Search found 68 matches

by TierArtz
Sun Jun 10, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 104
Views: 12722

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: 2705

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: 695

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: 2031

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: 4713

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: 147
Views: 10677

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: 1070

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...
by TierArtz
Tue May 08, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6213

Re: Do we spend too much on food?

You could spend less, but a happy wife and church friends are worth a lot! We are a family of five in a medium cost of living area. Based on 5 years of data, we spend about $1000 /month on grocery store food and supplies and $450 /month eating out. When the kids become teenagers, the grocery store e...
by TierArtz
Tue May 08, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Will/Trust question for kids
Replies: 23
Views: 2004

Re: Will/Trust question for kids

We set up a will and trust recently to provide for our minor children. We had an obvious choice for guardians (BIL/SIL). We pondered making BIL the trustee too, but he has zero investment experience. To best protect what may be a substantial financial legacy, we made Vanguard National Trust Company ...
by TierArtz
Sun May 06, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17378

Re: What Percentage CASH are you?

About 0.4%, not counting pending fund purchases. I only keep enough cash to fund IRAs on the first business day of the year, pay the monthly credit card balance, and yearly federal taxes.
by TierArtz
Sun May 06, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8324

Re: What career for smartest kid in the class?

Whatever would making a living wage, they had the aptitude for, motivation to achieve, and a good chance of loving. I'm in a tangent of medicine and love what I do. The folks I work with and admire have backgrounds in genetics, biochemistry, immunology, and toxicology. A motivated college graduate w...
by TierArtz
Fri May 04, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2518

Re: Growing Fruit Trees and Shrubs

In production: We have more oranges, limes, and grapefruit than we can stand, and an apricot tree that provides an amazing bounty the last two weeks of May. Planted, but too young to produce: One nectarine, two plum, and a Mandarin orange tree. Considering planting: Pluot (plum/apricot hybrid), bloo...
by TierArtz
Fri May 04, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Portfolio peepers: what do you do?
Replies: 48
Views: 4006

Re: Portfolio peepers: what do you do?

I portfolio peep daily out of curiosity and for entertainment. I capture the present AA shifts in a spreadsheet that is updated about twice a month to see how much market winds shifted percentages from the target to inform where on-going contributions should be directed (even though they have about ...
by TierArtz
Mon Apr 23, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7825

Re: Do you buy new or used cars?

New (used if temporarily not living in the mainland US). Our present vehicles and last two purchased are a 2005 Lexus SUV and a 2010 Toyota minivan bought when we were expecting the 1st and 3rd baby. We saved up cash for the Lexus and used a really low-rate 3-year loan for the van rather than sell t...
by TierArtz
Tue Apr 17, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1857
Views: 339726

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

+0.75% with a 72:28 allocation. Profit on sale of employer stock; Unrealized gain on G-Fund; Unrealized loss on everything else.
by TierArtz
Fri Apr 13, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6277

Re: Could you support family on 1 income?

Yes. We've done it since the first child was born in 2005. My wife has two college degrees, including a Masters in an in-demand field, so the decision was strictly for the benefit of the children. The answer will always be yes if you structure your expenses to be no more than 75% of your income; inv...
by TierArtz
Fri Apr 13, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Quicken servers down (again)
Replies: 7
Views: 526

Re: Quicken servers down (again)

Quicken access came back within the last couple of hours for me. Strangely, a perfectly good Fidelity password fails during a one-step update. Quicken claims the PW is wrong and suggests I log into Fidelity directly. Going straight to Fidelity works great, so the account has not had a PW change init...
by TierArtz
Fri Apr 13, 2018 10:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 50
Views: 4204

Re: Arizona Chapter

Interested. In the valley.
by TierArtz
Thu Apr 12, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 12511

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

The DW and I are both mid-50s and about half our projected retirement expenses are covered by my pension. This week, I sold all the bonds in our Roth IRAs (all of them were international) to put us at roughly 72S/28B. We were at 60/40 last week. The myriad posts on keeping bonds out of Roth IRAs and...
by TierArtz
Thu Mar 29, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Drip irrigation or pop-up sprayers for garden?
Replies: 19
Views: 1814

Re: Drip irrigation or pop-up sprayers for garden?

When forced by my wife, I put in and maintain a 30' X 30' garden, or part thereof. We live in a dessert. The garden has multiple rows of buried PVC with 6 risers each. Sprayers are too hard to control. Drip lines/soaker lines were tried once (hundred plus connections) and proved to be a royal pain! ...
by TierArtz
Mon Mar 05, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: VNTC as successor trustee?
Replies: 12
Views: 774

Re: VNTC as successor trustee?

VNTC was established as a successor co-/trustee for the family trust. Our children and all other relatives were not options. The few other commercial operations interviewed were more expensive and/or would likely not pursue the indexing approach.
by TierArtz
Fri Mar 02, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 47
Views: 6383

Re: What bed did you get your toddler and how long did you use it?

We got our three kids each an Amish-made mission-style double bed (two bunked) with a TempurPedic mattress (with protective covers). They can move them into their first home :D. Buying quality saves in the long run and helps keep America great.
by TierArtz
Fri Feb 02, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 48373

Re: Today was a Really Bad Day

I'm pleased to report my G-Fund holdings made enough today to treat the family to McD's! :P
by TierArtz
Sat Jan 27, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6794

Re: Your bond allocation when you were 48

15% Bonds in 2009 (48); 13% in 2008; 7% in 2007. I was not buying bonds; stocks were on sale :P
by TierArtz
Tue Jan 23, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: How to track NQ-Deferred Compensation Plan with Quicken?
Replies: 4
Views: 487

Re: How to track NQ-Deferred Compensation Plan with Quicken?

Thanks again 5K. I switched the account to a 401k as you suggested and there are no apparent conflicts. Plus, the which year question is vanquished :happy
by TierArtz
Mon Jan 22, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 5915

Re: Going to one income-seeking testimonials

We made the transition in 2005 when our first child was born. We went from Army pay + teacher salary to just Army pay (drop of about 1/3). Other than no longer having extra cash to invest in taxable mutual funds, we did not miss the 2nd paycheck. Go for it if you can after a careful budget review, a...
by TierArtz
Sun Jan 21, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: How to track NQ-Deferred Compensation Plan with Quicken?
Replies: 4
Views: 487

Re: How to track NQ-Deferred Compensation Plan with Quicken?

Thanks 5K. Quicken will update the fund prices. Manual entry will be splitting the biweekly contribution into the funds I choose. I'm hoping to avoid having several years of data entered and then discovering there was a smarter way to have set it up from a retirement planning, tax projection, or pay...
by TierArtz
Sat Jan 20, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to track NQ-Deferred Compensation Plan with Quicken?
Replies: 4
Views: 487

How to track NQ-Deferred Compensation Plan with Quicken?

I've used Quicken for years, but now need to add a non-qualified deferred compensation plan to it. It does not seem optimally designed to track such plans as such an account is not a menu item under the "Add Account" tool. Some in the Quicken Community said to just call it an IRA; others said use a ...
by TierArtz
Sat Jan 20, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8424

Re: Post Your Morningstar Box Style

23 23 23
05 14 05
02 02 02
by TierArtz
Sat Jan 20, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3666

Re: What's your annual cost of living (expenses)?

We spend 105K/year not counting payroll deductions or charitable giving.

Two adults; three kids; COL = 91% of US average.
by TierArtz
Fri Jan 19, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 54
Views: 5978

Re: 1,000th post and a 'No-Fail' Retirement Formula

I suggest a tweak to the OP's formula: define x as expenses before taxes AND after subtracting any passive income that will continue - such as a present day retirement or rental income.
by TierArtz
Fri Jan 19, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch Evaluation -- Help Needed.
Replies: 14
Views: 982

Re: Vanguard Portfolio Watch Evaluation -- Help Needed.

Check out the "Portfolio and Management" tab for each fund on VG's site. That for Wellesley Income shows the market capitalization has a large value tilt. Total Stock Market's style is "Blend". As long as the funds are serving the purpose you bought them for, I suggest you ignore the information. Yo...
by TierArtz
Thu Jan 18, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7181

Re: Looking for a reasonably priced, safe international destination

The Netherlands - specifically the rural areas north of Amsterdam. While living in Germany, we loved to visit the Katwoude/Volendam area. We always stayed at the Jacobs Hoeve B&B.
by TierArtz
Sun Jan 14, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP help?
Replies: 12
Views: 1056

Re: ESPP help?

I've never felt the need to sell my ESPP shares as soon as I can. Thankfully, their appreciation percentage has always beat the market. When their total creeps toward 5% of my portfolio, I'll sell enough to knock my holdings down to two or three percent of my portfolio; invest proceeds in a taxable ...
by TierArtz
Tue Jan 09, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43041

Re: What frugal thing did you do today?

Reuse gently-used Costco economy paper plates: 1. Our two cats have me trained and often beg for a snack after my lunch (usually leftovers). If there is a paper plate w/out too much hot sauce on it, I'll cut it in half and each gets 1/2 of a 1oz. Sheba entree on half a plate. The rest of the time th...
by TierArtz
Sat Jan 06, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 72662

Re: Quicken's future direction - a cause for concern

I confess to being a Quicken addict (22-year user with about 37000 entries including all mutual fund entries back to 1988), so I'm at their mercy. I recently upgraded from 2015 to 2018. Strangely, after the upgrade, Quicken's calculated investment return is about 0.5% less than the 2015 version show...
by TierArtz
Wed Jan 03, 2018 11:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Phoenix, AZ Bogleheads?
Replies: 44
Views: 11251

Re: Phoenix, AZ Bogleheads?

In Gilbert and interested.
by TierArtz
Wed Jan 03, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3766

Re: Frozen Pipes

Other possible causes are a clogged inlet filter, kink in the inlet line, or low water pressure. Google the first if you wish. If the line is simply connected to a hose bib under the sink, disconnect it and see if water will flow into a pan/bucket. While the hose is off, clean the filter. I'm a fell...
by TierArtz
Tue Jan 02, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard glitch: don't contribute 2018 IRA now! [FIXED NOW]
Replies: 25
Views: 3819

Re: Vanguard glitch: don't contribute 2018 IRA now! [FIXED NOW]

Makaveli - I'm seeing the same thing (I think). As expected for me at this time of day for a mutual fund purchase, the funds are in a brokerage account money market settlement fund. By tomorrow or the 4th, I expect the dollars will purchase the fund I selected. I also expect the release date will st...
by TierArtz
Tue Jan 02, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 18966

Re: Max It Out Tomorrow [your IRA]

My tIRA and that of DW will be maxed at market close today. I used most of our cash to do it. So far today, stocks appear to be on sale! Edit: My M* app was stuck on the stock market declines for 29 December. So now, it looks like my Roth conversion will be more than the $6500 "stolen" from my emerg...
by TierArtz
Sat Dec 30, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1857
Views: 339726

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

17.61% according to Quicken. I'm pleased considering I'm now 60/40, and 95% in indexes. Bond funds returned 3.13% and stock funds + my ESPP returned 22.07%
by TierArtz
Thu Dec 28, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Plan (Fido Funds) Question
Replies: 2
Views: 373

Re: Deferred Compensation Plan (Fido Funds) Question

Thank you very much, Andy! I may very well switch the account to filling with all S&P 500 index vs my initial blended plan. In addition to avoiding the worst case scenario/perfect storm, a single "risky" asset would be simpler.

Have a Great 2018!

TierArtz
by TierArtz
Thu Dec 28, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with understanding back door Roth contribution please.
Replies: 2
Views: 301

Re: Help with understanding back door Roth contribution please.

I've never tried moving money from a 401k, but I'm well versed in moving money from an after-tax traditional IRA. Simply establish a tIRA, or use one with a zero balance due to previous Roth conversions, and deposit the funds. To avoid paying taxes on any growth in the tIRA, implement the Roth conve...
by TierArtz
Thu Dec 28, 2017 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Plan (Fido Funds) Question
Replies: 2
Views: 373

Deferred Compensation Plan (Fido Funds) Question

About 18 months ago, I launched a portfolio simplification plan based on information learned on this site; goals were to improve tax efficiency and to make establishing and managing a trust easier. Thanks to all who helped me! In November, my employer added some complexity via granting eligibility t...
by TierArtz
Mon Dec 25, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: How to use up my FSA account?
Replies: 13
Views: 1353

Re: How to use up my FSA account?

Prescription sunglasses such as Ray-Ban or Maui Jim.
by TierArtz
Sun Dec 24, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: FY17 Final, Personal Savings Rate
Replies: 26
Views: 2619

Re: FY17 Final, Personal Savings Rate

About 28% of gross, with few vested grant shares and 401K match on both sides of the equation. Growth was approximately 4X contributions.
by TierArtz
Sun Dec 24, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8437

Re: Will you donate less to Charity?

No; we'll still give 10% of net dollar blessings to our church or a parachurch ministry. We'll also donate frequently to our kids' teacher's classroom needs.
by TierArtz
Sun Dec 24, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43041

Re: What frugal thing did you do today?

Reused a foil gift-bag from an open-early Christmas gift my daughter presented to the family (a precious collection of hand-drawn favorite animal portraits). Then, we all ate leftovers for lunch.
by TierArtz
Sat Dec 23, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Internet speeds
Replies: 37
Views: 2765

Re: Internet speeds

This post makes me think I should at least consider a downgrade. We buy 150 mbs from Cox ($80 per month) and get 170 mbs download and about 12 mbs upload. We have rabbit ears for television and have a digital telephone as a small/cheap upgrade to the internet connection. I 2nd/3rd the recommendation...