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Re: Large Inheritance for Kids -- Asset Allocation?

A good time to give it to them would be between the ages of 25-30. i.e. after they finish school and are trying to start their own lives. Why not plan your allocation around that time frame? I also think that if someone is financially irresponsible at 30 it will be hard to change their habits beyond...
by InvestorNewb
Fri Jan 30, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance for Kids -- Asset Allocation?
Replies: 29
Views: 1565

Re: How to respond when someone asks how much money you make

It's a rude question for someone to ask in the first place. I would just say "it's personal" and leave it at that.

Here is a funny video that came to mind on the topic: https://www.youtube.com/watch?v=5fYTCYL3Uz0
by InvestorNewb
Thu Jan 29, 2015 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 61
Views: 4587

Forecasting REIT dividends

Hello, I read in another post that over the past 41 years, REIT dividends have grown at a rate of 2.6% per year according to the NAREIT database. Let's suppose for simplicity that someone has 100k in REITs (VNQ) today. Based on the following data, I plugged some numbers into dividend-calculator.com:...
by InvestorNewb
Thu Jan 29, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Forecasting REIT dividends
Replies: 13
Views: 1152

Re: What to do with spare cash?

Hey AceJ it's just an opinion, but it's a good idea to add precious metals to your portfolio. In general, a holdings made of around 25% cash (and bonds), 25% gold/silver, 25% stocks, and 25% real estate keeps you nice and diversified so on a monthly basis with $100-$200 put some of that toward U.S....
by InvestorNewb
Thu Jan 29, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with spare cash?
Replies: 22
Views: 1937

Re: VNQ & VNQI

I have 18% of my portfolio in VNQ. Probably more like 20% since VTI has REIT too.

I do not hold VNQI because I do not think international REIT laws are the same.
by InvestorNewb
Wed Jan 28, 2015 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 9
Views: 988

Re: Are any US-only investors having 2nd thoughts?

Newb, Newb, Newb... Newb... some of the threads you start (bored when market is closed).... and, now this... :oops: I'm starting to think he's trolling; way too many threads started like this that are obviously anti-Boglehead. Care to explain how the thread is anti-Boglehead? If anything, it is pro...
by InvestorNewb
Wed Jan 28, 2015 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4333

Are any US-only investors having 2nd thoughts?

Even though we are only 27 days into the year, the international stock index is finally showing some benefit in the portfolio. Vanguard Total Stock Market ETF (VTI) is down -0.6 YTD Vanguard Total International Stock ETF (VXUS) is up +2.3% YTD It may be a silly question, but are any of the die-hard,...
by InvestorNewb
Tue Jan 27, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4333

Re: Alternatives to Network Solutions for renewng website do

I've been using Namecheap for many years without any issues. They also have 2FA which is a plus.
by InvestorNewb
Tue Jan 27, 2015 11:54 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Network Solutions for renewng website domain
Replies: 10
Views: 444

Re: Back in 2011

I still find the topic interesting.
by InvestorNewb
Mon Jan 26, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Back in 2011
Replies: 6
Views: 648

Re: Transfering Euros to Dollars?

In Canada there is a process called Norbet's Gambit:
http://www.finiki.org/wiki/Norbert%27s_Gambit

It is by far the cheapest way to exchange CAD <-> USD.

I'm sure there must be a similar process for EUR <-> USD.
by InvestorNewb
Mon Jan 26, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfering Euros to Dollars?
Replies: 11
Views: 674

Re: Vanguard added additional security!

Apart from your bank account, is there really a need to check your investment accounts while you are on vacation? Probably not... When I was in Europe for three weeks, it was the only time I really "tuned off" my investments because I was doing other stuff. It was nice to take a break from...
by InvestorNewb
Fri Jan 23, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18347

Re: Vanguard added additional security!

It would be nice if all financial institutions adopted 2FA.
by InvestorNewb
Fri Jan 23, 2015 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18347

Re: Gotta Be a Bear Market Coming

The international stock index has been in a bear market for the last 7 years or so... it's already here.
by InvestorNewb
Fri Jan 23, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7663

Re: Malware problem on new PC

I use Super AntiSpyware (free edition): http://superantispyware.com/

I discovered it by trying to remove a virus from my PC, when no other software would work. It did the job and I've been using it ever since.
by InvestorNewb
Wed Jan 21, 2015 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2627

Re: What age did you hit $100,000?

At age 26 due to savings; no investments at the time. I remember feeling "rich" at the $70k mark.

I have significantly more today at 32 but I do not feel rich. Rich is when you have the ability to leave your job, and not worry/stress about finances. I'm not there yet.
by InvestorNewb
Wed Jan 21, 2015 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5828

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

Wow. How can someone lose that much money? That's insane.
by InvestorNewb
Wed Jan 21, 2015 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6661

Re: good time to invest in a Reit Index fund?

... REITs are actually more volatile than total stock and historically don't perform as well, though I don't know if these stock charts on Google finance take dividends into consideration. Here are some stats that I pulled from portfoliovisualizer.com: From 1972-2014, - $10,000 in the US Stock Mark...
by InvestorNewb
Wed Jan 21, 2015 10:08 am
 
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 4466

Bored when market is closed

Does anyone else get bored/annoyed when the market is closed? I was looking forward to making some money today but forgot about the holiday.

It should be open 24/7/365.
by InvestorNewb
Mon Jan 19, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2096

Re: The DOW: An Index I Love to Hate

furwut wrote:Despite all the gripes hasn't the DOW's performance closely mirrored the S&P 500?


Pretty much

Image
by InvestorNewb
Mon Jan 19, 2015 11:11 am
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1943

Re: Mobile version

Thanks for the info
by InvestorNewb
Fri Jan 16, 2015 8:22 pm
 
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 2
Views: 316

Mobile version

Hello,

Are there any plans to make bogleheads.org mobile-friendly?

I notice the Canadian version of the site is mobile-friendly but not the more popular bogleheads.org.

I believe this would just be a matter of upgrading the site to the most recent version of phpBB.
by InvestorNewb
Fri Jan 16, 2015 7:23 pm
 
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 2
Views: 316

Re: Bought more REITs today

Not that I am negative on REITS, but I think you should look back at your post and learn from the statement that interest rates are 'on the rise,' not whether REITs have performed ok. Take a look at rates in 2013 vs now and ask yourself if your instincts or prognosticator statements about market di...
by InvestorNewb
Tue Jan 13, 2015 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4656

Re: Bought more REITs today

Maybe I'm an idiot (with interest rates on the rise) but I just bought 10k of VNQ today. I couldn't resist the price being lower than what I bought it at 7 months ago with my original lump sum (~$69). I had the cash and the contribution room in my tax-deferred account, so I figured why not. REITs n...
by InvestorNewb
Tue Jan 13, 2015 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4656

Re: Why not just let cash be cash?

If you've already "made it" then cash is fine. Most of us aren't there yet and want to grow our worth.
by InvestorNewb
Mon Jan 12, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2515

Re: Need help informing my father he is making a mistake

The first question is, did your father ask for your advice? If the answer is no, then stop. Do not do anything. It is not your money or your business. If he did ask for your advice, then give it and let him make his decision. It's not more complicated than that. +1 investor I'm not sure that I agre...
by InvestorNewb
Mon Jan 12, 2015 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4917

Help clarify "expected future return"

I keep reading a number of posts that read something to the effect of "because the price of x is low today, means that its expected future return will be higher." Can someone please explain how a low share price (today) can impact future returns? I'm just looking for a simple explanation b...
by InvestorNewb
Fri Jan 09, 2015 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Help clarify "expected future return"
Replies: 12
Views: 726

Re: The Callan Periodic Table of Investment Returns 2014

How come it doesn't show individual sectors? REITs would be at the top of the list for 2014.
by InvestorNewb
Thu Jan 08, 2015 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table of Investment Returns 2014
Replies: 26
Views: 3601

Should heat be left on?

Last night I turned my heat off and in the middle of the night, I heard something burst. It sounded like a gun shot but I'm pretty sure it was a pipe. Luckily my heat/water still works this morning. I live in an apartment building and only turn my heat on for brief periods when it is really cold. In...
by InvestorNewb
Thu Jan 08, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3350

Re: What to do with my stupid losses?

Consider it a lesson learned and just be glad there isn't an extra zero on top of that $1000 loss.
by InvestorNewb
Wed Jan 07, 2015 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my stupid losses?
Replies: 16
Views: 1537

Re: Question regarding Vanguard's REIT fund

It may or may not be related. Have a look at this thread: viewtopic.php?f=10&t=154969
by InvestorNewb
Wed Jan 07, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question regarding Vanguard's REIT fund
Replies: 3
Views: 760

REIT predictions for 2015

Without looking at what the "experts" are guessing, how do you think US REITs (VNQ) will fare in 2015? Do you have any particular reasons for your guess? VNQ makes up about ~17% of my portfolio, so I enjoyed the returns last year. In our early start to the year, they are also proving to be...
by InvestorNewb
Tue Jan 06, 2015 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1384

Re: Airlines: Could 2015 be another great year?

InvestorNewb, slbnoob has a point. I'd like to ask you: what's your reason for asking this question? I admit that when I read your post, I inferred that you were considering whether or not to take some investment action. You are right in that I was considering buying some airline stocks. I posted b...
by InvestorNewb
Mon Jan 05, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Airlines: Could 2015 be another great year?
Replies: 16
Views: 2476

Re: Question about yield for VNQ/VXUS

Thanks! This is what I figured. I guess I will leave my VNQ shares alone.
by InvestorNewb
Sun Jan 04, 2015 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Question about yield for VNQ/VXUS
Replies: 4
Views: 708

Re: "The Global Portfolio" -- Vanguard Research

Is it me or is it in Vanguard's best interest to be more negative than positive?

If the outlook is positive, but the outcome is negative, people might see Vanguard in a different light. On the contrary, if the outlook is negative, but the outcome is positive, everyone is happy.
by InvestorNewb
Sun Jan 04, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: "The Global Portfolio" -- Vanguard Research
Replies: 14
Views: 1115

Question about yield for VNQ/VXUS

I'm currently employing somewhat of a dividend strategy in my tax-deferred account simply by holding REIT shares (VNQ). The yield for VNQ is 3.13. The yield for the Total International Stock index (VXUS) is even higher at 3.37. I've "toyed" with the idea of selling my VNQ shares for VXUS i...
by InvestorNewb
Sat Jan 03, 2015 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Question about yield for VNQ/VXUS
Replies: 4
Views: 708

Re: Rick Ferri looking to internationalize his portfolio

I don't see long-term investments as market timing. It's just an increase in international exposure based on logical reasoning. As opposed to illogical reasoning? How do you know it's logical, ex ante? Informally, two kinds of logical reasoning can be distinguished in addition to formal deduction: ...
by InvestorNewb
Sat Jan 03, 2015 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 230
Views: 26364

Re: Rick Ferri looking to internationalize his portfolio

I don't see long-term investments as market timing. It's just an increase in international exposure based on logical reasoning.
by InvestorNewb
Sat Jan 03, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 230
Views: 26364

Re: 20% to REITs?

My REIT allocation is high at about 17%. What's nice about REITs is the dividend yield is high ... not as high as they used to be but they still trump the total market indexes. I held onto my REIT shares in 2013 when they were having a bad year, and it paid off in 2014. Wish I could say the same thi...
by InvestorNewb
Thu Jan 01, 2015 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20% to REITs?
Replies: 22
Views: 2645

Re: What are you up YTD?

How does morningstar calculate the rate of return ? They report that I'm up 10.42% for the year. But here are my holdings:

VTI: +10.95%
VXUS: -6.86%
VCE: +9.45%
VNQ: +24.83%

Something doesn't seem right.
by InvestorNewb
Thu Jan 01, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30088

Re: What are you up YTD?

Here are my final YTD stats for 2014:

Stocks: 100%
Bonds: -

Up: 10.41%
by InvestorNewb
Wed Dec 31, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30088

Airlines: Could 2015 be another great year?

I read an article that said airlines did really well in 2014 thanks to low fuel prices. I looked up YTD stats for some of the top airlines: Virgin America +46% JetBlue +86.07% Hawaiian Airlines +170.4% Delta Air Lines +79.21% Alaska Airlines +62.93% US Airways +76.31 Southwest Airlines +123.83% It s...
by InvestorNewb
Wed Dec 31, 2014 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Airlines: Could 2015 be another great year?
Replies: 16
Views: 2476

Re: Vanguard Expenses

We should be thankful that the fees are already as low as they are.
by InvestorNewb
Tue Dec 30, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Expenses
Replies: 18
Views: 2220

Re: businesss checks

I ordered my business checks from ASAP checks:
http://www.asapchecks.com/shop/c-4389.htm

They are among the cheapest out there. Delivery was also very fast.
by InvestorNewb
Sat Dec 27, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: businesss checks
Replies: 10
Views: 678

Re: Once in a lifetime moment

I will take that "problem" any day. :happy
by InvestorNewb
Sat Dec 27, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once in a lifetime moment
Replies: 12
Views: 2447

Re: Excel question

Awesome - thanks all! :beer
by InvestorNewb
Fri Dec 26, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Excel question
Replies: 18
Views: 2010

Excel question

I have been adapting my investing spreadsheet to make it more automated and easier to manage. It was already very easy to manage before, but now it's even less work. However, I've stumbled upon a minor inconvenience that I would like to change. I have two cells, both of which have numbers with multi...
by InvestorNewb
Fri Dec 26, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Excel question
Replies: 18
Views: 2010

Re: Supporting the Operating Costs of the Forum

Does Vanguard provide any financial support for the servers?

I'm guessing no given the topic of this thread. But why don't they? If it wasn't for the forum, many of us wouldn't have found Vanguard - including myself.
by InvestorNewb
Wed Dec 24, 2014 3:39 pm
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 35
Views: 4420

Re: Dividend Growth Investing Vs. 3F portfolio

Interesting topic. I posted a few weeks ago about how rather than blowing some "personal splurge" money I had on a car and vacation I chose to purchase enough of 3 stocks to pay ~$500 per months in dividends. So far, so good. I do enjoy seeing the $500ish bump in my MMF every month and du...
by InvestorNewb
Wed Dec 24, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing Vs. 3F portfolio
Replies: 25
Views: 3100
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