Search found 111 matches

by TierArtz
Thu Sep 27, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1362

Re: Am I the only one...[using multiple accounts]

My family and I do not designate accounts for goals. Whenever there is a known upcoming expense (new roof, new vehicle, etc.) we let cash accumulate in savings. We've basically had the same checking, savings, and credit card account for the last 35 years. Investment accounts include two taxable brok...
by TierArtz
Wed Sep 26, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 620
Views: 75682

Re: How much money do you want to retire?

I'm 57 and want retirement funds equal to 40X annual expenses(including current college savings for three kids and estimated taxes) after current and secure passive income = 3.1M. I'm presently at 34X and considering my present saving rate (32% of gross) and personal historical returns, I should hit...
by TierArtz
Tue Sep 25, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: VTI, VXUS distributions
Replies: 5
Views: 866

Re: VTI, VXUS distributions

UpperNWGuy is correct. Here is the link for VG distributions: https://investornews.vanguard/upcoming- ... formation/
by TierArtz
Thu Sep 20, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 29
Views: 4709

Re: 40/60 allocation returns ytd

4.03% using VG TSM (49%) and TBM (51%). Actually, that return is for my dad (81-years-old). His past and on-going contributions to a VG taxable account were/are 40/60, but performance differences over the last 6 years since I introduced him to investing have shifted him close to 50/50. He's not inte...
by TierArtz
Thu Sep 13, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4373

Re: I need a chainsaw to trim branches and limbs!!

A pruning saw and/or a pole saw would work. If you really want to get a new tool (I've been there), consider a reciprocating saw and use a pruning blade. I've used one to trim fairly large branches, sever roots deep in mud, and for hanging deer disassembly. Here is a video showing one in use for pru...
by TierArtz
Wed Sep 12, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2572

Re: Anyone into Essential Oils?

I'm among those tired of hearing about how natural and organic products have to be better than those intelligently designed by humans. Thus, I paused from my labors to write a toxic acrostic for “Organic” (biotoxins only). The “G” and the “I” were most challenging. Organic: A Toxic Acrostic O leandr...
by TierArtz
Mon Sep 03, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7852

Re: I still use cash not credit cards should I reconsider?

Yes! Here are the credit card advantages I value most: 1. Easy tracking of spending and reconciling with Quicken 2. Rewards; we average about $7K/month on our card, which translates to a trip (back to Hawaii) about once every 2.5 years. 3. Don't have to carry much cash 4. I only have to go to an ATM...
by TierArtz
Mon Sep 03, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3193

Re: How often do you change your HVAC filters?

I change them after the thermostat shows 30 days of actual runtime (probably works out to twice a year). I use whatever Costco sells (usually high-end 3M; presently 2200 Elite Allergen @ three for $30). We have two heat-pump systems (one uses a 20x25, and the other has two returns - a 30x20 and a 20...
by TierArtz
Fri Aug 31, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6489

Re: Emergency fund size

I sleep fine with only about 10K in cash accounts. I'm going to let savings climb as high as 25K (ready to fund 2 IRAs on 02 Jan) before putting new cash into taxable indexes. As others have stated, or implied, the amount depends on each family's situation. We're blessed with a pension, military hea...
by TierArtz
Thu Aug 16, 2018 10:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 55990

Re: Post your Financial Milestone Announcements Here

Thanks to what I've learned on this site, I managed to add three BH tools to my financial toolbox in the last 30 days! 1. Started a donor-advised fund with Vanguard Charitable 2. Tax-loss harvested for the first time, after investing for over thirty years 3. Added a tax-exempt bond fund (VWIUX) to m...
by TierArtz
Wed Aug 15, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3500

Re: Best consumer products - made in USA

Walker ZTR mowers - want one

"K brand" ukuleles - want more

Paul Reed Smith and Martin guitars - need to play the ones I have.
by TierArtz
Wed Aug 15, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4765

Re: Adult piggy bank

+1, OP, for saving any way you can. +1 to those who use CoinStar machines to obtain Amazon gift cards. My kids love the CoinStar machines! Often, they discover a previous user did not check the "reject" bin. They have collected a clad US dollar coin, a few bent or dirty US coins that spend just fine...
by TierArtz
Wed Aug 08, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15602

Re: Will you pay for your kids' college/graduate education?

We (DW and I) are saving for our three children's college education using 529 accounts, and the current projection for each account is roughly $125,000 when they are old enough to enter college between 6 and 10 years from now. I plan to be FI (40X, presently at 33X) and retired semi-early (62ish) be...
by TierArtz
Sun Aug 05, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4845

Re: Dear BH, what are non-BH actions you do?

1. I do not immediately sell ESPP shares or vested shares, but hold onto them hoping they'll beat the market. To minimize the downside, when the total hits about 5% of my portfolio, I sell some and reinvest the index fund that best shifts my AA toward the goal. 2. I worry about taxes more than I sho...
by TierArtz
Fri Aug 03, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5762

Re: Comfort level with Credit Card Balance

None. My sole CC statement is available around the 19th of each month and the statement amount is due on the following 13th. I always pay more than the statement, up to the card balance at the point when I get around to setting up a scheduled payment for the 13th. I may come back and up the amount a...
by TierArtz
Fri Aug 03, 2018 4:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 55990

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

42, while in the military (fun times, lowish pay).
by TierArtz
Fri Aug 03, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 5660

Re: Need help to sell family farm.

My sister and I inherited a section of farmland in the Midwest. I grew tired of dealing with an operator/renter we did not know from 900 miles away, so we turned the farm over to a management company. They will get roughly 10% of the income, plus a base fee, but I figure a little local management ex...
by TierArtz
Fri Aug 03, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Good 529 plan or other alternatives
Replies: 8
Views: 609

Re: Good 529 plan or other alternatives

I recently switched to the VG Aggressive age-based option for each of my three youngish children. They have other "throttle" options, too. VG Link: https://investor.vanguard.com/529-plan/age-based-options Edit: Menu of other VG options (choose up to 5): https://investor.vanguard.com/529-plan/list#/5...
by TierArtz
Fri Aug 03, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: G Fund at 3%
Replies: 7
Views: 1513

Re: G Fund at 3%

Thanks for posting that information! The TSP was opened to the military very late in my career, so I was not able to fund much. I avoided the G Fund like the plague (still do not like that the USA is a debtor nation) until BH comments on it made it appealing. Some days its the only winner in my port...
by TierArtz
Tue Jul 24, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 49476

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

My 7-year-old Honda push mower does not leave un-cut grass strips. I hate mechanical problems, so I purchased the commercial version (present MSRP of $750): https://powerequipment.honda.com/lawn-mowers/models/hrc216pda. It weighs right at 100 lbs. I sharpen and balance the blades a couple of times p...
by TierArtz
Thu Jul 19, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8157

Re: What is your Take Home Pay / Gross Pay ratio?

47% for the year to date. Includes taxes, dental/vision/spouse life, maxed 401k, maxed ESPP, and 12% deferred comp. I'm going to kick the deferred compensation up to 15% next year. Does not count my pension. I've withheld 200 to 1500 per month extra from my pension to cover taxes on investments depe...
by TierArtz
Mon Jul 16, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3108

Re: Would you pay $120 for a 5 year dishwasher warranty?

Generally, no. I hope I'm finished buying appliances that last less than 20 years. We bought an extended warranty on a Kenmore washer because the one before it died a month after the standard warranty ended and the repair cost was going to be about 80% of new. So, we kicked in about $300 more and ha...
by TierArtz
Mon Jul 16, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7197

Re: Families - What's your total annual credit card spend?

We've put 83K on our cc in the last 12 months. That's for a family of 5 in a MCOL area. Everything possible goes on it to max rewards.
by TierArtz
Mon Jul 16, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4571

Re: Have you ever purchased a pricy musical instrument?

4K electric guitar
1k acoustic guitar
1k tenor ukulele
1.8k baritone ukulele
Yamaha flute for my 5th grader (3 year break-even over a rental).

Hopefully, as soon as I retire, I'll find time to get better at playing my stringed instruments.
by TierArtz
Mon Jul 09, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14203

Re: What are your property taxes?

Property tax is about $5,500 on roughly $700,000 home.

Sales tax is just under 8%

Weekly trash and recycling are about $25/month and added to our water bill.
by TierArtz
Mon Jul 09, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3588

Re: What do you pay for home services?

Nothing on a routine basis. We've paid $13-1500 a couple of times in the last 10 years for tree trimming. We do our own house cleaning (3400ish sqft), maintain the pool myself (automated chemistry), and do all our own yard work and 30-valve irrigation system maintenance. I estimate yard work takes a...
by TierArtz
Sun Jul 08, 2018 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification and retirement prep?
Replies: 8
Views: 835

Re: Portfolio Simplification and retirement prep?

The TSP funds are not mutual funds (I think they are collective investment trusts) and do not have ticker symbols. Thus, you can not directly enter them into VG "other" holdings, or Morningstar X-Ray. You must use proxies that have a similar composition. TSP proxies have been discussed before https:...
by TierArtz
Sat Jul 07, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9801

Re: What time do you get up in the morning?

During school months, I generally get up at 6AM to help get the kids ready for school. During breaks from school I still naturally awake about the same time. On Saturday mornings, I set an alarm for 5AM to go running at 6. 11 or 12 PM is bedtime and a short nap in the afternoon is a frequent occurre...
by TierArtz
Fri Jul 06, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward
Replies: 7
Views: 711

Re: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward

I noted on the VG TR 2020 product page, VG states that the holdings will resemble that of the VG TR Income fund in 7 years. You could look up the present percentage assets of those two funds, find the difference for each, and divide by seven. Or, calculate the present percentages relative to your ag...
by TierArtz
Thu Jul 05, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3402

Re: Coffee Grinder recommendations

I like all types of coffee and use a variety of brewing techniques. A great source for coffee equipment reviews is coffegeek.com. Here is the site's consumer reviews of grinders sorted by rating: http://coffeegeek.com/reviews/grinders?Page=1&Sort=rating&Order=0 I've owned a La Cimbali Junior (only 3...
by TierArtz
Wed Jul 04, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4424

Re: Monthly Water Usage

I graph utility usage. For a family of 5 on an acre lot, 1/2 acre of grass, lots of other vegetation, with a pool, in a desert, we use about 50,000 gallons of water per month on average. The range is from about 15K in the winter to a max of 100K per month in the summer due to grass watering and like...
by TierArtz
Sun Jul 01, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) bond fund question: Active or Index?
Replies: 4
Views: 403

Re: 401(k) bond fund question: Active or Index?

Thanks dbr, sport and average dude! Having to deal with a forced change in bond fund made me consider the alternative. Active management has never worked for me before for more than about 5 years; the stars always become laggards. I'm probably going to avoid the temptation to see if "times have chan...
by TierArtz
Sun Jul 01, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9226

Re: DNA ancestry testing

I used 23andMe. No ancestry surprises. I gleaned insight into health predispositions I can act on. Perhaps most interesting is finding previously unknown once removed first cousins and second cousins. I googled them and found one on each side of my family maintained an on-line family tree going back...
by TierArtz
Sun Jul 01, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8583

Re: What % of your equity is int’l?

37.5% international; I'm shooting for 40% (VG style) using TSM dividends instead of reinvesting.
by TierArtz
Sun Jul 01, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Debt to asset ratios
Replies: 14
Views: 924

Re: Debt to asset ratios

Interesting question. I'm in the last 5-10 years of accumulation. Counting our mortgage, but not my fraction of land owned in a family trust, I'm at 3.8%
by TierArtz
Sat Jun 30, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) bond fund question: Active or Index?
Replies: 4
Views: 403

401(k) bond fund question: Active or Index?

My employer uses Fidelity to manage my 401(k), but recently changed the available options and switched participants’ investments to the nearest match. My 401(k) had been 100% US Bond Index (FXSTX) and that was automatically exchanged to Northern Trust Aggregate Bond Index Fund (a CIT). Both options ...
by TierArtz
Wed Jun 27, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22275

Re: Did you celebrate when you finally hit $1m?

I just smiled to myself and told the DW. It came in 2007 after regularly investing part of an Army paycheck for 23 years. It's good to know simply YBYM will get you there. Thanks to staying the course and continuing to invest, the nadir in Feb 2009 was still right at 800K and we were back in the "cl...
by TierArtz
Sat Jun 23, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Garage refrigerator
Replies: 22
Views: 2953

Re: Garage refrigerator

We bought a scratch and dent Frigidaire convertible freezer/refrigerator about five years ago, and run it as a freezer. Our garage is attached but the doors face the West, so it gets wicked hot in there during the summer (110ish) and down to about 40 in the winter. A five year warranty was dirt chea...
by TierArtz
Sat Jun 23, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: NJ K-1 for PA resident
Replies: 5
Views: 393

Re: NJ K-1 for PA resident

#3. Our situations are not exactly the same. I get K-1 income from KS and live in another state, where I earn a salary and receive a pension. I file taxes for both states using TurboTax. For KS, Turbo Tax excludes everything earned elsewhere on a ratio basis, and tax is only owed on the fraction of ...
by TierArtz
Sat Jun 23, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Desk Top Speakers Will Not Work
Replies: 12
Views: 636

Re: Desk Top Speakers Will Not Work

Maybe a PC OS update killed your sound driver. The speakers on one of my desktops recently quit working (kid's computer) after an OS update. I've not been able to solve the issue and they now spend more time playing outside instead of watching YouTube,so its a net positive :-). See if you can borrow...
by TierArtz
Fri Jun 22, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1913

Re: What do you include in your grocery budget?

I don't do a budget, but I'm an avid expense tracker. Like Gill, in Quicken, I split into the appropriate category: Food,misc, household, child expenses, entertainment.
by TierArtz
Thu Jun 21, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21934

Re: Can you retire on $2M?

Yes. I'd need about 80K (4% growth) above other passive income for the next 10 years (paying off house and saving for kids' college). After FRA, and ending the mortgage and college saving, I'd need about 20K (1%). Right now my target for pulling the trigger is 3.1M / 40X.
by TierArtz
Thu Jun 21, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 58
Views: 5439

Re: How much of your taxable holdings is unrealized capital gains?

Age 56; 21.4% of taxable accounts are unrealized capital gains. Zero loss carry-over.
by TierArtz
Sun Jun 10, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 169
Views: 24132

Re: Retire at 55, what's the magic number

40x expenses beyond pension; roughly $3M.
by TierArtz
Tue May 29, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2997

Re: How To Store Blue Rhino Tanks Safely

If my BBQ grill was not hooked up to a 120 gallon tank, I'd store a portable/exchangeable propane tank the same way I store my lawn mower gas can - in a trash cart (or can), away from the house in a shady spot between shrubs that gets no afternoon sun. The only downside is a visiting landscaper/work...
by TierArtz
Sat May 26, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Military Equity/Bond Allocation
Replies: 6
Views: 772

Re: Military Equity/Bond Allocation

I retired from the military and my pension makes me comfortable with a smaller percentage slice of bonds than I might choose if it were not for the pension. I'm in my mid-50s, still work in the same career field (I had a chair-borne military job), and am about age-30 in bonds. You are about the same...
by TierArtz
Fri May 25, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2227

Re: Rum and Summer Cocktails

I invented, I think, a quick and easy, but delicious, rum drink: Mix Starbucks mocha frappuccino (cheap from Costco), ice, and as much Kracken black spiced rum as you want.
by TierArtz
Tue May 08, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 5224

Re: Hawaii vacation suggestions

For cheap but fairly authentic Hawaiian food, try Zippy's and L&H BBQ. Try Loco Moco at least once.
by TierArtz
Tue May 08, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 151
Views: 12394

Re: What non fiction book will you be reading in 2018?

Theistic Evolution: A Scientific, Philosophical and Theological Critique

So far in 2018, I've read:
The Man in the Mirror - Patrick M. Morley
The Language of God - Francis S. Collins
by TierArtz
Tue May 08, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Military Retirement and Next Career
Replies: 8
Views: 1174

Re: Military Retirement and Next Career

I'm a military retiree and have a small slice of TSP and a 401K at a follow-on job. I want as much Roth IRA space as I can get to avoid MRDs and I want the Roth to be 100% stock for maximal growth potential (legacy option). After 10 years of figuring out where to place funds in various accounts, I f...