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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
Fri Mar 27, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Completely new early twenty something needs help!
Replies: 30
Views: 1584

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
Mon Mar 23, 2015 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying Canadian Currency
Replies: 4
Views: 368

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 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax pdf - quick type II font?
Replies: 5
Views: 334

Re: Vanguard - changing Target Date Intl allocations

Glad I'm using individual funds. Maybe I don't want 40% international.
by InvestorNewb
Thu Mar 19, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17399

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
Wed Mar 18, 2015 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3132

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
Sat Mar 14, 2015 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard account canada
Replies: 4
Views: 416

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

That there are misconceptions found in this forum.
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: 17187

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 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4289

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
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: 4289

Re: What's your average ER?

0.085%
by InvestorNewb
Sun Mar 01, 2015 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7143

Re: How to Invest in Gold

Bogleheads don't buy gold or bitcoins.
by InvestorNewb
Fri Feb 27, 2015 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 70
Views: 4496

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
Mon Feb 23, 2015 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8148

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
Sat Feb 21, 2015 9:04 am
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5220

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 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 21 year old looking to invest in a business
Replies: 7
Views: 578

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 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 21 year old looking to invest in a business
Replies: 7
Views: 578

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
Thu Feb 19, 2015 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep buying regardless of price movement?
Replies: 17
Views: 2104

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 6:32 pm
 
Forum: Forum Issues and Administration
Topic: copy/paste or attach an image
Replies: 8
Views: 477

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 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Accountant Cost When Taxes Done During Meeting
Replies: 19
Views: 1505

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
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: 642

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 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 996

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 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 996

Re: Cap Gains & Divs killed me this year

Sounds like a good problem to have.
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: 7185

Re: Am I saving properly for retirement?

BuyHighSellLow wrote:Sorry if this has been answered already, but do the Target Retirement funds with Vanguard approximate the whole market?

Target fund stock holdings are 70% US and 30% International. Approximating the whole market (world market) would need 55% International and 45% US.
by InvestorNewb
Tue Feb 17, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3523

Re: Should I raise my tenants rent?

As a tenant myself I hate when the rent goes up. Even if it is only by $20/mo.
by InvestorNewb
Mon Feb 16, 2015 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1852

Re: Expecting a big inheritance - Should it change my life?

I would try not to live with the expectation of receiving any inheritance at all. It will prevent you from achieving your own self-made goals. Personally, I would rather my parents spend everything they have; I want them to live their lives to the fullest. I think it's selfish to expect an inheritan...
by InvestorNewb
Mon Feb 16, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8220

Re: Projection at age 28 - Is this correct?

8% might be overly optimistic. I usually see conservative estimates using 5-6%.
by InvestorNewb
Sun Feb 15, 2015 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projection at age 28 - Is this correct?
Replies: 10
Views: 1458

Re: possible churning?

No there is not. Why not ask him directly?
by InvestorNewb
Sun Feb 15, 2015 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1373

Re: If you could start over at age 30...

@InvestorNewb - When I was first starting out I was unaware of Vanguard/VTI, so I started building with 50 shares of SPY. I agree, moving forward I should just stick to VTI, but is the 50 shares of SPY hurting anything? Not hurting anything at all. VTI is just the better choice because it has 3,796...
by InvestorNewb
Thu Feb 12, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: age 30... [portfolio advice requested]
Replies: 22
Views: 2665

Re: If you could start over at age 30...

I would not bother with both VTI and SPY. Only VTI is needed, SPY is redundant.
by InvestorNewb
Thu Feb 12, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: age 30... [portfolio advice requested]
Replies: 22
Views: 2665

Re: Anticipating the pain [of one day portfolio drop]

I actually have about $350k already and every drop is a pain. It is also painful that the fund price tends to be higher on days on my automatic contributions come in. I just hate to have a repeat of 2008 to my money. I can't imagine people knowingly let their existing balance nose-dives. The key is...
by InvestorNewb
Thu Feb 05, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2851

Re: Janitor in Vermont leaves millions

If it turns out that he actually picked stocks, and didn't pile into index funds, I guess this forum will have to self-destruct. I don't see anything wrong with picking stocks as long as you buy enough of them in different sectors. I think many investors from my father's generation built their weal...
by InvestorNewb
Thu Feb 05, 2015 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 3157

Re: Canadian index fund

The cheapest way to convert money for USD <-> CAD is by using Norbert's Gambit:

http://www.finiki.org/wiki/Norbert's_Gambit
by InvestorNewb
Wed Feb 04, 2015 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Canadian index fund
Replies: 6
Views: 641

Re: Is it ok not to own property?

I am in the same situation as you.

I am not convinced that buying is better than renting. Even after the house/condo is paid for, there is still annual property tax and maintenance. That's a good chunk of rent money right there.
by InvestorNewb
Mon Feb 02, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ok not to own property?
Replies: 24
Views: 3510

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: 34
Views: 2495

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: 107
Views: 10542

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: 1362

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: 2068

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: 1085

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: 4603

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: 4603

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: 473

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: 673

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: 722

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: 19052

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: 19052

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: 7865

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: 2709

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: 6100

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: 7011
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