Search found 1816 matches

by Trev H
Tue Nov 22, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 63
Views: 6770

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: 2217

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: 3562

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: 10834

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: 3805

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: 3805

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: 3805

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: 3872

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: 3805

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: 12493

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: 3634

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: 11044

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: 483

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: 5816

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: 1265

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: 1152

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: 3194

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: 4357

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: 4639

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: 7715

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: 5201

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: 3691

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: 3691

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: 64535

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: 6548

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: 6374

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: 6374

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: 4986

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: 3823

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: 4140

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: 3756

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: 9026

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: 15817

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: 1120

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: 2478

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: 5946

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: 6254

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: 12685

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: 6901

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: 6901

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: 13043

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: 3850

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: 4712

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: 6753

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: 6892

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: 2422

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: 7585

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: 2548

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: 6283

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: 9425

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...

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