Search found 100 matches

by Morse Code
Fri Jul 13, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2605

Re: Logging out 20 acre lot?

I'm not suggesting leasing to a hunter. I'm suggesting selling to a hunter. A hunter will give you the highest price if it's not valuable for development, but decent wildlife habitat. There are real estate brokers that specialize in marketing hunting properties. https://www.whitetailproperties.com/...
by Morse Code
Fri Jul 13, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2605

Re: Logging out 20 acre lot?

While it may seem logical, logging the property will not necessarily decrease it's value. That largely depends on the timber itself. If you have low-value, mature timber, logging it will actually increase the land value to a hunter. I've heard many deer hunter/owners complain that they can't get log...
by Morse Code
Fri Jul 13, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2605

Re: Logging out 20 acre lot?

I'm not suggesting leasing to a hunter. I'm suggesting selling to a hunter. A hunter will give you the highest price if it's not valuable for development, but decent wildlife habitat. There are real estate brokers that specialize in marketing hunting properties. https://www.whitetailproperties.com/
by Morse Code
Fri Jul 13, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2605

Re: Logging out 20 acre lot?

I own a 60 acre deer hunting property and I had it logged in 2016, so I have some experience in the matter. Based on what you've said, I would market this as a hunting property. That's probably the best use of it and will give you the most value. Hunter's will want to log it as soon as possible to i...
by Morse Code
Sat May 12, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55655

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

My 2018 CR-V EX has 2500 miles and I have been watching the oil level very closely since I learned of this. No increased level, no gas smell, no fuel in oil per drop test. Most of these miles have been short trips in cold weather. Not rubbing it in because I feel bad for the OP, but I wanted to repo...
by Morse Code
Wed May 02, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11177

Re: Have you quit eating sugar? Tell me how!

I have been on Keto for a year. Under 20 net carbs per day, but good veggies, fat, protein etc. I have dropped 56 lb. First week sucked so bad due to keto flu and sugar withdrawal. 2nd week sucked 80% as bad. Third week I felt awesome. About a month in my sugar craving disappeared. It only comes ba...
by Morse Code
Fri Apr 20, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55655

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I purchased a 2018 CR-V in March with the 1.5 L turbo. Wouldn't you know it, I found this thread about a week later. You and me both. I live in Florida so I'm hoping it's a cold weather problem as has been suggested. I did a lot of research before buying the CR-V and don't recall seeing anything ab...
by Morse Code
Fri Apr 20, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55655

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Perhaps. Is this really something that can be "not present" and then after a certain period of time or miles driven appears? Or is it that it's just discovered at 8-9K on average, but was there all along? I do appreciate the "heads up" and really feel for you guys who bought a Honda expecting the hi...
by Morse Code
Fri Apr 20, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55655

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I purchased a 2018 CR-V in March with the 1.5 L turbo. Wouldn't you know it, I found this thread about a week later. I'm in Michigan. We've had a cold spring and I commute about 3 miles to work. So I'm the ideal candidate for the oil fuel-dilution problem. I have driven my CR-V about 1300 miles so f...
by Morse Code
Fri Mar 16, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 11601

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

I have been hearing predictions that future stock market returns will be lower than average for the last 15-20 years (since I've been paying attention). I didn't start tracking my personal annualized portfolio ROR until 2005, but it has averaged 9.3% through 2017. Below average perhaps, but higher t...
by Morse Code
Thu Mar 08, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 14912

Re: Simple vs. Complex portfolios

Taylor Larimore wrote:
Wed Mar 07, 2018 3:37 pm
Bogleheads:

We are discussing a simple Three-Fund Portfolio vs. a complex portfolio. This is what experts say:

"Simplicity":

Best wishes
Taylor
I have a variation of a "Larry Portfolio" and it consists of three funds. How is your three fund portfolio less complex than mine?
by Morse Code
Mon Feb 12, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: A glidepath formula
Replies: 15
Views: 2161

Re: A glidepath formula

I have an investment policy statement specifying that my asset allocation should be "100 - Age + 14". This no longer makes sense to me as I move through my 40's... You lost me after the third paragraph, so this may not be helpful, but it is a simple formulaic glide path that makes more sense to me ...
by Morse Code
Wed Jan 24, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 34
Views: 2406

Re: ETFs Advantage?

If I were to take advantage of a brokerage transfer cash offer would the money in the settlement fund transfer "in-kind" the same way the ETF shares would? Yes, if you want it to. Transfer forms normally have the option for a complete transfer, or partial. With the latter, you can specify shares to...
by Morse Code
Wed Jan 24, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 34
Views: 2406

Re: ETFs Advantage?

For a Roth, it's not easy. You can find some other ETF that's around the value and put a limit order for how much you have, then hope it hits. Then you have one odd ETF. I just don't worry about it. Yeah, I guess $100 +/- doesn't matter in the grand scheme, but it makes ETF investing a little less ...
by Morse Code
Wed Jan 24, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 34
Views: 2406

Re: ETFs Advantage?

I use ETFs in my Roth IRA because the VG int'l small cap ETF (VSS) is half the cost of it's mutual fund shares. The one thing that annoys me is you can't buy fractional shares, so I always have a little cash sitting in my settlement fund. Not a deal breaker, but annoying nonetheless. Is there any wa...
by Morse Code
Tue Oct 10, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 8419

Re: Has your "risk tolerance" been tested?

I have been investing for 20 years, but I've never been tested. Why? In 2000 my portfolio was about $10,000, in 2007, about $75,000. In both cases I was 100% equities, but so far from having "real" money that it didn't phase me a bit. Starting in 2008, I was finally able to start socking significant...
by Morse Code
Mon Oct 09, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 18461

Re: Bogle himself is saying we will expect like 3% for the next decades

I've been a Vanguard shareholder and followed the Diehards/Bogleheads forums since about 2001. It seems to me, Bogle's been warning about low equity returns for at least a couple decades and probably before that. I'm glad I've ignored this and kept high equity allocations all along.
by Morse Code
Sun Oct 08, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals
Replies: 13
Views: 2432

Re: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals

Here's my simple glide path formula: Current Portfolio Value/Target Portfolio Value = % of Target % of Target * Desired Bond Allocation % at Retirement = Current % Bonds Thanks. I think that's a good rule of thumb. So trying to make this concrete with an example: Target retirement income = $100 k T...
by Morse Code
Wed Oct 04, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals
Replies: 13
Views: 2432

Re: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals

Here's my simple glide path formula:

Current Portfolio Value/Target Portfolio Value = % of Target

% of Target * Desired Bond Allocation % at Retirement = Current % Bonds
by Morse Code
Wed Oct 04, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals
Replies: 13
Views: 2432

Re: AAII Article: Target Wealth A Better Bet For Achieving Wealth Goals

For some time I was undecided as to the best glide path for our portfolio. Then one day on this forum I was introduced to the concept of "target wealth" versus "target date". It was an "ah hah!" moment and I adopted it from that point. It made perfect sense to me. My strategy is a little simpler tha...
by Morse Code
Fri Sep 29, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 9059

Re: 3 stages of Financial Independence

I have a little different way of thinking about your three financial levels (I see them more as "levels" rather than "stages"). Currently, based on our income, expenses and savings, we are at Level #2. I often think about how I want to be when I retire. I could retire early and get out of the rat ra...
by Morse Code
Fri Sep 29, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 9059

Re: 3 stages of Financial Independence

I like it. Seems pretty reasonable and accurate. I would put us firmly in Stage #2.

Just to clarify, do you consider these to be stages in a families' financial situation throughout their working and retirement years, or just working years or just retirement?
by Morse Code
Thu Sep 21, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 4441

Re: AA if you were just starting out again

Same stock/bond glide path, but I would include more factor exposure on the equity side. Here's my simple three fund portfolio:

Small Cap Value (39%)
Int'l Small Cap (39%)
Intermediate Treasuries (22%)
by Morse Code
Tue Jul 25, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Changes in your risk profile
Replies: 13
Views: 1078

Re: Changes in your risk profile

I had read a couple of posts on this board recently where a forum member was suggesting setting your bond allocation as a function of the target number instead of your age. So, using this method, if your target was a $1 million portfolio @ 70% bonds you would work backwards from there. So 900K woul...
by Morse Code
Tue May 16, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Tilting vs simplicity -- and where to tilt?
Replies: 12
Views: 1948

Re: Tilting vs simplicity -- and where to tilt?

NiceUnparticularMan wrote:...So there you go--all your stocks in VBR and VSS, and you have a nicely-tilted global stock portfolio...
And this is exactly what I do. Thanks for the validation. You made my day. :happy
by Morse Code
Fri May 05, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 6140

Re: Tips From Older Bogleheads?

I will turn 48 this week. Don't know if that's old to the OP, but I will tell you that I didn't start making decent money until about ten years ago. Since then my net worth has increased dramatically. I just regret that it took so long for me to settle in to a career and increase my income. Boglehea...
by Morse Code
Tue Apr 25, 2017 7:26 am
Forum: Investing - Theory, News & General
Topic: Larry Portfolio Equities: What % Each Market?
Replies: 50
Views: 5000

Re: Larry Portfolio Equities: What % Each Market?

NiceUnparticularMan wrote:
stlutz wrote:Betting only on small/value is not factor diversified.
This is a crucial premise in your argument, and...
Nice explanation.
by Morse Code
Thu Apr 20, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 49664

Re: Larry Swedroe says "Goodby."

Because I don't come here everyday or even every month, I'm one of the posters that would ask a question from time to time that was probably addressed by Larry a thousand times. I was always surprised and delighted when he would respond anyway. Larry is one of the experts I have trusted the most thr...
by Morse Code
Fri Apr 14, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 7150

Re: Jack says be realistic

Not really. I'd say it has done a pretty horrible job. It is so far off I don't understand how anyone could even consider basing actions on it. Here's Bogle's model for the past several years https://monosnap.com/file/cYm3w5pcQbeJKbim7hS4AzLr0wwPTC.png Interesting table. It coincides with about the...
by Morse Code
Fri Apr 07, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: What are "safe bonds"?
Replies: 16
Views: 1523

Re: What are "safe bonds"?

Phineas J. Whoopee wrote:...OP: With respect to individual investing that word is often used to mean investment grade bonds of no more than intermediate term.
PJW
PJW - Thanks for your concise answer and links.
by Morse Code
Fri Apr 07, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: What are "safe bonds"?
Replies: 16
Views: 1523

What are "safe bonds"?

I see the term used a lot here, especially when discussing the Larry Portfolio. I did a search and was not able to find an explanation in other threads. Probably didn't look hard enough. The term implies there are "safe" and "unsafe" bonds. Are unsafe bonds just lower quality corporate bonds (high y...
by Morse Code
Fri Apr 07, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Which Larry Portfolio variation would you choose?
Replies: 30
Views: 4390

Re: Which Larry Portfolio variation would you choose?

My guess is that Larry would recommend holding CDs in an IRA or munis (if in taxable) over treasuries. Additionally he might now recommend alts like P2P lending, AQR managed futures and AQR multi-style period to replace some treasuries depending on several factors. I hold most of my bonds in a 401k...
by Morse Code
Thu Apr 06, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: Which Larry Portfolio variation would you choose?
Replies: 30
Views: 4390

Re: Which Larry Portfolio variation would you choose?

I was under the impression Vanguards Intermediate Term Treas (VFIUX) was the best fixed income fund option for implementing this strategy. A couple of Larry's comments on this thread have caused me to second guess this. Is there a better VG fixed income fund for this strategy?
by Morse Code
Thu Apr 06, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Which Larry Portfolio variation would you choose?
Replies: 30
Views: 4390

Re: Which Larry Portfolio variation would you choose?

NiceUnparticularMan wrote:Probably #1...
Thanks for your thoughts, NiceUnparticularMan!
by Morse Code
Thu Apr 06, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Which Larry Portfolio variation would you choose?
Replies: 30
Views: 4390

Re: Which Larry Portfolio variation would you choose?

fwiw, TE should be irrelevant to sophisticated investor...Of course I would use CDs, not Treasuries, if can. Larry Thanks for responding, Larry. TE has never been an issue with me. I guess that makes me sophisticated! :) Part of the reason I hold any LC is a portion of my portfolio (my HSA) has lim...
by Morse Code
Thu Apr 06, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Which Larry Portfolio variation would you choose?
Replies: 30
Views: 4390

Which Larry Portfolio variation would you choose?

If you were planning to retire in 12 years and could only choose one portfolio, which would you choose? #1 25% VG Value Index 25% VG Sm Value 25% VG Sm Int'l 25% VG Intermediate Treas. #2 33% VG Sm Value 33% VG Sm Int'l 33% VG Intermediate Treas. Before anyone lectures me, I know this is splitting h...
by Morse Code
Tue Feb 07, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 125
Views: 16287

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

This portfolio concept appeals to me. Is there any reason I have to wait until I've "won the game" to implement? Assuming I understand the tracking error risk, would this work with a higher equity allocation too. For example, would it be crazy to do 33% ITT, 33% Small Value, 33% Int'l Small when I'm...
by Morse Code
Wed Dec 28, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 12630

Re: How to get rid of your belly........

uncaD wrote:
Tycoon wrote:Calories in < Calories burned
This is all there is to it.
As others have mentioned, there is a large body of scientific research and multiple studies that contradict this. The science suggests not all calories are the same.
by Morse Code
Wed Dec 28, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 12630

Re: How to get rid of your belly........

You can try all the fad diets in the world, but it will always come down to: 1. Work out more 2. Eat less Both of these things require self-discipline in the long-term, which is the snagging point for 99% of Americans. The fad diets will just end up either A) harming your health; B) harming your wa...
by Morse Code
Wed Dec 28, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 12630

Re: How to get rid of your belly........

Another anecdote here for a low carb diet. Lost 25 pounds (200 to 175) and have kept it off for a year now. Sugar is the biggest culprit. For whatever it's worth, I have always worked out (running and weight training). I didn't lose my excess weight until I changed my diet. Not saying exercise isn't...
by Morse Code
Sat Dec 17, 2016 9:31 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 11990

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Let me be frank. If you drive in an area where it is regularly below 40 degrees and snows during winter, you're stupid if you don't put winter tires on your car. I guess the vast majority of people I've ever known are stupid. Snow tires are great, but there's no need to be dogmatic and insulting. I...
by Morse Code
Sat Dec 17, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 11990

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Let me be frank. If you drive in an area where it is regularly below 40 degrees and snows during winter, you're stupid if you don't put winter tires on your car. As others have pointed out, the cost in minimal. I don't find it to be much of a hassle. I switch out the tires on all three of our vehicl...
by Morse Code
Thu Dec 15, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 11990

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

I'll chime in with my experience in West Michigan (70+ inches on average). Three years ago we built our dream house back in the woods at the end of a long driveway with a hill leading up to the house. First year we had to park cars at the bottom of the hill several times during the winter. Then I di...
by Morse Code
Thu Jul 28, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 9104

Re: Winter Tires: Yay or Nay

A few years ago we moved to a house with a steep incline on the driveway leading up to the house. That first winter our cars spent several nights parked at the bottom of the hill because we couldn't make it up with all-season tires if the driveway had any ice. The next year I put winters on my wife'...
by Morse Code
Fri Jun 17, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 43
Views: 11825

Re: "How to Make Your Money Last" -- A Gem

Bogleheads:I love Social Security. It's America's finest retirement plan. Nothing else gives you the same combination of income for life, inflation protection, tax benefits, government-backed payment guarantees, and built-in spouse protection, with no annual investment fee and no market risk. A com...
by Morse Code
Thu May 26, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: please advise: how to get intl value exposure at lower cost
Replies: 17
Views: 2335

Re: please advise: how to get intl value exposure at lower cost

I've wrestled with the same dilemma. I settled on not getting my value tilt on the int'l side, but instead using Value Index (VVIAX) and Small Cap Value (VSIAX) on the domestic side where it is cheaper (.08%).
by Morse Code
Wed Apr 20, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 5168

Re: Progressive or Geico?

Also, it would be illegal for them to sell you coverage at a lower rate just because you ask. It's not like the cable company. Most rates are filed and approved by the state where the insurance is sold.
by Morse Code
Wed Apr 20, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 5168

Re: Progressive or Geico?

Some of you seem to be mistakenly under the impression that an insurance agent sets the prices for the products they sell. That is not the case. There really is nothing they can do to lower your rates.
by Morse Code
Wed Dec 16, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF one of the "good guys"?
Replies: 62
Views: 15182

Re: Is TIAA-CREF one of the "good guys"?

I would say that they, like Vanguard, are one of the "better guys", at least as of current. No financial institution is without faults, so I wouldn't label anyone unequivocally as a "good guy". Fair enough. Maybe it would be better to ask if their products and services represent a good value and ar...
by Morse Code
Wed Dec 16, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF one of the "good guys"?
Replies: 62
Views: 15182

Re: Is TIAA-CREF one of the "good guys"?

Levett wrote:What rubbish!
What exactly is "rubbish", that some financial services companies attempt to exploit people's ignorance? That seems self evident, not melodramatic.