Search found 204 matches

by autopeep
Sun Mar 10, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Espresso Maker 2019
Replies: 106
Views: 8041

Re: Espresso Maker 2019

Given the wide mix of machines getting tossed around here as suggestions, I thought it might be helpful to put them in perspective. As someone who has owned a number of different machines and tends to obsess over this stuff, here's my personal hierarchy of espresso machines, in rank order* of their...
by autopeep
Sun Mar 03, 2019 6:05 pm
Forum: Personal Investments
Topic: 3 fund portfolio minimum
Replies: 36
Views: 1580

Re: 3 fund portfolio minimum

Are you going to contribute to any other accounts this year? You could put VBTLX and VTIAX in the Roth and build a position in VTSAX in a brokerage account if you can. This is if you plan to hold your asset allocation across both types of accounts, tax advantaged and taxable. This was my plan after...
by autopeep
Sun Mar 03, 2019 5:54 pm
Forum: Personal Investments
Topic: 3 fund portfolio minimum
Replies: 36
Views: 1580

Re: 3 fund portfolio minimum

Vulcan wrote:
Sun Mar 03, 2019 5:39 pm
Three-fund portfolio is an outdated recommendation. Unless you want to tilt, all you need for the stock portion is VTWAX.
Come on, man. The OP is just starting out. Don't pretend like a globally weghted portfolio is a standard portfolio
by autopeep
Thu Feb 28, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 17484

Re: How do YOU make coffee?

1. Roast my own coffee on a genecafe about once per week.
2. Grind my coffee on a kino m37 handgrinder
3. Brew espresso on a quick mill Anita


Hopefully this is the last coffee setup I ever buy (though I kinda want to replace the genecafe)
by autopeep
Sun Feb 24, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: 37 yo military retiring, new HENRY - strategy ?s for next 4 years
Replies: 10
Views: 1472

Re: 37 yo military retiring, new HENRY - strategy ?s for next 4 years

A couple of thoughts: 1. Your allocation/investment strategy should depend on your objectives/needs/willingness to take risk. That info is not available in your post, so we can't really be very specific in our recommendations. That said, I presume a post-military pension is pretty secure. I would ho...
by autopeep
Mon Feb 18, 2019 8:16 am
Forum: Personal Investments
Topic: Tilting AA into more stocks
Replies: 20
Views: 1368

Re: Tilting AA into more stocks

I think you would benefit from a financial planner. Based on your threads here, you do not seem to have the temperament to independently manage a long term investment portfolio. Rapidly switching investment strategies, falling for gimmicky trading strategies, planning irrational (in my opinion) tilt...
by autopeep
Sun Feb 10, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: TSP G Fund: Considered Bonds or Cash
Replies: 25
Views: 1542

Re: TSP G Fund: Considered Bonds or Cash

chrisjul wrote:
Sun Feb 10, 2019 11:38 am
autopeep wrote:
Sun Feb 10, 2019 11:33 am
chrisjul wrote:
Sun Feb 10, 2019 11:28 am
Only for allocation purposes. That is why I care.
Seems like such an effort is over-precise.
So is responding to threads with no helpful comment.
You mean other than providing you a link to the info you requested? Good luck with your angels and pins!!!
by autopeep
Sun Feb 10, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: TSP G Fund: Considered Bonds or Cash
Replies: 25
Views: 1542

Re: TSP G Fund: Considered Bonds or Cash

chrisjul wrote:
Sun Feb 10, 2019 11:28 am
Only for allocation purposes. That is why I care.
Seems like such an effort is over-precise.
by autopeep
Sun Feb 10, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: TSP G Fund: Considered Bonds or Cash
Replies: 25
Views: 1542

Re: TSP G Fund: Considered Bonds or Cash

Per the ever useful bogleheads wiki, tsp g functions like a very attractive intermediate bond fund with principal preservation. https://www.bogleheads.org/wiki/Thrift_Savings_Plan In a sense it is a highly desirable stable value fund I think a better question is why do you care if it's cash or bonds...
by autopeep
Sat Feb 09, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 7366

Re: Thoreau Simplify

I am all for simplification and have no great love of materialism. That said, Thoreau always struck me as a hypocrite. A cultural elite who retreated to "a simple life" as a gimmicky book premise. :twisted:
by autopeep
Sun Jan 27, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Unconventional investment choices
Replies: 86
Views: 7965

Re: Unconventional investment choices

Ooooh. This is fun. My confession:. I think IPS are a silly behavioral finance ploy. I do not have one. Yes, an IPS is meant to be a beavioural ploy. It is meant to help you stay the course. Well aware. For me, an IPS is about as valuable as a sheet of paper that says "don't panic". Your mileage ma...
by autopeep
Sun Jan 27, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Unconventional investment choices
Replies: 86
Views: 7965

Re: Unconventional investment choices

Ooooh. This is fun. My confession:. I think IPS are a silly behavioral finance ploy. I do not have one.
by autopeep
Sun Jan 27, 2019 10:06 am
Forum: Personal Investments
Topic: Sick to my stomach [Class C fund fees and portfolio questions]
Replies: 42
Views: 4081

Re: Sick to my stomach

My follow-up post was not my finest moment. I was wrong both about the Roth IRA and the tax bracket. Your simple IRA makes the back door Roth non-palatable. I would try to change the fund class in the simple IRA, invest only to the match until then, pursue your partners 403b (hard to imagine it's wo...
by autopeep
Sun Jan 27, 2019 9:50 am
Forum: Personal Investments
Topic: Sick to my stomach [Class C fund fees and portfolio questions]
Replies: 42
Views: 4081

Re: Sick to my stomach

Not all bad news here! Pension, income and debt status are good. That said you are behind on retirement. 1. I personally would consider not spending any money outside of the 529s on college. You are already giving your kids an incredible gift. 2. invest only to the match in the simple IRA 3. Wrong.....
by autopeep
Sun Jan 27, 2019 8:59 am
Forum: Personal Investments
Topic: Sick to my stomach [Class C fund fees and portfolio questions]
Replies: 42
Views: 4081

Re: Sick to my stomach

I am very sorry for your distress. That said, I think you are over-focused on past mistakes that you obviously cannot correct. And let's be clear, your expense ratios are bad but are not responsible for your underfunded retirement account. We don't really have enough info for detailed commentary (wh...
by autopeep
Sat Jan 26, 2019 7:22 pm
Forum: Personal Investments
Topic: I've consolidated to three funds - did I choose/allocate well?
Replies: 4
Views: 942

Re: I've consolidated to three funds - did I choose/allocate well?

Funds and allocation look good. 1. No. There is no benefit to adding a sp500 fund to your total stock fund. It is completely redundant. 2. It's possible that I don't understand your question but it is more likely that you don't understand Roth IRA's. You have already paid taxes on money in your Roth...
by autopeep
Sat Jan 26, 2019 5:56 pm
Forum: Investing - Theory, News & General
Topic: The problem with TLH...
Replies: 46
Views: 3881

Re: The problem with TLH...

jebmke wrote:
Sat Jan 26, 2019 5:55 pm
autopeep wrote:
Sat Jan 26, 2019 5:53 pm
With regards to problem 2: TLH now, donate appreciated shares to a DAF later. Seems like a win to me.
or you croak and someone gets the stepped up basis.
I plan to live forever or die in the attempt. :sharebeer
by autopeep
Sat Jan 26, 2019 5:53 pm
Forum: Investing - Theory, News & General
Topic: The problem with TLH...
Replies: 46
Views: 3881

Re: The problem with TLH...

With regards to problem 2: TLH now, donate appreciated shares to a DAF later. Seems like a win to me.
by autopeep
Mon Jan 21, 2019 9:18 pm
Forum: Personal Investments
Topic: Emergency Savings
Replies: 24
Views: 2522

Re: Emergency Savings

mc2 wrote:
Mon Jan 21, 2019 9:14 pm
Interesting that nobody mentioned Vanguard short or intermediate term tax exempt funds. Any thoughts?
I use intermediate tax exempt for part of my emergency fund. It's fine. It can also lose money which some people don't want their efund to do.
by autopeep
Sat Jan 19, 2019 11:00 pm
Forum: Personal Investments
Topic: No 529. son in high school
Replies: 19
Views: 2113

Re: No 529. son in high school

You still could invest in a 529 or ibonds (which depending on your income are tax advantaged when used for educational expenses). Neither is likely to substantially impact your finances if your child is in highschool
by autopeep
Sun Jan 13, 2019 9:15 am
Forum: Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2842

Re: How to invest 5k monthly

Investing on a monthly basis is already in effect DCA. Doing anything other than investing money when you have it seems like a waste if effort in this situation. It also increases the complexity of tax loss harvesting.
by autopeep
Sat Jan 12, 2019 6:07 pm
Forum: Personal Investments
Topic: Should my partner contribute to his 403(b)?
Replies: 8
Views: 853

Re: Should my partner contribute to his 403(b)?

The 403b plan is certainly not ideal... I would invest to the 3% match in the 403b. The remainder I would place in a Roth IRA. Roth is definitely preferable to traditional in this case given your low current tax bracket.
by autopeep
Mon Jan 07, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: investing until it's uncomfortable..or cruise control
Replies: 8
Views: 961

Re: investing until it's uncomfortable..or cruise control

I am going to disagree with the other esteemed commenters. Assuming your goal isn't FIRE, your saving rate is fine and you can certainly spend the other 20-30K per year if you so desire.
by autopeep
Sun Jan 06, 2019 10:51 am
Forum: Personal Investments
Topic: All the Vanguard funds I wanted are closed to new investors :(
Replies: 14
Views: 6848

Re: All the Vanguard funds I wanted are closed to new investors :(

Funds still exist. Vanguard got rid of the investor shares and "closed" those funds. Don't search by ticker and you will find them.
by autopeep
Sat Jan 05, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on placing REITs in Roth IRA?
Replies: 16
Views: 3739

Re: Thoughts on placing REITs in Roth IRA?

Yep. Its totally reasonable to hold REITs in a Roth IRA. But is it good to? If you are going to hold REITs and you are going to be holding index or tax managed funds in taxable and all your taxable bonds in either traditional or Roth accounts, it is good to hold the REITs in the Roth or Tradtional ...
by autopeep
Sat Jan 05, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on placing REITs in Roth IRA?
Replies: 16
Views: 3739

Re: Thoughts on placing REITs in Roth IRA?

Yep. Its totally reasonable to hold REITs in a Roth IRA.
by autopeep
Sat Jan 05, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 271
Views: 25443

Re: $40,000 in debt, bankruptcy seems to be the best option right now

I think everyone here is sympathetic to your situation. That said you seem somewhat reluctant to make the necessary changes. Security services, gym memberships, car leases, cable packages. These are all elective expensives you are choosing to take on. You either need to spend less or make more. Agai...
by autopeep
Fri Dec 28, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2659

Re: Trying to understand my wife's dental school loans

One thing that absolutely springs to mind: you need a detailed accounting of all your expenses (like down to the 2 dollars spent at Starbucks on 12/28/18 level) and strict adherence to a budget.
by autopeep
Fri Dec 28, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2659

Re: Trying to understand my wife's dental school loans

I'm an MD (so obviously somewhat different) but wow... 600k is the largest medical related student debt that I have personally heard of. You will get good advice on this thread. Good luck
by autopeep
Fri Dec 28, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 46
Views: 4901

Re: Nobody asked me but

For #7 I am sure the OP will tell you how actively managed funds have performed beautifully in 2018 by hand-picking a few funds based upon having the hind-sight of their prior performance. Active management of actively managed funds (Active Management Squared, TM) has done well this year due to use...
by autopeep
Fri Dec 28, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 46
Views: 4901

Re: Nobody asked me but

As we await your profound reply,I will further clarify my request for evidence. I would like to see an appropriate a priori defined benchmark which we will convienently call "the market"
by autopeep
Fri Dec 28, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 46
Views: 4901

Re: Nobody asked me but

I would be truly delighted to see ANY evidence supporting claim 7. Bonus points if this out performance persists net transaction/management fees
by autopeep
Thu Dec 27, 2018 3:24 pm
Forum: Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 3005

Re: What are some disadvantages to TLH?

I thought capital losses could only be used to offset capital gains. Can they be used to offset ordinary income? If so, I can definitely see the benefit of using a $x capital loss to offset $x of regular income which may be taxed at 22% or more. Indeed. From the excellent bogleheads wiki article on...
by autopeep
Thu Dec 27, 2018 2:27 pm
Forum: Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 3005

Re: What are some disadvantages to TLH?

28fe6 wrote:
Thu Dec 27, 2018 2:18 pm
I don't understand the attraction of lowering your cost basis. So I have never understood why TLH is even beneficial at all.
You don't see the benefit of not immediately paying tax on $3000 of income?
by autopeep
Thu Dec 27, 2018 2:25 pm
Forum: Personal Investments
Topic: Bond options?
Replies: 32
Views: 2230

Re: Bond options?

Two municipal bond funds are not considered the same? The new Jersey state fund and the national tax exempt funds have different indicies and objectives. They are not the same, even though they are a similar class of funds. For instance: you can tax loss harvest from a total stock fund to a sp500 f...
by autopeep
Thu Dec 27, 2018 2:08 pm
Forum: Personal Investments
Topic: TLH Possible with No New Taxable Investments?
Replies: 4
Views: 346

Re: TLH Possible with No New Taxable Investments?

If your taxable investments do not have unrealized losses you cannot tax loss harvest.
by autopeep
Thu Dec 27, 2018 1:21 pm
Forum: Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 3005

Re: What are some disadvantages to TLH?

But you just bought the newer fund with lesser dollars to invest because of your loss. Example: Jan 1 2018...you have $100 in your investment account. You have a choice between fund X or fund Y. (the fund choice doesn't matter..you say they are similar funds with similar curve) So, Jan 1 2018 you i...
by autopeep
Thu Dec 27, 2018 12:54 pm
Forum: Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 3005

Re: What are some disadvantages to TLH?

switching funds does not undo the permanent loss....you still have lesser dollars to invest in your new fund. Share prices of similar funds track on a similar curve. You just bough that new fund at a discount so your lesser dollars buy the same value as the shares of the fund you sold. But you just...
by autopeep
Thu Dec 27, 2018 12:42 pm
Forum: Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 3005

Re: What are some disadvantages to TLH?

the biggest disadvantage I see is a loss is permanent. you can not recover those lost dollars. this may put more pressure to obtain outsized gains in the future to "make up" for these losses. you have to do what you can live with. but, lost dollars can never be regained. If you are switching from o...
by autopeep
Thu Dec 27, 2018 12:32 pm
Forum: Personal Investments
Topic: Bond options?
Replies: 32
Views: 2230

Re: Bond options?

retiredwrench wrote:
Thu Dec 27, 2018 11:49 am
If I claim the tax loss this is not considered a wash sale?
Nope. They are not substantially identical.
by autopeep
Thu Dec 27, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tax donation question [lump vs serial]
Replies: 4
Views: 322

Re: Tax donation question [lump vs serial]

That's the new "normal"... look at all the other DAF threads for confirmation. Also look to see if you can bunch any other itemized expenses into the same year. BTW, you don't have to do a DAF to get the bunching benefit. You can simply contribute 2X or whatever multiplier directly to the charities...
by autopeep
Thu Dec 27, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Tax donation question [lump vs serial]
Replies: 4
Views: 322

Tax donation question [lump vs serial]

Greetings, I was hoping for confirmation/correction about the following. My wife and I plan on yearly donations to multiple charities. I do not think our yearly charitable target is large enough to make itemized deductions exceed the standard deduction (although I haven't done our 2018 taxes yet). W...
by autopeep
Wed Dec 26, 2018 4:04 pm
Forum: Personal Investments
Topic: Bond % in portfolio
Replies: 6
Views: 847

Re: Bond % in portfolio

I am a public employee (in a state with a healthy state pension system), & have a defined benefit and defined contribution portfolio as well as Social Security. Since 2/3 of my portfolio is (in theory) guaranteed, am I ok to have my defined contribution portion 100% in stocks as I age? Thank you fo...
by autopeep
Wed Dec 26, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 5387

Re: Why call them "losses" when you still own the shares?

Many/most on this forum are experienced investors. In my case I only hold Vanguard funds , for the long-term. When 2007-2009 passed through I didn't touch anything. BUT, there are many who panic and bail out at the worst times. Surely there are some of those here and I'm just trying to think how to...
by autopeep
Wed Dec 26, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 5387

Re: Why call them "losses" when you still own the shares?

AZAttorney11 wrote:
Wed Dec 26, 2018 10:03 am
Yes, it’s absolurely a loss. An unrealized loss, but a loss nevertheless. To say otherwise is some sort of coping mechanism that a behavioral finance expert would have to explain.
+1 this
by autopeep
Wed Dec 26, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 5387

Re: Why call them "losses" when you still own the shares?

We really need to stop bandying about the idea that you only have losses when you sell. It's just not true. You have losses whenever the value of your shares dips below the purchase price. "Locking in your losses" reflects the behavioral mistake of selling and staying out of the market and missing t...
by autopeep
Tue Dec 25, 2018 12:06 pm
Forum: Personal Investments
Topic: Emergency Fund - Vanguard Prime Money Market, Ultra Short Bond, or ST Investment Grade?
Replies: 13
Views: 1873

Re: Emergency Fund - Vanguard Prime Money Market, Ultra Short Bond, or ST Investment Grade?

There are a ton of threads on this topic. The solution I settled upon was the following:

1/3 in a high yield saving account, 1/3 in vanguard intermediate Muni fund, 1/3 in ibonds. I am not sure it was worth the hassle to set it up and maintain and I wish I had set a benchmark to compare it too.
by autopeep
Tue Dec 25, 2018 11:51 am
Forum: Personal Investments
Topic: Taxation of interest/dividends in taxable: Is this the most efficient for me?
Replies: 2
Views: 317

Re: Taxation of interest/dividends in taxable: Is this the most efficient for me?

32% Fed, 4.62% State. Considering interest/dividend payments. For bond fund in taxable, looks like in my situation municipal bond fund would be the best, correct? Do these funds incure much in the way of long/short term capital gains usually? Would hope that most are set up to be tax efficient. Ano...
by autopeep
Mon Dec 24, 2018 9:57 pm
Forum: Personal Investments
Topic: When to invest 100000?
Replies: 40
Views: 5116

Re: When to invest 100000?

Right Time in the mark is more important than timing the market. if the OP did not jump the investment of $100,000, he/she won't regret. Timing the market does not mean NEVER into the market, you just park out and part in the market at appropriate time. This is called 401 exchange: Exchange from st...
by autopeep
Sat Dec 22, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16647

Re: All the "should I be 100% stocks" threads over the last year.

I'm still 100% stocks, no regrets. Actually I'm happy the market is tanking. Cheap shares for me! My investing horizon is 30 years+ so these small downturns don't bother me the slightest. Agreed, I would love to see a further 25% downward correction I don't care if you are 100% stock or not. That s...