Search found 1830 matches

by Trev H
Thu Jan 19, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Should I cut my Pine tree?
Replies: 18
Views: 1600

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: 2131

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: 6066

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: 1308

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: 1308

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: 1308

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: 1608

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: 415

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: 17486

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: 17486

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: 7284

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: 152
Views: 15596

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: 3125

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: 5494

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: 8970

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: 2356

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: 3992

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: 11266

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: 3891

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: 3891

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: 3891

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: 3993

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: 3891

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: 13432

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: 3812

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: 11437

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: 504

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: 5971

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: 1309

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: 1183

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: 3302

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: 4727

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: 4900

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: 8125

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: 5319

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: 3794

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: 3794

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: 66779

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: 6783

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: 6559

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: 6559

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: 5070

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: 3942

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
by Trev H
Tue Mar 22, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your allowance?
Replies: 40
Views: 4290

Re: How much is your allowance?

My wife gets paid every 2 weeks... and we take 200.00 from her check for our personal spending money... 100.00 each every two weeks. My wife spends all of hers every two weeks... but mine accumulates... then I buy a kayak, accumulates more, new rod and reel... etc... Now year ago when we were not so...
by Trev H
Tue Mar 22, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3902

Re: Dishwasher recommendation.

We built a new home in 2001 and had a GE dishwasher installed... it lasted 12 years and died. It did a good job while it lasted - clean dishes.... no complaints. We replaced it with a WhirlPool Gold Series we got from Lowe's (around 600.00 best I remember)... It uses less water, saves energy, blah, ...
by Trev H
Thu Mar 10, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 9227

Re: Help with an adults only all-inclusive

The wife and I celebrated 25 years last October... with a Trip to Playa del Carmen Mexico (just south of Cancun). We stayed at "The Royal" and were very pleased. Trev H https://www.google.com/search?q=the+royal+playa+del+carmen&tbm=isch&tbo=u&source=univ&sa=X&ved=0ahUKE...
by Trev H
Mon Feb 15, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 16274

Re: Guns for hunting/defense

Avid hunter here... from a long family line of avid hunters.... and fishermen... My collection of Hunting shotguns / rifles includes... Remington woodsmaster .308 semi auto - passed down from my Grandfather to me. My son currently deer hunts with this one. It has a 3x9 scope. He has killed 5 deer wi...
by Trev H
Sat Jan 30, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: How do I move my work 401k?
Replies: 14
Views: 1141

Re: How do I move my work 401k?

In 2003 the company I worked for (since 1988) was bought by another larger company. I had a 401K with a chunk of change in it... I had opitons.. 1... I could have rolled it over to the new company retirement plan and I considered that. The average ER of the funds in the new company plan was like 1.2...
by Trev H
Tue Jan 26, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2600

Re: Best Netflix/YouTube interface for the Big Screen?

We currently use a Roku 3 streaming device... which we really like. I recently bought a new 4K Vizio 55" Smart TV which of course has built in streaming... but it just fell way short of the Roku experience. I quit using the built in streaming and hooked the Roku 3 back up. Love it. They have a ...
by Trev H
Tue Jan 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 6097

Re: What online Email do you use

Gmail...

Been using it for several years now... no complaints.

Trev H

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