Search found 387 matches

by TierArtz
Tue Jun 02, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Home Defense against the Horde
Replies: 38
Views: 1990

Re: Home Defense against the Horde

If one or more bad actors try to break into my home, they've chosen their destiny. After seeing the outcome, the rest would likely go next door. There, they'd encounter my retired police officer/rancher neighbor who's arsenal makes me drool. My neighbor across the street is a firearms dealer. I feel...
by TierArtz
Wed May 13, 2020 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5487

Re: Discarding old tax returns

I'm an outlier; my collection goes back to 1987. Every once in a while, leafing through them reminds me I was poor and happy :-)
by TierArtz
Wed May 06, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169686

Re: What frugal thing did you do today?

DW and kids have been participating in the school district's free curbside meal service; twice daily on MWF; for any student under 18; no paperwork required; great deal!
by TierArtz
Sun May 03, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3923

Re: Lawnmower recommendation

A Honda. My Honda mower is 9 years old and has a lot of life left in it. All I do is change the oil, spark plug and air filter every other year or so, sharpen the blades a couple of times per mowing season, and rinse of the air-filter, pre-filter after several mowings. I usually use the mulch plug; ...
by TierArtz
Fri May 01, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5345

Re: Do you keep moving your cash around chasing yield?

No; same bank for the last 35 years. But, I did opt for Prime MM at VG for keeping Jan 02 Roth powder working a bit harder.
by TierArtz
Wed Apr 29, 2020 9:41 am
Forum: Personal Investments
Topic: Moving elderly parents' Asset Allocation
Replies: 18
Views: 1274

Re: Moving elderly parents' Asset Allocation

I've recently taken over my father's investments. It will be important for you to be given "trusted agent" status and perhaps POA to be able to manage the accounts for your parents. Just knowing their passwords would work for awhile, but you should ensure the correct permissions are established whil...
by TierArtz
Tue Apr 28, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7154

Re: How do you explain no COVID19 Stimulus Payment?

Working from home and not venturing out much, I've not been asked. I doubt I'll be asked, but if it happens, stating "Our family was not eligible" is honest. Amazingly, perhaps, some on Nextdoor (mine and about 15 surrounding developments) were openly stating "We/I made to much money to qualify." I ...
by TierArtz
Sun Apr 26, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3321

Re: Have you tracked spending during quarantine?

I track spending very closely with Quicken. Not counting taxes, not much of a decline was noted (29K in 2020 vs 31k in 2019), and the variations in categories could be random. It's plausible increases in utilities (kids and DW home during day), home maintenance (DW has more time to buy project suppl...
by TierArtz
Thu Apr 23, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1678

Re: Which new kid's bike to buy online?

My three kids, 10-14, all have 24" Specialized mountain bikes. Other than flat tires from thorns, there have been no problems.
by TierArtz
Thu Apr 23, 2020 2:06 am
Forum: Personal Consumer Issues
Topic: Recomendation for indoor tree/plant to fill a large space?
Replies: 12
Views: 744

Re: Recomendation for indoor tree/plant to fill a large space?

Ficus tree. The one I left in Maryland 10 years ago is a lovely monster per the family who inherited it.
by TierArtz
Wed Apr 22, 2020 2:09 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11023

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

1. Tax loss harvesting. 2. Rearranged location and type of bonds. My 401(k), TSP, and NQDCP are now 100% bonds and VG Intermediate Tax-Free Muni was sold and moved to stock indexes in my taxable brokerage. 3. Upped my 401(k) after-tax percentage due to my employer suspending the 401(k) match :( The ...
by TierArtz
Wed Apr 22, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6159

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

Camry Hybrid (or gas version). If you might need hatch-back hauling space, more closely consider the Prius. I owned a 2005 Prius and loved it - traded it in on a Sienna when the 3rd baby came. I borrowed my in-laws Hybrid Camry for weeks over the past decade, and for each trip, I wished the trunk wa...
by TierArtz
Mon Apr 20, 2020 7:44 pm
Forum: Personal Investments
Topic: Mechanics of Holding, but not Using, X-Years of Cash or Bonds?
Replies: 50
Views: 2798

Re: Mechanics of Holding, but not Using, X-Years of Cash or Bonds?

I'm a late stage accumulator (3-5 more years) and a military retiree. Recently, instead of watching shifts in my portfolio relative to an arbitrarily picked AA (such as 60:40) and redirecting bi-weekly contributions in an attempt to keep it locked there, I've decided to institute a "ceiling" of 20-Y...
by TierArtz
Mon Apr 20, 2020 3:24 pm
Forum: Personal Investments
Topic: Auto 401k contributions
Replies: 11
Views: 457

Re: Auto 401k contributions

I'm paid every other Friday. The 401(k) purchase happens on Monday or Tuesday - 1 or 2 business days later.
by TierArtz
Sun Apr 19, 2020 1:15 am
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 28
Views: 1868

Re: Office chair recommendation for carpeted home office

If you decide you need a mat for easier rolling, I highly recommend USA-made products from The Mat Store: https://thematstore.com/
I ordered a custom-shaped mat (roughly 6x5') to fit an L-shaped desk/work area from them three years ago and love the ease of movement it provides.
by TierArtz
Fri Apr 17, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5458

Re: Convince me - for or against bigger home

One way or another, I'd reconfigure or move so the kids are not in your bedroom. I have three kids in a 3400 sq ft home (3 BR and one home office) and wish it were bigger. The kids (B, G, B; average age = 12) all share the same bedroom and master bathroom with no issues - yet. The advice about large...
by TierArtz
Fri Apr 17, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Pause cell service without losing number
Replies: 13
Views: 911

Re: Pause cell service without losing number

Explore the options on Verizon-wireless. I recently paused my teenage son's Verizon phone for about 7 days for not minding fast enough about getting off of FaceTime with friends. The process asked me about pausing charges. I elected not to as I figured that carried a higher chance of fees/hassle and...
by TierArtz
Thu Apr 16, 2020 12:18 am
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3266

Re: Do most Bogleheads TLH?

I'm one more who does. First time was 2018. This year, I harvested about $35K in capital losses; if my timing was better, it could have been 2-3X that. This year, my TLH was part "classical" and part shifting to re-balance and/or relocate investments. Shifts were: Some Total stock market to All-Worl...
by TierArtz
Sat Apr 11, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 92
Views: 6077

Re: How long after starting investing, did you start to be happy about the power of compounding?

7 Years or so. I started investing in 1988 and ramped over the decades from saving about 10% of gross income to about 35%. I did not notice (and be happy) at the time, but thanks to Excel and the OP's question, I note 1995 (7 years after starting) was the first time yearly gains were greater than th...
by TierArtz
Fri Apr 10, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any point in contributing to a nondeductible IRA?
Replies: 16
Views: 748

Re: Any point in contributing to a nondeductible IRA?

For the least hassle-factor, I recommend the first step going through the back door is to buy a MM fund within the traditional/non-deductible IRA; then covert to a Roth IRA as soon as it settles and buy whatever stock fund one wants in the Roth IRA. The initial use of a MM fund prevents being caught...
by TierArtz
Tue Apr 07, 2020 11:01 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3130

Re: Coffee Grinders

I use a La Cimbali Jr. Max dosing espresso grinder I bought 17 years ago for $496. If I recall correctly, it weighs 37 lbs. Works great!! Coffee geek review: http://coffeegeek.com/reviews/grinders/ ... ijr/latest
by TierArtz
Mon Apr 06, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 139
Views: 9712

Re: Gardening 2020

I tilled the garden (30x30') and adjusted the irrigation zones. Including pots outside of the garden, wife and kids planted radishes, tomatoes, jalapeno and medium banana peppers (those two are mine), bell peppers, cucumbers, pumpkin, water melon, broccoli, egg plant, cotton (for school projects), a...
by TierArtz
Mon Apr 06, 2020 2:45 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16353

Re: What percentage of your paycheck do you invest?

Presently, roughly 36% of gross pay/pension/farm profit. Historically, average of 26% over the last 34 years.
by TierArtz
Mon Apr 06, 2020 2:36 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20128

Re: What are you doing for haircuts due to coronavirus shutdown?

I've cut my own hair (USA-made clippers) for 15 years and my boys' hair for as long has they've had it. For clippers with standard guides, mine is #4 to #8 and the boys are #5 to #12.
by TierArtz
Thu Apr 02, 2020 8:40 pm
Forum: Personal Investments
Topic: Exceeded the $56,000 401k Limit in 2019
Replies: 9
Views: 1183

Re: Exceeded the $56,000 401k Limit in 2019

I'm in nearly the same situation as OP. My employer did a perfect job of cutting regular and catch-up contributions at their limit on my last pay period of 2019, but some lumpy extra pay at the end of the year put the after-tax total above the limit (inclusive of employer matching). I also received ...
by TierArtz
Thu Apr 02, 2020 1:38 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 41422

Re: How Much in Your Emergency Fund And Is It Used?

I don't have a designated emergency fund. I have about $25K in cash (checking/savings/MM) and a dependable pension. Beyond that, I have about 20 years of expenses covered in my taxable brokerage. SS and the ability to tap retirement accounts will kick in before taxable runs out. I'm blessed; In my f...
by TierArtz
Wed Apr 01, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6034

Re: Online / Gun Dealer Recommendations

Sportsman's Warehouse offers a 5% military discount. They have them in NV. If they do not have what you want on the shelf (likely right now) you can order through their website for delivery to your local store. You can't apply the discount while ordering on-line, but they will give you store credit ...
by TierArtz
Sun Mar 29, 2020 12:26 am
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 6969

Re: Share what worked in your plan during the crisis

Very stable job
Guvment Pension
25 years expenses in bonds (roughly 40%) at start
Reduced bond holdings to 20 years expenses to re-balance/buy low
Tax loss harvesting
Resisted doing anything too stupid (stayed on course, but the worst may be ahead of us)
by TierArtz
Mon Mar 23, 2020 10:20 pm
Forum: Personal Investments
Topic: TLH - no brainer?
Replies: 7
Views: 798

Re: TLH - no brainer?

Don't forget that banked losses can be used each year to offset distributed income (sent to settlement account for reinvestment in my case). Distributions can and will occur in bad (down) years. Offset all those, and after that, the $3k/year of earned income reduction starts. Of course, this will be...
by TierArtz
Mon Mar 23, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129020

Re: Masks (medical or N95) availability

I have no idea when masks will become available to retail consumers. There is plenty of data to support masks are of limited use to retail consumers interested in going into public places. I found a very interesting 100 Q&A posted by the TEDMED foundation - Dr. Peter Piot, a microbiologist and co-di...
by TierArtz
Sat Mar 21, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4528

Re: [Work From Home] - What does your company pay for?

I've been 100% WFH for about 10 years. My location and lack of commute is my main perk. I use company-provided computer hardware, cell phone, other needed hardware, and shipping materials. They offer office supplies and printer ink, but just buying them myself (maybe $100/year) is less painful than ...
by TierArtz
Sat Mar 21, 2020 2:18 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25681

Re: How much you lost/gain since Feb 20,2020 ?

More than my nice house is worth; 6x remaining mortgage; 3 years salary - hanging on and invested my bonus in S&P500 - roughly 60:40 portfolio.
by TierArtz
Sat Mar 21, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 5006

Re: Are you in the mood to buy anything?

I bought a pistol, a revolver, two gun belts, two holsters, and lots of ammo in the last month for personal security and target practice. If I were not feeling much poorer and the safe was not full, I'd love to build a MSR: High-end suppressed 300 AAC with thermal-option scope for wild hog hunting.
by TierArtz
Fri Mar 20, 2020 1:22 am
Forum: Personal Investments
Topic: 529 plans and volatility
Replies: 9
Views: 621

Re: 529 plans and volatility

I use Vanguard 529s and their "aggressive" aged-based option (glide path). My kids will start college in 2024, 2025, and 2028. Presently, their 529s are 50:50, 60:40, and 70:30, respectively. Each account gets $250 per month. The two eldest were started at the same time (2007) with a T. Rowe Price 1...
by TierArtz
Thu Mar 19, 2020 11:13 am
Forum: Personal Investments
Topic: TLH Ping-Pong - Any problems?
Replies: 7
Views: 512

Re: TLH Ping-Pong - Any problems?

Thanks again iceport! A year from now, TurboTax and I shall prevail over this confusing issue.
by TierArtz
Thu Mar 19, 2020 11:08 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50845

Re: How Is Your Job Being Impacted By The Current Crisis?

I work remotely in a narrow field as a drug development scientist for a global company. The pandemic may really increase the company's workload. I also hope pharmaceutical companies increase the percentage of drugs produced in the USA.
by TierArtz
Thu Mar 19, 2020 2:06 am
Forum: Personal Investments
Topic: Should I still max out our Roth IRA?
Replies: 3
Views: 461

Re: Should I still max out our Roth IRA?

Yes; max out an IRA every year you can. Whether Roth or traditional depends on the situation. Roth is right for me and my spouse (via the back door) and possibly for you.
by TierArtz
Thu Mar 19, 2020 1:51 am
Forum: Personal Investments
Topic: TLH - when I already have VFWAX and VTIAX
Replies: 2
Views: 185

Re: TLH - when I already have VFWAX and VTIAX

How about Developed Markets Index Admiral (VTMGX)? You could exchange everything into that fund for 31 days, and then go back to your favored fund for greater diversity. If considering that, look up the dividend date for VTMGX and either make the switch after the dividend is paid, or consider the im...
by TierArtz
Thu Mar 19, 2020 1:19 am
Forum: Personal Investments
Topic: TLH Ping-Pong - Any problems?
Replies: 7
Views: 512

Re: TLH Ping-Pong - Any problems?

Thanks JoinToday, iceport, and Misenplace! The consensus seems to be no wash sale impact, irrespective if there really was a wash sale. The last three lots acquired did not replace older lots sold at a loss, because the latest ones were sold at a loss also. And, there are presently no VTIAX lots to ...
by TierArtz
Wed Mar 18, 2020 11:48 pm
Forum: Personal Investments
Topic: TLH Ping-Pong - Any problems?
Replies: 7
Views: 512

TLH Ping-Pong - Any problems?

On March 10th, I sold every lot of VG Total International Stock (VTIAX) in my taxable brokerage; all had a long- or short-term capital loss, totaling about $7,200 and the most recently purchased lots were acquired on Feb 27th, March 2nd, and March 5th. Those lots and all others back to 2015 were exc...
by TierArtz
Tue Mar 17, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4945

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

A large freezer in the garage might be more useful. I bought one to store a couple hundred pounds of elk meat a few years ago. That dream did not come through, so DW took command of the freezer and has it largely full of Costco-sourced food. The garage temperature ranges from 40 to 115 degrees, and ...
by TierArtz
Tue Mar 17, 2020 12:00 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55580

Re: How to get Toilet Paper ? seriously.

I was on three military installations in the last week. All were out of TP and paper towels. The blue rolls of shop towels in Automotive were in stock - could hacksaw into thirds. Coctco microfiber shop towels cut into 4ths and laundered would likely be more comfortable.
by TierArtz
Mon Mar 16, 2020 1:18 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2150

Re: Anyone Rebalancing Today, 3/16/20?

I’m in the BH fraction that will likely never sell bonds to buy stocks. It will likely harm my long-term portfolio return, but I’m not going to risk losing the FI game. I’ll pour about $150K/year new income into stock indexes for the next few years and then call it quits.
by TierArtz
Mon Mar 16, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9274

Re: What is your AA, given your age ? and this crisis ?

I’m late 50s and had been using contributions to keep my AA at 60/40. But, the 40% equaled about 25 years in expenses not covered by a pension, which I felt was too conservative. My new plan is 20x in fixed income. Two weeks ago that equated to a goal of 62/38. Today, my portfolio is probably about ...
by TierArtz
Sun Mar 15, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: Should people STOP investing in favor of boosting their emergency funds?
Replies: 83
Views: 5547

Re: Should people STOP investing in favor of boosting their emergency funds?

I suggest those with earned income continue to expand their tax-advantaged space to the max - especially if their family already has an emergency fund (or adequate taxable account MM/bond indexes). Prior to the shift in investment index pricing, I was buying bond funds instead of stock funds in my 4...
by TierArtz
Sat Mar 14, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129020

Re: Coronavirus (Consumer Issues) How you are preparing?

I’m trying to teach my 9-year old not to touch everything while out in public. If we get sick or quarantined, we have enough citrus, doves, and rabbits in the back yard to survive for weeks :twisted:
by TierArtz
Sat Mar 14, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: Suggestions for top notch router?
Replies: 56
Views: 2192

Re: Suggestions for top notch router?

I have been quite pleased with a Netgear X10 for the last three years or so. It has many features: tri-band, supports NAS, has a 10 GB input. I subscribe to 200 Mbs service through Cox and wireless devices are often near that speed. Wired devices are at speed or up to 250 Mbs. At peak it supports tw...
by TierArtz
Tue Mar 10, 2020 1:00 am
Forum: Personal Investments
Topic: TLH Partner for Vanguard International Index funds
Replies: 3
Views: 339

Re: TLH Partner for Vanguard International Index funds

In 2019 I swapped all of my dad's VTIAX (Total International Index) lots for one lot of VFWAX (All-World ex-US Index Fund). A week ago, or so, I switched back to VTIAX. I harvested about $2700 in losses last year and $3600 in losses so far this year for him. The main difference is that VFWAX does no...
by TierArtz
Tue Mar 03, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: What % of total assets do YOU have in DAF?
Replies: 13
Views: 911

Re: What % of total assets do YOU have in DAF?

2018 was our first DAF-funding year. We put in roughly four years of charitable contributions via appreciated Vanguard Total Stock Market shares (VTSAX), which represented about 10% of our taxable brokerage - bunching, the tax break on LTCG, and improved cash flow (back into taxable instead of a cha...
by TierArtz
Mon Mar 02, 2020 1:48 am
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: [Why aren't forum members following the "Stay the course" approach?]

I confess; I upped my target stock allocation from 60% to 65% based on data. My new mental IPS is to calculate ((yearly expenses - pension) X 20) = fixed income reserve. Compute the 20X reserve/portfolio total = fixed income percentage (1% max cash). The rest will be equities. Based on current expen...