Search found 1417 matches

by InvestorNewb
Tue Aug 23, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity for 28 Year Old Hippie
Replies: 37
Views: 3530

Re: Annuity for 28 Year Old Hippie

What's wrong with blowing through the money in a year or two? Maybe he'll have fun. Did your friend, the hippie's brother, also receive a similar inheritance? How does he plan to invest it? Maybe he could suggest a similar plan for his brother. I hear suggestions for a trust, but don't see a good p...
by InvestorNewb
Fri Aug 19, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 51
Views: 3254

Re: Instant oatmeal vs "regular" oatmeal

Sadly this thread will probably close soon because of the health question. I eat the one minute oat meal every day. Just don't stand next to the microwave when you heat it up. :)
by InvestorNewb
Thu Aug 18, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buy exact number of mutual fund shares possible?
Replies: 14
Views: 601

Re: Buy exact number of mutual fund shares possible?

I've done this with ETFs before, but there isn't really a point. What will you do when dividends are reinvested? Your number will change quarterly if you reinvest the dividends.
by InvestorNewb
Wed Aug 17, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: Computer Security [Risk of using online financial services]
Replies: 25
Views: 1704

Re: Computer Security

I am looking for opinions on the risk involved in using online financial services. I have a number of accounts - two brokerage and two transfer agents - that I access in a number of ways, including web and native mobile apps. In addition, I am considering using personalcapital.com as an aggregator ...
by InvestorNewb
Tue Aug 16, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 252
Views: 26341

Re: Self-made Millionaires: how did hitting 7 figures change you?

I'm almost at the $1M mark (about 50k to go) and I don't feel any different. I still work 9-5 and you would never guess by my lifestyle.

I'm 33 years old and spend ~32k per year and drive a 10 year old car.
by InvestorNewb
Sat Aug 13, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Data recovery
Replies: 12
Views: 933

Re: Data recovery

Do you get a clicking noise when you plug the drive in? I have a drive that failed a few years ago and I get this noise when I connect it. The freezer trick didn't work for me.
by InvestorNewb
Thu Aug 11, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 2725

Re: How to address a college professor with PhD. (Dr. or Prof.)

I never once addressed any of my professors other than by their first name.
by InvestorNewb
Thu Aug 11, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 82
Views: 6833

Re: Bogle & Buffett on International Investing

orca91 wrote:Again, does the US investor care? If the US returns say 7% over a decade and international returns 8%, does the US investor care? Maybe, maybe not... probably not, 7% is good enough.


Surely the Boglehead investor would care. If they didn't, you could say the same thing about a 1% AUM fee.
by InvestorNewb
Tue Aug 02, 2016 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help correcting my old investment mistakes
Replies: 23
Views: 1380

Re: Help correcting my old investment mistakes

You don't expect us to have the tickers memorized, do you? I would edit your post for more helpful responses.
by InvestorNewb
Wed Jul 27, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: Revisiting Dr. Bernstein on REITs
Replies: 29
Views: 3287

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: 30
Views: 2134

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: 1139

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: 1139

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: 49
Views: 5069

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: 3644

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: 3644

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: 193
Views: 16270

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: 4228

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: 5428

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: 5318

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: 2542

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: 611

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: 1802

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: 1802

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: 1802

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: 693

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: 1070

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: 2320

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: 11156

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: 3457

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: 3137

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: 101
Views: 9679

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: 4614

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: 3941

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: 226
Views: 23889

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: 2549

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: 284

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: 3681

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: 16270

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: 2936

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: 4132

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: 3018

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: 517

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: 272

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: 1766

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: 2449

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: 2510

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...

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