Search found 1643 matches

by InvestorNewb
Fri Jan 26, 2024 3:19 pm
Forum: US Chapters
Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Replies: 429
Views: 43338

Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂

Happy birthday, Taylor! Thanks for all you have done for us and for your infinite wisdom.
by InvestorNewb
Fri Aug 25, 2023 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1081967

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 business that was already generating a small income of about $1k per month. Age 26 - $100,000 My efforts proved to be valuable and the business saw an uphill trend in profit. I moved out of my parent's home late at age 26 with this amount saved. My mom was going to start charging my brother and I for rent (and rightfully so). We decided it was time to move out and we each got our own apartment. Age 30 - $500,000 Between the ages of 26-30 my business ...
by InvestorNewb
Wed Jan 25, 2023 9:55 am
Forum: US Chapters
Topic: 🎊Happy 99th Birthday to Taylor Larimore🎉
Replies: 247
Views: 15941

Re: 🎊Happy 99th Birthday to Taylor Larimore🎉

Happy Birthday, Taylor! Thanks for being such a great inspiration.
by InvestorNewb
Sat May 07, 2022 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Share your Net Worth Regression
Replies: 350
Views: 60139

Re: Share your Net Worth Regression

- 235,000 :(

Proof that stocks don't keep up with inflation, at least not in the short term
by InvestorNewb
Wed Jan 26, 2022 9:59 pm
Forum: US Chapters
Topic: Happy 98th Birthday to Taylor Larimore 🎂🍰🎉🎊❤️🎁⭐️
Replies: 264
Views: 19643

Re: Happy 98th Birthday to Taylor Larimore 🎂🍰🎉🎊❤️🎁⭐️

Happy Birthday, Taylor! Thank you for helping me when I first found this forum almost ten years ago. I would not know where I would be today without your help.
by InvestorNewb
Thu Dec 23, 2021 7:41 am
Forum: Personal Investments
Topic: Am I reading this right? [dividend estimates]
Replies: 4
Views: 1038

Am I reading this right? [dividend estimates]

The VTI [US] dividend estimate for this quarter was 0.95 but the actual is 0.85920.

The VNQ [REIT] dividend estimate for this quarter was 1.62 but the actual is 1.05310.

Usually the estimates are below the actual values. In the case of VNQ, the estimate was way off. Am I missing something here?
by InvestorNewb
Sun Aug 22, 2021 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1081967

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 business that was already generating a small income of about $1k per month. Age 26 - $100,000 My efforts proved to be valuable and the business saw an uphill trend in profit. I moved out of my parent's home late at age 26 with this amount saved. My mom was going to start charging my brother and I for rent (and rightfully so). We decided it was time to move out and we each got our own apartment. Age 30 - $500,000 Between the ages of 26-30 my business ...
by InvestorNewb
Sat Jul 10, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 290
Views: 50570

Re: Should you tip when picking up takeout food?

I once tipped one cent because the waiter was rude to me and decided I had one too many "free refills".

When I didn't have stable employment, I wouldn't tip at all for takeout. I felt like I was doing all of the work because I was driving there, walking up the counter etc. The meal was already expensive enough as is.

I always got dirty looks from the person who I was purchasing the food from. If prices were more reasonable, I would have tipped more but I wasn't going to pay more than $20 for a club sandwich.

I am a generous tipper now but not everyone has stable employment and knows when their next contract will be.
by InvestorNewb
Sun Mar 28, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Ethical question about PayPal transaction
Replies: 16
Views: 1674

Ethical question about PayPal transaction

Hello, In February, I reached out to someone online and offered to buy an item that they they own. It's a collector's item valued at around $300 USD. The seller agreed to sell the item to me. I asked if PayPal was okay for payment and the seller agreed and sent me his PayPal email address. I sent the funds and also included extra so that he wouldn't get charged any fees. I received the item in the mail last month as advertised. Last week, I received an email from PayPal stating that that the funds have been returned to me. The reason is below: This payment was returned for the following reason(s): [redacted] did not sign up for a PayPal account or did not complete the registration process. I have not heard anything from the seller since the...
by InvestorNewb
Sat Feb 13, 2021 7:40 am
Forum: Investing - Theory, News & General
Topic: Goodbye to Stock Trading
Replies: 30
Views: 4894

Re: Goodbye to Stock Trading

Congrats on switching over! You mentioned being an investor since 1980 but how long did you pick stocks based on a system of your own devisement? I probably would have given up after a few years of underperforming the s&p.
by InvestorNewb
Mon Jan 04, 2021 7:56 pm
Forum: Investing - Theory, News & General
Topic: International stocks will outperform US stocks in 2021
Replies: 174
Views: 25071

International stocks will outperform US stocks in 2021

Today is the first trading day of the year.

I have a prediction that the international stock market will outperform the US stock market in 2021.

This thread will be revisited on 12/31/2021 to show the genius that I am.

Keep in mind that I've been correct before and I will be correct again.
by InvestorNewb
Fri Jan 01, 2021 11:29 am
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 234
Views: 28965

Re: Market will be at all time high by year-end

I have a prediction that the market will be at an all time high by 12/31/2020. This thread will be revisited on that date to show the genius that I am. I'm a genius. I missed responding to this post by one minute. My next prediction will be made after I meditate. But did you act on your prediction and go 100% stocks back in March 2020? Because if you didn’t, knowing that the market would be at an all time high by year-end , then you would be a fool, no? (Sorry if you said whether you did in this thread, I didn’t read all 200+ posts!) Yules Yes I have been virtually 100% stocks since 2013 and continue to be today. I keep a small amount of cash (no more than 2%) to fund living expenses and to save for annual tax free/deferred account contrib...
by InvestorNewb
Thu Dec 31, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 234
Views: 28965

Re: Market will be at all time high by year-end

InvestorNewb wrote: Thu Mar 26, 2020 8:45 pm I have a prediction that the market will be at an all time high by 12/31/2020.

This thread will be revisited on that date to show the genius that I am.
I'm a genius. I missed responding to this post by one minute. My next prediction will be made after I meditate.
by InvestorNewb
Fri Dec 04, 2020 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 10742

Re: Commuting after COVID

I would like to keep working from home indefinitely. I think office centricity is over.
by InvestorNewb
Wed Nov 04, 2020 7:57 pm
Forum: Personal Investments
Topic: Interactive Brokers Stock Yield Investment Program
Replies: 16
Views: 2265

Re: Interactive Brokers Stock Yield Investment Program

AlohaJoe wrote: Wed Nov 04, 2020 6:36 pm
InvestorNewb wrote: Wed Nov 04, 2020 9:14 am I am long on the ETFs in my signature. What kind of demand do you think there would be to loan out these ETFs in question? VTI and VXUS have the largest trading volume among my ETFs.
You can look up borrow rates on sites like https://iborrowdesk.com/report/VNQ. But none of the thing you own are going to make any money. Holding "largest trading volume" ETFs is bad when it comes to lending. It means there are millions of other people also willing to lend them out -- not to mention iShares, State Street, and other providers who offer identical ETFs -- which drives down the price and the chance that your shares get borrowed.
Good to know - thanks!
by InvestorNewb
Wed Nov 04, 2020 9:14 am
Forum: Personal Investments
Topic: Interactive Brokers Stock Yield Investment Program
Replies: 16
Views: 2265

Re: Interactive Brokers Stock Yield Investment Program

I am long on the ETFs in my signature. What kind of demand do you think there would be to loan out these ETFs in question? VTI and VXUS have the largest trading volume among my ETFs.
by InvestorNewb
Tue Nov 03, 2020 8:49 pm
Forum: Personal Investments
Topic: Interactive Brokers Stock Yield Investment Program
Replies: 16
Views: 2265

Interactive Brokers Stock Yield Investment Program

Is anyone using Interactive Brokers' Stock Yield Investment Program to earn extra income? https://www.interactivebrokers.com/en/index.php?f=46942 Example: XYZ is currently trading at USD 75.00/share. You are long 5,000 shares of XYZ, with a market value of USD 375,000.00. XYZ is in demand and commands a loan interest rate of 9%. You sign up for IBKR's Stock Yield Enhancement Program and IBKR loans out your 5,000 shares of XYZ at 9%. IBKR will pay interest on your cash collateral of USD 375,000.00 x 4.5% = USD 16,875.00. You could earn USD 16,875.00/year on stock you already own. How risky do you think this is? I read the "Considerations and Risks" section but didn't really get a full understanding of the risk involved. Thanks
by InvestorNewb
Fri Oct 16, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Vaccine impact on market [prediction]
Replies: 20
Views: 1917

Re: Vaccine impact on market [prediction]

Kookaburra wrote: Fri Oct 16, 2020 9:59 pm Gains over what time period? If you’re referring to the day one is announced, I’m think it’ll be small, maybe 1-2%. The market is expecting one and much is priced in.
Yeah the day of the announcement.
by InvestorNewb
Fri Oct 16, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: Vaccine impact on market [prediction]
Replies: 20
Views: 1917

Vaccine impact on market [prediction]

We will eventually reach a point where a vaccine is announced for covid-19 and it will be publicly available.

What are people's predictions for how the market will react to such a reality? What kind of gains might we expect? It will be interesting to look back at this thread and see who was right in terms of their prediction.

I'm guessing the market will jump between 7 to 10%.
by InvestorNewb
Wed Sep 23, 2020 10:13 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 218
Views: 27800

Re: Long Suffering VXUS Holder No More

I regret VXUS too. All new money (except dividends) will be directed to other investments. This is the second thread this week. People need protection from themselves from selling low and buying high or just giving up on it. Giving into emotions and bad investing behavior is a mistake. What a joke. :oops: I haven't sold any of my existing shares but the returns have been terrible. I can't wait a few lifetimes for the fund to generate a decent return. What if in a year it starts to out perform? You'll start buying high? I'll just keep reinvesting the dividends back into VXUS. It makes up about 23% of my portfolio but I'm not comfortable putting new money into it given the poor return and risk rating. My guess is that when VXUS does well, VT...
by InvestorNewb
Wed Sep 23, 2020 9:56 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 218
Views: 27800

Re: Long Suffering VXUS Holder No More

lostdog wrote: Wed Sep 23, 2020 9:53 pm
InvestorNewb wrote: Wed Sep 23, 2020 9:48 pm I regret VXUS too. All new money (except dividends) will be directed to other investments.
This is the second thread this week.

People need protection from themselves from selling low and buying high or just giving up on it.

Giving into emotions and bad investing behavior is a mistake. What a joke.

:oops:
I haven't sold any of my existing shares but the returns have been terrible. I can't wait a few lifetimes for the fund to generate a decent return.
by InvestorNewb
Wed Sep 23, 2020 9:48 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 218
Views: 27800

Re: Long Suffering VXUS Holder No More

I regret VXUS too. All new money (except dividends) will be directed to other investments.
by InvestorNewb
Sun Sep 20, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: Quiet treadmill for apartment
Replies: 6
Views: 1093

Quiet treadmill for apartment

Hello,

Does anyone recommend a quiet treadmill for an apartment or condo? Does such a treadmill exist?

I have people that live beside and below me, so I'm looking for something that won't disturb other tenants in the building. I would also prefer one that folds due to limited space.

Now that it's getting colder, I feel less inclined to run outside and want to stay in shape throughout fall/winter.

Thanks
by InvestorNewb
Wed Sep 16, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 26543

Re: Preparing for retirement in mid 30s

I have about the same as you but I am one person. It doesn't seem like enough for four people in my opinion.

You say that you enjoy the simple things in life but what if your children have different ideas when they get older? Family trips are nice and surely you will want to splurge on your kids at some point, pay for their hobbies, schooling, etc. Maybe your parents will also need financial assistance as they get older.

45k/year is basically poverty for four people.
by InvestorNewb
Tue Sep 15, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 17016

Re: Is this guy trying to scam me on a car I'm selling?

The message starts with "Sir"... that alone is a red flag.
by InvestorNewb
Tue Sep 08, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 258
Views: 20874

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

I recently watched a documentary about Worldcom and it reminded me why investing in individual stocks is dangerous.
by InvestorNewb
Wed Sep 02, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: Be not afraid
Replies: 9
Views: 1946

Re: Be not afraid

I still remember a lot of people at the time saying "this time is different" or "the rules no longer apply" etc. Look at where we are now.
by InvestorNewb
Wed Sep 02, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139371

Re: U.S. stocks continue to soar!

This is why the patient investors get rewarded. We don't sell at inopportune times. :sharebeer
by InvestorNewb
Tue Sep 01, 2020 9:52 pm
Forum: Personal Investments
Topic: 400k cash, fear of inflation
Replies: 46
Views: 5317

Re: 400k cash, fear of inflation

I would invest today. When I was 30, I had about the same amount as you. I turned 38 last week and have almost 3x as much, and the market did all the heavy lifting. Time in the market is more important than timing the market.
by InvestorNewb
Thu Aug 27, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1081967

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 business that was already generating a small income of about $1k per month. Age 26 - $100,000 My efforts proved to be valuable and the business saw an uphill trend in profit. I moved out of my parent's home late at age 26 with this amount saved. My mom was going to start charging my brother and I for rent (and rightfully so). We decided it was time to move out and we each got our own apartment. Age 30 - $500,000 Between the ages of 26-30 my business ...
by InvestorNewb
Mon Aug 24, 2020 6:34 am
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 234
Views: 28965

Re: Market will be at all time high by year-end

I can officially resurrect this thread based on the US stock market futures. My prediction was correct. :beer
by InvestorNewb
Sat Aug 08, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Think no one can beat the index?
Replies: 158
Views: 18940

Re: Think no one can beat the index?

I wouldn't waste your time or his.
by InvestorNewb
Wed Aug 05, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139371

Re: U.S. stocks continue to soar!

It's hard to believe that VTI is only $3.72 away from its all-time high.
by InvestorNewb
Fri Jun 05, 2020 8:36 am
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 234
Views: 28965

Re: Market will be at all time high by year-end

We aren't that far away. My genius will soon be revealed. :D
by InvestorNewb
Mon May 18, 2020 10:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139371

Re: U.S. stocks continue to soar!

lostdog wrote: Mon May 18, 2020 10:20 am I'm so glad I didn't react to the trolls back in February and March. That was hell reading those sell now troll posts.
+1. It would have been an expensive mistake for me.
by InvestorNewb
Thu Mar 26, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 234
Views: 28965

Market will be at all time high by year-end

I have a prediction that the market will be at an all time high by 12/31/2020.

This thread will be revisited on that date to show the genius that I am.
by InvestorNewb
Tue Mar 24, 2020 7:10 am
Forum: Personal Investments
Topic: 100 percent stock investors: any of you adding bonds now?
Replies: 51
Views: 5029

Re: 100 percent stock investors: any of you adding bonds now?

No because for me it would mean selling stocks at a loss and buying bonds. Now is the time to buy more stocks instead of bonds.
by InvestorNewb
Fri Mar 20, 2020 6:04 am
Forum: Investing - Theory, News & General
Topic: Low international (VXUS) dividend
Replies: 12
Views: 1096

Low international (VXUS) dividend

The March quarterly dividend for VXUS is a whopping $0.10580. This is the lowest I've ever seen it and I have been invested in the ETF since 2012.

Can someone remind me why I should keep this fund in my portfolio?
by InvestorNewb
Thu Mar 12, 2020 8:50 pm
Forum: Investing - Theory, News & General
Topic: How much could we theoretically lose?
Replies: 128
Views: 12349

How much could we theoretically lose?

I'm down about 300k from the highs and feeling pretty foolish for being greedy and not selling when things were good. I had plenty of opportunities to do so.

I recently read an article on CBC that said "about 80 per cent of people will not get really sick from this" so I'm trying to understand why the sell off is so drastic.

Suppose coronavirus infects 10x the number of people that it already has, which some health experts expect will happen, how much could we theoretically lose?
by InvestorNewb
Mon Mar 02, 2020 3:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139371

Re: U.S. stocks continue to soar!

Total stock market index (VTI) is up 4.14% today. REIT index (VNQ) is up 4.27%. That is the most I've ever seen those two indices go up in one day.

It goes to show the importance of not making investing decisions based on emotions. Cheers to everyone who remained calm and didn't sell. :beer
by InvestorNewb
Sat Feb 29, 2020 8:41 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 387
Views: 54900

Re: Where My 100% Equities Peeps At?!?

I'm still 100% equities with a 7-figure portfolio. I didn't get to this point by being risk-averse.
by InvestorNewb
Wed Feb 19, 2020 7:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139371

Re: U.S. stocks continue to soar!

TomCat96 wrote: Wed Feb 19, 2020 6:49 pm I'm all in. Been all in.
Or rather I am .0008% cash. It's a little extreme tbh.
I'm 0.71% cash with the rest in stocks :beer
by InvestorNewb
Sun Jan 26, 2020 2:56 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 8500

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday Taylor! :sharebeer
by InvestorNewb
Thu Jan 23, 2020 8:05 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 37557

Re: Sad news: LadyGeek's husband has passed

My condolences.
by InvestorNewb
Thu Jan 16, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139371

Re: U.S. stocks continue to soar!

I feel like the money is coming too easy. Being 100% stocks is paying off... for how long, nobody knows.
by InvestorNewb
Fri Dec 20, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1081967

Re: Share your net worth progression

Just turned 31 a few weeks ago. Here it is.. 18K - 17 Jul 2015 50K - 4 Oct 2016 - 15 Months 100K - 11 Mar 2017 - 5 Months 150K - 2 May 2017 - 2 Months 200K - 23 Jun 2017 - 1 Month 250K - 30 Aug 2017 - 2 Months 300K - 14 Feb 2018 - 6 Months 350K - 4 Jun 2018 - 4 Months 400K - 13 Jun 2018 - 2 Weeks 450K - 25 Feb 2019 - 8 Months 500K - 13 Mar 2019 - 1 Month 550K - 14 Mar 2019 - 1 Day 600K - 16 Apr 2019 - 1 Month 650K - 30 Apr 2019 - 2 Weeks 700K - 2 May 2019 - 2 Days 750K - 16 May 2019 - 14 Days 800K - 5 Jun 2019 - 3 Weeks 850K - 6 Jun 2019 - 1 Day 900K - 7 Jun 2019 - 1 Day 950K - 9 Jun 2019 - 2 Days 1M - 19 Jun 2019 - 10 Days 1M 50K - 20 Jun 2019 - 1 Day 1M 100K - 1 Aug 2019 - 40 Days 1M 150K - 10 Aug 2019 - 9 Days 1M 200K - 21 Aug 2019 - 11...