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Re: Teaching Kids Money Management (under age 10)

When our kids were young (8-10 years old?), we gave them $3 per week. $1 goes to tax, $1 to savings and $1 for whatever they wanted to spend it on. When they got older it's was $6 per week. Than they got jobs. The saving rate was even better than when they were little kids. We wanted them to learn ...
by wingnutty
Sun Mar 23, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Kids Money Management (under age 10)
Replies: 11
Views: 933

Teaching Kids Money Management (under age 10)

My wife and I have 4 kids (twin 1 babies, 4 yo and 6 yo). I'd like to start teaching our older daughters responsible money management. This is something I'd like to work on throughout childhood, teen years, etc. I have some ideas, but i would like to hear from others what has worked for them? I am s...
by wingnutty
Sun Mar 23, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Kids Money Management (under age 10)
Replies: 11
Views: 933

Re: Target Retirement Fund or Build your own?

I'm 33 and have gone back and forth on whether to leave our funds (distributed in his/hers Roth IRA's, 403b and 401K) in target retirement funds, or to separate them out into individual funds to match a TR fund at a slightly lower expense ratio. So far, every time, the simplicity of the TR funds hav...
by wingnutty
Tue Mar 04, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund or Build your own?
Replies: 32
Views: 2819

Re: Dental Insurance?

That stinks :( I have 2 kids with obviously different bacteria. The older one gets a lot of plaque in his mouth but no cavities and the younger one had 3 cavities at 3 years old! I hope she won't have to have crowns at 6! Have you heard of Zellies? I think I'm going to order some and start making s...
by wingnutty
Sun Jan 26, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 30
Views: 2034

Re: Dental Insurance?

We had dental insurance and dropped it last year. We have 4 kids (2x9 month old twins, 4 yo, 6 yo). Went to the dentist last month, the 6 year old has cavities in ALL of her back molars! We were shocked! We take care of her teeth, dentist 2x/year, brush 2x/day, she doesn't drink pop, or much juice ...
by wingnutty
Sun Jan 26, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 30
Views: 2034

Re: Dental Insurance?

We had dental insurance and dropped it last year. We have 4 kids (2x9 month old twins, 4 yo, 6 yo). Went to the dentist last month, the 6 year old has cavities in ALL of her back molars! We were shocked! We take care of her teeth, dentist 2x/year, brush 2x/day, she doesn't drink pop, or much juice a...
by wingnutty
Sat Jan 25, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 30
Views: 2034

Re: What to do with non-retirement savings?

If your income is in range to allow Roth IRAs, one question is whether you're maxing the TSPs? If not, that's the first place to put more money. In today's uncertain environment, I'd want at least a year of liquid assets for emergencies, because no matter what your occupation, no job is really secu...
by wingnutty
Wed Jan 01, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1473

Re: What to do with non-retirement savings?

Thanks sscritic, let me clarify:

We currently do own a home: mortgage = 225K @ 3.75%, 28 years left on mortgage. House value = ~$300K, no plans on moving and we plan on keeping said house for long-term time horizon
We do not have additional taxable retirement savings.
by wingnutty
Wed Jan 01, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1473

What to do with non-retirement savings?

Just wondering what the general consensus is on what people do with taxable, non-retirement savings. Example, my wife and I (both 33 yrs old) fully fund Roth IRA's and put additional monies over the match into our 401k's, totaling ~20-25% of total combined income. Total retirement accounts as of now...
by wingnutty
Wed Jan 01, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1473

Re: Is it time for me to find a new job?

I work in govt and am a manager. I get your frustrations, totally understand where you are coming from. I think you need to look around a bit and see what else is out there. It sounds like it might be time for a new challenge.
by wingnutty
Tue Dec 31, 2013 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to find a new job?
Replies: 33
Views: 3858

Re: Credit Card Bonuses

We did the credit card rewards thing for a while before we got too busy with twin babies. We ended up selling some points to points2rewards or something like that and got a ~ $1.25/pt return on our points, worked well and was a pretty good deal. When we were spending some time finding/using reward c...
by wingnutty
Tue Dec 31, 2013 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4061

Re: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strate

I appreciate the well thought out responses. I'll continue to do some more research before I make any major switch-ups, but Hoppy, your recommendations are excellent. I've enjoyed the "Completely lazy target retirement index" strategy so far, but it might just be time to make some minor t...
by wingnutty
Mon Dec 30, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strategies
Replies: 7
Views: 635

Re: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strate

I appreciate the well thought out responses. I'll continue to do some more research before I make any major switch-ups, but Hoppy, your recommendations are excellent. I've enjoyed the "Completely lazy target retirement index" strategy so far, but it might just be time to make some minor tw...
by wingnutty
Mon Dec 30, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strategies
Replies: 7
Views: 635

Fed Employee; TSP vs Vanguard Roth IRA Allocation Strategies

I am a federal employee (GS11). My wife and I, both 33, have done well saving, given our income and the fact that we have 4 kids including twin babies. Right now we have ~50K each in Roth IRA's at Vanguard, I have ~90K in my traditional TSP and she has ~15K in her 401K at Fidelity. Historically, we ...
by wingnutty
Mon Dec 30, 2013 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strategies
Replies: 7
Views: 635

Re: Tractor for my 12 Acre Horse Farm

I don't have a lot to add in the tractor dept., but I would strongly suggest just buying hay vs purchasing additional heavy metal to put up hay. You'd need much more than 12 acres to be able to financially justify purchasing machinery.
by wingnutty
Mon Nov 18, 2013 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 2180

Re: Co-Worker Gift Etiquette

Any chance the gift was stolen and not paid for at all? Or even re-gifted? uh wait, what? We had an office white elephant christmas party one time. Everyone made gifts or purchased inexpensive items, but I bought an ipad in order to make everyone think I was really awesome and generous. It went ove...
by wingnutty
Fri Oct 25, 2013 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Co-Worker Gift Etiquette
Replies: 11
Views: 1296

Re: Just hit the million mark net worth today

Well done! Well done! Savor this, because you earned it. It's an important milestone in most of our lives and one that I someday hope to experience. Take some time and money and spend it on yourself and your family!
by wingnutty
Sat Oct 19, 2013 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 9321

Re: GOV shutdown affecting home purchase

Sorry to hear about your situation. I"m also a Fed employee and although I'm not having any major difficulties (thanks to our emergency fund, etc.), a lot of my co-workers are in various difficult situations as well. One of my employees was in the process of transferring duty stations and with ...
by wingnutty
Tue Oct 15, 2013 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: GOV shutdown affecting home purchase
Replies: 4
Views: 743

Re: squirrels

I saw on that show Shark Tank a buy making little electrified bird feeders to give squirrels a little shock, thought that was pretty funny. I'd probably go with a high powered pellet gun if you've tried other methods and those aren't working. A well placed pellet to the head would make short work of...
by wingnutty
Wed Sep 25, 2013 12:07 am
 
Forum: Personal Consumer Issues
Topic: squirrels
Replies: 25
Views: 1917

Re: Got fired earlier this week, now the boss wants me back

What others have said: get a signing bonus, or at the very least a pay increase and go back. I like the idea of a 3-month severance clause also. I'd be looking to go elsewhere while I continued working. No way I'd stay with this guy long term, but if I could get a bump in pay, or a nice one-time bon...
by wingnutty
Sat Sep 14, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 10937

Re: Choice Of Weapon For Personal Home Self Defense

We live in an area where police would not arrive for 5-20 minutes...I take my family's safety very seriously. I also hunt, so I have guns in the house. I have several 12 gauge shotguns handy, should the need arise. My children are young, but we teach them about gun safety very thoroughly. Guns are b...
by wingnutty
Mon Aug 26, 2013 1:02 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5664

Re: Friend likes stock-picking. How to change his mind?

It really isn't your job to convince him your way is better. Most all of us agree that indexing is the wisest choice, however, we are a minority when it comes to investors. I would discuss with him when brings it up, otherwise, I would leave it be. It really is none of your business. While we all ha...
by wingnutty
Mon Aug 12, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Friend likes stock-picking. How to change his mind?
Replies: 33
Views: 1888

Re: How do you order your steak?

Most of the wild game we eat is usually rare to medium rare as well. Cooking any wild game (deer, elk, duck, goose, grouse, pheasant, antelope, sandhill crane, moose...) past medium rare makes it unpalatable. I need to hangout with you. So awesome to have so much exposure to different types of prot...
by wingnutty
Sun Aug 11, 2013 7:54 pm
 
Forum: Personal Consumer Issues
Topic: How do you order your steak?
Replies: 76
Views: 3553

Re: How do you order your steak?

I really like rare to medium rare. I feel more comfortable eating rare if I know the animal that it came from and the way in which the meat was handled. Most of the wild game we eat is usually rare to medium rare as well. Cooking any wild game (deer, elk, duck, goose, grouse, pheasant, antelope, san...
by wingnutty
Sun Aug 11, 2013 2:32 pm
 
Forum: Personal Consumer Issues
Topic: How do you order your steak?
Replies: 76
Views: 3553

Re: [Eating] Fish

jeffyscott wrote:Seems like everything eats poop, including dogs, which we don't eat, but...
Image
:mrgreen:



Hahaha, awesome, thanks for the laugh! :D
by wingnutty
Sat Aug 10, 2013 1:46 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 81
Views: 6055

Re: [Eating] Fish

For those who love eating tilapia, it might be worthwhile to read this article: Tilapia raised on feces hits US tables http://money.msn.com/now/post--tilapia-raised-on-feces-hits-us-tables From what I have heard it is the same with shrimp raised in Asia. I always think twice before I eat shrimp now...
by wingnutty
Sat Aug 10, 2013 10:39 am
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 81
Views: 6055

Re: [Eating] Fish

I'm not a fan of fish, but fish a lot :? My wife and kids like fish, so when i have time to fish we eat it pretty often. Usually landlocked salmon (kokanee), perch, walleye, lake whitefish, lake trout. I get mad when she buys fish since I can usually catch whatever we want. But we do eat tuna and si...
by wingnutty
Fri Aug 09, 2013 10:41 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 81
Views: 6055

Re: Opinion on taking 2yr break from substantive retirement

Wow, feels good to know I'm not the only one in this position! LOL! :sharebeer My wife and I are 32 and 33 and have 4 kids (5 month old twins, 4 yo, 6 yo). Retirement savings thus far ~175K. Daycare is a killer! My wife also works 3 days/week. We live in Montana so our housing costs and incomes diff...
by wingnutty
Fri Aug 09, 2013 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on taking 2yr break from substantive retirement inv?
Replies: 43
Views: 3727

Re: casper wyoming

+1 on checking the forums at city-data.com - reading the local newspapers online probably very helpful General cautionary note about moving to small communities. I'd give some serious thought to what you and your family will do if this job doesn't work out and/or you want to change jobs again some ...
by wingnutty
Tue Aug 06, 2013 9:51 pm
 
Forum: Personal Consumer Issues
Topic: casper wyoming
Replies: 27
Views: 1916

Re: Photos of my bike tour from Missoula, MT to Japser, AB

Very nice! You rode right through my backyard 8-) , but you just missed my town...I live in Polson, MT, along Flathead Lake about 60 miles south of Whitefish.
by wingnutty
Sun Aug 04, 2013 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Photos of my bike tour from Missoula, MT to Japser, AB
Replies: 46
Views: 2964

Re: Career Transition Question

It seems like you are giving up a position with uniquely valuable skill set -- legislative, public affairs, communications skills -- and trading it for a position that anyone can do with a high school degree and good personality. I would look for a position that will better leverage your skill set,...
by wingnutty
Sun Aug 04, 2013 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Transition Question
Replies: 10
Views: 1048

Re: Term life question

Stupid question: When I search termlife, the nearest agent is 3 hrs away from me (I'm in Montana)...is there other ways to find agents that carry these companies?
by wingnutty
Sun Aug 04, 2013 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Term life question
Replies: 19
Views: 1706

Re: Poll: At what age did you hit $500k Net Worth

We're 33 and aren't there yet, hopefully in 2-4 years, depending on market conditions, etc. There really is a large range of factors that come into play with any of these types of comparisons. The arrival of our twins this spring, in addition to our other two kids will really decrease future savings...
by wingnutty
Sat Aug 03, 2013 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: At what age did you hit $500k Net Worth
Replies: 68
Views: 7390

Re: Building new house - central vacuum worth it?

We moved into a house that has central vac. We don't really care for it and don't really use it at all. I would never spend money to put it in. We have a dyson and it is just easier to move that from room to room than it is the central vac hose. With the quality of today's vacuums, I just don't see ...
by wingnutty
Fri Jul 26, 2013 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 35
Views: 3581

Re: first time home buyer- warning bells?

It kinda depends how handy you are. If you are very handy and this is a screaming deal, then maybe. If you are not handy, the walk away and don't look back. This house could very well be a pit and you need to be able to handle some basic repairs if it is. I agree with TRC, if this is an insanely che...
by wingnutty
Wed Jul 24, 2013 12:05 am
 
Forum: Personal Consumer Issues
Topic: first time home buyer- warning bells?
Replies: 23
Views: 1990

Re: Hit a financial milestone today

Great job! Now keep it up! I'm 32, and was about where you were when I was 28, now we're sitting at ~170K between Roth IRA's and our 401Ks. Just keep churning money into them and before long you'll pass the 100K milestone and then it is on to 250K, 500K, 1m.... But really, you gotta celebrate these ...
by wingnutty
Tue Jul 23, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hit a financial milestone today
Replies: 26
Views: 3142

Re: What risks did you choose to take?

double post, sorry
by wingnutty
Sun Jul 21, 2013 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What risks did you choose to take?
Replies: 18
Views: 1778

Re: What risks did you choose to take?

I think the biggest risk I've taken is to stick my neck out to support/protect an employee of mine when I knew she was correct and HR and the lead supervisor didn't believe or and/or accused her of lying. I could have ducked the issue and she would have probably been fired, but I couldn't do that, I...
by wingnutty
Sun Jul 21, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What risks did you choose to take?
Replies: 18
Views: 1778

Re: Road trip: Chicago to Yellowstone

I'm from Montana and can give you some pointers in this beautiful state. Here is a cool route you could take on your way home and see a lot of cool stuff: Day 1: Leave from West Yellowstone on Hwy 287, drive through the Madison Valley (beautiful), to the cute town of Ennis. Take Hwy 287 West out of ...
by wingnutty
Sun Jul 21, 2013 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 2183

Re: [Sad news - Pat Larimore]

I'm so sorry Taylor. She obviously made the world a better place. She will be missed by many. God bless.
by wingnutty
Fri Jul 19, 2013 12:13 am
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15425

Re: Gardening, the new year

I'm jealous of some of you who are already picking veggies. All we've got so far is radishes and lettuce. Our springs are just so much later up here. But, we are picking our strawberries now, ummmmm. The raspberries are a few weeks out and the blackberries are blooming. The blueberries are starting ...
by wingnutty
Sat Jun 29, 2013 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Gardening, the new year
Replies: 90
Views: 8045

Re: Thrift Savings Plan (TSP) Returns as of June, 2013

Very cool. Thank you for taking the time and for sharing! I may share this with some co-workers as well.

Much appreciated.
by wingnutty
Sat Jun 29, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan (TSP) Returns as of June, 2013
Replies: 10
Views: 1055

Re: [Poll] What's Your Current Mode of Camping?

We have a tent trailer, but haven't been able to use it this year because we had twins this spring. Camping with a 4 and 6 yo is hard enough, but with twins babies it just takes the fun out of it :shock: I did promise the girls that we would set up the tent in the backyard tonight and then go fishin...
by wingnutty
Fri Jun 28, 2013 7:13 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6414

Re: Is "buying organic" food worth it?

Would you trust "organic" label on "Made in Mexico" or "Made in Chile" apples / grapes / etc.? No. I would not really trust them. Like I said before, there are good organic producers and there are bad. Organic certainly doesn't always equate to 'better', of that I can ...
by wingnutty
Wed Jun 26, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 4228

Re: Is "buying organic" food worth it?

I work with organic and non-organic agricultural operations every day, I see a lot and have a lot of 1st hand experience. I think that for some crops, as Raybo mentioned, it is worth it. Is it a marketing ploy? Well, that is up to opinion. In some cases, yes, in others, no. It all boils down to how ...
by wingnutty
Wed Jun 26, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 4228

Giving Bogleheads book as gifts

So I've got a question for everyone. What are your thoughts on giving The Bogleheads Guide to Investing as a gift for say graduations, weddings, life events, etc.? I don't want to come off as pushy or give people the idea that I am prying into their lives as investing can be so personal, but I also ...
by wingnutty
Sat Jun 15, 2013 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving Bogleheads book as gifts
Replies: 4
Views: 400

Re: career advice: gov vs. private vs. non-profit (Env. Scie

There are pluses and minuses all around. One thing you'll want to think very hard about is if you want to be regulatory or non-regulatory. I work in natural resources and I am non-regulatory, I get to work with folks on a voluntary basis. You couldn't pay me enough to be in a regulatory field. If yo...
by wingnutty
Fri Jun 14, 2013 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: career advice: gov vs. private vs. non-profit (Env. Science)
Replies: 13
Views: 1100

Re: Full Time RVer - Mail and Internet

Wow, congrats! Living the dream. I sincerely hope you enjoy this new and well-earned adventure.

I've got no tips or ideas other than HAVE FUN :sharebeer
by wingnutty
Sat Jun 01, 2013 10:20 am
 
Forum: Personal Consumer Issues
Topic: Full Time RVer - Mail and Internet
Replies: 53
Views: 4539

Re: Does Vinegar kill weeds?

It gets into bodies of water and is a major factor in frog die-off. It reduces testosterone production and causes birth abnormalities in various animals. The EPA requires that people stay off treated areas for four hours (animals are out of luck, I guess.) It's made by Monsanto, which has a horribl...
by wingnutty
Fri May 24, 2013 9:16 am
 
Forum: Personal Consumer Issues
Topic: Does Vinegar kill weeds?
Replies: 31
Views: 2826

Re: What's the point? [job frustration]

Life is too short. We all know folks who worked, waiting like hell for retirement and then, as soon as they were retired, they got cancer and died. Life isn't worth being miserable, not for any amount of time. I worked in a high stress job a while back, but I didnt' make nearly as much as you do. I ...
by wingnutty
Thu May 23, 2013 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the point? [job frustration]
Replies: 42
Views: 4398
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