Search found 1506 matches

by InvestorNewb
Mon May 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 70
Views: 7058

Re: Net worth is overrated

Higher net worth = more freedom, comfortable living, and opportunity to make changes in this world

Maybe net worth is overrated if you are comparing two people who are already well-off.
by InvestorNewb
Fri May 19, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 51
Views: 4756

Re: Milestone and not peeking. . .

Congratulations! Anyone else find that when they hit a new milestone it doesn't seem like a lot of money anymore. When we reached 100K it didn't seem like a lot of money. I thought if we could double it "that would be a lot of money." But when we reached 200K it no longer seemed like a lo...
by InvestorNewb
Fri May 19, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 2828

Re: REITs: Count as Stocks or Bonds?

Vanguard's REIT ETF (VNQ) was worth $63.09 on September 19, 2008. On March 6, 2009, it was worth $21.15. That's a decrease of 66.48%.

The only similarity to bonds is that they generate income. They are a completely different product and they are not a safe investment like bonds.
by InvestorNewb
Fri May 19, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3392

Re: Death in family a week before cruise

I was on a cruise recently with Holland America. We tried to cancel a few weeks before the cruise due to a family member being ill. The policy is located at: https://www.hollandamerica.com/pageByName/Simple.action?requestPage=Cancellation You can see that in all their voyages, one week would not be ...
by InvestorNewb
Wed May 17, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5465

Re: Convince me to get back into stocks!

Market timing doesn't work. The research is overwhelming.
by InvestorNewb
Sun May 14, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2371

Re: 100% Total International (0% US equity) for new investor?

If you look up the history of the international stock market you might rethink your decision:

VTI - US (red)
VXUS - International (blue)

Image

Don't let international's YTD returns dictate your preference for it.
by InvestorNewb
Fri May 05, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 5843

Re: Buffett/IBM

I work for an organization that is migrating all of its email services from Lotus Notes (IBM) to Outlook (Microsoft). As a user of both products, I much prefer Outlook.
by InvestorNewb
Fri May 05, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4278

Re: Tips From Older Bogleheads?

My guess is the tips will come down to the Boglehead principles in one form or another: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest wi...
by InvestorNewb
Wed May 03, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16882

Re: Buying a luxury car (how dumb would it be to do this?)

How will you feel if you scratch the car? Or if somebody accidentally bumps into you? I thought about buying a luxury car but I would be too worried about it all the time. And not only that, but the car will be dated in five years from now. The biggest "toy" that I bought was a $6,000 tele...
by InvestorNewb
Wed May 03, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 4970

Re: If you had 30,000 dollars to invest in your future, how would you do it?

dexter74 wrote:Got to college WHEN YOU"RE READY. That's another conversation and it's fantastic your folks will help, allowing you not to drown in student debt like so many of us.

Nobody wants to be in their 30s or 40s in a class with teenagers. Better to go sooner than later for that reason alone.
by InvestorNewb
Mon May 01, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4545

Re: Stay Out Of REITs?

REITs have been more advantageous to me than international stocks. I'm not saying that international won't have its day, but it's hard to dismiss these returns: From May 4, 2007 - April 2017, international returned 2.77% From May 4, 2007 - April 2017, REITs returned 65.71% ... and that's without di...
by InvestorNewb
Thu Apr 27, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4545

Re: Stay Out Of REITs?

REITs have been more advantageous to me than international stocks. I'm not saying that international won't have its day, but it's hard to dismiss these returns: From May 4, 2007 - April 2017, international returned 2.77% From May 4, 2007 - April 2017, REITs returned 65.71% ... and that's without div...
by InvestorNewb
Wed Apr 26, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36607

Re: Larry Swedroe says "Goodby."

Thanks for all of your outstanding contributions here! Best of luck with your new endeavors.
by InvestorNewb
Tue Apr 25, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14353

Re: Retirement income for 50+ years?

In this thread you said you sold your company and have $1M to invest:
viewtopic.php?f=1&t=217380&p=3342217#p3342217

... and now it's $11M?
by InvestorNewb
Tue Apr 25, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8961

Re: Why is Real-Estate so Bad?

You will find die hard real estate investors in the same way that you will find die hard index investors. This is an indexing forum, so obviously most people here will favor the latter. I know a few real estate investors and they don't like the uncertainty of the market. They like the control they h...
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: 6639

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: 539

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: 24354

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: 3256

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: 4514

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: 6315

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: 6570

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: 6315

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: 6315

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: 4761

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: 1157

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: 1919

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: 6962

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: 5455

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: 6962

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: 10073

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: 3204

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: 3573

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: 1919

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: 8147

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: 8147

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: 5974

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: 6569

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: 5378

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: 8898

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: 16332

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: 122281

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: 10645

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: 19138

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: 19138

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: 19138

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: 3753

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...

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