Search found 1837 matches

by Trev H
Fri Feb 17, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14741

Re: Why do you go to restaurants?

My wife and I like to eat out occasionally... usually do that once or twice a week, or on special occasions, like recently on Valentines Day.. I took her out to eat, Birthdays, etc... I can't go anywhere and buy a better cheeseburger than I can grill myself at home... and I could add a lot of stuff ...
by Trev H
Wed Feb 15, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 1711

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

A 50/50 mix of W & W gets you to a 50% Equity / 50% Bond mix. So you could just hold them in equal slices and add other bond fund components to tilt it back to more bonds. Something like a 50/50 mix of Total Bond and Tips would not be a bad idea for the additional bonds to add. For example 20% T...
by Trev H
Fri Feb 10, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2608

Re: How do Bogleheads buy phones?

I bought my last new phone a couple years ago... Black Friday sale - Samsung Galaxy S4. Best I remember I paid 249.99 for it back then.

It (STILL) does everything I need it to and more, and does it nicely. I use Straight Talk service.

Trev H
by Trev H
Wed Feb 08, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7297

Re: A Wellesley alternative

It may be an "alternative".... But I doubt seriously it will match the performance of Vanguards Wellesley Income fund. A few years back when I was really into crunching the data... I could not find any mix of vanguard funds with similar AA that matched the performance of Wellesley. It rock...
by Trev H
Thu Feb 02, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Value/Growth Split Question
Replies: 18
Views: 771

Re: Value/Growth Split Question

I found the old M* Xray tool and got these details for you. VLACX (Vanguards Large Cap Index - Large Blend) 29-20-25 06-05-05 00-00-00 A 50/50 mix of Vanguards Large Growth Index and Large Value Index 27-29-27 05-05-06 00-00-00 There is a little difference but not a whole lot and these numbers do sh...
by Trev H
Wed Feb 01, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Value/Growth Split Question
Replies: 18
Views: 771

Re: Value/Growth Split Question

If you have 50% Large Value and 50% Large Growth... then you basically have 100% Large Market (or Blend). You could just by 100% Large Cap Index or 500 Index and get that (in one fund) instead of 2. Personally I would not by a Growth component at all. A combination of US Large Market (Blend) and US ...
by Trev H
Thu Jan 26, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington long term details Vs Indexes
Replies: 13
Views: 1915

Re: Wellesley and Wellington long term details Vs Indexes

    Returns for W&W that I have saved... Wellington Fund 1930-2005 (21.21) (1930)    (26.43)    (1.82)    6.82    20.36    35.37    31.31    (35.41)    19.15    10.30    0.14    (3.91)    16.62    24.88    19.37    23.13    (2.38)    (3.46)    3.87    16.51    12.77    12.36    11.04    1.89    ...
by Trev H
Thu Jan 19, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Should I cut my Pine tree?
Replies: 24
Views: 2527

Re: Should I cut my Pine tree?

We have a HUGE OLD pine tree at our local park... it has no limbs for the first 40-50' but then the top is nice and green and healthy looking, lots of limbs and branches full of green pine needles. It has been there since I was a kid 45-50 years ago. I would say on it the top 1/3 of the tree has bra...
by Trev H
Sat Jan 14, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: 100% equities in Roth part of portfolio?
Replies: 19
Views: 2229

Re: 100% equities in Roth part of portfolio?

Here is the way that I currently have things setup... My Company Plan - Using a Target Retirement fund (TIAA-CREF) with 60/40 AA (best fund choice for this location). Wife's Company Plan - Using a Target Retirement fund (TRPrice) with 60/40 AA (best fund choice for this location). My Rollover IRA at...
by Trev H
Wed Jan 11, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6465

Re: Where do you keep your emergency fund?

I keep part in local brick and mortar bank. (this earns practically no interest). Part in Capitol One Online Savings Account (this pays .75 currently). Part in Taxable Account invested in Wellesley Income fund (about 1/3 of total or a little more since it has grown nicely)... I started the Wellesley...
by Trev H
Mon Jan 09, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: lazy portfolios 2016 update
Replies: 9
Views: 1371

Re: Financial Page: lazy portfolios 2016 update

CAGR....STDEV....Portfolio ======================== 7.59....12.22....Merriman 7.57....11.41....Wellington 7.51....11.11....Swenson 7.27....11.12....SUBH 7.24....11.06....Coffee House 6.87....05.86....Wellesley 6.80....12.13....Bernstein Coward 6.62....10.74....Core 4 6.36....11.15....3 Fund ========...
by Trev H
Mon Jan 09, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: lazy portfolios 2016 update
Replies: 9
Views: 1371

Re: Financial Page: lazy portfolios 2016 update

Sorry... I do not have the data for Merriman's portfolio... I did just check the data for Wellington and Wellesley and added them to the list below. CAGR....STDEV....Portfolio ======================== 7.57....11.41....Wellington 7.51....11.11....Swenson 7.24....11.06....Coffee House 6.87....05.86......
by Trev H
Mon Jan 09, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: lazy portfolios 2016 update
Replies: 9
Views: 1371

Re: Financial Page: lazy portfolios 2016 update

Of the portfolio's listed where stats for a 60/40 AA is included... below is how they rank by 15 year CAGR. CAGR....STDEV....Portfolio ======================== 7.51....11.11....Swenson 7.24....11.06....Coffee House 6.80....12.13....Bernstein Coward 6.62....10.74....Core 4 6.36....11.15....3 Fund ===...
by Trev H
Sat Jan 07, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Which stock index fund for gift to grandchildren
Replies: 25
Views: 1673

Re: Which stock index fund for gift to grandchildren

Looking at one fund diversified/balanced options at Vanguard... Listed by 10 year average annual return 6.89 Wellington 6.66 Wellesley 6.40 Balanced Index 5.27 TR 2050 5.27 TR 2045 5.26 TR 2040 4.69 LSMG 4.65 LSG 4.39 LSCG The past 10 years - a LOT happened, up's and downs, crashes, sideways, some p...
by Trev H
Fri Jan 06, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Choose 401k Funds
Replies: 7
Views: 445

Re: Help me Choose 401k Funds

Considering your choices... I would recommend something like this... 1/3 each to... Vanguard Institutional Index I VINIX Vanguard Small Cap Index I VSCIX American Funds Europacific Growth R6 RERGX That combination gives you 2/3 US Equity, 1/3 International Equity --- Also.. 2/3 Large Cap, 1/3 Small ...
by Trev H
Thu Dec 29, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17782

Re: frustrating to keep investing in international/EM

Regarding the info I posted showing the difference in returns for TSM and Total International 1970-2012... Someone said this... == Since adding up Trevor`s numbers the international gained in total 312.44 points while U.S. gained 305.14. John Bogle was right as usual. Both over the long term in this...
by Trev H
Wed Dec 28, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17782

Re: frustrating to keep investing in international/EM

11.80 (1970) -13.30 -19.30 -3.10 -3.90 3.40 24.30 -22.20 -25.00 18.30 10.20 -2.60 21.80 -2.50 -3.30 -24.40 -53.70 -23.10 -12.22 10.12 14.78 15.24 18.27 -28.23 -5.62 27.05 15.77 31.76 7.66 -6.11 5.04 9.18 -5.88 -8.99 -8.32 -9.59 -11.13 -10.03 7.06 -8.03 5.97 15.52 -1.89 (2012) I don't keep my return ...
by Trev H
Wed Dec 28, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7663

Re: How many of you invest 100% at Vanguard?

I am 55 and still working... got another 8 years or so to go. I have at Vanguard... Taxable, My Roth IRA, Her Roth IRA, a RollOver IRA, and two ESA's for my Kids. My wife and I both have investments in company plans... that will be rolled to Vanguard when we retire. The cost of our investments in co...
by Trev H
Mon Dec 26, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 213
Views: 22697

Re: How Much To Tilt To Small Value?

In my opinion... Equities should be split 50/50 US / International 50/50 Market / Value For example... 25% US Large Market (S&P 500 or Large Cap Index) do not use TSM here. 25% US Small Value 25% Internetional Value 25% International Small Market Simple, Global, 3 Factor Diversification - compon...
by Trev H
Sat Dec 17, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3217

Re: 4runner vs. Highlander?

3 years ago I bought my wife a 2007 Toyota Highlander (Burgundy color)- it had 67K miles on it, and we pad 12,500.00 for it. It has the straight 4 cylinder engine and it runs great, has plenty of power and gets 32 mpg hwy, 22 city. Love that high MPG. We have had no problems with it at all, except f...
by Trev H
Thu Dec 15, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 5572

Re: Branch from our tree fell on neighbor's house ??

This conversation makes me really appreciate country life... My house is in the middle of a 30 acre tract of land. I can't even see my neighbors house in the summer time.. but in the winter (when leaves are off) I can sort of make out his roofline way across the hollow there... You City folks live w...
by Trev H
Tue Nov 22, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 9367

Re: Owning a Chromebook

My wife needs a computer to access the internet, does some online shopping, email, facebook, etc...

They are perfect for that.

Cheap (compared to apple), work great, simple, well made, very VERY nice display.

She has been completely happy with it.

Trev H
by Trev H
Sun Sep 25, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 19
Views: 2400

Re: OTA Antenna

I live in a situation where my home is 55-60 miles from the broadcast stations in Nashville TN. So most of my channels come from one location at that distance. If you are like that, you need a good long range uni directional antenna. Search Amazon for Long Range UniDirectional TV antenna and you wil...
by Trev H
Sat Sep 03, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 4147

Re: Favorite Vegan Products

I grow my own tomatoes corn green beans potatoes squash strawberries blackberries apples peaches plum kale spinach chard beets parsley turnip greens... Highly recommend all those. On the animal side we harvest and eat deer squirrel turkey smallmouth bass largemouth bass black perch crappie bluegills...
by Trev H
Thu Aug 11, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 11541

Re: How much vacation time do you get at work?

I get... 16.0 hours Vacation accrual monthly 8.0 hours Sick Leave accrual monthly We also get 12 holidays + birthday off. I have been with this company a long time, so I am earning the max rate on those. I take my vacation days... family vacations, fishing trips, or just a day off to do something wi...
by Trev H
Wed Jul 06, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3969

Re: Where To Park Your Emergency Fund?

A little more history of Wellesley Income Fund. I have the annual returns since 1970 and from then until 2015 (46 years total), it had negative returns 6 times. 40 positive return years, 6 negative return years. The worst negative return was in the 2008 financial crisis -9.84% During the 1973, 1974 ...
by Trev H
Wed Jul 06, 2016 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3969

Re: Where To Park Your Emergency Fund?

jay22... on that tax bill... If I had that portion of my EF sitting in ally bank... my after tax return would be less than 1% Instead it has been in Wellesley Income... 5 Year Return - After Tax on Distributions, After Tax on Distributions and Fund Sales 8.11, 6.59, 5.93 10 Year Return - After Tax o...
by Trev H
Tue Jul 05, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3969

Re: Where To Park Your Emergency Fund?

jjface.. On that possible 20% loss you mentioned.... From 2001 - 2015 (the past 15 years) the wellesley income fund had one year with negative return.... 2008 -9.84 in the same year TSM (US Stock Market) had a -36.99 return. ALL of the other 14 years the total positive return for Wellesley income is...
by Trev H
Tue Jul 05, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 4098

Re: Anyone else make things for their own use?

If you count Growing Things... in there with Make Things... In my garden this year.. squash, tomatoes, sweet corn, potatoes, green beans, strawberries, blackberries, collard greens, turnip greens, spinach, chard, kale... In my orchard, plums, peaches, apples (no pears this year - dang fire blight). ...
by Trev H
Mon Jul 04, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3969

Re: Where To Park Your Emergency Fund?

1/2 in online savings account - capital one earning .75, available when ever I need it. 1/2 in taxable account, wellesley income, Ok with the volatility, and happy to see some earnings from this part of my EF. I have not touched the Wellesley portion since I started it (2011) and the yearly returns ...
by Trev H
Fri Jul 01, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13656

Re: How many of you have cut cord?

I cut the cord a few years back... will never go back. We pay for Hulu Plus and NetFlix and get a lot of other stuff free with our Roku Player including Youtube. I also have a ChromeBox hooked to my UHD TV so can use it as computer too. I installed a long range unidirectional tv antenna and we get a...
by Trev H
Mon Jun 27, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: I need a new mattress. Memory foam?
Replies: 53
Views: 3897

Re: I need a new mattress. Memory foam?

Back Pain, Neck Pain, shoulder Pain.... As I get older I have found that about the only place I can sleep and not end up with some kind of pain, is in my recliner, zero gravity position. Sleep great like that and completely eliminated my neck, back and shoulder pain. My advice is that if you really ...
by Trev H
Sun Jun 26, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11589

Re: Good Deal on a Pocket Pistol

I carry a Ruger LCP .380... It is a great every day carry pistol. A lot of folks will try to talk you into something bigger... my brother in law was carrying a glock 45 cal when I first started considering carrying... It is much bigger than the LCP 380, heavier, larger, bulkier.... I decided to get ...
by Trev H
Wed Jun 22, 2016 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Current Job for Another What to do with 401k?
Replies: 5
Views: 515

Re: Leaving Current Job for Another What to do with 401k?

The company that I work for was sold to another company in 2003... and I had retirement funds that I had to make this same decision on... I could have rolled it to the new company plan... but the expense ratio's on the investment options were very high (in the 1.5 - 2.0 range) on most funds. I looke...
by Trev H
Tue Jun 21, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to not till to 100% REIT or 100% small cap value stocks
Replies: 76
Views: 6038

Re: Reasons to not till to 100% REIT or 100% small cap value stocks

My Roth and My Wife's roth are 100% into REIT and Small Caps... One holds - International REIT / US Small Value The other - US REIT / International Small Cap If you look at correlations... US REIT and US Small Value have a much higher correlation than US REIT and International Small does. So to me i...
by Trev H
Mon Jun 20, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Hard to understand in percent for AA, any better alternative models out there ?
Replies: 22
Views: 1317

Re: Hard to understand in percent for AA, any better alternative models out there ?

Below is text from a online article that I found and saved many years ago... Trev H === A Longer-Lasting Portfolio To make your retirement portfolio last, follow this strategy devised by financial planner Frank Armstrong. 1. Divide your assets into three parts: cash, bonds, and stocks. 2. Keep one y...
by Trev H
Sat Jun 04, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account
Replies: 8
Views: 1185

Re: Taxable account

I use a 50/50 combo of US Total Stock Market Index and FTSE X-US International Large Cap index in taxable location. Don't think you can get much more tax efficient than that. And I pair that up with our Roth IRA accounts to satisfy my need to S&D. My Roth - 50/50 mix of US Small Value / Internat...
by Trev H
Sat Jun 04, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Any S&P 500 Lovers Out There?
Replies: 32
Views: 3326

Re: Any S&P 500 Lovers Out There?

Yes... I love US Large Caps with 25% of my Equity Heart :-)

Trev H
by Trev H
Fri May 27, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: Do you own Vanguard actively managed Equity funds?
Replies: 48
Views: 4761

Re: Do you own Vanguard actively managed Equity funds?

No imagination...just facts...

10 Year Returns from Vanguard Site

7.24% Wellesley
4.80% LSCG
7.10% Wellington
5.06% LSMG
5.43% The Target Retirement Fund with the highest 10 Year return (TR 2045).

Trev H
by Trev H
Wed May 11, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4948

Re: When do you use cash, when a credit card?

My wife and I each get a specific amount of cash, every two weeks on pay day. This is our misc / personal spending money and we do cash for that. Other than that, almost everything else is put on the card.... so we can collect the rewards points. A few misc things we will still write a check for... ...
by Trev H
Thu May 05, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 8363

Re: How many funds in your portfolio?

By Location... 50/50 mix of TSM / FTSE X-US (Taxable) TIAA Cref target date fund (His 403b) T.Rowe Price target date fund (Her 401k) Equal weighting of Large Cap Index, Small Value Index, International Value, FTSE X-US Small cap (60% Equity) + 40% Total Bond Market (His Rollover IRA). 50/50 mix of S...
by Trev H
Thu May 05, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: I'm now debt free and...
Replies: 37
Views: 5348

Re: I'm now debt free and...

I got there last June... when we paid off our Home Mortgage (our only debt at that point).

It is a great feeling.

And now I am maxing out Roth's, have increased my contribution to company retirement plan, and investing in taxable account.

Love it !

Trev H
by Trev H
Thu Apr 28, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3823

Re: Inherited property and family issues

CoAndy...

I agree with your suggestion, sell it and divide the proceeds 3 ways....

He will be very lucky if Mary accepts that as a solution.

Trev H
by Trev H
Thu Apr 28, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3823

Re: Inherited property and family issues

My advice would be to sell it and get out asap if you can. Went thru a similar situation with my Father leaving myself, and 3 other siblings as co-owners of property. All of you Fathers and Grandfathers out there... DO NOT DO THIS to your kids or grand kids. If you are going to leave them something ...
by Trev H
Sun Apr 24, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 348
Views: 68264

Re: Anyone regret paying off mortgage early?

Absolutely no regrets at all regarding paying off the mortgage. In my case I inherited a large chunk of timberland in 2004. I sold it last year. I immediately and without regret paid off my mortgage (absolutely 100% debt free at that point). I established a healthy 12 month emergency fund. 1 fully f...
by Trev H
Sat Apr 23, 2016 6:44 am
Forum: Investing - Theory, News & General
Topic: Is Coffeehouse Portfolio Not Preferred by BHs?
Replies: 54
Views: 6887

Re: Is Coffeehouse Portfolio Not Preferred by BHs?

You can greatly simplify the CH portfolio.. for example instead of holding equal parts of US Large Market US Large Value US Small Market US Small Value reduce that to a simple 50/50 mix of US Large Market US Small Value If you plot the returns those two different mixes (of US Equity) they are very m...
by Trev H
Fri Apr 01, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 6607

Re: Do you pay for yardwork?

jjface.. In response to your suggestion that I need to pay my son more. I mowed a large yard for my dad, with a push mower, and got paid beans and taters. My son rides a nice tractor mower, hardly even breaks a sweat, and gets paid 12.00-14.00 per hour + beans and taters... and someone thinks I am p...
by Trev H
Wed Mar 30, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 6607

Re: Do you pay for yardwork?

I have a 1.5 acre yard including garden and orchard area that has to be mowed too... raised garden beds that have to be mowed around, fruit trees, etc.. It takes me around 2.5 hours to do the whole thing with a 50" tractor type mower. I pay my 14 year old son, 40.00 for each mowing, if he does ...
by Trev H
Mon Mar 28, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons for =>80% stocks at =>40 y/o
Replies: 56
Views: 5116

Re: Reasons for =>80% stocks at =>40 y/o

I was at 100% equity until the past two years... currently 54 yo. The volatility never really bothered me at all. Several years ago I inherited a large tract of timberland, which was worth more than my total investment savings (in stocks)... I considered the timber and the land as a bond equivalent ...
by Trev H
Tue Mar 22, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3982

Re: How to get rid of poison ivy

Agree on the Roundup... I hate spraying the stuff... but I hate poison ivy even more. 6 years ago I had about 1/2 acre of a hillside just full of poison ivy. I sprayed it good and waited a month, then went back and sprayed any survivors good again... and now 6 years later it is still gone. Trev H

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