Search found 71 matches

by Atomic
Tue Dec 10, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Auto oil change
Replies: 54
Views: 3935

Re: Auto oil change

jdb wrote:
Tue Dec 10, 2019 5:50 pm
Total digression. But with all due respect suggest consider Tesla Model 3 when need new car. This issue then becomes moot. Good luck.
Love this! I have a 2009 fit, and it is very lonely after we bought an EV and are piling on electric miles. Thanks for asking the Q, this is practical advice.
by Atomic
Wed Dec 04, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can retirees really save by moving to a state without income tax?
Replies: 143
Views: 11162

Re: How much money can retirees really save by moving to a state without income tax?

My parents moved from MN to WY as part of their retirement plan to pay less taxes. Seems to be going okay for them, but the social isolation from their MN friends is hard. They mentioned medical was okay in their little capitol city. Similar to above they bought more house than they had, for some re...
by Atomic
Tue Dec 03, 2019 9:23 pm
Forum: Personal Investments
Topic: New to Investing (need portfolio advice)
Replies: 17
Views: 778

Re: New to Investing (need portfolio advice)

Q2, I like to max out to delay taxes. It might work for your income and expected future tax bracket too.

Q4, I would pay it off after maxing tax deffered space.

Rest of the Qs seem well answered above. Welcome to the forum.
by Atomic
Mon Nov 18, 2019 10:54 am
Forum: Personal Investments
Topic: What to do with this cash? Anything?
Replies: 10
Views: 1070

Re: What to do with this cash? Anything?

It might be time to write an investment policy statement (IPS). https://www.bogleheads.org/wiki/Investment_policy_statement I am at a similar point where I fill all the tax-deferred space per year, and the emergency fund (EF) is nearly full. I reassess my EF levels based on the prior year earnings a...
by Atomic
Sun Nov 17, 2019 9:36 am
Forum: Personal Investments
Topic: Multi-tired emergency fund
Replies: 14
Views: 1452

Re: Multi-tired emergency fund

Yes, but instead of CDs, I use ibonds.
by Atomic
Sun Nov 03, 2019 3:46 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 10
Views: 1478

Re: I-Bonds for emergency fund, now or wait?

Thanks, we guessed right. Nov1 fixed rate reset dropped it to 0.2%. Looks like I'll be back in April to ask for next year!
by Atomic
Sat Oct 19, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10387

Re: For those who are FI: At what point did you begin to relax?

OP, for what it's worth, we're 40ish DI2K and have been tracking overall debt, investments and net worth since 2005. We've increased savings rate to the 30-40% range over that time. While still not to 'the number' I would consider FI, we've been steadily gaining. I put the numbers into the https://n...
by Atomic
Mon Oct 14, 2019 4:30 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 10
Views: 1478

Re: I-Bonds for emergency fund, now or wait?

Thanks both. My gut says there is wisdom in crowds. My brain knows there is also stupidity. No judgement and I won't blame you either way!
by Atomic
Mon Oct 14, 2019 4:15 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 10
Views: 1478

I-Bonds for emergency fund, now or wait?

Considering another $5K I-Bond purchase before the Nov 1 rate reset, what does your gut say on the new rate? Conventional wisdom?

Thank you,
Atomic
by Atomic
Sat Oct 12, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 42
Views: 2875

Re: Electric Car Charger - options/Amp settings?

You could consider running a conduit (essentially a small pipe) so that future electric changes are as simple as pulling in new wire. In either case, make sure to record the location of the conduit or wire well. This type of as-built record can be valuable information for you or a future owner.
by Atomic
Tue Sep 17, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3213

Re: Home energy/electricity monitoring?

I've had this product for about a decade. It works well and I like to monitor it. Install was a bit challenging.
http://www.theenergydetective.com/

edit; for a condo - distance to your electric box may matter.
by Atomic
Sun Sep 15, 2019 8:17 pm
Forum: Personal Investments
Topic: Investing $ for 3 years horizon
Replies: 4
Views: 746

Re: Investing $ for 3 years horizon

For that term, I would structure like an emergency fund. MM, ultra short term bond, CDs. Not too concerned about minor loss on discretionary spending account.
by Atomic
Tue Aug 27, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15555

Re: Best of Bogleheads - your #1 takeaway

Index funds. Minimize fees. Minimize taxes. Save enough for retirement, and then more for goals. Pick a simple asset allocation. Stay course.
by Atomic
Fri Aug 16, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: Quick (without looking) what do you think YTD total return of US Bond Index is?
Replies: 46
Views: 4394

Re: Quick (without looking) what do you think YTD total return of US Bond Index is?

Quick without looking! -> What do think the YTD total return of the US Bond Index fund (VBTLX, FXNAX, AGG, et al.) is? Which has a higher YTD total return: US Bond Index or Total International Stock Index? Which has a higher YTD total return: US Bond Index or US Small-cap value index? (I don't care...
by Atomic
Fri Aug 16, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3851

Re: 10 Year Cost of Owning My CR-V

2015 Used Nissan Leaf, purchased used 15 months ago $0.015/mi 'fuel' Holy crap. You are paying $0.05 per kwh for electric? geez I am jealous. I pay maybe 3 times that. I would still get an electric car if they were practical. 4.4 cents / kwh to be exact! It's through a utility program for off-off-p...
by Atomic
Fri Aug 16, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3851

Re: 10 Year Cost of Owning My CR-V

Thanks for keeping the stats and sharing! Very useful. Here are my numbers to compare; 2015 Used Nissan Leaf, purchased used 15 months ago So far... $0.015/mi 'fuel' $0.098/mi depreciation $0.000/mi maintenance (expect this to average out at $0.015/mile in the long term. $0.072/mi licence/insurance ...
by Atomic
Sat Jul 13, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2209
Views: 231466

Re: U.S. stocks continue to soar!

GoldenFinche, S&P 3013 nearly 11 months later. Even if it was down 20 % I would still be making the biweekly deposits! S&P 2896.74. Twenty years from now, as i start drawing to fund retirement, I wonder if i will regret this biweekly purchase of stocks. My bet is that in 20 years you will be very ha...
by Atomic
Sat Mar 02, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much does owning vehicles (cost/month)
Replies: 53
Views: 4254

Re: How much does owning vehicles (cost/month)

My costs are: Depreciation + Fuel + Maintenance + Insurance + License + Finance. Recently upgraded to a Nissan Leaf from and old Toyota . Maintenance and Fuel went way down (over 1500/yr savings) Depreciation, Insurance, and License went up less than that. It was like getting paid to upgrade.
by Atomic
Fri Mar 01, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22595

Re: Talk me in/out of $35k Tesla Model 3

You have loads of money, so that's not the issue. You can easily afford it. But I notice that you've got two young kids. Seems to me that your next vehicle should be one that is better for transporting the family, not worse. It's been decided, Tesla X then! :twisted: Yes, this. In OPs position I wo...
by Atomic
Mon Dec 31, 2018 11:53 pm
Forum: Personal Investments
Topic: How to invest cash? Want no dividend, no interest
Replies: 6
Views: 1596

Re: How to invest cash?

Roth IRA?
by Atomic
Mon Dec 31, 2018 9:48 pm
Forum: Personal Investments
Topic: Asset allocation for almost 44 year old
Replies: 13
Views: 1875

Re: Asset allocation for almost 44 year old

That seems reasonable. I'm at 90.10, at 40. I feel my pension cash value is much like a bond, so if I included that it would be right in line with your AA.
by Atomic
Mon Dec 31, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: "pjtallman" Wins The 2018 Boglehead Contest
Replies: 12
Views: 1902

Re: "pjtallman" Wins The 2018 Boglehead Contest

Bragging rights given for 22nd place?!
by Atomic
Sun Dec 30, 2018 4:09 pm
Forum: Personal Investments
Topic: Help me rebalance my 401k
Replies: 4
Views: 338

Re: Help me rebalance my 401k

I think you are making this too complicated. First choose your AA. So you've recently chose to go from 90/10 to 70/30, great. I am assuming you won't be continually tweaking now, so just re-balance to that AA, and set all future contributions to the same about. I like to re-balance 1 time per year o...
by Atomic
Sun Dec 30, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a family SUV.
Replies: 63
Views: 3323

Re: Looking for recommendations on a family SUV.

I drove a Tesla model X for the first time last week. I was impressed. I recommend giving it a test drive if that is your market segment. My kids love our EV.
by Atomic
Thu Dec 20, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 16589

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Was feeling really good about the market earlier this week. Now I'm going to need a little bump to make this happen!
by Atomic
Mon Dec 17, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: What type of bond investor are you?
Replies: 35
Views: 3075

Re: What type of bond investor are you?

"A(safety)" for the emergency fund later tiers, and "D(balanced)" for the retirement portfolio.
by Atomic
Tue Dec 11, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 24330

Re: What percentage of your net worth is your home equity?

Currently 19%
Edit to include a history since I've owned my home:
2005, 13% (4,800 of 35,900)
2006, 25%
2007, 19%
2008, 5%
2009 -1%
2010, 3%
2011, 5%
2012 10%
2013,12%
2014, 17%
2015, 20%
2016, 16%
2017, 17%
2018, 19% (167,000 of 880,000)
by Atomic
Sat Nov 10, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4004

Re: Roth Investment Theory

The 2019 limit increases to $6000: https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19000-for-2019-ira-limit-increases-to-6000 Vanguard says lump sum outperforms dollar cost averaging 2/3rds of the time: https://personal.vanguard.com/pdf/ISGDCA.pdf Oh wow, I was not aware of the in...
by Atomic
Sat Nov 10, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in my situation
Replies: 17
Views: 1731

Re: Emergency fund in my situation

The answer is personal, but it all comes down to assessing risk. Job loss, job curtailment due to major medical or personal injury, or legal jeopardy, property damage or loss, were on my mind when I decided 6-9mo expense was appropriate. As I thought about each possibility, and the other insurance d...
by Atomic
Fri Nov 09, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Anyone ever “borrow” against their emergency fund?
Replies: 23
Views: 2760

Re: Anyone ever “borrow” against their emergency fund?

I do. I also charge myself interest. I recently borrowed against my EF and really thought I might charge interest. But I didn't know how much to charge and decided I would give myself a 6 month 0% introductory rate. So I am just paying myself back in 6 months. How much interest do you charge yourse...
by Atomic
Sun Oct 14, 2018 5:25 pm
Forum: Forum Issues and Administration
Topic: would someone explain to me
Replies: 8
Views: 1595

Re: would someone explain to me

Darn. I had a good reply in that thread that gave the OP advice and shared my story on how I took a numbers approach to both conservation and finance and how related they were.
by Atomic
Mon Aug 27, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2209
Views: 231466

Re: U.S. stocks continue to soar!

S&P 2896.74.
Twenty years from now, as i start drawing to fund retirement, I wonder if i will regret this biweekly purchase of stocks.
by Atomic
Sat Aug 18, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs: what’s your number?
Replies: 12
Views: 1509

Re: Switching jobs: what’s your number?

Not quite what you were asking, but a data point: I interviewed for another job several years ago. The delta was 16.3%. I ended up not taking it, and now I am making as much due to promotions as I would be having made the move.
by Atomic
Sat Aug 18, 2018 12:07 pm
Forum: Personal Investments
Topic: 4-5 yrs to retirement--seeking insights on funds & priorities
Replies: 17
Views: 2644

Re: 4-5 yrs to retirement--seeking insights on funds & priorities

General observations/suggestions; Stay flexible on the actual dates of retirement as you see account balances grow and get comfortable with the amount you spend by dialing in your household budget. Think about the flexibility and risks in your capital assets and major purchases you may need to make ...
by Atomic
Sat Aug 18, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5503

Re: Your major and investing/finance?

Engineering. Being involved in purchase and ownership decisions from the start of my career has helped my personal finance acumen.
by Atomic
Thu Aug 16, 2018 8:17 am
Forum: Personal Investments
Topic: First time investing(401k)
Replies: 21
Views: 1326

Re: First time investing(401k)

The key ingredient right now is how much you are able to save relative to your income. The old advice was shoot for 10%, and that number seems very low now. I shoot for 30%. Once you have say, $100K consider the difference between the fund expense of the target date index and the doing the same AA w...
by Atomic
Thu Aug 16, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with your interest from your ER fund?
Replies: 10
Views: 1170

Re: What do you do with your interest from your ER fund?

I just leave it there. I annually review the amount as a percent of earned income. As the account doesn't earn a real return and my pay goes up I end up putting more into the EF every year.
by Atomic
Sat Jul 07, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Borrow for BigLaw Partnership Buy-in?
Replies: 26
Views: 4614

Re: Borrow for BigLaw Partnership Buy-in?

The plan seems reasonable. If I understand the risk right, if your firm doesn't make budget you still may need to make the loan payment from other sources. Based on the ratio of debt to income, I don't think the capital buy-in is all that substantial and the up side seems worth it. You may want to a...
by Atomic
Sat Jul 07, 2018 10:07 am
Forum: Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3857

Re: Trying to hit grand slam with small % portfolio?

I invested in individual stocks before bogleheads. Being data driven and comparing my work after fees and taxes against the index averages, I sucked. Now I think it would be more stress and brain space than it's worth.
by Atomic
Sat Jul 07, 2018 10:00 am
Forum: Personal Investments
Topic: Upping my retirement savings game
Replies: 11
Views: 2459

Re: Upping my retirement savings game

Have you thought about dumping the rental property with negative cash flow? Maybe you can tune up the debt to reduce risk and get it working for you again. I agree with previous comments about maxing tax advantaged in retirement accounts.
by Atomic
Sat Jul 07, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 106
Views: 12347

Re: What rate of return are you using for retirement projections?

I use 5 percent real. 15 to 20 years out with 90,10 asset allocation.
by Atomic
Thu Jul 05, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15058

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

Can you charge at work on someone else's dime? If so, the numbers for an EV or plug in hybrid with the range to make it 1x 2x or more the distance might move more of your commute cost off your ledger. The other question to consider: if your wife already has a gas vehicle, can't you still do spontane...
by Atomic
Thu Jul 05, 2018 5:26 pm
Forum: Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 4484

Re: Do you count pension contributions as a portion of your overall retirement contributions.

I have a defined contribution plan that offers refunds of contributions plus a nominal interest per year. I do not calculate my retirement contributions. I do include a comparisons of the refund amount to a conservative estimate of the present value of the benefit amount in my financial plan. This c...
by Atomic
Tue May 01, 2018 9:30 am
Forum: Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1225

Re: Portfolio Review/Advice

More on no. 1. Since you have a reasonable AA selected, do a little spreadsheet work to see what combination of funds and accounts can reduce your fees paid. Stick with index where you can. Dig a little deeper on the available Schwalb funds, they have better index than the ones listed. Nice work.
by Atomic
Tue May 01, 2018 9:24 am
Forum: Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1225

Re: Portfolio Review/Advice

1. AA and percent international are reasonable. 2. Yes, sooner is better. 3. Bond and s&p indexes are good picks in wifes 401. 4. Shoot for sub 0.15 ER.