Search found 137 matches

by RevYoung
Tue Mar 21, 2017 1:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 319
Views: 17467

Re: Your USER NAME...what does it mean?

Motorcycling pastor with a last name that suits my current age (and forever spirit).
by RevYoung
Mon Mar 20, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3480

Re: What is your preferred Weather App?

The built-in Weather app gets its data from The Weather Channel which I find to be reliable in my area. I supplement it with Dark Sky for its notifications. I get a notification in the morning if it's going to be over 80°F or if rain is expected. Both are useful pieces of information to me as a moto...
by RevYoung
Wed Feb 24, 2016 4:36 am
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 99
Views: 13978

Re: Carry on luggage

My wife and I travel several times a month. We've been using eBags brand luggage (the same pieces) for years. Initially we both used this carry-on sized backpack: eBags eTech 2.0 Weekender Convertible http://i.imgur.com/vgqCq1n.png It is perfect for navigating airports (and narrow city streets) quic...
by RevYoung
Wed Feb 24, 2016 4:23 am
Forum: Personal Consumer Issues
Topic: Can EMT's and emergency rooms really read USB pendants?
Replies: 58
Views: 5388

Re: Can EMT's and emergency rooms really read USB pendants?

I have all the important information tattooed on my forehead. "Return to sender" 8-) In seriousness, I would trust something like a QR code more than a USB flash drive or phone which can suffer from a fall or water damage, or (in the case of the phone) run out of batteries. I joked, but a ...
by RevYoung
Wed Feb 03, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 105
Views: 13175

Re: How important is an international allocation?

Real estate is a lot more time and effort (if you are talking about owning, managing, renting, and leasing it directly). My Target Retirement fund costs me darn near nothing in time and effort. Real estate can be a great job, but many of us already have other jobs we are happy with. Following the Bo...
by RevYoung
Wed Feb 03, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 105
Views: 13175

Re: How important is an international allocation?

Indeed. “Using past performance numbers as a method for choosing mutual funds is such a lousy idea that mutual fund companies are required by law to tell you it is a lousy idea.” — Bill Schultheis This is what investing authorities (and the government) say about using past performance to pick mutual...
by RevYoung
Wed Jan 20, 2016 4:38 am
Forum: Investing - Help with Personal Investments
Topic: Company stock purchase plan
Replies: 14
Views: 1322

Re: Company stock purchase plan

Take the money and run. :beer
by RevYoung
Wed Jan 20, 2016 4:14 am
Forum: Investing - Help with Personal Investments
Topic: AA - Novice Questions
Replies: 8
Views: 632

Re: AA - Novice Questions

I have Taylor's list of anti-market timing quotes tattooed on my forehead. Market Timing Quotes collected by Taylor Larimore And before you ask, it's backwards, of course, so I can actually read it when I look in the mirror. What do you think I am, crazy? A couple of my favorites: "There are tw...
by RevYoung
Sun Jan 17, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1763
Views: 968022

Re: The Three-Fund Portfolio

As Taylor has reminded us in the past (no pun intended): “Using past performance numbers as a method for choosing mutual funds is such a lousy idea that mutual fund companies are required by law to tell you it is a lousy idea.” — Bill Schultheis That said, this sounds like a great "Wellington/W...
by RevYoung
Wed Jan 13, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Mutual funds or ETFs?]
Replies: 14
Views: 2296

Re: The Three-Fund Portfolio [Mutual funds or ETFs?]

Ah. My mistake was not verifying the actual funds represented by those tickers. Thank you, LadyGeek! Helpful as always. :beer With a 500 index and an extended market, you can simply use those in the second ratio listed in Approximating total stock market : 81% 500 index / 19% extended market http://...
by RevYoung
Mon Jan 11, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Mutual funds or ETFs?]
Replies: 14
Views: 2296

Re: The Three-Fund Portfolio [Mutual funds or ETFs?]

should the portfolio be held as 3 mutual funds or as 3 ETFs ? what is preferred? (assuming each can be held as ETFs) (Goal is long term, retirement) If you are buying and holding ETFs in the same manner one would purchase mutual funds (i.e. not trying to take advantage of their ability to be bought...
by RevYoung
Thu Dec 31, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 2610

Re: VPN Service, personal. suggestions.

Cloak is a phenomenal VPN. https://www.getcloak.com Extremely fast with user configurable endpoints across the globe, or you can just set "Fastest available". I don't think there is a VPN out there that is as simple to use. Just install the Mac + iOS apps, and it automatically enables the ...
by RevYoung
Thu Nov 12, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 10304

Re: How Many Credit Cards Do You Have?

Somewhere around 50 (for signup bonuses). Thankfully, I have them all on autopay, so I don't have to ever remember (or forget) to pay a bill. Most are not regularly used. I also LOVE Mint.com for tracking everything. I only have one website to check to see charges on all my cards. And Mint.com even ...
by RevYoung
Wed Nov 11, 2015 2:46 am
Forum: Personal Consumer Issues
Topic: Washing and Drying Clothing ?
Replies: 24
Views: 3574

Re: Washing and Drying Clothing ?

Wash everything in hot water. (Allergist says hot water is best for severe allergies.) It also seems to get "sport" smells out much better than cold water (with any detergent, and, yes, I tried the one you love too). Dry everything on low that doesn't get hung up. Hang dry everything that ...
by RevYoung
Thu Oct 29, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund investing
Replies: 41
Views: 4860

Re: Emergency fund investing

I have been investing half of mine. You may be interested to read:

Should I invest my emergency fund?

Currently, I am working on putting $15k into NetSpend FDIC insured at 5%:

The Finance Buff: NetSpend Prepaid Card + 5% Savings Account
by RevYoung
Thu Oct 29, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

Those numbers sure are enticing. I don't think I could stick with that, though. In fact, I'll probably end up sticking with my Target Retirement fund. Haha! We'll see. There is still plenty of time to consider other possibilities. I should probably read some other threads (or start a new one) about ...
by RevYoung
Thu Oct 29, 2015 1:19 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

RevYoung- You're still making the same mistakes. Just because the backrest happens get similar returns doesn't mean you are taking on the same risks as international. Do you really want to ignore the majority of the market? I go back and forth on that. I'm currently in international, but hearing Ja...
by RevYoung
Thu Oct 29, 2015 12:56 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1763
Views: 968022

Re: The Three Fund Portfolio

alant , you may be interested to read: How important is an international allocation? I've got international, but hearing Jack Bogle talk at Bogleheads got me thinking about it again: Why Bogle Doesn't 'Do' International Investing But, as Taylor said, it is probably better to discuss it further in a...
by RevYoung
Thu Oct 29, 2015 1:53 am
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

Thanks for the continued feedback, folks! I still can't get over how helpful the Bogleheads are. I'm sure you're all used to just being yourselves, but I hope I never stop appreciating it. Some of my favorite bits: In theoryland we talk about risk premia and certain types of risks being rewarded, bu...
by RevYoung
Wed Oct 28, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

This is really helpful. Thanks for all your input on this, folks. I am beginning to understand more about slicing and dicing and how each asset class affects the total picture. I'm (perhaps obviously) still learning, and sometimes I'm not sure I even know the right questions to ask (let alone the an...
by RevYoung
Tue Oct 27, 2015 10:03 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

I see what you did there.
by RevYoung
Tue Oct 27, 2015 9:02 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

Interesting post. I've been playing around with backtesting for quite some time and last year came up with my portfolio. Let's call it the Seersucker portfolio. I'm young with a long term investing horizon and don't mind volatility at this stage of the game. It's 25% LCB/MCB/SCB and EM. And yes, I ...
by RevYoung
Tue Oct 27, 2015 8:51 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

Have you considered starting with just a small tilt to both SCV and REITS to see how you stomach that? I had considered doing a small tilt to both and ended up stopping after the tilt to SCV. No reason. I just researched myself into a stupor and decided to stop after the SCV tilt. I might still con...
by RevYoung
Tue Oct 27, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

If you're lazy like me, check out the wiki of Bernstein and Ferry's expected returns charts - those will be as good an estimate as anyone else. It's not called the Crazy Lazy Portfolio for nothing. In fact, do you have a link? I'm too lazy to Google. :) Might you be referring to this, though? Bogle...
by RevYoung
Tue Oct 27, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

Seems to me that nisiprius hit the nail on its head (as usual). If you have doubts now about this strategy, you will have doubts next year and the year after. Hence it is very unlikely that you'll be able to stay the course for 30 years - or that anybody would. And this precise strategy would requi...
by RevYoung
Tue Oct 27, 2015 4:09 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

RevYoung, do your figures include costs? You said contributions of 20k/year. Would that be in a tax-deferred account? Good question. So far, everything is fitting into our Roth IRAs and 401ks. But taxable may become a consideration in the future. It's something that needs to be taken into account. ...
by RevYoung
Tue Oct 27, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

I like it, OP. As long as you can maintain absolute discipline and rebalance based upon your IPS, it's fine. As I evolve as an investor, I look at valuations right now when analyzing alternatives and pay little attention to past performance. The only thing past performance can be helpful for is to ...
by RevYoung
Tue Oct 27, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

But I wouldn't fear volatility in your position ... 10-15 years down the line, when your capital feels much larger - and your contributions start to feel like drops in the ocean - then you might want to start protecting what you've got a bit more ... I've got a very conservative portfolio now, but ...
by RevYoung
Tue Oct 27, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

In my personal opinion, a) I sure wouldn't do it myself, but b) it's hardly "crazy." After looking at the data through your lens, I am beginning to see that it's less crazy than I initially thought (although a third each to SCV and REIT is quite the tilt). The data seems to indicate that ...
by RevYoung
Tue Oct 27, 2015 1:08 am
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

What you are seeing with your back testing is similar to what Paul Merriman has seen and discussed. Higher return with less volatility. This has been the effect of asset class diversification. This article may be of interest. The Ultimate Buy and Hold Strategy 2014 and this Ultimate Buy and Hold - ...
by RevYoung
Tue Oct 27, 2015 12:28 am
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

As far as I can tell, the periods where it underperformed, the difference was not very much. Yet the periods where it outperforms, it outperforms by a decent amount. Again, past performance, but that's what I am seeing in the charts.
by RevYoung
Mon Oct 26, 2015 11:13 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

As part of the process for building my portfolio, I back-tested it to see how it did during different periods in the past. I wanted to see how it handled high inflation in the 70s, how it handled the dot com boom and crash and how it handled the latest financial crisis. Against these same periods, ...
by RevYoung
Mon Oct 26, 2015 11:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Bogleheads Conference 2015!
Replies: 49
Views: 5711

Re: Thank you Bogleheads Conference 2015!

LadyGeek wrote:^^^ Don't forget your wife. You mean the next to last spot. :)

I really need to work on my math if I expect to pass for a Boglehead. :mrgreen:
by RevYoung
Mon Oct 26, 2015 10:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Bogleheads Conference 2015!
Replies: 49
Views: 5711

Re: Thank you Bogleheads Conference 2015!

We live in Harrisburg and I just learned about thes annual conferences. Sad to have just missed this yeas but will try my best to attend 2016! What's the best way to stay up-to-date with info on these? I normally make the official announcement here on the forum on or about March 1st. This year, we ...
by RevYoung
Mon Oct 26, 2015 10:25 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

If 33% of your portfolio was in REITs and you used just Vanguard's VGSLX, based on recent holdings, almost 2.75% of your portfolio would be in Simon Property Group Inc.*, whose own holdings are dominated by malls, shopping centers, and outlets. Indeed, 24% of VGSLX is made up of retail REITs. Would...
by RevYoung
Mon Oct 26, 2015 10:22 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

As to the question, there are many peculiarities of the period that may or may not persist going forward. … That's why not everyone does it. You make some very good points! I have to keep reminding myself about past performance not indicating future results. I should really just stop looking at bac...
by RevYoung
Mon Oct 26, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Past performance

I really want to either learn why this is a horrible idea or why everyone isn't doing something like this. RevYoung: Jack Bogle has your answer: "The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future." Best wishes. Taylor I guess that...
by RevYoung
Mon Oct 26, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

For those confused by the high returns, the results include investment contributions throughout. Note the extra IRR column. Indeed. You hit the nail on the head. I figured it would be more realistic if I actually threw in $20,000 a year and rebalanced annually. Here are the complete inputs I used. ...
by RevYoung
Mon Oct 26, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 5993

Crazy Lazy Portfolio - TSM/REIT/SCV

Something has come over me. I've been backtesting way too much, and it's starting to make me think crazy thoughts. My wife and I are in a Target Retirement fund at the moment, but we are getting to the point where Admiral Shares and tax-efficient fund placement are considerations for us, so we are r...
by RevYoung
Sun Oct 25, 2015 9:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2015 Bogleheads Conference Message from Jack Bogle
Replies: 29
Views: 5803

Re: 2015 Bogleheads Conference Message from Jack Bogle

Dear Bogleheads, Here is a link to the pictures I took @ BH 2015. Enjoy! You may also access it via the Wiki, under "About the Bogleheads", upper right area...the Bogleheads Conferences...Bogleheads 14- Philadelphia...Picture Albums https://picasaweb.google.com/108981735637005715238/Bogle...
by RevYoung
Fri Oct 23, 2015 2:48 am
Forum: Local Chapters and Bogleheads Community
Topic: 2015 Bogleheads Conference Message from Jack Bogle
Replies: 29
Views: 5803

Re: 2015 Bogleheads Conference Message from Jack Bogle

Mr. Bogle, Like nearly everyone else here, you have forever changed my life for the better. Although someone may be able to determine how much money you have saved investors over the years, your total impact on this world is incalculable. It was an honor to be the first person to request that you si...
by RevYoung
Fri Oct 09, 2015 12:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2015 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 19
Views: 3214

Re: 2015 Annual Conference Bogleheads Vegans & Vegetarians

More on topic, Bogleheads participating in this event should avoid drinking. I just saw this today (Apparently 1 in 3 vegetarians eat meat when intoxicated): http://www.usatoday.com/story/news/nation-now/2015/10/08/survey-vegetarians-secretly-eat-meat-drunk/73583378/ Sounds like they aren't vegetar...
by RevYoung
Mon Oct 05, 2015 1:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2015 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 19
Views: 3214

Re: 2015 Annual Conference Bogleheads Vegans & Vegetarians

Hello All, Well the conference is just a little over a week away now. We are planning to get together for dinner on Wednesday night. I will have a rental car and the hotel has a shuttle we can use. As a reminder, please don't mention the hotel name or any restaurant names in your posts. This is per...
by RevYoung
Thu Sep 10, 2015 9:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

Re: Bogleheads Los Angeles meetings

I still won't be able to attend this one (though it disappoints me greatly), so I don't have a horse in this particular race. However, I go to Kayndave's pretty regularly and don't have a problem with the noise level. I never sit inside, though. I think it is much louder inside. There is a big fire ...
by RevYoung
Thu Sep 03, 2015 7:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

Re: Bogleheads Los Angeles meetings

EyeYield wrote:We can always rebalance.

That's the ticket. :beer
by RevYoung
Thu Sep 03, 2015 12:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

Re: Bogleheads Los Angeles meetings

Current list of attendees for anyone else wishing to take the reigns:

2015
46sky
Apxeolog
FullYellowJacket
jrtexas
Philip_Marlowe
santigold
sarala
telcodenizen
triceratop
yakkeryak3

Looks like 11 (not counting myself, as I am unable to attend).
by RevYoung
Thu Sep 03, 2015 12:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

Re: Bogleheads Los Angeles meetings

Eating and drinking at a popular, loud, restaurant on a Saturday night sounds like good fun, but not a very good environment for a meeting, in my opinion. There's no reservations at this place and no rooms available for private parties. How are over 14 people supposed to be together? When we were o...
by RevYoung
Mon Aug 31, 2015 8:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

Re: Bogleheads Los Angeles meetings

Don't they have a private meeting room? I thought I read about one in the Yelp reviews. Maybe it would be a good idea to book the restaurant's room regardless of where we end up, no? I'm out of the country until later in the week, but I can call when I return if no one else has a chance to do so so...
by RevYoung
Sat Aug 29, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1763
Views: 968022

Re: The Three Fund Portfolio

People's opinion's change — even from one day to another. They are not "three-funders". They are investors. The quotes are still good (and, in my opinion, true), but even some staunch believers abandon their faith (and vice versa). My main takeaway is that it's hard to beat the three fund ...
by RevYoung
Fri Aug 28, 2015 11:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

Re: Bogleheads Los Angeles meetings

triceratop wrote:I will attend.

Edited post above to add you to the list. :beer

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