Search found 254 matches

by MindTheGAAP
Sun Mar 25, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4880

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: 3837

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: 192
Views: 26145

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: 192
Views: 26145

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: 2670

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: 3759

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: 7205

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: 7205

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: 1793

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: 15579

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: 1971
Views: 366799

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: 233
Views: 39317

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: 233
Views: 39317

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: 7401
Views: 1553605

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: 7401
Views: 1553605

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: 7401
Views: 1553605

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 freefall
Replies: 7401
Views: 1553605

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 freefall
Replies: 7401
Views: 1553605

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: 5278

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 freefall
Replies: 7401
Views: 1553605

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 freefall
Replies: 7401
Views: 1553605

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: 3609

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: 9679

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: 9679

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: 9679

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: 10213

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: 5981

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: 9509

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'...
by MindTheGAAP
Thu Jan 18, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9509

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: 9509

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: 9509

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: 2974

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: 1676

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: 1676

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: 1676

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: 1676

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: 1676

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: 1676

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: 1676

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: 1676

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: 16566

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: 7599

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: 466

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: 1957

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: 1029

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: 6718

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: 296

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: 2067

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: 5950

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: 4188

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...