MachoSpouse Beer Blogger - Aaron Brodniak

MachoSpouse Beer Blogger - Aaron Brodniak

image for MachoSpouse Beer Blogger - Aaron Brodniak

Image: – – Macho Spouse

 

AaronB2.jpgFirst, I would like to thank Macho Spouse's founder Chris Pape for all of his past, current and future hard work and dedication for the male military spouse community. Also, I want to thank Macho Spouse for the opportunity to write about one of my favorite subjects, BEER! In this blog I will write about beer from a consumer perspective, home brewer and craft beer professional.

Who am I?

I am a service-disabled Coast Guard veteran that transitioned to the craft brewing industry and have now been working in the industry for 18 years. I began my brewing career at a craft brewery in downtown Seattle just two weeks after being honorably discharged. During the course of my brewing career I have also worked in Brewpubs where I held the position of Regional Brewer for a chain of brewpubs. Currently, I consult for breweries and also operate a pilot system to teach prospective brewery owners and homebrewers about the differences between home brewing and professional brewing.

I am also a male military spouse, so I have had to juggle work (when I can), home brewing and the challenges that come with military life. During the last ten years I have primarily been at home taking care of my boys (now 7 and 10), earning a bachelors and just recently my master's degree. I have been keeping my feet wet by home brewing and doing some part time brewery consulting. Now, I am re-entering the craft brewing industry and will be an instructor at both a Craft Brewery Start-up Workshop and Craft Cidery Start-up Workshop for Oregon State University this Spring. Of course, immediately after the workshop we will be relocating so the next five months will be busy! Enough about me, let's talk beer!


Beer!

One of the reasons for writing this blog is that many male military spouses enjoy beer and some even make their own beer at home. Given the enormous growth of craft beer in the United States, many have questions about what all these new beers are and how to navigate through the vast amount of offerings. I have some recommendations to help.

Know what you like! Don't let someone else tell you what you should like, however, don't be shy about trying new and different beers. I've had many people tell me they didn't like beer and I was able to quickly find them something they liked!

Beer is food! Yes, many of you probably already knew this, but do you treat your beer like it is food? Beer, especially craft beer, is perishable, so refrigerate it. This also means that you can't keep most beers for more than 90 days and expect them to taste the same as day one. In fact, I like my beers as fresh as possible so I buy small quantities of bottles or kegged beer. There are exceptions to this rule such as high alcohol beers like barley wines. Just like food, rotate your beer on a regular basis.

For those of you making beer, remember that most of the work in home brewing is cleaning. In the professional brewing world, brewers often refer to themselves as “beer janitors” at times due to the incredible amount of cleaning that goes into producing a batch of delicious suds. In a future blog I will go over some recommended steps, resources, and even engage in some Q & A for those with technical brewing questions.

Finally, here are some resources to learn more about beer:

American Homebrewers Association By becoming a member you get a magazine about home brewing and discounts at select restaurants, pubs, and breweries.

Beer Advocate Fantastic online resource for finding beer reviews and events.

Realbeer.com Lots of articles about beer, forums and events.

Untappd An app that lets you track and review beers, find beer bars and share recommendations with friends!

Beers to you!

 

About Aaron:

Aaron Brodniak is a fellow male military spouse who recently earned a Masters in Management at American Public University.  He will be an instructor for Oregan State University's workshops on Craft Brewery and Craft Cidery startups.  When not writing for us, he has his own blog:  Brodniak's Beer Business Blog.  If you like beer and business, you should check it out! 

See also...

image for Conversations from the Men

Conversations from the Men's Room - What is the

MensRoomImage.jpgOne of the great resources we have at Macho Spouse is the Men's Room for Military Spouses (sorry ladies, this is a private Facebook page designed for all male military spouses only).  We plan to start sharing some of the more informative/interesting conversations on our website, the thread below is our first "share."  Some of the names have been hidden for privacy purposes, see if you can figure out which names are fake...

 

Jar Jar Blinks: OK, what is this "Rule of 72?"

Yoda: Interest multiplied by time equals 72.

C-3PO: If you're not good at exponential math, it's a quick way to estimate how long your investment will double, given an interest rate. For example: if a CD is earning 3%, then it will double in value in 24 years (72/3=24)

Yoda: To double your investment.

Yoda: ^C-3PO's way is easier to follow. Way easier.

Jar Jar Blinks: So where do these investments live? Seriously, do savings accounts work the same way, assuming you can find one that offers interest?

Yoda: NFCU has a 3% CD right now.

C-3PO: It's all a matter of risk vs. reward/return. The S&P 500, aka TSP C Fund, returned about 30% last year. But it was down 37% in 2008.

Yoda: I was taught to expect a 10% rate of return on index funds back in 06, so my ROTH would double in 7.2 years.

‪Jar Jar Blinks: I guess I have a trust issue... Can I trust the folks at USAA to steer me in the right direction eggs

Jar Jar Blinks: Eggs... Heheheh

Jar Jar Blinks: When asking to set up investments?help

Yoda: Not 100%. Their funds are kind of expensive compared to vanguard and the TSP. But it's better than nothing and their life insurance is fairly priced.

C-3PO: "It depends" USAA only has 2 real index funds, but together they match the entire US stock market. They are not the MOST expensive. Their insurance is pretty well priced, but you're probably find even better at NMAA or the equivalent for other services.

Yoda: If only all branches could use NMAA...

I'm not as conservative as some. Instead if having 6 months of expenses on hand I have 6 months of expenses in a USAA ROTH IRA (no fee for withdrawals of principle with some caveats), and now put everything into ROTH TSP index funds (lowest fees in the world!).

Yoda: I do keep some liquidity (cash or accounts that can very easily be converted to cash), but since we run a surplus each month even after investing, and the military pay is as stable as it gets, I don't keep much in that account (plus I "float" all my expenses other than car insurance, so I don't pay July's expenses until mid-September (if we have to spend more I can transfer assets as needed, has never happened, but just in case), and the "float" on credit earns us rewards and consumer protections).






 Blue Cash Preferred, 6% back at the commissary, 3% back at the gas station and 1% everywhere else (no fee for military).

C-3PO: 

 I haven't dealt with them, but I hope AAFMAA is as good as NMAA.

‪C-3PO: PenFed has pretty good credit cards for military too.

‪Jar Jar Blinks: .... all these damn acronyms....

Yoda: FUBAR right?

C-3PO: (image that can't be shared)

C-3PO: Sorry about being a wiseass

‪Jar Jar Blinks: Better than being a wide ass

Yoda: C-3PO, you've got to take it easy on Jar Jar Blinks, he's a submariner. Just think how many bumps to the head he's suffered.






 But on a serious note, it's pretty cool how many guys in this group have an understanding of personal finance.

C-3PO: If I only had a nickel for every time I hit my head while underway (says the 6'3" Marine)

Mace Windu: Personally, I would put my money in a multitude of investments. Like savings,cd's, 401k, TSP, money market fund and precious metals. Never have all your eggs in one basket.

Admiral Ackbar: ‪Luke, to be excruciatingly technically correct, it's the rule of 69.3. Here's the math behind the answer:
‪http://betterexplained.com/articles/the-rule-of-72/
I like the way they cheat by assuming that for small interest rates, the natural log of the quantity (1 + interest rate) is approximately equal to (interest rate). So it's not much of a stretch of radcon math to assume that 69.3 is about the same as 72.
You can also use the math to figure out when you'll be financially independent:
http://betterexplained.com/?s=rule+of+72

Luke Skywalker: I think NFCU has a special going on that if you open an IRA with $100 they will give you $100. I have 4 IRA's at USAA, IRA at NFCU, TSP and a 403(b) at Fidelity. Saving about $500 a month between all the IRA's.

‪Lando Calrissian: Boy you guys are starting to make me worry about my future. Where do I start when I have no job and only a limited amount that my wife has volunteered to me over the years in some sort of retirement account?

Yoda: ‪Lando, my wife and I each maxed out our Roth IRA's for her first four years of service so we could build up our emergency fund (with the stability of military careers I feel as though the ROTH IRA is a good place to stash an emergency fund that is a very low probiotic of being utilized).






 Now all the money goes into her TSP, but it's our retirement account.

 

**If you are a male military spouse and would like access to this private page, please send a request through Facebook and we'll usher you in as soon as possible.

image for Macho Money Definitions - What Is A Market Index?

Macho Money Definitions - What Is A Market Index?

vid_whatisindex.jpgWhat is a “market index?"  According the SEC, a market index tracks the performance of a specific "basket" of stocks considered to represent a particular market or sector of the world stock market or the economy.

 

There are indices for almost every conceivable sector of the economy and stock market.

USAA Certified Financial Planner, Scott Halliwell, does a great job in this video of giving a more thorough explanation of a market index with some examples.



 

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