Search found 1469 matches

by InvestorNewb
Thu Feb 23, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7475

Re: New Boglehead Millionaire

OP here. Thanks for the kind responses. I tried to respond to the posts with questions below. Congratulations on hitting that milestone at such a young age! We just recently reached net worth of 1M, but way behind your progress as I'm 60 and wife is 54. Congrats! You made it and that's all that matt...
by InvestorNewb
Wed Feb 22, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7475

New Boglehead Millionaire

Hello, I have nobody else to share this with so I wanted to post my new financial milestone here. I officially became a self-made millionaire today at the age of 34. That amount represents what I have invested in stocks. I am single and own no real estate. It feels surreal writing that and I feel no...
by InvestorNewb
Wed Feb 15, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5434

Re: Retire in my 30s?!

If the business is in tech I wouldn't quit your day job just yet. I was in a similar situation to you from about the age of 25-30, making between 100-200k per year online. The entire time I kept my full time job as a back up, even though it was paying about 50k per year. Now at the age of 34, my bus...
by InvestorNewb
Fri Feb 03, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 6042

Re: It appears Fiduciary changes may not happen after all.

There ought to be rules around this. It's white collar crime if you ask me.
by InvestorNewb
Fri Jan 27, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5193

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

It's sad that the college would even allow this to take place. They must be really, really desperate for a few bucks.
by InvestorNewb
Wed Jan 25, 2017 8:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7345

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor! 93 years young.

Thank you for all you have done for this community. :beer
by InvestorNewb
Wed Jan 25, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 134
Views: 15661

Re: The market is on fire

I see that my old thread has been resurrected. It's amazing how much wealthier I/we are since then and due to market changes alone. The post was made on Wed Sep 18, 2013 VTI (US) closed at $89.94 VXUS (International) closed at $51.68 VNQ (REIT) closed at $69.98 The thread was resurrected today on We...
by InvestorNewb
Tue Jan 24, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 469
Views: 112299

Re: Share your net worth progression

With all do respect, the graphic looks like it belongs in a grade 7 textbook. :)
by InvestorNewb
Wed Jan 11, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 10260

Re: $600,000. Now what?

How are you making a 7% dividend return? That is the elephant in the room. It doesn't sound sustainable.
by InvestorNewb
Tue Jan 10, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12853

Re: How Bad was 2008, really?

I probably could get away doing that, yes, but I was always truthful when asked. I have never seen it personally but I have been told that some jobs will verify your prior salary. I imagine these companies are few and far between however. I agree that lying isn't right, but it doesn't seem right wh...
by InvestorNewb
Tue Jan 10, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12853

Re: How Bad was 2008, really?

The implications for having graduated into it the financial crisis lasted for years as each future employer based my new salary on my prior salary. Could you not "inflate" your previous salary so that you could at least earn a fair wage at your new job? Or did they somehow verify that inf...
by InvestorNewb
Tue Jan 10, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12853

Re: How Bad was 2008, really?

pinhead wrote:If you bought stocks 30 years ago, it would have the same value in 2008. Thats how bad it was.

This requires a citation.
by InvestorNewb
Tue Jan 10, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 3631

Re: What would you do with $30k at 30 years old?

At your age I had close to $300k between retirement/taxable/savings. Its time to get serious and focus on building a nest egg. DCA in the vanguard 3 fund portfolio and fully fund your roth. 30k at 30 is low for Boglehead standards, but I would not be surprised if it was above average for the genera...
by InvestorNewb
Mon Jan 09, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 16185

Re: Best Financial Moves You've Made

Finding this forum at the age of 30.
by InvestorNewb
Mon Jan 09, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3590

Re: Teeth whitening

I bought a Groupon for teeth whitening and saw no noticeable difference.
by InvestorNewb
Mon Jan 09, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12912

Re: I'll never save a 20% down payment. Rent for life?

I am currently staying away from home ownership because it would take away from my yearly dividend increases if I were to use some of that money for a down payment. I consider myself in the "it doesn't matter if you buy or rent" category since I'm at a point where my annual dividends could...
by InvestorNewb
Sat Dec 31, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5916

Re: Delayed Gratification In Life & its fallacies

Everyone values their own things in life. For me, having the ability to retire early trumps virtually everything else. Why? Because what matters is the present. The past has already occurred and while one may have fond memories of their experiences, those experiences are now over and will fade away ...
by InvestorNewb
Wed Dec 28, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Moving from VTI+VXUS to VT (super lazy portfolio)
Replies: 8
Views: 1175

Re: Moving from VTI+VXUS to VT (super lazy portfolio)

I would not worry about rebalancing so often. Problem solved.
by InvestorNewb
Tue Dec 27, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: Picking Individual Stocks Is Dangerous
Replies: 58
Views: 5486

Re: Picking Individual Stocks Is Dangerous

Thanks for sharing. It's posts like yours that remind me why I'm an index investor.
by InvestorNewb
Fri Dec 09, 2016 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year End Distributions
Replies: 37
Views: 3830

Re: Vanguard Estimated Year End Distributions

walletless wrote:
InvestorNewb wrote:How reliable are the estimates?

They were pretty close past 2 years.

Sweet.
by InvestorNewb
Fri Dec 09, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year End Distributions
Replies: 37
Views: 3830

Re: Vanguard Estimated Year End Distributions

How reliable are the estimates?
by InvestorNewb
Tue Nov 29, 2016 9:41 am
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12184

Re: Anybody regretting holding on to your REITS?

REITs are back on a climb. Up almost 4% in the last 5 days.
by InvestorNewb
Wed Nov 16, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 469
Views: 112299

Re: Share your networth progression

HomerJ wrote:Heh, one can make it up assuming one makes $300k+ a year, and gets a bunch of options worth millions. :)

I was thinking the same. It's almost like saying you can make it up too if you happen to win the lottery.
by InvestorNewb
Fri Nov 11, 2016 10:40 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12184

Re: Anybody regretting holding on to your REITS?

I have almost 20% of my portfolio in REITs. Not buying anymore (except for reinvesting dividends).
by InvestorNewb
Tue Nov 08, 2016 11:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3333
Views: 839418

Re: U.S. stocks in freefall

SpartanBull wrote:That being said, how bad is this going to be for stocks?

Nobody knows but I'm also staying the course. Bogleheads thrive together, and we go off cliffs together too.
by InvestorNewb
Fri Nov 04, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 5846

Re: New Dentist - Lots of Recommended Work

I would go to another dentist. 12 fillings is absurd given what you describe.

I had 1 filling done about a year ago and experienced constant headaches for a month and a half after that. The tooth never bothered me in the first place. I hope to never have to repeat that process again.
by InvestorNewb
Tue Oct 25, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Condo Purchase - Radon mitigation
Replies: 19
Views: 1430

Re: Condo Purchase - Radon mitigation

Radon is a cancer-causing radioactive gas. You cannot see, smell or taste radon, but it may be a problem in your home. The Surgeon General has warned that radon is the second leading cause of lung cancer in the United States today. If you smoke and your home has high radon levels, you're at high ri...
by InvestorNewb
Thu Oct 20, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: How the Internet Destroyed Actively Managed Funds
Replies: 24
Views: 2717

Re: How the Internet Destroyed Actively Managed Funds

I doubt the internet has all that much to do with it. Morningstar has long been available at most public libraries in hard-copy. There are far more web sites where you can get bad information on picking stocks than you can get advice to buy indexes. If anything has benefited from the internet it is...
by InvestorNewb
Wed Oct 05, 2016 8:48 am
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5512

Re: BlackRock Cuts Prices on ETFs

I wonder when Vanguard will lower their fees to at least match those of BlackRock? I would like to see total market go from having an expense ratio of 0.05 to 0.03%. :) We're talking peanuts at this point for most people, but it would still be nice to see.
by InvestorNewb
Tue Oct 04, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 3969

Re: Remember This

I've held international since 2012. I will be happy when the ETF (VXUS) is back up near $55.
by InvestorNewb
Tue Oct 04, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: World markets observation
Replies: 8
Views: 1062

World markets observation

Hello, Today is the second day in a row where the vast majority of the world markets are up (attached), but U.S. and International are down. Shouldn't international also be positive given that the index encompasses (most of) the rest of the world? And given that the US is globally diversified -- in ...
by InvestorNewb
Mon Oct 03, 2016 5:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 14035

Re: Where is Livesoft?

Image
by InvestorNewb
Sun Oct 02, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Where Are My EOM Distributions?
Replies: 5
Views: 530

Re: Where Are My EOM Distributions?

You will probably get them tomorrow. Some brokers (mine included) deposit the dividends 2 days after the payment date.
by InvestorNewb
Mon Sep 26, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 3969

Re: Here we go again

YYD, domestic is +6.15% and international is +3.98%.

I started buying international in 2012 and haven't been impressed with the returns. It makes up 25% of my portfolio. Apart from reinvesting dividends, I'm not sure if I want to add any more to this position.
by InvestorNewb
Fri Sep 23, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 6414

Re: Yahoo says hackers stole info in 500 million user accounts

I only use my Yahoo account to play fantasy football. This, and also Flickr. Hadn't checked my email on Yahoo for ten years until today when I changed my password. And it was still active after 10 years of not logging in? I have trouble believing that. I had a yahoo account that I did not log into ...
by InvestorNewb
Fri Sep 23, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 6414

Re: Yahoo says hackers stole info in 500 million user accounts

I only use my Yahoo account to play fantasy football. This, and also Flickr. Hadn't checked my email on Yahoo for ten years until today when I changed my password. And it was still active after 10 years of not logging in? I have trouble believing that. I had a yahoo account that I did not log into ...
by InvestorNewb
Thu Sep 22, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar portfolio gone
Replies: 4
Views: 454

Re: Morningstar portfolio gone

Completely my fault. :oops: I was logging into morningstar.com instead of morningstar.ca.
by InvestorNewb
Thu Sep 22, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar portfolio gone
Replies: 4
Views: 454

Morningstar portfolio gone

I have a list of my holdings, including all dividend re-investments since 2012 saved at Morningstar. I notice they made some site changes, and when I logged in this morning, everything is gone. Anyone else notice this?

(I'm not a premium member, but I don't think that should make any difference.)
by InvestorNewb
Tue Sep 20, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 10001

Re: Anyone accidentally tell a friend about your inheritance?

150k is 2-3 years salary for a 21 year old college grad and attainable by the majority of the population of the USA. I doubt many are making 50k annually at 21 years old. I wasn't making 50k until I was 25. Also 50k per year is much less after taxes. According to the BLS, the average annual income ...
by InvestorNewb
Tue Sep 20, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 10001

Re: Anyone accidentally tell a friend about your inheritance?

2tall4economy wrote:150k is 2-3 years salary for a 21 year old college grad and attainable by the majority of the population of the USA.

I doubt many are making 50k annually at 21 years old. I wasn't making 50k until I was 25. Also 50k per year is much less after taxes.
by InvestorNewb
Mon Sep 19, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 10001

Re: Anyone accidentally tell a friend about your inheritance?

A good friend won't care, especially if he has a good head on his shoulders with his own ambitions. My friend recently inherited 500k. It hasn't changed anything between us.
by InvestorNewb
Sun Sep 18, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 8868

Re: 24 year old new dividend portfolio

I'm not a stock trader and with motif I buy 30 stocks at once. Again, I'm buying companies with a balance sheet I like, a wide moat and a proven track record. High speed data doesn't mean much to me. Does your moat have alligators in it and a draw bridge? In my experience having that can easily add...
by InvestorNewb
Fri Sep 16, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1504

Re: Where Do BHs Register Business Web Domains?

I have my 30+ domains at namecheap.com. Never had any issues, and yes you can redirect the domain to any URL of your choice. thank you very much do you now if the new domain may be actually used as the main URL for that already existing site? I mean, so that when people type the new name the URL na...
by InvestorNewb
Fri Sep 16, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1504

Re: Where Do BHs Register Business Web Domains?

I have my 30+ domains at namecheap.com. Never had any issues, and yes you can redirect the domain to any URL of your choice.
by InvestorNewb
Tue Sep 13, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 6718

Re: I am going to stop tilting. Sanity check.

Perhaps keep what you have in small caps, but don't add to it any further. This is what I'm doing with REITs, since they make up 20% of my portfolio. I'm simply not adding any new money to that position (only dividends).
by InvestorNewb
Tue Sep 13, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Set SWR to Total Stock Market yield?
Replies: 11
Views: 821

Re: Set SWR to Total Stock Market yield?

This is my retirement plan. I want to get to a point where I can rely completely on the dividends only, and not worry about selling shares during a down market. This way I never have to buy any bonds either. Even though I am a total return investor, my portfolio currently produces $20k a year in div...
by InvestorNewb
Mon Sep 12, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: I should be able to retire!!!! But how can I do it?
Replies: 40
Views: 5354

Re: I should be able to retire!!!! But how can I do it?

Something is not right. Nobody gets those kinds of returns unless you are in something incredibly risky.

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