Search found 940 matches

by Crow Hunter
Tue May 12, 2020 1:11 pm
Forum: Personal Investments
Topic: Net asset value driven glide path models
Replies: 7
Views: 547

Re: Net asset value driven glide path models

As of last time I looked I was a little over 25X expected not counting SS or my wife's pension benefits. I have planned on retiring when I get to 35X. Right now my AA is 68/32 Stock/bonds. The C-19 market gyrations have made me strongly consider potential sequence of returns risk. My wife and I stil...
by Crow Hunter
Mon May 11, 2020 1:20 pm
Forum: Personal Investments
Topic: Net asset value driven glide path models
Replies: 7
Views: 547

Re: Net asset value driven glide path models

Anybody out there?

No one else uses or as contemplated this besides me, Johnsson and PJW?

:mrgreen:
by Crow Hunter
Sun May 10, 2020 12:22 pm
Forum: Personal Investments
Topic: Net asset value driven glide path models
Replies: 7
Views: 547

Net asset value driven glide path models

Hi B.org! Up to fairly recently I have just used a basic Age-15 in bonds asset allocation model. That didn't really seem to track my ability, need and willingness to take risk to meet my retirement number. So instead, I projected what year I would hit my number of 33X expected retirement expenses an...
by Crow Hunter
Mon Apr 20, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Re: Car Dealers not really wanting to make a deal

I am RAV4 Prime curious. What's your guesstimate for OTD price? And what is the fed credit expected to be - $7500? Not sure how far Toyota is to 200k ecars I am not sure. The predictions I have seen on RAV specific forums are more expensive than a XSE but less than a Limited. :) No one knows for su...
by Crow Hunter
Mon Apr 20, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Re: Car Dealers not really wanting to make a deal

I have a target price in mind of what I want to pay for a new RAV4 whether it be a 2020 gas model or a 2021 Prime. Of course I expect to pay more for the Prime and I am willing to, assuming the $7,500 credit applies and the quoted mileage will let me drive to work and back in EV most of the time. I ...
by Crow Hunter
Mon Apr 20, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Re: Car Dealers not really wanting to make a deal

Maybe the 2021 Primes will be available at a reasonable price by then. Or a dealer wants to actually sell me a 2020 for what I think is a reasonable deal by then. :wink: I'm going to be blunt.... and you remind me a lot of my dad in your comments on the auto market because he would make a lot of th...
by Crow Hunter
Sun Apr 19, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Re: Car Dealers not really wanting to make a deal

I anticipate that used car prices may go lower. There's a lot of used inventory just sitting, and reports are that the auction market is barren of buyers. Maybe that's the answer for the OP. My 2008 RAV4 is pretty reliable. Only one non-routine maintenance item (water pump). I only have 100K miles ...
by Crow Hunter
Sun Apr 19, 2020 5:47 pm
Forum: Personal Investments
Topic: CD's in taxable vs Total Bond Tax Advantaged
Replies: 2
Views: 249

Re: CD's in taxable vs Total Bond Tax Advantaged

Given current yields, the tax cost on CDs in a 22% bracket may be less than the tax cost on stocks with qualified dividends taxed at 15%. However, CDs don't avoid the risk of losing value if rates rise. If you buy a five-year $10,000 CD, and rates rise by 1% in one year, your CD balance will still ...
by Crow Hunter
Sun Apr 19, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Re: Car Dealers not really wanting to make a deal

None of the local dealers are willing to make much of a deal at all. Of course I live in a very rural area and there really isn't a whole lot of competition around. There is a Toyota dealer in my town but the next closest one is 50 miles away. There is a dealer that is about a hour and a half away t...
by Crow Hunter
Sun Apr 19, 2020 3:37 pm
Forum: Personal Investments
Topic: CD's in taxable vs Total Bond Tax Advantaged
Replies: 2
Views: 249

CD's in taxable vs Total Bond Tax Advantaged

Ages: 46/41 DINK Top edge of 22% Marginal tax rate Debt free Max all tax advantaged accounts Him - some furloughs coming, layoff not expected but certainly possible (100+ years, never a layoff at company) Her - Job secure ~$45k/year living expenses 6 month Emergency fund in place (not part of below ...
by Crow Hunter
Thu Apr 16, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Re: Car Dealers not really wanting to make a deal

They don't even want to make a deal on a left over 2019 version. I agree that they just don't see a need right now. I am not in any hurry. I am working from home anyway so I don't actually "need" the car I have right now. :sharebeer I was just thinking I might be able to take advantage of some prici...
by Crow Hunter
Thu Apr 16, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31068

Car Dealers not really wanting to make a deal

I keep reading online about how "Car dealers are hurting", "No one is buying cars", "Now is a great time to buy a car". Not in my local area apparently. I shopped for a RAV4 in Jan, early this week I shopped for a nearly identical vehicle. No real difference in the price. My wife suggests that deale...
by Crow Hunter
Thu Mar 19, 2020 8:39 pm
Forum: Personal Investments
Topic: Stay with Vanguard Total Bond or something else?
Replies: 9
Views: 1450

Re: Stay with Vanguard Total Bond or something else?

Thanks all. I originally picked Total Bond because it was recommended in the Wiki. When MBS was in the news as the new evil and you should pick something other than VTBLX because of the MBS component, I stuck with it. When interest rates didn't have anywhere to go but up and short term bonds were wh...
by Crow Hunter
Wed Mar 18, 2020 8:32 pm
Forum: Personal Investments
Topic: Stay with Vanguard Total Bond or something else?
Replies: 9
Views: 1450

Re: Stay with Vanguard Total Bond or something else?

Any low-cost, intermediate-term, investment-grade bond fund should do the job of fixed income in a mixed stock / bond portfolio. We spill way too many pixels around here arguing over bond fund minutia that's unlikely to make much long term difference. Total Bond should be fine. There are others whi...
by Crow Hunter
Wed Mar 18, 2020 11:19 am
Forum: Personal Investments
Topic: Stay with Vanguard Total Bond or something else?
Replies: 9
Views: 1450

Stay with Vanguard Total Bond or something else?

For reference, when I TLH I go to cash in my taxable account and sell bonds in my tax advantaged accounts and buy similar but not identical stock funds then reverse it after 30 days. Due to my latest TLH actions, I am for the most part, completely out of Vanguard Total Bond fund for the fixed income...
by Crow Hunter
Wed Mar 04, 2020 2:15 pm
Forum: Personal Investments
Topic: Bond funds up, take inherited RMD now?
Replies: 6
Views: 482

Re: Bond funds up, take inherited RMD now?

You do not have to take the RMD now to get some money out of the bond funds. If you wish, you can transfer money from the bond fund to a money market fund within the IRA . Then you can take the RMD from the MM fund at your convenience. Ah. I hadn't thought of that. Very cool idea. :sharebeer
by Crow Hunter
Wed Mar 04, 2020 8:15 am
Forum: Personal Investments
Topic: Bond funds up, take inherited RMD now?
Replies: 6
Views: 482

Bond funds up, take inherited RMD now?

I have an inherited IRA that I have 100% invested in bonds. I usually wait until December to take my RMD, but with bond funds at a "all time high" would it make sense to go ahead and take my RMD's now? With a higher than "normal" share value, if I take it now, I will get to keep more shares in the I...
by Crow Hunter
Tue Jan 14, 2020 4:40 pm
Forum: Personal Investments
Topic: Financial Engines very aggressive recommendation
Replies: 22
Views: 1952

Re: Financial Engines very aggressive recommendation

I honestly don't know what they are basing their recommendations off of. This was just a snapshot preview of what they were going to be sending me in a packet. They possibly have more information about their assumptions in the packet when I get it. It wasn't anything I asked for, it is just somethin...
by Crow Hunter
Tue Jan 14, 2020 11:48 am
Forum: Personal Investments
Topic: Financial Engines very aggressive recommendation
Replies: 22
Views: 1952

Financial Engines very aggressive recommendation

My company recently sent me an email about a new "benefit" they were going to give employees. They are working with Advised Assets Group, LLC (AAG) via Financial Engines to give all employees a Retirement Evaluation. They offered a preview of what will be in the packet they were going to be mailing ...
by Crow Hunter
Sun Jan 12, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

JMacDonald wrote:
Sun Jan 12, 2020 7:40 pm
I know it is far in the future, but come back and let us know how your ladies fared in the Big Apple. :happy
Will do. :)
by Crow Hunter
Sun Jan 12, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

They have tickets and a hotel room! I really, really appreciate everyone's help. Saved me quite a bit of money AND took a lot of decision making out of my MIL hands. Which is always a great thing because she can make the most simple decision into a monumental task. I think the CIA should use my in-...
by Crow Hunter
Sun Jan 12, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

They have tickets and a hotel room! I really, really appreciate everyone's help. Saved me quite a bit of money AND took a lot of decision making out of my MIL hands. Which is always a great thing because she can make the most simple decision into a monumental task. I think the CIA should use my in-l...
by Crow Hunter
Sun Jan 12, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Thanks for all the information.

You guys are great!
by Crow Hunter
Sun Jan 12, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Until a few months ago, I worked up the block from the theater and slept over often in the area when work prevented a commute. Hilton Garden Inn at 8th Avenue and 49th Street is reasonably priced, clean, quiet, centrally located in the city and near to the theater. Avoid Broadway, 7th and 8th Avenu...
by Crow Hunter
Sat Jan 11, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Does MIL have any mobility issues? How many nights? I'd recommend at least 3 or 4. There are many things to do in NYC. Personally I would never stay in the Times Square area but it is closest to theater. It is very touristy, over-crowded, and it not representative of the rest of the city but if you...
by Crow Hunter
Sat Jan 11, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

What about hotels/travel? Any places to avoid? Budget and type of traveler you are will help define. NYC is, well, large. Rubes from the South. Like to keep all in price less than $2k would be ideal but this will be a once in a lifetime trip (cost and her age) for my MIL who is a huge Broadway and ...
by Crow Hunter
Sat Jan 11, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

What about hotels/travel? Any places to avoid? Budget and type of traveler you are will help define. NYC is, well, large. Rubes from the South. Like to keep all in price less than $2k would be ideal but this will be a once in a lifetime trip (cost and her age) for my MIL who is a huge Broadway and ...
by Crow Hunter
Sat Jan 11, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

JMacDonald wrote:
Sat Jan 11, 2020 9:42 pm
Crow Hunter wrote:
Sat Jan 11, 2020 9:32 pm
What about hotels/travel?

Any places to avoid?
TripAdvisor can help you:

https://www.tripadvisor.com/Hotels-g607 ... otels.html
Thank you!
by Crow Hunter
Sat Jan 11, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

What about hotels/travel?

Any places to avoid?
by Crow Hunter
Sat Jan 11, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Trip to NYC/Broadway

My wife is wanting to take her Mother to NYC to watch Music Man with Hugh Jackman once it starts playing. Neither of us has ever been to NYC or tried to get tickets to a Broadway show. Travel agent or are there "package deals" or is there a better way to go about this? Any advice would be appreciated.
by Crow Hunter
Thu Oct 24, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6948

Re: Best credit card for 2 mil+ in annual spending?

XM16E1 wrote:
Wed Oct 23, 2019 5:15 pm
Crow Hunter wrote:
Wed Oct 23, 2019 2:37 pm
I just wanted to say I like your screen name! :D

:sharebeer

:D arfcom?
8-) :D :twisted:
by Crow Hunter
Wed Oct 23, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6948

Re: Best credit card for 2 mil+ in annual spending?

I just wanted to say I like your screen name! :D

:sharebeer
by Crow Hunter
Wed Oct 09, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1563

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Excellent information. Thank you! My ICE Corolla now averages 38 MPG according to the internal computer. I have manually checked it a few times and it is very close. So a RAV 4 that gets slightly more would actually be an upgrade and it would make my wife happy. :) I tried to talk my wife into anoth...
by Crow Hunter
Tue Oct 08, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1563

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Before deciding on make/model, please visit the online car-specific forums. Toyota and Honda, both, have major problems with various parts in their late models. All are documented, to a degree, on NHTSA but some VERY harrowing 1st hand examples are in the make/model forums from owners. Dealers with...
by Crow Hunter
Tue Oct 08, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1563

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Hybrid RAV-4 would be on my list -- not sure about my better half's list. The Toyota hybrid system is quite reliable, and you can just forget about it. Our 2006 Prius in approaching 200k miles no new brakes yet, so I would look at fuel savings and low maintenance. I am not sure if the RAV4 has the ...
by Crow Hunter
Tue Oct 08, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1563

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Why don't you test drive them both? For a 30 minute commute averaging 45mph, you're going 22.5 miles each way. You'll have to do your own math as to whether the hybrid makes more economic sense. I'm more surprised that after 173k miles in a 9 year old Corolla, that you even feel the need to get a g...
by Crow Hunter
Tue Oct 08, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1563

Hybrid w/CVT or Non-Hybrid 8 speed

After the first of the year I will be in the market for a 2020 RAV 4. I am currently trying to decide which version to get. I have never owned a hybrid and have only driven one a single time. I drive about 30 min each way to work every day. Most of that is on a 65 MPH highway. So I was leaning towar...
by Crow Hunter
Mon Jun 17, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark
Replies: 21
Views: 2576

Re: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark

This should give you a rough estimate. While it is a gross sales number and could be skewed by having a higher priced product, it could give you a rough idea of who sells more. https://windowanddoor.com/article/may-2018/top-100-manufacturers-2018-report However, since most of these companies aren't ...
by Crow Hunter
Sun Jun 16, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark
Replies: 21
Views: 2576

Re: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark

I work in the industry. While the company you go with is important, the installer is more important. The highest quality product you get installed by the lowest quality installer will perform significantly worse than a lower quality product installed the right way by an expert. The higher quality p...
by Crow Hunter
Sat Jun 15, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark
Replies: 21
Views: 2576

Re: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark

I work in the industry. While the company you go with is important, the installer is more important. The highest quality product you get installed by the lowest quality installer will perform significantly worse than a lower quality product installed the right way by an expert. The higher quality pr...
by Crow Hunter
Fri Jun 14, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Side x Side/Utility Vehicle
Replies: 20
Views: 1531

Re: Side x Side/Utility Vehicle

A lady I work with has a Polaris and loves it. The reliability issues I've just read about online. One of my brother-in-laws works at a John Deere dealership, so I did look into them. I'm looking for something that can haul my family of 5 and the largest John Deere XUV only seats 4. They have one t...
by Crow Hunter
Fri Jun 14, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Side x Side/Utility Vehicle
Replies: 20
Views: 1531

Re: Side x Side/Utility Vehicle

Cool something I know about/have experience with. I had a 2016 Honda Pioneer 1000, broke me on ever buying another Honda Offroad product ever again, even though I owned a Honda Rincon and a Recon for almost a decade prior to buying the Pioneer. Worst thought out design I have ever owned. Appeared to...
by Crow Hunter
Tue Mar 19, 2019 3:40 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 13889

Re: What is your U.S./ex-U.S. stock allocation?

60/40 ish

I waffle between that and 65/35 but haven't actually bought/sold anything.
by Crow Hunter
Sat Mar 09, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36615

Re: [2018 tax return - How does it compare to previous years?]

~4.5% increase in AGI from 2017 to 2018.

Effective tax rate went down from 15.5% to 13%. :moneybag

Standard deduction both years.

We are DINKS in a VLCOL area, no mortgage, AGI was ~$165k for 2018.

Went from owing ~$250 to getting a refund of ~$150

:sharebeer
by Crow Hunter
Tue Feb 05, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What does financial peace look like to YOU?
Replies: 64
Views: 6284

Re: What does financial peace look like to YOU?

This is a GREAT question that I really haven't ever thought about. I don't know. I am a multi-millionaire, completely debt free, and have a combined W-2 income of $175k expected to potentially go up quite a bit this year and I live in a VLCOL area. I still don't have "peace". I am right now looking ...
by Crow Hunter
Wed Jan 30, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Buying land for a future house building site....
Replies: 8
Views: 643

Re: Buying land for a future house building site....

I have done this, twice. I had purchased 200 acres that I eventually sold after finding an even nicer 70 acre property closer to my Mother where I wanted to retire. It took me over 2 years to sell the 200 acres for what I wanted to get out of it. Since buying the property, my Mother has passed away ...
by Crow Hunter
Thu Jan 17, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Wrong about international bonds?
Replies: 26
Views: 3551

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: 3551

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: Personal Investments
Topic: VTIAX or VTSAX for taxable
Replies: 10
Views: 1238

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...