Search found 1783 matches

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: 764

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: 1637

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: 4843

Re: What online Email do you use

Gmail...

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

Trev H
by Trev H
Sat Jan 16, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4625

Re: What's your company 401k contribution

My company puts in 3% even if the employee does not contribute...

If the employee contributes up to 3% they will match that.

So... I put in 3%, they put in 6%.

Happy with that.

Trev H
by Trev H
Sat Jan 16, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10647

Re: Who's buyin' today?

I helped my Sister invest 6500.00 in her Roth IRA last evening... and 10K in her taxable account. I purchased US Small Value Index and Global ex-US REIT index in my Roth IRA. and purchased US REIT index and FTSE X-US Small Cap index in my Wife's Roth IRA. Going for diversification in my Roth locatio...
by Trev H
Tue Jan 12, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2015
Replies: 34
Views: 3484

Re: TaxAct 2015

See the link below... http://blog.turbotax.intuit.com/uncategorized/an-apology-to-our-turbotax-desktop-customers-18817/ I purchased the same download version of TT as I had used the past 5-6 years... and my tax situation had not changed any (nothing extra than the previous years)... And when I was a...
by Trev H
Mon Jan 11, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2015
Replies: 34
Views: 3484

Re: TaxAct 2015

I have been a TurboTax user for many years... Last year they screwed me over (and thousands of others)... so I am trying to decide on another Vendor and considering TaxAct. One thing I was dreading was having to key all data into a new app... (rather than it transferring from prev year)... Looks lik...
by Trev H
Tue Jan 05, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 113
Views: 9707

Re: profitable hobby?

I am an outdoorsman... enjoy hunting, fishing, gardening, etc... Each year in the fall, I hunt Ginseng. Season opens Sept 1 here in TN. You collect the roots off mature plants, wash and dry them, and sell to a registered dealer later on (usually around Thanksgiving). The price varies by year and mar...
by Trev H
Sun Dec 20, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Bought a 2009 Prius and now....
Replies: 28
Views: 3337

Re: Bought a 2009 Prius and now....

My opinion... you are making payments.... on an expensive vehicle... that you obviously do not really need at this point.

Sell it, buy something reasonable (good / used)... that will meet your needs. Invest what is left over.

Good Luck !

Trev H
by Trev H
Tue Nov 17, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Yeti cooler - Worth the money?
Replies: 29
Views: 3757

Re: Yeti cooler - Worth the money?

I do a lot of fishing over here in Tennessee... and it gets plenty hot here. I was shopping for a new cooler this summer at BPS and was looking for a soft cooler (fishing from a kayak, the soft coolers make less noise).. That was my first experience with the Yetti brand. I saw one and looked it over...
by Trev H
Sat Oct 17, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Progressive lenses for eyeglasses if you want clarity above all
Replies: 77
Views: 4987

Re: Progressive lenses for eyeglasses if you want clarity above all

I tried progressive around 5 years ago... H A T E D Them. They drove me crazy... had a very narrow (in focus) area, and to the right or left of that area was blurry. You literally had to move your head to the right and left when reading a sentence in a book, or a couple of words in the sentence woul...
by Trev H
Wed Aug 19, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 5902

Re: How many here follow Bogle's "no international" theory?

50% US / 50 % International for me.

D I V E R S I F I C A T I O N ! ! !

Trev H
by Trev H
Sat Aug 15, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: What to do with my American Funds?
Replies: 28
Views: 1751

Re: What to do with my American Funds?

Someone that was following the "age in bonds" rule of thumb... would be 50% stock / 50% bonds at 50 YO. Someone that clearly knows he wants to be more aggressive... has the need and the willingness to take on more risk... you might be comfortable holding something like 30% in bonds. You mi...
by Trev H
Tue Jun 16, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6865

Re: Most Beautiful Nature Destinations

Southern Middle TN... Buffalo River... just up river from Metal Ford.

Especially the view from my kayak when a nice smallmouth bass is on the line.

Trev H
by Trev H
Fri Jun 12, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 2208

Re: Do you telecommute?

I have been working from a home office since 1997. It is about 35 miles one way to my corp office and I usually end up "going in" 4-5 times a year. My company does custom software for specific clients... and the large majority of our customer support group work from home offices. This has ...
by Trev H
Mon Jun 01, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 2691

Re: Kayak Recommendations

I have a couple of Ascend Yak's. Mine is a Ascend D10T, and my son has a A10 - (10 footers). The D10T is a sit on top, and the A10 is a sit in. Bass Pro Shops carries the Ascend brand - good quality yak's. I use mine mostly for fishing a small river and ponds & lakes. Below is a link to a good y...
by Trev H
Fri May 15, 2015 6:40 am
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 8294

Re: International - Who really is at 40%

My equities are setup.. 25% US Large Market 25% US Small Value 25% International Large Value 25% International Small Market And have been for many years. Simple, Global, 3 Factor Diversification Bias to Home Country makes no sense to me... To truly be diversified, you will most likely have to get ou...
by Trev H
Thu Apr 30, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 3212

Re: Karate for kids—Thoughts?

My son tried it out... went all the way to brown belt. The last year or so he was getting tired of it and complaining all the time that he wanted to quit. I offered him 100.00 to stay until he got his black belt... but he was determined to give it up and did. Was it good for him - yes.... while it l...
by Trev H
Thu Apr 16, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 5059

Re: Inexpensive Smartphone

I got a Samsung Galaxy 4 last fall, on black Friday for 249.00 from walmart.com... and the S3's were quite a bit cheaper.. something like 129.00. I have been very happy with it. It does way more than I need it to. My wife has a Iphone 5 but I don't care much for it, prefer the Samsung. We use Straig...
by Trev H
Tue Mar 17, 2015 8:03 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2646

Re: What's a good digital antenna?

The antenna you need depends on where you live and how far your source is. Check out the antennaweb.org website (link below). You can enter your address details and get antenna suggestions, and even an estimate on the # of OTA channels you will get, and can even get a channel guide. http://antennawe...
by Trev H
Sat Mar 14, 2015 4:56 pm
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 11287

Re: How much international is too much?

I am a fan of equal weighting... Therefore... my equities are setup Half US, Half Internatinoal... and also Half Large / Half Small... and half Market / Half Value - 4 funds. 25% US Large Cap Index 25% US Small Value Index 25% International Large Cap Value 25% International Small Market The perfect ...
by Trev H
Wed Mar 11, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 40055

Re: Will you buy an Apple Watch?

Who needs a watch anymore....

I don't like wearing them, and got to have a cell phone anyway and it has the time... so why bother with wearing something on your wrist.

Not me.

Trev H
by Trev H
Sat Feb 28, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 75
Views: 10103

Re: Turbotax 2014: Buyer Beware

I bought the same TT I have used for 10+ years... had no change in my taxes... but was forced to upgrade (40.00+) before I could finish my return... I called and complained and they sent me a check for 25.00.. I told them I would have to have the full forced upgrade cost back or I would not be a ret...
by Trev H
Wed Feb 25, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Anyone have one of those standing desks?
Replies: 26
Views: 2689

Re: Anyone have one of those standing desks?

I work from a home office and used to sit for the most of an 8 hour work day. Developed prostate issues a couple of years ago and... well if you have ever tried sitting on a flaming golf ball... you would get about what it feels like. Long term sitting too much is probably the main cause of male pro...
by Trev H
Sat Jan 10, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 14706

Re: What is the international portion of your portfolio and

50% of Equity is in International My equity allocation goal is to be half US, Half International, Half Large, Half Small, Half Value, Half Market. Vanguard Rollover IRA is setup 50% International Value, 50% FTSE X-US Small Cap My company plan at work... I am using a 50/50 split between a Internation...
by Trev H
Tue Dec 09, 2014 5:31 pm
Forum: Investing - Theory, News & General
Topic: To Tilt or Not To Tilt, that's the question
Replies: 52
Views: 2993

Re: To Tilt or Not To Tilt, that's the question

3 Fund... (Lumper) Total US Stock Market + Total International Stock Market + Total Bond Market (two equity components - 1 Factor Diversification - BETA only) Yes very simple but no size or price diversification in the equity. 5 Fund.... (Simplified Ultimate Buy and Hold) --- see the reference to th...
by Trev H
Fri Nov 28, 2014 8:50 am
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 18780

Re: How To Invest Your Emergency Fund?

Mine is invested.... approx 1/3 in savings account at local bank and online bank (earning doodly squat), 2/3 in wellesley income fund in taxable account at Vanguard. Have had this setup for the past 4 years. I have been very happy with that setup. No worries about the 2/3 in wellesley income - I am ...
by Trev H
Thu Nov 27, 2014 8:49 pm
Forum: Investing - Theory, News & General
Topic: Equal Weight portfolio
Replies: 19
Views: 3014

Re: Equal Weight portfolio

You might want to consider the simplified ultimate buy and hold. Lots of discussion on this older post below... http://www.bogleheads.org/forum/viewtopic.php?t=38374 4 Equity components gets you global, 3 factor diversification that performs basically the same as an 8 slice mix. Good Luck ! Trev H
by Trev H
Sun Nov 09, 2014 8:32 am
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 59542

Re: What is your age and AA?

Age Me 53, Wife 50

AA (approximately)...

45% equities split up (50/50 US/Foreign, 50/50 Large/Small and 50/50 Value/Market)
10% Bonds/Cash
45% Land/Timber

Trev H
by Trev H
Thu Jul 31, 2014 5:35 pm
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 150
Views: 16932

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
Wed Jul 23, 2014 5:44 pm
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 2357

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
Tue Jul 22, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2650

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
Fri Jul 18, 2014 4:34 pm
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 8663

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 4:28 pm
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1944

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
Wed Jul 09, 2014 10:14 pm
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4994

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
Thu Jul 03, 2014 4:46 pm
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 5647

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 Jun 26, 2014 4:54 pm
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 7641

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
Tue Jun 24, 2014 7:01 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 47
Views: 3147

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
Sat Jun 21, 2014 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Worst year of any fund?
Replies: 4
Views: 878

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 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Equity Income Fund
Replies: 4
Views: 1381

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
Fri May 23, 2014 6:42 pm
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 5990

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 5:08 pm
Forum: Investing - Theory, News & General
Topic: Does a small value tilt reduce porfolio volatility?
Replies: 53
Views: 4428

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
Thu Apr 03, 2014 4:25 pm
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 4033

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
Fri Mar 28, 2014 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Stock Funds - Value vs Growth? Large vs Small?
Replies: 12
Views: 1411

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
Thu Mar 27, 2014 7:40 pm
Forum: Investing - Theory, News & General
Topic: SCV: has the small or the value kinda fallen out of favor??
Replies: 28
Views: 2509

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 20, 2014 4:41 pm
Forum: Investing - Theory, News & General
Topic: Higher Returns at Lower Risk - please comment
Replies: 59
Views: 7126

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
Tue Feb 18, 2014 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5915

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
Fri Feb 07, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 69
Views: 7538

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
Sat Jan 25, 2014 2:55 pm
Forum: Investing - Theory, News & General
Topic: Which of these two funds would you buy? And why?
Replies: 12
Views: 1410

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
Thu Jan 09, 2014 8:49 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio in Small Cap Value??
Replies: 42
Views: 5463

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...

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