Search found 20 matches

by noobogle
Sun Jan 17, 2021 9:31 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39731

Re: What have you baked recently?

After making buttermilk roast chicken, I was left with loads of buttermilk leftover. So then came the lemon cranberry ginger scones. And then the fig almond scones. Both are from King Arthur Baking recipes.
Maybe buttermilk biscuits next?
by noobogle
Sun Sep 13, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 55611

Re: What is your age and asset allocation ?

both in our early 40s - one retired, other plan to retire <3 years 55% US + 15% Intl equity / 26% bonds / 4% cash equivalents Debating gliding to 60%/40% for retirement but not sure given the long retirement timeline. Cash is higher than normal while figuring out which bond funds to put it (too much...
by noobogle
Tue Mar 03, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10242
Views: 737038

Re: Refinance Mega Thread

Seeing the same thing as others here, hard to find a no-cost loan from anyone under 3.5%. The 10-year keeps dropping so I hope that helps. Not sure if the surprise Fed action will be an extra ingredient. I’m almost 10 years into a 30-year @ 4.0%. I’ve paid in a little extra so balance is around $25...
by noobogle
Thu Jun 07, 2018 6:02 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 388
Views: 81865

Re: Roll Call for the Retirement Class of 2018!

So far we have 15 graduates enjoying their new freedom :beer :D Upcoming graduates - counting the days!! __ Jun - noobogle (late 30s) <== Welcome to the Class! Thanks Miriam! My last day was June 1st so I suppose I’m now in the ranks of the retired. Deleting my daily alarms felt like a rite of pass...
by noobogle
Wed May 16, 2018 12:22 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 388
Views: 81865

Re: Roll Call for the Retirement Class of 2018!

Does it count if I’m going to be a stay at home parent starting June 2018? We’ve hit our numbers but my spouse is planning to enjoy the work gig for a few more years. I can’t complain since it’s nice to have the healthcare and it pads our numbers. I’m in my late 30s now so perhaps this might be like...
by noobogle
Wed May 16, 2018 12:01 pm
Forum: Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 13
Views: 2791

Re: Alternatives to muni bonds? (and portfolio update)

Sorry for the belated response but it's been crazy at work lately as I'm stepping out of the rat race in a few weeks. Thanks to dratkinson, jpsc and ofckrupke for the additional inputs. I'll definitely have to read up on those resources with my newfound free time. But I think I'm going to have to re...
by noobogle
Thu Apr 12, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax backdoor roth IRA problems, double taxing me?
Replies: 20
Views: 1651

Re: Correctly filing out Form 8606

I'm in a similar situation so when I filled in the 2016 8606, it looked similar except I thought Box 4 should be $5500 too. Box 4 says (Enter those contributions included on line 1 that were made from January 1, 2017, through April 18, 2017) Before I send in the 8606, I want to check if that is cor...
by noobogle
Wed Apr 11, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax backdoor roth IRA problems, double taxing me?
Replies: 20
Views: 1651

Re: Correctly filing out Form 8606

Thanks! That looks easy enough. Based on following instructions and facts (March 2017 non-deductible contribution to IRA), it appears that my 2016 Form 8606 should be filled out as follows: Did not check the amended return box (since I didn't amend the return). Box 1: $5500 Box 2: $0 Box 3: $5500 ....
by noobogle
Wed Apr 11, 2018 12:44 pm
Forum: Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 13
Views: 2791

Re: Alternatives to muni bonds? (and portfolio update)

1. less risk. They are assumed to be of no credit risk. If a default resulted for political reasons, unless it was swiftly reversed, then all heck would break loose in world financial markets. I normally revel in gloom-and-doom scenarios but that one tests even me... I assume good sense on the part...
by noobogle
Wed Apr 11, 2018 12:30 pm
Forum: Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 13
Views: 2791

Re: Alternatives to muni bonds? (and portfolio update)

Thanks for the response ofckrupke. Sorry it's taken a while but work got in the way. Two small points: If one is splitting CA and national muni funds to reduce risk and targeting an overall intermediate duration, it's more tax efficient to split as short-term national plus long-term CA. (I get the i...
by noobogle
Sun Apr 08, 2018 3:09 pm
Forum: Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 13
Views: 2791

Re: Alternatives to muni bonds? (and portfolio update)

I agree that you could use more munis if you wanted. I also agree that paying down the mortgage is never a bad decision. Depending which state you live in, Treasury Bonds (or I-Bonds) might make good sense as their interest is exempt from state taxes. Thanks Marketman. I'm in CA so the tax rates ar...
by noobogle
Sun Apr 08, 2018 2:45 pm
Forum: Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 13
Views: 2791

Re: Alternatives to muni bonds? (and portfolio update)

Nice streamlined portfolio. Congratulations on implementation! Our situation is similar, though we're a bit older. I don't think having 11% muni fund is a problem. Alan Roth suggests no more than 20% of bond portfolio in munis. https://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds...
by noobogle
Sat Apr 07, 2018 11:30 am
Forum: Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 13
Views: 2791

Alternatives to muni bonds? (and portfolio update)

I wanted to do an update and check-in after my first post last year [https://www.bogleheads.org/forum/viewtopic.php?f=1&t=208855&p=3204427]. We implemented the extremely helpful advice you all provided last year (still working on parts of it) including one fund per account, moving AA to more...
by noobogle
Wed Mar 21, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39731

Re: What have you baked recently?

I love no-knead bread in my dutch oven but I prefer the Almost No Knead recipe from America's Test Kitchen. http://www.geniuskitchen.com/recipe/almost-no-knead-bread-2-0-290761 But focused on more low carb options nowadays, been doing a lot of fathead pizza dough and fathead rolls recently. Lately, ...
by noobogle
Tue Jun 27, 2017 4:57 pm
Forum: Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 6347

Re: VTSAX dividend error?

On Vanguard, my dividend reinvestment shows up incorrectly in the transaction history ($58.50) but when I look under Cost basis > Unrealized gains & losses, the correct cost per share shows up ($60.77). So hopefully this means that, if you were to sell, the cost basis would be correct.
by noobogle
Sun Jan 22, 2017 8:51 pm
Forum: Personal Investments
Topic: Portfolio allocation help needed please
Replies: 10
Views: 2005

Re: Portfolio allocation help needed please

I understand why you wanted to combine spouse 1 and 2 into one listing for 401k or Roth for simplicity and less accounts, but it ends up being more jumbled and confusing since there are now redundant funds in each and it is not clear which funds are in which account (Ok, sort of clear if it Fidelit...
by noobogle
Sun Jan 22, 2017 8:33 pm
Forum: Personal Investments
Topic: Portfolio allocation help needed please
Replies: 10
Views: 2005

Re: Portfolio allocation help needed please

On the subject of your portfolio it's clean-up on aisle 5. You have far too many funds with very small allocations, which is unnecessary and it makes it difficult to rebalance. That was my initial impression as well. But if that is 17 different accounts compiled, it may be that way by necessity. Fo...
by noobogle
Sun Jan 22, 2017 8:32 pm
Forum: Personal Investments
Topic: Portfolio allocation help needed please
Replies: 10
Views: 2005

Re: Portfolio allocation help needed please

Welcome, noobogle wrote: 1. Is the asset allocation appropriate if we want to retire in 7-10 years? The immediate problem is your taxable account, which you are going to have to use to begin withdrawals, is also 80% stock. If that account drops by 40%, which is very possible, you may find yourself ...
by noobogle
Sun Jan 22, 2017 8:18 pm
Forum: Personal Investments
Topic: Portfolio allocation help needed please
Replies: 10
Views: 2005

Re: Portfolio allocation help needed please

1. Is the asset allocation appropriate if we want to retire in 7-10 years? Not sure. 80/20 is appropriate for your ages (on the aggressive side), but if you want to retire in 7 - 10 years, you need to shift to more of a protection of assets allocation rather than stay in the growth of assets alloca...
by noobogle
Sun Jan 22, 2017 3:31 am
Forum: Personal Investments
Topic: Portfolio allocation help needed please
Replies: 10
Views: 2005

Portfolio allocation help needed please

First time poster who is trying to own our investment strategy. This forum has been amazing so far. I’ve been reading it into the wee hours of the morning more times than I care to count. I’m aiming for a simple 3 fund portfolio, working to consolidate down from 17 (!) brokerage/retirement accounts,...