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Re: When should someone "not stay the course"?

Newb, all of your posts on this forum seem to suggest that you may not have the risk tolerance for 100% equities like you say you do, and a number of people point this out in every thread. What is your response to that? My response is that while I may appear jittery at times, I have never sold a si...
by InvestorNewb
Wed Oct 01, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2402

Re: When should someone "not stay the course"?

Thanks for the replies. I bought more international today with the dividends that were paid out yesterday.
by InvestorNewb
Wed Oct 01, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2402

When should someone "not stay the course"?

On August 28, 2006, Vanguard's Total International Stock index was priced at $16.42 per share. On September 30, 2014, it was priced at $16.41 per share. That's almost 10 years of stagnation (or 8 years, 1 month, and 2 days to be exact). http://uploadpie.com/1qrRr I know that I'm cherry picking the d...
by InvestorNewb
Tue Sep 30, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2402

Re: bogus schwab email

Not sure how 2-factor auth would save you if you were fooled into entering your credentials into a fake site. The attacker would need to be ready to act quickly... This is why two-factor authentication is important. Even if they created a spoofed version of Schwab's log-in area and recorded all use...
by InvestorNewb
Tue Sep 30, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: bogus schwab email [Phishing scam]
Replies: 22
Views: 841

Re: bogus schwab email

This is why two-factor authentication is important.
by InvestorNewb
Tue Sep 30, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: bogus schwab email [Phishing scam]
Replies: 22
Views: 841

Re: Should I pay off my sisters student loans?

Why is your sister not getting any part of the windfall?
by InvestorNewb
Mon Sep 29, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3340

Re: How can I stop feeling depressed about my finances?

$45k a year is not bad at all for a 26 y.o. There is always someone doing better.. just have to focus on yourself.
by InvestorNewb
Mon Sep 29, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6089

Why do people buy annuities?

Hello, According to RBC's annuity calculator, for a 62 y.o. male who wants a guaranteed $4,000 per month for 25 years, he would have to deposit $874,992.36. Why not just take the ~$875k and put it into something safe like TIPS? $875k would buy 65,297 units in Vanguard's Inflation-Protected Securitie...
by InvestorNewb
Fri Sep 26, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 50
Views: 3831

Re: We're all going to die!!!

It's amazing how fast it can come and go.
by InvestorNewb
Thu Sep 25, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4726

Re: Stubbornly Non-Boglehead Husband. What To Do?

This reminds me of my friend who gambles a lot at the casino. Despite how much he loses, he just keeps playing. The numbers are irrelvant and it is impossible to get through to him. "DUDE, I can make my money back." Why bother playing if it's always a matter of recouping your losses? The p...
by InvestorNewb
Wed Sep 24, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7537

Re: Total Stock Market Dividends

^ Forgot about the price difference... my bad.
by InvestorNewb
Tue Sep 23, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1161

Re: Total Stock Market Dividends

The September dividend for TSM is also virtually the same as Vanguard's high dividend yield fund:

Vanguard Total Stock Market - $0.46500
Vanguard High Dividend Yield - $0.46900

... it seems that TSM is superior in a lot of ways.
by InvestorNewb
Tue Sep 23, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1161

Re: Vanguard Quarterly Dividends in September

VG should be more punctual in posting the dividend rates (with declaration date of Sep 22) on their web site. I have probably checked their web site at least a dozen time today but have not seen any update. Another poster said this comes at end of day, but why not make Sep 23 the declaration date if...
by InvestorNewb
Mon Sep 22, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5020

Re: VNQ dividend [Vanguard REIT - ETF]

It's Monday and there no sign of the rates on VG's web site.
by InvestorNewb
Mon Sep 22, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 6
Views: 1005

Re: Higher Dividend Three Fund Portfolio Idea

The top 10 holdings of VYM are almost the same as VTI.

If I had to guess, I would say the future returns won't be significantly different than total market. But I would rather go with total market to cover everything.
by InvestorNewb
Fri Sep 19, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1640

Re: VNQ dividend

VNQ is the US REIT index. Looks like it will be announced on Monday.
by InvestorNewb
Fri Sep 19, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 6
Views: 1005

Re: AliBaba

ArthurO wrote:1000 shares at $75, it goes to 90 or more I sell, can't get it on 2ndary market for that price, I don't buy, I get it and goes down, hold it for long term, this is my gambling money....

Is risking $75,000 worth it to make $15k? I'd rather buy more shares of VTI.
by InvestorNewb
Fri Sep 19, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8172

Re: Yes, It's Dividend Time

You had me thinking the dividend rates were posted on Vanguard's web site. To my dismay, they haven't been yet.
by InvestorNewb
Thu Sep 18, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7201

Re: Vanguard's Market Neutral Fund

The expense ratio is 1.6%. Not sure why anyone would want it...
by InvestorNewb
Wed Sep 17, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Market Neutral Fund
Replies: 4
Views: 539

Re: Good hobby for a bright/obsessive 9 year old?

pennstater2005 wrote:
InvestorNewb wrote:
livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.


After they're dead, of course. We did it when I was in elementary school.

Where do you find dead insects?
by InvestorNewb
Mon Sep 15, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3061

Re: Good hobby for a bright/obsessive 9 year old?

livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.
by InvestorNewb
Mon Sep 15, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3061

Angry when stock market is down

Does anyone else get angry/edgy/cranky on days where the stock market is down? In the last couple of days, I find little things "set me off". But maybe it could also be other factors in my life.

For instance, it's annoying to see REITs down 1.8% today. I won't sell, but I'm just annoyed.
by InvestorNewb
Fri Sep 12, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4165

Re: Neighborhood kid around 13 throwing rocks at my house

I would first make sure that you have the right kid. Talk to him and tell him know that you know about his rock throwing. Tell him that you will be going to his parents if he doesn't stop. If he continues, go to the parents... They will most likely be thankful that you let them know about their chil...
by InvestorNewb
Fri Sep 12, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3131

Re: How would you handle this situation ?

I would just quit. Start your own potluck with another group of people.
by InvestorNewb
Fri Sep 12, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2620

Re: Where can I get a [toddler-friendly weekend] job? Update

It's important not to wear yourself out, either. I find that when I overwork/stress I end up getting sick - usually in the form of a cold.

Health needs to be your first priority.
by InvestorNewb
Thu Sep 11, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3646

Re: Vanguard Lost $50k

I'm happy to hear everything worked out for you.
by InvestorNewb
Thu Sep 11, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Why did REITs drop today?

Hello,

I'm trying to figure out why REITs fell 1.58% today, even though the rest of the stock market did okay.

Any ideas as to the reason behind this?
by InvestorNewb
Wed Sep 10, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4114

Re: 50 year old looking for retirement advice & help...

You could also live another 40 years. I wouldn't let age discourage you. 50 is the new 40.
by InvestorNewb
Tue Sep 09, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 year old looking for retirement advice & help...
Replies: 15
Views: 2009

Re: ROTH IRA - VGSIX vs VNQ

Here is another page on ETFs vs. mutual funds:

http://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by InvestorNewb
Tue Sep 09, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - VGSIX vs VNQ
Replies: 5
Views: 270

Re: Do you keep paper copies of your investment statements?

Are you saying that you download and save electronic copies of your statements, or are you saying that you do not download the electronic statement but instead rely on having access to the electronic statements on the company's website? I currently do not download and save electronic copies of my s...
by InvestorNewb
Tue Sep 09, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1910

Re: Prioritizing: Dream Home vs. Retirement Savings

Personally I would rather use that money to travel. I don't have any desire to own a beach house, or even a cottage. It seems like they are a lot of work to maintain.

Renting sounds like a better idea.
by InvestorNewb
Tue Sep 09, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Prioritizing: Dream Home vs. Retirement Savings
Replies: 33
Views: 2086

Do you keep paper copies of your investment statements?

I recently moved to a new apartment and in an effort to reduce clutter I threw out all of my investment statements from my broker. I still receive a statement every month in the mail and I throw that out too. I find it annoying to keep because the stack gets big and dusty after awhile. In short, is ...
by InvestorNewb
Tue Sep 09, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1910

Re: Vanguard Lost $50k

And then it's only about 1% of your assets at Vanguard. You should be proud that it really doesn't matter in the end what happens to this $50K. Really. Net worth is irrelevant here. The bottom line is they somehow managed to misplace 50k and don't appear to be in any hurry to resolve it. OP has eve...
by InvestorNewb
Sat Sep 06, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: Own individual stocks? Advisor recommends 20% in blue ch

A 1% fee is too high - I pay 1/10th of that. Total return is what matters.
by InvestorNewb
Fri Sep 05, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2662

Re: Dollar Cost Averaging vs. Lump Sum

The original post was made a year ago. It would be interesting to know if the OP used lump sum or DCA method.
by InvestorNewb
Tue Sep 02, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging vs. Lump Sum
Replies: 31
Views: 3174

Re: WSJ: Firing One's Advisor

I can't read the article without an account. Any alternate links? :?:
by InvestorNewb
Fri Aug 29, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 2157

Re: Help out family without compromising my own retirement?

How old are your siblings? Do they suffer from any disabilities? If not, they should be supporting themselves and/or helping.

You are already doing a lot for the family...good on you.
by InvestorNewb
Fri Aug 29, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5673

Re: 3MM Casino Jackpot

I would also take the lump sum.
On a side note: I know someone who won $30,000 at the casino. He spent several 100 thousand dollars to win it. :oops:
by InvestorNewb
Fri Aug 29, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3MM Casino Jackpot
Replies: 10
Views: 1803

Re: Keeping mold out of bath/shower

I felt obligated to post what product worked for me, and here it is: http://i.walmartimages.com/i/p/00/04/46/00/01/0004460001195_500X500.jpg (Tilex Mold & Mildew Remover) It eliminated ALL of the mold/mildew, even the mold that was stuck in the sealant (the part I feared would not come out).
by InvestorNewb
Fri Aug 29, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3157

Re: How low can Vanguard Fees Go?

I can see VTI going to 0.04% in order to compete with Schwab. I also see other funds going lower as they accumulate more assets.
by InvestorNewb
Fri Aug 29, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2221

Re: Poll: How many own zero/few stocks?

SuperSaver wrote:Just trying to gauge how truly committed those on here are: How many of you are all-in with indexed funds only?

I am. (see sig) very pleased with returns too.
by InvestorNewb
Fri Aug 29, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2763

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: 258
Views: 17409

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: 22
Views: 1502

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: 22
Views: 1502

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: 1105

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: 91
Views: 5924

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: 101
Views: 7848

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: 81
Views: 4923

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: 68
Views: 5445
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