as well. They are extremely useful but they also will allow you to...
by Crow Hunter
Thu Aug 22, 2013 11:00 am
 
Forum: Personal Consumer Issues
Topic: Dremel variable speed rotary tool
Replies: 15
Views: 874

Re: Ever Filed Civil Suit against Neighbor?

Whew, some people on here have worked their white collar jobs too long. Should have just went and talked to the guy. It is actually quite ironic how many people who have such obvious disdain for those of "lesser" class, education, and property value are also the ones that seem to have the...
by Crow Hunter
Wed Aug 14, 2013 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Ever Filed Civil Suit against Neighbor?
Replies: 82
Views: 4397

Re: Ever Filed Civil Suit against Neighbor?

Whew, some people on here have worked their white collar jobs too long. Should have just went and talked to the guy. It is actually quite ironic how many people who have such obvious disdain for those of "lesser" class, education, and property value are also the ones that seem to have the...
by Crow Hunter
Wed Aug 14, 2013 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Ever Filed Civil Suit against Neighbor?
Replies: 82
Views: 4397
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