Search found 238 matches

by MindTheGAAP
Tue Sep 18, 2018 4:35 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5389

Re: I see now why Rollovers can take FOREVER ....

Even doubly stupid: My previous employer set up our 401k at Vanguard (yay!). My rollover IRA is at Vanguard. You would think this could mean it could all be done electronically, but, no, I have to have the Vanguard 401k cut a check, which is mailed to me, which I then mail back to Vanguard for depo...
by MindTheGAAP
Tue Sep 04, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6895

Re: Daily Driver (Car) Over 100K Miles?

07 Lexus GS350 w/ 126k miles. It's of the generation that burns oil a little quickly (they rebuilt the IS engines for same problem but aren't doing the same for GS). Will drive it until it becomes cost prohibitive but hoping it'll last another 50k with me just adding a quart of oil every couple of t...
by MindTheGAAP
Thu Aug 23, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: VB vs IJR [Vanguard Small-Cap vs. iShares S&P SmallCap 600]
Replies: 23
Views: 2754

Re: VB vs IJR [Vanguard Small-Cap vs. iShares S&P SmallCap 600]

Curious to know what caused the difference in portfolio growth starting in Dec 2016 between IJR (portfolio 2 ) and VB (portfolio 1) https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2004&firstMonth=1&endYear=2018&lastMonth=12&endDate=08%2F22%2F2018&initialAmount=1000...
by MindTheGAAP
Wed Aug 22, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6507

Re: What non-Vanguard ETFs will you be looking to buy?

If I were still at Vanguard I would be looking to buy iShares, Schwab, Wisdom tree index funds that were not offered by Vanguard or are suboptimal at Vanguard for whatever reason. Some tickers: IJS, DGS, FALN, FNDE, FNDF, IVLU. The list is very short. If you don't tilt away from the market portfoli...
by MindTheGAAP
Mon Aug 20, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Drift (Style Perspective)
Replies: 4
Views: 297

Re: Mutual Fund Drift (Style Perspective)

None of the funds you list are going to suffer from style drift, but there were several threads back in the spring about M*'s "Style Box Drift". NAESX - is not really Small Cap?! Dramatic decline in VTSMX small cap holdings? Change in Morningstar size buckets? Vanguard's main CRSP-index funds uses ...
by MindTheGAAP
Mon Aug 20, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Drift (Style Perspective)
Replies: 4
Views: 297

Mutual Fund Drift (Style Perspective)

All, Wanted to get feedback from those with more years under the belt playing this investment game than I. I just did a quick check of the style boxes per Morningstar for the funds I'm in and noticed some reasonable style drift since I last updated them. For example, Vanguard Total Stock Market (VTS...
by MindTheGAAP
Mon Aug 06, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: 48" Range - Recommendations
Replies: 7
Views: 442

Re: 48" Range - Recommendations

8foot7 wrote:
Mon Aug 06, 2018 10:50 am
had a 48" Bluestar with 6 burners and the grill. loved it. We moved, so it stayed with house, but want to put in new home
Thank you - it's on the list to take a look at. Appreciate your feedback.
by MindTheGAAP
Mon Aug 06, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: 48" Range - Recommendations
Replies: 7
Views: 442

Re: 48" Range - Recommendations

I would personally avoid Viking like the plague! I have a 36" one now. The open gas burners are awesome, the oven has had nothing but problems since day one and I had difficulty getting them to honor the warranty on something that was clearly covered. The stovetop grill is a nightmare to clean. The...
by MindTheGAAP
Mon Aug 06, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: 48" Range - Recommendations
Replies: 7
Views: 442

48" Range - Recommendations

Chefs/ Home Cooks of BH, We are going to be embarking on a kitchen remodel (and addition) in the very near future (expect it to start within the next couple of months) and we are trying to evaluate our options when it comes to the range we'll install. We have settled on a 48" range with double oven ...
by MindTheGAAP
Fri Jul 06, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Boglehead CPA's: How Do You Complete Your CPE Requirements?
Replies: 7
Views: 533

Re: Boglehead CPA's: How Do You Complete Your CPE Requirements?

I get free CPE through Deloitte's webcasts. If you just need to get some hours, and you don't necessarily care about the topic, this is a good option. They are generally an hour long, take place during the work day, and you have to answer 3 questions to prove you are participating. I use this and t...
by MindTheGAAP
Fri Jun 15, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 69
Views: 11302

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Thanks for the heads up. Closed an older 1.5% No Penalty and swapped into the new rate. And for fun, I liquidated my 1.75% one for the 1.8% today. Tiny interest bump for <5 min typing. I won't chase higher rates as I like the liquidity and I treat it like cash. Just did the same. It's so easy there...
by MindTheGAAP
Fri Jun 15, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 69
Views: 11302

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

geospatial wrote:
Fri Jun 15, 2018 9:56 am
The no penalty 11-month CD appears to have been bumped 30 basis points from 1.50% to 1.80% (for $25K+). This is slightly better than the 1.75% locked in at the start of the calendar year by some people too.
It’s about time it moved upwards again!
by MindTheGAAP
Thu Jun 14, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Bidding for airline flight class upgrade
Replies: 9
Views: 1489

Re: Bidding for airline flight class upgrade

We just flew with Singapore Airlines (May 2018) and they gave us the option to do the same. We got a killer deal on the original tickets ($600 rt/pp from Houston to Bali, so about 50% off) and so the minimum cost/bid to upgrade to PE was high ($1,200 rt/pp). We passed on it and we're glad we did. P...
by MindTheGAAP
Thu Jun 14, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Bidding for airline flight class upgrade
Replies: 9
Views: 1489

Re: Bidding for airline flight class upgrade

We just flew with Singapore Airlines (May 2018) and they gave us the option to do the same. We got a killer deal on the original tickets ($600 rt/pp from Houston to Bali, so about 50% off) and so the minimum cost/bid to upgrade to PE was high ($1,200 rt/pp). We passed on it and we're glad we did. Pr...
by MindTheGAAP
Wed Jun 06, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Remaining 401k Money - Lump Sum or DCA?
Replies: 7
Views: 413

Re: Remaining 401k Money - Lump Sum or DCA?

I would answer your question with a question, why not put it all in today? I suppose by putting it in on an ongoing basis hedges a little for a drop in valuations. I could do it now (cash is in the account), I guess I just didn't know if that made the most sense to do. My favorite analogy for this ...
by MindTheGAAP
Wed Jun 06, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Remaining 401k Money - Lump Sum or DCA?
Replies: 7
Views: 413

Re: Remaining 401k Money - Lump Sum or DCA?

megabad wrote:
Wed Jun 06, 2018 12:34 pm
I would answer your question with a question, why not put it all in today?
I suppose by putting it in on an ongoing basis hedges a little for a drop in valuations. I could do it now (cash is in the account), I guess I just didn't know if that made the most sense to do.
by MindTheGAAP
Wed Jun 06, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Remaining 401k Money - Lump Sum or DCA?
Replies: 7
Views: 413

Re: Remaining 401k Money - Lump Sum or DCA?

Is this 22k out of the 18.5*2 limit or the 53*2 limit? How was the remaining amounts invested this year in the first 5 months? It's the remainder for both ($10,800 each) and the already-invested was done on a semi-monthly basis to almost simulate the typical cadence of a normal 401k/ payroll system.
by MindTheGAAP
Wed Jun 06, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Remaining 401k Money - Lump Sum or DCA?
Replies: 7
Views: 413

Remaining 401k Money - Lump Sum or DCA?

I'm self-employed and we (DW and I) have another $22k or so left in space this year to our 401ks. Am I better off continuing to DCA that in on a semi-monthly basis or should I just drop it in there and let it ride? I suppose alternatively I could do it on a quarterly basis and it would be somewhere ...
by MindTheGAAP
Thu May 03, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: What Bond Funds Do You Use Other Than Total Bond Market??
Replies: 10
Views: 1399

Re: What Bond Funds Do You Use Other Than Total Bond Market??

I actually go the opposite way as you, OP. I'm 30 with a fairly meager portfolio by many BH's standards but my thought is this: - I tilt to size and EM on the equity side of the coin (see below for my equity 9-boxer) - Since I tilt to higher volatility equities, I go 2 parts Short Term Bond Index to...
by MindTheGAAP
Thu Apr 12, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6693

Re: Could you support family on 1 income?

We do and have done for 6 years. We ended up having kids at 24, 25, and 28 and my wife stayed at home after the first (even if not planned, our first 2 are 15-mos apart so she'd have needed to most likely anyways for a little while). It has gone from being very tight to being much more easily handle...
by MindTheGAAP
Sat Apr 07, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 14338

Re: What is your AA, given your age? and, Why?

We are 30 and have an AA of 90:10 right now. 55:45 split between US and Int'l with tilts towards small for both and EM for Int'l. Balance is about $200k right now and trying to decide if we got with balance-based adjustments or if we go for age-based glide. At "only" $200k it feels like it would min...
by MindTheGAAP
Fri Mar 30, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 359332

Re: What are you up YTD? [Year To Date]

-0.1%

55%/45% on US-to-Int'l and 90% equities. Tilt to size both Domestically and Internationally and also to Emerging markets.
by MindTheGAAP
Tue Mar 27, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

It's not the mortgage vs. income so much as value of house vs. net worth. But really, why should that matter much? If the OP's net worth was $400k vs what it is now, would that make the answer different? I guess I'm just thinking that if he can afford the mortgage from a monthly perspective and ove...
by MindTheGAAP
Tue Mar 27, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

Already live in Allen so not like it would be any further than what I'm used to. Current work areas are Addison and Richardson. Client in Richardson has offered me a similar paying job to try to get me in the door there - would include some RSUs in that amount but I'd get there on money. And as I'm...
by MindTheGAAP
Tue Mar 27, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

Income is fairly stable - it is partly the hours I work, partly the clients I bring in, and part just how the Company I assisted start-up is doing (growing, etc.). I think the big concern is that from what you said your income has not been stable and has more than doubled over the last three years....
by MindTheGAAP
Tue Mar 27, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

Income is fairly stable - it is partly the hours I work, partly the clients I bring in, and part just how the Company I assisted start-up is doing (growing, etc.). I think the big concern is that from what you said your income has not been stable and has more than doubled over the last three years....
by MindTheGAAP
Mon Mar 26, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

I am a little surprised with the majority saying this can't be afforded. It certainly is pushing it, but OP is still talking about a mortgage that would be ~2.5x his gross income. I realize many here like that number to be closer to 2.0x income, but this isn't that crazy, is it? It's not the mortga...
by MindTheGAAP
Mon Mar 26, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

Let me just add that the goal isn't to spend that much. We have both agreed that something in the $600k-650k ballpark would be much more comfortable and allow us to save more significantly on an ongoing basis. Hell, if we could find something in the area that we're looking for $500k that we could up...
by MindTheGAAP
Mon Mar 26, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

Lots of good advice above. Predicted stability of income, or likelihood of potential growth, is an important consideration. I'm a little puzzled at the sticker price. OP says he is in Suburban Dallas, but then also says he is only finding houses over $750k+ w/one acre suitable. I didn't think housi...
by MindTheGAAP
Mon Mar 26, 2018 6:32 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

OP, What are your expenses after adding housing - seems like the house will eat 90k - 100k/yr ? What is stability of earning 250 - 275k/yr? I would buy something in 500k range with your current stats unless you can throw more numbers. Why do you need a 1 acre lot? I would need to consult YNAB insta...
by MindTheGAAP
Sun Mar 25, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

I agree with this. Your thinking about savings is "well, I've only had the high-paying job for a couple of years!" But then that means you're moving to lock it up in housing payments and property tax almost immediately, which will make aggressive savings (which you've delayed) even harder to achiev...
by MindTheGAAP
Sun Mar 25, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Am I bonkers?

$800k for a house seems way out of proportion to your other assets even if you can swing the monthly payment and the income is from both spouses working with no great risk of unemployment. The value of your current house seems much more appropriate based on the information you've provided. Seems li...
by MindTheGAAP
Sun Mar 25, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

Re: House Purchase - Sanity Check On Financials

wilked wrote:
Sun Mar 25, 2018 9:56 pm
Single income or dual?
Single
by MindTheGAAP
Sun Mar 25, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4802

House Purchase - Sanity Check On Financials

Wanted to post the likely move we’re going to make in the near future (within next quarter) and get a sanity check from the board. Sure, it’s an echo chamber a little bit but there’s some great thinkers and different perspectives. We are about to sell our place (listing it within the next fortnight)...
by MindTheGAAP
Fri Mar 16, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3778

Re: Which Day Hiking Trails Do You Recommend?

livesoft wrote:
Thu Mar 15, 2018 10:04 pm
Trails starting from the Chisos Basin in Big Bend National Park.

Palo Duro Canyon State Park, Texas.
Was at BBNP in October - absolutely amazing time and unlike anywhere else I've been in Texas. Want to get out to Palo Duro Canyon at some point with the free roaming buffalo/bison.
by MindTheGAAP
Fri Mar 16, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 181
Views: 24364

Re: Vanguard New Factor Funds Portfolio Statistics

I bought some of the Multifactor Admiral Shares on the first day. I'm planning to stick with it as a core position, but I'll probably take my existing large value and move it to VFVA. It seems to be more value-y than Vanguard's existing CRSP value funds. I may swap a couple of percent to the positi...
by MindTheGAAP
Fri Mar 16, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 181
Views: 24364

Re: Vanguard New Factor Funds Portfolio Statistics

I bought some of the Multifactor Admiral Shares on the first day. I'm planning to stick with it as a core position, but I'll probably take my existing large value and move it to VFVA. It seems to be more value-y than Vanguard's existing CRSP value funds. I may swap a couple of percent to the positi...
by MindTheGAAP
Wed Mar 14, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Deciding between Pathfinder, Highlander and Pilot
Replies: 21
Views: 2352

Re: Deciding between Pathfinder, Highlander and Pilot

bloom2708 wrote:
Tue Mar 13, 2018 12:53 pm
Pathfinder only has 2 rows of seats. Not sure if that matters. The other 2 are 3 row 7/8 passenger vehicles.

Of the 3 I would pick the Highlander. If you pick the Highlander, then use cargurus.com or autotempest.com and look for a better "deal".
Owner of a 2013 Pathfinder - it is 3 rows.
by MindTheGAAP
Thu Mar 01, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 3729

Re: What iPhone podcast application do you use?

Overcast for many of the reasons noted above - speed settings, smart speed to remove silences. No complaints
by MindTheGAAP
Tue Feb 20, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 7145

Re: Expat Living

I'm still working, but a few years ago did some serious research into moving to Costa Rica. International Living (the magazine) sponsors living abroad seminars, which you may want to look into. In our case, I saw the seminar for Costa Rica, but found a free two day seminar that was held monthly in ...
by MindTheGAAP
Tue Feb 20, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 7145

Re: Expat Living

I'm still working, but a few years ago did some serious research into moving to Costa Rica. International Living (the magazine) sponsors living abroad seminars, which you may want to look into. In our case, I saw the seminar for Costa Rica, but found a free two day seminar that was held monthly in ...
by MindTheGAAP
Tue Feb 20, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Golf Bag
Replies: 22
Views: 1777

Re: Golf Bag

Ogio make good quality bags in my experience and have some nice hybrid bags that are good for both carrying and using on a cart. They are not the lightest bag you can buy but they are superb and their customer service was very easy to deal with when I had an issue with mine. It has been collecting d...
by MindTheGAAP
Thu Feb 15, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15233

Re: What big item (>20k) are you saving up for?

Patek Philippe for sure ... Just kidding. I do love mechanical watches but right now not saving much for anything. Do like to travel a fair amount, but don’t blow anywhere close to 20k on any one trip (maybe over two or three years of 7-10 trips a year, mostly weekend jaunts). Not saving up for it,...
by MindTheGAAP
Fri Feb 09, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 359332

Re: What are you up YTD? [Year To Date]

-2.64% - 90% Equities and 60% US/40% Int'l.
by MindTheGAAP
Fri Feb 09, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 220
Views: 35788

Re: Ally online savings now at 1.45%

Usually if you call them they will transfer your current account to the new higher rate. At least they did that for me at CIT bank. It was super easy. No paperwork, just a phone call. https://www.bankoncit.com/ Which has a 1.55 savings account I am always reluctant to trust these "up and coming" on...
by MindTheGAAP
Fri Feb 09, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 220
Views: 35788

Re: Ally online savings now at 1.45%

Usually if you call them they will transfer your current account to the new higher rate. At least they did that for me at CIT bank. It was super easy. No paperwork, just a phone call. https://www.bankoncit.com/ Which has a 1.55 savings account I am always reluctant to trust these "up and coming" on...
by MindTheGAAP
Fri Feb 09, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496434

Re: U.S. stocks in freefall

29 here, just sold half IRA and 15K of stock today still have ~50K in stock i am all equity/stock, i have nothing to fear with 30 years down the road till retirement Huh?! You cashed out 15K of stock after a 10% decline, because you have 30 years of time and nothing to fear? Those seem mutually exc...
by MindTheGAAP
Fri Feb 09, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496434

Re: U.S. stocks in freefall

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Am I allowed to ask your age and current AA...
by MindTheGAAP
Fri Feb 09, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496434

Re: U.S. stocks in freefall

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Am I allowed to ask your age and current AA...