Search found 276 matches

by MindTheGAAP
Thu Jun 14, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Bidding for airline flight class upgrade
Replies: 9
Views: 1521

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: 1521

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: 436

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: 436

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: 436

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: 436

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: 1489

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: 7174

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: 15712

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: 2043
Views: 380481

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 4955

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: 3955

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: 213
Views: 31906

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: 213
Views: 31906

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: 2764

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: 3875

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: 7416

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: 7416

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: 1831

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: 15893

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: 2043
Views: 380481

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: 246
Views: 42809

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: 246
Views: 42809

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 free fall
Replies: 8814
Views: 1692927

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 free fall
Replies: 8814
Views: 1692927

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 free fall
Replies: 8814
Views: 1692927

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 9:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692927

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
Thu Feb 08, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692927

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
Thu Feb 08, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5401

Re: Who has had a pool?

Dallas Texas here - my inlaws put one in 6.5 years ago now and they absolutely love it. Granted we're in TX so you can use it often between April and October. We have 3 kids that love their pool (including their parents) and we live close enough (~200 yards) that we get plenty of use and access to i...
by MindTheGAAP
Mon Feb 05, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692927

Re: U.S. stocks in freefall

It's official. You dip-buyers stepping up or are you hiding under the covers?? STOCK ROUT IN FULL FORCE, DOW IN FREE FALL DOWN MORE THAN 1,000 POINTS Not enough of a drop to justify buying yet. We are only talking about 6-7% in a week. Not even at proper correction level. Wake me when it's at least...
by MindTheGAAP
Mon Feb 05, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1692927

Re: U.S. stocks in freefall

For someone 25-30 yrs from retirement, with <100k in 401k, with plans of maxing out 2 401ks starting later this year, am I crazy in thinking this is a good thing? You're not crazy for thinking it's a good thing for you , but you'd be gauche to talk about it too loudly. Agree with this. I put my mid...
by MindTheGAAP
Mon Jan 29, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Premium Persists
Replies: 27
Views: 3667

Re: Larry Swedroe: Size Premium Persists

The one fund I have that is Small Cap without a value tilt is the TM Vanguard Small Cap Admiral Fund (VTMSX) which is smaller in terms of Mkt Cap versus the regular Vanguard Small Cap fund (VSMAX). Hold it in my Roth but figure I'm fine with it regardless because it tracks the S&P600 and no other Va...
by MindTheGAAP
Thu Jan 25, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 113
Views: 9975

Re: Small Value Premium - How Do You View It?

To be fair, both of the funds in the chart above are blend funds. Didn't Larry Swedroe call small growth the black hole of investing?... Yes, he did. Leaving me to scratch my head at a) why people have invested $21.2 billion into the Vanguard Small-Cap Growth Fund--haven't they heard? b) why there'...
by MindTheGAAP
Mon Jan 22, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 113
Views: 9975

Re: Small Value Premium - How Do You View It?

- Negative: It's just random luck or an anomaly that it outperformed in the past. Large cap companies are more proven and deserve their heavier market weight status in Total Stock Market Index Fund. I tilt small/value but think this is a mis-characterization of total-market approaches. They don't '...
by MindTheGAAP
Mon Jan 22, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 113
Views: 9975

Re: Small Value Premium - How Do You View It?

I would say I'm probably neutral - not a fanatic but tilt to it somewhat with my portfolio - I'm no jhfenton!

15 15 15
09 09 08
11 10 08
by MindTheGAAP
Sat Jan 20, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 10448

Re: Post Your Morningstar Box Style

Welcome input:

15 15 15
09 09 08
11 10 08

60/40 split on Domestic/ Int’l Equities and 34% of Int’l is in EM
by MindTheGAAP
Fri Jan 19, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 6114

Re: Make me feel good about my bond allocation

A couple of weeks ago, after some reading, I decided to link the bond percentage in my portfolio to how I become closer to my retirement goal. The closer I become the more conservative I will be, regardless of my age. It makes more sense for me that way. YMMV though! That sounds real interesting! C...
by MindTheGAAP
Thu Jan 18, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9728

Re: Short Commute or Nicer House?

The main benefit of the suburban neighborhood, aside from the bigger and nicer house, would be the safety and the environment for the kids. It's a community filled with young families like us, which means it would be very easy to make friends, organize playdates, have people over for BBQs, etc. We'...