Search found 1406 matches

by InvestorNewb
Wed Jul 27, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: Revisiting Dr. Bernstein on REITs
Replies: 29
Views: 3050

Re: Revisiting Dr. Bernstein on REITs

I feel sorry for the people who sold their REITs after that post, even though he did not suggest doing that. It goes to show that nobody can predict the future. I have to admit I was tempted to sell some of my REITs at the time, since Dr. Bernstein is a well respected author and member on the Bogleh...
by InvestorNewb
Wed Jul 27, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: asking for a higher hourly rate after interview
Replies: 29
Views: 1814

Re: asking for a higher hourly rate after interview

The worst they can say is "no". It's worth a try.
by InvestorNewb
Wed Jul 27, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Encryption [Computer disk encryption]
Replies: 19
Views: 1077

Re: Encryption [Computer disk encryption]

Thanks for the responses!

traveltoomuch wrote:If you tell us the OS you're using you may get even more useful answers.

I'm on Windows 7 but will be upgrading to Windows 10 this week.
by InvestorNewb
Tue Jul 26, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Encryption [Computer disk encryption]
Replies: 19
Views: 1077

Encryption [Computer disk encryption]

Hello, I want to encrypt my computer so that if it ever gets stolen, the data is protected and completely useless to the thief. - What is the easiest and most foolproof way to do this? - Are there any risks involved to encrypting your computer? (Could data be lost during the encryption process? What...
by InvestorNewb
Tue Jul 26, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for the "new normal": how?
Replies: 42
Views: 3518

Re: Planning for the "new normal": how?

My folks retired with a sum total of $30k in savings and a mediocre SS income. They are in their late 80's now and doing fine. My in-laws retired with $0 in savings, a reverse mortgage paying house payments and a mediocre SS income. They are all doing fine. They are very frugal, healthy, happy, and...
by InvestorNewb
Sun Jul 24, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3469

Re: 20% In REITS?

Engineer250 wrote:I'm currently 0.5% REIT of total portfolio.

I assume that is a typo? What is the point of having 0.5% of anything?
by InvestorNewb
Sun Jul 24, 2016 6:44 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3469

Re: 20% In REITS?

With the recent run up I am at almost exactly 20% REITs. I was already REIT heavy before, but now even more so. I remember in 2012 when I first bought into them people were saying the same thing (i.e. now is not the the best time, they are probably overvalued, etc.) The whole point of stocks is to c...
by InvestorNewb
Thu Jul 21, 2016 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 185
Views: 14580

Re: How many folks choose to give inheritance to their children in unequal portions?

The simplest solution is often the best one. I would split things equally.
by InvestorNewb
Tue Jul 19, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4171

Re: Stinky Washing Machine

BolderBoy wrote:The machine and matching dryer are 20+ years old.

I think it's time to buy a new machine and dryer.
by InvestorNewb
Fri Jul 15, 2016 8:20 am
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5378

Re: I created dependency, now what?

How much are you donating for their needs?
by InvestorNewb
Wed Jul 13, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 5255

Re: Do you tip Uber drivers?

I don't tip uber drivers. The whole point of taking uber for me is the cashless experience, and the cheap ride. Tipping adds to the expense and it is not the norm like in other industries (i.e. restaurants).
by InvestorNewb
Tue Jul 12, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Jobless with a decent amount of money [Canada]
Replies: 37
Views: 2501

Re: Jobless with a decent amount of money [Canada]

TSWNY wrote:Do $200,000 condos even exist in Toronto anymore?


You might get a shoe box with no parking. That is about it.
by InvestorNewb
Tue Jul 12, 2016 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Investing idea, evaluation is needed..
Replies: 14
Views: 592

Re: Investing idea, evaluation is needed..

I would not take advice from anyone who uses "u" instead of "you" and "ur" instead of "your". :wink:
by InvestorNewb
Mon Jul 11, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: Anyone have "revolving tilts"?
Replies: 39
Views: 1751

Re: Anyone have "revolving tilts"?

Check these two posts out (from two of our "boglehead gurus"). http://www.etf.com/sections/index-investor-corner/swedroe-breaking-down-reit-prices?nopaging=1 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=115965 Again, REITS could easily climb another 25% or more, but in the ne...
by InvestorNewb
Mon Jul 11, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone have "revolving tilts"?
Replies: 39
Views: 1751

Re: Anyone have "revolving tilts"?

(1) How would you quantify the level of risk the OP is taking by holding his position in REITs in the present market enviornment? (2) How would you quantify the level of risk the OP would be taking if he exchanged his REIT position for a position in emerging market equities? If you can't quantify t...
by InvestorNewb
Mon Jul 11, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone have "revolving tilts"?
Replies: 39
Views: 1751

Re: Anyone have "revolving tilts"?

For example, perhaps you had a REIT tilt in a tax advantaged account for the last 10 years and it's done quite well. But now the p/e ratio is quite high and this is making you nervous. Since you have a desire for increased risk, willing to deviate from a total market approach and accept you cannot ...
by InvestorNewb
Sat Jul 09, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Large ETF order questions
Replies: 9
Views: 682

Re: Large ETF order questions

I would suggest using a limit order in case there is a significant change in price while executing the order. I have bought into ETFs using similar amounts, and always used a market order. I never had a problem, but it is best to use a limit order just in case. The only ETF I recognize in your list ...
by InvestorNewb
Tue Jul 05, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Investing in REITs for the long term in Roth IRA
Replies: 12
Views: 1048

Re: Investing in REITs for the long term in Roth IRA

REITs have been on a tear recently. Has the recent performance played a factor in your decision to allocate 50%?

The highest recommendation I've seen for REITs was 20% (David Swenson).
by InvestorNewb
Mon Jul 04, 2016 3:04 pm
Forum: Investing - Theory, News & General
Topic: Good one-year return for REITs: time to rebalance
Replies: 17
Views: 2279

Re: Good one-year return for REITs: time to rebalance

Since 2012, I have never sold any of my REIT shares.

I also don't plan on selling any shares. Let those dividends pile up and buy more shares. Repeat for 30 years and you have your retirement fund, and can live off the dividend stream. :D
by InvestorNewb
Mon Jul 04, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10961

Re: Money vs. Happiness

One of the saddest things I have ever seen was going to a retirement ceremony where the person retiring had all these amazing career achievements, yet he was there alone. He put his career above his personal life and once his career ended he had only money to show for it. Maybe he was divorced? It'...
by InvestorNewb
Sun Jul 03, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3392

Re: Ever Feel Unworthy of Growing income?

Sometimes when I am in line at a fast food restaurant I think about my dividend income and how it probably exceeds his or her annual salary. I then feel undeserving about it but remind myself of my own situation at that age and how I was working a similar job.
by InvestorNewb
Sun Jul 03, 2016 6:22 pm
Forum: Investing - Theory, News & General
Topic: Devil's Advocate for not significantly changing my International Allocation
Replies: 39
Views: 3074

Re: Devil's Advocate for not significantly changing my International Allocation

I have about 25% international. I reinvest all dividends I but don't have plans to add new money since I'm not a fan of the historical performance and the volatility. It's my worst performing ETF.
by InvestorNewb
Sun Jul 03, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 92
Views: 7934

Re: Am I a little crazy to be thinking this way?

You are not crazy. In fact, you are smart to be thinking that way.
by InvestorNewb
Fri Jul 01, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: A look at REITs, and a new study
Replies: 52
Views: 4413

Re: A look at REITs, and a new study

In May 2013, there was a negative post from W Bernstein about REITs: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=115965&newpost=1692652 Since the start of 2013, REITS have done 34.76% according to Morningstar. My point is to not give any studies too much credit when it comes to sto...
by InvestorNewb
Thu Jun 30, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 3806

Re: Equities = musical chairs?

I played it for 30 years waiting to get off the merry go round. I don't wish anyone else ill or another market crash. But I did calculate some years ago that if I had just saved my money rather than investing, I'd be at almost the exact same place financially that I'm at now , and I would not have ...
by InvestorNewb
Wed Jun 29, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 225
Views: 23011

Re: Where were you financially when you were at 30?

Here is my net worth progression from what I remember (milestones): Age 22 - 30k (finished school) Age 26 - 100k (moved out of my parent's house; business began taking off) Age 30 - 500k (age 26-30 I had strong business growth and saved most of the profits) Age 33 (current) - 900k (business slowed d...
by InvestorNewb
Wed Jun 29, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Need help getting Gmail back
Replies: 31
Views: 2517

Re: Need help getting Gmail back

Sadly Google has terrible customer service. I know because it took them over 2 months to give me a refund on my AdWords account, after dozens of emails and phone calls.

I would suggest posting in their Gmail Help Forums:
https://productforums.google.com/forum/#!forum/gmail
by InvestorNewb
Wed Jun 29, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Question about Portfolio Visualizer
Replies: 2
Views: 274

Re: Question about Portfolio Visualizer

It's probably because the data before then is not as reliable.
by InvestorNewb
Mon Jun 27, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3599

Re: Loans to Friends

Not unless you are filthy rich and don't care about losing 60k.
by InvestorNewb
Sun Jun 19, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 125
Views: 16086

Re: Why do people buy annuities?

Two potential problems for annuities that may threaten the security they offer: the impact of inflation over time on nominal annuity returns (very few annuities are inflation adjusted), and the potential insolvency of the company offering the product . Buying an annuity is like individual stock ris...
by InvestorNewb
Wed Jun 08, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 2871

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

This is referred to as dollar cost averaging (not lump sum investing). I see lump sum investing as someone who either receives a windfall and invests the proceeds all at once, or someone who is new to investing and decides to plunk the majority of their liquid net worth into the stock market at once...
by InvestorNewb
Tue Jun 07, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: The Goldilocks Theory of Being Rich
Replies: 31
Views: 4070

Re: The Goldilocks Theory of Being Rich

I found the article kinda silly. If you could choose between being a billionaire of a multi-multi millionaire, who wouldn't choose billionaire? I agree with the idea that enough should be enough, there's a diminishing marginal utility of increased wealth, but I don't think the marginal utility ever...
by InvestorNewb
Sat Jun 04, 2016 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Any S&P 500 Lovers Out There?
Replies: 32
Views: 2960

Re: Any S&P 500 Lovers Out There?

I prefer the total stock market index for the extra diversification.
by InvestorNewb
Fri Jun 03, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Xirr [how to calc for multiple accounts]
Replies: 13
Views: 501

Re: Xirr [how to calc for multiple accounts]

Here is a similar thread that you might find helpful.
by InvestorNewb
Fri Jun 03, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Stocks that pay monthly but distributed quarterly
Replies: 2
Views: 269

Stocks that pay monthly but distributed quarterly

Hello, Most Vanguard stock index funds pay dividends on a quarterly basis. However, I would guess that many of the stocks in the popular indexes pay monthly dividends. For the stocks that pay monthly dividends, where does that money go between the time it is paid out and the time it gets distributed...
by InvestorNewb
Wed Jun 01, 2016 11:57 am
Forum: Investing - Theory, News & General
Topic: Where's the ultimate index fund???
Replies: 11
Views: 1735

Re: Where's the ultimate index fund???

There is probably such a thing as being over-diversified, and this might be it. At one point, things start to cancel each other out.
by InvestorNewb
Thu May 26, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: US REIT P/E seem high - buy anyway for diversification?
Replies: 39
Views: 2387

Re: US REIT P/E seem high - buy anyway for diversification?

Bogle_Feet wrote:Why you might just want to avoid REITS

https://blog.wealthfront.com/tax-effici ... investing/

The article doesn't say to avoid REITs. It says to exclude them from taxable accounts. Big difference :happy
by InvestorNewb
Thu May 26, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2474

Re: Running in new pair of shoes

If I read it right your assertion implies that running barefoot at race pace on paved surfaces (concrete/asphalt) is no worse and potential better for your body than using a cushioned training shoe. That makes sense as long as you don't actually think about it...."just for accuracy"?...pu...
by InvestorNewb
Wed May 25, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: Can I just let my money compound now?
Replies: 51
Views: 6153

Re: Can I just let my money compound now?

goldenbb wrote:Honestly, it is completely ridiculous how much money you have to have to be FI these days.

Always better to overestimate than underestimate. :) That probably explains the stretch targets of these simulators.
by InvestorNewb
Wed May 25, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: VTIBX [Vanguard Total International Bond Index]
Replies: 2
Views: 334

Re: VTIBX

Not everyone has the tickers memorized.

VTIBX = Vanguard Total International Bond Index Fund Investor Shares
by InvestorNewb
Wed May 25, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2474

Re: Running in new pair of shoes

OP here. I did a practice run of 11k last night wearing the new shoes. My feet felt fine throughout the run and I have no blisters or other issues to report of. The new shoes were very supportive of my feet and I felt like they gave me an advantage during the run. I was able to beat my personal reco...
by InvestorNewb
Mon May 23, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2474

Running in new pair of shoes

I'll be participating in a race pretty soon (10k) and I was wondering if it is a good idea to run in a new pair of shoes. I just bought a new pair of Nike running shoes and want to save them for the race day so that they remain brand new and might give me an edge. Is this a good idea or not? On a re...
by InvestorNewb
Fri May 20, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 2686

Re: Special Considerations for High Net Worth? Advisor?

Nearly A Moose wrote:To be clear, I am NOT a HNW investor right now. I hope to be.

Personally, I wouldn't worry about how to invest as a HNW investor until you actually are one. You could be setting yourself up for disappointment.

We all hope to be HNW investors. :)
by InvestorNewb
Thu May 19, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ in Taxable Account?
Replies: 11
Views: 1040

Re: VNQ in Taxable Account?

Why don't you have any retirement/tax advantaged accounts? Or are you saying they are already maxed out?
by InvestorNewb
Wed May 18, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1613

Re: Pride in no inheritance to kids?

I don't have kids but I ever do have some, I would certainly want to leave them a nice sum of money. I would try to avoid telling them this until they are older, as it might prevent them from having their own ambitions and achieving their own goals. I would want them to not have to work as hard as I...
by InvestorNewb
Wed May 18, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: ITOT vs VTI in 2016
Replies: 14
Views: 1046

Re: ITOT vs VTI in 2016

The difference of 0.02% is negligible unless you have millions of dollars invested. :happy
by InvestorNewb
Wed May 18, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Higher condo fees on higher floor units?
Replies: 25
Views: 1969

Re: Higher condo fees on higher floor units?

I think that in "luxury" condos you are almost certain to pay higher fees on higher floors. I remember looking around at condos in my area, and this is what it was like. It isn't fair in my opinion, and that is why I don't live in a condo. It should be based on square footage and be the sa...
by InvestorNewb
Wed May 18, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Tracking returns
Replies: 3
Views: 434

Re: Tracking returns

^ Thanks. I will try that out.

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