Search found 871 matches

by Crow Hunter
Thu Apr 05, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8337

Re: Liability for 32 year old step son living home

Hello, I have a 32 year old step son living home for the past few years. The last couple years my accountant had me add him as a dependent on my tax return since he made less than $3800. My step son qualifies for free health insurance on the Marketplace, but will not sign up for it. My question is,...
by Crow Hunter
Wed Mar 28, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 1830

Re: Recurring brake rotor problem

Something I can help with! I was in the business of manufacturing rotors/hubs as a Tier 1 supplier for over 7 years. NVH can be caused by multiple factors. It could be anything from a convex mounting surface on the hub interface on the inside of the "top hat" to a lateral runout problem on the rotor...
by Crow Hunter
Wed Feb 28, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3490

Re: New vehicle research

Looks like it actually scored well in crash test ratings, http://www.iihs.org/iihs/ratings/vehicle/v/toyota/corolla-4-door-sedan/2010 but I'm sure it's nowhere near the current technology for crash mitigation (brake assist, lane keeping, blind spot monitoring, etc.). I'm pretty schizophrenic when i...
by Crow Hunter
Wed Feb 28, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3490

Re: New vehicle research

My wife is really wanting to get a new vehicle. She doesn't like our 2010 Corolla with ~150k on it. ... While it would technically become my daily driver, I am only an advisor. I like the Corolla. :D ... Not following the logic. Is this the only car in the family? If it's your daily driver, you lik...
by Crow Hunter
Wed Feb 28, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3490

Re: New vehicle research

I'd go with the Camry unless you need the RAV4 for deep snow driving. If you are interested in smartphone integration the Accord/CR-V have Apple Carplay/Android Auto and are fairly competitive with Toyota. It only snows here a few times a year and usually not very deep. I don't even own a smart pho...
by Crow Hunter
Wed Feb 28, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3490

Re: New vehicle research

My wife is really wanting to get a new vehicle. She doesn't like our 2010 Corolla with ~150k on it. She has narrowed her choices down to: 2018 Buick Encore 2018 Toyota RAV-4 2018 Toyota Camry While it would technically become my daily driver, I am only an advisor. I like the Corolla. :D Her primary...
by Crow Hunter
Wed Feb 28, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3490

Re: New vehicle research

Have your wife drive all 3 and then decide. I would tend to stay away from the Buick only because GM plays so many rebate games. Without much looking, I see them $5k off MSRP without even dealing. I expect during the fall when the pickups all have big "$15k off MSRP" signs, the Buick will have $10k...
by Crow Hunter
Wed Feb 28, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3490

New vehicle research

My wife is really wanting to get a new vehicle. She doesn't like our 2010 Corolla with ~150k on it. She has narrowed her choices down to: 2018 Buick Encore 2018 Toyota RAV-4 2018 Toyota Camry While it would technically become my daily driver, I am only an advisor. I like the Corolla. :D Her primary ...
by Crow Hunter
Fri Feb 23, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Review ettiquette
Replies: 24
Views: 2162

Re: Review ettiquette

Thanks. I was leaning towards documenting that the employee had an issue early in the year but has made significant improvements and is now meeting expectations. The catch is that this employee, other than a negative attitude, is an exceptional performer. Easily the most valuable employee in the gro...
by Crow Hunter
Fri Feb 23, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Review ettiquette
Replies: 24
Views: 2162

Review ettiquette

If an employee has a personnel issue in the 2nd and 3rd quarter of the year and is told that he/she should make improvements in this area. No written warnings, no personal improvement plans, just a recommendation that said employee is lacking in an area and should make improvements. Said employee ma...
by Crow Hunter
Thu Feb 15, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1557

Re: Keep crows off of chimney caps

Plastic owls are effective. They're on the roofs of many buildings. I've seen them in action in our backyard. One look at the owl and the black birds (not sure if crows or ravens) flee in fright. Occasionally the wind will turn the owl around so that the scary eyes aren't visible. The birds may reg...
by Crow Hunter
Wed Feb 14, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1557

Re: Keep crows off of chimney caps

I vote shoot them. :) If you were closer, I would volunteer to do it for you. There are certain areas that they will be attracted to this time of the year as they are looking for mates. They are usually on high points overlooking/calling range of food or other gathering places. There is likely a roo...
by Crow Hunter
Mon Feb 12, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12294

Re: Anybody else Age - 10 in bonds, rest in stocks

StevieG72 wrote:
Sat Feb 10, 2018 4:44 pm
Age minus 15

80/20 is too aggressive, 60/40 is too conservative. I split the difference and am currently at 70/30.

This closely matches Vangaurds target retirement fund for someone wanting to retire in 15yrs, which I do.
Me too. :)

For the exact reasons you detail.
by Crow Hunter
Fri Feb 09, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 96
Views: 6121

Re: I didn't tax-loss harvest this month, did you?

I did. I use VXUS as a "barometer" for what VTIAX (my holding) will close at. I looked at what VXUS was doing around 2:15 CST, saw it was red, looked like a downward trend, had about $1,000'ish in losses from my check last night (which is my harvest trigger), pushed the exchange button. Then it clos...
by Crow Hunter
Wed Dec 20, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Window Selection and Shopping
Replies: 18
Views: 1410

Re: Window Selection and Shopping

I work in the industry in a design/testing capacity for one of the high end makers. I am involved in lots of competitor testing/teardowns and evaluations as well as testing our own products. The cost difference between a high end doors you get from a dealer and "contractor grade" doors you get from ...
by Crow Hunter
Sat Dec 09, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 11186

Vanguard estimated year end distributions

[moved Crow Hunter's post into this existing thread - moderator prudent]

https://institutional.vanguard.com/VGAp ... tion122017

I didn't see this posted yet.

Enjoy!
by Crow Hunter
Sat Nov 11, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10555

Re: Thouhgts about wearing a "uniform"/same thing everyday?

OP: Everyone has a brand, a schema by which they are known. Do you really want your brand to be associated with a lack of fashion sense and eccentricity? Wouldn’t you rather be known as the smart/creative/reliable/<insert here> coworker/subordinate/ prospective promotee? Anything that will get peop...
by Crow Hunter
Sat Nov 11, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 213
Views: 21071

Re: Why NOT make more money?

Real life example: My Father worked for 30+ years for the "telephone company". He retired in August of the year he turned 60 with more than enough money to do what he wanted to do. There was no family history of serious health problems in the family (his brothers and sisters are either still alive ...
by Crow Hunter
Fri Nov 10, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10555

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I had an actual uniform during my first 10 years of employment. The company both provided them and cleaned/replaced them for us. I liked it, a lot. I wish my current company would do something like that. It is nice to be able to tell who is obviously not an employee at a glance and at the Japanese O...
by Crow Hunter
Fri Nov 10, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 213
Views: 21071

Re: Why NOT make more money?

I don't understand the line of reasoning that you are giving up a year of your life if you continue working. Do all of you work in sweatshops that forbid time off on the weekends, prevent long vacations once or twice a year, and ignore holidays like Thanksgiving and Christmas? It's okay to travel o...
by Crow Hunter
Fri Nov 10, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 213
Views: 21071

Re: Why NOT make more money?

Real life example: My Father worked for 30+ years for the "telephone company". He retired in August of the year he turned 60 with more than enough money to do what he wanted to do. There was no family history of serious health problems in the family (his brothers and sisters are either still alive o...
by Crow Hunter
Wed Nov 08, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 240
Views: 27322

Re: How old are you and how much do you save for retirement a year

I am 44, wife is 39. We save: $36,000 401k(s)+ 4% match and variable profit sharing (me) and 3% wife $11,000 Roth $3,400 HSA (me) $36,000ish taxable (usually $3,000/month sometimes more, sometimes less depending on bills/spending) Total $86,000 + employer match + variable profit sharing amount and ...
by Crow Hunter
Wed Nov 08, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 240
Views: 27322

Re: How old are you and how much do you save for retirement a year

I am 44, wife is 39. We save: $36,000 401k(s)+ 4% match and variable profit sharing (me) and 3% wife $11,000 Roth $3,400 HSA (me) $36,000ish taxable (usually $3,000/month sometimes more, sometimes less depending on bills/spending) Total $86,000 + employer match + variable profit sharing amount and w...
by Crow Hunter
Thu Nov 02, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: HSA/HDHP Primary and "Medicaid" Secondary question
Replies: 2
Views: 355

HSA/HDHP Primary and "Medicaid" Secondary question

We are currently in open enrollment at my workplace. My company offers a traditional PPO and a HDHP/HSA health plan with annual employer matching contributions as options. The costs have gone up significantly on the traditional PPO plan while the HDHP plan has stayed the same. I have a buddy here th...
by Crow Hunter
Wed Oct 25, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Treating an inherited spousal IRA as your own
Replies: 6
Views: 849

Re: Treating an inherited spousal IRA as your own

Both options #1 and #3 are essentially the same, whether Joan Jones assumes ownership of the inherited IRA or rolls it into another IRA she owns. In both cases it is no longer an inherited IRA and it is just a normal Joan Jones IRA with no special titling. As alex_686 said; most custodians require ...
by Crow Hunter
Wed Oct 25, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: Treating an inherited spousal IRA as your own
Replies: 6
Views: 849

Re: Treating an inherited spousal IRA as your own

Flobes wrote:
Wed Oct 25, 2017 2:28 pm
New article from Michael Kitces, published today. Very detailed and comprehensive.
Spousal Rollover Rules for Inherited IRAs
Excellent, thank you!
by Crow Hunter
Wed Oct 25, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Treating an inherited spousal IRA as your own
Replies: 6
Views: 849

Treating an inherited spousal IRA as your own

The way I understand it, a spouse has the choice when inheriting an IRA -Roll it into their own IRA -keep it as an inherited IRA and take RMDs when the original owner would have turned 70.5 or -"treat it as their own" and wait to take the RMD until they turn 70.5 Obviously the second option would no...
by Crow Hunter
Sat Oct 14, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 775

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

I'll chime in and say that it's probably a good opportunity to simplify your portfolio if you want to reduce your individual bond holdings. With corporate bonds, I generally think it's better to hold them in funds or ETFs. I think you need at least 10, if not 20 well-chosen names to adequately dive...
by Crow Hunter
Fri Oct 13, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 775

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

Thanks! I have only the most basic understanding of bonds, especially individual bonds and I still don't 100% understand it but I do feel comfortable enough to believe that I am not leaving anything significant on the table. I appreciate the information and clarifications. It is part of a relatively...
by Crow Hunter
Fri Oct 13, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 775

Voluntary Corporate Action Tendered Offer Wal-Mart questions

I own a $14,000 Wal-Mart corporate bond CUISP931142CB7 at 5.25% coupon. I have been notified that Wal-Mart is offering to buy this bond back in an effort to reduce their interest rates. Here are the details: https://news.walmart.com/2017/10/06/wal-mart-stores-inc-announces-cash-tender-offer-for-cert...
by Crow Hunter
Mon Oct 09, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 7641

Re: How big a portfolio should I have before retiring?

I'll give your post careful consideration but I must admit that I had a strong reaction against the idea of waiting until 45 because it seems wildly conservative and it would bring me a great deal of unhappiness in my limited time on this planet. Based on rough mental calculations I just made: By 4...
by Crow Hunter
Thu Sep 21, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Are quality exterior doors worth it?
Replies: 17
Views: 2364

Re: Are quality exterior doors worth it?

It's nice they stand by their work, but warranties are an actuarial bet and the chances of anyone calling in that warranty in decades are essentially zero. I agree. I've seen a lot of doors in houses that are decades old and still in good shape. In fact, I can't think I've ever seen a door fail oth...
by Crow Hunter
Wed Sep 20, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Are quality exterior doors worth it?
Replies: 17
Views: 2364

Re: Are quality exterior doors worth it?

Having Multipoint locking hardware is worth upgrading over just a Mortise Lock on a traditional door. It is more secure but more importantly it will engage the frame in multiple locations and it will keep the door from warping away from the weather strip and letting outside air/bugs into the dwellin...
by Crow Hunter
Tue Sep 19, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 28435

Re: Calling out the not so rich bogleheads

I am 44, wife is 39. Neither of us have ever made more than 6 figures, combined we only broke 150K last year. Our net worth is over $2M. ---------------------------------------------------------------------------------------------------------------------------------------------- However: - We live i...
by Crow Hunter
Tue Sep 05, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: ACA 9.69% Affordability rule
Replies: 6
Views: 1130

Re: ACA 9.69% Affordability rule

IRA deduction will lower his MAGI, so that's good news. To avoid any potential issues, he could get a second job and make sure he does not work more than 30 hours at his main (current) job. Just an option he may not have thought of. He has been trying for over a year now to get something full time ...
by Crow Hunter
Tue Sep 05, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: ACA 9.69% Affordability rule
Replies: 6
Views: 1130

Re: ACA 9.69% Affordability rule

IRA (and HSA) are "above the line" deductions to AGI, so they do reduce MAGI for ACA purposes. Yes . Similarly, certain things like state income tax refunds (for the prior year) are additions for MAGI. Note that state income tax refunds are additions for MAGI *only if* the taxpayer claimed state in...
by Crow Hunter
Tue Sep 05, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: ACA 9.69% Affordability rule
Replies: 6
Views: 1130

ACA 9.69% Affordability rule

This is a question I am asking for my brother. I don't have a clue about the ACA but he has a Marketplace plan. He is only working part time and having trouble finding full time employment. He has gotten 4 different job offers but it falls through after the background check (ex-felon) even though he...
by Crow Hunter
Thu Aug 31, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 4356

Re: How to buy raw (unimproved) land?

I have done this twice. Once to purchase timberland for investment purposes and I used a local bank that I had used since middle school and I still got difficult terms on a commercial loan. 40% down and 5 year ARM. Second time I also used Farm Credit Service: [url][/https://www.e-farmcredit.com/home...
by Crow Hunter
Wed Aug 30, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Reducing International Holdings?
Replies: 14
Views: 1567

Re: Reducing International Holdings?

Thanks to everyone for your comments. There have been several comments/questions related to my use of the term “risk” in my concerns about International stock. I base these comments on Vanguards Risk/Reward ratings on different funds. Total Stock Market has a rating of “4” where Total International ...
by Crow Hunter
Mon Aug 28, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing International Holdings?
Replies: 14
Views: 1567

Reducing International Holdings?

I am currently at a 60/40 Domestic/International split. This is something that has been bothering me off and on for a while. I will do lots of research to convince myself that keeping my International at 40% of stocks is where I want it, but it will creep back up to bother me again. It isn't keeping...
by Crow Hunter
Fri Jun 02, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

Just a follow up for closure. We went and test drove the Defender. My wife loved it and the dealer was very good about the trade. After factoring in the sales tax savings from the trade in, it isn't bad at all. My wife says that just the added functionality that the Defender has over the Pioneer for...
by Crow Hunter
Wed May 31, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

We are going to test drive one this afternoon. If she likes it okay, she seems to be open to the idea of swapping. There are some attributes the Defender has that I think she will like over the Pioneer. She is also feeling better about the money aspect, especially if it will get me to stop obsessing...
by Crow Hunter
Tue May 30, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

If you can afford to trade it for what you want, then do so. That means you can afford to piss away the $3-6K loss. I don't know your financial situation, but if it is such that that amount is no big deal, then I'd trade. If it is a big deal, then you might have to sell it and do without for a whil...
by Crow Hunter
Tue May 30, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

Which Pioneer does he have? The Pioneer 500 and the Pioneer 700 are both in the traditional nearly bulletproof Honda standard. FIL has the 700. That would explain the difference in satisfaction. It might be time to take the big hit (sell at a discount) and move on. I'd perhaps write a letter to cor...
by Crow Hunter
Tue May 30, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

I dislike the way it drives Any utility vehicle or side by side drives harsh. I dislike the constant tinkering that is required to get it to run correctly Driving offroad beats the life out of vehicles. Tinkering is part of ownership. I dislike the fact that it is getting a reputation for clutch fa...
by Crow Hunter
Mon May 29, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

Might be easier, and cheaper to use a couple of horses and maybe a buggy. Proven technology. I have friends and relatives who do. It definitely isn't easier or cheaper you can't just put fuel treatment and a battery tender on a horse when you don't want to use it for a while. Plus, horses don't hav...
by Crow Hunter
Mon May 29, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

Off road breaks toys. In larger vehicles, automatics are preferred over clutches. Why? The torque converter dissipates the abuse as heat that would otherwise be clutch wear. I've 200K miles on my Montero's clutch and it was driven some off road in it early life, not so much now. A friend can exhibi...
by Crow Hunter
Mon May 29, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

It seems like you have purchase regret. My father in law has a Pioneer. He likes it. You are predicting future issues that may or may not happen. I would take a deep breathe, do nothing but drive it for 90 days. Step back from your inner self and need to "do something". I've had it for nearly a yea...
by Crow Hunter
Mon May 29, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

You already said you hate it - that would be enough for me. I'd try selling it on Craigslist or otherwise locally, and then look at the market leaders in the SxS space - Polaris, Can-Am, etc. I didn't even know Honda made a SxS TBH. They probably should stop. :D Can Am Defender is actually what I h...
by Crow Hunter
Mon May 29, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 3193

Re: Losing money on vehicle, should I or shouldn't I?

You hate it, enough said. Sell it, take the loss, and move on. Why don't you get Honda to look at the clutch while you still own it so that if it needs replacing, it will have been done before you sell it which to me is a good selling point. My only advice on buying the new one is will you get as m...