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Re: Determining who makes it past age 90?

I agree with the "nobody knows nuthin." My Father died at 62 and my Mother at 68. The entire rest of the family is still alive and their parents lived into their 80's and they all died of "old age". My Dad died of colon cancer 10 years ago. First person in the family to get cance...
by Crow Hunter
Tue Sep 02, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 22
Views: 1103

Re: If you had an extra $100,000

This is pretty funny. I actually posted the same question on another discussion board (not financially related) that I am on a couple months ago just to see what answers I got. Surprisingly most answers were related to paying off debt. I would invest 100% into Vanguard Total International and rebala...
by Crow Hunter
Thu Aug 28, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 58
Views: 5131

Re: Tax loss harvesting

So what if a person TLH Total Stock Market in their taxable account and invested into Total International, then converted Total International held in IRA's to Total Stock Market to keep the same Asset Allocation? Would this trigger wash sale rules? If so, can people get into trouble if they have div...
by Crow Hunter
Thu Aug 28, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1482

Re: How do you usually pay for something under $5?

I use my credit card for everything that doesn't charge me extra to use and I am 40. I have been doing this since the late 1990s. I usually have a few dollars ($20-40)in my wallet and I usually keep spare change at home to use in the machines here at work since they started charging $.10 extra to us...
by Crow Hunter
Wed Aug 27, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1188

Re: Savers vs. Spenders: Default Mode

I think to a large degree that tendency - one way or the other - is innate. It has to be. My brother and I both grew up with the same parents only 4 years apart. Went to the same schools, same teachers in many cases. Our parents were both prodigious savers to the point my Father was nearly a hoarde...
by Crow Hunter
Wed Aug 27, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2189

Re: Savers vs. Spenders: Default Mode

I think it's hard for most people to save because most people just don't make that much money. In my opinion, saving is more of a privilege than a norm. I somewhat disagree. Take my extended family for instance. My Dad's side: 5 kids. Only 2 graduated from high school. No college. 2 were very "...
by Crow Hunter
Wed Aug 27, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2189

Re: Do you take all of your allowed paid vacation time?

I don't take all of mine but they roll forward up to 2x my yearly accrual. I can get up to 6 weeks this way. It came in very handy at the first of this year when my Mom was ill. I had 173 hours when she was diagnosed and I was down to 20 some odd when she passed away. That kept me from having to tak...
by Crow Hunter
Fri Aug 22, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5634

Re: Gold, Silver, Copper

I always wanted some (depleted) uranium, but I guess they don't make coins out of it. L. They do make 30mm cannon rounds out of it. Maybe you could get a pulled projectile? :wink: I met a guy who was present during the original DU testing. They set up an armor plate target in front of a berm and fi...
by Crow Hunter
Thu Aug 21, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6990

Re: Gold, Silver, Copper

My wife just recently gave me an early birthday present. 1/2 oz AGE and a Silver Eagle. It is SO COOL. I look at them every night before I go to bed. My wife asked me if I am going to start calling them "My precious". Now I want to buy more. :greedy I want a 1/10 oz, a 1/4 oz, a full oz, ...
by Crow Hunter
Thu Aug 21, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6990

Re: Gold, Silver, Copper

I think gold and silver is actually physically addicting. Once you touch a gold coin, it makes you want to touch more. i don't have the same feeling when touching my ibonds :annoyed With a big enough stack, you might! I do with my stack currently valued at about $350,000 If I had a stack of Ibonds ...
by Crow Hunter
Thu Aug 21, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6990

Re: Gold, Silver, Copper

My wife just recently gave me an early birthday present. 1/2 oz AGE and a Silver Eagle. It is SO COOL. I look at them every night before I go to bed. My wife asked me if I am going to start calling them "My precious". Now I want to buy more. :greedy I want a 1/10 oz, a 1/4 oz, a full oz, a...
by Crow Hunter
Thu Aug 21, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6990

Re: Mississippi wins!

But how is the economy doing? The h.s. graduation rate is one of the lowest in the U.S. and I can't imagine that's a great economic indicator. http://www.higheredinfo.org/dbrowser/index.php?measure=23 It depends on where you are in MS. (Location, Location, Location) In the NE part of the state wher...
by Crow Hunter
Tue Aug 19, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1852

Re: Your biggest "Missed Money" event that still kills you?

#1 Not buying gold and silver coins back around 2003-04 time frame. I have always wanted some (from my D&D playing days) but I decided not to buy them because the price had gone up a little and I would just wait until the price went down some.... :oops: #2 Listening to Dave Ramsey in 2007-2008 a...
by Crow Hunter
Mon Aug 18, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7968

Re: Vanguard Agent Authorization

I asked him what the suspicious activity was... "Both accounts were logged in from the same computer back to back." I hope this isn't a sign of things to come with Vanguard or anyone else. I must say that my accounts and my wife's accounts often are accessed from the same computer within ...
by Crow Hunter
Mon Aug 18, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2605

Re: Huff Post: How Financially Literate Is the Investing Pub

Fallible wrote: 

Illiteracy is the first problem to tackle. If one doesn’t know what “fees” mean, let alone “compounding,” or if one doesn’t know what “math” means, let alone “reading,” if one can’t read math instructions...and on and on. I had read the excellent NYT article and this is what spoke...
by Crow Hunter
Mon Aug 18, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4623

Re: How do you address your inlaws and being addressed?

I must be one of the few raised in the early 20th century. I like honorifics. How can you not be honored if someone includes you in their family and has their children call you Aunt or Uncle, even if you are not? What greater honor is there than to be called mom or dad by someone who is not your bi...
by Crow Hunter
Fri Aug 08, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4738

Re: Roof replacement

Make sure you hire a good quality roofer.

Not someone who just picks up people at Lowe/Home Depot parking lot every day because they can pick up a hammer.

Even high quality shingles will leak and/or blow off if they are "high nailed" or or otherwise incorrectly installed. :annoyed
by Crow Hunter
Fri Aug 08, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Roof replacement
Replies: 13
Views: 1153

Re: How do you address your inlaws and being addressed?

First names with in-law parents on both sides. Pet names for her and my Grand parents. I still call and refer to her Grandparents (still living) as Nanny and Paki and her other Grandmother (since passed) as Mammaw. She called my Grandmother Mama XXXXX which is what I called her even since she has pa...
by Crow Hunter
Fri Aug 08, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4738

Re: Public not saving for retirement

In most cases, I'm pretty sure lack of financial knowledge isn't the problem. Even the vast majority of people who invest poorly end up doing okay in the end. The real problem is that so many people just don't have any money left over to save. The financial literacy movement has been, I think, most...
by Crow Hunter
Fri Aug 08, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3555

Re: How often do you replace bath towels?

An off topic suggestion which this subject brought to mind - Buy several cheap towels - beach towels on clearance at the end of the summer season are perfect - and keep them in your car. It's amazing how often they come in handy! If someone is cold, they can be a blanket. If someone is wet or dirty...
by Crow Hunter
Fri Aug 08, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3750

Re: Public not saving for retirement

A large number of the people that currently work with and have in the past don't really think about retirement. They don't think about anything other than the following weekend or maybe up until their next vacation. That includes both low and high income people. I had an engineer that worked for me ...
by Crow Hunter
Fri Aug 08, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3555

Re: What does this mean? [Muni bond question]

LOL. Crow: Why on earth are you asking? If you're interesting in buying something, the site from which you obtained the information is bound to have more information than what you're going to find here. I'm going to guess that you didn't provide all of the information. I could guess that these are ...
by Crow Hunter
Thu Aug 07, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does this mean? [Muni bond question]
Replies: 3
Views: 379

What does this mean? [Muni bond question]

RFDG SER A ASRD GTY B/E TXBL REOF @99.212 6.06% CPN 6.00000 % MTD 2035-12-01 DTD 2010-03-16

I assume:

Refunding Series A.

Past that, I have no idea other than the CPN= Coupon and MTD means Maturity Date

Anyone know?
by Crow Hunter
Thu Aug 07, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does this mean? [Muni bond question]
Replies: 3
Views: 379

Re: Attitudes toward inheritances.

It isn't a crime to destroy your own property, at least in my state. As a matter of fact, in my home state, you can even get the local fire department to come burn it down for you. They use it to practice putting the fire out after it gets down to a certain point. Lots of people do that locally to ...
by Crow Hunter
Thu Aug 07, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10471

Re: International investing. A good call by our mentor.

The puzzling part to me has always been this recognition that none of us can predict the future or know which asset class will out perform. In addition, many Bogleheads refer to simplicity. Would a 50% US and 50% International equity allocation not be the simple and "Boglehead" way? I wou...
by Crow Hunter
Thu Aug 07, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12395

Re: Inherited IRA RMD question

Is this bond still at Edward Jones? Can you simply sell the bond to yourself? So sell it out of IRA and buy it in taxable account? Perhaps with little or no commission? It is at Vanguard now. From what I understand that is actually how it is done. It is "sold" from Mom's IRA FBO Me to jus...
by Crow Hunter
Thu Aug 07, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Inherited IRA RMD question

I thought you could just transfer assets in kind from an IRA into a taxable account and count the value as the RMD. But I am very often wrong. So am I. Maybe it is possible as long as you pay the tax. Has anyone done an in-kind IRA to taxable asset transfer like this? JW I looked it up after your p...
by Crow Hunter
Thu Aug 07, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Attitudes toward inheritances.

My parents don't have a ton of cash, but they do have a nice place in Southern Missouri (110 acres, hills, mostly forest, with a river running through it). I told my parents I'd be okay if they gave the whole place to my sister, so she'd always have a place to retire (she's not as well-off), but I ...
by Crow Hunter
Thu Aug 07, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10471

Re: Attitudes toward inheritances.

My parents don't have a ton of cash, but they do have a nice place in Southern Missouri (110 acres, hills, mostly forest, with a river running through it). I told my parents I'd be okay if they gave the whole place to my sister, so she'd always have a place to retire (she's not as well-off), but I ...
by Crow Hunter
Thu Aug 07, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10471

Re: Inherited IRA RMD question

Does it make sense for me to move this bond into my taxable account as my RMD for next year even though doing so would be more than my RMD total using the current assumptions? I assume, that if I do decide to do that, since it is an individual bond, I should move it out as soon as possible in Janua...
by Crow Hunter
Thu Aug 07, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Inherited IRA RMD question

Also, since the current value of the bond and it's 6% coupon is reflected in the $10,587 price, you could also just sell it and then you would not only have a lower income tax, you wouldn't have to worry about it. fd I have thought about this but I have also read that the muni bond market is notori...
by Crow Hunter
Thu Aug 07, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Inherited IRA RMD question

FinancialDave wrote:Ok,
After re-reading your post a number of times I finally came to that conclusion.
:oops:


Don't feel bad. It's me.

I know what I mean in my mind, it just doesn't always make it to my fingers and onto the screen so everyone else knows what I mean. :mrgreen:
by Crow Hunter
Thu Aug 07, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Inherited IRA RMD question

Yes, it is time for another in my series of oddball questions. :D However, since this is a Muni bond, the growth is already tax free. Based my age and the current value of the aggregate account the RMD will be roughly $8,000. There is no such thing as "tax-free" growth inside an IRA, at l...
by Crow Hunter
Thu Aug 07, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Inherited IRA RMD question

Why even wait? Take it out right now (even though this year's RMD was probably already taken) Just to keep my income from going up any higher than it already has had to this year from other things that I have inherited and will be paying extra taxes on this year. Plus if I wait I can use it to fulf...
by Crow Hunter
Thu Aug 07, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: My bank lowered my interest rate on my checking account

I had 2% interest on my checking account. My bank, First American Bank, lowered it to 1.5% without telling me. Is there a better option out there for me? No. -- My bank eliminated interest on my checking account about 5 years ago. I struggle to get .87% on my Savings with Ally Bank. What Planet do ...
by Crow Hunter
Thu Aug 07, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: My bank lowered my interest rate on my checking account
Replies: 11
Views: 1237

Inherited IRA RMD question

Yes, it is time for another in my series of oddball questions. :D I have an individual Muni Bond that I inherited in my Mom's IRA. I don't know why she had a muni in her IRA. (She had it at Edward Jones :oops: ) It has a par value of $10,000 and a coupon of 6% and a current value of $10,587. Next ye...
by Crow Hunter
Thu Aug 07, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD question
Replies: 18
Views: 436

Re: Attitudes toward inheritances.

My mother died on Memorial Day. I was the caregiver these past 8 years. She died with $6k plus a mortgage free beach house. Unbelieveable how one of my sisters fought over some small jewelry and the other sister had no clue of what was happening. Even though I am the executor, they force me out of ...
by Crow Hunter
Thu Aug 07, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10471

Re: December RMD Withdrawal Timing Question

Does that apply to bond funds as well?

I honestly have never looked to see if bond funds NAV drops when the dividend is paid.

For some reason I was thinking there was some type of proration with bond funds based on the number of days you owned it but maybe I am mixed up with something else.
by Crow Hunter
Wed Aug 06, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1429

Re: December RMD Withdrawal Timing Question

Don't wait until the "last minute", in case there is any delay with the paperwork. If there are distributions/dividends/etc. - any sort of income within the tax-deferred account - that would increase the end of year total on which the percentage to be taken is based, so you wouldn't want ...
by Crow Hunter
Wed Aug 06, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1429

Re: Rebalancing question

I always try to read the thread, but sometimes I get ahead of myself. The OP said that the all tax-deferred assumption was a fake. He has a taxable account. I thought that was clear. This is more of a gedanken rather than a real situation. I was just wondering what the consensus was if such a situa...
by Crow Hunter
Wed Aug 06, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Rebalancing question

It would be hard for me though, and probably bother me after the fact, to sell a loser to by a bigger loser. I have no probably whatsoever selling a winner to buy a loser. It is those numbers that turn red in the Realized Gain/Loss screen that bother me. I want them to be green. :D Even in my tax d...
by Crow Hunter
Wed Aug 06, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Peak Money Market Fund Yields in 1981-82

During that time I convince my in laws to take loans at 3%? from their whole life policies and "invest" in CDs. A true free lunch at the time. Interest they were paying was low and fixed and the CDs were higher and government guaranteed. If CD rates dropped - just repay the loan.I reminde...
by Crow Hunter
Wed Aug 06, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1683

Re: Rebalancing question

In your scenario, US equities could decline 5% and EM 95%. Are you saying you would not consider selling a portion of the US to purchase emerging markets? If % in EM is less than the US (me, 7.5% and 32.5% respectively), then the $ amount used to re-balance is almost insignificant to your US holdin...
by Crow Hunter
Wed Aug 06, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Rebalancing question

I actually put you as an option. :) 3-What is rebalancing?-sscritic way:wink: I kind of like your methodology. My only concern with implementing your it is that I would eventually be almost all S&P500 since that is really the only low ER fund that my wife and I have access to in our 401ks. Ever...
by Crow Hunter
Wed Aug 06, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Rebalancing question

Every 3 or 4 months I would log on, see where I was at versus my targets, and adjust the percentages without ever looking at the balances. Since I hate sellling anything at a loss, I started thinking about what I would do. I figure if the market continues to drop I will hit a rebalancing band on ei...
by Crow Hunter
Wed Aug 06, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Rebalancing question

What do you do when everything is down and you need to rebalance ? Answers to questions often depend on stated or unstated assumptions. Your assumption is that at some point you will need to rebalance. I have never needed to rebalance, so your question is irrelevant to me, and it could be to you to...
by Crow Hunter
Wed Aug 06, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Rebalancing question

Crow I don't know where you got your idea about rebalancing and not locking in losses, but it's not correct. It's irrelevant. Rebalacing is ALL ABOUT restoring the portfolio's asset allocation to desired level. Now it should be done in tax efficient and cost effective manner (these factors should n...
by Crow Hunter
Wed Aug 06, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Rebalancing question

Crow, if market is way down but bonds not your bond allocation will have RISEN so selling some of it (which is the hard part because that is what has helped the portfolio from collapsing more) to buy stocks is what you need to do. But buying when things look darkest is also very hard for investors ...
by Crow Hunter
Wed Aug 06, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Rebalancing question

I got to thinking about this the other day and wanted to see what the consensus was. What do you do when everything is down and you need to rebalance? Lets say you have a 70/30 portfolio with 50% international. Assume it is all in a tax advantaged account so tax loss harvesting wouldn't apply and yo...
by Crow Hunter
Wed Aug 06, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 917

Re: Attitudes toward inheritances.

I actually discussed with my Mother what I was planning on doing with the inheritance that she left me and how I planned on setting up the finances for my brother (who is terrible with money) so that he could have a comfortable retirement based on her prompting when she was first diagnosed. She was ...
by Crow Hunter
Tue Aug 05, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10471
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