Search found 606 matches

by Crow Hunter
Wed Jul 29, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 45
Views: 2479

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: 1004

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: 1672

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: 1672

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: 1672

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: 1672

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: 1672

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: 1672

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: 1672

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: 1672

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: 2812

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: 5505

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: 5659

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: 5659

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: 4554

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: 3032

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: 6616

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: 5895

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: 6616

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: 27866

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: 4190

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!
by Crow Hunter
Thu Jun 11, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11314

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

I would actually like to know what everyone is doing that is netting such incredible salaries. I have a BSME and ~18yrs worth of a mix of Automotive manufacturing/project management and design engineering experience and I am only at $84k/yr salary. Granted I am in a very LCOL area (West TN) versus s...
by Crow Hunter
Thu Jun 11, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Individual bonds in IRA of deceased
Replies: 4
Views: 441

Re: Individual bonds in IRA of deceased

I inherited individual bonds, MBS and UITs from my Mother last year. I was the executor and it was no problem at all. They were split evenly between my brother and myself. I had to take the individual valuations at the date of death into account for state inheritance tax purposes but other than that...
by Crow Hunter
Wed Jun 10, 2015 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11314

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Can you look at it from a $/hour standpoint? I took a less "prestigious" job making $10,000 less but my $/hour went up significantly. I went from working 65+ hours per week, on call 24/7/365 including weekends and holidays for ~$80,000 to working 40 hours/week, no on call for $70,000/year....
by Crow Hunter
Wed Jun 10, 2015 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 5111

Re: Inheritance and Economic Outpatient Care for a Boglehead

36% -My parents gave me a used 1992 Lumina while I was in college. ~$8,000 when I traded it in on my 1999 Silverado in 1998 IIRC. -They partially subsidized my undergraduate degree that wasn't covered by scholarships. (Not counted) -They let me take a loan against a CD they had to get a significantl...
by Crow Hunter
Mon Jun 08, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35382

Re: much ado about coasting (through life)

I would add that often it's not a matter of the money you make or have while working full time, but rather how working full time limits the amount of free time one has available. BFG This ^ for us. My wife has only just managed to work up to the point that she has 80 hours of vacation time. She was...
by Crow Hunter
Thu Jun 04, 2015 7:59 am
Forum: Investing - Theory, News & General
Topic: Increasing International Allocation
Replies: 3
Views: 375

Increasing International Allocation

TL;DR I am contemplating changing my International from 30% of equities to 40%. I am doing this because Vanguard is changing as well as some other experts that I respect. Is that bad and if it isn't bad, is it okay to get there slowly? Long story: About this time last year I was at 50% International...
by Crow Hunter
Fri May 29, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Inherited RMD market timing question
Replies: 4
Views: 394

Inherited RMD market timing question

I have to take an inherited IRA RMD this year. The total that needs to be taken out of this IRA is $9,715.21. The vast majority of this IRA is invested in individual bonds, UITs and MBSs in a Vanguard Brokerage account. I invest the interest/return of principal from these investments back into Vangu...
by Crow Hunter
Wed May 27, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2990

Re: Window replacement -- Renewal by Andersen?

My personal opinion (and that of my contractor's and some of my neighbors) is that with Anderson, or Renewal by Anderson, you are paying a premium for the name . I have used Harvey windows - popular in Northeast US. You can get a good quality window without paying the Anderson price premium. I have...
by Crow Hunter
Tue May 26, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2990

Re: Window replacement -- Renewal by Andersen?

I work in the fenestration industry (door side) and Andersen is a good brand. Based on my experience, low quality doors/windows with good installation will beat good quality doors/windows with poor installation. Make sure you get a good installer above all else. Even if you have to go with a differe...
by Crow Hunter
Fri May 22, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4859

Re: Not able to max out all the retirement accounts

My wife and I max out both 401ks and Roths and save some here and there in a taxable account. We gross ~$145,000 between the two of us and we are 41 and 36. However, we also can't have kids and we live in a very LCOL area. For example, our house payment is only $466/month. We are also EXTREMELY chea...
by Crow Hunter
Fri May 22, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4918

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

I am not in your league. I don't even make what you do now. However, I did do something similar. I was on a fast track corporate job as an Engineering/Program Manager for the largest Automotive parts supplier in the world (at the time). If I had stayed, I would currently be a VP (as my replacement i...
by Crow Hunter
Fri May 22, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Quick question about tax harvesting
Replies: 9
Views: 566

Re: Quick question about tax harvesting

I wouldn't. I would rather keep the loss and use it against my 2015 taxes. But I am not in your tax bracket and I don't know what you future income/retirement prospects are. I am planning on being in a lower tax bracket when I retire early and assuming laws don't change, I will be able sell my appre...
by Crow Hunter
Mon May 18, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 27
Views: 2098

Re: Jobs for Retired Air Force (without degree)

What did your friend do in the air force? I ask because my father in law work for the Coast Guard for roughly 30 years, and then went back to work for the Coast Guard a a civilian. Was an aeromedic in the Air Force. Couldn't tell you everything in detail as I do not know. He should look into doing ...
by Crow Hunter
Fri May 15, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 3030

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

Crow's posts show that he knows the rules. It appears that IRS liked him so much that they decided to give him some bonus. :) Now, I am curious to know if Crow filed his tax return by mail or by efiling. If he mailed in his return, the tax data had to be keyed into the IRS software and that could b...
by Crow Hunter
Fri May 15, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 3030

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

You can elect to treat just enough qualified dividends and long-term capital gains as ordinary income to free up your investment interest expense. The remainder of qualified income still gets the preferential rate. If this is the case but you did not compute the tax correctly on your return, the IR...
by Crow Hunter
Fri May 15, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 3030

Letter from IRS (I think they are wrong)

I received a letter from the IRS yesterday saying that my calculations were wrong and that they were increasing my refund. While it is nice that I will be getting a bigger refund, I don't think they are correct. The explanation said that I had not done the Qualified Dividend or the Schedule D worksh...
by Crow Hunter
Tue May 12, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35382

Re: much ado about coasting (through life)

The U.S., surpassed only perhaps by Korea and Japan, has an unhealthy obsession with work. I retired at 25, and I've never had a shortage of activities and projects, whether it's just watching tv and playing tennis, or moving to a new country and learning a new language. And outside of the boglehea...
by Crow Hunter
Thu May 07, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: International rental car insurance
Replies: 17
Views: 1279

Re: International rental car insurance

I am sorry. This isn't related to your question at all. I am an engineer and when I read your user name. I thought it said CAD Reamer 2015. :shock: I realized just a second ago it was probably meant to be California Dreamer 2015 and I had a good laugh. Interesting how people filter what they see. :t...
by Crow Hunter
Tue May 05, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2787

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

Crow Hunter - I have to run for date night with my wife, but one quick thing that might be helpful to you (or that you might already know and just can't adjust due to shared ownership or aesthetic preferences you or they have and have decided): A guess from your photo is that you and your neighbors...
by Crow Hunter
Tue May 05, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2787

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

I can give you my personal experience. I live on a shared 3 acre +/- pond. I have 3 other neighbors. Pros: -It is fun to fish in -My lab loves to jump in and out of it -It looks really pretty at certain times of the year -It is really cool to watch the waterfowl when they come through (we live in a ...
by Crow Hunter
Wed Apr 29, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 3169

Re: Backyard patio - should I invest?

My parents put in a screened in/roofed deck in the late 1980's in our back yard. The sliding glass door from the kitchen/dining area connected it to the main house. It was probably the best investment that my parents ever made. We used it all the time and for decades afterwards. It is still my favor...
by Crow Hunter
Mon Apr 27, 2015 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2998

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

I check Vanguard accounts once per month at least. If I have a loss that I feel is enough to warrant going doing TLH, I do it then. I also log onto Bogleheads at least once a day during the week while I am at work on breaks or lunch and if I see some news about international having a RBD (TM Livesof...
by Crow Hunter
Wed Apr 22, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12738

Re: How much do you pay in Property Taxes?

~$1,150 for primary residence if IIRC. 1,450 sq ft on 2.7 acres worth ~$155,000 or so in far western Tennessee. I don't have kids so I am not really that up on the school systems but from seeing signs around the city schools seem to win quite a few awards but I don't see that much about the county s...
by Crow Hunter
Wed Apr 22, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2933

Re: Visiting Nashville during the summer

History and Art: ⋅ The Hermitage ⋅ Belmont Mansion ⋅ Cheekwood ⋅ Belle Meade Mansion ⋅ Traveler's Rest ⋅ TN State Museum ⋅ The Frist Center (check out the architecture tour) ⋅ Civil War sites are everywhere ! Other Fun ...
by Crow Hunter
Wed Apr 22, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance proceeds?
Replies: 16
Views: 1354

Re: How to allocate inheritance proceeds?

I also have inherited assets. Personally, I invest the bond portion of my asset allocation in my inherited IRAs. The stock portion is in my personal 401k/Roths. My reason being that I will have RMDs every year and the bonds are less likely to see large amounts of growth and should remain fairly stab...
by Crow Hunter
Mon Apr 20, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 6014

Re: One Spouse Outearning the Other?

I have been married for 14 years. I have always been the higher earner. Usually 1.5 - 2 times as much. This actually caused friction early in our marriage because I expected my wife to make the same as me or more. :D As I have taken less and less responsibility over the years and she has increased i...
by Crow Hunter
Fri Apr 17, 2015 7:32 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 410
Views: 67607

Re: Rick Ferri looking to internationalize his portfolio

Don't forget, International (at least VTIAX) is just now getting back to parity with where it was "around" this time last year. I know this because I changed around my asset allocation because of inherited assets in June of last year including buying a very large (for me) chunk of VTIAX in...
by Crow Hunter
Wed Apr 15, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 9239

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

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


Amen to that.
by Crow Hunter
Wed Apr 15, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3918

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

I think it has more to do with the child's personality than anything else. I was raised "rich". We were middle class in a rural lower class area. :D I knew we had more money than lots of folks around. We had a boat, we had hunting land, we took at least 2 vacations a year as a family, our ...

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