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Re: What's your number?

I'd like to have between 5-10 million in today's dollars by age 65. I'm 100% equities right now in an effort to make that a reality.
by InvestorNewb
Wed Apr 23, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 61
Views: 3411

Re: Son or Daughter working with Mom or Dad?

Are you sure your son would want to work with you? Many kids at that age might prefer to be away from their parents.
by InvestorNewb
Wed Apr 23, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 15
Views: 810

Re: Does Asset Allocation beat the S&P 500?

I posted a similar question here which you may find helpful: viewtopic.php?f=1&t=109413
by InvestorNewb
Tue Apr 22, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Does Asset Allocation beat the S&P 500?
Replies: 75
Views: 3376

Re: Hedge fund fees

Everyone invested in US stocks made a lot of money last year. Which hedge fund(s) are you referring to?
by InvestorNewb
Mon Apr 21, 2014 7:45 am
 
Forum: Investing - Theory, News & General
Topic: Hedge fund fees
Replies: 12
Views: 941

Re: Save an entire website?

by InvestorNewb
Sun Apr 20, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Save an entire website?
Replies: 5
Views: 652

Re: Please critique my 300k portfolio

Why so heavy on bonds given your age in a previous post?
by InvestorNewb
Sun Apr 20, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 12
Views: 1831

Re: *poor* Bogleheads

There is a sense of "superiority" on this forum from some of the members. Not necessarily due to wealth but more in the area of perceived social position due to occupation and attained education level. Kind of a blue-blood attitude (My children are going to expensive private schools/I am ...
by InvestorNewb
Fri Apr 18, 2014 8:56 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5344

Re: Asset allocation over time

Calm Man wrote:I think that once over 40 or so, you could just go 50/50 for life. It is easy to do and probably just fine.


It seems to me that is too much on the conservative side. At 40 you might still live another 60 years.

Personally I will change asset allocation based on specific milestones.
by InvestorNewb
Fri Apr 18, 2014 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1232

Re: How to avoid ads and not get tracked

I say this every time I see this recurring thread title.... but remember that web sites rely on ad revenue to stay alive. Nothing wrong with blocking obtrusive ads that truly annoy and disorient the user (i.e. popups) but I don't see why context-specific ads should be blocked.
by InvestorNewb
Fri Apr 18, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2755

Re: *poor* Bogleheads

It's important to remember that a six figure salary might sound like a lot, but it isn't if you live in a HCOL area. Also don't forget that folks often combine the portfolio of two people (i.e. to include their significant other) which means you are seeing the net worth of two individuals and not one.
by InvestorNewb
Fri Apr 18, 2014 7:03 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5344

How high of an allocation to REITs?

Hello, I have more room in my tax-deferred account, and I'm debating about using it to buy more shares of VNQ. Currently, REITs make up about 14% of my portfolio. The new contribution will bring it closer to 16%. I like the high dividend of VNQ, but not the seemingly low number of stocks (104) compa...
by InvestorNewb
Thu Apr 17, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2831

Re: Where are the Opportunities now ?

Bogleheads don't believe in market timing and therefore don't believe in "opportunities".
by InvestorNewb
Thu Apr 17, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 28
Views: 1992

Re: Draft email to investment advisor re outperforming Total

I agree with the poster above. It seems you have already made your mind.
by InvestorNewb
Thu Apr 17, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2403

Re: Let's say we live for 150 years...

Thanks for the article.

Figure 1 shows a real return of 1.1% from 1900 through 2012.


I don't understand the gold bugs out there like Peter Schiff and especially Mike Maloney, who has bet his life on gold and silver.
by InvestorNewb
Thu Apr 17, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 20
Views: 3417

Re: U.S. stocks in freefall

I agree with keeping this thread open. It's one of my favorite threads and a good reminder why we should simply buy and hold.
by InvestorNewb
Thu Apr 17, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 123074

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: 37
Views: 5423

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: 362

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: 362

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: 17
Views: 1118

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: 12
Views: 1180

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: 37
Views: 5423

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: 1884

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: 2066

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: 4006

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: 3177

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: 6567

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: 175
Views: 16556

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: 1931

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: 1156

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: 5898

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: 5898

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: 572

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: 1766

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: 1680

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: 2241

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: 1983

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: 1355

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: 821

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: 2821

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: 4276

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: 4431

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: 5852

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: 6220

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: 4579

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: 416

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: 12461

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: 416

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: 2183
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