Search found 1546 matches

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: 666

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: 16936

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: 13576

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: 16023

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: 1640

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: 16215

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: 4110

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: 31
Views: 1805

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: 8572

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: 3238

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: 1571

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: 2154

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: 1455

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: 442

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...
by InvestorNewb
Mon Jul 10, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5865

Re: Thoughts on individual dividend investing?

badbreath wrote:the only person I know who got rich off of dividend stock picks is Dividend Mantra who sold his website.
He started a new website called Mr Free at 33. What is your definition of rich?
by InvestorNewb
Tue Jun 27, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 1725

Re: Do you check your dividends?

I check mine every quarter. Only 4 ETFs so it only takes a few minutes but I look forward to it.

Sometimes I notice the amount that I receive is off by 1 or 2 cents maximum.
by InvestorNewb
Tue Jun 20, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 4951

Re: "Waiting for the Market to Crash is a Terrible Strategy"

Staying invested has paid off handsomely. I have no intention of selling anytime soon.
by InvestorNewb
Mon Jun 19, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4899

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS). http://www.dividend.com/dividend-stocks/uncategorized/other/vti-vanguard-total-stock-market-etf/ Here is VTI; VXUS not yet declared. Strange.. why would it be posted there prior to the information being made publi...
by InvestorNewb
Mon Jun 19, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4899

Re: "Find out if your fund is declaring a quarterly dividend in June."

livesoft wrote:
InvestorNewb wrote:l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS).
"today" means 23:59:59 in Vanguard time.
Seems like a great way to annoy customers. In that case they should just say 06/20 is the declaration date.
by InvestorNewb
Mon Jun 19, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4899

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS).
by InvestorNewb
Thu Jun 15, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3969

Re: scary phone calls

The solution is simple: block + delete.
by InvestorNewb
Wed Jun 14, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 150857

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 busin...
by InvestorNewb
Wed Jun 14, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 4031

Re: Bought $31K Stocks Today: Am I Mad?

DomDangelina wrote:Am I completely insane for not waiting for things to cool off?
Not at all.
by InvestorNewb
Wed Jun 14, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 196
Views: 79538

Re: [Why did my fund suddenly drop in value?]

Whakamole wrote:Any word yet on the timing for the June distributions?
The declaration dates are listed at:
Find out if your fund is declaring a quarterly dividend in June
by InvestorNewb
Wed Jun 14, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5729

Re: I'm going to be rich!

It's a depressing thought looking out that far.
by InvestorNewb
Tue Jun 13, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 8169

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Should have responded with "none of your business". That likely would have eliminated me from consideration, but if that's the case, then I think is that really a company I want to work for? This is a family business that was recently bought by a larger corporation. Some of the Glassdoor reviews in...
by InvestorNewb
Tue Jun 13, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 6300

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

If they are so confident why are they not shorting the market with their life savings? I rest my case.
by InvestorNewb
Mon Jun 12, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 150857

Re: Share your net worth progression

We've estimated that the last one probably cost us an extra $90,000 - $100,000 total since was born in 2012. Maybe a little more. That is on the high side considering the following quote: The average cost of raising a child born in 2013 up until age 18 for a middle-income family in the U.S. is appr...
by InvestorNewb
Fri Jun 09, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 11588

Re: Jim Rogers predicting "crash of a lifetime" this year or next

It's going to happen later this year or next according to the article. And it's going to be the "worst" in the interviewer's lifetime. Pretty bold statements.

It's sad that people believe such predictions.
by InvestorNewb
Thu Jun 08, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Debit charge I didn't make ...
Replies: 20
Views: 2387

Re: Debit charge I didn't make ...

I've had this happen with my credit card but never with debit. How much was the charge for?

I didn't realize there were pending transactions with debit. I thought the amount was debited the instant the purchase was made.
by InvestorNewb
Thu Jun 08, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 8522

Re: 100% Stock Portfolio?

I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there. Just curios, but what % do you allocate to each fund? US - 50% US REIT - 15% ...
by InvestorNewb
Thu Jun 08, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 7852

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

The problem is you have to bet big to win big. That is unless you happened to get extremely lucky and buy these companies when they first went public.

bottlecap brings up a good point. If they made that much of a killing, why are they still working?
by InvestorNewb
Thu Jun 08, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 8522

Re: 100% Stock Portfolio?

I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there. Nice. How much did you start with? Started with about $500k in 2012. I'm not ...
by InvestorNewb
Wed Jun 07, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 8522

Re: 100% Stock Portfolio?

I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there.
by InvestorNewb
Fri May 26, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1298

Re: Interview follow-up

I'm confused, they asked for and checked for references and haven't provided a conditional job offer yet? I ask because I encountered the same situation last year. I don't know if this is a new "thing" with employers, but it's pretty rude to bug someone's references when there's nothing c...
by InvestorNewb
Fri May 26, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT ETF ER increased?!?
Replies: 13
Views: 2087

Re: Vanguard REIT ETF ER increased?!?

I own VNQ and I wasn't aware of the change until I saw this thread. It's still dirt cheap at 0.10 or 0.12.
by InvestorNewb
Fri May 26, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1298

Re: Interview follow-up

I didn't ask for a time frame after the interview. As for holidays, we had one on Monday May 22nd (I'm in Canada).
by InvestorNewb
Fri May 26, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Interview follow-up
Replies: 12
Views: 1298

Interview follow-up

Hello, I had an interview a few weeks ago and feel that I did extremely well. I came very well prepared and answered all of the questions in detail. I was given the general topics beforehand so I was able to practice over and over again. My 3 references were also contacted last week so everything lo...
by InvestorNewb
Mon May 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 10226

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: 66
Views: 8667

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: 3745

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: 3987

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: m You can see that in all their voyages, one week would not be enough to get any refund. However, a phone call with a manager describing your ...
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: 6955

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: 2998

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: 6764

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: 5265

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: 216
Views: 21229

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...