Search found 1873 matches

by Trev H
Thu May 31, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 25753

Re: Oatmeal suggestions

LG..

Should you not also remove all of the other post that mention oats as being ... Healthy or Heart Healthy or ...high glycemic index or which could increase inflammation and risk of damage to blood vessels.

???
by Trev H
Tue May 22, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 2058

Re: Babymoon - Hawaii Recommendations/Expected Costs

We did our honeymoon there in 1990... 3 days in Oahu - Waikiki Beach... the beach was great, but right across the street was big city sky scrapers. We stayed at the Hyatt. 4 days in Maui - Stayed at a Westin Maui - Excellent. Awesome beaches, much more laid back and relaxing. If I could only do one,...
by Trev H
Thu Apr 26, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: CAGR & Sharpe Ratio
Replies: 22
Views: 1220

Re: CAGR & Sharpe Ratio

Back in my backtesting days... I posted the info below. check the 3rd chart shown. https://www.bogleheads.org/forum/viewtopic.php?t=38374 That demonstrates in my opinion the ideal sistuation The portfolio that wins, has Higher CAGR and Sharp, but also has a lower StDev. Now that's a Win, Win, Win si...
by Trev H
Thu Apr 12, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 4547

Re: Any aggressive index funds in your portfolio?

Taxable - TSM / FTSE X-US (50/50 mix) Also a chunk of Wellesley income fund (used to be part of my EF). Roth 1 US REIT / FTSE X-US Small Cap Roth 2 International REIT / US Small Value Index (aggressive slices, with low correlations paired up, re balanced yearly) Rollover IRA - Equity equal weighted ...
by Trev H
Sat Apr 07, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 14728

Re: What is your AA, given your age? and, Why?

I am 56 yo now... I maintained 100% stock allocation until just a few years ago (2016)... and made the change to 70S/30B at that point. Part of my reasoning for doing so was, my Grandfather and then my Father owned a significant amount of timber land which would eventually become mine... He paid 115...
by Trev H
Thu Mar 22, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 4629

Re: Home equity as part of retirement plan

TheOscarGuy said... I might pay it off all of significant portion by retirement. But you have to live somewhere, right? Right ... you have to live somewhere... But with us our home has evolved along with our needs / family size.. and our means... when first married, we rented for a few years, then b...
by Trev H
Tue Mar 20, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 4629

Re: Home equity as part of retirement plan

For me it will be... 1) Use it - Will downsize ASAP and invest the difference We bought 30 acres of land out in the country in 1998... paid that off. Built a New Home on it in 2001 (3800 sf Brick, finished nicely, tile, hardwood, etc). We have two kids... one of which got married and left home last ...
by Trev H
Thu Mar 15, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: SWR Players: How have you been spending in the past 9 years?
Replies: 13
Views: 1893

Re: SWR Players: How have you been spending in the past 9 years?

2009 16.02% 2010 10.65% 2011 9.63% 2012 10.06% 2013 9.19% 2014 8.07% 2015 1.28% 2016 8.08% 2017 10.20% ============ Avg 9.24% PS.. I am not retired yet... but I do have a small amount of $$$ in Vanguard Wellesley Income. Somewhere around 15K (used to be part of my EF). Those are the last 9 year tota...
by Trev H
Fri Mar 02, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 3350

Re: Sweet Spot For SEER Rating

I built a new home in 2001 and went with Elect Heat Pump HVAC system (Trane)... and 18 SEER. I acted as general contractor myself... hired all the subs, ordered all of the materials, scheduled everything.. and the money I saved by doing all that work, I put part of it back into the house... and ener...
by Trev H
Wed Feb 28, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16726

Re: How much cash do you keep at any time on checking?

I have a no interest checking account at local bank... I leave just enough in there to pay the monthly bills (with usually a 200.00 amount left just in case we need it, but hardly ever do)... and the rest gets xferred to online savings account that earns interest, or it gets invested. I have a inter...
by Trev H
Thu Feb 22, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 27
Views: 4230

Re: Why open a taxable account?

When you fill up your tax free (roth) and tax deferred (401k/403b, etc) space... you have to use taxable space next. This may not be as common as it once was... but some poor folks have really stinky company plan's (very expensive investment options)... and in extreme cases you can be better off inv...
by Trev H
Wed Feb 21, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car debt or invest??
Replies: 24
Views: 1767

Re: Pay off car debt or invest??

Pay it off... AND never go there again... I bought a new truck (ordered it from a dealer in Sept 1994... a new 1995 Chevy Silverado 4x4)... cost me a little over 17K best I remember. Paid it off in 4 years. That was my LAST auto loan (1998... hmmmm 20 years ago). I actually still have the truck and ...
by Trev H
Thu Feb 15, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2435

Re: How do docs treat "white coat hypertension"?

What do I do if I’m having a panic attack? The first step is to acknowledge that you’re having a panic attack and accept the feeling. Then practice these immediate coping techniques: Relax your breath by practicing 4-7-8 breathing. Inhale through your nose for 4 counts, hold for 7, and exhale throug...
by Trev H
Thu Feb 15, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2435

Re: How do docs treat "white coat hypertension"?

Sounds like you are sort of having a panic attack over something that is not really worthy of getting all that upset about. There are lots of folks on youtube or other online sources showing you how to deal with panic attacks. Controlled breathing, tensing and relaxing body parts, etc... Try it... i...
by Trev H
Fri Jan 26, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 6497

Re: Municipal Bonds - 100% When All You Need is the Income

It pays to diversify an all bond portfolio with even small amounts of equities... Using one of my old backtesting spreadsheets... 1927-2005 100% 5 Yr Treasury Bonds, ................. 5.70 StDev, 5.30 CAGR, 10K Growth 592,861.74 95% 5 Yr Treasury Bonds, 5% US Market, 5.55 StDev, 5.64 CAGR 90% 5 Yr T...
by Trev H
Wed Jan 24, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 25726

Re: In what ways could BogleHeads be badly wrong ?

That low cost index fund investing is the "only" way to go.

One word... oh well three words.

Wellesley Income Fund.

Trev H
by Trev H
Mon Jan 22, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 113
Views: 9665

Re: Small Value Premium - How Do You View It?

25% US Large Market 25% US Small Value 25% Intl Large Value 25% Intl Small Market Simplified Ultimate Buy and Hold. I look at SV as the best possible other US Equity Style Box to hit to diversify a US Large Market holding. The combination works very well when split equally... and the 4 way combo abo...
by Trev H
Fri Jan 19, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 65152

Re: What's your one big takeaway from the Crash of 2008?

I had 100% Stock allocation right thru 2001 and 2008 crashes, and just kept on buying more. I can't say it really bothered me at all.

Now 5-10 years out from retirement, I am at 70/30 and will eventually get to 60/40 or so when I do Retire.

Trev H
by Trev H
Fri Jan 19, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 6102

Re: 4k UHD TVs worth it?

We have a Sony Vizio 55" 4K UHD... think we have had it close to 2 years now, or a year and half... something like that. Excellent picture quality, even when we don't get 4k (like when streaming Netflix or Hulu or Youtube) with our out in the country slower ATT DSL service. Or even with OTA antenna ...
by Trev H
Thu Jan 18, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 2734

Re: Lets talk about some favorite index funds?

International Value (OK not an index fund)... But I just checked the YTD return for the VG funds I am invested in and it is doing the best so far YTD :-) so right now, my favorite fund. 5.27 International Value 5.21 FTXE X-US Large Market 4.88 Large Cap Index 4.63 TSM 4.30 FTSE X-US Small Market 4.1...
by Trev H
Thu Jan 18, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5407

Re: Anyone pondering moving to a cheaper place and downsizing?

In 1997 we bought 30 acres of land out in the country... and paid that off quickly. In 2001 we built a new house on our land, 3000+ SF, Brick, nice home. We paid off in 2016. So we have ALL the Equity in our home. 56 year old now.. thinking more and more about retirement, but planning to do that aro...
by Trev H
Thu Jan 04, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?
Replies: 20
Views: 1486

Re: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?

The company I had worked for for 20 years, was bought by a competitor in 2003 (the company I work for today). I had the option to roll my retirement savings to the new company plan, or to go anywhere else that I wanted (like Vanguard)... and that is when I found my way to Vanguard and became a Vangu...
by Trev H
Thu Jan 04, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 1271

Re: Legal services via employment

Not sure about the monthly fee option... guess it would depend on how much you actually used it.

My company offers to pay 50.00 annually for us in legal fees as a benefit. I used it several years ago when we had our "will" setup.

I have been married 27 years now, no prenup.

Trev H
by Trev H
Wed Jan 03, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47111

Re: What frugal thing did you do today?

I make my own fermented pickles and milk kefir... (probiotic rich foods). Had a batch of pickles that were ready today, ate 2 with dinner. I have been on Paleo diet since March.. lost 30+ pounds, got off blood pressure and cholesterol meds too. Being healthy is very frugal.. being sick is very costl...
by Trev H
Wed Jan 03, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 7558

Re: Online High yield savings account for emergency funds

I have had online savings at Capitol One since they were ING. I used to keep basically 1/3 of my EF in... Local brick and mortar bank, earning doodly squat 1/3 in Cap One/ING Savings Account 1/3 in Vanguards Wellesley Income Fund That 1/3 I put into Wellesley has grown NICELY over the years and I ha...
by Trev H
Sat Dec 23, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 21268

Re: Honda Pilot vs Toyota Highlander?

I have a 1995 Chevy Silverado (my only NEW vehicle purchase)... and it has been paid for since 1999 (that was the last vehicle loan for us). It still runs great and takes me fishing and hunting and hauls stuff... It is all I really need. I put around 5000 miles yearly on it. Several years ago... I t...
by Trev H
Wed Nov 22, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3969

Re: Slice and Dice

You can keep it simple and still manage 3 factor global diversification... below an old post I did a few years back. https://www.bogleheads.org/forum/viewtopic.php?t=38374 Someone above mentioned SV coming back... LG having it's hay day lately... That is a fact... that you will see if you study the ...
by Trev H
Mon Nov 06, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 54
Views: 10845

Re: Should one use REITs

viewtopic.php?t=12990

Above one example that I found with search... It covered 1972-2007.

Trev H
by Trev H
Mon Nov 06, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 54
Views: 10845

Re: Should one use REITs

birddog asked...

"Any data to support increased return over standard 3 fund?"

Yes - hundreds of post that I did in the past.

Trev H
by Trev H
Sun Nov 05, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 54
Views: 10845

Re: Should one use REITs

REITS are good for diversification... and offer very low correlation with a few specific other components that you should consider too. A small amount of REIT added to a portfolio (your standard 3 fund) decreases volatility and increases return - Win - Win. US REIT has very low correlation to Intern...
by Trev H
Wed Aug 16, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7901

Re: Plan for making child pay for part of college

I made an agreement with my two children that I would pay a specific amount, and they would pay anything over that. My amount was generous (IMO)... but made them put some skin in the game too. I saved that specific amount in ESA's and other Savings. Finished that off a couple years ago. My daughter ...
by Trev H
Fri May 05, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in Vanguard's Wellesley Income fund for 10 years to buy car
Replies: 22
Views: 4273

Re: Investing in Vanguard's Wellesley Income fund for 10 years to buy car

I really like Wellesley income.. Several years ago I decided to put part of my emergency fund in Wellesley... I have been very pleased with the performance. it has grown nicely. At that time I did not have any other taxable investments (other than rest of EF in online savings accounts earning doodly...
by Trev H
Fri Mar 17, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 8176

Re: Suspicious organic products

I do buy organic if it is available and reasonably priced. I also grow and "put up" a lot of my own food (organic gardener).... and that is one source that I can trust.... even if I don't fully trust the other. I make my own compost and use only organic fertilizers, gypsum, bone meal, blood meal, ep...
by Trev H
Tue Mar 07, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 10963

Re: Tell me about Smart TVs and cutting cable

I have 3 mbps (ATT DSL)... best I can get at my location. We can stream Ok on two devices... but if the 3rd joins in we start getting lots of pauses, loading, etc... I would not recommend a Smart TV... Get a Dumb one... and use a Roku Device for the streaming. I had a dumb Sony 1080p LED TV that we ...
by Trev H
Thu Mar 02, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 14555

Re: Why can't I save enough to have decent vacation or restaurant meal

The things you really want to accomplish.. you really just have to make them a priority. You have heard the old saying ... pay yourself first. If you don't - no one else will. Or in other words you have to save it and have to make it a priority to do so. If you don't no one will. Also if you don't s...
by Trev H
Wed Mar 01, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 14049

Re: What Car Should I Buy My Daughter as a Graduation Present

I bought mine a 2008 Toyota Camry... (when she turned 16). My company buys them new for our sales reps and they keep them until they have 100K miles or so (they service them and everything, take good care of them)... then they offer them for sale (by silent auction) to the company staff. I bid 6k fo...
by Trev H
Fri Feb 17, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 22175

Re: Why do you go to restaurants?

My wife and I like to eat out occasionally... usually do that once or twice a week, or on special occasions, like recently on Valentines Day.. I took her out to eat, Birthdays, etc... I can't go anywhere and buy a better cheeseburger than I can grill myself at home... and I could add a lot of stuff ...
by Trev H
Wed Feb 15, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 2557

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

A 50/50 mix of W & W gets you to a 50% Equity / 50% Bond mix. So you could just hold them in equal slices and add other bond fund components to tilt it back to more bonds. Something like a 50/50 mix of Total Bond and Tips would not be a bad idea for the additional bonds to add. For example 20% Total...
by Trev H
Fri Feb 10, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 3696

Re: How do Bogleheads buy phones?

I bought my last new phone a couple years ago... Black Friday sale - Samsung Galaxy S4. Best I remember I paid 249.99 for it back then.

It (STILL) does everything I need it to and more, and does it nicely. I use Straight Talk service.

Trev H
by Trev H
Wed Feb 08, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 11149

Re: A Wellesley alternative

It may be an "alternative".... But I doubt seriously it will match the performance of Vanguards Wellesley Income fund. A few years back when I was really into crunching the data... I could not find any mix of vanguard funds with similar AA that matched the performance of Wellesley. It rocks. Trev H
by Trev H
Thu Feb 02, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Value/Growth Split Question
Replies: 18
Views: 1544

Re: Value/Growth Split Question

I found the old M* Xray tool and got these details for you. VLACX (Vanguards Large Cap Index - Large Blend) 29-20-25 06-05-05 00-00-00 A 50/50 mix of Vanguards Large Growth Index and Large Value Index 27-29-27 05-05-06 00-00-00 There is a little difference but not a whole lot and these numbers do sh...
by Trev H
Wed Feb 01, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Value/Growth Split Question
Replies: 18
Views: 1544

Re: Value/Growth Split Question

If you have 50% Large Value and 50% Large Growth... then you basically have 100% Large Market (or Blend). You could just by 100% Large Cap Index or 500 Index and get that (in one fund) instead of 2. Personally I would not by a Growth component at all. A combination of US Large Market (Blend) and US ...
by Trev H
Thu Jan 26, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington long term details Vs Indexes
Replies: 13
Views: 3582

Re: Wellesley and Wellington long term details Vs Indexes

    Returns for W&W that I have saved... Wellington Fund 1930-2005 (21.21) (1930)    (26.43)    (1.82)    6.82    20.36    35.37    31.31    (35.41)    19.15    10.30    0.14    (3.91)    16.62    24.88    19.37    23.13    (2.38)    (3.46)    3.87    16.51    12.77    12.36    11.04    1.89    31.0...
by Trev H
Thu Jan 19, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Should I cut my Pine tree?
Replies: 24
Views: 8523

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: 2626

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: 93
Views: 10859

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: 2054

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: 2054

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: 2054

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: 2770

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...