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Re: On average, how often do you check your investment balan

I said once a month, but it's irregular. I'm afraid I'm apt to peek whenever there are postings in this forum suggesting that something dramatic has occurred. But I try to avoid looking at actual numbers and just glance at the miniature "balances over time" chart. That usually calms my ne...
by Crow Hunter
Thu Dec 18, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 41
Views: 1897

Re: Helping out family members

Blood is blood. That being said, I give hand ups not hand outs. If I am going to be helping, I am going to decide how I am helping. I would expect to see a budget and where the shortfall is and help them get beyond the point that they need help. If they have a good plan and stick to it and things ar...
by Crow Hunter
Thu Dec 18, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 47
Views: 2899

Re: Buying "timing" question

Technically by the numbers my allocation calls for more domestic stock. I should beat 48.3% and I am at 45.3% and dead nuts on my International and 3% high on bonds. I guess I should really just stick to the plan and do the Roth. I just keeping thinking that there is a good deal on International. S...
by Crow Hunter
Wed Dec 17, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 10
Views: 823

Re: Buying "timing" question

While I could put TISM into the Roths, I like the simplification of only have Total International in taxable and a single inherited IRA that I will eventually move 100% into taxable. So what would the Borg do? I would not pay taxes on TISM for a year on account of that simplification. Particularly ...
by Crow Hunter
Wed Dec 17, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 10
Views: 823

Re: Buying "timing" question

Is your AA 100% stocks? If your 401k contributions are going mostly to S&P 500, you may need to hold more bonds in the total portfolio. If this is the case, I'd suggest applying the new IRA contributions to bonds to get your stock/bond mix to target. IMO, stock/bond ratio is more important than...
by Crow Hunter
Wed Dec 17, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 10
Views: 823

Buying "timing" question

I have some cash that I will have available at the first of the year. I had planned on contributing this to my and my wife's Roth IRAs which is invested in Total Stock Market. However, projecting out through the end of next year, I will be at or above my AA for domestic stocks with no growth because...
by Crow Hunter
Wed Dec 17, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 10
Views: 823

Re: Bogle on CNBC 12-16-2014: 100% USA squity

Jack Bogle ,CNBC, 12-16-2014. 2. Half of US companies have exposure internationally. I don't know the exact numbers, but I have no trouble imagining that half of Japanese companies have exposure internationally as well, and did so a couple decades ago. Regardless, diversification is fundamental. I ...
by Crow Hunter
Wed Dec 17, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3483

Re: RBD in Emerging Markets Brewing

selftalk wrote:What is RBD?


Really Bad Day

It was a good day for me yesterday. I doubled my capital losses for this year. :D
by Crow Hunter
Tue Dec 16, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 33
Views: 2533

Re: [Purchasing a Bolt-Action] Rifle

Asking what brand of rifle to buy is a lot like asking what brand of car to buy. Each brand has followers and fans, as well as detractors. You can do well with any of the major brands indicated - Remington, Winchester, Ruger, Savage, Tikka (did I miss any?). As mentioned, Savage has a reputation of...
by Crow Hunter
Tue Dec 16, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 30
Views: 2904

Re: Would you invest $2500 or ?

My brother is a knucklehead and currently incarcerated. I promised my late Mother that I would take care of all of his business while he is in prison and help him get back on his feet when he got out but both she and I agreed that he gets one "do over". If he gets out of prison and is stup...
by Crow Hunter
Tue Dec 16, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1469

Re: Selling Vehicle of Deceased

Look into the state laws (DMV)where your FIL passed away. http://www.dmv.com/ia/iowa/title-transfer They should have a mechanism by which heirs can gain the title to vehicles. Follow those instructions and then sell the vehicle and transfer the clean title to the new owners. I don't think you will b...
by Crow Hunter
Tue Dec 16, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling Vehicle of Deceased
Replies: 26
Views: 1919

Re: Should we keep all bonds in inherited tIRA?

One is from my Father that has a RMD rate based on his age, so it has a much larger RMD requirement. How were you able to do this? I thought any non spousal inherited IRAs had to go by the new owner's lifespan to calculate the RMD. I inherited my father's IRA and I am fairly certain the RMD is base...
by Crow Hunter
Tue Dec 16, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 528

Re: Should we keep all bonds in inherited tIRA?

I can tell you what I do, for what it is worth. I have 2 inherited IRAs. One is from my Father that has a RMD rate based on his age, so it has a much larger RMD requirement. The other is from my Mom which has a much smaller RMD based on my age. My Father's IRA is 100% bonds. I keep roughly 2/3 bonds...
by Crow Hunter
Tue Dec 16, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 528

Re: RBD in Emerging Markets Brewing

This is somewhat good news for me personally. I am TLH today into Total International. So it is possible that the emerging markets portion will drag down it's share price and not so much the FTSE Total Ex-US that I am TLH out of. Thanks to Livesoft I get excited when I "lose" money. :mrgre...
by Crow Hunter
Mon Dec 15, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 33
Views: 2533

Re: [Purchasing a Bolt-Action] Rifle

If mostly target shooting and maybe some deer hunting go with a heavier barreled rifle. The additional weight will help with recoil and the heavier barrel will take longer to heat up. If you are going to do more hunting (read carrying) than target shooting go with a sporter weight barrel profile. Al...
by Crow Hunter
Mon Dec 15, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 30
Views: 2904

Re: What is your opinion about "tilting?"

I don't tilt because I don't think I understand it well enough to do it right and I don't need to take that much more risk to hit "my number".
by Crow Hunter
Fri Dec 12, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 110
Views: 7274

Re: Poll: Your Portfolio Tax Diversification

16.72% Taxable
6.62% Roth
76.66% Traditional

As of close of business yesterday. (I just updated my spreadsheet this morning) :D
by Crow Hunter
Wed Dec 10, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2421

Re: Telephone SCAM

I like scam calls unless I am busy doing something else. I usually string them along and then I start with the offensive questions. Like asking them "Granny, French or Thong"? They usually hang up on me. Sometimes I tell them I have a competing product and start doing a sales pitch. Someti...
by Crow Hunter
Wed Dec 10, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Telephone SCAM
Replies: 18
Views: 1329

Re: TLH and Dividends (timing question)

You do not want to get the dividend for FTSE at all costs since it is unlikely that you will meet the 61 day holding period for any of the qualified dividends it pays to remain personally qualified to you. Alternatively, make sure you hold the FTSE for at least 61 days if you do get paid its divide...
by Crow Hunter
Wed Dec 10, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH and Dividends (timing question)
Replies: 9
Views: 500

TLH and Dividends (timing question)

It looks like I will be able to capture another ~$2,500 TLH on my international before the end of the year. I TLH'd into FTSE from Total International and after Thursday I could TLH back into Total International (my preferred holding) assuming the market doesn't zoom back up. The question I have is ...
by Crow Hunter
Wed Dec 10, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH and Dividends (timing question)
Replies: 9
Views: 500

Re: Have you ever been let go?

I got "fired" from Electronics Boutique when I was in college. They claimed that I "stole" $5 and asked me to resign. I didn't steal anything. I am dyslexic with numbers at times and I am pretty sure I entered something wrong on a return and gave someone back more money than I wa...
by Crow Hunter
Tue Dec 09, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5447

Re: Selling brokered CDs, corporate bonds, and muni bonds?

I was/am in a similar situation although mine is MBS, UITs, Muni bonds and corporate/Agency bonds. I am keeping them based on my research. They are all earning 4.5%-6%. Too much of a haircut to sell (especially the UITs), so I am setting on them until they either get called or they mature and then I...
by Crow Hunter
Mon Dec 08, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling brokered CDs, corporate bonds, and muni bonds?
Replies: 6
Views: 510

Re: Vanguard GNMA Fund vs. Vanguard Total Bond Fund

I am not sure about a mutual fund but I have inherited individual MBS bonds that have a final maturity in the 2030's. I am constantly getting principal back. Since inheriting $65,000 worth of them in early June I have already had $5,000 worth of principal paid back. Granted these are ~5 to 5.5% bond...
by Crow Hunter
Fri Dec 05, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard GNMA Fund vs. Vanguard Total Bond Fund
Replies: 20
Views: 1490

Re: Giving money to your alma mater: Have to vent

I also refuse to give donations to colleges. They didn't "give" me a degree, it was paid for. My wife's college is the worst. They hound us all the time. What really ticks off my wife is that they send the requests to Mr. and Mrs. <My First Last Name> instead of her. :D I never went there ...
by Crow Hunter
Wed Dec 03, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16450

Re: I need to stop looking at the market everyday!

I "had" to check today because the first of every month I have to reinvest dividends and capital returns. (Good problem to have :wink: .) I didn't do it yesterday because I spent most of the day playing a video game with a buddy after getting out of a doctors appointment. :D I also switche...
by Crow Hunter
Tue Dec 02, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 33
Views: 2915

Re: Inheriting IRA at a young age

But withdrawing more to augment the emergency fund is not necessary. The inherited IRA is already a good emergency fund. Let the EF grow slowly on its own. Not meaning to hijack but thanks for this. :beer I just realized that I am really "doing this wrong" tax wise by holding bonds in my ...
by Crow Hunter
Tue Dec 02, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Inheriting IRA at a young age
Replies: 12
Views: 1055

Re: When do you feel comfortable financially to have kids?

After I was settled in my career and we had a nice buffer built up we had been married about 7 years.

Then we found out that she couldn't have children...

Had we started earlier, we would have had a MUCH better chance.

Don't wait too long.
by Crow Hunter
Sat Nov 29, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4256

Re: What 401k does to your IRA - Roth IRA contribution limit

If it were me, I would max out my 401k contribution, unless your options within the plan are truly terrible. Although you may not have time to do that before the end of the year. You could drop your MAGI to $95,500 with a maxed out contribution vs $111,400 with only a $7,100 contribution. That would...
by Crow Hunter
Wed Nov 26, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: What 401k does to your IRA - Roth IRA contribution limit
Replies: 14
Views: 1469

Re: Living below my means, means…

To me "Living below your means" means that over time as my income increases I don't increase my spending to match it. I often tell people that my wife and I still have the same lifestyle we had when we were in our 30's (we're in our 50's now). That's LBYM to me. This is how I interpret it...
by Crow Hunter
Tue Nov 25, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2708

Re: Avoiding lifestyle creep

I just found out I'm getting an off-cycle raise of $9k. I will probably get another few thousand during our normal raise/merit period in the spring. Yeah for me!! DH is a SAHD. I make a good income. We max out or tax advantaged space (17.5k in 401k, 5.5k in each Roth). We have a nice lifestyle driv...
by Crow Hunter
Tue Nov 25, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5428

Re: Been out of market since 2008 and can't get back in

Before the crash in 2008, I sold out my stocks in my retirement account and I have been in the money market ever since. If I had done nothing, I would almost have 2 times what I have in my account now. I would appreciate knowing what the simplest portfolio and allocations and the simplest way bring...
by Crow Hunter
Tue Nov 25, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 52
Views: 5265

Re: Dog food - how cheap is too cheap?

My dogs have a very varied diet. 2 mostly Lab mixes. As a base they get one of 2 Iams brand large breed dog foods. Whichever the store happens to have when my wife goes to buy it. They prefer the smaller stuff in the red bag over the larger sized kibbles in the green bag for whatever reason. They ge...
by Crow Hunter
Tue Nov 25, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 5734

Re: Strategically not paying medical bills for 90 days for a

I had an acquaintance tell me they don't pay their medical bills right away so they can negotiate upwards of a 50% discount. This person has the ability to pay. Has anyone hear of this? I tried doing Internet research and didn't find anyone else strategically paying medical bills late. I originally...
by Crow Hunter
Tue Nov 25, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 3930

Re: Investment interest expense and muni bonds

NB. Mortgage interest IS deductible, regardless of whether or not you own muni bonds. This is incorrect. To quote from Turbotax as a convenient source: "If you used the proceeds of a home mortgage to purchase or "carry" securities that produce tax-exempt income (municipal bonds) , or...
by Crow Hunter
Mon Nov 24, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 8
Views: 1072

Re: My grown up Christmas wish-A Warm House

Tapestries?

Or the modern equivalent.

Possibly on the windward walls only?
by Crow Hunter
Mon Nov 24, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 3222

Re: Any Bird Experts?

We had an issue with barn swallows trying to build nests on our front porch. If they didn't leave huge piles of poop on the steps I would not have minded them being there. My wife hung an Angry Birds (oh the irony) wind chime up that has a pig head on it. She turned it so the pig was looking at the ...
by Crow Hunter
Thu Nov 20, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 1610

Re: Gold And Silver As A Currency Hedge?

Does silver have any real use except for high-priced cutlery etc. Silver mining helped the Spanish maintain the dominance of the New World often at the expense of the indigenous population. Yes. https://www.silverinstitute.org/site/silver-in-industry/ One of the most interesting properties is the a...
by Crow Hunter
Tue Nov 18, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 13457

Re: Investment interest expense and muni bonds

IRS Pub 550 might help: http://www.irs.gov/publications/p550/ch03.html If you borrow money to buy property you hold for investment, the interest you pay is investment interest. You can deduct investment interest subject to the limit discussed later. However, you cannot deduct interest you incurred ...
by Crow Hunter
Tue Nov 18, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 8
Views: 1072

Re: Investment interest expense and muni bonds

Hi, I see nobody has answered you so I'll chime in. Let's see if responding brings your question up to the top again. Here are my more general comments: Borrowing money for the purpose of investing is not a Boglehead protocol. http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy I ...
by Crow Hunter
Tue Nov 18, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 8
Views: 1072

Re: Gold And Silver As A Currency Hedge?

The assertion that gold has been "eternal money" is a trope that often evolves into exaggeration. "100,000 years"? Please, there's no evidence at all that human beings used any sort of exchange media before the dawn of settled agriculture around 10,000 years ago. At that point, ...
by Crow Hunter
Mon Nov 17, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 13457

Re: How Not to Retire

He has given us something to discuss and think about. For that we should be thankful. He is also still alive. My folks were dead at his age. Perhaps his next article will be a wonderful celebration of the joys of being alive. This +1000. My Father never got to travel to Europe or even fly in a plan...
by Crow Hunter
Mon Nov 17, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 7967

Re: Does anyone here make "fun" purchases.

There is no way that I would pay $5,000 for a set of curtains. :shock: However, it is unlikely that you and I have the same tastes in "fun". You probably wouldn't pay $680 for a new Inox Beretta 92 Compact or ~$1,200 for a gold coin. (Both things I am contemplating now) Neither one of us r...
by Crow Hunter
Fri Nov 14, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8477

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

Is this a "I have a degree in English and experience writing magazine articles for Cosmo and I was hired by NASA to design a Mars Lander from scratch." Or is this a "I have a degree in Mechanical Engineering and experience designing HVAC systems and I was hired by a Civil Engineering ...
by Crow Hunter
Fri Nov 14, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5058

Re: Question about my first tax loss harvest

I decided to let it sit as cash in my bank account instead of finding a different fund. So I take it subsequent sells don't trigger a wash sale. That's a relief. Although I also forgot that even if it were a wash, it only washes the amount of the wash sale, not the entire transaction (thanks rkhusk...
by Crow Hunter
Thu Nov 13, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about my first tax loss harvest
Replies: 6
Views: 316

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

Fresh into my 40's. Have chosen to not have kids and do not regret one iota. You're not required to have kids. I now understand "midlife crisis" and now see how dumb I was making fun of those people when I was in my 20s'. Your mind still thinks it's 20 but your body loudly protests. I get...
by Crow Hunter
Thu Nov 13, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17080

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

To me, it depends on what the pay/bonus differential between you and the lower paid employees are. I know of a local company where the rank and file got a $500 "bonus" while the managers got $150,000 up to a $1,000,000+ bonuses. In that type of a situation, I would be much more apt to be g...
by Crow Hunter
Thu Nov 13, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10693

Re: Very heavy

A Japanese Type 99 Machine gun? Firing or deactivated? WWII bring back? Yes. Assumed firing, but we had no ammo. If we had, we would have used it. 3rd grade boys are crazy. Yes. Todd's father brought it back. GIs brought back the most amazing items. We did not play with it much as it was way too he...
by Crow Hunter
Thu Nov 13, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5145

Re: Obligation to Parents?

I come from an Asian background and my husband is white. My parents were frugal and managed to save up over a million for retirement on a blue collar salary. So yes, you could say there were responsible. However, due to my sibling basically defrauding them of all their money, and then some serious ...
by Crow Hunter
Thu Nov 13, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4230

Re: Question about my first tax loss harvest

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

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

I just did the same thing earlier this week.
by Crow Hunter
Thu Nov 13, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about my first tax loss harvest
Replies: 6
Views: 316

Re: Obligation to Parents?

Considering I lost my Father 10 years ago at 62 and my Mother this May at 68, I would give all my money to have them back. My wife's parents are similar to your in-laws. They don't have much by way of retirement savings and are facing a serious health issue of their own now. I am willing to support ...
by Crow Hunter
Thu Nov 13, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4230
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