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Re: Patio door recommendations

I work in the industry. You get what you pay for when it comes to the higher end patio doors. Particularly when it comes to before and after customer service and certain types of performance. There are also different grades within different brands. I will say there are certain things that you shoul...
by Crow Hunter
Thu Jul 24, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 15
Views: 781

Re: Patio door recommendations

I work in the industry. You get what you pay for when it comes to the higher end patio doors. Particularly when it comes to before and after customer service and certain types of performance. There are also different grades within different brands. I will say there are certain things that you shoul...
by Crow Hunter
Thu Jul 24, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 15
Views: 781

Re: Patio door recommendations

I work in the industry. You get what you pay for when it comes to the higher end patio doors. Particularly when it comes to before and after customer service and certain types of performance. There are also different grades within different brands. I will say there are certain things that you should...
by Crow Hunter
Wed Jul 23, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 15
Views: 781

Re: Here's another "where should I retire" thread

No advice on location but I would advise to please not move into an area and try to make it the way you think it "should" be. I have seen and heard of quite a few people who retire from HCOL areas (chiefly blue state cities) into LCOL areas (chiefly red state rural) and spend the vast majo...
by Crow Hunter
Wed Jul 23, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 54
Views: 2224

Re: Gold, Silver, Copper

You need to brush up on comparative advantage. Comparative advantage relies on a number of assumptions about labor and technology that may not apply to interactions with a society that has technology much more advanced than ours. For example, if automated manufacturing equipment can be purchased an...
by Crow Hunter
Wed Jul 23, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Individual MBS & UITs in taxable account

I have inherited 3 individual Mortgage Backed Securities and 3 UITs in a taxable account. WAMU 11/25/33 5.5% $15,000 GMAC 06/25/34 5.75% $8,000 BofA 03/25/35 5.05% $8,000 The years 2033 - 2035 is a long time away. Those are the legal maturity dates, each will likely pay off long before that via pre...
by Crow Hunter
Wed Jul 23, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: Gold, Silver, Copper

Renewable energy means big demands for grid infrastructure. Wind farms and solar farms tend to be in remote areas and they have to be hooked up to the grid, a major constraint. In the UK you add offshore wind. The future of power transmission is in long distance and international High Voltage DC li...
by Crow Hunter
Wed Jul 23, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Individual MBS & UITs in taxable account

I took a quick glance at the CUSIPs on my Bloomberg terminal and they are all 2004-2005 era (so before things got really crazy) private lable MBS. Each is pretty high in the SPV's capital structure, meaning quite a bit of additional defaults would have to occur before before your tranche would real...
by Crow Hunter
Wed Jul 23, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: Individual MBS & UITs in taxable account

It might be helpful to post the CUSIPs of the MBS, if they're private label MBS (which it appears to me they are) then they're structured in such a way that they're non-recourse to the original issuer (BofA, WAMU, GMAC). So the bank/issuer's credit rating is essentially irrelevant, as a bondholder ...
by Crow Hunter
Wed Jul 23, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: Individual MBS & UITs in taxable account

If you want to sell the UIT just call Vanguard. I moved a UIT over a couple months back and had to call them to sell (it was $35 as you state in your OP). If I remember correctly they told me there was no way for me to do it online. Right now I am leaning towards keeping the UITs. They are such a s...
by Crow Hunter
Tue Jul 22, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: Individual MBS & UITs in taxable account

If you want to sell the UIT just call Vanguard. I moved a UIT over a couple months back and had to call them to sell (it was $35 as you state in your OP). If I remember correctly they told me there was no way for me to do it online. Right now I am leaning towards keeping the UITs. They are such a s...
by Crow Hunter
Tue Jul 22, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Individual MBS & UITs in taxable account

I have inherited 3 individual Mortgage Backed Securities and 3 UITs in a taxable account. WAMU 11/25/33 5.5% $15,000 GMAC 06/25/34 5.75% $8,000 BofA 03/25/35 5.05% $8,000 VK Insured Income Trust Ser 113 2 shares @$646.02/sh VK Insured Income Trust Ser 118 4 shares @ $436.10/sh VK Insured Income Trus...
by Crow Hunter
Tue Jul 22, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: How would you handle this situation if it was you.

Hi all I'm new to this forum and just want into you guys by luck. I would appreciate if the responses do not attack me or become too immature. I am just trying to teach my self different ways to go about money and this situation. Stats: Age 28 yearly: 38000 plus close to 200 a week on mileage money...
by Crow Hunter
Mon Jul 21, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would you handle this situation if it was you.
Replies: 15
Views: 1914

Re: Moving IRA from TD to Vanguard

Crow, Sorry that I misspoke. livesoft offered the correct understanding; until I unload all my bonds, they would not be counted toward Vanguard managed assets. So, in this case, a 100% liquidation toward a Vanguard transfer or just stay w/ TD but managed my future Vanguard funds No, you didn't miss...
by Crow Hunter
Mon Jul 21, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 992

Re: Moving IRA from TD to Vanguard

Flagship is for like-services. Vanguard separates brokerage account from mutual funds account when they aggregate, something that I was not aware off. :( I didn't know that. So your total in brokerage isn't additive to what you have in Vanguard mutual funds? Well that kind of sucks. That means that...
by Crow Hunter
Mon Jul 21, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 992

Re: Moving IRA from TD to Vanguard

I am in the process of consolidating a bunch of different inherited (in my case) accounts to Vanguard right now. I pretty much just called Vanguard, told them what I wanted to do, and they Fed-ex shipped all the required paperwork (wrong the first time :oops: ) and took care of it from there. Moving...
by Crow Hunter
Mon Jul 21, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 992

Re: Divesting Stock with Sentimental Value

I had a similar experience just recently. I inherited 1,323 shares of AT&T stock from my Mother. My Father and my Mother both retired from South Central Bell/Bellsouth/AT&T and purchased this stock via ESPP. I actually spoke to my Mom before she passed about it and she said that she held on ...
by Crow Hunter
Mon Jul 21, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1835

Re: Poll: Has your AA changed in the last 18 months

I became more conservative. I received an inheritance that pushed me much closer to my "number" and thereby reduced my risk profile. I was Age-20 bonds with a 50/50 international split. I changed to a Age-10 in bonds with a 70/30 international split. Mostly this was due to what I inherited...
by Crow Hunter
Sun Jul 20, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 49
Views: 2334

Corporate inversions and TSM

I have been listening to a couple of stories on NPR over the last couple of days about Corporate Inversions where companies move their headquarters out of the US to avoid corporate taxes and it got me to thinking. What happens to these companies in relation to their stock market listings? Specifical...
by Crow Hunter
Fri Jul 18, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Corporate inversions and TSM
Replies: 3
Views: 377

Re: How exactly does Vanguard's RMD service work? Rebalancin

I realize that this post is a couple months old, but I ran into an issue with Vanguard's automatic RMD service that I did not see mentioned. I previously had their automatic RMD service to take my distribution from an inherited IRA and exchange it for the same fund in a taxable account. After looki...
by Crow Hunter
Fri Jul 18, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3554

Re: Snake!

No, used to live in Florida -- now they have some serious snakes! These black ones are pretty harmless but they can scare the crap out of you if you aren't paying attention. They aren't constrictors and they aren't poisonous. Probably only bite if harassed or surprised. I checked Internet and accor...
by Crow Hunter
Thu Jul 17, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 3952

Re: Why I can't be a day trader.

Crow Hunter, if it makes you feel any better, everyone who buys and sells - stocks, collectibles, whatever - has a story like this. Before I went all index, I sold Apple at about $19. Part of the game. My problem wasn't so much leaving the money on the table. It was leaving the money on the table a...
by Crow Hunter
Thu Jul 17, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Living on Dividends

Let me start by saying that I'm 17 years old, and I have a lengthy investing horizon in front of me. I plan on pursuing an MBA in Finance and then breaking into the finance world, where I will work my butt off to get into a bulge bracket firm, so I will pull in a decent salary. My end goal is to ha...
by Crow Hunter
Wed Jul 16, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 16
Views: 3559

Re: Snake!

Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators. I don't know if that is true. You guys aren't that much farther north than I am (Tennessee) and we have several different poisonous snakes. Cotton mouths, Cop...
by Crow Hunter
Wed Jul 16, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 3952

Re: Why I can't be a day trader.

Can I purchase mutual fund shares when the IRA is a brokerage account? Yes, Vanguard will automatically open another mutual fund account within the inherited IRA for you in that case. You will already have one mutual fund account in the inherited IRA: The Vanguard Prime Money Market mutual fund. AH...
by Crow Hunter
Wed Jul 16, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

Right now I am having to wait for the transaction to settle on the the ATT stock sale before I can buy shares of Total International but when I do, I assume it will move the money out of the brokerage sweep account and put it into my Vanguard taxable account. Which are different account numbers. If...
by Crow Hunter
Wed Jul 16, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

I definitely don't want to be a day trader. I know I can't overcome my own nature that much. Do you get this worked up when toilet paper goes on sale the day after you just stocked up? This isn't a financial issue. If you can't control yourself maybe you should get professional counseling. If I jus...
by Crow Hunter
Wed Jul 16, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

Ah... the psychological part. Tricky! Your question is really how not to let "the market" fluctuations "get to you", correct? You can't really avoid it, but you can mitigate how it affects you. Please keep in mind that the mutual funds will generally do about the same as similar...
by Crow Hunter
Wed Jul 16, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

But I am honestly not sure if that is how any of it will work. (This is my first experience with a brokerage account and inherited IRAs) You could call VG and ask. It has been my experience to date that asking Vanguard questions results in a boiler plate answer that usually doesn't apply to the sit...
by Crow Hunter
Wed Jul 16, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

Good post. I rebalanced within the last few weeks. I actually keep track of both my current portfolio and the pre-rebalancing portfolio. Since equities have gone up since I rebalanced out of equities, I can see how much money I would've made if I had not rebalanced. Let me look … oh, about another ...
by Crow Hunter
Wed Jul 16, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

I got out of TIAA Real Estate Account on 12/08/2008 and put the money elsewhere in TIAA-CREF. I bought some of the TREA back on 6/2/2010. Not only do I track how I have done with my roundtrip in TREA but how the other part of the trade has done. Just tracking what you sold without tracking what you...
by Crow Hunter
Wed Jul 16, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

But I am honestly not sure if that is how any of it will work. (This is my first experience with a brokerage account and inherited IRAs) You could call VG and ask. It has been my experience to date that asking Vanguard questions results in a boiler plate answer that usually doesn't apply to the sit...
by Crow Hunter
Wed Jul 16, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

Good post. I rebalanced within the last few weeks. I actually keep track of both my current portfolio and the pre-rebalancing portfolio. Since equities have gone up since I rebalanced out of equities, I can see how much money I would've made if I had not rebalanced. Let me look … oh, about another ...
by Crow Hunter
Wed Jul 16, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

If the funds are now at Vanguard, why can't you use Vanguard mutual funds? (They also allow funds from many other mutual fund families, many with no transaction costs. But the selection of Vanguard funds should be more than adequate for your purposes at this point.) RM It is the moving from the bro...
by Crow Hunter
Wed Jul 16, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Why I can't be a day trader.

I inherited some AT&T stock from my Mother recently. After much thought, I decided that I would sell this position and move the money into Index funds per my asset allocation. So on Monday, the transfer to Vanguard was finally complete and I could sell it. I did some research and I saw that the ...
by Crow Hunter
Wed Jul 16, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: In a crash, will you re-balance to maintain your target

Yes I would, and I did, during both the 2001 and 2008 slumps. I didn't have any bonds but I did have international and small caps and some other random tilts. (I literally mean random) I pretty much kept my random asset allocation through the whole thing and rebalanced every time I logged on and it ...
by Crow Hunter
Mon Jul 14, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4116

Re: Neighbor's ugly overgrown bushes and fence

Can you plant evergreen trees that will eventually grow up and block your view of the whole thing?

Plus they will shade out or kill anything around it up to and including his bushes if you let them get high enough and get the right kind. :twisted:
by Crow Hunter
Mon Jul 14, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3196

Re: But why not 100% stock index fund?

So most of the responses are about the emotions involved with a stock market plunge. For myself, I panic-sold in 2000, and hung through 2008, so I have seen some ups and downs. I didn't mean to give the impression that I knew nothing about investing; I just wanted to generate some "why do I be...
by Crow Hunter
Mon Jul 14, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 6994

Re: Birthday gift for a 10 year old girl

I don't have a 10 yr old girl but I have an Xbox 360. Get the 250gb over the 4 gb. The smaller hard drive will be an extreme limitation and someone will wind up having to buy a bigger HD in the future. The XBox360 is the older generation game system and is not as "cool" graphics wise but w...
by Crow Hunter
Sun Jul 13, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1432

How to prepare for RMDs in an inherited IRA

One more Inherited IRA question. Based on research here I am holding the majority of the bond portion of my asset allocation in my inherited IRAs in a mix of TBM, Unit Trusts and individual bonds. Is it a better strategy to have the bond dividends pay out into a money market sweep account up to the ...
by Crow Hunter
Sat Jul 12, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: How to prepare for RMDs in an inherited IRA
Replies: 3
Views: 453

Re: Year of death RMD help

I inherited a previously inherited IRA from my Dad via my Mother. She did not take the RMD for 2014 before she passed away. So that RMD is required prior to the end of this year. I am in a unique sitation in that my brother has no income this year while I have my normal income plus some (from havin...
by Crow Hunter
Fri Jul 11, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Year of death RMD help
Replies: 5
Views: 865

Re: Gold, Silver, Copper

Throughout all times, all places, throughout all of history and long before it, every single culture in the world has always put a value on lead. The Bible mentions it in Exodus 15:10. The Romans prized it for the exquisite flavor and sweetness it adds to wine, and the flights of creativity it evok...
by Crow Hunter
Fri Jul 11, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Year of death RMD help

Just move your IRA to another vendor such as Vanguard. Then you won't need to worry about EJ push-back. I had a thread on the year-of-death deceased's RMD that you may find helpful: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=127077 Paperwork for my portion arrived at Vanguard yesterday...
by Crow Hunter
Fri Jul 11, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Year of death RMD help
Replies: 5
Views: 865

Year of death RMD help

I inherited a previously inherited IRA from my Dad via my Mother. She did not take the RMD for 2014 before she passed away. So that RMD is required prior to the end of this year. I am in a unique sitation in that my brother has no income this year while I have my normal income plus some (from having...
by Crow Hunter
Fri Jul 11, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Year of death RMD help
Replies: 5
Views: 865

Re: Gold, Silver, Copper

I sort out my old copper pennies and I am asking for a 1/2 oz gold eagle and a 1 oz silver eagle for my birthday from my wife this year because I have wanted one since first getting into D&D in grade school and there are no guns that I want this year.

Does that count?

:D
by Crow Hunter
Fri Jul 11, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: How I look at $ in the real world vs my retirement accou

Don't forget, you haven't "lost" anything until you sell. You aren't at your destination until you get off the bus. Just because the bus goes into a part of town you don't want to be in doesn't mean you have to get off there. :D In the mean time, just keep playing Candy Crush on your phone...
by Crow Hunter
Wed Jul 09, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5636

Re: Car did not start: To dispose? How?

Just one other quick thing that I didn't see mentioned above. If the vehicle is going to be sitting without being run for significant periods of time, as 1997 and 110,000k suggests, it would probably be a good idea to buy some Stabil and put it in the tank the next time you fill up. Especially if y...
by Crow Hunter
Wed Jul 09, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5466

Re: Car did not start: To dispose? How?

Just one other quick thing that I didn't see mentioned above. If the vehicle is going to be sitting without being run for significant periods of time, as 1997 and 110,000k suggests, it would probably be a good idea to buy some Stabil and put it in the tank the next time you fill up. Especially if yo...
by Crow Hunter
Wed Jul 09, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5466

Re: Want international exposure? You already have it.

My reasoning for investing in international is diversification. Vanguard Total Stock Market Index owns 3684 stocks. Vanguard Total International owns 5658 stocks. Owning both means that I have a stake in 9,342 companies. Owning only one or the other means I am losing diversification across all those...
by Crow Hunter
Wed Jul 09, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6291

Re: Replacing the front door to house

Depending on the direction your house faces, your latitude and the amount of overhang your front door has, upgrading to a higher quality door might make sense rather than trying to just get a new door. NFRC ratings (thermal performance) on higher end doors have greatly increased over the years and y...
by Crow Hunter
Tue Jul 08, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3042
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