Search found 893 matches

by Crow Hunter
Thu Jan 17, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Wrong about international bonds?
Replies: 26
Views: 2494

Re: Wrong about international bonds?

So the consensus is that risk should be taken on the equity side and bonds are "safe money" and the diversification evident in the 2018 performance difference isn't warranted based on the risk of International Bonds?

Or is there something else that can be gleaned?
by Crow Hunter
Tue Jan 15, 2019 3:21 pm
Forum: Investing - Theory, News & General
Topic: Wrong about international bonds?
Replies: 26
Views: 2494

Wrong about international bonds?

When Vanguard first added International bond funds to their Target Retirement many people thought (including me) that it was a bad idea and there really wasn't a good reason to do it. While looking over 2018 returns: Vanguard International Bond Fund (VTIABX) +2.93% Vanguard Total Bond Fund (VBTLX) -...
by Crow Hunter
Fri Jan 11, 2019 11:17 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX or VTSAX for taxable
Replies: 10
Views: 849

Re: VTIAX or VTSAX for taxable

I will keep my International/Domestic allocation no matter what, I was just trying to decide if it still made sense to keep the International in taxable (my previous method) or keep it in tax advantaged. I have read several arguments for both. VTIAX in taxable gives you the foreign tax credit but e...
by Crow Hunter
Fri Jan 11, 2019 10:25 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX or VTSAX for taxable
Replies: 10
Views: 849

Re: VTIAX or VTSAX for taxable

At least for my tax situation, some years VTSAX seems to be more tax-efficient and some years VTIAX seems to be more tax-efficient. Or splitting VTIAX into large / small and putting small foreign in tax-advantaged is more tax-efficient. However, the tax-efficiency numbers are close enough that othe...
by Crow Hunter
Fri Jan 11, 2019 10:21 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX or VTSAX for taxable
Replies: 10
Views: 849

Re: VTIAX or VTSAX for taxable

I will keep my International/Domestic allocation no matter what, I was just trying to decide if it still made sense to keep the International in taxable (my previous method) or keep it in tax advantaged. I have read several arguments for both. VTIAX in taxable gives you the foreign tax credit but ex...
by Crow Hunter
Fri Jan 11, 2019 9:51 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX or VTSAX for taxable
Replies: 10
Views: 849

VTIAX or VTSAX for taxable

I tax loss harvest by selling VTIAX or VTSAX in my taxable account and buying Prime MM while simultaneously selling bonds in my tax advantaged accounts and buying a FTSE or SP500 index. When my 31 days have elapsed, I reverse the trade. I have a fairly significant amount (low 6 figures) of cash sitt...
by Crow Hunter
Thu Jan 10, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12633

Re: Recommendations for a 9mm handgun

I worry that leaving clips loaded and untouched for too long will weaken the springs so try to shoot regularly and only leave them half loaded when idle. You must practice! Quick target acquisition isn't always easy especially if it's moving. SNIP However, I have seen many "frugal" (dumb) people at...
by Crow Hunter
Tue Jan 08, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12633

Re: Recommendations for a 9mm handgun

This isn't the best place to get recommendations for this type of question. I suggest Pistol-forum.com. There are a lot of professional trainers/shooters as well as hard core shooting junkies that will give you excellent advice on both what type of weapon is best for you as well as excellent trainin...
by Crow Hunter
Tue Jan 08, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 905

Re: Engineer Co-op question

I was an Engineering Manager for 7 years and I would always choose an entry level engineer with Co-op experience over one without. At my current employer, Co-ops are paid quite well. Actually our co-ops are paid higher than some entry level engineers in the area. A new engineer started a couple of y...
by Crow Hunter
Tue Jan 08, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 905

Re: Engineer Co-op question

You absolutely should apply. Manufacturing Engineering doesn't require you to have a Manufacturing degree and it would be great experience. I know that if you were applying to my company, we would definitely hire you. We hire 10-12 Co-ops each year and they are integral to our operation. We typicall...
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: 3787

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: 670

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: 1273

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: 670

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: 670

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: 670

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: 632

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: 632

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: 632

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: 327

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: 327

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: 7196

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: 10410

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: 2268

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: 4246

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: 4246

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: 4246

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: 4246

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: 4246

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: 4246

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: 2434

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: 2434

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: 2250

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: 2250

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: 14243

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: 8265

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: 1741

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: 12459

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: 12017

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: 22834

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: 12017

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: 22834

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: 22834

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: 33391

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: 33391

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: 690

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: 965

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: 965

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: 965

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: 922

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...