Search found 1529 matches

by InvestorNewb
Tue Jun 20, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 4223

Re: "Waiting for the Market to Crash is a Terrible Strategy"

Staying invested has paid off handsomely. I have no intention of selling anytime soon.
by InvestorNewb
Mon Jun 19, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4113

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS). http://www.dividend.com/dividend-stocks/uncategorized/other/vti-vanguard-total-stock-market-etf/ Here is VTI; VXUS not yet declared. Strange.. why would it be posted there prior to the information being made publi...
by InvestorNewb
Mon Jun 19, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4113

Re: "Find out if your fund is declaring a quarterly dividend in June."

livesoft wrote:
InvestorNewb wrote:l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS).

"today" means 23:59:59 in Vanguard time.

Seems like a great way to annoy customers. In that case they should just say 06/20 is the declaration date.
by InvestorNewb
Mon Jun 19, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4113

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS).
by InvestorNewb
Thu Jun 15, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3207

Re: scary phone calls

The solution is simple: block + delete.
by InvestorNewb
Wed Jun 14, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134316

Re: Share your net worth progression

Here are the amounts that I recall with a little story for each: Age 22 - $30,000 I graduated university with $30k in savings. I was ahead of most of my peers because my parents paid for my schooling and I did not have to go into debt. After graduating, I spent the next few years working on my busin...
by InvestorNewb
Wed Jun 14, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3552

Re: Bought $31K Stocks Today: Am I Mad?

DomDangelina wrote:Am I completely insane for not waiting for things to cool off?

Not at all.
by InvestorNewb
Wed Jun 14, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 195
Views: 55257

Re: [Why did my fund suddenly drop in value?]

Whakamole wrote:Any word yet on the timing for the June distributions?

The declaration dates are listed at:
Find out if your fund is declaring a quarterly dividend in June
by InvestorNewb
Wed Jun 14, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5201

Re: I'm going to be rich!

It's a depressing thought looking out that far.
by InvestorNewb
Tue Jun 13, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 67
Views: 5627

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Should have responded with "none of your business". That likely would have eliminated me from consideration, but if that's the case, then I think is that really a company I want to work for? This is a family business that was recently bought by a larger corporation. Some of the Glassdoor ...
by InvestorNewb
Tue Jun 13, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5284

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

If they are so confident why are they not shorting the market with their life savings? I rest my case.
by InvestorNewb
Mon Jun 12, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134316

Re: Share your net worth progression

We've estimated that the last one probably cost us an extra $90,000 - $100,000 total since was born in 2012. Maybe a little more. That is on the high side considering the following quote: The average cost of raising a child born in 2013 up until age 18 for a middle-income family in the U.S. is appr...
by InvestorNewb
Fri Jun 09, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10059

Re: Jim Rogers predicting "crash of a lifetime" this year or next

It's going to happen later this year or next according to the article. And it's going to be the "worst" in the interviewer's lifetime. Pretty bold statements.

It's sad that people believe such predictions.
by InvestorNewb
Thu Jun 08, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Debit charge I didn't make ...
Replies: 20
Views: 1957

Re: Debit charge I didn't make ...

I've had this happen with my credit card but never with debit. How much was the charge for?

I didn't realize there were pending transactions with debit. I thought the amount was debited the instant the purchase was made.
by InvestorNewb
Thu Jun 08, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6685

Re: 100% Stock Portfolio?

I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there. Just curios, but what % do you allocate to each fund? US - 50% US REIT - 15% ...
by InvestorNewb
Thu Jun 08, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6430

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

The problem is you have to bet big to win big. That is unless you happened to get extremely lucky and buy these companies when they first went public.

bottlecap brings up a good point. If they made that much of a killing, why are they still working?
by InvestorNewb
Thu Jun 08, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6685

Re: 100% Stock Portfolio?

I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there. Nice. How much did you start with? Started with about $500k in 2012. I'm not ...
by InvestorNewb
Wed Jun 07, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6685

Re: 100% Stock Portfolio?

I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there.
by InvestorNewb
Fri May 26, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1077

Re: Interview follow-up

I'm confused, they asked for and checked for references and haven't provided a conditional job offer yet? I ask because I encountered the same situation last year. I don't know if this is a new "thing" with employers, but it's pretty rude to bug someone's references when there's nothing c...
by InvestorNewb
Fri May 26, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT ETF ER increased?!?
Replies: 13
Views: 1828

Re: Vanguard REIT ETF ER increased?!?

I own VNQ and I wasn't aware of the change until I saw this thread. It's still dirt cheap at 0.10 or 0.12.
by InvestorNewb
Fri May 26, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1077

Re: Interview follow-up

I didn't ask for a time frame after the interview. As for holidays, we had one on Monday May 22nd (I'm in Canada).
by InvestorNewb
Fri May 26, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1077

Interview follow-up

Hello, I had an interview a few weeks ago and feel that I did extremely well. I came very well prepared and answered all of the questions in detail. I was given the general topics beforehand so I was able to practice over and over again. My 3 references were also contacted last week so everything lo...
by InvestorNewb
Mon May 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 9348

Re: Net worth is overrated

Higher net worth = more freedom, comfortable living, and opportunity to make changes in this world

Maybe net worth is overrated if you are comparing two people who are already well-off.
by InvestorNewb
Fri May 19, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 7826

Re: Milestone and not peeking. . .

Congratulations! Anyone else find that when they hit a new milestone it doesn't seem like a lot of money anymore. When we reached 100K it didn't seem like a lot of money. I thought if we could double it "that would be a lot of money." But when we reached 200K it no longer seemed like a lo...
by InvestorNewb
Fri May 19, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3132

Re: REITs: Count as Stocks or Bonds?

Vanguard's REIT ETF (VNQ) was worth $63.09 on September 19, 2008. On March 6, 2009, it was worth $21.15. That's a decrease of 66.48%.

The only similarity to bonds is that they generate income. They are a completely different product and they are not a safe investment like bonds.
by InvestorNewb
Fri May 19, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3552

Re: Death in family a week before cruise

I was on a cruise recently with Holland America. We tried to cancel a few weeks before the cruise due to a family member being ill. The policy is located at: https://www.hollandamerica.com/pageByName/Simple.action?requestPage=Cancellation You can see that in all their voyages, one week would not be ...
by InvestorNewb
Wed May 17, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5969

Re: Convince me to get back into stocks!

Market timing doesn't work. The research is overwhelming.
by InvestorNewb
Sun May 14, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2573

Re: 100% Total International (0% US equity) for new investor?

If you look up the history of the international stock market you might rethink your decision:

VTI - US (red)
VXUS - International (blue)

Image

Don't let international's YTD returns dictate your preference for it.
by InvestorNewb
Fri May 05, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 6148

Re: Buffett/IBM

I work for an organization that is migrating all of its email services from Lotus Notes (IBM) to Outlook (Microsoft). As a user of both products, I much prefer Outlook.
by InvestorNewb
Fri May 05, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4565

Re: Tips From Older Bogleheads?

My guess is the tips will come down to the Boglehead principles in one form or another: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest wi...
by InvestorNewb
Wed May 03, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18353

Re: Buying a luxury car (how dumb would it be to do this?)

How will you feel if you scratch the car? Or if somebody accidentally bumps into you? I thought about buying a luxury car but I would be too worried about it all the time. And not only that, but the car will be dated in five years from now. The biggest "toy" that I bought was a $6,000 tele...
by InvestorNewb
Wed May 03, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 5104

Re: If you had 30,000 dollars to invest in your future, how would you do it?

dexter74 wrote:Got to college WHEN YOU"RE READY. That's another conversation and it's fantastic your folks will help, allowing you not to drown in student debt like so many of us.

Nobody wants to be in their 30s or 40s in a class with teenagers. Better to go sooner than later for that reason alone.
by InvestorNewb
Mon May 01, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4656

Re: Stay Out Of REITs?

REITs have been more advantageous to me than international stocks. I'm not saying that international won't have its day, but it's hard to dismiss these returns: From May 4, 2007 - April 2017, international returned 2.77% From May 4, 2007 - April 2017, REITs returned 65.71% ... and that's without di...
by InvestorNewb
Thu Apr 27, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4656

Re: Stay Out Of REITs?

REITs have been more advantageous to me than international stocks. I'm not saying that international won't have its day, but it's hard to dismiss these returns: From May 4, 2007 - April 2017, international returned 2.77% From May 4, 2007 - April 2017, REITs returned 65.71% ... and that's without div...
by InvestorNewb
Wed Apr 26, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37642

Re: Larry Swedroe says "Goodby."

Thanks for all of your outstanding contributions here! Best of luck with your new endeavors.
by InvestorNewb
Tue Apr 25, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14974

Re: Retirement income for 50+ years?

In this thread you said you sold your company and have $1M to invest:
viewtopic.php?f=1&t=217380&p=3342217#p3342217

... and now it's $11M?
by InvestorNewb
Tue Apr 25, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 9405

Re: Why is Real-Estate so Bad?

You will find die hard real estate investors in the same way that you will find die hard index investors. This is an indexing forum, so obviously most people here will favor the latter. I know a few real estate investors and they don't like the uncertainty of the market. They like the control they h...
by InvestorNewb
Sun Apr 09, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6899

Re: Death of retail/malls to affect REITs?

That's why vanguard' REIT fund (VNQ) is a good choice. Retail REITs only make up 21.6% of the composition: Diversified REITs - 7.80% Health Care REITs - 12.30% Hotel & Resort REITs - 6.10% Industrial REITs - 6.10% Office REITs - 13.90% Residential REITs - 15.70% Retail REITs - 21.60% Specialized...
by InvestorNewb
Mon Apr 03, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Theoretical trust question
Replies: 9
Views: 614

Theoretical trust question

Suppose you wanted to make a big impact on the world and that you had a net worth of $5M at the time of your passing. Would it be possible to create a trust that states that the money should be reinvested in stocks for 150 years (untouched) and then be used for charitable purposes after that? You wo...
by InvestorNewb
Mon Apr 03, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 25093

Re: Low-earners- What is your profession?

Bogle826 wrote:Some posters in this thread stated that they can retire at an early age (less than 50 yrs. old) even though they are categorized as low-income earners. How is this achievable?

Kraft Dinner and ramen noodles. For life.
by InvestorNewb
Fri Mar 31, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Schwab offering .03% ER
Replies: 75
Views: 3501

Re: Schwab offering .03% ER

The page is misleading because it says the Vanguard Total Stock Market Index Fund charges 0.15% on a $3k investment. It is 0.05% if you buy the ETF regardless of the dollar amount.
by InvestorNewb
Thu Mar 30, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4606

Re: Is the secret to getting wealthy...

Here is part of your first post on March 16, 2013: But to anyone wondering if such a SIMPLE recipe works, let me tell you that it does. Big time. Just takes some patience, some discipline, and a willingness to let your money grow slow and steady without a lot of flash. And yes, starting in your 20s ...
by InvestorNewb
Mon Mar 27, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6550

Re: Justification for Adding REITs

Or you could underperform the market... as Vanguard's REIT index has it's total market fund since January 1st 2013... You aren't going to get rich simply reinvesting dividends into a REIT, sorry but people shouldn't have the wrong expectations. I disagree about the rich part if you hold them for a ...
by InvestorNewb
Mon Mar 27, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6883

Re: Weathering sell-off days like today

This is far from a correction.
by InvestorNewb
Sun Mar 26, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6550

Re: Justification for Adding REITs

Or you could underperform the market... as Vanguard's REIT index has it's total market fund since January 1st 2013... You aren't going to get rich simply reinvesting dividends into a REIT, sorry but people shouldn't have the wrong expectations. I disagree about the rich part if you hold them for a ...
by InvestorNewb
Sat Mar 25, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6550

Re: Justification for Adding REITs

I've held REITs since 2013. Keep reinvesting the dividends and you can get rich that way. I'm sharing with you how much I made from my REIT dividends alone: 2013: 2,889.37 2014: 3,574.62 2015: 4,331.91 2016: 5,769.42 2017: ? That's 4 years of reinvesting dividends. Imagine what they will look like i...
by InvestorNewb
Wed Mar 22, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 4881

Re: My son wants to move to Hong Kong

Often while I was working overseas, I'd get unsolicited resumes and cold calls from young Americans who wanted even unpaid internships to get established. The resumes and calls went unanswered every time. Why would I waste time with them when I could hire a local who could actually contribute to th...
by InvestorNewb
Mon Mar 20, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1218

Re: How to find and interview my new Advisor ?

cheese_breath wrote:You say you're not a DIY guy, and yet the research you'll need to do in order to select a good advisor is probably more than you'd need to set up a basic 3 fund portfolio using index funds.

+1

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