Search found 1370 matches

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: 2097

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 2:31 pm
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 47
Views: 5913

Re: New Book: Living off Your Money (Michael McClung)

Bogleheads are a tough (frugal) crowd.
by InvestorNewb
Thu May 26, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2221

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: 5752

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: 263

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: 2221

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: 2221

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: 2416

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: 903

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: 334

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: 864

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: 1801

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: 348

Re: Tracking returns

^ Thanks. I will try that out.
by InvestorNewb
Wed May 18, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 140
Views: 14380

Re: Renting vs owning

The problem with renting is that ANYONE can be your neighbor and your landlord is unpredictable. Buying a home at my income level ensures somewhat your neighbors will share similar values and income level. Buying does not ensure that you will have good neighbors. Sure you may have similar income le...
by InvestorNewb
Tue May 17, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Tracking returns
Replies: 3
Views: 348

Tracking returns

Hello,

What is the easiest way to track investment returns? I want to know how well I am doing each year.

It would be great if I had a self-updating spreadsheet which would give me a net worth update every month also.
by InvestorNewb
Mon May 16, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: When is the last time Vanguard altered target date allocations?
Replies: 8
Views: 1069

Re: When is the last time Vanguard altered target date allocations?

I prefer buying the individual components. It's cheaper and more tax-efficient.
by InvestorNewb
Tue May 10, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Quesiton: AAPL or FB?
Replies: 21
Views: 1558

Re: Stock Quesiton: AAPL or FB?

I would take Apple over FB since we all know what happened to MySpace. With that said, I'm happy I don't own 1 individual stock since there are so many great companies.
by InvestorNewb
Fri May 06, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13850

Re: how much cash do you carry in your wallet?

Usually between $20 - $200. I used to carry between $800-$1000 when I was going to the casino. I needed a lot of cash to employ my "strategy" which meant doubling up on losses.
by InvestorNewb
Fri May 06, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: Outrageous Index Funds
Replies: 12
Views: 1920

Re: Outrageous Index Funds

I feel sorry for the poor souls who don't know any better about fees.
by InvestorNewb
Thu May 05, 2016 8:31 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 52
Views: 5037

Re: Revealing Usernames

Maybe a warning on the registration page would be more practical? If someone really wants to use their real name, I don't see why they shouldn't be able to.
by InvestorNewb
Fri Apr 29, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 60
Views: 4446

Re: Investment Fee's [too high?]

Yes, it is too high. You have come to the right place.

Try the following calculator out for yourself:
https://personal.vanguard.com/us/insigh ... nding-tool
by InvestorNewb
Fri Apr 29, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4686

Re: Young Male Living with Parents

I moved out at 26 with the net worth you have now. I regret not leaving sooner for privacy reasons. I think living at home kept me back from establishing better relationships. I am still single at 33, but with significantly more worth.
by InvestorNewb
Fri Apr 29, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 140
Views: 14380

Re: Renting vs owning

All of my friends who "own" real estate are house-poor. No thanks.
by InvestorNewb
Fri Apr 29, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Do I need anything more than WillMaker?
Replies: 13
Views: 1231

Re: Do I need anything more than WillMaker?

With your net worth I would definitely see an attorney. Why take the risk?
by InvestorNewb
Thu Apr 28, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Wire transfer issue
Replies: 11
Views: 928

Re: Wire transfer issue

I was told it could take between 7-15 days, and we are now approaching 10 days. I'd just be patient and wait. I'd be antsy at day 16 not day 10. :) If it doesn't arrive wouldn't you call the appropriate dept of the company that was wiring you the money? I will wait it out. The reason why I'm antsy ...
by InvestorNewb
Thu Apr 28, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]
Replies: 15
Views: 1002

Re: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]

Check out the 16 year return of the Vanguard Total International Stock Index Fund (VGTSX). Do you really want to add more risk?
by InvestorNewb
Thu Apr 28, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: The All Seaon Portfolio by Tony Robbins
Replies: 11
Views: 2683

Re: The All Seaon Portfolio by Tony Robbins

Bob B wrote:Tony Robbins is an entertainer. Why anybody would consult him for financial advice is puzzling to me.

On the plus side at least he is bringing attention to high fees. 0.75% is better than 2%.
by InvestorNewb
Thu Apr 28, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Wire transfer issue
Replies: 11
Views: 928

Re: Wire transfer issue

Then they will probably send it by fedwire or far less likely, SWIFT. For this small dollar amount I wonder why they didn't just send it via ach? I'm not sure why you expect the customer service at your bank to be able to help you with this. Until the money comes in they don't have visibility. The ...
by InvestorNewb
Thu Apr 28, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Wire transfer issue
Replies: 11
Views: 928

Re: Wire transfer issue

Thanks for the responses. In my case, I didn't submit the CHIPS UID number at all. Do you mean you submitted a form to the company to send money to your bank? It almost sounds like you submitted a request to the bank to receive funds which is weird. Wires usually are submitted by the sender of funds...
by InvestorNewb
Wed Apr 27, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3644

Re: Should I accept this offer on my house?

It's hard to comment without details, but if you asked for 450 and they offered 420, they seems pretty reasonable to me.
by InvestorNewb
Wed Apr 27, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Wire transfer issue
Replies: 11
Views: 928

Wire transfer issue

Hello, Last week, I submitted a wire transfer form with my bank account details to receive funds from a well-known company. The funds are being sent from the US to Canada. Yesterday, I realized that two pieces of information were missing from the form because they were not labelled on the form: CHIP...
by InvestorNewb
Wed Apr 27, 2016 9:07 am
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 175
Views: 9668

Re: dividend stocks

As I figure things out for myself. I can put my money into a dividend paying fund, in my case (VHDYX) and add more money into the fund for the next 7-8 years (dca) & be totality financially independent after that. I figure if I'm smart by the time I'm 30 years old I can retire if I would like. ...
by InvestorNewb
Sun Apr 24, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 175
Views: 9668

Re: dividend stocks

As Taylor Larimore would say, when experts disagree, it usually doesn't matter. Therefore, pick the total return and/or the dividend strategy -- whatever suits your preference. I chose a bit of both. For instance, REITs currently have very high dividends (> 4%) but they are taxed as ordinary income....
by InvestorNewb
Fri Apr 22, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: James Dale Davidson's prediction of 2016 collapse
Replies: 42
Views: 4155

Re: James Dale Davidson's prediction of 2016 collapse

I can't believe anyone takes these market collapse predictions seriously. Same thing every year.
by InvestorNewb
Fri Apr 22, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Why did Vanguard Reit go down
Replies: 9
Views: 1671

Re: Why did Vanguard Reit go down

Vanguard REIT Index Fund (VNQ) is down 2.31% in the past 5 days according to Google Finance.

YTD, it's up 2.16%.
by InvestorNewb
Fri Apr 22, 2016 9:06 am
Forum: Investing - Theory, News & General
Topic: Explaining a Total Return Withdrawal Strategy to Clients
Replies: 24
Views: 2656

Re: Explaining a Total Return Withdrawal Strategy to Clients

My "beef" with dividend investors, at least from the blogs I read, is that few of them want to compare their returns to the S&P 500. That leads me to think they are under performing it.
by InvestorNewb
Wed Apr 20, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: REIT in taxable?
Replies: 8
Views: 832

Re: REIT in taxable?

deleted
by InvestorNewb
Wed Apr 20, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9305

Re: Cannot Pay Huge Tax Burden

What about driving Uber on the side?
by InvestorNewb
Wed Apr 20, 2016 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Retiring from REIT's & Bonds income
Replies: 7
Views: 896

Re: Retiring from REIT's & Bonds income

You may want to read a similar thread that I created on this topic: Would 100% REITs ever make sense?
by InvestorNewb
Tue Apr 19, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 4289

Re: What is "wrong" with having more funds in a portfolio?

The better question to ask is: what is the point in having more funds in a portfolio?
by InvestorNewb
Mon Apr 18, 2016 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 623509

Re: U.S. stocks in freefall

The importance of not selling = this thread
by InvestorNewb
Sat Apr 16, 2016 7:12 am
Forum: Investing - Theory, News & General
Topic: Quick Question - To Time or Not to Time
Replies: 14
Views: 1333

Re: Quick Question - To Time or Not to Time

I would just buy now. It's only $2,800 and won't really matter much either way.
by InvestorNewb
Fri Apr 15, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: [Tax filing mistakes made by your CPA (or yourself)]
Replies: 69
Views: 4501

Re: How often does your CPA screw up your taxes?

I pay $2,000 for my corporate taxes and usually find at least one arithmetic error per year. A high price doesn't mean the accountant is immune to making mistakes. Humans are prone to making mistakes.
by InvestorNewb
Thu Apr 14, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: REITs being given sub-sector in S&P
Replies: 2
Views: 568

REITs being given sub-sector in S&P

Hello, I recently read an article that says that come September, REITs will have their own sub sector in the S&P. The excerpt is below. Is it true that this could impact the price of REIT shares? I'm skeptical that it could, given that the information should already be priced in. Also: doesn't t...
by InvestorNewb
Tue Apr 12, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 9941

Re: Friend is an Edward Jones financial advisor -- should I drop him?

I don't want friends knowing how much money I have saved. That is none of their business.
by InvestorNewb
Wed Apr 06, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Dental implant or retreatment of root canal?
Replies: 9
Views: 878

Re: Dental implant or retreatment of root canal?

I would wait it out. Even though it's different, I had a filling done on my wisdom tooth and it was giving me a lot of pain for about a month. I was taking 5 tylenol per day to deal with the persistent headaches. The dentist offered to refill or pull the tooth free of charge. Sure enough, it got bet...
by InvestorNewb
Tue Apr 05, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Proceeds From Hobby (Rock Band)
Replies: 4
Views: 428

Re: Handling Proceeds From Hobby (Rock Band)

I wouldn't even bother since as you say, the amounts are small. I also wouldn't open a joint account with anyone unless I trusted them completely.

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