Search found 774 matches

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: 3987

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: 2472

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: 7579

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: 7579

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: 7579

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: 6269

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: 6269

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: 2176

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: 6269

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: 6269

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: 6269

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: 6269

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: 6269

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: 6269

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: 6269

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: 4994

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: 10257

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: 10257

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: 7579

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: 7579

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: 7579

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: 7579

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: 7579

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: 7579

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: 7579

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: 7579

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: 7579

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: 472

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: 621

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: 621

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: 621

"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: 2561

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: 17512

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: 17512

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: 2209

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: 2868

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: 1573

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...
by Crow Hunter
Fri Feb 12, 2016 11:52 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 2868

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

I am 2% over on my bonds and I am dead on for domestic and 2% down on my international stocks. But I was right around 2% down in my bond allocation and 2% over on domestic before the first of the year. So I haven't hit a rebalance band yet. However, I am contemplating changing my 401k purchasing to ...
by Crow Hunter
Wed Feb 10, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 3086

Re: Tips on how to get the most of my yearly performance review?

So the last 2 guys that responded. Do you guys or your managers not come into the review with a raise in hand? Is the raise assigned after the review is completed? In my experience, granted this is only at 2 Tier 1 Automotive Supplier Megacorps and my current large (but not Megacorp) privately owned...
by Crow Hunter
Wed Feb 10, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance $
Replies: 7
Views: 899

Re: Inheritance $

Thank you for the insight and links - helpful. The money is coming from a retirement account and would assume we can deposit this $ between different accounts as we see fit. No penalties and does not impact our taxable income for 2016 tax year. Obviously interest, gains (non retirement) on any of t...
by Crow Hunter
Tue Feb 09, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 3086

Re: Tips on how to get the most of my yearly performance review?

I have been in engineering and engineering management for nearly 20 years. Performance reviews are just theatre. The decisions have already been made and in most cases they are made without any thought to your performance. This has been my experience: -The company decides on a company wide pay incre...
by Crow Hunter
Mon Feb 08, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3743

Re: Thank goodness for my precious metals

Are you going to sell some of it now to use it to buy more stock? If not, it really isn't doing you any good. That is why I would be hesitant to hold PM, particularly in bullion form, as an investment. It would be really, really hard to get my sweaty palms to let that shiny metal go. :wink: Rebalan...
by Crow Hunter
Mon Feb 08, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3743

Re: Thank goodness for my precious metals

Are you going to sell some of it now to use it to buy more stock?

If not, it really isn't doing you any good.

That is why I would be hesitant to hold PM, particularly in bullion form, as an investment. It would be really, really hard to get my sweaty palms to let that shiny metal go. :wink:
by Crow Hunter
Mon Feb 08, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Land purchase as Investement - how to deal with loan interest?
Replies: 13
Views: 1159

Re: Land purchase as Investement - how to deal with loan interest?

I do use a CPA for taxes and will run it by him. However I was really hoping someone here would have done something similar and advice me. I have purchased timberland for investment purposes on 2 different occasions. I added the closing costs into the basis of the property. (I don't think you can d...
by Crow Hunter
Mon Feb 08, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Land purchase as Investement - how to deal with loan interest?
Replies: 13
Views: 1159

Re: Land purchase as Investement - how to deal with loan interest?

I do use a CPA for taxes and will run it by him. However I was really hoping someone here would have done something similar and advice me. I have purchased timberland for investment purposes on 2 different occasions. I added the closing costs into the basis of the property. (I don't think you can d...
by Crow Hunter
Wed Feb 03, 2016 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Stocks - Advice on Selling (Determinations and Taxes)
Replies: 11
Views: 583

Re: Inherited Stocks - Advice on Selling (Determinations and Taxes)

Hi Everyone, Newbie here with a quick question. I recently inherited a portfolio of stocks (approx 40 stocks, approx $30,000), best characterized as diversified but focused on dividend growth. While I plan to keep most of the portfolio and let it grow, I want to move some of the money into index fu...
by Crow Hunter
Wed Feb 03, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Inherited EE Bond
Replies: 7
Views: 643

Re: Tax on Inherited EE Bond

Unless they were paying the taxes yearly on the accrued interest (which almost no one ever does), whoever cashes it out will owe the taxes on it. You could go back to some of their old returns and see, but I doubt it. I had a similar situation last year for multiple $50 and $100 bonds. Luckily for m...
by Crow Hunter
Thu Jan 28, 2016 11:24 am
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 87
Views: 5957

Re: File taxes via mail or electronically

I actually fill out the paper forms by hand using my old HP48GX from college and mail them in because I LIKE doing it that way. :shock: I have been doing this since at least 2001 (When I bought my first house and I couldn't Telefile). I have had the IRS contact me one time about a mistake, last year...
by Crow Hunter
Wed Jan 27, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to implement a glide path
Replies: 37
Views: 2309

Re: How to implement a glide path

I set my bond allocation at Age-10 +/-5%. I don't rebalance unless I hit a 5% band and I project my balances out 5 years assuming no growth just additional contributions so I have a rough idea of where I need to put new contributions in. For instance, as of the last time I checked, my actual was 33%...
by Crow Hunter
Wed Jan 27, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax advise
Replies: 1
Views: 246

Re: Tax advise

I am not a tax professional and you should seek advice from someone in your state but a quick Google search makes me think that you would have to file single. In Texas, a common law marriage is defined as: To have a common law marriage in Texas, the couple must:  -Agree to be married,  -Live toget...

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