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by Crow Hunter
Fri May 29, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Inherited RMD market timing question
Replies: 4
Views: 261

Inherited RMD market timing question

I have to take an inherited IRA RMD this year. The total that needs to be taken out of this IRA is $9,715.21. The vast majority of this IRA is invested in individual bonds, UITs and MBSs in a Vanguard Brokerage account. I invest the interest/return of principal from these investments back into Vangu...
by Crow Hunter
Wed May 27, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2259

Re: Window replacement -- Renewal by Andersen?

My personal opinion (and that of my contractor's and some of my neighbors) is that with Anderson, or Renewal by Anderson, you are paying a premium for the name . I have used Harvey windows - popular in Northeast US. You can get a good quality window without paying the Anderson price premium. I have...
by Crow Hunter
Tue May 26, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2259

Re: Window replacement -- Renewal by Andersen?

I work in the fenestration industry (door side) and Andersen is a good brand. Based on my experience, low quality doors/windows with good installation will beat good quality doors/windows with poor installation. Make sure you get a good installer above all else. Even if you have to go with a differe...
by Crow Hunter
Fri May 22, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3973

Re: Not able to max out all the retirement accounts

My wife and I max out both 401ks and Roths and save some here and there in a taxable account. We gross ~$145,000 between the two of us and we are 41 and 36. However, we also can't have kids and we live in a very LCOL area. For example, our house payment is only $466/month. We are also EXTREMELY chea...
by Crow Hunter
Fri May 22, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4223

Re: Career Advice: Follow "Passion" or Follow the Money?

I am not in your league. I don't even make what you do now. However, I did do something similar. I was on a fast track corporate job as an Engineering/Program Manager for the largest Automotive parts supplier in the world (at the time). If I had stayed, I would currently be a VP (as my replacement i...
by Crow Hunter
Fri May 22, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Quick question about tax harvesting
Replies: 9
Views: 511

Re: Quick question about tax harvesting

I wouldn't. I would rather keep the loss and use it against my 2015 taxes. But I am not in your tax bracket and I don't know what you future income/retirement prospects are. I am planning on being in a lower tax bracket when I retire early and assuming laws don't change, I will be able sell my appre...
by Crow Hunter
Mon May 18, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 26
Views: 1593

Re: Jobs for Retired Air Force (without degree)

What did your friend do in the air force? I ask because my father in law work for the Coast Guard for roughly 30 years, and then went back to work for the Coast Guard a a civilian. Was an aeromedic in the Air Force. Couldn't tell you everything in detail as I do not know. He should look into doing ...
by Crow Hunter
Fri May 15, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2771

Re: Letter from IRS (I think they are wrong)

Crow's posts show that he knows the rules. It appears that IRS liked him so much that they decided to give him some bonus. :) Now, I am curious to know if Crow filed his tax return by mail or by efiling. If he mailed in his return, the tax data had to be keyed into the IRS software and that could b...
by Crow Hunter
Fri May 15, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2771

Re: Letter from IRS (I think they are wrong)

You can elect to treat just enough qualified dividends and long-term capital gains as ordinary income to free up your investment interest expense. The remainder of qualified income still gets the preferential rate. If this is the case but you did not compute the tax correctly on your return, the IR...
by Crow Hunter
Fri May 15, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2771

Letter from IRS (I think they are wrong)

I received a letter from the IRS yesterday saying that my calculations were wrong and that they were increasing my refund. While it is nice that I will be getting a bigger refund, I don't think they are correct. The explanation said that I had not done the Qualified Dividend or the Schedule D worksh...
by Crow Hunter
Tue May 12, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 169
Views: 20352

Re: much ado about coasting (through life)

The U.S., surpassed only perhaps by Korea and Japan, has an unhealthy obsession with work. I retired at 25, and I've never had a shortage of activities and projects, whether it's just watching tv and playing tennis, or moving to a new country and learning a new language. And outside of the boglehea...
by Crow Hunter
Thu May 07, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: International rental car insurance
Replies: 17
Views: 1076

Re: International rental car insurance

I am sorry. This isn't related to your question at all. I am an engineer and when I read your user name. I thought it said CAD Reamer 2015. :shock: I realized just a second ago it was probably meant to be California Dreamer 2015 and I had a good laugh. Interesting how people filter what they see. :t...
by Crow Hunter
Tue May 05, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2587

Re: Neighbor wants to excavate shallow water hole common to both properties

Crow Hunter - I have to run for date night with my wife, but one quick thing that might be helpful to you (or that you might already know and just can't adjust due to shared ownership or aesthetic preferences you or they have and have decided): A guess from your photo is that you and your neighbors...
by Crow Hunter
Tue May 05, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2587

Re: Neighbor wants to excavate shallow water hole common to both properties

I can give you my personal experience. I live on a shared 3 acre +/- pond. I have 3 other neighbors. Pros: -It is fun to fish in -My lab loves to jump in and out of it -It looks really pretty at certain times of the year -It is really cool to watch the waterfowl when they come through (we live in a ...
by Crow Hunter
Wed Apr 29, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 2638

Re: Backyard patio - should I invest?

My parents put in a screened in/roofed deck in the late 1980's in our back yard. The sliding glass door from the kitchen/dining area connected it to the main house. It was probably the best investment that my parents ever made. We used it all the time and for decades afterwards. It is still my favor...
by Crow Hunter
Mon Apr 27, 2015 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2499

Re: Tax Loss Harvesting: How do you do it in practice?

I check Vanguard accounts once per month at least. If I have a loss that I feel is enough to warrant going doing TLH, I do it then. I also log onto Bogleheads at least once a day during the week while I am at work on breaks or lunch and if I see some news about international having a RBD (TM Livesof...
by Crow Hunter
Wed Apr 22, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11127

Re: How much do you pay in Property Taxes?

~$1,150 for primary residence if IIRC. 1,450 sq ft on 2.7 acres worth ~$155,000 or so in far western Tennessee. I don't have kids so I am not really that up on the school systems but from seeing signs around the city schools seem to win quite a few awards but I don't see that much about the county s...
by Crow Hunter
Wed Apr 22, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 38
Views: 1928

Re: Visiting Nashville during the summer

History and Art: ⋅ The Hermitage ⋅ Belmont Mansion ⋅ Cheekwood ⋅ Belle Meade Mansion ⋅ Traveler's Rest ⋅ TN State Museum ⋅ The Frist Center (check out the architecture tour) ⋅ Civil War sites are everywhere ! Other Fun ...
by Crow Hunter
Wed Apr 22, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance proceeds?
Replies: 16
Views: 1292

Re: How to allocate inheritance proceeds?

I also have inherited assets. Personally, I invest the bond portion of my asset allocation in my inherited IRAs. The stock portion is in my personal 401k/Roths. My reason being that I will have RMDs every year and the bonds are less likely to see large amounts of growth and should remain fairly stab...
by Crow Hunter
Mon Apr 20, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 5532

Re: One Spouse Outearning the Other?

I have been married for 14 years. I have always been the higher earner. Usually 1.5 - 2 times as much. This actually caused friction early in our marriage because I expected my wife to make the same as me or more. :D As I have taken less and less responsibility over the years and she has increased i...
by Crow Hunter
Fri Apr 17, 2015 7:32 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 357
Views: 49773

Re: Rick Ferri looking to internationalize his portfolio

Don't forget, International (at least VTIAX) is just now getting back to parity with where it was "around" this time last year. I know this because I changed around my asset allocation because of inherited assets in June of last year including buying a very large (for me) chunk of VTIAX in...
by Crow Hunter
Wed Apr 15, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8639

Re: Dr. Ron Paul politician says terrible crash is coming

EmergDoc wrote:
Seriously though, there is always a crash coming and you shouldn't take financial planning advice from politicians.


Amen to that.
by Crow Hunter
Wed Apr 15, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3612

Re: Raising well-adjusted children when you're "rich"?

I think it has more to do with the child's personality than anything else. I was raised "rich". We were middle class in a rural lower class area. :D I knew we had more money than lots of folks around. We had a boat, we had hunting land, we took at least 2 vacations a year as a family, our ...
by Crow Hunter
Tue Apr 14, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can nursing homes evict Medicaid patients?
Replies: 19
Views: 2533

Re: Can nursing homes evict Medicaid patients?

It's been a year or two since I spoke to an attorney about this but this is my recollection. If you are a rehab patient they do not have to keep you as a nursing resident. In fact all three facilities I spoke to wanted a certain amount of private pay months (it was years actually, not months) befor...
by Crow Hunter
Tue Apr 14, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11574

Re: Does your family know about your net worth (ball park)?

From looking at the recent annual income poll result, I think most BHs are already millionaires or will become one. Q1. Does your family (parents, siblings) know about your net worth (ball park figure)? My Mother did. I talked about it with her regularly to ask for her opinion and advice. My brothe...
by Crow Hunter
Sun Apr 12, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12882

Re: Household Gross Income Poll

Wow. I am impressed by the reported incomes here. My wife and I just barely break into the $100k subset based on line 22 ($116k). That was really only because of inherited assets that we had to realize taxes on this year (EE bonds and taxable dividends). Prior to that we were below the $100k mark. K...
by Crow Hunter
Fri Apr 10, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3961

Re: Mailing tax returns

I just wanted to say I am not part of the 111%. I not only mail them, I do them by hand, ON PAPER, with a pencil and pen and a HP 48GX calculator. :twisted: Oh and I use certified mail too. :D I hope your taxes are fairly simple. I had a client (TaxAide volunteering) who had been doing his taxes by...
by Crow Hunter
Thu Apr 09, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3961

Re: Mailing tax returns

I just wanted to say I am not part of the 111%.

I not only mail them, I do them by hand, ON PAPER, with a pencil and pen and a HP 48GX calculator. :twisted:

Oh and I use certified mail too. :D
by Crow Hunter
Thu Apr 09, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3687

Re: Poll: What is the credit limit of your credit card?

$12-16k on 3 different cards. I had to ask for it though on the 2 newest cards. I got them for the rewards and called right after getting them an told them that I was getting ready to make a large purchase and I would like to use their card but I needed a larger limit. They asked me a couple of ques...
by Crow Hunter
Fri Apr 03, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 9
Views: 1870

Re: Vanguard [Messed up] 1099-B

I just wanted to post a follow up. It turned out that Vanguard wasn't at fault. All 3 of the organizations that I inherited assets from actually coded it wrong. However, Vanguard took it upon themselves to follow up with each of them and made the corrections and issued me a revised 1099-B yesterday ...
by Crow Hunter
Wed Apr 01, 2015 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you not strive for success because it might offend others
Replies: 30
Views: 1744

Re: Do you not strive for success because it might offend ot

I don't limit what do but I tailor what I talk about/say based on my "audience". I try not to engender feelings of envy if I can avoid it. However, I don't go out of my way or not do something because it might offend someone. I just don't "show off" what little "success"...
by Crow Hunter
Tue Mar 31, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Does excess $ matter if Retirement (15yrs from now) is set?
Replies: 30
Views: 3573

Re: Does excess $ matter if Retirement (15yrs from now) is s

Age 44, single, no kids Unemployed $30k/yr expenses (barebones, no entertainment) After tax $: $125k ($75k in savings acct + cds/I-Bonds, $50k in Healthcare fund) IRA/Roth: $425k (40% Total Market, 30% Total Bonds, 25% Total Intl, 5% REIT) I'll also get $600/month pension at age 62, and another $40...
by Crow Hunter
Tue Mar 31, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: Investing in patio sliding doors; any guidance?
Replies: 7
Views: 801

Re: Investing in patio sliding doors; any guidance?

I work in the fenestration industry. While you do get what you pay for from a performance standpoint a good installation is more important than the door you actually get. A lower quality door installed well will have fewer problems than a top of the line door installed poorly. With it being a sunroo...
by Crow Hunter
Thu Mar 26, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 3255

Re: Total Intl Dividends

Sidney wrote:Those of us who prefer not to get dividends wrote a letter to Vanguard and asked them to cut it out.


Thank you!


:mrgreen:


:wink:
by Crow Hunter
Thu Mar 26, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 13813

Re: Restaurant tipping

We don't eat out at "nice" restaurants at all. To my wife and myself, "nice" is a O'Charley's or Logan's. If I have very poor service, I don't tip at all. If I have barely adequate service, I tip 10%. If I have good service, I tip 20%. If I have exemplary service I tip way more. ...
by Crow Hunter
Thu Mar 26, 2015 12:46 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 3255

Re: International stock dividend cut. Why?

Wow, there's a lot of magical thinking going on in this thread. It has been mentioned already, but I will repeat for emphasis: Total International has highly variable dividends from quarter to quarter . Typically Q1 and Q3 are smaller than Q2 and Q4. Beyond that I don't think there is much in the w...
by Crow Hunter
Thu Mar 26, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2477

Re: First Taxable Account

Not that much of a big deal on the before, it is the after TLH that you have to worry more about in my experience. Just make sure that if a TLH opportunity comes in the next 30 days you sell those shares you just bought, even if they happened to have a gain. That way you will longer own any "r...
by Crow Hunter
Thu Mar 26, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2477

Re: First Taxable Account

Oops, I had selected 'reinvest' for dividends and capital gains. I had been telling myself to change the selection the past couple of weeks and now I have a dividend reinvested. Oops. In any case, I'm changing it now to go to my prime money market. Quick question, I assume I select both dividends a...
by Crow Hunter
Wed Mar 25, 2015 7:28 am
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 3255

Re: International stock dividend cut. Why?

Exchange rates changed a bit, too. A euro doesn't buy as many cents as it used, so your bags of pennies only get filled up part way this year compared to last year. I think this is one of the big drivers. From my situation. I am happy. I am up quite a bit from my last livesoft TLH and I would prefe...
by Crow Hunter
Wed Mar 25, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 9
Views: 1870

Re: Vanguard Screwed up 1099-B

A portion of one stock position is covered but the vast majority is non-covered. Is the data right on the covered shares? If it is, just enter your own correct numbers for the non-covered shares. It's common to get incorrect data for non-covered shares. Vanguard doesn't have correct cost basis info...
by Crow Hunter
Tue Mar 24, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 9
Views: 1870

Re: Vanguard Screwed up 1099-B

Were any of the shares inherited from a trust? My understanding is that depending on the type of trust, there *might* not be a step-up in basis. Some were inherited via a TOD account, some were beneficiary and some were requested by me via the investment company protocol. None of them were trust. F...
by Crow Hunter
Tue Mar 24, 2015 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 9
Views: 1870

Re: Vanguard Screwed up 1099-B

Are the shares covered or non-covered? If they are covered, then Vanguard is reporting information to the IRS, which the IRS will check against your return, so you need to get it fixed before you file (or, failing that, report on the Form 8949 that Vanguard's information is wrong, which can sometim...
by Crow Hunter
Mon Mar 23, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3288

Re: Vanguard Problems

I don't doubt it. I have had problems with them recently figuring out inherited assets. I even have one lot of stocks. All from the same company. All inherited at the same time. All transferred from the same company. I got a 1099-B that showed 1/3 of them short term gains with a cost basis starting ...
by Crow Hunter
Mon Mar 23, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 9
Views: 1870

Vanguard [Messed up] 1099-B

My 1099-B from Vanguard has all the Short/Long term information screwed up. All of the problems are with information related to Long and Short term gains and cost basis. All of the brokerage assets were inherited. About 2/3 of them are showing up in Short term and with the balance in Long Term. Some...
by Crow Hunter
Fri Mar 20, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8170

Re: How do you invest your taxable account?

I do the 3 fund Lazy Portfolio. I have terrible options for International in both my and my wife's 401ks. So right now the only things that I have in taxable are a large chunk of my International allocation (VTIAX) and a small bond allocation to some inherited taxable UIT/MBS. Should conditions/AA w...
by Crow Hunter
Fri Mar 20, 2015 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Lowest income at which able to Max 401k and IRA
Replies: 31
Views: 2813

Re: Lowest income at which able to Max 401k and IRA

My wife and I combined make a little more than you (144k IIRC) and we max out 2 401ks and 2 Roths and have for several years (and maxed my 401k and 2 IRAs for years before that). However, we live in a very LCOL area and are somewhat frugal. Our total annual expenses are less than $60k/yr. I know tha...
by Crow Hunter
Thu Mar 19, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 4875

Re: Do you have and auto loan?

I have only done it on 3 vehicles before. -1999 Silverado Z71 First new vehicle I ever purchased. I was still living at home at the time right after graduating college. I couldn't stand to pay interest. I paid it off in about 4 months IIRC. -2001 Corolla My new wife's 198x Cavalier (IIRC) started ha...
by Crow Hunter
Wed Mar 18, 2015 12:49 pm
Forum: Investing - Theory, News & General
Topic: Legos appreciating in value?
Replies: 38
Views: 6104

Re: Legos appreciating in value?

There is a pretty interesting documentary on Netflix about Legos as a company and how they almost went under until they got new management. They conveniently left out how the explosive growth/profitability happened to coincide with starting the "tie-ins" and expensive "themed" se...
by Crow Hunter
Wed Mar 18, 2015 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3619

Re: Vanguard Brokerage 1099 Available

I received half on Friday last week and the other half on Monday.

Now I just have to figure out what to do with it. :oops:
by Crow Hunter
Wed Mar 18, 2015 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Inherited MBS Cost Basis Tax Question
Replies: 3
Views: 210

Inherited MBS Cost Basis Tax Question

I think I know this, but I want to make sure. I have searched online but haven't found a specific answer to this. I inherited three MBS bonds in a taxable account. When I inherited them they were valued at greater than par. For instance, I have 13,000 shares of a WAMU MBS that I inherited at $1.02/s...

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