Search found 1581 matches

by InvestorNewb
Thu Jan 17, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 803
Views: 38359

Re: John Bogle has died at age 89

Thank you Mr. Bogle for all you have done for the industry and for how you have impacted my personal life.

It is thanks to you that I save a tremendous amount in fees every year, and for that I will be forever grateful.
by InvestorNewb
Wed Dec 26, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60515

Re: U.S. stocks continue to soar!

Today highlighted the importance of not selling. Total stock market up almost 5%, the biggest daily point gain ever.
by InvestorNewb
Mon Dec 24, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782129

Re: U.S. stocks in free fall

So glad to be 0% equities. Feels great to sit this one out. The amount of money I'm NOT LOSING is incredible. I predicted this and caught a lot of grief for it. Wish you guys came along with me. It's not too late to get out, this is just the beginning. If you're younger than 40 years old, none of t...
by InvestorNewb
Mon Dec 17, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8163

Re: When has being frugal or cheating out bit you in the rear?

I regret not buying graduation photos after graduating university. I remember at the time they seemed really expensive. Even though I could have easily bought them, I opted not to.
by InvestorNewb
Thu Nov 29, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Need advice on finding a coder
Replies: 6
Views: 780

Need advice on finding a coder

I am in the process of looking for a coder to complete what I consider to be a large project that I have been working on for the last two years. I have developed many front-end templates and now I need a back-end developer to basically put the web site together and make it functional. I am looking t...
by InvestorNewb
Tue Nov 13, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1580

Re: Vanguard Year-End distribution estimates

Where are the estimates for the ETFs posted?
by InvestorNewb
Fri Nov 09, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Tips for protecting buyer from fraud by seller
Replies: 5
Views: 499

Tips for protecting buyer from fraud by seller

Hello, I am in Canada and I am considering buying some collectible items from a seller on Ebay who is in Germany. I missed out on buying a product (clothing items) that used to be sold in the U.S. for $200. The company stopped manufacturing them about one year ago and now the product is very difficu...
by InvestorNewb
Thu Oct 25, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17664

Re: Why I'm 100% stocks

I'm still 100% stocks even in the recent downturn. >1M invested and not panicking.
by InvestorNewb
Thu Oct 11, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 6122

Re: Anyone done a Hair Transplant?

Don't do it. I almost had one done at the age of 26 (even paid the deposit but chickened out). Fast forward 10 years, and I'm now completely bald. If I went ahead with the procedure, I would have a giant visible strip scar on the back of my head today. My older brother had two hair transplants done ...
by InvestorNewb
Mon Sep 10, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Best cloud hosting provider?
Replies: 4
Views: 705

Re: Best cloud hosting provider?

Thanks for the responses. My site is hosted on a shared host right now and it has been managing just fine. However, I would like the ability to scale if needed in the future. I also need PHP+MySQL compatibility.
by InvestorNewb
Fri Sep 07, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Best cloud hosting provider?
Replies: 4
Views: 705

Best cloud hosting provider?

I have done some research on the web sites holding the top 5 positions in Google's organic search results, and it seems to me that there is an SEO benefit for sites that are hosted in the cloud. All of the sites I looked at have name servers like ns.cloudflare.com or ns.digitalocean.com. The big pro...
by InvestorNewb
Mon Aug 27, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28842

Re: What to do after losing $117k in stock market?

Just don't be like one of those people who keeps trying to "make his money back" like addicts at the casino. I used to go to the casino with a friend who would consistently lose and ask me to borrow money which I did not give him. I eventually stopped going with him because it was no longer fun seei...
by InvestorNewb
Tue Aug 21, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Help with web development contract
Replies: 8
Views: 588

Re: Help with web development contract

I want to make sure that the programmer does not: - steal my content/files - give other people FTP access to either server environment - re-use the same code on another site - sell my work, etc. Thanks! I would not work for someone who would expect me to sign this..It comes across as paranoid. Just...
by InvestorNewb
Tue Aug 21, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Help with web development contract
Replies: 8
Views: 588

Help with web development contract

After 2.5 years in part-time development, I'm nearing the final stages of creating a new version of my web site's front end. I will need to hire a programmer to migrate content from my old web site to the new one and make the back-end functional on the new site. He will need access to (1) my old web...
by InvestorNewb
Wed Aug 15, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107976

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I have about 25% international. I'm just happy that I've never rebalanced into it. I don't plan on buying anymore of it either except with dividend reinvestments.
by InvestorNewb
Tue Aug 07, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1615

Re: A week in Budapest?

I was in Budapest two weeks ago. We did a hop on/hop off bus tour which included a cruise in the evening. It was very nice.

Be prepared to pay to use washrooms. Even in McDonald's, there was an attendant requesting money to use the facility.
by InvestorNewb
Fri Aug 03, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 12255

Re: 3 Levels of Wealth

This one goes to 11: http://investmentmoats.com/wp-content/uploads/2016/01/10-Stages-of-Wealth.gif Article that goes with the image: http://investmentmoats.com/financial-independence/stages-of-wealth-financial-independence/ I just downloaded our mentor's book titled "Enough". Good read and germane ...
by InvestorNewb
Wed Jul 04, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Can you just hold VOO VTI and call it a day?
Replies: 10
Views: 1758

Re: Can you just hold VOO VTI and call it a day?

VOO and VTI are broadly similar. Such that I don't really make a distinction between the two. It feels to me like those are my strongest options. I do have about 3% in VXUS, but, not really sure that it makes much difference for me. So, generally I just buy those two. 3% is not enough to make a mea...
by InvestorNewb
Sun Jul 01, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2397

Re: How does this ebay scam work?

Are you sure it wasn't an honest mistake? Sellers rely on their reputation and once that is gone so is their business...
by InvestorNewb
Fri Jun 22, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22536

Re: Did you celebrate when you finally hit $1m?

At $1m, I made a little video of me speaking to the camera on how I got to that point and I also filmed the $1m account balance on Morning star. I did it for me to look back at one day with no plan to post it publicly. I celebrated by going on a family cruise. Although the cruise was pre-planned so ...
by InvestorNewb
Thu Jun 14, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232768

Re: Share your net worth progression

Here are the amounts that I recall with a little story for each: Age 22 - $30,000 I graduated university with $30k in savings. I was ahead of most of my peers because my parents paid for my schooling and I did not have to go into debt. After graduating, I spent the next few years working on my busi...
by InvestorNewb
Thu Jun 07, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 42
Views: 5173

Re: "Find out if your fund is declaring a dividend this month"

I don't see Vanguard's REIT fund on that page. Any ideas why this could be?
by InvestorNewb
Fri Apr 06, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: What Did I Just Do? (Possible Scam)
Replies: 13
Views: 3395

Re: What Did I Just Do? (Possible Scam)

I would Google the phone number to see if the number is found on Merill Lynch's web site. If no, it's a scam.
by InvestorNewb
Tue Feb 06, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6867

Re: Am I being greedy?

InvestorNewb, you still reading this? Just wondering if the recent market volatility has affected your plans at all. InvestorNewb, you still reading this? Just wondering if the recent market volatility has affected your plans at all. I'll predict that he's sticking to his plan. He's been here for s...
by InvestorNewb
Fri Jan 26, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 25109

Re: I bought a stock today - Redfin (RDFN)

20% on one stock is way too high.
by InvestorNewb
Thu Jan 25, 2018 8:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5961

Re: Happy Birthday, Taylor!

Happy Birthday Taylor! Thank you for getting me on the right path by responding to my very first post.
by InvestorNewb
Mon Jan 22, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6867

Am I being greedy?

I have more than doubled my investments since I started investing in 2012. It is all thanks to this forum and my own dumb luck of getting in at the right time. The risk of being 100% invested in stocks has paid off well. With that said, I can't help but always wanting to reach the next milestone. I ...
by InvestorNewb
Fri Jan 05, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782129

Re: U.S. stocks in freefall

It's hard to believe the total stock market index (VTI) ETF closed today at $140.37. I still remember buying into it in 2013 in the high $70 range -- thinking it was "expensive" back then. :sharebeer
by InvestorNewb
Tue Dec 19, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 12448

Re: Vanguard year end distributions - updated estimates

It's December 19th and I don't see the amounts posted for the ETFs. They won't be posted until after they are formally declared. Most likely won't show up online until the ex-dividend date for each ETF. The PDF lists today (12/19) as the declaration date for VTI, VXUS, and VNQ: https://personal.van...
by InvestorNewb
Tue Dec 19, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 12448

Re: Vanguard year end distributions - updated estimates

It's December 19th and I don't see the amounts posted for the ETFs.
by InvestorNewb
Fri Dec 08, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 99
Views: 16490

Re: Just not getting it

I'm sure many of us have toyed with the idea that you are thinking about. My philosophy is that I want to be able to sleep at night. I'm already very heavy in stocks (almost my entire net worth) and feel that I am taking enough risk with TSM/TISM. I am happy with my returns so far and taking greater...
by InvestorNewb
Fri Dec 08, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 12448

Re: Vanguard year end distributions - updated estimates

Are the estimates for the ETFs in the "net income available" column?

https://personal.vanguard.com/pdf/YEETF_122017.pdf

From what I recall last year, the actual amounts are usually higher than the estimates.
by InvestorNewb
Fri Nov 03, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: How consistent will VNQ dividend be?
Replies: 66
Views: 7657

Re: How consistent will VNQ dividend be?

I have the majority of my tax-deferred account in REITS - VNQ. I've been happy with the dividend growth each year (started investing in 2012). Here is a chart that shows the annual dividend increase/decrease: https://www.dividendinvestor.com/dividend-quote-new/?Symbol=VNQ As you can see, the only ti...
by InvestorNewb
Mon Oct 30, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What is the point of an ETF version of a total stock index fund?
Replies: 15
Views: 1524

Re: What is the point of an ETF version of a total stock index fund?

The ETF is offered in Canada but the mutual fund is not. I am thankful for this.
by InvestorNewb
Fri Sep 01, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: "The Case for Owning the U.S. Market Portfolio"
Replies: 4
Views: 871

Re: "The Case for Owning the U.S. Market Portfolio"

"Any deviation from this U.S. market portfolio represents an active bet."

It seems to me they are using the words 'active bet' to mean what they want. I don't see how investing in the world is considered an active bet.
by InvestorNewb
Fri Sep 01, 2017 9:08 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 24031

Re: [Are the Bogleheads] getting less interesting?

I remember when I first started my investing plan I had many questions which I posted here. It was fun posting the questions and seeing the responses. It helped me formulate a plan which I stick to even today. It isn't the forum itself that is less interesting -- but your interest in the forum. I ha...
by InvestorNewb
Mon Aug 21, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 20565

Re: I own no international stocks. Can you guess why?

I'm guessing it's because the top US companies get 50% of their revenue from international sources. Bogle has said this in the past.

We are looking forward to your reply, Taylor. :)
by InvestorNewb
Fri Aug 18, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 20573

Re: Jobs that pay over $100,000

Jags4186 wrote:
Fri Aug 18, 2017 2:53 pm
Sales or Human Resources.
I doubt many HR jobs pay 100k+, at least not at the start. HR is also usually the first department to experience downsizing when companies need to reduce expenses.
by InvestorNewb
Fri Aug 18, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 2232

Re: How do you know how much your portfolio lost/gain in one day?

Morningstar calculates this automatically for you. You have to create an account and then you can see what you are up or down on any given day.
by InvestorNewb
Fri Aug 18, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 20135

Re: Lost $7000 today in ONE DAY!

The trick is to avoid looking at your balance on down days. Only do this when the market is at highs. This advice has worked for me and while I can guess how much I'm down I don't know the real balance because I avoid looking. Focus on the income that you get with your investments. I take comfort in...
by InvestorNewb
Thu Aug 17, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 5364

Re: Other people's perception of your finances

It sounds like you are being taken advantage of. Nice people offer to pay their fair share. Even nicer people insist on paying their fair share.

Could it be possible that they simply can't afford it?
by InvestorNewb
Wed Aug 16, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 36
Views: 3615

Re: what % of international stock

I have around 20% international. Nobody knows the right answer so why not hold at least 20%?
by InvestorNewb
Wed Aug 16, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 13196

Re: Is $9000 too much for a sectional sofa ?

I wouldn't do it. I paid $5,000 for an LED television and regretted it a few months later.

Given that spills are inevitable with kids, even more reason not to get a fancy one. But if 9k is peanuts to you, or if you don't care about the couch getting ruined, then why not.
by InvestorNewb
Wed Aug 02, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3892

Re: Will my older self thank me?

I think frugality is a common trait shared by Bogleheads. I'm also like that but if I have clothes that are visibly worn out, I will buy new ones. I happen to hate shopping which is my biggest reason for wearing the same clothes. I would not cheap out on such items since they will help you attract a...
by InvestorNewb
Tue Aug 01, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1994

Re: Who's Responsible?

With small value items, the mail carriers tend to just leave the product at the door and risk the item being stolen.
by InvestorNewb
Wed Jul 26, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 3741

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

I only have experience with taxis and Uber. I must say that after using Uber on many occasions, I will never use a taxi again unless I have to. This might be for work or in a city where Uber is not available. I like the convenience of Uber and knowing exactly how much my ride will cost before reques...
by InvestorNewb
Wed Jul 26, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: VNQ allocation [Vanguard REIT Index]
Replies: 20
Views: 2296

Re: VNQ allocation

I would either remove your VNQ allocation or increase it. At 1.3% of your portfolio, there is no need for it because it is not enough to "move the needle". I have about 17% of my portfolio in REITs (started investing in 2012). The total US stock mark has outperformed REITs during that period. The ge...
by InvestorNewb
Fri Jul 21, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for term life insurance
Replies: 5
Views: 596

Signing up for term life insurance

I'm in the process of signing up for term life insurance. I'm able to get 500k worth of coverage for 30 years for $65/month. The premium will never go up during that period. One thing that really bothers me about the registration process is that the company seems hesitant to let me fill out the heal...