Search found 883 matches

by Crow Hunter
Wed Sep 19, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3747

Re: Does this job exist (another want-to-quit-corporate-world thread)?

Depending on where you live you could "work on the river". There is a guy I work with that was a crewman on a barge tug. He was one month on, one month off. You got on the boat and you stayed on the boat until your trip was finished. It was a lot of outside work with your hands and you got to see th...
by Crow Hunter
Fri Sep 07, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: How important is "completion" of an index?
Replies: 8
Views: 658

Re: How important is "completion" of an index?

In my opinion, it's not at all important. If you are convinced that you want a small-cap or small-cap value tilt , you would want much more than the amount that is naturally in a total market fund, anyway. If you don't, it is not important. Other things being equal, if you barely have to lift a fin...
by Crow Hunter
Fri Sep 07, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: taking home equity for credit card debt?
Replies: 19
Views: 1248

Re: taking home equity for credit card debt?

Reading between the lines: I assume you lost your job in which you were "treading water" and able to pay for the mortgages on the two homes you own out of state but you didn't have enough to retire and pay for health insurance. So you took a job in another state where you have to pay an additional $...
by Crow Hunter
Fri Sep 07, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: How important is "completion" of an index?
Replies: 8
Views: 658

Re: How important is "completion" of an index?

vineviz wrote:
Fri Sep 07, 2018 10:36 am
Practically speaking, funds that are less than 10% of your portfolio aren’t going to make a significant difference one way or another.

Don’t sweat it.
That was what I was thinking.

I just didn't want to miss anything that other members of the B.org may have figured out that I haven't. :)
by Crow Hunter
Fri Sep 07, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: How important is "completion" of an index?
Replies: 8
Views: 658

Re: How important is "completion" of an index?

mhc wrote:
Fri Sep 07, 2018 11:46 am
It probably has very little impact if you do not "complete" the fund.

Since it is in an IRA, you could exchange it for VTIAX. That way you would be "complete".
I actually have VTIAX in my taxable account. I hold the VFWAX in my IRA to avoid wash sales. :)
by Crow Hunter
Fri Sep 07, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: How important is "completion" of an index?
Replies: 8
Views: 658

How important is "completion" of an index?

I currently have a holding in Vanguard FTSE All-World ex-US Index (VFWAX) in my rollover IRA. According to the wiki, to "complete" the index a 10% holding of small caps international is needed to more closely model the full International Market. So I would need to add something like Vanguard FTSE Al...
by Crow Hunter
Wed Sep 05, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Wash sale question
Replies: 11
Views: 602

Re: Wash sale question

I have shares of VTIAX purchased last week in my IRA. If I sell all of those shares on the same day I sell the VTIAX in my taxable account, does that create a wash sale? I was assuming that since all the shares are being sold on the same day, no shares would exist after the sale to be considered re...
by Crow Hunter
Tue Sep 04, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Wash sale question
Replies: 11
Views: 602

Re: Wash sale question

If the shares you sell in taxable are at a loss you will have a wash sales. The loss is disallowed and the cost basis of the replacement shares should be adjusted accordingly. However since the buy and sell are in separate accounts the broker is relived from making/reporting the adjustment. That la...
by Crow Hunter
Tue Sep 04, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Wash sale question
Replies: 11
Views: 602

Wash sale question

I have shares of VTIAX purchased last week in my IRA. If I sell all of those shares on the same day I sell the VTIAX in my taxable account, does that create a wash sale? I was assuming that since all the shares are being sold on the same day, no shares would exist after the sale to be considered rep...
by Crow Hunter
Mon Sep 03, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with next step on investment choices.
Replies: 4
Views: 315

Re: Help with next step on investment choices.

I didn't realize that FSITX was so close to Total Bond, thank you for pointing that out. It was just recently (couple months ago) added as an option to my 401k. That will actually make my life much simpler. I had been just keeping an eye on my bond allocation and when it went out of tolerance, I wou...
by Crow Hunter
Mon Sep 03, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Help with next step on investment choices.
Replies: 4
Views: 315

Help with next step on investment choices.

I am nearing a crossroads. It is a great place to be but I am not sure where to go from here. I am keeping my bonds in my tax advantaged accounts. My preferred bond allocation is Vanguard Total Bond Fund. However, I am "running out of room" in non-Roth accounts at Vanguard. So I will need to make a ...
by Crow Hunter
Mon May 07, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 7028

Re: When to buy new underwear?

You buy them? I thought they just appeared in the underwear drawer all scratchy and stiff after I finally got them worn in enough to be really comfortable. I always wondered where they came from and where my old comfortable underwear went. Come to think of it, when we first got married would complai...
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: 10281

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: 2236

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: 4183

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: 4183

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: 4183

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: 4183

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: 4183

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: 4183

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: 2414

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: 2414

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: 2172

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: 2172

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: 14092

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: 103
Views: 8158

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: 1696

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: 12169

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: 11904

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: 22718

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: 11904

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: 22718

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: 22718

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: 244
Views: 32764

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: 244
Views: 32764

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: 621

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: 952

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: 952

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: 952

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: 903

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: 903

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: 903

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: 60
Views: 10107

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: 2519

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: 2519

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: 30955

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: 1232

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: 1232

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: 1232

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: 4803

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...