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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: 158
Views: 6377

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: 21
Views: 1139

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: 21
Views: 1139

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: 1029

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: 69
Views: 2877

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: 83
Views: 4991

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: 68
Views: 3567

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: 67
Views: 4873

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: 5978

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: 3579

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: 4377

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: 3676

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: 4963

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: 898

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: 898

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: 719

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: 471

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: 1664

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: 1664

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: 1234

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: 616

Re: Pension – Lump Sum Rollover or Keep it?

I would take the monthly pension.

27,518 / 549 / 12
It will only take 4 years to accumulate the lump sum that you are being offered.
by InvestorNewb
Tue Aug 19, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension – Lump Sum Rollover or Keep it?
Replies: 9
Views: 646

Re: 20 Year Old With 70k to Invest

I am 100% stocks and I am 10 years older than you. In the last 5 years it has paid off big-time, although I have only been invested for the last 2 years or so.

As long as you don't sell when things go south you will be okay.
by InvestorNewb
Tue Aug 19, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2474

Re: New iShares Global REIT ETF

I realize it just launched on July 8, 2014, but it will be interesting to see how many assets it has in a year or two from now. Currenty at ~5m.

It may be difficult to sustain their 0.14% MER. VNQ has the first-mover advantage with $44.5 billion in assets.
by InvestorNewb
Mon Aug 18, 2014 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: New iShares Global REIT ETF
Replies: 5
Views: 579

Re: Spouse not ready to cut ties with financial advisers

I think for people that have no clue about investing, the fear of putting money at risk somewhere can be very overwhelming. I remember before I started investing I had the same fear, and I really wanted to get a financial adviser to manage the portfolio for me because I thought I would make some sil...
by InvestorNewb
Sun Aug 17, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 111
Views: 8488

Re: Interesting BRK tidbit

I kind of want to jump on the BRK bandwagon and replace all my VTI shares with BRK.B instead. :)

just kidding
by InvestorNewb
Thu Aug 14, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting BRK tidbit
Replies: 16
Views: 1922

Re: Why would a passive investor use ETFs?

dnaumov wrote:Because a wide selection of high-quality index mutual funds are not available in your country.

This. In my case (Canada) only Vanguard's ETFs are available here.
by InvestorNewb
Thu Aug 14, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3702

Re: Berkshire Hathaway A's about to hit $200k/pps

How does one sell BRK.A? (or do you just convert the shares in kind to BRK.B?)

I assume the size of BRK.A would affect its liquidity?
by InvestorNewb
Thu Aug 14, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2684

Re: Help with investing for children

BRK.B doesn't pay any dividends if you really want to be hassle free at tax time.
by InvestorNewb
Wed Aug 13, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1706

Re: Chosing which company to analyze?

But i have another question how then do people develop large fortunes largely based on stock investments? i assume mutual funds chose mostly the same stocks for all of their clients, don't they all then make just about the same interest? In order to make a lot in the stock market you also need to i...
by InvestorNewb
Mon Aug 11, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Chosing which company to analyze?
Replies: 25
Views: 1219

Re: Setting signature not working ?

Question: Do you see your "signature" in your compose screen? I know it's separate and not entered each time, but do you see it when composing, or when Previewing? Did you "see" the composed "signature" still sitting there in the compose window after clicking "sub...
by InvestorNewb
Mon Aug 11, 2014 12:15 pm
 
Forum: Forum Issues and Administration
Topic: Setting signature not working ?
Replies: 24
Views: 770

Re: Setting signature not working ?

edit: please remove
by InvestorNewb
Mon Aug 11, 2014 11:11 am
 
Forum: Forum Issues and Administration
Topic: Setting signature not working ?
Replies: 24
Views: 770

Re: Setting signature not working ?

I would try logging-out, clearing your cache, and then log back in again and try again.
by InvestorNewb
Mon Aug 11, 2014 11:05 am
 
Forum: Forum Issues and Administration
Topic: Setting signature not working ?
Replies: 24
Views: 770

Re: Setting signature not working ?

There is a 202 character limit. Perhaps you are going beyond this?
by InvestorNewb
Mon Aug 11, 2014 10:35 am
 
Forum: Forum Issues and Administration
Topic: Setting signature not working ?
Replies: 24
Views: 770

Re: Changing queen size to king size

You would still have to buy a king size mattress. My king bed ran for bout $3k and it doesn't have any fancy exterior. Only the mattress+box spring.

A high-quality king mattress is expensive (Kingsdown) but you may be better off buying a new bed that comes with the full set.
by InvestorNewb
Mon Aug 11, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: Changing queen size to king size
Replies: 9
Views: 1223

Re: Fear of Disclosing Net Worth

Why not post your retirement review here, at Bogleheads.org? The forums were created for that purpose.

I think a lot of us came here for advice because we weren't happy with the options/advice given to us by our banks.
by InvestorNewb
Mon Aug 11, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8120

Re: Need for International Investing ?

When international starts to outperform the US, you will be happy to have kept your allocation to international.

Here is a similar thread that I created which you may find helpful:
viewtopic.php?f=10&t=119516&p=1745852
by InvestorNewb
Mon Aug 11, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2612

Re: Tagging Favorite Threads

Why not just bookmark it in your browser?
by InvestorNewb
Sat Aug 09, 2014 11:02 am
 
Forum: Forum Issues and Administration
Topic: Tagging Favorite Threads
Replies: 5
Views: 364

Re: Going 60+% international? (US resident)

If it's a long-term investment, it probably doesn't matter very much if you overweight US or international. Over time, the returns have been pretty similar and as globalization increases, probably even more so. Even though VXUS paid a nice dividend on 06/30/2014 at $0.60400, the next one is likely t...
by InvestorNewb
Sat Aug 09, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5941

Re: Expected REIT (dividend) return

I did my own calculations using a compound interest calculator. I also factored in capital gains appreciation at an extremely conservative 5% rate. Principle amount: 100,000 Expected % Increase of Stock Price: (annually): 5% # of years to invest: 39 Current (or expected or average) Dividend Yield: 3...
by InvestorNewb
Fri Aug 08, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expected REIT (dividend) return
Replies: 9
Views: 703

Re: Expected REIT (dividend) return

EmergDoc wrote:(REITs are dividend paying stocks, you're aware of that right?)

I should have been more specific, but I meant superior to funds like Vanguard High Dividend Yield (VYM).

VYM is marketed for high dividend yield, while VNQ is not - even though VNQ's dividends trump VYM's.
by InvestorNewb
Fri Aug 08, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expected REIT (dividend) return
Replies: 9
Views: 703

Expected REIT (dividend) return

Suppose that: - Someone decided to use their tax-deferred account for US REITs only (VNQ) - The current value of the account is $100,000 (for simplicity) - The account has 39 years to grow - No new contributions are made to the account except for dividend reinvesting After 39 years, when that person...
by InvestorNewb
Fri Aug 08, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expected REIT (dividend) return
Replies: 9
Views: 703

Re: Automatic rebalancing

Rebalancing may be overrated. Have a look at this thread: viewtopic.php?f=10&t=116876
by InvestorNewb
Thu Aug 07, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Automatic rebalancing
Replies: 5
Views: 371

Re: Mutual Fund for a 10 year-old

lkisnowindexing wrote:wouldn't 80/20 LifeStrategy (VASGX) be a better choice with greater diversification and lower volatility?

A 10 year-old doesn't need any bonds.
by InvestorNewb
Thu Aug 07, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for a 10 year-old
Replies: 10
Views: 677

Re: Mutual Fund for a 10 year-old

I would opt for either the fund that was already suggested OR Vanguard Total World Stock Index Fund Investor Shares (VTWSX).
by InvestorNewb
Thu Aug 07, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for a 10 year-old
Replies: 10
Views: 677

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

I agree that 15 years isn't enough time to make any solid conclusions.
by InvestorNewb
Thu Aug 07, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4395

Re: VFSVX - No more fees

The title of the thread is misleading because it sounds as though Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares (VFSVX) does not have any fees, even though the expense ratio is 0.40%.
by InvestorNewb
Wed Aug 06, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 841

Re: How to give advice when you don't know much.

I've gotten phone calls from big investments firms all with the same message, "you've already missed out on last years gains are you really going to be stupid and not invest your money again "? then they bombard you with, how much money you will need if you want to avoid living in a cardb...
by InvestorNewb
Wed Aug 06, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to give advice when you don't know much.
Replies: 33
Views: 1370
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