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Re: "I've had it" at work - how often

placeholder wrote:Nobody can force you to work 60 hours a week so if that's a major source of unhappiness and you're thinking of leaving anyway just start working 40 and tell them that's the way it is and see how it goes.


I have been doing this from the time I started working at my new company. It works.
by Crow Hunter
Tue Oct 21, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 143
Views: 10446

Re: What is the best way to sell guns and get the best price

It depends on the type and the desirability of the guns. If they are just run of the mill extremely common rifles/shotguns, your best bet would be to sell locally via classifieds. Honestly, you probably won't get enough of a premium selling them to waste your time and might be better off taking it t...
by Crow Hunter
Tue Oct 21, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 790

Re: How do you wash your car?

...................To answer the question regarding never wash / wax the car: bird dropping, saps, etc erodes the clear coat. You'll have more chance of clear-coat peeling off if there's no wax on the it and those elements are never removed. If you don't care about the appearances, then I guess it ...
by Crow Hunter
Mon Oct 20, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 102
Views: 3608

Re: How do you wash your car?

I rarely wash it. Maybe once or twice a year when my wife will start washing them and I feel guilty so I go and help. If she doesn't start washing I won't. :twisted: Now I keep in interior immaculate but I could really care less about the exterior. As soon as I wash it, it will get dirty again. I ha...
by Crow Hunter
Mon Oct 20, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 102
Views: 3608

Re: "I've had it" at work - how often

I am 41 and I have been in engineering for 17 years. 7 years for my current employers. I occasionally have that feeling, maybe 1 or 2 times a year. Usually it is while I am dealing with Marketing. (Think 7 Red lines) :D My current job is stimulating (lots of creative and testing time) job and I only...
by Crow Hunter
Mon Oct 20, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 143
Views: 10446

Hypothetical TLH question

Can you get into a wash sale issue if say on the 15th of a month you TLH a S&P 500 Index fund in your taxable account with fund company A but on the last day of the month you make an automatic 401k contribution to your 401k that happens to have a S&P 500 Index fund at fund company B. Wouldn'...
by Crow Hunter
Fri Oct 17, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Hypothetical TLH question
Replies: 2
Views: 245

Re: Re-entering market - all at once, or over time?

I recently went "all in" with a much, much smaller inheritance. I realize that it was the best thing to do, but if I could go back in time and do it over again, I would DCA it over a year. I would feel much better about it rather than having that, "If I had just waited one more day&qu...
by Crow Hunter
Thu Oct 16, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 913

Re: Headed for a 300+ point loss today?

I am one of the peekers. I am supposed to be at 69/31 according to my IPS but I was actually 71/29 'ish prior to this downward trend. Now I am sitting at 68/32'ish. Still trying to decide if I should use the cash that I am saving up for my Roth contribution after Jan first to do some opportunistic b...
by Crow Hunter
Thu Oct 16, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27810

Re: Preventing animals from chewing through garage threshold

Unfortunately, we are all allergic to cats and I used to own several when I didn't know I was allergic. There are also a lot of skunks in my neighborhood, a hazard for dog owners. One the neighbor's dog is not all that bright. Every week, it has to live in the garage because it attempts to go after...
by Crow Hunter
Wed Oct 15, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1431

Re: Recent statistics of college majors

Well, I’m an electrical engineer, and I don’t think we should discourage anyone who wants to give an engineering degree a shot... I was a teaching assistant (TA) in the Thermodynamics course for three semesters at a flagship state university. The course was mandatory for all engineering specialties...
by Crow Hunter
Wed Oct 15, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2637

Re: Ebola preparation

Water is what you have to worry about. Drinking water and sanitation water. Do you you think that water would be contaminated? Or you think that water would be shut off? Victoria Either/Or. Water is the thing that you have to have survive. You will die of dehydration long before you starve or even ...
by Crow Hunter
Tue Oct 14, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2220

Re: Ebola preparation

To the OP. Water is what you have to worry about. Drinking water and sanitation water. People can go a LONG time without food. Especially Americans. :wink: Plan on being able to stay in your home until the incubation period has passed, at least. (I believe that is 2 weeks IIRC) Enough food and water...
by Crow Hunter
Tue Oct 14, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2220

Re: Buy a new car, or fix the old one?

In other words the statistical probability of a person who's car is not physically worn out before it needs to be replaced for safety obsolescence is much more likely to need to spend that money with other safety issues in their life than to buy a new car for safety features alone. Not a sound argu...
by Crow Hunter
Tue Oct 14, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2921

Re: Another Rebalancing Question

Yeah. I think that my plan is going to be to do an annual rebalance as long as the Cost Basis is green on the asset that I am over on and just leave it alone if the Cost Basis screen is red on the high number. For instance, right now, if I were going to rebalance, I would just leave it alone because...
by Crow Hunter
Tue Oct 14, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Another Rebalancing Question
Replies: 2
Views: 306

Re: Buy a new car, or fix the old one?

Now I have never put numbers to it, but in my mind, the likelihood of a person being injured in a car crash is directly proportional to the time spent in the car and therefore, the likelihood of a car outliving its safety features would be a statistical outlier to a person who drives it so little th...
by Crow Hunter
Tue Oct 14, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2921

Re: Relatively new here. What did you do in 2008/09

I didn't do anything in 2008/09. Would've rebalanced, but was 100% equities. Same for me. When I finally recovered back to my pre-crash levels I found this site and switched my AA to 80/20. I wish I had done it in 2007 when I rolled my 401k over to Vanguard, when I wanted to put it in Target Retire...
by Crow Hunter
Tue Oct 14, 2014 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6701

Another Rebalancing Question

If you do an annual rebalance, do you reallocate to your target AA no matter what or do you only change something if it is greater than your +/-%? My current plan is to evaluate and rebalance on the first trading day after I have taken the RMD for my inherited IRAs, which will be the first trading d...
by Crow Hunter
Mon Oct 13, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Another Rebalancing Question
Replies: 2
Views: 306

Re: Invest earlier or stick with the plan?

Don't you have any other investment accounts like a 401k with which you could rebalance? I have not actually reached any rebalancing bands yet. I was just going to invest in what I am currently off target the most on. Currently I am 1.9% off target on International and high on Bonds/Domestic Stock....
by Crow Hunter
Mon Oct 13, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Invest earlier or stick with the plan?
Replies: 5
Views: 328

Invest earlier or stick with the plan?

I have a cash amount that I have been building up in my checking account. The plan as it currently stands is to make my 2015 Roth IRA contributions for myself and my wife after the first of the year. If the market continues on it downward slope for the next several weeks, would it be a bad idea to t...
by Crow Hunter
Mon Oct 13, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Invest earlier or stick with the plan?
Replies: 5
Views: 328

Re: Buy a new car, or fix the old one?

You're right -- a Sentra might not be worth it. I've got a Maxima, so perhaps more worth it. Minor observation: a car that gives you a $1,200 repair bill after 90,000 miles has not treated you well. Sounds like you got a bad Nissan / bad car. (12 years old isn't that old either; the average age of ...
by Crow Hunter
Mon Oct 13, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2921

Re: Buy a new car, or fix the old one?

I would get more information about the issue first. A rack and pinion is a type of gear. Gears don't leak. :wink: Most cars do have a rack and pinion power steering system. If you have a leak in your power steering system, you might be able to mitigate that cheaper if you find out precisely where th...
by Crow Hunter
Sun Oct 12, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2921

Re: Real life windfall experiences?

I received an inheritance earlier this year. It wasn't enough to retire right now but it does significantly reduce the amount of time before I can retire. I wish that I had dollar cost averaged once per month over a year instead of going "all in" at what was apparently the height of the ma...
by Crow Hunter
Wed Oct 08, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4278

Re: Best Place To Buy Actual Gold Coins

I don't care if they're American Eagles, Krugerrands... All I care about is the gold content You'll almost always get more gold for your money by buying krugs, as there's a slight premium for American Eagles. If you plan to sell these back some day, you're likely to get the Eagle premium back. Howe...
by Crow Hunter
Wed Oct 08, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2216

Re: Best Place To Buy Actual Gold Coins

I like JMBullion and Apmex. I have used them both in the past. I don't think that you will be able to find actual coins that don't have a premium over spot price. I think you might be able to get a lower premium buying just assayed gold from Pamp Suisse or the like. Part of the premium that you are ...
by Crow Hunter
Tue Oct 07, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2216

Re: [Medallion Signature Dilemma, Assistance Requested]

I had a recent similar experience with my bank. My mother passed away and because my brother is incarcerated, I had to do all his banking stuff as well. One branch pretty much just said "Ok" every time I asked for a Medallion, and stamped it and went on. At the main office, however, I had ...
by Crow Hunter
Mon Oct 06, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: [Medallion Signature Dilemma, Assistance Requested]
Replies: 15
Views: 1501

Re: Why I sold my gold, and would sell commodities too

' gold coins Probably because you have lost them overboard in that very dangerous lake! I don't know if you're serious. It seems some people seriously believe there's no scenario where paper asset values could be fatally compromised, including in a relatively orderly and democratic way 'for the gre...
by Crow Hunter
Fri Oct 03, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5185

Re: Why I sold my gold, and would sell commodities too

Down another 6% since I bailed on Sept 5. (Oh, and so are commodities) So far, I'm feeling good. Actually I was looking at that today. I told myself when it got down to $1,100 and ounce I was going to buy some. At this rate, I might hit my trigger earlier than I thought. If it keeps going down, I m...
by Crow Hunter
Fri Oct 03, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5185

Re: Is my husband a spendthrift? Or I a tightwad?

If you don't sharing, without getting into more detail than you want, what type of job do you work and in what general area of the country that allows you to bring in that type of income with only 30 hours/week? I am an engineer and my wife is an HR manager at a fairly large company and both of us c...
by Crow Hunter
Fri Oct 03, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15720

Re: Get some Exercise!

I made my own standing desk at work. Much better than sitting. Now I can't stand to work and sit. I also walk at least 1.5 miles per day. I am going to up that to 3 miles once it cools off some and I can walk on the walking track at work on my lunch break. I need to start back to lifting weights som...
by Crow Hunter
Fri Oct 03, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2419

Re: How Long Should I Keep My Car?

I or my wife have always had a fairly long commute. I target 300,000 miles but I haven't hit that yet. :D My best was my wife's 2001 Corolla. I got 234,000 miles before I hit a patch of black ice and got intimate with a pine tree at 35 MPH. It technically was probably fixable, but I got somewhere no...
by Crow Hunter
Thu Oct 02, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4082

Re: LED Flashlights

If you just want something to get around the house after the power goes out, just get a crank light. You never have to worry about the batteries and it is more than bright enough to navigate around the house. That is what we have next to the bed for when we lose power in storms. Now for the bump in ...
by Crow Hunter
Wed Oct 01, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3667

Re: LED Flashlights

I personally like Surefire. I have 4 or 5 of the 6P LEDs and I have a couple of their X300 weapon lights and a small single cell one on a pocket clip that I carry with me all the time. I have never managed to break one. They can be on the expensive side though. Their G series lights have plastic ins...
by Crow Hunter
Wed Oct 01, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3667

Re: When should someone "not stay the course"?

InvestorNewb wrote:Thanks for the replies. I bought more international today with the dividends that were paid out yesterday.


Good!

Me too.
by Crow Hunter
Wed Oct 01, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2550

Re: Should I include this in my net worth?

Man, I so wish I had gone with a government job sometimes.

I think that is darn near all the vacation that I have ever taken since I have started working.

I am so jealous. :D
by Crow Hunter
Wed Oct 01, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 2965

Re: Buying more when markets are down

I had the same question last week. I had a dividend from my Total International that was sitting in my sweep account.

I waited until today, my normal investment day per my IPS and combined it with my other dividends that are paid on the last day of the month.

I am happy I waited. :twisted:
by Crow Hunter
Wed Oct 01, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5145

Re: When should someone "not stay the course"?

Or you could be like me and invest quite a bit lump sum at almost the yearly high and then watch it drop like a rock. I am down $8,000 to date. I am just hoping it stays down through tomorrow when it is time to buy more. :mrgreen: I have been investing in International since I started investing in 1...
by Crow Hunter
Tue Sep 30, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2550

Re: Vanguard: "Don't let debt delay or derail your retiremen

I think this is a good article for entry level savers or people who aren't really interested in their retirement savings versus most Bogleheads. I am sorry that some people find it insulting but listening to my wife on a daily basis (she is an HR manager) and hearing what people come to her about an...
by Crow Hunter
Tue Sep 30, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2237

Re: Bogleheads, help me be less afraid of international stoc

Also, keep in mind, that as an index as those things you are afraid of come to pass and other countries gain more value they will surpass the countries that aren't doing so well. I hope that just like there is a chance that 2 or 3 stocks in the Total Market Index fund (Like Google and Apple) are goi...
by Crow Hunter
Tue Sep 30, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 53
Views: 3692

Re: Lakefront property with small children?

My neighbor has an eight year old and a 3 year old. My neighbor across the lake has 3 kids (I don't remember their ages but none over 8). I grew up on a farm and around farms with stock ponds. As odd as this sounds there is a difference between a pool and a lake. Kids will be attracted to a pool bec...
by Crow Hunter
Tue Sep 30, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2105

Re: Maybe going back to cash isn't such a bad idea

Not using a credit card isn't going to help you.

I just got a letter in a couple of weeks ago that said my doctor's office was hit by Chinese hackers but "they didn't think" that it would be a problem but they provided free credit monitoring for a year.
by Crow Hunter
Tue Sep 30, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Maybe going back to cash isn't such a bad idea
Replies: 18
Views: 2036

Re: How can I stop feeling depressed about my finances?

I've read a paper about the Facebook depression . People report on Facebook the best parts of their lives. When you read about the best parts of many people's lives, you tend to think that everybody has a better life than you do. Understanding how Facebook works does not help dealing with the Faceb...
by Crow Hunter
Tue Sep 30, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13911

Re: How can I stop feeling depressed about my finances?

If it makes you feel any better.

Seeing all these responses of people who are making 2X what I am or more and I DO have a STEM degree kind of makes me depressed too. :|

:sharebeer
by Crow Hunter
Mon Sep 29, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13911

Re: How can I stop feeling depressed about my finances?

You must live in a HCOL area. I have a STEM degree and 15+ years experience and I don't make 2X what you are making now. What you are making right now is a very good salary where I live. Remember, "it's not what you make; it's what you keep." People who make a lot more than you do often en...
by Crow Hunter
Mon Sep 29, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13911

Re: Need advice on investment with loaned money

HomerJ wrote:
trueblueky wrote:What is the interest rate on the loan?


Until we know this, it's impossible to give you any advice.


Not only that but also loans at less than market rates (most often from family) can have some tax consequences which at that $ amount may draw the eye of the IRS.
by Crow Hunter
Mon Sep 29, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on investment with loaned money
Replies: 12
Views: 878

Re: R u selling PIMCO bond fund

I actually did earlier in the year. I did it because I was reorganizing my AA because of inherited assets but I specifically went out of my way to avoid using PTTRX. Right now I only invest in our pitiful S&P Index fund in my 401k and just rebalance in my Vanguard accounts to keep my AA. I would...
by Crow Hunter
Mon Sep 29, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 25
Views: 2745

Re: Starting a railroad career

My brother and several friends were/are working for CSX both as engineers and as conductor/brakemen. Before they could be hired they had to pay out of pocket (~$5,000) for training in Atlanta (near Peachtree City) for 2-3 months. If they went on and were hired, they were reimbursed. If not, they wer...
by Crow Hunter
Mon Sep 29, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1637

Re: What did you always wish for but never got?

I actually can't remember not getting anything that I really, really wanted but I also didn't really want much and nothing that was really expensive. I was even frugal in asking for gifts as a child. However, my Mother had the ability of getting me things that I never knew that I wanted. I remember ...
by Crow Hunter
Fri Sep 26, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5280

Re: Unexpected Emergency

In my next life, I'm going to come back as an oral surgeon or dentist....... :moneybag :dollar :moneybag My best friend is a dentist. She hates it. The part that bothers her the most is the fact that everyone hates her. No one likes their dentist. I would definitely look at the possibility of havin...
by Crow Hunter
Fri Sep 26, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3296

Re: Bill Gross moving from PIMCO to Janus, Monday

Although, as a captive of PTTRX in my deferred benefit plan at work, it would be a blessing if this news tweaked the administrators enough to switch to a better choice, like VBMIX. -- Tet I am in the exact same position. All I have is PTTRX or a Stable Value that is paying less than my checking acc...
by Crow Hunter
Fri Sep 26, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 9999

Re: Buy today or stick to plan?

This is kind of what I was thinking but I wanted to see what the consensus was from the Borg. My God is this the Borg? Yes. The collective wisdom of Bogleheads.org. Shortened by some to BH.org. Shortened further to B.org. Now you see the truth and realize that your resistance is futile. You will be...
by Crow Hunter
Thu Sep 25, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2846
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