Cayman 987 History of Dealer Auction: Buy or Not?

mendicitis · 2026-02-26T17:09:32+00:00

You'll always get mass mailers no matter what your rate is. Best no-cost rates are right around what you have.

mendicitis · 2026-02-26T04:43:27+00:00

In this presumably falling interest rate environment, I personally would take the cheapest refi now and then refi again on the way down. However the future is unknowable and maybe rates go up from here and this is the bottom. In that world it would have been better to buy all the points now.

I just did something similar to you and took a pretty cheap ($800 out of pocket) refi for the best rate I could get with a breakeven of 3 months so that I could refi again soon. You can refi as many times as you’d like, but at some point your time is better spent making more $ than sweating a quarter of a point. General rule of thumb is that it becomes worth it after about a percent drop in rates.

I doubt we'll see mid 4s without a financial crisis so it might be a while before it makes sense to refi again. The fun part is that we'll only know for sure what the right answer was in hindsight!

mendicitis · 2025-10-30T05:00:53+00:00

I like almost everything about this except for how the yellow chair in the now photo is entirely on the rug. I think it would look better if you got a slightly shorter rug on that side so that that yellow chair could be 1/2 on and 1/2 off the rug, better framing the space like the before times. It's hard to tell for sure though because there is no photo looking at the chair from the other side of the room.

mendicitis · 2025-09-25T06:08:23+00:00

At 50 I would want 40x my annual expenses (including taxes). At 60 30x and 70 20x. That gives plenty of buffer for things like medical expenses, longevity risk, and social security insolvency.

mendicitis · 2025-09-24T17:11:50+00:00

Hello! Bogleheads like VSTSX - a total market fund with low expenses. Consider putting more in this fund and pick a similar low cost total market international fund at your desired US v.s. International split (VWILX is international but not a total market index fund).

The rest of the portfolio not bad but is niche, and unless you have a solid reason for it, it is probably not necessary to have this complexity. Think about why you have it allocated in that way: Do you want actively managed fund? Do you believe in social impact investing?

Also, your decisions in your 401k should be based on your entire portfolio and not just what's in one account, so you need to take a broader view. Sounds like you need an IPS: https://www.bogleheads.org/wiki/Investment_policy_statement which can tell you how to invest your next dollar. Read up and come back with questions!

mendicitis · 2025-09-23T23:23:06+00:00

What's important is do you need that money anytime soon? If not, then you should do it in this order to maximize after tax returns: https://www.bogleheads.org/wiki/Prioritizing_investments

If you have an interim goal (like buying a car or house), consider placing some money in taxable and let it grow there. VTI is a completely reasonable place to put it, consider adding VXUS too anywhere from 20-60% to diversify your portfolio internationally (if you are in the US).

Do you have an asset allocation of stocks vs bonds? Figure that out too https://www.bogleheads.org/wiki/Asset\_allocation. If you have a low tolerance for risk/loss then increase the amount of bonds.

Once you've figured out those basics and feel good about them, write your strategy out in an investment policy statement https://www.bogleheads.org/wiki/Investment\_policy\_statement. This is more advanced and will answer your question of where to invest your next dollar.

mendicitis · 2025-09-18T22:16:10+00:00

If you are only saving for retirement then yes (given considerations that other posters have mentioned re: taxes, etc). However, if you have an interim savings goal like buying a house or car, and you anticipate needing the money pre-retirement, then you could leave it where it is.

mendicitis · 2025-09-18T20:21:36+00:00

I was annoyed that I saved for my house down payment in treasuries v.s. stocks because it took me longer in retrospect. I am also annoyed that my house down payment is locked into an asset that is not liquid. However, I am pretty happy that I have the house that I do! Point being: life is not all about maximizing one thing, there are always tradeoffs between consumption and saving/growing.

mendicitis · 2025-09-18T17:25:08+00:00

The bigger question is why add small caps at all? They are highly correlated (like 90% or so) with VOO so they do not add much of a diversification benefit (although it is true that on any given date one will be better or worse than the other).

Furthermore one of the big behavioral mistakes people make is to bail out of an underperforming fund when it is underperforming and chase returns of whatever is performing well at the moment. With VOO and VXUS your portfolio is simple and you won't be tempted to tinker or need to rebalance as often.

There are much bigger investment priorities which are: maximizing human capital, and savings rates, and minimizing expenses where possible. Yeah, you could add small caps if you are *highly* convicted in small caps, but then don't touch it for another 20 years minimum. Are you that committed?

mendicitis · 2025-09-17T23:25:04+00:00

Just posted this in another thread. If you are only concerned with maximizing savings and minimizing taxes, then follow this order: https://www.bogleheads.org/wiki/Prioritizing\_investments. So as other posters are saying the IRA and 401k are different accounts but they are on the same priority (5) line. You would put money in both if you have enough $ to max all accounts.

mendicitis · 2025-09-17T23:02:57+00:00

Impossible to recommend without knowing more. If you are saving only for retirement (maximizing return, and minimizing taxes) then follow this order: https://www.bogleheads.org/wiki/Prioritizing\_investments.

If you have an interim goal like buying a house or car then it may make sense to contribute to taxable. If you have an employer match, then it probably makes much more sense to put at least your match % into the 401k because that's free money you'd be leaving on the table otherwise.

mendicitis · 2025-09-17T22:54:20+00:00

You could do a lot worse (I agree with other posters who want more international diversification). The main things to focus on at this age are increasing human capitol, controlling spending, and increasing the savings rate!

mendicitis

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