Search found 243 matches

by MindTheGAAP
Wed Oct 18, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 6540

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: 10738

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: 24779

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: 3624

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: 2555

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: 305

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: 305

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: 5813

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: 24779

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: 1197

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: 10959

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: 877

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: 1339

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: 3784

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: 9901

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: 619

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: 619

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.
by MindTheGAAP
Thu Jul 20, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Homeowners Insurance Claim - Contents - Item Replacement
Replies: 8
Views: 619

Homeowners Insurance Claim - Contents - Item Replacement

I need to get an idea of where the BH community falls on this because my wife and I are at odds with how we should treat it. We got hit by a lightning storm-related power surge earlier this month and are going through the process of claiming on our HOI policy. Our 1-mo old TV got fried in the surge ...
by MindTheGAAP
Mon Jul 17, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Why Not REIT's?
Replies: 47
Views: 6612

Re: Why Not REIT's?

Which has serious tax consequences. Unlike most other stocks and stock funds, REIT dividends are never qualified, which means they are taxed at your higher marginal rate rather than at the long-term capital rate applied to qualified dividends. I get confused by this. I own some VNQ, but it's in my ...
by MindTheGAAP
Thu Jul 13, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: S Corp - minimize taxes, maximize deductions
Replies: 29
Views: 3191

Re: S Corp - minimize taxes, maximize deductions

Happy to answer any questions you might have on this. Once in a while I see posts here that claim 'setup defined benefits plans , took $100k in tax-deferred deductions'. Not sure what kind of plans these are. Defined benefit plans are traditional pensions. I don't mess with those because I prefer t...
by MindTheGAAP
Thu Jul 13, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: S Corp - minimize taxes, maximize deductions
Replies: 29
Views: 3191

Re: S Corp - minimize taxes, maximize deductions

Thank you for all the responses. Industry: Software consulting. Wife works and contributes $18k per year, so does not make sense to put her on payroll. Wife employment provides health care for entire family. Taking deductions for mileage, equipment, cell phones, internet, travel etc. No home office...
by MindTheGAAP
Sun Jul 09, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 6093

Re: Dave Ramsey's advice on investing?

I know not everyone follows Dave Ramsey, but I took a Dave Ramsey course a couple of years ago and applied some of his principles. As for his other advice, some I took with a grain of salt. I read online that Dave Ramsey(on the Dave Ramsey blog) advises it's better to use investment professionals t...
by MindTheGAAP
Fri Jul 07, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 5104

Re: Why has Vanguard Total International (VTIAX/VXUS) underperformed?

lack_ey's answer is correct. I'll note three things: (1) The 15-year trailing return is 6.79% according to M*, compared to a category average of 6.05%. Consistent with the idea that VTIAX includes Emerging Markets, its risk measured in standard deviation is also higher relative to category: 17.71% ...
by MindTheGAAP
Tue Jun 27, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 26966

Re: Suits: best bang for your buck?

Strongly recommend Spier & Mackay (https://www.spierandmackay.com/) for their suits. Great modern cut (the contemporary is REALLY trim) and fabrics.
by MindTheGAAP
Tue Jun 27, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 37
Views: 11165

Re: Got a Question for the Experts Panel at the Bogleheads Conference?

Given that the impact to Bond Funds have not been what may have been expected in a rising rate environment, would any of the panelists now consider Long Term bonds (with their lower correlation to the US Stock Market) be a plausible safety/volatility play rather than the more typical Short Term or I...
by MindTheGAAP
Wed Jun 21, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s | Traditional vs. Roth 401k

I would not use a LT bond fund myself, but there must be folks that do. Presently, I own 4 fixed income investments: BND|AGG|VBMFX|VBTLX|FBIDX (total US bond index) BIV (intermediate-term) VCSH (short-term corporate bond index) TIAA Traditional Annuity I trade between VCSH and the other ETFs in res...
by MindTheGAAP
Wed Jun 21, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s | Traditional vs. Roth 401k

Thank you in advance for your help and insights. This all looks good to me. I'd go with at least 20% bonds. I suppose when you contribute/buy in your Roths or other accounts, you buy the asset class that is underweighted. 1. 20% bonds, otherwise AA seems great. 2. I wouldn't worry about what Person...
by MindTheGAAP
Wed Jun 21, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

So I'm currently in VBILX (Intermediate Term Bonds) since that seems to be a popular alternative to the Total Bond Fund. Is there a reason I wouldn't just use a Long Term Bond fund (ex. VBLTX or VWESX)? It seems I'd get a decent-enough yield and I have the runway to see these through to maturity, I...
by MindTheGAAP
Wed Jun 21, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

I suggest around 20% in bonds even for the young aggressive investor. That is expected to significantly decrease portfolio risk, with only a relatively minor impact on portfolio performance. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return...
by MindTheGAAP
Wed Jun 21, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

Just curious: who are the many (or any) who believe someone in the 28% bracket (and perhaps higher marginal rate), without a defined benefit pension, should contribute to a Roth 401k? And if they so believe, what is the reasoning? See Traditional versus Roth - Bogleheads . Those who believe that si...
by MindTheGAAP
Wed Jun 21, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

Honestly at 29, I have a long time until retirement so who knows what tax rates will look like come retirement age for me...>> In order for you to have a retirement tax rate of 28%/33%, you would need to have the investment of more than 10 million. You probably would have retired before you ever hi...
by MindTheGAAP
Wed Jun 21, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

Honestly at 29, I have a long time until retirement so who knows what tax rates will look like come retirement age for me...>> In order for you to have a retirement tax rate of 28%/33%, you would need to have the investment of more than 10 million. You probably would have retired before you ever hi...
by MindTheGAAP
Wed Jun 21, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

In our bracket it seems like many believe it to be a toss-up as to which contribution to use. Particularly since we both max out. Just curious: who are the many (or any) who believe someone in the 28% bracket (and perhaps higher marginal rate), without a defined benefit pension, should contribute t...
by MindTheGAAP
Wed Jun 21, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

True, it easy to just look at returns. The other metrics tell the story of the journey to get to that return, which of course takes into account emotion, staying the course etc. Easy to say when looking at a graph of hypotheticals. My point was simply that I think sometimes we get bogged down in th...
by MindTheGAAP
Tue Jun 20, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

To your first question, I'd say you are doing fine, keep it up. To your second, if you haven't played around with https://www.portfoliovisualizer.com/backtest-portfolio spend a little time on it. I recently did and was amazed how making what I thought was significant portfolio changes regarding AA ...
by MindTheGAAP
Tue Jun 20, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

At your bracket...Why are you doing Roth 401k? In our bracket it seems like many believe it to be a toss-up as to which contribution to use. Particularly since we both max out. Part of the reason for the post was to verify if we were going about it the correct way - our tax accountant actually reco...
by MindTheGAAP
Tue Jun 20, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

For most people traditional 401k contributions will probably be better. TFB blog post, "The case against Roth 401k" . "I think for most people the majority, if not 100%, of the contribution should go to a Traditional 401(k)." This is because of the higher value of the deduction now at your marginal...
by MindTheGAAP
Tue Jun 20, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

We're at about 4-mos of EF at the moment with the goal to bolster it to 6+. I wouldn't be surprised if we don't get to 12-mos in a savings account at a certain point to give peace of mind. That's 4-mos of current spending, not 4-mos of "we're using EF to live" spending. Does that make sense? I don'...
by MindTheGAAP
Tue Jun 20, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Asset Allocation - Help with %s

I suggest around 20% in bonds even for the young aggressive investor. That is expected to significantly decrease portfolio risk, with only a relatively minor impact on portfolio performance. I don't think that adding another 5-10% in real estate will have a significant impact. Given your tax bracke...
by MindTheGAAP
Tue Jun 20, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Assistance with AA

Thesaints wrote:Try to build a substantial EF quickly; emergencies come at their convenience. That should be your first priority now, more than retirement.
Can you define "substantial" in your world? Not necessarily $s but # of mos., etc.
by MindTheGAAP
Tue Jun 20, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Re: Assistance with AA

If that's only your retirement AA you are talking about, that's fine. If that's all of your AA, you are missing expenses for three daughters at a minimum. They'll go to college almost at the same time. Also you need to build a contingencies fund. Just the Retirement AA. We also share the view that ...
by MindTheGAAP
Tue Jun 20, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3590

Asset Allocation - Help with %s | Traditional vs. Roth 401k

Hey all - Wanted to get some hot sports opinions on the best Asset Allocation for my/our situation. See fact pattern below: Emergency funds: Got it. On lower end but building it up Debt: Couple of medical bills at 0% but remaining debt is just the mortgage - $220k o/s at 4.5% Tax Filing Status: MFJ ...
by MindTheGAAP
Wed Jun 14, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 7111

Re: Larry Swedroe: Persistence Of The Value Premium

Does this mean that it is better to tilt toward value? I have been reading the Boglehead's suggested readings and have seen conflicting opinions on tilting toward value. FWIW, I decided to just tilt towards smaller cap equities using the VB/ NAESX/ VSMAX fund which has some value equities but is su...
by MindTheGAAP
Fri May 26, 2017 3:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on REITs
Replies: 66
Views: 9713

Re: Larry Swedroe on REITs

Some of these REIT articles made me re-examine what was under the hood of some of my MFs - mainly my Small Cap Index fund (I hedge on the value premium aspect and stick with the middle of the road fund) - I noticed they had some 12% of the fund in the Real Estate space (per Morning*). At that realis...
by MindTheGAAP
Mon Apr 24, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k recommendations?
Replies: 50
Views: 4207

Re: Solo 401k recommendations?

I use Vanguard for our Solo 401k and agree that it's easy and intuitive. My biggest annoyance is the lack of digital option to remove the fee-per-fund charge. Assuming you're putting a decent amount of money into it then $20/year isn't a big deal but it is more of a nuisance that I can't get around...
by MindTheGAAP
Mon Apr 24, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k recommendations?
Replies: 50
Views: 4207

Re: Solo 401k recommendations?

I am in the process of applying for a solo 401k at Vanguard. You do have to fill out paperwork but it took less than an hour (for both the employer and employee sides as well as reading through the downloadable material). I plan to use Vanguard just because I have everything else there. They charge...
by MindTheGAAP
Mon Apr 03, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 22241

Re: Social Security for Millennials

I forget that SS could even be an option for us when it comes to planning. I'm the sole breadwinner in the house so I plan using that as our baseline... that I need to figure out how to stash enough for us to be comfortable in the absence of SS, not in addition to. If I'm successful and we get some ...
by MindTheGAAP
Tue Mar 28, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor vs MLS Listing Service
Replies: 13
Views: 1305

Re: Realtor vs MLS Listing Service

We have used a (in Dallas) flat-fee listing service and they provided the sign and the lockbox to put on the door for realtors to use. We definitely walked away quids-in since my wife took better photos than a majority of estate agents and we figured out the price based on comparative sales in the a...
by MindTheGAAP
Thu Mar 23, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stay & remodel vs. Move - North Dallas
Replies: 25
Views: 1265

Re: Stay & remodel vs. Move - North Dallas

Texanbybirth wrote:So again, you're in a great position either way. This ain't a bad place to own a house no matter what. (Assuming you can afford it, which y'all obviously can.)

Let us know when you decide to move. :beer
Thanks for that!