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Re: How to cash in Savings bonds (from 80s)

What are they worth today?
by InvestorNewb
Wed Jul 23, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to cash in Savings bonds (from 80s)
Replies: 4
Views: 477

Re: Do i need a new ein

Mind if I ask what game(s) you play as a professional gambler?
by InvestorNewb
Mon Jul 21, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do i need a new ein
Replies: 4
Views: 572

Re: how often do you look at your account

About 2-3 times per week.
by InvestorNewb
Sun Jul 20, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3526

Re: Stop Loss on stocks/ ETFs

I had a similar question here which you may find helpful: viewtopic.php?f=1&t=114319
by InvestorNewb
Sun Jul 20, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss on stocks/ ETFs
Replies: 12
Views: 877

Re: ETF Liquidity for the long term

Vanguard mutual funds aren't offered in Canada. So for Canadians who want to invest with Vanguard, ETFs are the only option - which I'm fine with.
by InvestorNewb
Fri Jul 18, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: ETF Liquidity for the long term
Replies: 12
Views: 897

Re: Should non-US investors buy US-listed REITS?

I'm a Canadian investor and have my tax-deferred account (RRSP) maxed out with REITs (VNQ). I pay no withholding tax.
by InvestorNewb
Fri Jul 18, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Should non-US investors buy US-listed REITS?
Replies: 31
Views: 1755

Re: Relatively safe investment for large sump

Cash or CDs... 3% or higher without any risk doesn't exist.
by InvestorNewb
Thu Jul 17, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively safe investment for large sum
Replies: 43
Views: 3192

Re: POLL: Do you have a dedicated REIT allocation?

About 16% REITs. They pay good dividends.
by InvestorNewb
Wed Jul 16, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6878

Re: Bet it ALL on Small Cap Value when you're young

With that logic, why not bet it all on Emerging Markets? It dwarfs SCV.

Image
Source: http://www.portfoliovisualizer.com
by InvestorNewb
Mon Jul 14, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6094

Investing is starting to get boring

I get a little excited when dividends are paid out in cash, but I am now starting to get bored of investing. It was fun in the beginning asking questions, dreaming about the future, and exploring/proposing different plans - even though some of them were unorthodox. How does one keep the passion aliv...
by InvestorNewb
Sun Jul 13, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3841

Re: Vanguards Devil's Advocate

I haven't read the whole thread, but I would say dividend investing is a "rival" to the vanguard investment philosophy.
by InvestorNewb
Mon Jul 07, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguards Devil's Advocate
Replies: 55
Views: 7120

Re: I Hit My Number Today!

You have us curious. What is your number?
by InvestorNewb
Fri Jul 04, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3288

Re: Adult child @ home

Most people end up in a field that is unrelated to their degree, so I wouldn't be so quick to judge.

The important part is that she finishes in a reasonable time period and gets that piece of paper.
by InvestorNewb
Fri Jul 04, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Adult child @ home
Replies: 23
Views: 2144

Re: Having Doubts About My 60/40 Allocation

I think it also comes down to how much cash you have to invest. If it's less than 6 figures, go for it. If it's more than that, think about it some more.

I am 31 and do not have any bonds, but I'm okay with that. It paid off well in the last year and hopefully it will continue to do so.
by InvestorNewb
Fri Jul 04, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Having Doubts About My 60/40 Allocation
Replies: 43
Views: 3073

Re: High Dividends in Developed Markets Fund

The sad truth is that the companies you invested in are making a lot of money and paying fat dividends. While Vanguard would like to spend all that cash on new Mercedes for its portfolio managers, it regrettably has no choice but distribute the funds to you. It's a tough spot to be in. All we can d...
by InvestorNewb
Fri Jul 04, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1191

Re: Stick with Vanguard or take Fidelity "special deal"?

Vanguard ETFs probably have a lower bid-ask spread than Fidelity because their shares are traded more frequently. This is just a guess so don't quote me on it. Personally I would stay with Vanguard if their expense ratios are cheaper. If a few minor inconveniences on the web site are a big problem t...
by InvestorNewb
Thu Jul 03, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3054

Re: How are you doing through the first half of 2014?

I'm up 9.5% YTD (according to Morningstar).
by InvestorNewb
Thu Jul 03, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9311

Keeping mold out of bath/shower

Any tips for keeping mold out of the bath/shower area? I am specifically referring to the tiles on the bottom walls of the shower (where the tub meets the wall) and especially the sealant. I moved into a new apartment 3 months ago, and already black mold is visible on the sealant. Can't seem to scru...
by InvestorNewb
Wed Jun 25, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2186

Help devising winning roulette system

Hello, A few years ago, I was going to the casino every day for two weeks straight (true story). I was making $50 per day and then lost $800 on the very last day due to an extremely unlucky pattern of numbers that came up. I have been thinking about going back, and have put more thought into my stra...
by InvestorNewb
Mon Jun 23, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Real estate swap concerning inheritance

Why doesn't your brother transfer his half of the land to his son instead?

I am also confused.
by InvestorNewb
Mon Jun 23, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate swap concerning inheritance
Replies: 10
Views: 752

Trying to understand dividends

Hello, The Vanguard Total Stock Market ETF (VTI) is set to pay a dividend of $0.42 per share on 06/30/2014. A year and a half ago (at the end of 2012) it paid a dividend of $0.545. At the time, the price of each share was around $72. Doesn't this seem low given the current price of each share is gre...
by InvestorNewb
Mon Jun 23, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to understand dividends
Replies: 5
Views: 480

Re: Do frozen fruits have to be washed?

livesoft wrote:Do you trust the source of your fruit?


The company is called Europe's Best. I just contacted them with this very question, so we'll see what they say.

I don't have any reason to trust/not trust them.
by InvestorNewb
Sun Jun 22, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Do frozen fruits have to be washed?
Replies: 17
Views: 1496

Do frozen fruits have to be washed?

I bought a blender for the first time and just finished stacking my freezer with about 15 bags of various frozen fruit, from blueberries to cantaloupe. This was thanks to a sale that was on at the grocery store. Normally I always wash fruit before eating, but do frozen fruits have to be washed as we...
by InvestorNewb
Sun Jun 22, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Do frozen fruits have to be washed?
Replies: 17
Views: 1496

Re: Boglehead Newbie pulled the trigger....

Congrats! You will now be saving a ton in management fees. :sharebeer
by InvestorNewb
Fri Jun 20, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Newbie pulled the trigger....
Replies: 9
Views: 929

Re: If I am young, why not invest in a risky fund?

Given your age and desired risk, why not remove bonds all together? If I were in your shoes, I would choose one of the following: Portfolio 1: 70% - VTI 30% - VXUS Portfolio 2: 100% - VT I wouldn't bother "slicing and dicing" into REITs or Health Care until you have significant assets. i.e...
by InvestorNewb
Fri Jun 20, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3154

Re: If I am young, why not invest in a risky fund?

I had a similar idea about going all into REITs in June of last year:

viewtopic.php?f=1&t=118637
by InvestorNewb
Fri Jun 20, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3154

Re: If Harvard invested in Vanguard...

I'm surprised there isn't more of an uproar about the abysmal returns.

It doesn't matter how good of a salesman somebody is... the numbers speak for themselves.
by InvestorNewb
Thu Jun 19, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5043

Re: New Portfolio: what to do with 2.5M to 5.5M?

There is a good post here from Taylor Larimore about keeping things simple: viewtopic.php?t=42780

... you may want to have a read.
by InvestorNewb
Thu Jun 19, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Portfolio: what to do with 2.5M to 5.5M?
Replies: 38
Views: 4365

Re: Late starters: what age did you start investing?

I started about two years ago at age 30. I don't regret not starting earlier, considering the events that took place in 2001 and 2008.
by InvestorNewb
Thu Jun 19, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5516

Re: New Portfolio: what to do with 2.5M to 5.5M?

There are too many funds. Like the last poster suggested, I would edit your post to include the fund names instead of tickers.
by InvestorNewb
Thu Jun 19, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Portfolio: what to do with 2.5M to 5.5M?
Replies: 38
Views: 4365

Re: Retirees: Equity holdings of 90%+

Curious about those of you who have a substantial portion of your portfolio in equities. All of my investments are in equities. I have some cash, but it accounts for <10% of my portfolio. What is it that leads you to do this I want to maximize growth so that by the time I retire I have a nice nest ...
by InvestorNewb
Wed Jun 18, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: Equity holdings of 90%+
Replies: 14
Views: 1614

Re: Amsterdam

I was there a few weeks ago and stayed at the Luxor hotel. Nice place and it's right downtown.

You could go to the Anne Frank house or Madame Tussauds museum but be prepared to wait in long lineups.

Oh yeah: on a busy night, the red light women will try to scam you. I won't be going back.
by InvestorNewb
Wed Jun 18, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 14
Views: 1133

Re: Market Timing Predictions Thread

... then we can all come back and admire their skills later on, and learn from them how to time the market. If anyone knew how to successfully time the market, they would be the wealthiest person on earth. This is akin to asking someone who wins on a roulette wheel "how did you do it?". I...
by InvestorNewb
Wed Jun 18, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing Predictions Thread
Replies: 30
Views: 1802

Re: need a new id

I don't think changing your username will fix the problem.

You are logging in from a tainted IP, according to bogleheads. Your new username will also be connected to that IP if you log-in from the same computer.

Best to contact a moderator so they can lift the block on your IP - not your username.
by InvestorNewb
Tue Jun 17, 2014 3:51 pm
 
Forum: Forum Issues and Administration
Topic: need a new id
Replies: 4
Views: 615

Re: Tax-Efficient Tactical Sector Diversification

Why bother with gold and metals? It is very unboglehead-ish.

Having <2% allocation to something won't really move the needle.

Rebalancing will be more complicated with that setup.

I like the thread title though. IT sounds cool. :D
by InvestorNewb
Tue Jun 17, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-Efficient Tactical Sector Diversification
Replies: 11
Views: 584

Re: Young Investor Strategy

Since you are very young I would recommend either a much lower bond allocation or none at all.

Consider funds like VTI+VXUS OR VT, both of which are 100% equities.
by InvestorNewb
Tue Jun 17, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor Strategy
Replies: 15
Views: 1181

Re: No bonds at all.

I've been 100% equities for the last year and a half and it has paid off handsomely. I'm still far from my target, but I see bonds slowing me down to get there.

I started investing in my 30s instead of 20s and want at least a good 10 or 15 years of 100% stock to really drive up the portfolio.
by InvestorNewb
Tue Jun 17, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11792

Should international travel impact your investments?

Hello, I recently finished a trip to Europe, and visited 5 countries: France, England, Czech Republic, Ireland, and Netherlands. While I really enjoyed the overall trip, there were times where I said things to myself like "This is why some folks keep 100% of their investments in the US" or...
by InvestorNewb
Mon Jun 16, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Should international travel impact your investments?
Replies: 30
Views: 1865

Re: I want to buy a stock.

I am currently happy with my returns from indexing and don't see the need to chase individual stocks. In fact, that seems like a major headache for me.
by InvestorNewb
Mon Jun 16, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to buy a stock.
Replies: 43
Views: 2510

Re: Need Guidance with choosing an investment professional

I spend about 1 hour per year managing my investments. This includes reinvesting dividends and updating my investing spreadsheet.
by InvestorNewb
Mon Jun 16, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Need Guidance with choosing an investment professional
Replies: 17
Views: 1179

Re: Why would I need VT, BND AND VTI?

VT and VTI do overlap.

Either hold VT or VTI+VXUS exclusively for your stock allocation.
by InvestorNewb
Thu Jun 12, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why would I need VT, BND AND VTI?
Replies: 4
Views: 568

Re: Bernstein: A Decade of Super-Low Returns

I don't see how anyone can reliably forecast returns.

Wasn't he recommending to stay out of REITs last year? They are up >16% YTD.
by InvestorNewb
Mon Jun 09, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17121

Re: VTI Above $100 - When will it split?

Apple will be split on Monday.
by InvestorNewb
Fri Jun 06, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI Above $100 - When will it split?
Replies: 6
Views: 1139

Re: bidet for a boglehead

Shower + soap > bidet
by InvestorNewb
Sat May 31, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2180

Re: Looking to move from target date fund.

What's wrong with a target date fund? It doesn't require any active management either...
by InvestorNewb
Mon May 19, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move from target date fund.
Replies: 17
Views: 1183

Re: Help! Mom fell for scam--computer hacked?

I would install and run SUPERAntiSpyware: http://www.superantispyware.com/

It's a free tool, and it once got rid of a trojan virus on my PC that several other software programs could not.
by InvestorNewb
Mon May 19, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Help! Mom fell for scam--computer hacked?
Replies: 28
Views: 2977

Re: I have too much for retirement???

A good "problem" to have. A stretch target is always the best thing to aim for.
by InvestorNewb
Mon May 19, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: I have too much for retirement???
Replies: 35
Views: 5692

Re: New Version of Excel - All Worksheets Need Changes

Electron wrote:All my worksheets need a change in the zoom setting, many columns need to be made wider to display the contents properly, and all charts need a change in the zoom setting.


For the Column issue, I almost always use Ctrl A -> Format -> AutoFit Column Width
by InvestorNewb
Sun May 18, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1361

Re: 2600 days of every dollar tracked

17k on alcohol stood out for me..although over 7 years it's really not that bad - especially given you were a student for part of the time. I'm probably up there as well. In some ways, I'm glad I don't keep track. Do you have any regrets about keeping track? (i.e. I shouldn't have spent this much on...
by InvestorNewb
Sun May 18, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 5983
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