Search found 1799 matches

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: 37
Views: 2089

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: 4020

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: 6447

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: 4777

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: 3302

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: 3302

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: 333
Views: 54153

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: 5886

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: 5676

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: 5676

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: 4482

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: 3258

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: 3781

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: 3173

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: 8453

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: 13392

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: 996

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: 2008

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: 5385

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: 5418

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: 11756

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: 54
Views: 6161

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: 54
Views: 6161

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: 119
Views: 11891

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: 3598

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: 4071

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: 5627

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: 6328

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: 2011

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: 7249

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: 2350

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: 3943

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: 8787

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: 3454

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: 5391

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: 2813

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: 11861

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: 43615

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: 77
Views: 11200

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: 45
Views: 4606

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: 15382

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: 3153

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: 98
Views: 20484

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: 3085

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: 60674

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: 17559

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: 2444

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: 2780

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: 9053

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: 2039

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

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