Search found 302 matches

by TierArtz
Sat Dec 07, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Do you strictly manage your portfolio percentages of stocks and bonds?
Replies: 62
Views: 4102

Re: Do you strictly manage your portfolio percentages of stocks and bonds?

I try to, but realize precision is likely not going to do me much good. I'm also in the accumulation phase, and my target AA is 60% stocks and 40% fixed income, including 1.5% in money market. Right now, I'm no more than 1% off my targets and I entertain myself by recomputing my error from target at...
by TierArtz
Wed Dec 04, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 97
Views: 5789

Re: Does anyone have a dishwasher they recommend?

We've had a Miele dishwasher in our past three homes and absolutely love them. The first one was in Germany and the second and third were installed after whatever came with the home died. They work great, are very quiet, and are generally dependable. I'd also say they are good for the environment be...
by TierArtz
Mon Dec 02, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Apps or structured program for reading the Bible?
Replies: 36
Views: 1983

Re: Apps or structured program for reading the Bible?

For a few years, I read it yearly. One reading used the NIV Daily Bible, which has the date milestones in the text. Other times, I've followed a Bible reading plan I downloaded. At church, I always read on my phone or an iPad using the YouVersion app. That app also has reading plans. I've read sever...
by TierArtz
Sat Nov 30, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you saving for retirement in 2019?
Replies: 82
Views: 5331

Re: How much are you saving for retirement in 2019?

2019 is going to exceed all others for amount saved because my employer first offered after-tax 401k contributions, starting in August. Retirement savings included: 401K (basic, match, catch-up, and after-tax): $62K IRAs (backdoor Roth x2): $14K Non-qualified deferred compensation: $39K Total to ret...
by TierArtz
Sat Nov 30, 2019 3:19 pm
Forum: Personal Investments
Topic: Please evaluate annuity surrender plan
Replies: 8
Views: 671

Re: Please evaluate annuity surrender plan

Thanks to all for the additional input! The BH wiki was the inspiration for the portfolio and bringing the non-qualified annuities to VG was the first step in getting rid of them. I'm already keeping the effect on SS taxation in mind, but I'd not considered the impact on the Medicare IRMAA surcharge...
by TierArtz
Sat Nov 30, 2019 7:28 am
Forum: Personal Investments
Topic: Please evaluate annuity surrender plan
Replies: 8
Views: 671

Re: Please evaluate annuity surrender plan

Thank you very much Dale!

The only things I know about annuities are what I learned on this website. I appreciate it and folks like you so much!

TierArtz
by TierArtz
Fri Nov 29, 2019 7:05 pm
Forum: Personal Investments
Topic: Please evaluate annuity surrender plan
Replies: 8
Views: 671

Please evaluate annuity surrender plan

I'm attempting to NOT inherit an annuity! I’ve taken over managing investments for my father (83). After the death of my mother several years ago, I’ve helped him consolidate accounts at about 10 investment companies into three accounts at Vanguard: a taxable brokerage, a traditional IRA, and a vari...
by TierArtz
Wed Nov 27, 2019 11:33 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 849
Views: 108877

Re: That's enough for me in 2019

Your 20% YTD beats my 19.3% YTD on a 60/40 mix of indexes, a slice of ESPP selling, and stuffing lagging indexes with biweekly bucks - congratulations! You probably had more fun too :P
by TierArtz
Wed Nov 27, 2019 11:19 pm
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 71
Views: 4603

Re: Is a minivan worth it?

Yes! When the third kid was due, we bought a 2011 Toyota Sienna Limited (in early 2010). It has 120K on it now, and has basically just needed standard maintenance. As the kids get older, you'll want to have them as far apart as possible.
by TierArtz
Tue Nov 26, 2019 9:52 pm
Forum: US Chapters
Topic: Arizona Chapter
Replies: 118
Views: 18203

Re: Arizona Chapter

I plan to attend.
by TierArtz
Sun Nov 24, 2019 6:23 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 6590

Re: Which funds do YOU have in your taxable account?

Admiral shares of total stock market, international stock market, intermediate-term tax exempt, tax-managed small cap, prime money market, and cash accruing in my ESPP. Together, they represent about 41% of investments intended for retirement.
by TierArtz
Sat Nov 23, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in farmland
Replies: 14
Views: 1794

Re: Investing in farmland

I have a section (640 acres) of inherited dry-land farmland/pasture. Between average to low yields, low grain prices, paying the manager, sharing with the operator, ripping out most of the pasture, and investing in other improvements, its not made enough to take a profit in two years! Meanwhile, the...
by TierArtz
Wed Nov 20, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 58
Views: 3589

Re: Vacuum recommendations

I love my Miele canister vacuum (Complete C3 model); here's a page showing their offerings: https://www.mieleusa.com/domestic/canister-vacuum-cleaners-1780.htm It beats the prior Dyson and Rainbow vacuums we've tried. The Miele cleans very well, is quiet, and bags are not too expensive when ordered ...
by TierArtz
Mon Nov 11, 2019 11:55 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3458

Re: What’s in your TSP?

My TSP is 100% G fund and about 6% of my total portfolio and 17% of my bond slice of a 60/40 mix. Before seeing the beauty of simplicity, I mirrored my allocations (large, small, International, bonds) across the TSP, IRAs, 401K, and taxable. It was an ungainly, tax-inefficient, mess. If my TSP was a...
by TierArtz
Mon Nov 11, 2019 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7902

Re: Do you charge your employer for the time that you spend working on your off days?

Yes; I’m required to account for my time in 15 minute increments (Estimated and there is no QC). I work remotely, on a metric, basically salaried, and scheduled on a project-basis a year or more out. I do not have set office hours and am free to manage my daily schedule as I please. Vacations are al...
by TierArtz
Sun Nov 10, 2019 8:40 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 218
Views: 12147

Re: Tax Deferred : Taxable : Tax Free

Interesting question; I had not calculated it before: Taxable (41%) and no cash to add to it. Roth (36%); will be adding to IRAs and the after-tax slice of my 401k with Roth conversion (about $39K per year). Deferred (23%); adding the max to a 401k and about 21% of my pay to deferred comp (about $65...
by TierArtz
Tue Oct 29, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Goodbye Sheet Music, hello tablet
Replies: 9
Views: 1071

Re: Goodbye Sheet Music, hello tablet

I use an iPad Pro 12.9" for sheet music. The app I use is forScore; it is excellent. I use a Coda Music Technologies "Stomp" bluetooth page turner (made in USA). There are lots of ways to get music into forScore. I either scan it to PDFs or download PDFs and save them to a forScore directory in Drop...
by TierArtz
Tue Oct 29, 2019 2:09 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 472978

Re: What are you up YTD? [Year To Date]

18.2% YTD (annualized Quicken calculation) on a 60:38:2 portfolio.
by TierArtz
Mon Oct 28, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5342

Re: Who does your tax returns?

I model personal (joint) taxes in Excel to ensure I'm withholding enough from pay to avoid a penalty or a refund. Any needed adjustments are made to my military pension withholding as it's all on-line and changes are implemented quickly. I use TurboTax for preparation and filing of personal taxes. F...
by TierArtz
Sun Oct 27, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 7562

Re: Have you ever purchased a pricy musical instrument?

I recently bought a $2400 electric ukulele to keep my $1600 and $1000 acoustic ukuleles company; so far, I can only play one or two string finger style, but I love them all! I also have a nice American-made Paul Reed Smith P24 electric guitar ($3700) I bought to learn on - still plucking strings and...
by TierArtz
Thu Oct 24, 2019 7:03 pm
Forum: Personal Investments
Topic: Payoff rental with ESPP or BENE IRA
Replies: 5
Views: 369

Re: Payoff rental with ESPP or BENE IRA

I'd use the ESPP funds first and agree with Uncle Scrooge that they should be liquidated as soon as possible after purchase. I tried to make top bucks on ESPP for years until I compared how my company fared over the long term with VG Total Stock Market; the overall return was just about equal, but t...
by TierArtz
Thu Sep 26, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Quicken Subscription Renewal
Replies: 31
Views: 2223

Re: Quicken Subscription Renewal

I need to look up/experiment how to quote to better answer questions. Also, I renewed, not reviewed Quicken Premier 2019 :oops: To RickBoglehead: My installed version was definitely Premier. I found the original package (2-year membership to 2018 Quicken Premier), which was frequently updated via th...
by TierArtz
Thu Sep 26, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Quicken Subscription Renewal
Replies: 31
Views: 2223

Re: Quicken Subscription Renewal

I successfully reviewed Quicken 2019 Premier this AM. I changed to the subscription pattern (update from 2016) via an initial 2-year plan two years ago (Nov 02, 2017). Nags to extend for a year recently began when opening Quicken; I think for $79.99. I bought 2019 Premier via Amazon for $43.00 and r...
by TierArtz
Mon Sep 23, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Accounts that allow Trust beneficiaries
Replies: 16
Views: 842

Re: Savings Accounts that allow Trust beneficiaries

For checking and savings accounts (one each; same bank), the family trust is an account holder in addition to my wife and I. Our taxable investment account is a trust brokerage account. For retirement accounts, the trust is listed as a contingent beneficiary (spouse is primary).
by TierArtz
Mon Sep 23, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 79
Views: 9331

Re: Apple iPhone iOS 13 Discussion

I upgraded two iPhone 6s+ and a 7 to iOS13. The mail app is the only buggy feature I've noted. There's one email from a crazy mother of a child's classmate that won't say deleted and a couple of blanks were message should be that also won't delete. It seems only Microsoft mail is affected. Speed on ...
by TierArtz
Tue Sep 17, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 39
Views: 2118

Re: Mustang...GT or Ecoboost?

Get the GT! It's not the exact same car, but my BIL took me for a demonstration ride in his 2013 Boss 302 Mustang and used the Track Key (secondary key to engage performance tuning). The acceleration and sound were both amazing! I'm not sure I'd want to drive it every day. I think he mainly takes it...
by TierArtz
Wed Sep 11, 2019 4:12 pm
Forum: Personal Investments
Topic: Tax loss harvesting in brokerage accounts
Replies: 11
Views: 859

Re: Tax loss harvesting in brokerage accounts

A week ago I sold all lots of VG Total International Stock Index (VTIAX) with a loss (happened to be all of them) in my father's brokerage account by exchanging them (same day) for VG FTSE All World ex US Index to harvest about $2800 in losses. It would have been about a $4K loss, but the market wen...
by TierArtz
Wed Sep 11, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9784

Re: How old is your cellphone?

4 years. Ours are 6s+ iPhones. One (mine) had a battery replacement, but both are working great. My eldest is in 8th grade and thinks he's the only kid in the school of 1200 without a phone. Maybe I'll by me an 11 Pro+ and give him a 6s+.
by TierArtz
Sun Sep 08, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6582

Re: Did humanity ever make good Gas cans

Metal safety can from Amazon with a metal spout. I have a 5 gallon Eagle can that serves me well. The Justrite brand seems to have better reviews.
by TierArtz
Fri Sep 06, 2019 7:07 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1926

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

That was likely a fine move; definitely BHish. I sold my last shares of a single stock this year, also; in the same general industry. MS's X-ray shows more of J&J in my portfolio indexes than my vehicles are worth. :shock: Did not realize it was so big!
by TierArtz
Fri Aug 30, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum to keep in checking account?
Replies: 40
Views: 3336

Re: Minimum to keep in checking account?

I'm a Quicken addict; income and bills are tracked two months out. I keep roughly a $500 buffer in checking after paying the biggest bill (credit card). Anything above that is moved to VG prime money market.
by TierArtz
Tue Aug 27, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15478

Re: Best of Bogleheads - your #1 takeaway

How to select the location of investments across multiple accounts (consider your portfolio as a whole) and tax-efficient fund placement: https://www.bogleheads.org/wiki/Tax-eff ... _placement
by TierArtz
Mon Aug 26, 2019 1:41 am
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 178
Views: 11967

Re: How Have You Planned for Sequence of Return Risk (SOR)?

1. Earned a military retirement 2. I down shifted from age minus 25 in bonds to 60/40 3. Got used to LBYM and invested 25% over the last 30ish years. 4. Above got me to over 50X annual expenses beyond pension; including 20 years fixed income. 5. Kicking savings rate to over 50% income in the home st...
by TierArtz
Thu Aug 22, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Dual-use "dress" / comfy shoes: Matte Black, locally sourced--starting with Brown Rockport Pro-walkers
Replies: 24
Views: 2100

Re: Dual-use "dress" / comfy shoes: Matte Black, locally sourced--starting with Brown Rockport Pro-walkers

I have a pair of Born shoes (black leather slip-ons) that I love. They are business casual dressy but comfortable enough to wear on long walks. Perhaps a Born Nigel 3-eye would suit your needs: https://www.bornshoes.com/Product.aspx?ProductID=14794 They are similar to the shoes I enjoy, but have lac...
by TierArtz
Tue Aug 20, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Bed/frame recommendations
Replies: 6
Views: 869

Re: Bed/frame recommendations

How about a bunkie board?: https://purple.com/blog/bunkie-board

We use them on each of our kid's double bed; but under a Tempur-Pedic mattress. Perhaps a bunkie-board covered with a memory foam mattress topper would work. Hope you can find relief from the back pain.
by TierArtz
Sat Aug 17, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 3997

Re: iPad Pro 12.9 - 3rd Generation

@Protagonist: sorry your iPad has not yet arrived. You asked about connecting to other services to feed sheet music to fourScore. Google Drive should work based on the Extras page of fourScore: https://forscore.co/extras/ I've experimented with three cases. The Apple keyboard smart case gets used th...
by TierArtz
Fri Aug 16, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 472978

Re: What are you up YTD? [Year To Date]

60/40 S/B; up 16.7% IRR. I was finally "convicted" and sold all of my ESPP shares. My IRR would be 15.43% if not for those sales. That just goes to show holding onto ESPP shares is probably not going to make much of a positive difference.
by TierArtz
Thu Aug 15, 2019 1:43 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 3997

Re: iPad Pro 12.9 - 3rd Generation

Protagonist; for sheet music on my 3rd gen iPad Pro, I use the app called "forScore". I love it and was introduced to it by two leading musicians at my church. My present approach to getting music into it is to scan to PDF, if not already available. After that, I save the PDFs to a forScore folder i...
by TierArtz
Fri Aug 09, 2019 5:11 pm
Forum: Personal Investments
Topic: Rob taxable to afford after-tax 401(k)?
Replies: 9
Views: 946

Re: Rob taxable to afford after-tax 401(k)?

Thanks, MathIsMyWayr, for suggesting to heavily contribute to the after-tax early each year! Since I do not know exactly what the employer match will be, I'll be a bit cautious to avoid over-contributing. Fidelity does a good job of catching that on ESPP ($25k limit) but Mega backdoor Roth 401(k) is...
by TierArtz
Fri Aug 09, 2019 2:04 pm
Forum: Personal Investments
Topic: Rob taxable to afford after-tax 401(k)?
Replies: 9
Views: 946

Re: Rob taxable to afford after-tax 401(k)?

Thanks David Jay and terran! Sorry I did not explain the Roth slice of the 401(k) well. I have some Roth contributions in it from years ago. There is an option to immediately and automatically convert the new after-tax dollars to Roth 401(k). That dodges having any taxable growth occurring , as woul...
by TierArtz
Fri Aug 09, 2019 12:32 pm
Forum: Personal Investments
Topic: Rob taxable to afford after-tax 401(k)?
Replies: 9
Views: 946

Rob taxable to afford after-tax 401(k)?

My employer added after-tax 401(k) contributions to our Fidelity-run plan and provided notice this week. Unfortunately, there are only ten more pay periods in the year and I want to contribute the max for this and all future years until I retire (probably about 5 years from now). It’s also unfortuna...
by TierArtz
Wed Aug 07, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Largest spending category - is this an outrageous amount?
Replies: 56
Views: 3954

Re: Largest spending category - is this an outrageous amount?

As others have mentioned, "shopping" is too broad a category to be useful. But, your total spend for a family of 6 is similar to my total for a family of 5 with the same general exclusions. For the most part, your subcategories not sucked into shopping are similar to my subcategories. My kids think ...
by TierArtz
Fri Aug 02, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: luxury vehicle: what income/asset range
Replies: 75
Views: 4993

Re: luxury vehicle: what income/asset range

Buy what you want and can afford in harmony with other goals. In 2005, DW and I (teacher/military) went from an Accord and a Saab 900 to a Lexus SUV and a Prius. We paid cash for the Lexus (55k) and got a loan on the Prius. Vehicle choice factors were first baby on the way (SUV vs.minivan) and sick ...
by TierArtz
Fri Jul 26, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Worthwhile to repair Honda Push Mower or buy new?
Replies: 28
Views: 1483

Re: Worthwhile to repair Honda Push Mower or buy new?

If I go the new route, would I be getting the same quality product as these old hondas? Or have they cheapened them down where it probably wont last as long as the good quality of the old days? I've been pushing a mower for 50 years, and attempt easy fixes (enabled by YouTube). My present mower, pu...
by TierArtz
Wed Jul 24, 2019 10:11 pm
Forum: Personal Investments
Topic: Donor Advised Fund: Asset Allocation
Replies: 13
Views: 902

Re: Donor Advised Fund: Asset Allocation

The family DAF is right at one year old. We used Vanguard Charitable and donated enough appreciated Total Stock Market to equal about 4.5X in donations. I googled asset allocation for DAFs and landed back at BH, Kitces, or White-Coat Investor. Everybody has an opinion and nobody knows what would hav...
by TierArtz
Mon Jul 22, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of children
Replies: 49
Views: 2170

Re: Cost of children

Based on Quicken data, we spend about 4% (10 year average) of our total non-investment , non-charity expenditures on "child expenses". That tends to be toys, school supplies, diapers, club fees, etc, expended on three kids. Call it $4,000 per year. It does not include the kids' share of food, housin...
by TierArtz
Fri Jul 19, 2019 10:15 am
Forum: Personal Investments
Topic: Variable Annuity Question
Replies: 8
Views: 569

Re: Variable Annuity Question

I'm helping my father rid his finances of six different annuities from five different insurance companies. All the funds are going to Vanguard and I've discovered Vanguard representatives to be very helpful. The process to use depends on if there is an IRA inside of the annuity (qualified) or not (n...
by TierArtz
Thu Jul 18, 2019 3:57 pm
Forum: Personal Investments
Topic: Allocation / Rebalancing based on Fund or sector?
Replies: 4
Views: 253

Re: Allocation / Rebalancing based on Fund or sector?

I'm still working and also steer toward my target AA largely via additions. I use Morningstar (M*) and Excel to visualize where my next additions need to go. If AA matters at all (it does), its worth getting right. Presently M* instant X-ray states FSKAX is 77% large cap, 17% mid-cap, and 6% small c...
by TierArtz
Thu Jul 18, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: SERIOUS MONEY book is 20 years old this month
Replies: 13
Views: 1914

Re: SERIOUS MONEY book is 20 years old this month

Thanks Rick! I used the PDF to break in a new iPad Pro on my last fight. I really enjoyed it.

TierArtz
by TierArtz
Wed Jul 17, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2769

Re: replacing mulch bed recommendations

I vote for crushed rock of at least 1" diameter. I have to constantly fight to keep needles, seeds, leaves, and dropped blossoms from overtaking the rock the previous owners added. I spend as much time blowing (largest hand-held Stihl gas blower) organic debris into the adjacent grass for mulching a...