Search found 1433 matches

by InvestorNewb
Mon Sep 26, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 12
Views: 1627

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: 79
Views: 4598

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: 79
Views: 4598

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: 357

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: 357

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: 9055

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: 9055

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: 9055

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: 7145

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: 1173

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: 1173

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: 6049

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: 713

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: 4969

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.
by InvestorNewb
Wed Aug 24, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with pros/cons for buying a 1M investment property in LA
Replies: 44
Views: 2643

Re: Help me with pros/cons for buying a 1M investment property in LA

You will get different answers depending on where you ask this question. I would also try posting your question on biggerpockets.com, as that seems to be a popular real estate forum that is frequently mentioned here.
by InvestorNewb
Wed Aug 24, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Young man in a bind/car totalled/no insurance
Replies: 39
Views: 3955

Re: Young man in a bind/car totalled/no insurance

If someone is caught without insurance, it automatically results in a $5,000 fine where I live.
by InvestorNewb
Tue Aug 23, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity for 28 Year Old Hippie
Replies: 41
Views: 4637

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: 3479

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: 632

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: 31
Views: 2637

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: 299
Views: 39274

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: 996

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: 2868

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: 102
Views: 8865

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: 1448

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: 3377

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: 2227

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: 1195

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: 1195

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: 5241

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: 3775

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: 3775

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: 16950

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: 4323

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: 5592

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: 5475

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: 2636

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: 657

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: 1896

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: 1896

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: 1896

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: 739

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: 1111

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: 2387

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: 11380

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: 3521

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: 3213

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: 112
Views: 12275

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.

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