Search found 244 matches

by TierArtz
Sun Jun 16, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 36
Views: 2468

Re: Mosquitos

I use a DynaTrap 1 Acre insect and mosquito trap: https://www.homedepot.com/p/Dynatrap-1-acre-Insect-and-Mosquito-Trap-DT2000XL/203151930 It uses a black-light for general bug attraction and also somehow also emits C02 as a mosquito attractant. A fan/vacuum effect catches the pests as they enter the...
by TierArtz
Fri Jun 14, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need "Professional Trustee?"
Replies: 42
Views: 2511

Re: Do I need "Professional Trustee?"

I also do not think you need a professional trustee. Two competent adults (you and your sister) can handle the job. If you feel better about using one, I suggest you evaluate what Vanguard National Trust Company can do for you. I have selected them to be co-trustee with DW if I'm promoted from this ...
by TierArtz
Thu Jun 13, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3252

Re: Do you repair your own appliances?

Not very often (too busy and have ten thumbs and limited tools). I do maintain my own lawn and pool equipment. My penultimate repair was diagnosing and repairing a heating element on a water heater. It was a great excuse to buy a nice Fluke 117 multi-meter and a huge socket to remove the element. Th...
by TierArtz
Wed Jun 12, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 41
Views: 2470

Re: Short-term money needs for Executor of Estate

Now I understand the question. I'll be looking for ideas. If my spouse passes I'm the trustee. If I pass first, my spouse and VG National Trust Company are co-trustees. If I go first, she'll handle the bills and they the investments. Our kids will be minors for a long time. Hopefully one of them wil...
by TierArtz
Wed Jun 12, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 41
Views: 2470

Re: Short-term money needs for Executor of Estate

I'm going to be the executor of my father's estate. My sister and I recently realized he was a gullible target for every annuity salesperson who came his way. With his permission, we've begin consolidating an odd mix of seven annuities, three IRAs (two overlapping with annuities), four bank accounts...
by TierArtz
Wed Jun 12, 2019 8:30 am
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3496

Re: Asset allocation for those in their late fifties

I'm 57, have a military pension, a bit of farm income, and may work until I'm 62. I've picked a 60/38/2 (S/B/C) allocation and do not plan on gliding either direction or having any tilts. I'm following VG's lead with 40% International in the equities slice. I do not see the need for a separate emerg...
by TierArtz
Tue Jun 11, 2019 9:44 am
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2228

Re: How aggressive is your AA? Can you help me with mine?

Since the OP asked: I'm 57 with no set plans for retirement. My AA is 60/40 S/B (likely fixed) with 40% VTIAX in the stock component. Since I have a military pension I've been pulling from for 10 years and nearly guaranteed health care, I could be more aggressive if I wished to be. As others have me...
by TierArtz
Fri Jun 07, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Gift for niece who is graduating as a Physician Assistant.
Replies: 33
Views: 3032

Re: Gift for niece who is graduating as a Physician Assistant.

The book, How Doctor's Think: https://www.amazon.com/How-Doctors-Thin ... 886&sr=8-1

It's very well reviewed, and I enjoyed reading it despite having no patient contact.
by TierArtz
Wed Jun 05, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3041

Re: Refrigerator Advice

We have a GE stainless-look French door refrigerator with bottom freezer. DW can find things in the freezer, and I hate trying. Its main downfall is the ice maker and stock drainage system. The ice maker has been replaced three times in the last 10 years and is presently inoperable, again; this time...
by TierArtz
Tue Jun 04, 2019 10:17 pm
Forum: Personal Investments
Topic: Question on Variable Annuities
Replies: 6
Views: 561

Re: Question on Variable Annuities

My advice to the OP and all others is YBYM and save/invest enough that you don't have to rely on luck or expensive and gimmicky "guarantees". I've spent many hours in the last couple of months helping my father get rid of seven different annuities, including two with an IRA wrapper. For every variab...
by TierArtz
Mon Jun 03, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1424

Re: Reliable Wireless Mouse?

I use Logitech M510s on all my computers. They work great. I've found that half-used batteries that will no longer make a kid's race car go fast will power a mouse for months. I use a cheap tester and keep the marginally useful ones in a baggie for my mice to eventually finish off.
by TierArtz
Sun Jun 02, 2019 1:14 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10866

Re: How long have you been unemployed?

I've been employed for the last 50 years except for nine months (quit my job to move to a university) in 1983, and two months in 2007 between military retirement and starting my present job. I'm blessed for sure!
by TierArtz
Wed May 29, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3102

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

We have a set of GE double ovens that are 10 years old and still working well. When they quit, and are irreparable, my DW will look at what Miele offers first (likely more expensive than Wolf). I believe their products are generally engineered to last at least 20 years.
by TierArtz
Tue May 28, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8561

Re: No more print Money magazine

Money magazine and its ilk are how I discovered once-hot funds I no longer own: Brandywine, Janus 20, and a dozen other from Fidelity and T. Rowe Price. But, I also learned about no-load funds from them, and quickly parted ways with the kind salesman I met at church.
by TierArtz
Mon May 27, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Drinking water systems
Replies: 8
Views: 651

Re: Drinking water systems

We love our Kinetico K5 drinking water system: https://www.kinetico.com/drinking-water-filtration-systems/kinetico-k5-drinking-water-station/ It serves a filtered water "candy cane" and the refrigerator with cold water and ice. A set of cartridges lasts a family of 5 about two years. We also have a ...
by TierArtz
Mon May 27, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1405

Re: Using blacklight for cleaning

My small collection of LED black lights are typically used to identify scorpions for torching (outside). Inside, one definitely documents that my boys have not yet perfected their aim and the cats sometimes barf hair- and food-free goo upon the carpets. A black light will find these areas for additi...
by TierArtz
Fri May 24, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2122

Re: Fly cross-country with a cat

I would love to sit by a cat on a plane; those who travel with them are probably really nice people :-). If pets are not used to traveling (most are not), there's going to be some logistical challenges. I'd be willing to bet the death and escaped/lost rates would be higher for first time cross-count...
by TierArtz
Fri May 24, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2122

Re: Fly cross-country with a cat

I don't travel much anymore, but I've never seen a cat in the cabin. Prior to retiring from the military, my cat flew from Hawaii to Baltimore, and Baltimore to Germany and back in a well-labeled (contact info) large dog kennel in pressurized baggage. It worked great. The kennel included food in a d...
by TierArtz
Tue May 21, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 316
Views: 73115

Re: What age did you reach 100K networth?

At 35 in the mid-90s after 10 years in the military. The slow grind upward increased pace when I bought my first home (early 2000s), and the rate of increase further increased after retiring from the military right before the Great Recession (a pay increase plus retirement funds were used to buy sto...
by TierArtz
Wed May 15, 2019 1:03 pm
Forum: Personal Investments
Topic: Bond allocation question
Replies: 9
Views: 655

Re: Bond allocation question

You face a "pick your poison" situation. You need to decide which will induce the greatest regret: Paying a higher than optimal ER on a bond fund in a 401k (perhaps that's the issue) and having to eventually pay tax on the S&P 500 growth, or losing out on maximal tax-free growth in your Roth IRA tha...
by TierArtz
Fri May 10, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 974

Re: Self-Propelled Lawn Mower

I've mowed my own lawn, and up to twenty or so from about 10 to 18, for the last 5o years. None of the mowers were self propelled. My current mower is a roughly $800 commercial grade Honda (HRC216PDA), and it does a fantastic job mulching approximately 1/2 acre of grass. I bet the residential grade ...
by TierArtz
Wed May 01, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 219
Views: 23678

Re: What is your AA, given your age? and, Why?

I am in my late fifties and my AA is 60 % stocks / 40% bonds. Until about a year ago, my target was age-20 in bonds, but I decided to skip ahead to 60/40 for simplicity and because 60/40 is often promoted as at least reasonable, if not ideal, for a set-it and forget-it blend. I skipped ahead by sell...
by TierArtz
Fri Apr 26, 2019 10:00 am
Forum: Personal Investments
Topic: 2/3 VTSAX and 1/3 VTIAX OR simply VTWAX?
Replies: 11
Views: 1024

Re: 2/3 VTSAX and 1/3 VTIAX OR simply VTWAX?

Splitting the seven figure sum into VTSAX (2/3) and VTIAX (1/3) would result in slightly lower expenses due to the much lower ER for VTSAX. Total stock is 0.04%, Total International is 0.11%, and Total world is 0.10%. The difference on each $1M per year is $367.30 in favor of splitting. That's in ad...
by TierArtz
Thu Apr 25, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11689

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

I'm also predicted via look-back at 100% chance of success per FIRECalc. I'm going to keep working until I'm more confident I can largely fund college for my three kids (3rd, 6th, and 7th graders) without endangering the no-budget (other than innate frugality) lifestyle we currently enjoy. I present...
by TierArtz
Wed Apr 24, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Mobile Apps for Plant and Flower ID
Replies: 11
Views: 532

Re: Mobile Apps for Plant and Flower ID

I rarely use an iOS app called Plantifier. The basic operation is 1. Take and upload a photo(s) of a plant. 2. The crowd of users opine on what it is.

I received a believable answer on one of the two plants I asked for help on. FWIW, it was an Arizona rainbow cactus.
by TierArtz
Wed Apr 24, 2019 11:16 pm
Forum: Personal Investments
Topic: Taking loss vs TLH - Total International
Replies: 22
Views: 1092

Re: Taking loss vs TLH - Total International

If you have not explored the BH Wiki pages completely, please note there is a nice one on TLH: https://www.bogleheads.org/wiki/Tax_loss_harvesting The "any realized investment gains" was shorthand for "long-term capital gains and/or short-term capital gains"; these occur when you sell shares of a mu...
by TierArtz
Wed Apr 24, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: How many millionaires mow their own lawn?
Replies: 7
Views: 1490

Re: How many millionaires now their own lawn?

I do. I'm on an acre with about 1/2 acre of grass and many bushes and trees to trim and prune on the other half. I'm teaching my eldest son, 13, to mow/mulch the middle after I've done the prep work. My youngest son, 9, wants his job. He'll probably get it after his brother lands a grocery store or ...
by TierArtz
Wed Apr 24, 2019 5:32 pm
Forum: Personal Investments
Topic: Taking loss vs TLH - Total International
Replies: 22
Views: 1092

Re: Taking loss vs TLH - Total International

I'll share my total international (VTIAX) TLH experience for possible benefit to the OP. I harvested losses for first time in 2018. I had roughly $150k of VTIAX lots with about $10k in losses. I harvested that $10k loss by selling those and moving the $150K to the settlement fund. I used $50k to buy...
by TierArtz
Tue Apr 23, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4540

Re: At what age did you buy your first first class airplane ticket?

I'm late 50s and roughly 97th centile for income and net-worth. I've never flown first class. As I shuffle down the isle to the back of the plane with my spouse and kids, I mentally sneer at the misguided folks who fork over the difference between 1st class and coach, and the lost index fund growth ...
by TierArtz
Wed Apr 17, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6664

Re: After financial independence, do you play credit card bonus games?

No. I may play OMY for a long time, but I'm mathematically FI (50X+) We've had one CC for the last 30+ years. We use it everywhere possible and get roughly 2% back in Hawaiian Air tickets, which amounts to a free trip to Oahu every two or three years for five people. Nothing that ads complexity and ...
by TierArtz
Sat Apr 13, 2019 11:45 pm
Forum: Personal Investments
Topic: Asset allocation - non-qualified deferred comp
Replies: 5
Views: 362

Re: Asset allocation - non-qualified deferred comp

Despite the general rule to place bonds in tax deferred space (NQ-DCP and traditional 401k), I decided to direct my NQ-DCP withholding to an S&P index. The reasoning is that a NQ-DCP is arguably riskier than a typical retirement account because it is tied to the survival of a single company. Thus, t...
by TierArtz
Thu Apr 11, 2019 2:28 pm
Forum: Personal Investments
Topic: Please evaluate asset location plan for my father
Replies: 5
Views: 803

Re: Please evaluate asset location plan for my father

Thanks for the tips David! I'll tweak my plan so that the IRAs are filled with bonds before putting any in taxable. The most vexing problem remains how fast/if to ease out of annuities, but at least the expense drag will not be as bad when they are transferred to Vanguard. I have a copy of his 2018 ...
by TierArtz
Wed Apr 10, 2019 9:33 am
Forum: Personal Investments
Topic: Please evaluate asset location plan for my father
Replies: 5
Views: 803

Re: Please evaluate asset location plan for my father

Thanks, HomeStretch (great username!) for chiming in. I've been in touch with the VG annuity specialists. The transfers will not be taxable events and having one annuity instead of five will sure be a blessing now, and when the day comes. I'll ask about his LTC coverage. He owns a roughly $180k home...
by TierArtz
Wed Apr 10, 2019 2:29 am
Forum: Personal Investments
Topic: Please evaluate asset location plan for my father
Replies: 5
Views: 803

Please evaluate asset location plan for my father

My father, who is almost 82, a widower, and convinced his mind is slipping has asked me to manage his investments. He wants all of his scattered investments and annuities transferred to Vanguard. He is a retired state worker who’s pension and social security provide more income than he spends, which...
by TierArtz
Sun Apr 07, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Extended warrenty for refrigerator
Replies: 18
Views: 923

Re: Extended warrenty for refrigerator

I usually never buy an extended warranty. Five years ago, I bought an extended warranty (on sale) on a GE freezer because I intended to use it in a very hot garage. It died 4 years later and due to a ridiculous circus to get parts for it in a timely manner, the Best Buy manager let us apply the full...
by TierArtz
Sun Apr 07, 2019 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5312

Re: Standard Deduction vs Itemizing - Experience this year

The largest component of our deduction is charitable giving. The SALT limitation would have decreased the total by about $3K to roughly $37k, an amount still above the new married, filing jointly, standard deduction. But, in 2018 we started a DAF and funded it with about 4 years worth of giving usin...
by TierArtz
Fri Mar 29, 2019 1:00 pm
Forum: Personal Investments
Topic: Help save my father from another annuity
Replies: 20
Views: 1525

Re: Help save my father from another annuity

Thanks to all who responded to my request for advice! My mother died several years ago and was likely the driving force behind getting my parents' finances on the "safe" CDs and annuities track. The CDs have all been converted into a 60:40 (morphing toward 50:50) mix of VBTLX and VTSAX, with monthly...
by TierArtz
Fri Mar 29, 2019 2:35 am
Forum: Personal Investments
Topic: Help save my father from another annuity
Replies: 20
Views: 1525

Help save my father from another annuity

My father asked me to evaluate an annuity switching idea an advisor at his bank had recommended. I started by telling my dad I wish he did not own any. Then, I contacted his friendly advisor and inquired about what he owned, and what the advisor had suggested he switch to. His advisor had oversight ...
by TierArtz
Thu Mar 28, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 15
Views: 1013

Re: iPad Pro 12.9 - 3rd Generation

An iPad Pro 12.9 3rd Gen, with cellular connectivity, is my first tablet. My teenage son loves it for gaming, and I use it for web-browsing and reading sheet music. Nothing smaller would work for my eyes. You'd likely not regret buying one.
by TierArtz
Tue Mar 26, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3917

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

+1 for Merrell Moab 2 Ventilators. I bought a pair recently and love them. I'd use them for anything but running, and I'm a fan of the plush-soled Hoka One One Bondi line for that. I'm tempted to try a pair of GoRucks that Coato mentioned.
by TierArtz
Mon Mar 25, 2019 11:38 pm
Forum: Personal Investments
Topic: Vanguard 529 Account Options
Replies: 5
Views: 624

Re: Vanguard 529 Account Options

Congratulations on the coming baby! My children each have a Vanguard 529 devoted to them. We've been saving $250 per child/month since soon after birth. That amount was chosen because the yearly sum was the highest state tax deduction a former state allowed. We've had the accounts at T. Rowe Price/M...
by TierArtz
Mon Mar 25, 2019 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you treat inheritance as a singular or shared asset?
Replies: 113
Views: 5501

Re: Do you treat inheritance as a singular or shared asset?

So far, the only inheritance I've revived is a square mile of farmland via a trust with my sibling. The relatively small (1.5% of total) yearly income received is absorbed into a joint account. Future inheritances, or the income from them, will be joint assets or held by a trust.
by TierArtz
Sun Mar 24, 2019 4:29 pm
Forum: Personal Investments
Topic: What would be your perfect personal bond allocation
Replies: 15
Views: 1121

Re: What would be your perfect personal bond allocation

My perfect bond allocation would be so much of a broad US or global index that considering an alternative would be delegated to the Family Office staff :P My reality is learning from this board and working a few more years. The road I've traveled and efforts to keep an efficient mix has led to: Nort...
by TierArtz
Sun Mar 24, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 77
Views: 7060

Re: Recommend a good SOCK. Yes, I said SOCK!

I try not to wear socks, shoes, or a shirt as much as possible. But, when just shorts and sandals/slippers won't suffice, I turn to my lifetime supply (10 pairs) of "Burlington Comfort Power Men's Cotton Crew Socks", which are made in the USA and currently available from Amazon for only $22.99.
by TierArtz
Fri Mar 22, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Lawnmower(s)
Replies: 43
Views: 3071

Re: Lawnmower(s)

I have a large lot and opted to copy the local landscapers; the resultant Honda commercial push mower (HRC216PDA) has served the family well for 8 years with zero problems. With a sharp set of blades it will mulch anything you can push it through or over (piles of leaves and hedge trimmings).
by TierArtz
Sat Mar 16, 2019 11:23 pm
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 21941

Re: How to realistically FIRE?

I should probably start a separate thread about parents who are 45 to 50 years older than their youngest child. It would be interesting to hear how at least partially paying for college costs while being retired worked out. I'll be 67 when my youngest graduates from high school and his two elder sib...
by TierArtz
Sat Mar 16, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Age for starting kindergarten
Replies: 61
Views: 3723

Re: Age for starting kindergarten

My kindergarten experience, and that of my three children worked out fine: enter kindergarten when school starts in your area after the child's 5th birthday. That could range from July to September, depending on the state.
by TierArtz
Fri Mar 08, 2019 1:33 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15532

Re: Are Password Managers Really Necessary?

No. My tact is to keep all my passwords (13 pages worth) in a password protected office document with an innocuous title, like "Office Supplies". A hard-copy is kept in a high-end, fire resistant, safe. If I forget a password, it only takes a few seconds to open "Office Supplies" and search for the ...
by TierArtz
Thu Mar 07, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 5419

Re: First “financial” thing you do in the morning

1. Run Quicken One-step Update 2. Accept any VG or Fido transactions, marveling at how long it takes Fido to purchase 401(k), Def Comp (each two business days), and ESPP shares (two weeks). 3. Categorize bank transactions in Quicken using receipts. 4. Update investment-related spreadsheets about onc...
by TierArtz
Fri Mar 01, 2019 1:48 am
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 102
Views: 7434

Re: What did wise people do with their investments in 2008

My salary jumped in 2008, plus a pension started. I maxed all tax advantaged accounts and added what I could (rest of 30% of salary) to taxable accounts. Basically nothing different.