Search found 152 matches

by autopeep
Sat Nov 10, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Noob asset question
Replies: 5
Views: 577

Re: Noob asset question

I am still trying to figure out what our investment plan and asset allocation should be. Right now we have most of our money invested with Vanguard; DH has an old IRA at Fidelity. VTSAX 88.4% (in taxable, IRA, and 403b) VBTLX 8.2% (in IRA and 403b) FZROX 3.4% (in IRA) I'm looking to add REIT's (US ...
by autopeep
Sat Oct 27, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17163

Re: Why I'm 100% stocks

I find these 100% stock allocation threads hilarious. "Look at how brave I am, aside from my cash allocation and pension, I am absolutely 100% no questions committed to equities. Man, I am brave" Most of these posters have never faced an adverse equity markets and have no idea what their real risk t...
by autopeep
Sat Sep 29, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Pondering Pros/Cons of Defensive Investing Starting Out
Replies: 12
Views: 952

Re: Pondering Pros/Cons of Defensive Investing Starting Out

You have never experienced a market downturn and are worried about losing a relatively small amount of money. I think it makes sense for you not to be 100% equities...ever.
by autopeep
Sun Sep 23, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3790

Re: How to get rid of rabbits

I've tried both powder and spray rabbit repellents with little success. They are relatively expensive if you are covering a large space, need to be reapplied, and in my case didn't work very well. This year a red-shouldered hawk moved into the neighborhood and dramatically reduced my rabbit issues.
by autopeep
Sat Sep 22, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7595

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

I am conservative. I do not count on future income to meet my criteria. I had been through too many recession/economy crisis and seen too many financial disasters. KlangFool I think the financial advice you give is generally quite good. With regards to housing,however, you might as well just say "I...
by autopeep
Sat Sep 22, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7595

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

Markr867, 1) Are you "House Poor" asset wise? Are you overexposed to the house? A 304K mortgage means that you have a 400K or more house. Even if you max up 2 x 401K and 2 X Roth IRAs, it is about 50K per year. It will take you quite a while before your portfolio reaches 800K and the house's value ...
by autopeep
Sat Sep 22, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7595

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

Markr867, 1) Are you "House Poor" asset wise? Are you overexposed to the house? A 304K mortgage means that you have a 400K or more house. Even if you max up 2 x 401K and 2 X Roth IRAs, it is about 50K per year. It will take you quite a while before your portfolio reaches 800K and the house's value ...
by autopeep
Sat Sep 01, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Why Total Bond over Long-term Bond/Treasury ?
Replies: 8
Views: 931

Re: Why Total Bond over Long-term Bond/Treasury ?

Err... Past performance does not predict future results. Or more specifically, long term bonds performed well over a 30 yr period of declining interest rates.
by autopeep
Sun Aug 05, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: VINEX international fund
Replies: 29
Views: 1760

Re: VINEX international fund

I am 31 years old and on pace to retire by my mid 30s, I know something about having high expectations :) In regards to people's views, sometimes its helpful, sometimes it isnt, but its also hard because you dont know where they stand financially, how they feel about risk, how accomplished they are...
by autopeep
Fri Aug 03, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3894

Re: Do you think I am being too conservative on buying a house?

I am not sure what advice the OP wants. I will echo pajamas. 1. You are paying down the wrong debt 2. There is zero urgency to move, even if you immediately get pregnant. 3. You can probably afford the house. It likely will adversely affect either your immediately quality of life or your retirement ...
by autopeep
Fri Aug 03, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2920

Re: Should I roast my own coffee?

If you are going to be a roaster, then you have to also be a high level grinder. I can buy million dollar beans and somehow manage to not quite get the grind right. A couple different grinders (max $70) didn't seem to help. Maybe I need a higher quality grinder. At some point (when work is no longe...
by autopeep
Fri Aug 03, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2920

Re: Should I roast my own coffee?

OK I am interested. Can someone recommend a "roaster" if I would like to roast say about 1/2 lb each time? Is there a website to read further? TIA. I would recommend you start with a popcorn air roaster to see if the roasting life style is right for you. +1 sweetmarias website recommendation. I con...
by autopeep
Tue Jul 31, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 126
Views: 14987

Re: Net worth of $3.7M at age 47 - can we retire?

I think you are fine, it's just a matter of detail. Paying off the mortgage takes your portfolio down to $3.2M while reducing your spending to $116k. That gives you a nest egg of about 28X expenses. I think that is pretty solid. If you or your wife can work part time, move to a lower cost area, or ...
by autopeep
Mon Jul 30, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting distributions.
Replies: 4
Views: 366

Re: Reinvesting distributions.

1. No... But who cares? 2. Yes... You will decrease your future return from a fund if you do not reinvest dividends and you holding them for a market downturn. Reasons to turn off automatic re-investment 1. You are pursuing a tax loss harvesting strategy and are trying to avoid wash sales. 2. You ar...
by autopeep
Sun Jul 15, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Need to generate income
Replies: 27
Views: 2776

Re: Need to generate income

It appears from your posts that you do understand the nature of fund returns. To wit: there is no difference in income generation from dividends or selling a fraction of your shares. The pursuit of a high divedend funds based on this misunderstanding puts you at risk for bad investment decisions. A...
by autopeep
Sun Jul 15, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Need to generate income
Replies: 27
Views: 2776

Re: Need to generate income

It appears from your posts that you do understand the nature of fund returns. To wit: there is no difference in income generation from dividends or selling a fraction of your shares. The pursuit of a high divedend funds based on this misunderstanding puts you at risk for bad investment decisions.
by autopeep
Thu Jul 05, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3505

Re: Coffee Grinder recommendations

I make quite a bit of cold brew and some espressos with a stovetop unit . Does he really need a $400 grinder for a stovetop espresso maker? I assume we're talking about a Bialetti Moka or something very similar here. If he's pulling shots on a finicky Elektra Micro Casa lever, then sure, get a $400...
by autopeep
Thu Jul 05, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3505

Re: Coffee Grinder recommendations

If you are "serious" about espresso but don't want to spend 1k on a grinder, you should consider a manual. I'm pretty happy with my kinu and it cost $700 less than a comparable electric grinder. I wouldn't recommend it though if you are making multiple cups multiple times per day. I also have a rock...
by autopeep
Sat Jun 30, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10427

Re: What’s your plan for a market downturn?

If you rebalance during a downturn, though, when everything is going down, (so you’re actually selling funds to buy other funds), doesn’t that just mean your locking in your losses? If you mean rebalancing by adding new money though, then I see the benefit in that The above mantra about "locking in...
by autopeep
Thu Jun 28, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 12157

Re: $1 million house--- sanity check

You could easily afford a $2mm house on that income. Go for it and don't think twice. You could easily afford that house and still save 30%+ if not 45%+ of your gross income. This isn't even close to being borderline. You can clearly unambiguously and easily afford that house. I am puzzled why anyb...
by autopeep
Sun Apr 08, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need a municipal bond fund anymore?
Replies: 7
Views: 1198

Re: Do I need a municipal bond fund anymore?

2. Any Bogleheads out there holding a municipal bond fund in a taxable account even with good fixed income options in your tax advantaged accounts? I hold vanguard intermediate tax exempt in my taxable account as part of my emergency fund in addition to my TIAA traditional and bond index funds in my...
by autopeep
Sun Apr 08, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7156

Re: Gardening 2018

Received my shipment of native perennials on thursday.... it dropped below freezing last night :oops:
by autopeep
Sat Mar 10, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2772

Re: Plastic free coffee maker?

Pour over coffee makers are for you my friend. They will also likely produce a better cup of coffee than traditional drip devices. I think you concerns are also probably unfounded
by autopeep
Sat Feb 24, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 10575

Re: Should I bite the bullet and invest in this market?

Probably almost every person on this thread is--and most on this forum are--heavily invested in the market. And many of them are smarter than me. difference is that most have experienced a 40% run up in the markets just in the last year and change will be virtually unscathed if there is a major cra...
by autopeep
Sat Feb 24, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Move out of bond fund or not?
Replies: 14
Views: 1443

Re: Move out of bond fund or not?

I would choose option 2 and, as dbr suggested, keep it in the sweep account for the 30 days.

Option 1 is also completely appropriate. Timing the bind market beyond tax loss harvesting is a fool's errand.
by autopeep
Tue Feb 13, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth progression: what am i doing wrong?
Replies: 32
Views: 7473

Re: Net worth progression: what am i doing wrong?

Err... You have been making 8k/month pre-tax for 4 months and are wondering why you are "worth" 35k?

Perhaps because you have been making that amount for 4 months?
by autopeep
Sat Feb 10, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2898

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same.
by autopeep
Sun Feb 04, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 16783

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I can't decide which type of "100%er" I'm more amused by: The pensioner or "50% of assets in cash for 'buying opportunites' but I'm totally 100% equities..er"
by autopeep
Sun Feb 04, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 16783

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

My dude.... 1. I do not invest for entertainment. I do not care if bonds are boring. You say weird middle ground, I say "efficiency frontier". I am at high risk for sequence of return effects as I do not have a pension. 2. You are not an "aggressive weirdo". You have a huge amount of fixed income in...
by autopeep
Sat Feb 03, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Am I missing something
Replies: 89
Views: 9369

Re: Bonds - Am I missing something

I would encourage you to read more. If you buy an individual (high quality) bond, you will get paid the full value of that bond at the end of it's duration. You will not lose money. Why don't we all do it? It's inconvenient, it's hard to diversify, interest rate risk , etc.
by autopeep
Sat Feb 03, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Am I missing something
Replies: 89
Views: 9369

Re: Bonds - Am I missing something

Thank you all. As I age, I may be more inclined to “buy in” (literally?) to this whole bond thing. At the moment, I’m not too concerned with volatility (actually joked with my girlfriend about how much money I lost yesterday so maybe we should “stay in” as we were getting ready to go out). Instead,...
by autopeep
Sun Jan 21, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why even have Bonds in a 401k?
Replies: 30
Views: 4030

Re: Why even have Bonds in a 401k?

I have been thinking about this and note there are people providing arguments to both sides. I feel even thought there are tax penalties to be paid the whole idea of having part of your portfolio in bonds is to have accessible cash in a serious emergency and having to prevent selling equities at a ...
by autopeep
Sat Jan 06, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 10973

Re: How much are you putting in a 529?

We have 1 kid who is about to turn 2. We are contributing 6000/yr currently. We will likely increase this amount once she is in school and we have a better sense of her aptitude and interest. Like livesoft, we do not consider the 529 as distinct from the rest of our portfolio
by autopeep
Sat Aug 26, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Short term bond options in taxable VMLTX VSCSX
Replies: 8
Views: 901

Re: Short term bond options in taxable VMLTX VSCSX

at 33% federal tax I would not invest in any short term taxable bond fund. If I was worried about the duration of the intermediate tax exempt, I would buy limited term tax exempt. I would also take a long hard look at my retirement accounts to see if I was truly out of space. After reading https://...
by autopeep
Sat Aug 26, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Short term bond options in taxable VMLTX VSCSX
Replies: 8
Views: 901

Re: Short term bond options in taxable VMLTX VSCSX

at 33% federal tax I would not invest in any short term taxable bond fund. If I was worried about the duration of the intermediate tax exempt, I would buy limited term tax exempt. I would also take a long hard look at my retirement accounts to see if I was truly out of space. After reading https://...
by autopeep
Sat Aug 26, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Short term bond options in taxable VMLTX VSCSX
Replies: 8
Views: 901

Re: Short term bond options in taxable VMLTX VSCSX

at 33% federal tax I would not invest in any short term taxable bond fund. If I was worried about the duration of the intermediate tax exempt, I would buy limited term tax exempt. I would also take a long hard look at my retirement accounts to see if I was truly out of space.
by autopeep
Sun Aug 13, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1850

Re: Alternatives/choices with ambulance or rescue squad

If you really want to save serious money, consider a medical bracelet that says "DO NOT AIRLIFT". I've seen instances where a helicopter was called in, simply because it was available, and an ambulance transport would have been just as fast. I know it's sometimes necessary, based on your location o...
by autopeep
Fri Aug 04, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Have municipal bonds without owning regular bonds?
Replies: 24
Views: 1140

Re: Have municipal bonds without owning regular bonds?

Your taxable is small enough relative to your tax advantaged that I would hold all my bonds in the tax-deferred account for now. Interesting. I'd think since it's small he'd want to keep most of it around for liquidity in a crash. Meh. He has excellent cash flow (he can replace the full amount in 5...
by autopeep
Fri Aug 04, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Have municipal bonds without owning regular bonds?
Replies: 24
Views: 1140

Re: Have municipal bonds without owning regular bonds?

Total taxable 25K Total tax advantage 300K Desired AA 80/20 Desire lowest amount in taxable after crash: Don't really have a number. my taxable is low since I just started but I'm contributing 5-10k a month in it. Ok well 80/20 means you want 65k in bonds so even if your whole taxable is munis you ...
by autopeep
Fri Aug 04, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Have municipal bonds without owning regular bonds?
Replies: 24
Views: 1140

Re: Have municipal bonds without owning regular bonds?

Mega317 that's a great idea. Do you have 1 asset allocation for your tax deferred accounts and your taxable account or do you have 2 separate allocations? One allocation, just some math to determine how much of each asset class in taxable. I almost wonder if it makes sense for me to be 100/0 in my ...
by autopeep
Fri Aug 04, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Have municipal bonds without owning regular bonds?
Replies: 24
Views: 1140

Re: Have municipal bonds without owning regular bonds?

Autopeep, the bulk of my savings are in retirement accounts but I have started contributing more in my taxable accounts and in the near future I will have more in my taxable accounts rather than in my retirement accounts. I just don't see the need for bonds in my tax advantaged accounts since I won...
by autopeep
Fri Aug 04, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Have municipal bonds without owning regular bonds?
Replies: 24
Views: 1140

Re: Have municipal bonds without owning regular bonds?

We need more info to answer this question. For instance are the bulk of your savings in retirement accounts? If so, you should have plenty of space for bonds in those accounts and no need for munies.
by autopeep
Sun Jul 23, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 9564

Re: 4% mortgage rate vs 2.5% BND yield

Folks, I have a 300K 3.49% 30 years mortgage. I could pay it off anytime. My annual expense with the mortgage is 60K per year. My annual expense without the mortgage is 45K per year. My portfolio is approximately 60/40 and the annual returns average 7% per year . 1) If I do not pay off the mortgage...
by autopeep
Sun Jul 23, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: 4-6% a year
Replies: 28
Views: 6735

Re: 4-6% a year

They should consider a single premium annuity (SPIA). Almost certainly a better option than a high risk bond fund.

https://www.bogleheads.org/wiki/Immediate_fixed_annuity
by autopeep
Sun Jul 16, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 9564

Re: 4% mortgage rate vs 2.5% BND yield

Because the question isn't mortgage vs total bond fund, the question is mortgage vs overall portfolio return. If your overall portfolio is expected to return less than a tax adjusted 4% then yes, it would make sense to pay down your mortgage. Ah ha! I think that's exactly it. You nailed it and that...
by autopeep
Sun Jul 16, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 6142

Re: Buying beach bungalow in San Diego for Winters

I'm curious - is there a place in the US in the same range of desirability as a beach bungalow in San Diego where the purchase cost can be covered by renting it out for 8 months, reserving the winter months for oneself? Let me rephrase your question:. Are there affordable beach front houses in temp...
by autopeep
Sun Jul 16, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 4539

Re: Urgent 1st world problem [coffeemaker]

French press, aero press, or pour-over give you more control and better results than even the best drip coffee maker. What is your grinding setup? That is also probably going to make a bigger difference than your coffee maker. Right now I do use a blade grinder, but I do have it down pretty good ge...
by autopeep
Sat Jul 15, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 6142

Re: Buying beach bungalow in San Diego for Winters

not enough info (income, retirement savings, debt,etc) for good advice.
by autopeep
Sat Jul 15, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 4539

Re: Urgent 1st world problem [coffeemaker]

aristotelian wrote: What is your grinding setup? That is also probably going to make a bigger difference than your coffee maker.
This is an excellent point. It is probably not worth spending a substantial amount on a coffee maker if you use a blade grinder.
by autopeep
Sat Jul 15, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 4539

Re: Urgent 1st world problem [coffeemaker]

Spending hundreds of dollars on a drip coffee maker is analogous to buying high cost active funds. You are paying a premium for no real benefit. The quality/freshness of the beans probably matter more than the coffee maker. I second the recommendation for the aeropress. If you decide to go down the ...