Search found 1490 matches

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: 6336

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: 457

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: 23313

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: 2944

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: 4366

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: 6070

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: 6342

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: 6070

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: 6070

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: 4628

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: 1113

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
by InvestorNewb
Mon Mar 20, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 1878

Re: Quarterly Dividends

. Jhfenton, InvestorNewb, I am not familiar with ETF dividends, but normally the normal mutual fund dividend amount per share is not available (published on Vanguard site) until the day after the declaration and does not show up in the account until overnight that evening. Do Vanguard ETF dividends...
by InvestorNewb
Mon Mar 20, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6828

Re: It's worth remembering that bull markets don't last forever

It seems to me that everyone regrets not holding more stocks when they were younger. I plan on using that thinking and staying in all stocks for awhile (mid thirties right now). How much AA did you settle on? I am in mid thirties too and thinking if 70/30 is too conservative. I decided to go 100% s...
by InvestorNewb
Sun Mar 19, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 5029

Re: "Don't time the market" vs. "Buy low, sell high"

Thank you all for reminding me why I stopped coming to this site. This relentless attacking of anyone not holding "orthodox" views, or daring to challenge the prevailing BH viewpoint, is antithetical to the nature of public discourse. nedsaid, you are a better person than I for putting up...
by InvestorNewb
Sun Mar 19, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6828

Re: It's worth remembering that bull markets don't last forever

It seems to me that everyone regrets not holding more stocks when they were younger. I plan on using that thinking and staying in all stocks for awhile (mid thirties right now).
by InvestorNewb
Thu Mar 16, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9783

Re: Anyone else taking less risk

I'm still 100% equities. I hope the bull continues raging.
by InvestorNewb
Fri Mar 10, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Important Bear Market Signal sent
Replies: 19
Views: 3162

Re: Important Bear Market Signal sent

"Be Fearful when others are greedy and greedy when others are fearful."
by InvestorNewb
Thu Mar 09, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3498

Re: On Buying Used Cars and Using a Financial Advisor

You must be among the very, very small percentage of people who switch from DIY to having an advisor. Care to share what they are charging you?
by InvestorNewb
Thu Mar 09, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 1878

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

I wonder if estimates will be provided before the declaration date? I remember with the dividends in December, estimates were provided in advance.
by InvestorNewb
Thu Feb 23, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7973

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: 7973

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: 5867

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: 6332

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: 5322

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: 8525

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: 15979

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: 495
Views: 120276

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: 10521

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: 224
Views: 18750

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: 224
Views: 18750

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: 224
Views: 18750

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: 3691

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: 17313

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: 3738

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: 13304

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: 6146

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: 1281

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: 5699

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: 3962

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: 3962

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: 12659

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: 495
Views: 120276

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: 12659

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: 3401
Views: 874983

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: 6172

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: 1553

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...

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