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Re: Higher Dividend Three Fund Portfolio Idea

The top 10 holdings of VYM are almost the same as VTI.

If I had to guess, I would say the future returns won't be significantly different than total market. But I would rather go with total market to cover everything.
by InvestorNewb
Fri Sep 19, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1580

Re: VNQ dividend

VNQ is the US REIT index. Looks like it will be announced on Monday.
by InvestorNewb
Fri Sep 19, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 4
Views: 583

Re: AliBaba

ArthurO wrote:1000 shares at $75, it goes to 90 or more I sell, can't get it on 2ndary market for that price, I don't buy, I get it and goes down, hold it for long term, this is my gambling money....

Is risking $75,000 worth it to make $15k? I'd rather buy more shares of VTI.
by InvestorNewb
Fri Sep 19, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 89
Views: 5251

Re: Yes, It's Dividend Time

You had me thinking the dividend rates were posted on Vanguard's web site. To my dismay, they haven't been yet.
by InvestorNewb
Thu Sep 18, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7152

Re: Vanguard's Market Neutral Fund

The expense ratio is 1.6%. Not sure why anyone would want it...
by InvestorNewb
Wed Sep 17, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Market Neutral Fund
Replies: 4
Views: 536

Re: Good hobby for a bright/obsessive 9 year old?

pennstater2005 wrote:
InvestorNewb wrote:
livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.


After they're dead, of course. We did it when I was in elementary school.

Where do you find dead insects?
by InvestorNewb
Mon Sep 15, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3023

Re: Good hobby for a bright/obsessive 9 year old?

livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.
by InvestorNewb
Mon Sep 15, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3023

Angry when stock market is down

Does anyone else get angry/edgy/cranky on days where the stock market is down? In the last couple of days, I find little things "set me off". But maybe it could also be other factors in my life.

For instance, it's annoying to see REITs down 1.8% today. I won't sell, but I'm just annoyed.
by InvestorNewb
Fri Sep 12, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3982

Re: Neighborhood kid around 13 throwing rocks at my house

I would first make sure that you have the right kid. Talk to him and tell him know that you know about his rock throwing. Tell him that you will be going to his parents if he doesn't stop. If he continues, go to the parents... They will most likely be thankful that you let them know about their chil...
by InvestorNewb
Fri Sep 12, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3105

Re: How would you handle this situation ?

I would just quit. Start your own potluck with another group of people.
by InvestorNewb
Fri Sep 12, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2607

Re: Where can I get a [toddler-friendly weekend] job? Update

It's important not to wear yourself out, either. I find that when I overwork/stress I end up getting sick - usually in the form of a cold.

Health needs to be your first priority.
by InvestorNewb
Thu Sep 11, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3640

Re: Vanguard Lost $50k

I'm happy to hear everything worked out for you.
by InvestorNewb
Thu Sep 11, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10726

Why did REITs drop today?

Hello,

I'm trying to figure out why REITs fell 1.58% today, even though the rest of the stock market did okay.

Any ideas as to the reason behind this?
by InvestorNewb
Wed Sep 10, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4045

Re: 50 year old looking for retirement advice & help...

You could also live another 40 years. I wouldn't let age discourage you. 50 is the new 40.
by InvestorNewb
Tue Sep 09, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 year old looking for retirement advice & help...
Replies: 15
Views: 2001

Re: ROTH IRA - VGSIX vs VNQ

Here is another page on ETFs vs. mutual funds:

http://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by InvestorNewb
Tue Sep 09, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - VGSIX vs VNQ
Replies: 5
Views: 260

Re: Do you keep paper copies of your investment statements?

Are you saying that you download and save electronic copies of your statements, or are you saying that you do not download the electronic statement but instead rely on having access to the electronic statements on the company's website? I currently do not download and save electronic copies of my s...
by InvestorNewb
Tue Sep 09, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1893

Re: Prioritizing: Dream Home vs. Retirement Savings

Personally I would rather use that money to travel. I don't have any desire to own a beach house, or even a cottage. It seems like they are a lot of work to maintain.

Renting sounds like a better idea.
by InvestorNewb
Tue Sep 09, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Prioritizing: Dream Home vs. Retirement Savings
Replies: 33
Views: 2062

Do you keep paper copies of your investment statements?

I recently moved to a new apartment and in an effort to reduce clutter I threw out all of my investment statements from my broker. I still receive a statement every month in the mail and I throw that out too. I find it annoying to keep because the stack gets big and dusty after awhile. In short, is ...
by InvestorNewb
Tue Sep 09, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1893

Re: Vanguard Lost $50k

And then it's only about 1% of your assets at Vanguard. You should be proud that it really doesn't matter in the end what happens to this $50K. Really. Net worth is irrelevant here. The bottom line is they somehow managed to misplace 50k and don't appear to be in any hurry to resolve it. OP has eve...
by InvestorNewb
Sat Sep 06, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10726

Re: Own individual stocks? Advisor recommends 20% in blue ch

A 1% fee is too high - I pay 1/10th of that. Total return is what matters.
by InvestorNewb
Fri Sep 05, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2652

Re: Dollar Cost Averaging vs. Lump Sum

The original post was made a year ago. It would be interesting to know if the OP used lump sum or DCA method.
by InvestorNewb
Tue Sep 02, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging vs. Lump Sum
Replies: 31
Views: 3150

Re: WSJ: Firing One's Advisor

I can't read the article without an account. Any alternate links? :?:
by InvestorNewb
Fri Aug 29, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 2137

Re: Help out family without compromising my own retirement?

How old are your siblings? Do they suffer from any disabilities? If not, they should be supporting themselves and/or helping.

You are already doing a lot for the family...good on you.
by InvestorNewb
Fri Aug 29, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5608

Re: 3MM Casino Jackpot

I would also take the lump sum.
On a side note: I know someone who won $30,000 at the casino. He spent several 100 thousand dollars to win it. :oops:
by InvestorNewb
Fri Aug 29, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3MM Casino Jackpot
Replies: 10
Views: 1802

Re: Keeping mold out of bath/shower

I felt obligated to post what product worked for me, and here it is: http://i.walmartimages.com/i/p/00/04/46/00/01/0004460001195_500X500.jpg (Tilex Mold & Mildew Remover) It eliminated ALL of the mold/mildew, even the mold that was stuck in the sealant (the part I feared would not come out).
by InvestorNewb
Fri Aug 29, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3124

Re: How low can Vanguard Fees Go?

I can see VTI going to 0.04% in order to compete with Schwab. I also see other funds going lower as they accumulate more assets.
by InvestorNewb
Fri Aug 29, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2216

Re: Poll: How many own zero/few stocks?

SuperSaver wrote:Just trying to gauge how truly committed those on here are: How many of you are all-in with indexed funds only?

I am. (see sig) very pleased with returns too.
by InvestorNewb
Fri Aug 29, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2741

Re: My husband's " WILL", $ left for me to live on....

No offense, but are we being trolled? Is this post legit? :?:
by InvestorNewb
Thu Aug 28, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17354

Re: Questions for Landlords

It doesn't seem right to charge tenants to clean the place, especially good tenants. I lived in a rental for over 4 years, and the unit needed a lot of work/repairs. I rarely bothered my landlord - only for the major things. It wouldn't be right to charge me to clean the place after all of that, esp...
by InvestorNewb
Wed Aug 27, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1497

Re: Questions for Landlords

I think the landlord should at least be responsible for item #1. From my experience, most people do not bother allocating the time or effort when they move out to thoroughly clean a rental. I think it is commonly accepted that this falls into the landlord's responsibilities. As for #2 and #3, it dep...
by InvestorNewb
Wed Aug 27, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1497

Re: compartion btween ishares and vg ETFs

I would go with Vanguard since they started low-cost investing. They should be rewarded for their efforts.

My portfolio is 100% Vanguard.
by InvestorNewb
Wed Aug 27, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: compartion btween ishares and vg ETFs
Replies: 11
Views: 1087

Re: Motif Investing - own the S&P500 for less

What happens when the S&P committee removes a stock from its index or adds a new one? How do you factor that in?
by InvestorNewb
Wed Aug 27, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5337

What are you up YTD?

Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%
by InvestorNewb
Tue Aug 26, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7829

Re: International allocation

I'm about 30% international. Right on par with Vanguard's Target Retirement funds.
by InvestorNewb
Mon Aug 25, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4249

Re: S&P500 over 2000

linenfort wrote:All I can say is, I own VFIAX and I'm smiling. :happy

Not that it makes much difference, but why did you choose the S&P 500 over TSM?

I am also happy with my returns.
by InvestorNewb
Mon Aug 25, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5432

Re: Is it me, or are "collectibles" worthless in 2014?

I used to collect comic books when I was younger..now have boxes of them. Wish I collected domain names instead. :D
by InvestorNewb
Mon Aug 25, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6183

Re: Buy & Hold Forever Blue Chip Stocks???

^ You may want to post the above in a new thread.
by InvestorNewb
Mon Aug 25, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 4364

Re: What 5 stocks can I own forever?

Here are your 5 stocks:

WFC - Wells Fargo
KO - Coca Cola Co.
AXP - American Express
IBM - International Bus. Machines
WMT - Wal-Mart Stores

The only reason I chose these is because they are Warren Buffett's largest holdings.
by InvestorNewb
Mon Aug 25, 2014 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4547

Why don't utilities get any praise

It seems that common tilts are towards small cap, REIT, or health care. But rarely do you read, at least on these forums, about people tilting towards utilities. Thanks to a recent thread by Gambler, I recently learned that utilities pays the highest dividend among all the Vanguard funds at 3.5%. Fo...
by InvestorNewb
Fri Aug 22, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3736

Re: Do you tip on the tax?

I tip based on the service quality.

I once tipped $0.01 because the waiter didn't give me any more "free" refills.
by InvestorNewb
Fri Aug 22, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5078

Re: Dividend income strategy: Pick the fund with highest yie

Gambler wrote:but does REITs (ie: VNQ) dividends qualify for lower tax rates?

I think they are taxed as ordinary income -that's why I keep them in tax-deferred.
by InvestorNewb
Thu Aug 21, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend income strategy: Pick the fund with highest yield?
Replies: 9
Views: 928

Re: Dividend income strategy: Pick the fund with highest yie

I didn't realize that utilities paid a higher dividend than REITs... interesting. I would try and find the oldest utilities index available for comparison. How has it fared to the S&P 500 over a 20-30 year period? I also like the idea of a dividend strategy in a tax-deferred account, and I am us...
by InvestorNewb
Thu Aug 21, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividend income strategy: Pick the fund with highest yield?
Replies: 9
Views: 928

Re: Look for the Butterfly!

I agree that nisiprius is an invaluable member to the forum. His answers are always spot-on.
by InvestorNewb
Wed Aug 20, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Look for the Butterfly!
Replies: 4
Views: 725

Re: Purpose of VTIAX?

One is US and one is international. If you shared the fund names with us (and not just the tickers) you would know that. :wink: The purpose of holding both is diversification. Just because VTSAX has outperformed VTIAX does not mean that it will continue to do so in the future. There could be times w...
by InvestorNewb
Wed Aug 20, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purpose of VTIAX?
Replies: 5
Views: 482

Re: Any reason I should not pick the admiral funds equivalen

Ok, that's my contribution. Who else has something even more far-fetched? - Perhaps the investor wants to feel 'on the same level' and be able to relate to his friends, so he invests in the investor shares. (doesn't want to have the ability to brag) or - He is afraid of giving clues to his signific...
by InvestorNewb
Wed Aug 20, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason I should not pick the admiral funds equivalent?
Replies: 18
Views: 1685

Re: Any reason I should not pick the admiral funds equivalen

You can also buy the ETFs which have the same MERs as the admiral class. That's what I do.
by InvestorNewb
Wed Aug 20, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason I should not pick the admiral funds equivalent?
Replies: 18
Views: 1685

Re: Blog:iShares to close target retirement ETFs

Glad I chose Vanguard...
by InvestorNewb
Wed Aug 20, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Blog:iShares to close target retirement ETFs
Replies: 12
Views: 1026

US REITs already have international exposure

I had some time today to look up the 10 largest holdings of Vanguard REIT ETF (VNQ). 5 out of the 10 companies already have international exposure. 1) Simon Property Group Inc. Our industry-leading retail properties and investments across North America, Europe and Asia provide shopping experiences f...
by InvestorNewb
Tue Aug 19, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: US REITs already have international exposure
Replies: 14
Views: 1253

Re: REITS, emerging markets, small cap growth, or all three?

kazper wrote:Perhaps I need to stick with the three fund portfolio and quit over analyzing everything. :oops:

I think this would be the best option. I've been in your shoes before.
by InvestorNewb
Tue Aug 19, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS, emerging markets, small cap growth, or all three?
Replies: 8
Views: 623
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