Search found 276 matches

by MindTheGAAP
Thu Jan 18, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9715

Re: Short Commute or Nicer House?

Public transit is terrible across Dallas irrespective of how close you are to the centre. Isn’t that true? Despite the $6 billion or more invested in those electric trains, we still have great dissatisfaction with public transit in the Dallas metro area. And they keep adding on to DART. I worked wi...
by MindTheGAAP
Thu Jan 18, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9715

Re: Short Commute or Nicer House?

We are currently going through a similar internal debate - we live in the suburbs of Dallas currently and expect to move this year (80+% probability) to either a suburb near to where we are, or to Dallas proper. One factor that makes is harder is we have 3 young daughters (5 and below) and so some ...
by MindTheGAAP
Thu Jan 18, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9715

Re: Short Commute or Nicer House?

We are currently going through a similar internal debate - we live in the suburbs of Dallas currently and expect to move this year (80+% probability) to either a suburb near to where we are, or to Dallas proper. One factor that makes is harder is we have 3 young daughters (5 and below) and so some o...
by MindTheGAAP
Wed Jan 10, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: question about VBTLX
Replies: 27
Views: 3102

Re: question about VBTLX

Where did you see that it made only 0.94% last year? The fund page on Vanguard seems to show something much higher. I looking at the NAV change at Google Finance: https://i.imgur.com/7YOqH2a.png NAV change completely disregards (in terms of Total Return) the distributions (Cap Gains and Interest) f...
by MindTheGAAP
Tue Jan 09, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

So based on your own 45-50 barometer I'm just squeaking into that range on a consolidated basis but just shy on domestic-only, no? Would be coming in on the light side of things but not terribly so. Correct. With an 80/20 AA, you can use Vanguard LifeStrategy Growth fund as a benchmark fund to comp...
by MindTheGAAP
Tue Jan 09, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

You do not have too heavy of a small cap tilt in my opinion. I like the top row to sum between 45 and 50. Thus you could have more US large caps. 2017 was not kind to the US small-cap value asset class. So based on your own 45-50 barometer I'm just squeaking into that range on a consolidated basis ...
by MindTheGAAP
Tue Jan 09, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

Can you please show me the 9-box style grid numbers for a) Total Portfolio b) US only c) Foreign only See this post: https://www.bogleheads.org/forum/viewtopic.php?p=2248876#p2248876 I just did it manually in a spreadsheet (duh) to come up with the boxes. See below: TOTAL PORTFOLIO 15 15 15 09 09 0...
by MindTheGAAP
Tue Jan 09, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

Can you please show me the 9-box style grid numbers for a) Total Portfolio b) US only c) Foreign only See this post: https://www.bogleheads.org/forum/viewtopic.php?p=2248876#p2248876 I don't have Premium or access to an iPad currently so am unable to provide. Will see if the old iPad will fire up t...
by MindTheGAAP
Tue Jan 09, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

Not really answering your question, but a piece of advice. Doesn't really matter what you do just do it. I'm always a bit concerned when folks start talking about asset allocation in decimal points. If you are a young investor I can guarantee your end wealth will have much more to do with how much ...
by MindTheGAAP
Tue Jan 09, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

What an interesting quirk! Thanks for the info
by MindTheGAAP
Tue Jan 09, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

Re: AA - Too Heavy Of A Small Cap Tilt?

I tilt even more, so I don't think so. On the international side, I dropped our large cap developed entirely, and we only own small cap (VSS/VFSVX) and emerging markets (VEMAX). On the U.S. side I only have 10% large cap. A majority of our large cap is emerging markets. (We're 50/50 U.S./ex-US.) Th...
by MindTheGAAP
Tue Jan 09, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1727

AA - Too Heavy Of A Small Cap Tilt?

BH - Wanted to determine if I'm being overly crazy with my small/mid-cap tilt in my portfolio. Background is: nearing 30, MFJ, expect to be in the 28% bracket when all said and done for 2017. Goal AA: 80/20 with a 60/40 split on Domestic/Int'l Equities. Current Portfolio: Taxable - 7% Roth - 35% Tra...
by MindTheGAAP
Tue Jan 09, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 105
Views: 17184

Re: Small cap value vs. total market?

Chart showing cumulative returns from 1972-2017: Blue Line: 28% SCV + 72% 5Yr Treasuries Red Line: 60% Total U.S. Stocks + 40% 5Yr Treasuries Yellow Line: 100% 5Yr Treasuries https://s26.postimg.org/paitjvhix/SCV_TSM_IT_returns.png As you can see, the blue line returns (28% SCV/72% Treasuries) matc...
by MindTheGAAP
Thu Jan 04, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 7762

Re: Larry Swedroe: Patience And Diversification Crucial

Certainly international and value investors have required patience over the last decade. For the former that patience is finally being rewarded but for the latter the waiting continues. I find periodically peeking at the Callan table https://www.bogleheads.org/wiki/Callan_periodic_table_of_investme...
by MindTheGAAP
Thu Jan 04, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: New Investing Book Recommendation
Replies: 2
Views: 474

Re: New Investing Book Recommendation

I've read 'Millionaire Next Door' and it's a good read. I read it several years ago so I could probably benefit from going back and reading it again.
by MindTheGAAP
Thu Jan 04, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [Should my wife take COBRA coverage?]
Replies: 20
Views: 1983

Re: COBRA

You also used to be able to pay 60 days after COBRA starts, so there was this indeterminate period at the beginning where you were covered if you needed to make a claim (and paid for COBRA) but if you didn't need to use it, you didn't need to pay. Find out if this is (still) accurate in your case. ...
by MindTheGAAP
Wed Jan 03, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 1054

Re: 2016 Nissan Pathfinder S with 3rd row seat

Google pathfinder transmission shudder and make your decision. Since 2013 there has been complaints about the cvt shudder/jerk issue. Not all of them will have it. It’s a hit or miss. Overall pathfinder is a very good value to me (a few grands cheaper than other mid sized suv in my region )but this...
by MindTheGAAP
Sun Dec 24, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 6804

Re: Implications of tax bill on residential real estate (house prices)

heartwood wrote:
Sun Dec 24, 2017 2:33 pm


Also mentions a change to the capital gains exclusion rule for a house sale. Don't know if it made it into law.
It didn’t make it into the final iteration - still 2 of last 5 for the exemption up to $500k of Cap Gains for Marrieds
by MindTheGAAP
Thu Dec 21, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Any downside to rolling over IRA to Solo 401K?
Replies: 3
Views: 309

Re: Any downside to rolling over IRA to Solo 401K?

For purposes of having the option of doing backdoor Roths in the future I am considering rolling over my IRA, in kind, into my Solo 401K. They are held at the same entity so I can rollover in kind and my investment options remain the same. Would there be any potential downsides to this rollover? If...
by MindTheGAAP
Wed Dec 20, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Large difference between VTI and VTSAX
Replies: 13
Views: 2112

Re: Large difference between VTI and VTSAX

Hi, quick question. I usually use VTI to track VTSAX, and it's usually very consistent. However, today, VTI dropped 0.01 (0.01%), but VTSAX dropped 0.35 (0.52%). I also noticed that VXUS is also the same today, dropping 0.01 (0.02%), but VTIAX dropped 0.32 (1.05%). Any idea why? Distributions were ...
by MindTheGAAP
Wed Dec 06, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 6115

Re: Best solution for digitizing documents?

I've been looking into this recently, though have yet to spend the money and get started. Our filing cabinet is nearly full of old financial documents. The current plan is to download Duplicati as back-up software (free), and back-up firstly, to a local hard drive (that I already own) and secondly,...
by MindTheGAAP
Mon Nov 20, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 13
Views: 4415

Re: Costco kitchen Cabinets and design service....

If you don't like the look of Ikea cabinets, you can have semi-custom fronts made for them and still come out way ahead of anything comparable. As millewk said above, the hinges and cabinets are good quality and an excellent value. I can't recommend a particular company: https://www.google.com/sear...
by MindTheGAAP
Mon Nov 20, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Open enrollment - Choosing HSA vs PPO - expecting baby
Replies: 21
Views: 1644

Re: Open enrollment - Choosing HSA vs PPO - expecting baby

I'd pick the hdhp just for the out of pocket max for family. Heads up, once the baby is born you pay for the baby's hospital services and the mother's. In the whom they pay one fee, out of the whom you pay two fees. That really surprised me. Can you provide more color on this? We were under PPO for...
by MindTheGAAP
Sat Nov 18, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - should we do it?
Replies: 9
Views: 1221

Re: Backdoor Roth - should we do it?

I'll also point out that at 28% rate (no state income tax?) converting the pre tax IRA funds to Roth is not the end of the world, if the roll over into 401k ends up being a headache. Especially if you might be in a higher tax bracket later in retirement. No state income tax - located in TX. And whi...
by MindTheGAAP
Sat Nov 18, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - should we do it?
Replies: 9
Views: 1221

Re: Backdoor Roth - should we do it?

lakja wrote:
Sat Nov 18, 2017 7:30 am
Not sure why you’d do backdoor Roth if you’re in the 25% bracket. Phase outs don’t start until $186k so you’d need to be in 28% bracket.
You're right, I need to update that. I suppose it's habit to say 25% at this point but that's an error on my part
by MindTheGAAP
Fri Nov 17, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - should we do it?
Replies: 9
Views: 1221

Backdoor Roth - should we do it?

Trying to get a read from the BH gang on whether we should be attempting a backdoor Roth this year or not. Yes I have searched the forum for similar scenarios. Situation: SE Consulting with Solo 401k at Vanguard. Contributions in 2017: $56k ($50k Traditional). Wife and I maxing out with $20k cumulat...
by MindTheGAAP
Tue Nov 14, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Solo 401k Plan Closing
Replies: 5
Views: 879

Re: Solo 401k Plan Closing

Here's what I see on this: One-participant plans cover only a business owner and his or her spouse, or cover only one or more partners or partners and their spouses in a business partnership. Annual returns of one-participant plans can be filed by: electronically using Form 5500-SF with the Departme...
by MindTheGAAP
Sat Nov 04, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock HELP NEEDED
Replies: 12
Views: 1022

Re: Restricted Stock HELP NEEDED

Consulting on ASC 606 alone shouldn't expose OP to any "insider information". But they should exercise caution if any future business strategies are being discussed. I would think selling immediately would help establish that OP is not engaging in speculation. Thanks - that would be my guess too. E...
by MindTheGAAP
Fri Nov 03, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock HELP NEEDED
Replies: 12
Views: 1022

Re: Restricted Stock HELP NEEDED

I appreciate the feedback. I know the typical advise is to sell to reduce the risk in your employer but this is an atypical situation as far as I can tell. Thanks again. What’s atypical about the situation? We have always sold. Atypical given that normally you're an employee and receiving the compa...
by MindTheGAAP
Fri Nov 03, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock HELP NEEDED
Replies: 12
Views: 1022

Re: Restricted Stock HELP NEEDED

Ha! Understand what you mean but would be in an approved trading window for all employees. I appreciate the feedback. I know the typical advise is to sell to reduce the risk in your employer but this is an atypical situation as far as I can tell. Thanks again. Willing to hear any other POVs and/or e...
by MindTheGAAP
Fri Nov 03, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock HELP NEEDED
Replies: 12
Views: 1022

Restricted Stock HELP NEEDED

So I'm in consulting and we're a small start-up. I've been at my current client for 12-mos helping them implement the new revenue recognition standard (ASC 606 for my fellow nerds) and instead of increasing my rate as of July 1, they offered me 1,000 shares of restricted stock. At the time, it was t...
by MindTheGAAP
Mon Oct 23, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 8973

Re: Why do I need bonds? (I'm 30)

I have not Invested through a bear market, right now I am 80/20 AA from recommendations from this site. Looking for more wisdom as to why I need bonds with 20+years to invest. :beer While I understand your POV (I am currently going through the same internal debate, aged almost 30), I am at the same...
by MindTheGAAP
Mon Oct 23, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 8973

Re: Why do I need bonds? (I'm 30)

I have not Invested through a bear market, right now I am 80/20 AA from recommendations from this site. Looking for more wisdom as to why I need bonds with 20+years to invest. :beer While I understand your POV (I am currently going through the same internal debate, aged almost 30), I am at the same...
by MindTheGAAP
Wed Oct 18, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 6694

Re: The overselling of international diversification

I will listen to the smartest mind in the business. I like his 65 plus years of experience on the matter. No need to search further. Listen to Jack. While I understand all of the positives that JB has done, doesn't it seem an awful amount of risk concentration to stick with just a single opinion be...
by MindTheGAAP
Thu Oct 12, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 82
Views: 10880

Re: Larry Swedroe: Non-US Valuations Look Attractive

I imagine that's less contrarian than what I do. I'm over 50% foreign now. The typical US investor is pretty heavy home-country bias. Agree with you. I was raised in England and live in the US now - I'm 55/45 on US/Int'l Equities - just as the US has major multinationals, so does the rest of the wo...
by MindTheGAAP
Tue Oct 10, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 25066

Re: Alternative to Google Finance?

Just saw this too. They always manage to take away some of the features I use most. I didn't actually track my portfolio there but just had the ETF equivalents of my mutual funds for a quick way to check on the daily performance. I assume they'll still have a way to be able to input ticker symbols ...
by MindTheGAAP
Tue Oct 10, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 3748

Re: What is a good Asset Allocation

Thank you for the input, I'm doing a combination of the above. My assets have reached a million and that definitely makes me more skiddish with our current political environment and the high value of stocks. I'm moving towards 80/20 stock bond ratio and 30% of stocks in international. Don't want to...
by MindTheGAAP
Tue Oct 03, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 27
Views: 2660

Re: VWEHX High-Yield Corporate bond

Safest bang for the buck is a 1 year CD at 1.5%. Anything more than that isn't safe. Also, this sounds like an awful lot of effort you are considering having to 'actively manage' this money as you put it, to watch it like a hawk and pull out when you think it is about to go south. For $10k it just ...
by MindTheGAAP
Tue Oct 03, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: RSU's as a Consultant
Replies: 2
Views: 314

Re: RSU's as a Consultant

I would liquidate them and diversify as soon as possible. I would also ask for more because of the added risk due to the black out period. Thanks for the response - they are already being fairly generous with it so I'm happy with the number they are offering. It's also more of a take-it-or-leave-it...
by MindTheGAAP
Tue Oct 03, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: RSU's as a Consultant
Replies: 2
Views: 314

RSU's as a Consultant

BH - I think I know what the best approach is, but I wanted to affirm that I was thinking about this correctly. My current client (publicly traded NASDAQ company) wants to issue RSU's to me as a replacement from a rate increase. The RSUs will be granted at the culmination of the project OR 12/31, wh...
by MindTheGAAP
Sat Sep 30, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 5907

Re: Which bogleheads have a "high need to take risk"?

Not me, but I see a lot of posts where people are. I think they (at least the younger ones) should be told that 80/20 and doing more saving, even if it means going without, is a far better way to reach their goal. If the goal is not worth doing without to achieve, is it really that important of a g...
by MindTheGAAP
Tue Sep 26, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 25066

Re: Alternative to Google Finance?

Just saw this too. They always manage to take away some of the features I use most. I didn't actually track my portfolio there but just had the ETF equivalents of my mutual funds for a quick way to check on the daily performance. I assume they'll still have a way to be able to input ticker symbols ...
by MindTheGAAP
Fri Sep 22, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market Index Fund VS GNMA
Replies: 7
Views: 1230

Re: Vanguard Total Bond Market Index Fund VS GNMA

What is the purpose of your holding either fund? How do you see it fitting in your overall AA?
by MindTheGAAP
Thu Jul 27, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 11186

Re: Should I Quit my 6-figure job?

OP, Have you talked to your wife about this? If you were single and had no dependents, I would say go ahead with looking for a new job. However, with a new baby and your wife being a stay-at-home mom, things get a lot more complicated. If I was a new father and I provided the sole income for the ho...
by MindTheGAAP
Thu Jul 27, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: "3 of Kinnel's Favorite Core Bond Funds"
Replies: 3
Views: 907

Re: "3 of Kinnel's Favorite Core Bond Funds"

For those dying to know but don't want to read the article, the other 2 are Baird aggregate bond and vanguard short term corporate. The Baird fund is int term, 43% corporate, 20% mortgage pass through and 16% us treasury. Investor shares .55er bagsx Inst shares bagix .3 er I don't see a recommended...
by MindTheGAAP
Thu Jul 27, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Barron's: Vanguard’s Bossing the Bond Game
Replies: 6
Views: 1363

Barron's: Vanguard’s Bossing the Bond Game

Barron's highlighted Vanguard's sheer domination in the fixed income space (both domestic and int'l) in this article:

http://www.barrons.com/articles/vanguar ... 1501104229
by MindTheGAAP
Wed Jul 26, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: International correlations hit 20 year low
Replies: 33
Views: 3852

Re: International correlations hit 20 year low

james22 wrote:Frustrating that Vanguard still doesn't offer a ISV fund.
I, for one, would jump on this to replace my Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares (VFSVX) holdings if they kept the ER at reasonable levels.
by MindTheGAAP
Wed Jul 26, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 75
Views: 10471

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

I am fine using seatbelts for installs. That's what I've done with all 4 carseats we own in every car. Maybe once I used latch in a rental car. My kids are very small for their age. 4yr old is 31lbs and 2yr old is 21lbs! Updated options: Subaru Outback, Honda CRV, Mazda CX-5, Lexus RX 350, Volvo XC...
by MindTheGAAP
Thu Jul 20, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Homeowners Insurance Claim - Contents - Item Replacement
Replies: 8
Views: 642

Re: Homeowners Insurance Claim - Contents - Item Replacement

You wouldn't have been made whole, you'd be more than whole because you'd have two working TVs. It's possible that in the fine print of the policy it says that if a claim can be made under warranty, insurance doesn't apply, but if so the adjustor should have brought that up and checked it out. Peop...
by MindTheGAAP
Thu Jul 20, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Homeowners Insurance Claim - Contents - Item Replacement
Replies: 8
Views: 642

Re: Homeowners Insurance Claim - Contents - Item Replacement

barnaclebob wrote:If you were acting in good faith when claiming and purchasing the new one, I would return it if its no longer needed.
Absolutely good faith. The TV wouldn't work and we anticipated having to replace it.