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Re: What is your net worth

IMD801 wrote:I chose 100 million plus because, as the OP states, my net worth is under this amount.

:sharebeer
by InvestorNewb
Wed Apr 16, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 25
Views: 2980

Re: Investing Noob

From your previous posts on this site it seems that you've been investing for about a year, maybe a little more. You put all your money into 100% stocks during one of the greatest stock rallies in history. Clearly this has worked out well so far, but would you feel this same way had you put your li...
by InvestorNewb
Wed Apr 16, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Noob
Replies: 6
Views: 308

Re: Investing Noob

I would recommend staying out of bonds at your age. I know that some people will disagree, but when I first posted here I listened to the folks that told me that - and they were few and far between. Fast forward a few years, and this turned out to be a good decision. Not to say the tides can't shift...
by InvestorNewb
Wed Apr 16, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Noob
Replies: 6
Views: 308

Re: GMO Forecasts now include Value and Growth

Should we really pay attention to GMO's forecasts, let alone anyone's? I think not...
by InvestorNewb
Wed Apr 16, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 12
Views: 668

Re: apartment rental strategies

Renting an apartment is not like buying a house; my experience has been there is little to no negotiation room.

But it depends where you live. If they are desperate for tenants then you can try to negotiate.
by InvestorNewb
Wed Apr 16, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 10
Views: 699

Re: What is your net worth

I question the folks who selected 50m and 100m.
by InvestorNewb
Wed Apr 16, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 25
Views: 2980

Re: Portfolio Volatility is a Big Drag on Returns

It seems like a cherry picked period. Why 1802-2009?
by InvestorNewb
Wed Apr 16, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Portfolio Volatility is a Big Drag on Returns
Replies: 25
Views: 1755

Re: How to invest $1k a month

People have a hard time believing this is the best option but I recommend target retirement funds, or Wellington funds. Its really not that complicated. Invest weekly to dollar cost average TR funds have higher expense ratios and cannot be separated for tax efficiency. Not that it really matters fo...
by InvestorNewb
Mon Apr 14, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1k a month
Replies: 16
Views: 2027

Re: Save for 25 years = $1million?

Assuming he is starting with $0, he would have to save $17,195 per year for 25 years. This assumes a 6% return on investments.

I used this Compound Interest Calculator.
by InvestorNewb
Mon Apr 14, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 3937

Re: My financial advisor doubt

I don't understand why someone who has been registered on the forum since November 23 2010 would sign-up and pay 1% AUM.

I would expect this from someone who has never visited the site before, but not from someone who has almost 5 years of membership history.
by InvestorNewb
Mon Apr 14, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3113

Re: Stock markets in free fall?

I don't own any bonds. I bought most of my VTI shares at $78. They're now at $94.25.

The last week was bad but I'm still up a good chunk overall.
by InvestorNewb
Sat Apr 12, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6462

Re: Heartbleed Security Flaw

Another thread was started about it here:
viewtopic.php?f=11&t=136922&newpost=2024165
by InvestorNewb
Thu Apr 10, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 167
Views: 15128

Re: REITS up (Still impossible to time the mkt)

Glad I held onto my VNQ shares.
by InvestorNewb
Thu Apr 10, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: REITS up (Still impossible to time the mkt)
Replies: 13
Views: 1895

Re: Vanguard REIT Index (VGSIX): a Good Investment, Now?

You will find mixed opinions on REITs. The last VNQ dividend wasn't very high ($0.453) but in other quarters they are usually higher.
by InvestorNewb
Tue Apr 08, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index (VGSIX): a Good Investment, Now?
Replies: 7
Views: 1142

Vanguard promoter

When Vanguard reduces MER fees, it usually takes months to see the changes reflected on my broker's web site. I therefore emailed my broker directly to notify them about the changes. They in turn have contacted their data provider to update the new MERs. I also did this many months ago when Vanguard...
by InvestorNewb
Wed Apr 02, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard promoter
Replies: 1
Views: 386

Re: Were These Investment Advisors Lying or Incompetent?

I also asked if they knew the difference between a net ER and a gross ER (both were listed), and they said they would have to get back to me about that as well. Seems condescending to put someone on the spot like that. They were invited to give the presentation after all. I wasn't deliberately tryi...
by InvestorNewb
Wed Mar 26, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5867

Re: Were These Investment Advisors Lying or Incompetent?

gouldnm wrote:I also asked if they knew the difference between a net ER and a gross ER (both were listed), and they said they would have to get back to me about that as well.

Seems condescending to put someone on the spot like that. They were invited to give the presentation after all.
by InvestorNewb
Wed Mar 26, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5867

Best app to track stocks?

As a follow-up to this thread, I ended up buying a Galaxy S3.

FYI: None of my local retailers carry the Nokia Lumia 1020. I also decided that the best camera phone was no longer a top priority.

I now want a good app to track my ETFs. Any thoughts/suggestions?

Thanks
by InvestorNewb
Tue Mar 25, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Best app to track stocks?
Replies: 5
Views: 565

Re: Jim Cramer's Index Embrace

I thought he was very much against passive investing. I remember reading a thread here not that long ago about this.
by InvestorNewb
Tue Mar 25, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer's Index Embrace
Replies: 11
Views: 1762

Re: The least productive post ever

If it's 1.7 million for a single person then it's 3.4 million for 2 people.

Personally I think 1.7 m is on the high side for 1 person.
by InvestorNewb
Tue Mar 25, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: The least productive post ever
Replies: 18
Views: 1660

Best smartphone in 2014?

I need a new phone... my old one (now ancient) broke after 4 years of use.

I use the internet a lot and I also want one with the best camera for photos/video.

Any suggestions?
by InvestorNewb
Wed Mar 19, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2228

Re: Sibling is a Financial Adviser, ask investing advice?

I don't see why you can't just have a casual discussion about it. No need to get into specifics about how much you have invested.
by InvestorNewb
Wed Mar 19, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Sibling is a Financial Adviser, ask investing advice?
Replies: 30
Views: 1978

Re: What do you do if your fun allocation disappears?

If it goes to zero maybe it's a sign to stop gambling. If your friends lose their money at the casino, do you tell them to keep playing?
by InvestorNewb
Mon Mar 10, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do you do if your fun allocation disappears?
Replies: 20
Views: 1351

Re: Tool for comparing Total Stock Market and S&P 500 (and m

Given that large caps dominate the total stock market fund, it probably doesn't make much difference.

"When experts disagree, it usually doesn't matter" as the saying goes.
by InvestorNewb
Mon Mar 10, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Tool for comparing Total Stock Market and S&P 500 (and more)
Replies: 11
Views: 816

Re: 2 Comma Club

18 months ago, my net worth hit 2 commas for the first time. It felt nice, but I didn't feel like a true member of the club because I included my home equity. Yesterday, I joined the club without including my home equity. Feels real this time. Thanks again to all on this forum. -M Congrats! What do...
by InvestorNewb
Fri Mar 07, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 24
Views: 2814

Re: The dealership wants my 2 year old car back?

How many km are on it? I get calls like this all the time, but don't expect a 1:1 trade.

They will probably give you 1/3 of the price you paid for it.
by InvestorNewb
Thu Mar 06, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4265

Re: 62 years old - starting all over again

The Wizard wrote:Those of us who put New Money into stock funds in 2008-2009 have done OK...

That would be an understatement.
by InvestorNewb
Thu Mar 06, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 62 years old - starting all over again
Replies: 27
Views: 4424

Buy vs rent no longer relevant?

Hello, If someone has enough money saved to pay for a house in cash, is the buy vs. rent debate no longer relevant? When I tell friends and colleagues that I rent, I'm often met with responses like: "you're paying someone else's mortgage" "you don't want to wait too long" "b...
by InvestorNewb
Thu Mar 06, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5841

Re: Small Cap Tilting

History suggests that small cap value is the superior fund among small caps. Portfolio 1 - Small Cap Value Portfolio 2 - Small Cap Blend Portfolio 3 - Small Cap Growth http://s11.postimg.org/4agx9cohf/2014_03_06_084959.png http://s24.postimg.org/j7ucwebfp/2014_03_06_084931.png Source: http://www.por...
by InvestorNewb
Thu Mar 06, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Small Cap Tilting
Replies: 84
Views: 6087

Re: Tipping for take out

I got take out at a Thai restaurant last week. I tipped $0 and got a dirty look from the lady. The cost of the meal was already $18.

Won't be going back.
by InvestorNewb
Wed Mar 05, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4544

Re: VWIUX - reinvest dividends if used as EF?

It's a good habit to expand the abbreviation before using it:

Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX)

... not everyone is familiar with the abbreviation alone.
by InvestorNewb
Wed Mar 05, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWIUX - reinvest dividends if used as EF?
Replies: 10
Views: 440

Re: Predicting dividend price per share

I don't think it matters whether VTI is trading at 100 or 50. If the fund has received $1 billion dollars in dividends from underlying holdings, those dividends have to be distributed to shareholders no matter what the ETF is trading at. If there are 10 billion shares, I suppose each share gets 0.1...
by InvestorNewb
Wed Mar 05, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Predicting dividend price per share
Replies: 9
Views: 412

Re: The market is on fire

It is yet another day to celebrate. :sharebeer

I remember when VTI was priced at $78 per share; I bought in and it seemed expensive at the time. It's crazy that it's already nearing the $100 price point.
by InvestorNewb
Tue Mar 04, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12456

Predicting dividend price per share

Hello,

Is there a way to predict what Vanguard's Total Stock Market ETF (VTI) will pay out at the end of the month?

Suppose it hits $100 per share at the end of the month. What can we expect the dividend price to be?
by InvestorNewb
Tue Mar 04, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Predicting dividend price per share
Replies: 9
Views: 412

Re: Banning +1 in Boglehead forums

Why don't the forum moderators implement phpbb's "like" button? This way people don't have to respond with "+1" in the actual post.
by InvestorNewb
Tue Mar 04, 2014 2:08 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 2147

Re: The Great 100 thousand dollar pension question.

If it was me, I would definitely pay the 100k to retire 5 years earlier.
by InvestorNewb
Sat Mar 01, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 65
Views: 6149

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

Thanks for the info. My new average expense ratio is 0.095%. 8-)
by InvestorNewb
Fri Feb 28, 2014 12:11 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4397

Re: The Estate lawyer cost us big

Fees of 100k on a 600k estate are outrageous.
by InvestorNewb
Fri Feb 21, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8881

Re: Tools for developing PHP / MySQL-based data driven web s

placeholder wrote:Nobody "needs" Javascript for anything.


I strongly disagree. BTW, I'm also a web developer and speak from experience.

The web would never evolve with a "nobody needs" mentality.
by InvestorNewb
Fri Feb 21, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Tools for developing PHP / MySQL-based data driven web site?
Replies: 72
Views: 4432

Re: Tools for developing PHP / MySQL-based data driven web s

placeholder wrote:Nobody "needs" Javascript for anything.


[OT comment removed by admin LadyGeek]
by InvestorNewb
Fri Feb 21, 2014 7:37 am
 
Forum: Personal Consumer Issues
Topic: Tools for developing PHP / MySQL-based data driven web site?
Replies: 72
Views: 4432

Re: Total Int. Stock % allocation?

Tom_T wrote:All depends on what your starting and ending points are, right? Stop that graph in 1989, and the all-international portfolio crushes the TSM portfolio. Or stop in 2007. Or 2010.


Good point - I didn't play around with the start/end dates - just picked the longest time frame available.
by InvestorNewb
Mon Feb 17, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 2984

Re: Total Int. Stock % allocation?

From 1972-2013, International diversification made virtually no difference. Portfolio 1: Total US Stock Mkt Portfolio 2: Intl Stock Market http://s30.postimg.org/h1l96wqc1/2014_02_17_124117.png http://s11.postimg.org/a2z09m9qr/2014_02_17_124315.png Source: http://www.portfoliovisualizer.com
by InvestorNewb
Mon Feb 17, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 2984

Re: How to invest $1.4 mil inheritance?

I would also be tempted to pay off the mortgage. Apart from that, I think you have a good plan.
by InvestorNewb
Sun Feb 16, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7463

Re: Vanguard REIT Fund Tax Form Now Up

Isn't investing REITs in taxable a big "no no"? Even more so than bonds, from what I understand.

Thankfully I keep all of my REITS in a tax-deferred account.
by InvestorNewb
Sat Feb 15, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT Fund Tax Form Now Up
Replies: 7
Views: 690

Re: Are REITs still overvalued, as they were in 2013?

Let me ask you this, how relevant would the performance of bond funds over the past 5 years (for example) be in terms of formulating expectations for the future? It's easy for many to understand that the decline in interest rates that has fueld past performance of bonds directly correlates to dimin...
by InvestorNewb
Fri Feb 14, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are REITs still overvalued, as they were in 2013?
Replies: 44
Views: 3341

Re: Are REITs still overvalued, as they were in 2013?

John3754 wrote:Performance chasing is a poor strategy.

I don't consider a long-term plan performance chasing. Everyone looks at how their funds have fared in the past; it's part of devising a good plan.
by InvestorNewb
Fri Feb 14, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are REITs still overvalued, as they were in 2013?
Replies: 44
Views: 3341

Re: Are REITs still overvalued, as they were in 2013?

Here is what keeps me ambitious about REITs: Portfolio 1 = Total US Stock Mkt Portfolio 2 = Intl Stock Market Portfolio 3 = REITs http://s18.postimg.org/pgajnics9/2014_02_14_134132.png http://s28.postimg.org/6mbv6cvf1/2014_02_14_134159.png Source: http://www.portfoliovisualizer.com They appear to be...
by InvestorNewb
Fri Feb 14, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are REITs still overvalued, as they were in 2013?
Replies: 44
Views: 3341

Re: Charts that plot total return including dividends

I think Google and Yahoo's charts both include dividends reinvested.
by InvestorNewb
Fri Feb 14, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Charts that plot total return including dividends
Replies: 5
Views: 347

Re: What are your favorite browser extensions?

Don't install AdBlock plus. Web sites rely on income generated from advertisements to stay alive.
by InvestorNewb
Fri Feb 14, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1686

Re: how to start investing at market highs?

This thread is a good reminder why market timing doesn't work.
by InvestorNewb
Fri Feb 14, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: how to start investing at market highs?
Replies: 40
Views: 4067
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