Search found 1589 matches

by InvestorNewb
Mon Aug 19, 2019 1:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139990

Re: U.S. stocks continue to soar!

Goes to show the importance of not selling.
by InvestorNewb
Fri Jul 12, 2019 9:33 am
Forum: Personal Investments
Topic: Should I continue to hold REITs?
Replies: 61
Views: 10611

Re: Should I continue to hold REITs?

I bought most of my REIT shares when VNQ was priced around $72. My REIT pile throws off about $5,000 in dividend income every year so I can't really complain.
by InvestorNewb
Mon Jul 01, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 21068

Re: Do you share your net worth with family members?

I told my parents when I hit the $1M mark. They are also millionaires and I wanted them to be proud of their son for reaching such a target. I'm especially glad that I shared the news with them because my mother is no longer around. I wanted them to know that I made it.
by InvestorNewb
Fri Apr 05, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139990

Re: U.S. stocks continue to soar!

Anyone else getting concerned? These past few weeks have been great. :moneybag No. Not any more concerned than usual. InvestorNewb, do you still have your big dollop (20-25%) of REIT fund? That fund is having a good run at present. :beer I haven't made new contributions to my REIT fund (apart from ...
by InvestorNewb
Fri Apr 05, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139990

Re: U.S. stocks continue to soar!

Anyone else getting concerned? These past few weeks have been great. :moneybag
by InvestorNewb
Thu Apr 04, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 15161

Re: Would you buy Total World index if it had Admiral Shares

2019 Follow up - Have you decided to buy VT at 0.09% or VTWAX at 0.10% !? I haven't. I have stayed true to my original purchases of VTI+VXUS+VNQ+VCN. I am very happy with the results. I have been holding those ETFs since 2012 and hope to be holding them for decades more :) What is VCN? There doesn'...
by InvestorNewb
Thu Apr 04, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 15161

Re: Would you buy Total World index if it had Admiral Shares

My question for you is: How low would the expense ratio for Total World index fund have to be to get you to buy it? I would be tempted to use Total World if it had an expense ratio of 0.11% - this is the average expense ratio for VTI + VXUS. 2019 Follow up - Have you decided to buy VT at 0.09% or V...
by InvestorNewb
Mon Jan 28, 2019 8:46 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 4179

Re: Happy Birthday, Taylor!

Happy Birthday, Taylor! :beer
by InvestorNewb
Thu Jan 17, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 53657

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: 1431
Views: 139990

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: 11854
Views: 2027127

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: 8650

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: 808

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: 1826

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: 530

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: 19263

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: 6605

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: 733

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: 733

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: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 29823

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: 625

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: 625

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: 113581

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: 1719

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: 12480

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: 3062

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: 2447

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: 23132

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: 1024
Views: 279309

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: 5530

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: 3520

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: Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 7104

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: Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 26886

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: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 6655

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: Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 7104

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: 11854
Views: 2027127

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: 12865

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: 12865

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: 16914

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: 12865

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: Personal Investments
Topic: How consistent will VNQ dividend be?
Replies: 66
Views: 8651

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: Personal Investments
Topic: What is the point of an ETF version of a total stock index fund?
Replies: 15
Views: 1609

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: 916

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: US Chapters
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 25425

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: 21836

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: 21525

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: Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 2352

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: Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 20889

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: 5628

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?