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Re: International investing. A good call by our mentor.

Prior to 1990 no doubt there were several so called investment guru's in Japan recommending ... why by anything but Nikkei.

Hmmm.. there is no need to diversify... well... until there is a need to diversify.

Trev H
by Trev H
Thu Jul 31, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 50
Views: 4037

Re: Help me select a streaming media device

We have a Roku 3 and pay for NetFlix and Hulu Plus and get lots of other free channels on roku. Love it. I also have a over the air, long range uni directional digital tv antenna, and get 23 channels that way (Free). Many of those are HD - great picture and sound. Dropped Dish Network back in April ...
by Trev H
Wed Jul 23, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1795

Re: Slice and Dicers -- Plans when you can't manage it anymo

My wife would... collect my term life payout and sell our big house and 220 acres of land (out in the country) and get her a small place in town - completely paid for and have quite a bit of cash to invest. roll my company plan assets (S&D portfolio) to vanguard IRA - invest it in Wellesley Inco...
by Trev H
Tue Jul 22, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2275

Re: If you own a car, do you have a car payment?

The wife and I have not had a car payment since around 1998. I bought a new Truck in 1995 and paid it off... and decided that would be the end of car payments. We have bought a few vehicles since then but save up cash, sell the old one, and buy a good used vehicle. Not sure you really qualify as a b...
by Trev H
Fri Jul 18, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7310

Re: [Poll] % of 3 funds in your financial asset portfolio?

Less than 25% for me...

At this point in the poll... I'm in the majority :-)

Doubt it will end that way with all of the 3 funders on this board.

Trev H
by Trev H
Fri Jul 18, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1692

Re: Garden 2014

We canned our first batch of tomatoes this week.. Been eating red ripe tomatoes for about 3 weeks now. A couple of my favorites... Heirloom (Brandywine) excellent taste, Hybrid (Big Beef) heavy producer with good taste. My sweet corn (ambrosia) is starting to fill out nicely now, we had a few ears f...
by Trev H
Wed Jul 09, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4449

Re: Do Wellesley's Equities Outperform?

cfs, I don't keep up with the data anymore... but anyone can compare the 5 and 10 year returns of Wellesley to other balanced funds available at Vanguard (made up of index components) with similar AA and tell that Wellesley kicks some tale. Wellesley - 5 year (11.89), 10 year (7.68) LS Income - 5 ye...
by Trev H
Thu Jul 03, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4821

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

In between Lumper and SVIT... you have the SUBH.

Simplified Ultimate Buy & Hold.

IMO both Lumper and SVIT are extreme tilts. With one you are betting it all on Large Caps, and the other SV.

SUBH is a meet in the middle type compromise that does not place extreme bets on either end.

Trev H
by Trev H
Thu Jun 26, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6644

Re: Home Country Bias

longinvest...

Get yourself some CSM and CBM and call it quits :-)

It's all you really need.

Oh.. wait a minute - Home County Bias is only Ok if you are a US Citizen.

Trev H
by Trev H
Tue Jun 24, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 47
Views: 2637

Re: Worst year of any fund?

Asset Class Returns from 1970-2009 (In CSV format). You can easily copy and past that into Excel and do what ever you want... Year,TSM ,LV ,LB ,LG ,MV ,MB ,MG ,SV ,SB ,SG ,D10 ,REIT ,ILV ,ILB ,ISV,ISB ,COMM ,GLD,TIPS ,LTT ,ITT ,STT ,ITB ,TBILL Year,VTSMX,VIVAX,VFINX,VIGRX,VMVIX,VIMSX,VMGIX,VISVX,NAE...
by Trev H
Sat Jun 21, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Worst year of any fund?
Replies: 4
Views: 785

Re: Vanguard Equity Income Fund

What you have (below) is not a bad mix... 45% Vanguard Total Stock Market 25% Vanguard Equity Income 20% Vanguard Total International Stock 10% Vanguard Total Bond I would change it to... 22.5% 500 Index 22.5% Small Value Index 22.5% Total International Index 22.5% FTSE X-US Small Cap Index 10% Tota...
by Trev H
Sat Jun 21, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Equity Income Fund
Replies: 4
Views: 956

Re: cable cutting questions

I finally cut the cord (or Dish)... dropped Dish Network back in March. We have a Roku 3, and a long range uni-directional (over the air) digital tv antenna + signal booster (what is needed at my location considering distance and direction to available stations)... We get 23 channels (all the locals...
by Trev H
Fri May 23, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4987

Re: Does a small value tilt reduce porfolio volatility?

My equity is setup 25% US Large Cap, 25% US Small Value, 25% International Large Value, 25% International Small Cap. I never even notice the volatility. If you are one to worry about volatility... the first place you should consider is your stock/bond allocation. That has much more impact on volatil...
by Trev H
Fri May 23, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Does a small value tilt reduce porfolio volatility?
Replies: 53
Views: 3302

Re: Cutting ties with Cable

We live out in the country... no cable available... but we have had either Dish Network or Direct TV the past 15 years or so. I cut the cord on that just a couple of months ago. We have DSL internet service and have a Roku 3 streamer... we get lots of free channels there, including youtube... and ha...
by Trev H
Thu Apr 03, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 3162

Re: Vanguard Stock Funds - Value vs Growth? Large vs Small?

Until you have read enough and know exactly what you want to do... would suggest... Pick the Target Retirement fund that gets you that 80/20 AA and stick with it. Another option.. 40% Total Stock market index 40% Total International index 20% Total Bond index. If you look into slice and dice and dec...
by Trev H
Fri Mar 28, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Stock Funds - Value vs Growth? Large vs Small?
Replies: 12
Views: 1126

Re: SCV: has the small or the value kinda fallen out of favo

My advice...

Quit worrying about which will perform best and simply own heafty portions of both.

Trev H
by Trev H
Thu Mar 27, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: SCV: has the small or the value kinda fallen out of favor??
Replies: 28
Views: 2274

Re: Higher Returns at Lower Risk - please comment

On the Small Value... One thing I am absolutely sure of... SV will outperform the Large Market... and then the Large Market will outperform SV. You can say the same of US and International. No one knows for sure which component will be the best best for the next X # years. That is absolutely true......
by Trev H
Thu Mar 20, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Higher Returns at Lower Risk - please comment
Replies: 59
Views: 6506

Re: Do you balance your checking account?

Can't believe that almost half of those who responded do not balance their checking account...

Call me old fashioned... but I get paid on the 15th and end of month... and I balance/reconcile each time before I pay bills for the period.

Trev H
by Trev H
Tue Feb 18, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5193

Re: Going all into Emerging Markets

I think a better approach (diversification wise, and correlation play wise) would be to split that up 50/50 - EM and US Small Value.

Would go with EM Small Value instead of just EM if you are really wanting the highest possible expected return.

Trev H
by Trev H
Fri Feb 07, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 6104

Re: Which of these two funds would you buy? And why?

While I can agree with RyeWhiskey on all his points... Wellesley is worth consideration... probably one of the best low cost managed funds at Vanguard. Very hard to beat performance wise for the mix of assets. With admiral shares there is very little difference in cost either... LSCG cost .15 and We...
by Trev H
Sat Jan 25, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Which of these two funds would you buy? And why?
Replies: 12
Views: 1212

Re: 100% Stock Portfolio in Small Cap Value??

I am a boglehead... Never owned TSM so that sort of thinking does not apply to all of us. I personally think 100% TSM is a HUGE bet on Large Caps... and 100% SV would be the same... I choose to split my US equity 50% Large cap index, 50% SV and personally think this is an ideal mix. I split my Inter...
by Trev H
Thu Jan 09, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio in Small Cap Value??
Replies: 42
Views: 3834

Re: Small-Cap Value vs. Small-Cap Growth?

Hey Folks... I not really into crunching the numbers anymore but do still have some of my old spreadsheets and I updated them with the data below this morning. Investor Share Class Returns for TSM, 500 index, SV and SG funds 1999 (first full year) thru 10/11/2013. Taylor was presenting a comparison ...
by Trev H
Sat Oct 12, 2013 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Small-Cap Value vs. Small-Cap Growth?
Replies: 113
Views: 10166

Re: Help me save on my $130 cell phone bill

On the comment below... "You either have Verison's network or you have a paperweight. That's the trade-off you have w/ this pre-paid service." We tried Verison - and in our area it really STUNK. Quit and changed after 2 months service. Call quality was poor, calls dropped, wife could not e...
by Trev H
Sun Sep 15, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3765

Re: Hobby or Self-Employment on Income Tax Return?

I hunt Ginseng each fall, collect the roots, wash and dry them and sell them. I keep some nice roots for my own personal use (seasonal alergy, colds, flue - NO more) usually end up selling a few pounds to a ginseng dealer. In a really good year I may end up selling 2000-3000.00 of dry seng. "ca...
by Trev H
Sun Sep 15, 2013 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Hobby or Self-Employment on Income Tax Return?
Replies: 17
Views: 1556

Re: Help me save on my $130 cell phone bill

My wife uses Straight Talk's unlimited plan - 45.00/mo (with taxes and fees - actually right around 50.00 monthly). She has a nice android phone, but you can do this with iPhone too. Me - tracfone - it's all I need, and I spend less than 200.00 a year for my service. So for the both of us, right aro...
by Trev H
Sat Sep 14, 2013 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3765

Re: Updated figures and results on slice and dice vs TSM

17.5% VTRIX, 17.5% VFSVX, 17.5% VFINX, 17.5% VISVX...

My Equity allocation exactly... except I use Large Cap Index instead of 500 Index.

Get a few more of Mel"s unloved mid-caps that way :-)

Trev H
by Trev H
Fri Sep 13, 2013 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 39200

Re: How Much Did You Spend on Your Engagement Ring??

I got married in 1990 and paid real close to 5% my annual salary for my wife's ring - a 3/4 carot diamond solitaire, nice and clear. I agree with others that paying 1/3 annual salary seems like way to much but if you are very wealthy that changes things a bit. I was not, she was not, and we were bot...
by Trev H
Sat Sep 07, 2013 11:49 am
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20284

Re: How Do I Choose Funds?

You could simplify the equity by doing this... US Stocks 52.00% Large Cap Index 28.00% Small Cap Index 16.00% Real Estate 8.00% International Stocks 23.00% FTSE X-US Large Cap (includes EM Large) 15.00% FTSE X-US Small Cap (includes EM Small) 8.00% Simplicity is something you will learn to appreciat...
by Trev H
Thu Aug 01, 2013 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: How Do I Choose Funds?
Replies: 16
Views: 1491

Re: Poll for tilters: how does Small Value fit into your AA?

I marked as a % of equities, but could have also marked % of us equities.

My equities are a simple 4 x 25% split between US Large Market, US Small Value, International Large Value, International Small Market.

Trev H
by Trev H
Thu Jul 25, 2013 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll for tilters: how does Small Value fit into your AA?
Replies: 32
Views: 1581

Re: Saving money on car repairs

Go to http://www.youtube.com You can go there and search on just about any minor to some fairly major auto repair issues on your specific vehicle and there will be someone on there showing you how to do it via Video. Picture is worth a thousand words... A Video of someone showing you how to change t...
by Trev H
Tue Jul 09, 2013 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Saving money on car repairs
Replies: 25
Views: 2524

Re: Which is the best "Lazy Portfolio" - and do you follow t

The best lazy portfolio is (of course) the one I use :-) Equity 25% Each, US Large Market, US Small Market, International Large Value, International Small Market Bonds 50% Each, TIPS, InterTerm Treasury The name for the above portfolio is the Simplified Ultimate Buy and Hold For someone that wants e...
by Trev H
Tue Jul 09, 2013 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8027

Re: Employer 401 k choices

If this is true.. "They have no knowledge of investment terms and I don't believe they will want to learn." They should really just stick with the TR fund based on their planned retirement date. If they ever do get interested and learn... and decide they want to change things up some - no ...
by Trev H
Sat Jul 06, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401 k choices
Replies: 11
Views: 557

Re: Foreign stocks as a % of your stock asset allocation

The right answer is to keep it simple, yet diversify globally, and include 3 factor diversification (hold Market, Size and Price). 25% Large Cap Index 25% Small Value Index 25% International Value (Intl Large Value including EM LV) 25% FTSE X-US (Intl Small Market including EM Small) That's how I do...
by Trev H
Sat Jul 06, 2013 7:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5541

Re: Page Plus Versus Republic Wireless - Who's Better?

We tried Page Plus, bought a phone direce from them, and kept it one month and part of the next, moved to Straight Talk before second months billing with PP. The voice quality was bad for us on PP, lots of dropped calls, and my wife and daughter could not even text each other (wife had PP, daughter ...
by Trev H
Fri Jul 05, 2013 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3752

Re: Will the Small-Value premium persist over 40 years?

Boggler, Below is a link to a old post of mine from a few years ago. Several comparisons of Lumping vs Splitting and on page 3 comparisons on 5 and 10 year CAGR's from 1927 forward to that point 2009. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=38374&start=100 I use a very simple sl...
by Trev H
Fri Jul 05, 2013 7:03 am
 
Forum: Investing - Theory, News & General
Topic: Will the Small-Value premium persist over 40 years?
Replies: 73
Views: 6087

Re: [Poll] What's Your Current Mode of Camping?

As as Kid my family did some camping. My Dad had one of those Camper Tops that sit on the back of a Truck. It had a small kitchen, and a bed below and bunk beds over the top of the cab area. It was a lot of fun as a kid. As a teenager and young adult I camped some in a tent, doing a long weekend at ...
by Trev H
Fri Jun 28, 2013 5:31 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6686

Re: 25 years today (how long u been on the job ???)

greenspam... I started working at my current employer June 1988 (very close to your start date). Married my one and only wife May 1990. Bought my first and probably only new vehicle in Oct 1994 (ordered a new 1995 model) and still driving it. I like to stick with things that are good anyway. PS... a...
by Trev H
Fri Jun 28, 2013 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5838

Re: Vanguard - Increasing International Equity %

I think 50/50 is ideal... and looks like eventually Vanguard will agree with me :-)

Trev H
by Trev H
Sun Jun 16, 2013 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Increasing International Equity %
Replies: 61
Views: 6455

Re: Isn't Tilt or splice and dice = active mngmnt?

To me slice/dice is much more about diversification.. I get what I want of the Market, then Size and Price and do that in a Global way too. I don't tilt here one day and there the next - my slices are hefty enough to make a difference, and I maintain them by rebalancing yearly. If all you hold is th...
by Trev H
Thu Jun 13, 2013 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Isn't Tilt or splice and dice = active mngmnt?
Replies: 58
Views: 2303

Re: Dave Ramsey Defends his Investing Advice - Again!

I enjoy listening to his show more than the average talk show anyway.

Its amazing how BAD of financial shape some folks are in ... to the point of being somewhat entertaining :-)

Always laugh at his 12% statement... yeah about right for SV or ISV but not the Market in general.

Trev H
by Trev H
Tue Jun 11, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends his Investing Advice - Again!
Replies: 106
Views: 14412

Re: The Boglehead Car -- What is It?

To start off with... I have not had a car payment since 1999 :-) Me --- I bought a new 1995 Chevy Ext Cab 4x4 Truck and it still does all I need it to and I am still driving it. It still runs great. My Wife - we paid cash for a 2001 Chevy Venture mini van something like 8 years ago and she is still ...
by Trev H
Tue Jun 04, 2013 7:05 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 11392

Re: 100% equities, anyone?

Considering Cash (other than immediate spending needs)... My emergency fund is (4 months) in cash - some at local bank (2 months), then another 2 months in a web bank (earns a bit higher interest) then my last 2 months is actually invested in Wellesley Income fund at Vanguard. My 403b and rollover I...
by Trev H
Mon May 13, 2013 7:30 am
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 9831

Re: Deciding How Much to put in International

#1 thing to consider is diversification... Vanguards Total World fund breaks it down like this: 10.6 Emerging Markets 22.6 Europe 15.2 Pacific 0.30 Middle East 51.3 North America (good old USA and Canada). I would suggest somewhere around 50% In US Equities (Max). Anything more than that and you are...
by Trev H
Thu May 09, 2013 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 59
Views: 5561

Re: Laundry Detergent Issues

== Dulocracy wrote: To save money, my wife makes our detergent. Her recipe is: 1 cup Borax 1 bar Fels Naptha 1 cup washing soda use a tablespoon per load (2 for extra large or dirty loads) == My wife does this and makes a huge (5 gal bucket) of the stuff, then she pours it into gal jugs for easier u...
by Trev H
Sun May 05, 2013 7:54 am
 
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues
Replies: 71
Views: 5604

Re: Checking accounts with money back?

Dave Ramsey recommends the perkstreet debit card...

Details below:

http://www.perkstreet.com/account_home. ... ramsey-HI6

Trev H
by Trev H
Sat Apr 27, 2013 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Checking accounts with money back?
Replies: 3
Views: 497

Re: Poll: How many $100 dinners out per year?

I marked "0"... We love to go out and eat and usually do that a couple times a week. There is no place in my small country home town where you can drop that kind of cash for a meal for two. About the worst damage you can do is 50-60 bucks (including tip). Now we can drive 60-70 miles to an...
by Trev H
Tue Apr 16, 2013 6:01 am
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 9556

Re: 100% stock portfolio

Scooter57.. Historical stock returns are just that... What you could not do in 1929 is not really relevant to what he can do today going forward. Stocks may not return what they did in that timeframe, in fact probably will not, and his cost going forward will sure be much less than it was in the pas...
by Trev H
Mon Apr 08, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% stock portfolio
Replies: 66
Views: 5965

Re: Total Stock Market Fund or Total International Fund?

Brian... There is really no way to know what is going to do best the next few quarters, years, etc... Most of the time when you place that bet you are going to end up wrong. Your best bet is to simply diversify and stay the course (rebalancing occasionally)... I would suggest you consider a US / Int...
by Trev H
Sun Apr 07, 2013 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3459

Re: Should my wife keep working or become a stay-at-home mom

When I was in my late 30's was in very similar shape to you... We had our daughter 5 yrs old and had just had our second (a son)... and while my wife was on maternity leave we looked hard at her staying at home after her leave and decided to do it. My wife works as a Radiation Therapists and makes g...
by Trev H
Sun Apr 07, 2013 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8316

Re: Total Stock Market Fund or Total International Fund?

Adding asset classes, 1 component at a time... building a S&D Portfolio Yr 1 = FTSE X-US International Small Market Yr 2 = US Small Value Index Yr 3 = Total International Index Yr 4 = US Large Cap Index When ready for bonds... add... InterTerm Treasury Bonds TIPS If you are going to be a Lumper ...
by Trev H
Sun Apr 07, 2013 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3459
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