Search found 736 matches

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: 19
Views: 1881

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: 823

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: 19
Views: 1881

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: 3388

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: 3388

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: 12
Views: 926

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: 12
Views: 926

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: 504

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: 598

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: 75
Views: 4067

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: 2063

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: 226

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...
by Crow Hunter
Wed Jan 27, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: How to get out of our High Cost Investments, and to save for a house
Replies: 19
Views: 1263

Re: How to get out of our High Cost Investments, and to save for a house

https://www.tn.gov/revenue/topic/hall-income-tax If your taxable holdings are generating greater than $2,500/yr in dividends (or capital gains from mutual funds), you will need to pay 6% of everything over that amount to TN. There is a huge list of carved out exclusions for different special intere...
by Crow Hunter
Tue Jan 26, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to get out of our High Cost Investments, and to save for a house
Replies: 19
Views: 1263

Re: How to get out of our High Cost Investments, and to save for a house

Hi, We just read The Bogleheads Guide to Investing, and realize our investments are definitely not ideal. Here is our information. I'm not sure if we did this exactly right. We appreciate any advice that can be given. Emergency Funds: 3 months Debt: none Tax Filing Status: married filing jointly Ta...
by Crow Hunter
Mon Jan 25, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Giving away a house, sort of
Replies: 4
Views: 578

Re: Giving away a house, sort of

It could be related to getting some sort of demolition permit for the old building. That could involve inspections to make sure that any issues with things like asbestos, old fuel oil tanks, or removing septic systems are handled correctly. They probably cannot get a demolition permit for the house...
by Crow Hunter
Mon Jan 25, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Giving away a house, sort of
Replies: 4
Views: 578

Re: Giving away a house, sort of

I am assuming you are proposing giving her the house house with condition of removing it from the real property? What is the approximate value of the house (w/o land)? Is there a possible gift tax liability? If so you may have to/ might benefit from passing this donation/ gift through a charitable ...
by Crow Hunter
Mon Jan 25, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Giving away a house, sort of
Replies: 4
Views: 578

Giving away a house, sort of

I have some property that has an old house on it. There is a woman who lives down the road from the property that recently lost her home to a fire. She has contacted me through a mutual friend about either having the old house moved or demolishing the old house and reusing/repurposing the materials....
by Crow Hunter
Wed Jan 20, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: I TLH'd once already this month, do it with replacement fund too?
Replies: 3
Views: 406

Re: I TLH'd once already this month, do it with replacement fund too?

That is what I did.

It has been following +/- .25% or so.

Hurry though, you have less than 10 min to get it in today.
by Crow Hunter
Wed Jan 20, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6949

Re: What was your % pay raise?

We don't get raises until March. I don't think I will be getting one. It was mentioned last year that I came in from a different industry and was being paid significantly more than most of the other engineers. (Umm, that is why you hired me you know, to get some of the knowledge that we had from oth...
by Crow Hunter
Wed Jan 20, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 6296

Re: I have no more money to invest

I'm not 100% stocks but I still don't have any money to invest. I am 70/30 and I still haven't triggered my tolerance bands. As a matter of fact, I am still about 1% over my target in stocks right now. Might not be after today though. :D I will have to go down a bunch more before I hit a band. Howev...
by Crow Hunter
Wed Jan 20, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 7012

Re: Capitulation!

Really enjoying the first nice snowfall . :happy Lucky you. My side of the state got all that as ice, and while it rhymes, it isn't very nice. I think I scraped off 2 inches of consolidated sleet off my windshield this morning. I played slip and slide all the way into work this morning. You know ho...
by Crow Hunter
Mon Jan 18, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Inherited Savings Bonds
Replies: 9
Views: 650

Re: Help with Inherited Savings Bonds

Hello, A family member recently reached out to me with some questions about a somewhat tricky inheritance situation. I am not well versed at all in inheritance taxes, asset transfers, or estate planning in general so I wanted to see if anyone in here had some general advice that would help me offer...
by Crow Hunter
Mon Jan 18, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Charitable contributions timing question.
Replies: 9
Views: 254

Re: Charitable contributions timing question.

I think these are the applicable rules: IRS Publication 526 page 13: When to deduct -Credit card. Contributions charged on your bank credit card are deductible in the year you make the charge. However there is this: Conditional gift. If your contribution depends on a future act or event to become ef...
by Crow Hunter
Mon Jan 18, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Charitable contributions timing question.
Replies: 9
Views: 254

Re: Charitable contributions timing question.

Okay.

More information.

Apparently this was a "Contribution from which you benefit" according to the IRS. They basically paid for a ticket in 2013 that was not redeemed until 2015. 75% of the donation is deductible the rest is not.

I am not sure if that changes anything.
by Crow Hunter
Mon Jan 18, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Charitable contributions timing question.
Replies: 9
Views: 254

Re: Charitable contributions timing question.

I'm not sure. It may depend on where the funds were between 2013 and 2015. Did the funds get debited from the person's account in 2013? From what I understand, the person made a donation via credit card but received forms from the charity indicating that it was actually accepted in 2015. No deducti...
by Crow Hunter
Mon Jan 18, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Charitable contributions timing question.
Replies: 9
Views: 254

Charitable contributions timing question.

I have run across and interesting question that I don't have the answer for so I thought I would pose it to the B.org and see what the board wisdom was. Say if a person makes a monetary charitable contribution to an organization in 2013 and that organization does not recognize/accept/report that don...
by Crow Hunter
Fri Jan 15, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Another payoff or invest question
Replies: 3
Views: 418

Re: Another payoff or invest question

I figured as much. I will likely not be able to itemize after the 2016 tax year, if even then, so I will lose any "benefits" to carrying a mortgage or the loan on the farm other than have a "margin account" of that $173,000. My original plan for selling this land, and why I price...
by Crow Hunter
Fri Jan 15, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10725

Re: Who's buyin' today?

I put in the order to TLH FTSE to Developed, does that count? :twisted: I know I will be hitting my IPS TLH limit this afternoon (I was almost there yesterday on an "up" day) so I went ahead and pulled the trigger before a circuit breaker tripped. If I had any spare cash on hand I would be...
by Crow Hunter
Thu Jan 14, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Another payoff or invest question
Replies: 3
Views: 418

Another payoff or invest question

I finally got a written offer on the timber land that I have for sale. Yay me! So when all is said and done I will net ~$173,000 before taxes. I fortunately/unfortunately have enough cost basis/capital losses/investment expense deductions that I will have a minimal LT capital gain to pay on this. (W...
by Crow Hunter
Mon Jan 11, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend Check Bounced!
Replies: 9
Views: 2748

Re: Vanguard Dividend Check Bounced!

At the end of last year, I tax loss harvested from VTIAX to VFWAX, then back to VTIAX (after 31 days). I received the December dividend for VTIAX as a paper check, even though I was set up to reinvest into the Prime Money Market account (which had some money in it, so wasn't a fund with 0 shares). ...
by Crow Hunter
Fri Jan 08, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: need help with inherited IRA
Replies: 10
Views: 644

Re: need help with inherited IRA

Don't forget, with this being an inherited IRA, you MUST take RMDs by the end of the year following the year you inherited the IRA. Otherwise you will get into IRS penalties and such. It would also help everyone if you could post what your current investments look like. 401k, personal IRAs, Roths an...
by Crow Hunter
Mon Jan 04, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Tell My Children About My Inheritance Plan?
Replies: 57
Views: 4403

Re: Should I Tell My Children About My Inheritance Plan?

Yes you should. In my own life, my parents have shared every detail of their will (which is very simple and fair, dividing everything equally between their 3 children. On the other hand, my wife's parents have not so they are a big mystery both in terms of what their assets are and what they plan t...
by Crow Hunter
Mon Jan 04, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4403

Re: At what age did you stop reinvesting dividends?

42 This year I am committing to paying down all my debt, 4.1% farm land and 4.5% house instead of investing in my taxable account and I am taking dividends instead of reinvesting them and using them to pay extra principal on the debt. I am wavering though, as my International holdings keep going dow...
by Crow Hunter
Mon Dec 28, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 1775

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

Georgia Aquarium in Atlanta! http://www.georgiaaquarium.org/ I really enjoyed it and I am not 7. :) ------------------------------------------------------- Call CAF Dixie Wing and see if someone is going to be there when you are going through and stop by in Peachtree and see the P-51, Corsair and th...
by Crow Hunter
Tue Dec 22, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index - Distribution
Replies: 15
Views: 2400

Re: Total Stock Market Index - Distribution

My VTSAX dividend still did not show up in my money market as of this morning. I called flagship services to inquire and they said the check was sent to my address on the 19th? :annoyed They acknowledged that my election is for automatic distribution of VTSAX dividends to my MMF and were going to l...
by Crow Hunter
Tue Dec 22, 2015 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index - Distribution
Replies: 15
Views: 2400

Re: Total Stock Market Index - Distribution

My VTSAX dividend still did not show up in my money market as of this morning. I called flagship services to inquire and they said the check was sent to my address on the 19th? :annoyed They acknowledged that my election is for automatic distribution of VTSAX dividends to my MMF and were going to l...
by Crow Hunter
Mon Dec 21, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 49
Views: 4116

Re: Do you reinvest your dividends/capital gains?

It varies by account type and AA goal. In my and my wife's 401k it is reinvested. In my Roth IRA it is reinvested. In my Rollover IRA, everything goes into Total Bond (I am light on direct contributions to bonds so I need extra to meet my AA). In my inherited IRAs, everything goes to cash and I will...
by Crow Hunter
Fri Dec 18, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Potential employer conflict for HSA/FSA/ACA
Replies: 13
Views: 494

Re: Potential employer conflict for HSA/FSA/ACA

I don't think this has anything to do with the ACA. The insurance coverage is the HDHP. Nothing in the ACA says you have a right to a HSA eligible plan. What could possibly be true, is this might make the effect of their rule discriminatory as to benefits. There are generally all kinds of ant-discr...
by Crow Hunter
Fri Dec 18, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Potential employer conflict for HSA/FSA/ACA
Replies: 13
Views: 494

Re: Potential employer conflict for HSA/FSA/ACA

This is the part that I have trouble with. She doesn't have the option to decline her FSA, she can choose to contribute to it or not, but she can't decline coverage. If she chooses to have health care coverage, it is a PPO plan with a FSA available. Because my company won't allow her to be on my he...
by Crow Hunter
Fri Dec 18, 2015 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Potential employer conflict for HSA/FSA/ACA
Replies: 13
Views: 494

Re: Potential employer conflict for HSA/FSA/ACA

Is your wife 'forced' to cover you with her plan? My employer stopped covering spouses who have other coverage averrable about 15 years ago. No. But her FSA money can be used to pay for my medical/dental/optical expenses as well as hers. If her FSA was somehow limited to only her, then it wouldn't ...
by Crow Hunter
Fri Dec 18, 2015 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Potential employer conflict for HSA/FSA/ACA
Replies: 13
Views: 494

Re: Potential employer conflict for HSA/FSA/ACA

As I understand it an employer can't force an employee to contribute to FSA or contribute to FSA as the employer. Even if the PPO that has an imbedded [sic] FSA, your wife doesn't have to contribute to it. Then she's not covered by the FSA; neither are you. I was under the impression, and correct m...
by Crow Hunter
Fri Dec 18, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Potential employer conflict for HSA/FSA/ACA
Replies: 13
Views: 494

Re: Potential employer conflict for HSA/FSA/ACA

As I understand it an employer can't force an employee to contribute to FSA or contribute to FSA as the employer. Even if the PPO that has an imbedded [sic] FSA, your wife doesn't have to contribute to it. Then she's not covered by the FSA; neither are you. I was under the impression, and correct m...
by Crow Hunter
Fri Dec 18, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Potential employer conflict for HSA/FSA/ACA
Replies: 13
Views: 494

Potential employer conflict for HSA/FSA/ACA

My current employer just let us know that they will likely be eliminating our PPO plan. Right now they are going to restrict new hires to only use the HDHP/HSA plans for their medical coverage and our company mandates that if an employee's spouse has coverage available at their employer, they must t...
by Crow Hunter
Wed Dec 16, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Scared, confused and need financial makeover - Inheriting $160,000
Replies: 22
Views: 3259

Re: Scared, confused and need financial makeover - Inheriting $160,000

Sorry for your loss. I had lost both my parents by the age of 41, and it is very hard be an "orphan" at such a young age. Take it slow and learn as much as you can. The wiki here is great. Until then, keep it in a FDIC insured account for right now and don't make any moves until you fully ...
by Crow Hunter
Wed Dec 09, 2015 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job?
Replies: 55
Views: 4076

Re: Should I take the job?

I had a similar situation in 2001. Just married, new wife just graduated from college, working a simple 40-45 hr/week job making ~$50,000/yr and we only lived an hour from both families. Recruiters called me all the time and I would tell them I wouldn't leave for less than $60k. One day a recruiter ...
by Crow Hunter
Fri Dec 04, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: I drive 20k miles/yr. Should i buy an extended warranty for my new car?
Replies: 16
Views: 935

Re: I drive 20k miles/yr. Should i buy an extended warranty for my new car?

i bought a new 2015 mazda3i last month. mazda lowered the warranty from 4yr/50k miles to 3yr/36k miles. :( since i drive so many miles, i was thinking about an extended warranty. if that sounds like a good idea, can any one recommend an extended warranty company? thx What? https://www.bogleheads.or...
by Crow Hunter
Fri Dec 04, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Dog house
Replies: 23
Views: 1197

Re: Dog house

Hay or straw or whatever sounds bad for a dog that goes in and out a lot - I assume it would track inside. It's a short-haired dog that doesn't get much, if any, of a winter coat. Our dogs shake off any of the straw that gets on them, it stays in the dog run. There isn't a trail of straw leading ou...
by Crow Hunter
Fri Dec 04, 2015 9:45 am
Forum: Personal Consumer Issues
Topic: Dog house
Replies: 23
Views: 1197

Re: Dog house

What breed of dog? I have a couple of labs. They are outdoor only dogs. In the winter we get several bales of wheat straw and cover the ground in their dog run. In Jan/Feb we stuff the same straw into their plastic dog houses. They almost never stay/sleep in the dog houses unless it is raining/snowi...
by Crow Hunter
Thu Dec 03, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: Inherited RMD strategy
Replies: 10
Views: 850

Re: Inherited RMD strategy

I think the differences between these strategies are minimal. Do whichever is most convenient. That said, why not use the inherited IRA to pay down your debt? (Is interest on the farm loan deductible?) I doubt that TBM is going to return 4.1%/yr in the near future, so I see nothing wrong with takin...
by Crow Hunter
Thu Dec 03, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Inherited RMD strategy
Replies: 10
Views: 850

Re: Inherited RMD strategy

My strategy (Strategy 1) up to today has been that I would 100% reinvest Total Bond dividends and invest the Total International dividends into Total Bond. Then at the end of the year, sell Total International in the IRA and buy it in my Taxable account to meet my RMD requirements which are relativ...

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