Search found 1187 matches

by InvestorNewb
Fri Jul 03, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: Are REITs necessary in a portfolio? Why?
Replies: 77
Views: 5285

Re: Are REITs necessary in a portfolio? Why?

They sure felt necessary in 2014. :)

2015: not so much.
by InvestorNewb
Tue Jun 30, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 17
Views: 4469

Re: Interest rates will rise, so flee REITS and Bonds?

I want to add Vanguard REIT index fund to my portfolio, however; I am waiting for it to go down. I have been waiting for months for a lower valuation to buy it and add it to my portfolio. Still waiting....as it goes lower and lower.... Currently: Vanguard Total Market index 46% Vanguard Small Cap V...
by InvestorNewb
Sat Jun 27, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4457

Re: are these legit Vanguard reviews?

Don't let a few bad experiences turn you off. Every company has its share of negative reviews.
by InvestorNewb
Sat Jun 27, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank -- tried to assess ridiculous, trivial fee
Replies: 9
Views: 1514

Re: HSA Bank -- tried to assess ridiculous, trivial fee

Banks need to smarten up because even people with lots of assets are annoyed by being "nickled and dimed". Scotiabank wanted to charge me $10 per month to use online business banking, which is free virtually everywhere else. I chose RBC for business banking, and the account balance grew to...
by InvestorNewb
Thu Jun 25, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF dividends?
Replies: 13
Views: 1403

Re: Vanguard ETF dividends?

Why are the dividend rates for VOO showing and not the other ETFs? I checked the ones in my sig... Check your watch (or smartphone). Is it 2 am eastern time yet? (Edit: Time marches on, so now the info is available. :) ) Yep - I see they are out now. Sweet. Much better than the first quarter too. M...
by InvestorNewb
Thu Jun 25, 2015 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF dividends?
Replies: 13
Views: 1403

Re: Vanguard ETF dividends?

Why are the dividend rates for VOO showing and not the other ETFs? I checked the ones in my sig... Check your watch (or smartphone). Is it 2 am eastern time yet? (Edit: Time marches on, so now the info is available. :) ) Yep - I see they are out now. Sweet. Much better than the first quarter too.
by InvestorNewb
Wed Jun 24, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment v. DCA v. Waiting
Replies: 50
Views: 5009

Re: Lump sum investment v. DCA v. Waiting

Time in the market is more important than timing the market. You could be waiting awhile if you choose to simply do nothing.
by InvestorNewb
Wed Jun 24, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF dividends?
Replies: 13
Views: 1403

Re: Vanguard ETF dividends?

Why are the dividend rates for VOO showing and not the other ETFs? I checked the ones in my sig...
by InvestorNewb
Tue Jun 23, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 66
Views: 6818

Re: Money arguments with spouse and how did you resolve

I know you didn't ask for it BUT why can't the cousin ask their immediate family for the money?
by InvestorNewb
Mon Jun 22, 2015 9:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2294

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday Mel!! :sharebeer
by InvestorNewb
Mon Jun 22, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4438

Re: Best Advice

livesoft wrote:Save and invest half your before-tax income from age 16 to retirement.

Like anyone can seriously do this...not without mooching off somebody else or living in a cardboard box.
by InvestorNewb
Sun Jun 21, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13467

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

The real beneficiaries of real estate are the children who inherit the properties that their parents bought many decades ago -- once they are completely paid off. For every real estate mogul that you hear about, there are probably countless others who are under water. It all depends on when and wher...
by InvestorNewb
Sun Jun 21, 2015 1:27 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 20202

Re: When saving money becomes an irrational obsession

I can understand people who are like that who lived through the depression. Habits get engrained and it's hard to break out of them.
by InvestorNewb
Thu Jun 18, 2015 8:45 pm
Forum: Investing - Theory, News & General
Topic: Slice and Dice Review
Replies: 16
Views: 1319

Re: Slice and Dice Review

If I'm reading correctly, the final balance for Portfolio 1 and 2 are about the same. The only difference is the inclusion of gold in #1. It goes to show the importance of small caps and emerging markets, neither of which I currently tilt to. Correct and the one with gold has a lower standard devia...
by InvestorNewb
Thu Jun 18, 2015 8:10 pm
Forum: Investing - Theory, News & General
Topic: Slice and Dice Review
Replies: 16
Views: 1319

Re: Slice and Dice Review

If I'm reading correctly, the final balance for Portfolio 1 and 2 are about the same. The only difference is the inclusion of gold in #1.

It goes to show the importance of small caps and emerging markets, neither of which I currently tilt to.
by InvestorNewb
Tue Jun 16, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 7608

Re: Not Buying a Home Could Cost You

Where I live property tax alone would be about 5k/year (conservative estimate). I spend about 12k per year on rent.

Instead of buying a house, I have the money invested.
by InvestorNewb
Mon Jun 15, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Selling a stock that has split
Replies: 8
Views: 766

Re: Selling a stock that has split

I had about $1000 worth of AIG that I sold a few years ago. I'm sure I messed something up on my taxes because of the split.
by InvestorNewb
Fri Jun 12, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4200

Re: Individual stocks that have outperformed the market

If it sounds too good to be true, it probably isn't.
- InvestorNewb
by InvestorNewb
Thu Jun 11, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5188

Re: Should I move out of my family's home?

If your 85k job is stable I would definitely move out. Remember that you are only young once.

I moved out at 26 and felt that was "old". Having your own privacy, especially when in a relationship, is critical.
by InvestorNewb
Thu Jun 11, 2015 6:19 am
Forum: Investing - Theory, News & General
Topic: VT the most diversified equity ETF?
Replies: 12
Views: 2194

Re: VT the most diversified equity ETF?

Here is a post I made that you may find helpful:
viewtopic.php?f=1&t=148120&p=2212410#p2212410
by InvestorNewb
Wed Jun 10, 2015 9:11 am
Forum: Investing - Theory, News & General
Topic: REITs - why the volatility?
Replies: 44
Views: 3830

REITs - why the volatility?

I still read the forums on a daily basis but haven't posted in awhile. My question is on REITs and why they have been falling drastically over the past week or so. I gather it has to due with the upcoming rise in interest rates, but I thought that only impacted specific REITs and not all the various...
by InvestorNewb
Fri Jun 05, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 59
Views: 4023

Re: What is total return vs. dividend investing?

Vanguard has both a High Dividend fund and a Dividend Growth fund. These are good alternatives to those who don't want to maintain an individual stock portfolio and yet pursue a dividend strategy. As I have posted many times, this isn't the best time to be chasing dividend yields. I looked at those...
by InvestorNewb
Fri Jun 05, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5032

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

I've been tempted to tilt towards US small cap, international small cap, emerging markets, NASDAQ, health care, and others. But then I realized I would no longer be following the Boglehead philosophy. Keep it simple.

I skate to where the puck is going to be, not where it has been.

Wayne Gretzky
by InvestorNewb
Thu Jun 04, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 59
Views: 4023

Re: What is total return vs. dividend investing?

I like the concept of dividend investing but I would not know what companies to invest in. I follow dividend blogs and they always post about how they picked up shares in x, y, and z company because they have a history of raising dividends, good products, management, etc. But there are thousands of ...
by InvestorNewb
Wed Jun 03, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2732

Re: Canadian money

hbgpharmd wrote:So Norbert's Gambit is of no use to US investors who a are seeking a cheap means of converting USD to physical CAD.

Norbert's Gambit is the cheapest way. I've done a lot of research on it as my income is in USD and I pay taxes in CAD.
by InvestorNewb
Mon Jun 01, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2732

Re: Canadian money

Our (Canadian) money is colored too. When I travel to the United States I always have to double check that I'm not handing over a higher denominated bill. https://justbebeth.files.wordpress.com/2013/09/us_currency-1246rxp.jpg Our bills are colorful and a lot nicer looking: http://postfiles15.naver....
by InvestorNewb
Sun May 31, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2732

Re: Canadian money

Our (Canadian) money is colored too. When I travel to the United States I always have to double check that I'm not handing over a higher denominated bill. To the OP, the cheapest way to exchange money is through a process call Norbert's Gambit. It involves buying DLR.U and selling DLR (ETFs). Google...
by InvestorNewb
Sun May 17, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3298

Re: Keep underground storm cellar (in Florida)?

The question is how effective would it be for a real tornado? You would probably leave the area and not go inside the storm cellar.

Personally, I never really understood people that have those...
by InvestorNewb
Thu May 14, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buying property with friends to rent
Replies: 16
Views: 1713

Re: Buying property with friends to rent

When you're done college how many of those friends do you think you'll still talk to? I've lost contact with most of my college friends, since we all live in different cities now.
by InvestorNewb
Wed May 13, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: [Teens and Investing]
Replies: 17
Views: 984

Re: TEENS AND INVESTING

I wanted nothing to do with investing at that age. It's hard to get excited about investing when you don't have any money to invest.
by InvestorNewb
Thu May 07, 2015 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 2454

Re: Non traded REITs and indexed annuities

It sounds like you need to run as fast as you can. REITs are very volatile. I hold VNQ and the price fluctuates considerably. A few months ago it was priced at almost $90 per share and now it's at about $80. From my limited experience, I have never read anything good about non-traded REITs. The hard...
by InvestorNewb
Mon May 04, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: REIT: VNQ vs. O
Replies: 6
Views: 669

Re: REIT: VNQ vs. O

O pays monthly dividends, VNQ pays quarterly dividends.

O is one stock, VNQ is 141 stocks.

In my opinion, VNQ is the better option for diversification reasons.
by InvestorNewb
Sat May 02, 2015 9:51 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 3102

Re: Forum is now back ONLINE!

Awesome - thanks!! :)
by InvestorNewb
Fri May 01, 2015 2:41 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends (VTI)
Replies: 9
Views: 999

Re: Total Stock Market Dividends (VTI)

Here is more data from Vanguard's oldest S&P500 mutual fund (VFINX):

1980 -> 0.83

1990 -> 1.27 (+53.01%)

2000 -> 1.3 (+2.36%)

2010 -> 1.966 (+51.23%)
by InvestorNewb
Fri May 01, 2015 2:23 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends (VTI)
Replies: 9
Views: 999

Re: Total Stock Market Dividends (VTI)

tludwig23 wrote:No, you do not have enough data to extrapolate with any degree of certainty.

That's why I said estimates...
by InvestorNewb
Fri May 01, 2015 2:06 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends (VTI)
Replies: 9
Views: 999

Total Stock Market Dividends (VTI)

In 2005, VTI paid a dividend of $1.0415 for the year.

In 2014, VTI paid a dividend of $1.869 for the year.

Over the 10 year period, this represents an increase of 79.45%.

Based on the above, are the following estimates reasonable?

2025: $3.35
2035: $6.02
2045: $10.8
by InvestorNewb
Tue Apr 28, 2015 8:52 pm
Forum: Investing - Theory, News & General
Topic: Omaha this weekend
Replies: 29
Views: 2783

Re: Omaha this weekend

I bought 1 share of BRK.B just so I can attend. Just kidding. :happy
by InvestorNewb
Mon Apr 27, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 32
Views: 3703

Re: how to ask friend my money back?

Did you ask him?
by InvestorNewb
Fri Apr 24, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Concentrated Bet ... not bad after all ?
Replies: 6
Views: 679

Re: Concentrated Bet ... not bad after all ?

How much do you want to bet on one stock?

Sure it would be nice to be up 44% for the year on Amazon, but it could have gone the other way. Everything is easy in hindsight.

Remember that slow and steady wins the race.
by InvestorNewb
Fri Apr 24, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1309

Re: Is this a reasonable request for broker?

About 70 documents in total have to be downloaded, so not as bad as I thought. But still a pain. Each one will also have to be renamed upon download.

I can't use any automated tool or Firefox add-on to download them; they are all generated dynamically with java script as another poster mentioned.
by InvestorNewb
Thu Apr 23, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1309

Is this a reasonable request for broker?

I would like to download all electronic statements from my online brokerage account. The statements go back to 2009 and I have various accounts. Right now I can only download each statement individually. There is no way to download all of them in one single batch. I emailed my broker asking if they ...
by InvestorNewb
Wed Apr 15, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Children's financial gifts
Replies: 1
Views: 293

Re: Children's financial gifts

LeeMKE wrote:Is there such a thing as a single share of an index fund? I'm guessing not.

Buy 1 share of VTI for $109.40.

LeeMKE wrote:How about a single share of stock, maybe Apple?

I think you already know the answer to that. :D
by InvestorNewb
Fri Apr 10, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5737

Re: On a budget and Friday night

Gentlemen's club.
by InvestorNewb
Thu Apr 09, 2015 7:16 pm
Forum: Investing - Theory, News & General
Topic: Concerns about not tilting to certain sectors
Replies: 10
Views: 842

Concerns about not tilting to certain sectors

Do you ever worry about "missing out" by not tilting to a specific sector? It seems like health care and small caps are worthy of a tilt.

I know the total market index already has both of these, but you sometimes wonder what your gains might be with a bit of extra mileage...
by InvestorNewb
Wed Apr 08, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: REITs in IRAs - how much is too much?
Replies: 2
Views: 595

Re: REITs in IRAs - how much is too much?

I have my tax-deferred account maxed with REITs; it makes up about 20% of my portfolio.

When I contribute new money next year, I will probably try and lower it.
by InvestorNewb
Mon Apr 06, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5969

Re: Might Go $4,000 AAPL

closetoreality wrote:Would this be considered a reckless and irrational decision?

Is $4,000 a lot of money to you? If yes, it's a reckless decision. If 4k is only a small part of your portfolio, then it's a different story.
by InvestorNewb
Mon Apr 06, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate and reits
Replies: 22
Views: 2419

Re: Real estate and reits

I added to my REIT position today. If you do decide to buy, just make sure they are held in a tax-advantaged account. Otherwise you will lose too much to taxes when the dividends are paid out.
by InvestorNewb
Mon Apr 06, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Haliburton vs. Exxon as a buy and hold
Replies: 40
Views: 3752

Re: Haliburton vs. Exxon as a buy and hold

As boring as it may sound, I would just buy the total stock market index. There you can have them both.

z3r0c00l is right in that individual stocks carry a lot of risk.

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