Search found 635 matches

by Crow Hunter
Wed Aug 26, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Old friends (High School, College) not talking anymore?
Replies: 12
Views: 2230

Re: Old friends (High School, College) not talking anymore?

I have noticed that people just drift apart. My wife seems to be an odd exception in that she is still in contact with her 2 best friends from grade school fairly regularly. There is only one college buddy that I am in contact with and she and I didn't really talk for probably 10 years. Even now a l...
by Crow Hunter
Tue Aug 25, 2015 7:17 am
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 262
Views: 34380

Re: Warning Signs [Economic health indicators]

Just heard on the radio: "Investors are rushing to safe havens like gold". There you go, news you can use. L. :twisted: They are getting a good deal too, since gold is down so far today, and so is silver. Which is lucky for me because my wife is going to be buying me a ATB 5oz coin for my...
by Crow Hunter
Mon Aug 24, 2015 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Triggered a wash sale -- question!
Replies: 8
Views: 590

Re: Triggered a wash sale -- question!

http://fairmark.com/capgain/wash/wsreplac.htm

This site has the best explanation of the different variations in simple language that I have seen.

Maybe it can help?
by Crow Hunter
Mon Aug 24, 2015 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Another "Is this a wash sale?" with quirks
Replies: 5
Views: 373

Re: Another "Is this a wash sale?" with quirks

I don't think so, but I am not an expert by any means. Since, if I am reading this correctly, you didn't keep any of Fund X in either the IRA or the taxable account, I don't see how it could be considered a replacement. I would think your "replacement" would be Fund Y, which I'm assuming i...
by Crow Hunter
Mon Aug 24, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384928

Re: U.S. stocks in freefall

if I bought VWO a week ago, can I TLH today? I know I cannot re-buy the same or similar fund for 30 days to make it count. But wasn't sure if I also have to hold for 30 days as well. Yes, no holding period requirement. You can TLH a bad am buy in the pm. Are you sure about that? I always thought th...
by Crow Hunter
Mon Aug 24, 2015 11:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384928

Re: U.S. stocks in freefall

If you bought S&P 500 at 9:30 AM this morning you would be up 5.5% at this point in time. I did. I am. Such an unusual experience. I'm more familiar with this: Buy VWO/VSS/VEU, they drop, I TLH. I must have done something wrong this time and may have even ruined this flash crash for everyone. S...
by Crow Hunter
Mon Aug 24, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 262
Views: 34380

Re: Warning Signs [Economic health indicators]

Just heard on the radio: "Investors are rushing to safe havens like gold". There you go, news you can use. L. :twisted: They are getting a good deal too, since gold is down so far today, and so is silver. Which is lucky for me because my wife is going to be buying me a ATB 5oz coin for my...
by Crow Hunter
Fri Aug 21, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2009
Views: 384928

Re: U.S. stocks in freefall

Is it time for plan B yet? After digesting a variety of threads from the past week I've decided to sell off all my equity holdings and use the proceeds to purchase silver bars and a handgun. I'm planning to stuff the silver and gun along with 20k in cash that I've been keeping around my house "...
by Crow Hunter
Fri Aug 21, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: 2nd TLH opportunity
Replies: 6
Views: 493

Re: 2nd TLH opportunity

Vanguard's frequent trading policy requires you to wait 60 days before you can buy back into the same mutual fund if you transact online or by phone. As a result, you are somewhat limited by how frequent you can do TLH, so pick wisely. :-) On the other hand, ETFs don't have such restrictions and yo...
by Crow Hunter
Fri Aug 21, 2015 10:51 am
Forum: Investing - Help with Personal Investments
Topic: 2nd TLH opportunity
Replies: 6
Views: 493

2nd TLH opportunity

Apparently I fired my TLH gun too soon. As of yesterday I have $700 loss in FTSE ex-US and $300 in my remaining VTIAX shares. If the slope of losses continue today, I could have a good $2,000-$3,000 (or more) loss combined today. Would it be stupid to capture this loss by TLH both of my holdings int...
by Crow Hunter
Thu Aug 20, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7778

Re: What's a Bug Out Bag and who uses them?

I would have to questions one's faith if they are religious, yet feel the need to have a bug out bag at the ready. Won't their higher power "protect" them? Wouldn't the end of days, be all a part of their plan? :confused I think that this aspect of the LDS Church is driven more by their h...
by Crow Hunter
Mon Aug 17, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: What happens to a euro denominated ETF if the euro ceases to exist
Replies: 14
Views: 953

Re: What happens to a euro denominated ETF if the euro ceases to exist

TomatoTomahto wrote:Currencies might enter and exit the Euro, but it is unlikely to cease existence. If it does, you'll have plenty of warning, and some currency (Mark?) is likely to become the NewEuro.


Wouldn't that be the Neuro?

:twisted:
by Crow Hunter
Mon Aug 17, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6578

Re: Your First Job

Age 11: Worked long days Monday-Friday during summer painting with relative (not sure if it was legal or not - he gave me 10% of what he was making - later in life he said it was legal since we were related). Age 12 & 13 & 14: Still working summers painting with same relative. During the la...
by Crow Hunter
Mon Aug 17, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX TLH partner questions
Replies: 5
Views: 355

Re: VTIAX TLH partner questions

VFWAX includes emerging but not small. If you get stuck in VFWAX you can add the small/mid with VFSVX / VSS. Whoops. I knew it was missing some component. So it is like Total stock vs the S&P 500 fund. At what point would you feel "stuck" and feel the need to add a small & mid cap?
by Crow Hunter
Mon Aug 17, 2015 8:10 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX TLH partner questions
Replies: 5
Views: 355

VTIAX TLH partner questions

I have TLH'd from VTIAX to VFWAX (FTSE all word ex-US). Giving me a roughly $40,000 stake in VFWAX. From my understanding, the FTSE fund doesn't have an emerging market component. Ideally, I would like to TLH back into VTIAX at some point, however, there is a chance that we are at "the bottom&q...
by Crow Hunter
Mon Aug 17, 2015 7:37 am
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7778

Re: What's a Bug Out Bag and who uses them?

I keep a backpack filled with useful things like a wind up radio and matches and space blankets and water and several different light sources. I keep it packed in case we have to evacuate for some reason (natural or manmade disaster) or if we just need to use them because the power is out and we can...
by Crow Hunter
Mon Aug 17, 2015 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 6618

Re: Cash in the house

I keep $500 in "disaster cash" in an envelope in my gun safe. It is even labeled as such. I live in an earthquake zone and there are quite often tornadoes and ice storms to contend with. There have been several times when there has been no power at all for up to a week and we were lucky as...
by Crow Hunter
Thu Aug 13, 2015 7:48 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX Market Timing question
Replies: 10
Views: 734

Re: TLH VTIAX Market Timing question

I managed to harvest ~$1,300 worth of losses.

Of course, knowing my luck, it will go down in the next 29 days and then jump way up on day 30. :oops:
by Crow Hunter
Wed Aug 12, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX Market Timing question
Replies: 10
Views: 734

TLH VTIAX Market Timing question

I can capture ~$1,000+ of losses if VTIAX continues to go down today. So should I TLH into VXUS VFWAX late this afternoon or wait and do it tomorrow on the offhand chance it goes down further? I am leaning towards going ahead and doing it today as the last time we had one of these in July, I got bus...
by Crow Hunter
Wed Aug 12, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 28
Views: 2948

Re: Unclaimed property

Back several months ago I spent my lunch break at work just searching for people I knew who had relatively unique last names in my state's database. I had looked for myself first and didn't find anything but I did see names of distant relatives that I knew. Since I have an uncommon last name I figur...
by Crow Hunter
Wed Aug 12, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 23
Views: 3445

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

Just to update.

The IRS agreed with me, finally, and adjusted the refund to my calculations plus interest.

Yay, I lost $300.

Wait, crap. :D
by Crow Hunter
Tue Aug 11, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6578

Re: Your First Job

My first actual W-2 job was approximately 3 months after my 16th birthday. I worked in a grocery store stocking shelves and sacking groceries through my Junior and Senior year of HS. I worked after school until 4:00-8:00 pm on weekdays and all day on Saturday. I worked 8 hours/day during the summer ...
by Crow Hunter
Tue Aug 11, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Interesting comment from a gold/silver dealer today
Replies: 27
Views: 2324

Re: Interesting comment from a gold/silver dealer today

The humblest citizen in all the land, when clad in the armor of a righteous cause, is stronger than all the hosts of error. I come to speak to you in defense of a cause as holy as the cause of liberty--the cause of humanity. At the conclusion of this speech, a bill shall be introduced requiring the...
by Crow Hunter
Tue Aug 11, 2015 7:42 am
Forum: Personal Consumer Issues
Topic: Car Steering shakes when I put on Brake
Replies: 41
Views: 2620

Re: Car Steering shakes when I put on Brake

Cool! Something I have experience in. OEM specifications for Lateral Run Out on brake rotors are usually something between 20 to 80 microns. Based on my experience with other JOEM companies it is probably closer to 20 microns. They probably also have a 2nd - 5th order harmonic tolerance on them as w...
by Crow Hunter
Mon Aug 10, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8823

Re: Got laid off last Friday

What part of the country are you in? I'm curious about real estate prices and cost of living. It might help us to give better advice. I agree. $15/hr is pretty low for a welder. My wife hire welders all the time in our very LCOL area (West TN) for ~$21/hr starting (IIRC) with a top-out somewhere no...
by Crow Hunter
Wed Aug 05, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 128
Views: 13668

Re: $13 Million Goal for Early Retirement (am I crazy?)

I, for one, am very interested to hear more about his yearly expenses and how he is able to keep it so low. I live in a lower cost of living state (I recently investigated this for a potential job offer in Ohio) and I am married with no children, no cable, prepaid cell phones, CFL lighting, a thermo...
by Crow Hunter
Tue Aug 04, 2015 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance, EIC, and investing.
Replies: 8
Views: 586

Re: Inheritance, EIC, and investing.

I'm looking for solutions for an unusual situation a friend is in. She is 49, debt free, living rent free while caring for an elderly aunt, and has $200k set aside for retirement: $150k in various mutual funds (that she bought years ago with proceeds from the sale of a house,) $30k in mutual funds ...
by Crow Hunter
Sun Aug 02, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: Why the obsession with Gold?
Replies: 18
Views: 1628

Re: Why the obsession with Gold?

I always wanted some gold, silver, copper and platinum coins from the time I first started playing AD&D in middle school. Okay, I'll bite: why not electrum? You got me on that one. :oops: I never played in any worlds where the DM used electrum that I can remember off hand. I think they did away...
by Crow Hunter
Sun Aug 02, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: Why the obsession with Gold?
Replies: 18
Views: 1628

Re: Why the obsession with Gold?

It is pretty clear that folks love to touch and feel their gold and play with it. See this thread: https://www.bogleheads.org/forum/viewtopic.php?p=2569213#p2569213 The obsession is exactly that: an obsession. In a disaster, they would have no clue how to convert their gold into food, water, shelte...
by Crow Hunter
Wed Jul 29, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 45
Views: 2641

Re: A bit of gold?

I am kind of enamored with gold coins and have strongly considered buying 5-10 of the Buffalo coins. They are .9999 pure gold and must be handled with gold gloves...pun intended. The Eagle coins are a little different and are married with another alloy to create a more durable coin. They have the s...
by Crow Hunter
Tue Jul 28, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 19
Views: 1061

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

Mammoth Cave is worth the trip. Buy your tickets in advance - nothing worse than getting there and not being able to get into the cave. I would recommend the Historic Tour just because it is neat to walk into the main entrance of the cave and then see some of the larger "rooms". If your k...
by Crow Hunter
Thu Jul 23, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

Jack FFR1846 wrote:I am going to go out on a limb and predict that if you don't take this offer, something will happen such that when you do sell, he'll have $50k less
than he will with this offer.


That is my fear and what my gut feeling as well.
by Crow Hunter
Thu Jul 23, 2015 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

The house is undoubtedly a bigger problem for you then it is for him since he really can't do much about it but hope for more money. We don't know your financial situation but I can imagine how draining on you having to take care of this property can be. If it were me I'd be tempted to kick in the ...
by Crow Hunter
Thu Jul 23, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

What does the Borg think? What does your real estate agent say? You or your brother are paying some significant money for their professional skills so it would be silly not listen to them and follow what an internet board says that does not know the area. Is there some reason that you can't ask you...
by Crow Hunter
Thu Jul 23, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

What does the Borg think? The Borg think resistance is futile. More important, what does your brother think? Even though he's not in a position to execute the sale he's not mentally incapacitated is he? Can he keep up with the expenses while he's in prison? ps: My gut agrees with yours. It's only a...
by Crow Hunter
Thu Jul 23, 2015 9:29 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

sport wrote:Have you made a counteroffer? Perhaps the buyer will pay 190,000.


This is actually the price after 2 counter offers.

The original offer was for $165k and the 2nd was for $178k, I don't think that they will go above $185k.

I think we would have to find a different buyer to get more than $185k.
by Crow Hunter
Thu Jul 23, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

What does the Borg think? The Borg think resistance is futile. More important, what does your brother think? Even though he's not in a position to execute the sale he's not mentally incapacitated is he? Can he keep up with the expenses while he's in prison? ps: My gut agrees with yours. It's only a...
by Crow Hunter
Thu Jul 23, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

Re: House sale financial question.

It sounds like you already decided it was a good idea to sell the house when you put it on the market. There is a value to taking the existing offer. You could try to get a few more 1000 out of them, but that risks turning them off and it sitting empty at a cost of over a 1000/month. The longer it ...
by Crow Hunter
Thu Jul 23, 2015 8:47 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1759

House sale financial question.

My brother is currently incarcerated, I am his POA. He purchased a house 4 months before his sentencing on 2/22/13 for $188,750. :oops: This home would be considered upper middle class/lower upper class for the rural LCOL area. The average home in the area probably runs around ~$100k. After he was s...
by Crow Hunter
Thu Jul 16, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Tipping in a buffet
Replies: 26
Views: 2896

Re: Tipping in a buffet

The only buffet I go to is Pizza Hut locally. Probably less than 1 time a month with my work group. I don't normally tip because the one sever that they have working, at best, will bring you a drink but never comes back to refill it. I usually just get my own drink (water)/silverware and if the plac...
by Crow Hunter
Thu Jul 16, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5937

Re: Does Anyone Plan to Work Past 70 years of Age

I am currently 41, so take this with a large handful of salt. I don't hate my current job. It is engaging and I enjoy working with the people in my department/workgroup. It can be really frustrating because I have most of my experience in a high volume/low margin manufacturing environment (Tier 1 Au...
by Crow Hunter
Wed Jul 15, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5811

Re: The " Corolla" investment....

<snip> Second: maybe this should be a separate topic, but your comment about not doing the dealer suggested mileage servicing has me wondering what most BHs do with regards to servicing their cars -- maintenance according to the manufacturer's schedule? Or something less? I struggle with that quest...
by Crow Hunter
Wed Jul 15, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5811

Re: The " Corolla" investment....

SWEET! I managed to get our 2001 up to 234,000 before a patch of early morning black ice and a pine tree ended my run. :( I also only did oil changes and brake pads and both were done as cheaply as possible. It was a tough little car. It was in 3 accidents prior to its deathblow. I think all the ext...
by Crow Hunter
Tue Jul 14, 2015 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4644

Re: Having Trouble buying big ticket item

I am going to be the contrarian here. I am similar in age (41) and similar financial situation and similar profession (engineer) but no kids. Having been down this route before, I say don't do it. I spent roughly the same amount on 2 ATVs. One for me and one for my wife about 7 years ago. They don't...
by Crow Hunter
Thu Jul 09, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Silly question...better to invest now in intl stocks?
Replies: 24
Views: 3171

Re: Silly question...better to invest now in intl stocks?

So far today, yesterday would have been the better day. :happy Tell me about it... :x I was planning on doing some TLH of some recent purchases and I got busy yesterday afternoon and didn't do it. So I figured I would just do it today and get a little more loss.... Now it is up. :oops: I guess I wi...
by Crow Hunter
Fri Jun 26, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6847

Re: Bogleheads are more aggressive...

Thanks, I did specifically allude to "respondents" since I understand the issue with polling, etc. The comparison group is intentionally not "the general population" but "other investors", namely, individual investors. CrowHunter, but are there more greedy Bogleheads p...
by Crow Hunter
Fri Jun 26, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5985

Re: Squirrel nemesis

My aunt, who lives in a very nice high end subdivision, uses the Have a Heart humane animal traps on problem critters. Then she gets her husband to crank the lawn mower the instant she shoots the little buggers in the back of the head with a .22 pistol. :twisted: Everyone thinks it's the mower backf...
by Crow Hunter
Fri Jun 26, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6847

Re: Bogleheads are more aggressive...

Personally it is #3 for me.

I am not going to lie.

I am greedy.
by Crow Hunter
Thu Jun 25, 2015 1:58 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28738

Re: What ratio are you stocks/bonds and how old are you?

Target is Age-10 in bonds with 40% International. Currently 41 and 30.6 Bonds, 46.9% US, 22.5% International. Driving towards a target of 27.6% International via taxable account purchases. I am currently a little over 1/2 way to our stretch goal "number". If, by chance, we hit that earlier...
by Crow Hunter
Wed Jun 17, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 4326

Re: Comfortable shoes for work

Very timely! I really need some new shoes.

I am on my feet most of the day (standing desk) and I walk a lot both at work and at home. I am "hard on shoes" according to my wife.

Thanks!

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