Search found 787 matches

by Crow Hunter
Fri Aug 12, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones did not withhold Inherited IRA taxes
Replies: 5
Views: 381

Re: Edward Jones did not withhold Inherited IRA taxes

Do I have any recourse? Not a tax guy but...probably not. Paying taxes us an individual responsibility. What taxes are due? RMD? Yes, it was taxes on the RMD. He had to take a ~$9,000 RMD but they didn't take anything out for taxes. Which is annoying since they were told specifically to take out 25...
by Crow Hunter
Fri Aug 12, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones did not withhold Inherited IRA taxes
Replies: 5
Views: 381

Edward Jones did not withhold Inherited IRA taxes

In helping my brother with his taxes, I have found where Edward Jones did not withhold taxes as they were requested to on one of my brother's inherited IRAs. I have the email where I told them to withhold taxes on both of them but they did not. They only withheld taxes on one of them. Do I have any ...
by Crow Hunter
Fri Aug 12, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Capital loss on a house
Replies: 1
Views: 365

Capital loss on a house

This is a complicated one, and I think I know the answer, but I thought I would run it by the B.org to see what the consensus was. My brother purchased a house right at 3 years ago, right after being arrested for a crime... :oops: Anyway, after he purchased the house, he and his wife separated and a...
by Crow Hunter
Mon Jun 27, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase a SXS/UTV
Replies: 6
Views: 501

Looking to purchase a SXS/UTV

I have decided to get rid of my and my wife's ATVs and get a SXS for us instead. One less vehicle to insure, take care of and when we ride together, we won't have to use hand signals or stop to talk about something. I have narrowed it down to two different choices and I was wondering if anyone here ...
by Crow Hunter
Fri Jun 24, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10597

Re: International stocks in free fall

Although this is indisputably a big down day for international stocks, especially Europe, if we step back a bit, basically it's just giving up gains in recent months. I did some tax-loss harvesting and rebalancing back to target in Europe and Pacific funds in February of this year. Before today I w...
by Crow Hunter
Fri Jun 24, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10597

Re: International stocks in free fall

Great day to buy. Net down over the last couple days is actually not much. This ^. Heck, VXUS is barely lower right now ($43.12) than it was when they it paid June's dividend, $43.29 if I am reading this chart right. Just recently, it was $39.73 on Feb 11th. Counter to "blood in the streets&qu...
by Crow Hunter
Mon Jun 20, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: Reinvesting dividends question
Replies: 6
Views: 676

Re: Reinvesting dividends question

I'd say dividends (distributions) are to be used to make sure your asset allocation stays the way you want it to be. Since international funds dropped about 6% recently AND paid out about 1.2 to 1.5% in dividends, if you were in balance at the beginning of June, then you would be underweighted last...
by Crow Hunter
Mon Jun 20, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Reinvesting dividends question
Replies: 6
Views: 676

Reinvesting dividends question

This is going to be an odd question but hey, I am an odd person. ;) My IPS calls for me to invest $1,775/month into VTIAX in my taxable account. In June, I received more than that amount in dividends. Since dividends are actually a partial liquidation of some of the value of those holdings, I was le...
by Crow Hunter
Tue May 31, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1459

Re: Birds building nest on exterior house wall

I actually liked having the birds there except for the poop. They tolerated us being around and would only twitter at us at most. But when someone other than us came to the house, they would dive bomb them and pull hair. Worked great for keeping annoying strangers from coming to the house. People we...
by Crow Hunter
Tue May 31, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1459

Re: Birds building nest on exterior house wall

Our house has a pretty high (25 ft) covered entryway with a window above the entry door. The window has a small ledge around the top of it where birds seem to make an annual nest. We had someone climb up there a few years ago and hang an owl but the birds decided that they didn't mind it and starte...
by Crow Hunter
Fri May 20, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 24
Views: 4337

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

Additional follow up. They did it again for my 2015 taxes. :shock: :x Seriously. Two years in a row they send me a note telling me that I didn't fill out the Qualified Dividends and Capital Gains worksheet correctly for line 44 and they are adjusting my refund giving me more money back.... :confused...
by Crow Hunter
Thu May 05, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: I'm now debt free and...
Replies: 37
Views: 5053

Re: I'm now debt free and...

it's quite intoxicating. I'm more of a numbers guy and since my net worth didn't change, I didn't expect it would feel this nice and it's already affecting how I live my life. Anyone else have a similar surprise? Feels pretty weird, doesn't it? Wait until the end of the month when it comes time to ...
by Crow Hunter
Thu May 05, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: How do you maintain/grow your bond allocation?
Replies: 2
Views: 466

How do you maintain/grow your bond allocation?

Currently, I am putting pretty much all of my 401k contribution towards bonds to maintain my allocation. I am wondering if it would be a more efficient use of the funds to just allocate all my 401k money towards by S&P 500 and completion index and once I hit my tolerance band (+/-5%) rebalance i...
by Crow Hunter
Mon Apr 18, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 5315

Re: How Did You File Your Income Taxes for 2015?

Pen on paper using a HP48GX calculator, same with state taxes. Ordered forms in duplicate from the IRS, filled out in pencil on my copies and filled out the IRS's copies in black ink and mailed it in via USPS. Waiting expectantly for the IRS letter to tell me that I did it wrong and try to give me a...
by Crow Hunter
Mon Apr 18, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2893

Re: Security features of a good front door

While hardening your door without other security measures will probably not be beneficial, there are some things that you should look for if you are going to get a new front door and want improved security features. Get a IZ rated door (Impact Zone rated) All the quality door manufacturers will offe...
by Crow Hunter
Fri Apr 15, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to [debt free]

Good job. Here's a little advise from somebody who knows. Use some credit even if petty. Didn't use mine for 10 years and apparently that's a bad thing to creditors. You do have every right to be proud. Thank you. We use reward card credit cards for pretty much everything we can that doesn't charge...
by Crow Hunter
Fri Apr 15, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to [debt free]

Congrats!!! I think I know one of your secrets - the "no kids" part :) It helps, although the amount we spent earlier on fertility treatments would have gone a long way to paying kids expenses if we had saved it instead. That is actually one of the secrets that I would prefer it was one w...
by Crow Hunter
Fri Apr 15, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

If the mods want to delete, they can but I just had to brag to someone and I can't really do it in my circle of friends and I really don't have any family left to brag to, so here it goes. As of COB on last Friday, I am completely debt free. Completely. As long as we're bragging, let me share a bit...
by Crow Hunter
Wed Apr 06, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

To further validate that $45k figure, I'd ask Crow Hunter what his gross income and savings rate look like the past few years. If you gross $75k, put $25k a year into retirement savings, and pay FICA of $5700 a year, then yes you're getting along on $44,000 a year net. This is a Top Down approach, ...
by Crow Hunter
Wed Apr 06, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

To further validate that $45k figure, I'd ask Crow Hunter what his gross income and savings rate look like the past few years. If you gross $75k, put $25k a year into retirement savings, and pay FICA of $5700 a year, then yes you're getting along on $44,000 a year net. This is a Top Down approach, ...
by Crow Hunter
Wed Apr 06, 2016 11:31 am
Forum: Forum Issues and Administration
Topic: Where is sscritic?
Replies: 17
Views: 2959

Re: Where is sscritic?

He is probably too busy watching Chinese soap operas to post. :D

ETA:

Although if you post something really dumb, sometimes he will interrupt his day to help. :mrgreen:
by Crow Hunter
Wed Apr 06, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

Hikes_With_Dogs wrote:
livesoft wrote:Yes, really. Start a mustache blog and you will be even more golden.


LOL!!!! :twisted:


How about Mr. Greenback Goatee.

:twisted: :mrgreen:
by Crow Hunter
Wed Apr 06, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

You do realize that $45k is only 3% of $1.5m. Sounds like you can retire now if you like. This is bogleheads. Any SWR over 2% is considered very aggressive by half the board. And that is after ignoring things like SS and the value of the real estate they own. Hey! I resemble that remark. :D ETA: I ...
by Crow Hunter
Wed Apr 06, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

Two comments: 1)With firecalc, et al, it's interesting to do a sensitivity analysis. What happens if your expenses go up by $5K or $10K? Over a long period, small changes like that can make a huge difference in outcome. That's worth thinking about. What if you need an expensive uncovered prescripti...
by Crow Hunter
Wed Apr 06, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

And bottom line, Firecalc is very nice but its projections should be taken with a grain of salt. Past performance is no guarantee of future returns, and the 4% "safe" withdrawl rate may not hold over your 50-60 years of retirement if you were to retire soon. I agree 100% that projections ...
by Crow Hunter
Wed Apr 06, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

If you are currently working your healthcare costs might be paid for by your employer. Make sure you are adding self-paid health insurance (and deductible) into your projected expenses. That is the variable cost that scares me the most for retirement planning. That isn't something that would be inc...
by Crow Hunter
Wed Apr 06, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Re: Firecalc, really?

livesoft wrote:Yes, really. Start a mustache blog and you will be even more golden.


Ha.
by Crow Hunter
Wed Apr 06, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6872

Firecalc, really?

Since I recently became debt free, I revised my annual expense documentation in my personal expense tracking spreadsheet so I could decide what my new emergency fund size should be. This resulted in a value of ~$43,000/year excluding just a few things that I pay for by check that is not an ongoing e...
by Crow Hunter
Wed Apr 06, 2016 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend Check Bounced!
Replies: 15
Views: 5154

Re: Vanguard Dividend Check Bounced!

Just as an update, they must have fixed something recently. This past March distribution went off without a hitch even though I had TLH'd 2x since the previous December distribution and had round tripped back to VTIAX. Previously, every time I did that, they would send me a check.
by Crow Hunter
Thu Mar 31, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 11581

Re: Financially, how have you done/doing vs. your parents?

Financially, yes, based on the sound financial principles that my parents gave me on top of inheriting a not insignificant (to me) sum from them. Otherwise, no. My Dad was the son of a carpenter and the first in his family to graduate high school and my Mom was the daughter of an alcoholic/abusive ...
by Crow Hunter
Wed Mar 23, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 11581

Re: Financially, how have you done/doing vs. your parents?

Financially, yes, based on the sound financial principles that my parents gave me on top of inheriting a not insignificant (to me) sum from them. Otherwise, no. My Dad was the son of a carpenter and the first in his family to graduate high school and my Mom was the daughter of an alcoholic/abusive s...
by Crow Hunter
Tue Mar 22, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

Thanks to all the B.org that have helped me get to this point and thank you all for your congratulations. This is info that I would in no way want to share with anyone. My wife isn't even planning on telling her parents because "They wouldn't understand" to quote her. We helped them with m...
by Crow Hunter
Tue Mar 22, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

I wanted to thank everyone for listening to me and for the congratulations. It does really mean a lot.

:sharebeer
by Crow Hunter
Tue Mar 22, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

42 years old, married, with no kids and no payments . Bravo! Now tell us how you did it. How much debt did you have? ~$185,000 What made you decide to pay it all off? Kind of convoluted but it was a mixture of a conversation that I had with my Mom before she died and advice I got from here and the ...
by Crow Hunter
Tue Mar 22, 2016 7:19 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

If the mods want to delete, they can but I just had to brag to someone and I can't really do it in my circle of friends and I really don't have any family left to brag to, so here it goes. As of COB on last Friday, I am completely debt free. Completely. I called my bank this afternoon and the debt ...
by Crow Hunter
Tue Mar 22, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

Good for you. It's a long slog to financial independence, and milestones are an important--and motivating--way to gauge progress. Debit is a vampire that can bleed people dry, so you've hit an important one. What's next for you? Saving as much as I can, as quickly as I can so that I can retire and ...
by Crow Hunter
Tue Mar 22, 2016 7:13 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

Congrats!!! I think I know one of your secrets - the "no kids" part :) It helps, although the amount we spent earlier on fertility treatments would have gone a long way to paying kids expenses if we had saved it instead. That is actually one of the secrets that I would prefer it was one w...
by Crow Hunter
Tue Mar 22, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

Crow Hunter - Congrats! :sharebeer A few possible follow ups: When I paid off my mortgage my lender was very good about all the items leading up to the payoff, but after the payoff, I must have been moved to another unit. The lien release did not happen without some extra nudging. I was able to hav...
by Crow Hunter
Tue Mar 22, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

Re: I don't have anyone else to brag about this to

So the mods don't delete, let's make this actionable. Now that you are debt free, what steps do solidify your financial independence? I will be putting my previous house/land payments into our taxable account Retirement squaring away? I believe so. I am not up in the 1% of the B.org. Nest egg (taxa...
by Crow Hunter
Mon Mar 21, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8475

I don't have anyone else to brag about this to [debt free]

If the mods want to delete, they can but I just had to brag to someone and I can't really do it in my circle of friends and I really don't have any family left to brag to, so here it goes. As of COB on last Friday, I am completely debt free. Completely. I called my bank this afternoon and the debt h...
by Crow Hunter
Fri Mar 18, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Is there a best/worst time of year to buy a new sliding door/screen door?
Replies: 6
Views: 553

Re: Is there a best/worst time of year to buy a new sliding door/screen door?

I work in the industry on the high end side.

We have a price increase right after the first of the year, pretty much every. So my advice would be to by sometime before the start of next year. :)
by Crow Hunter
Mon Mar 14, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: "Found" some stock shares
Replies: 10
Views: 710

Re: "Found" some stock shares

I would cash out or donate to charity. I wonder how easy this would be. Even if OP is the sole beneficiary in Mom's will she never claimed the shares. So do they even belong to OP? What kind of hassle might be involved in getting the shares to pass to OP? I have no idea. I did something similar wit...
by Crow Hunter
Mon Mar 14, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: "Found" some stock shares
Replies: 10
Views: 710

Re: "Found" some stock shares

Lucent doesn't even trade any more - they deregistered the US ADR shares and I'm not sure what you're supposed to do if you didn't already opt in for their exchange for Nokia stock. I am sure it's not worth trying to figure out over $20 worth of stock. https://www.alcatel-lucent.com/press/2016/alca...
by Crow Hunter
Mon Mar 14, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: "Found" some stock shares
Replies: 10
Views: 710

"Found" some stock shares

Apparently my Father had shares in Alcatel-Lucent. I think he received them as part of his ESPP during the BellSouth/ATT/something restructuring that I vaguely remember happening. I actually found a stock certificate in the family safe deposit box. These shares were never claimed by my Mom and she h...
by Crow Hunter
Mon Feb 22, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall
Replies: 18
Views: 2686

Re: Investing a windfall

Since this is 100% going in a taxable account, just lump sum it. If the market goes up you win. If the market goes down, Tax Loss Harvest, and you win again. Either way, you will come out ahead of DCA. Plus, with a single large tax, it makes your accounting significantly easier to keep up with. Just...
by Crow Hunter
Fri Feb 19, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 18716

Re: What video games are you currently playing?

I never really understood why someone with no experience in a form of entertainment would feel the need to comment negatively about those who enjoy it. Stepping down from the soapbox now. I've gone through the same iterations of various systems as some here starting with Atari, and currently PS3. A...
by Crow Hunter
Wed Feb 17, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 18716

Re: What video games are you currently playing?

Recently finished Fallout 3 (main quest and DLC plus all the side quests I could find). Then I started Fallout: New Vegas, but I don't like it as much so it's on hold for a while. Will probably buy Fallout 4 about two years from now when I can get the Game of the Year edition for $10 or so during a...
by Crow Hunter
Sat Feb 13, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Allocating Personal Defense dollars...
Replies: 19
Views: 2383

Re: Allocating Personal Defense dollars...

I think it is very commendable that you are willing to continue to be a EMS provider under such circumstances. It is people like you that eventually will lift communities out of such situations. I would check out Pistolforum.net, there are lots of professionals on that board as well as several very ...
by Crow Hunter
Fri Feb 12, 2016 5:00 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 3158

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

i don't generally like these "post a meaningless number from your portfolio" threads[1] but since i was just looking at this and since i <3 livesoft: fixed income: +4.5% us equities: -1.5% intl equities: -3% i've always rebalanced with new money, but since i am currently taking some time ...
by Crow Hunter
Fri Feb 12, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 19
Views: 1756

Re: Time to Tax Loss Harvest???

This may be splitting hairs but with all the volatility, it seems marginally better, or worth it to wait and TLH on a day when the market is down. Thoughts on that? I could easily TLH again today but was thinking that it might be better to wait for a down day next week. The only problem is that som...

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