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by InvestorNewb
Sun May 17, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 26
Views: 1115

Re: Keep underground storm cellar (in Florida)?

The question is how effective would it be for a real tornado? You would probably leave the area and not go inside the storm cellar.

Personally, I never really understood people that have those...
by InvestorNewb
Thu May 14, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buying property with friends to rent
Replies: 16
Views: 1577

Re: Buying property with friends to rent

When you're done college how many of those friends do you think you'll still talk to? I've lost contact with most of my college friends, since we all live in different cities now.
by InvestorNewb
Wed May 13, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: [Teens and Investing]
Replies: 17
Views: 917

Re: TEENS AND INVESTING

I wanted nothing to do with investing at that age. It's hard to get excited about investing when you don't have any money to invest.
by InvestorNewb
Thu May 07, 2015 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 2167

Re: Non traded REITs and indexed annuities

It sounds like you need to run as fast as you can. REITs are very volatile. I hold VNQ and the price fluctuates considerably. A few months ago it was priced at almost $90 per share and now it's at about $80. From my limited experience, I have never read anything good about non-traded REITs. The hard...
by InvestorNewb
Mon May 04, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: REIT: VNQ vs. O
Replies: 6
Views: 564

Re: REIT: VNQ vs. O

O pays monthly dividends, VNQ pays quarterly dividends.

O is one stock, VNQ is 141 stocks.

In my opinion, VNQ is the better option for diversification reasons.
by InvestorNewb
Sat May 02, 2015 9:51 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1511

Re: Forum is now back ONLINE!

Awesome - thanks!! :)
by InvestorNewb
Fri May 01, 2015 2:41 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends (VTI)
Replies: 9
Views: 927

Re: Total Stock Market Dividends (VTI)

Here is more data from Vanguard's oldest S&P500 mutual fund (VFINX):

1980 -> 0.83

1990 -> 1.27 (+53.01%)

2000 -> 1.3 (+2.36%)

2010 -> 1.966 (+51.23%)
by InvestorNewb
Fri May 01, 2015 2:23 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends (VTI)
Replies: 9
Views: 927

Re: Total Stock Market Dividends (VTI)

tludwig23 wrote:No, you do not have enough data to extrapolate with any degree of certainty.

That's why I said estimates...
by InvestorNewb
Fri May 01, 2015 2:06 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends (VTI)
Replies: 9
Views: 927

Total Stock Market Dividends (VTI)

In 2005, VTI paid a dividend of $1.0415 for the year.

In 2014, VTI paid a dividend of $1.869 for the year.

Over the 10 year period, this represents an increase of 79.45%.

Based on the above, are the following estimates reasonable?

2025: $3.35
2035: $6.02
2045: $10.8
by InvestorNewb
Tue Apr 28, 2015 8:52 pm
Forum: Investing - Theory, News & General
Topic: Omaha this weekend
Replies: 29
Views: 2615

Re: Omaha this weekend

I bought 1 share of BRK.B just so I can attend. Just kidding. :happy
by InvestorNewb
Mon Apr 27, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 32
Views: 3399

Re: how to ask friend my money back?

Did you ask him?
by InvestorNewb
Fri Apr 24, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Concentrated Bet ... not bad after all ?
Replies: 6
Views: 616

Re: Concentrated Bet ... not bad after all ?

How much do you want to bet on one stock?

Sure it would be nice to be up 44% for the year on Amazon, but it could have gone the other way. Everything is easy in hindsight.

Remember that slow and steady wins the race.
by InvestorNewb
Fri Apr 24, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1206

Re: Is this a reasonable request for broker?

About 70 documents in total have to be downloaded, so not as bad as I thought. But still a pain. Each one will also have to be renamed upon download.

I can't use any automated tool or Firefox add-on to download them; they are all generated dynamically with java script as another poster mentioned.
by InvestorNewb
Thu Apr 23, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1206

Is this a reasonable request for broker?

I would like to download all electronic statements from my online brokerage account. The statements go back to 2009 and I have various accounts. Right now I can only download each statement individually. There is no way to download all of them in one single batch. I emailed my broker asking if they ...
by InvestorNewb
Wed Apr 15, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Children's financial gifts
Replies: 1
Views: 273

Re: Children's financial gifts

LeeMKE wrote:Is there such a thing as a single share of an index fund? I'm guessing not.

Buy 1 share of VTI for $109.40.

LeeMKE wrote:How about a single share of stock, maybe Apple?

I think you already know the answer to that. :D
by InvestorNewb
Fri Apr 10, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5295

Re: On a budget and Friday night

Gentlemen's club.
by InvestorNewb
Thu Apr 09, 2015 7:16 pm
Forum: Investing - Theory, News & General
Topic: Concerns about not tilting to certain sectors
Replies: 10
Views: 764

Concerns about not tilting to certain sectors

Do you ever worry about "missing out" by not tilting to a specific sector? It seems like health care and small caps are worthy of a tilt.

I know the total market index already has both of these, but you sometimes wonder what your gains might be with a bit of extra mileage...
by InvestorNewb
Wed Apr 08, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: REITs in IRAs - how much is too much?
Replies: 2
Views: 554

Re: REITs in IRAs - how much is too much?

I have my tax-deferred account maxed with REITs; it makes up about 20% of my portfolio.

When I contribute new money next year, I will probably try and lower it.
by InvestorNewb
Mon Apr 06, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5518

Re: Might Go $4,000 AAPL

closetoreality wrote:Would this be considered a reckless and irrational decision?

Is $4,000 a lot of money to you? If yes, it's a reckless decision. If 4k is only a small part of your portfolio, then it's a different story.
by InvestorNewb
Mon Apr 06, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate and reits
Replies: 22
Views: 2270

Re: Real estate and reits

I added to my REIT position today. If you do decide to buy, just make sure they are held in a tax-advantaged account. Otherwise you will lose too much to taxes when the dividends are paid out.
by InvestorNewb
Mon Apr 06, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Haliburton vs. Exxon as a buy and hold
Replies: 40
Views: 3527

Re: Haliburton vs. Exxon as a buy and hold

As boring as it may sound, I would just buy the total stock market index. There you can have them both.

z3r0c00l is right in that individual stocks carry a lot of risk.
by InvestorNewb
Sun Apr 05, 2015 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 7086

Re: Why Vanguard Why?

Mailing in forms is a pain - I had to do it too with my broker. And multiple times for different accounts.

But once it's over you don't have to look back.
by InvestorNewb
Sat Apr 04, 2015 7:34 pm
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2945

Re: Sunglasses $6 to $200

I recently bought polarized, 100% UV sun glasses at Wal-Mart for about $20.
by InvestorNewb
Fri Apr 03, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 40965

Re: What are you up YTD?

Glad to see this thread still going! I will check my YTD balance when the US total stock index (VTI) is back around $110. :D
by InvestorNewb
Thu Apr 02, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Alternative Strategies Fund
Replies: 5
Views: 545

Re: Vanguard Alternative Strategies Fund

Thanks! I agree this is surprising coming from Vanguard. They are basically doing the opposite of what they advocate.
by InvestorNewb
Fri Mar 27, 2015 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Completely new early twenty something needs help!
Replies: 37
Views: 2258

Re: Completely new early twenty something needs help!

estachovic wrote:I currently work 25-35 hours a week at a job that pays me $10.50 an hour and pays me every other week. (I feel like my even being in this forum is laughable)

Most people in their early 20s have low paying jobs. Don't feel like you are the only one.
by InvestorNewb
Mon Mar 23, 2015 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying Canadian Currency
Replies: 4
Views: 396

Re: Buying Canadian Currency

The cheapest way to exchange USD <-> CAD is through Norbert's Gambit.

More information can be found here:
http://www.finiki.org/wiki/Norbert's_Gambit
by InvestorNewb
Thu Mar 19, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tax pdf - quick type II font?
Replies: 5
Views: 365

Re: Tax pdf - quick type II font?

"When you create a PDF file of your book document you need to make sure you embed your fonts in the PDF file. This ensures that if the person who opens the document does not have the font you used on their computer that they are able to view and print the file with the font you used." Sour...
by InvestorNewb
Thu Mar 19, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22669

Re: Vanguard - changing Target Date Intl allocations

Glad I'm using individual funds. Maybe I don't want 40% international.
by InvestorNewb
Wed Mar 18, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3341

Re: Rental property vs. REIT

Any idea why REITs are up 2.3% today?

I thought an interest rate hike would have the opposite effect on REITs?
by InvestorNewb
Sat Mar 14, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account canada
Replies: 4
Views: 448

Re: Vanguard account canada

... but they only offer ETFs, no sign of them bringing their index funds to Canada. I believe you meant to say mutual funds. The ETFs are also index funds. OP: I am a Canadian resident and I invest in Vanguard index funds through ETFs. You need to open a brokerage account and buy the funds through ...
by InvestorNewb
Wed Mar 11, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18732

Re: What are some common misconceptions found in this forum?

That there are misconceptions found in this forum.
by InvestorNewb
Sat Mar 07, 2015 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4656

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

I remember when VNQ was at almost $90/share this year. Now it's at ~$80/share. But near $90 is when you rebalanced some shares out of VNQ because you were overweighted in REITs. And yesterday, you were underweighted, so you that's when you bought more shares of VNQ. Doing all of that is too much wo...
by InvestorNewb
Sat Mar 07, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4656

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

REITs are now in negative territory YTD. I remember when VNQ was at almost $90/share this year. Now it's at ~$80/share.

I guess I should have waited before making my tax-deferred contribution.
by InvestorNewb
Fri Feb 27, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 70
Views: 5102

Re: How to Invest in Gold

Bogleheads don't buy gold or bitcoins.
by InvestorNewb
Mon Feb 23, 2015 7:25 pm
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 9027

Re: Buy and Hold Forever Stocks

I don't own any individual stocks. - BRK.B will probably give similar returns to the S&P 500. Why not hold the S&P 500 instead? (Why take on the added risk?) - As for Apple, what happens if iPhone loses its popularity? I have no interest in buying individual stocks; I would rather own ~10,00...
by InvestorNewb
Sat Feb 21, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5523

Re: Market Top

If you stick around long enough you will see that threads like this are posted every year. That should tell you something about market timing.
by InvestorNewb
Thu Feb 19, 2015 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: 21 year old looking to invest in a business
Replies: 7
Views: 616

Re: 21 year old looking to invest in a business

I work in small business lending and the typical age when people started their own business is mid/late 40's. At you age the best business to invest in is yourself (i.e. get experience). You need to learn how the world operates and learn from others' mistakes to minimize the ones you will make in t...
by InvestorNewb
Thu Feb 19, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: 21 year old looking to invest in a business
Replies: 7
Views: 616

Re: 21 year old looking to invest in a business

Watching a few episodes of Kitchen Nightmares will make you want to stay clear of the restaurant business.
by InvestorNewb
Thu Feb 19, 2015 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Keep buying regardless of price movement?
Replies: 17
Views: 2182

Re: Keep buying regardless of price movement?

What does the rest of your portfolio look like?

Personally I would not place a big bet on energy. Invest in the Total Stock Market Index Fund (VTSMX) instead.
by InvestorNewb
Wed Feb 18, 2015 6:32 pm
Forum: Forum Issues and Administration
Topic: copy/paste or attach an image
Replies: 8
Views: 588

Re: copy/paste or attach an image

Code: Select all

[img]https://developer.chrome.com/extensions/examples/api/idle/idle_simple/sample-128.png[/img]


Image

Just copy and paste the code above into your post.
by InvestorNewb
Wed Feb 18, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Accountant Cost When Taxes Done During Meeting
Replies: 19
Views: 1590

Re: Accountant Cost When Taxes Done During Meeting

It seems very reasonable to me. I pay $2k for corporate taxes. I also give specific instructions on what needs to be done and itemize everything.
by InvestorNewb
Wed Feb 18, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Rookie, looking to assess my investments and my plan..thanks
Replies: 9
Views: 688

Re: Rookie, looking to assess my investments and my plan..th

Second, wow, sad. If those estimates and predictions are accurate, then I can never retire early. I had what I thought was a solid plan. Historically, I thought it had been around 10.4%. I expected a little lower, so I figured if I could get 9 that would be great. At 2%, I can never have enough to ...
by InvestorNewb
Tue Feb 17, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 1054

Re: Over the long-run, are there any poor-performing sectors

Do you mean something like this, but for a longer period? http://news.morningstar.com/stockReturns/CapWtdSectorReturns.html yes exactly I seem to recall reading somewhere that airlines have been terrible investments. Airlines Airlines would fall into the consumer cyclical sector but they are only o...
by InvestorNewb
Tue Feb 17, 2015 6:30 pm
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 1054

Over the long-run, are there any poor-performing sectors?

Looking back into the past, are there any stock sectors that did poorly over a 30-year period? Let's exclude precious metals and emerging markets for this example. It seems to me that while there are sectors that beat the returns of the S&P 500, we are hard-pressed to find ones that underperform...
by InvestorNewb
Tue Feb 17, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7556

Re: Cap Gains & Divs killed me this year

Sounds like a good problem to have.

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