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Re: Leon Cooperman giving the same advice as Warren

Maybe or maybe not. For the most part I believe Warren Buffet stated his opinion but I know he is not going to give out all his secrets to the press but it could be a possibility. You gain a lot by having the right information.
by Nahum
Wed Oct 22, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3329

Re: Leon Cooperman giving the same advice as Warren

Warren Buffet and Leon Cooperman are worth billions. They can afford to have 100% stock portfolios, but not the average investor. Maybe they try to tip off the masses so they can benefit.
by Nahum
Wed Oct 22, 2014 6:40 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3329

HomeServe heating and cooling

I was offered their PremierHeat plan through my gas company National Grid. Basically if my boiler needs to be fixed HomeServe will come to fix it at no charge. I have 2 choices PremierHeat Plan - parts and labor coverage, Annual Payment 127.87 or Monthly $10.65 PremierHeat Plus Plan - parts and labe...
by Nahum
Fri Sep 19, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: HomeServe heating and cooling
Replies: 1
Views: 302

Re: Vangaurd STAR

That is also assuming you still have a mortgage when you retire. For the beginner who wants to start investing with Vanguard and cannot meet the $3,000 minimum, STAR fund is your best choice. I had it until I exchanged it for Total International Index fund. I believe it is an all round good fund. So...
by Nahum
Wed Sep 10, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 2026

Re: B&H Photo - NY City Experience

This is a great store and I have purchased many items from them. This is my go to store for anything camera or mac related. It is predominantly Jewish owned so their operating hours will be slightly different and they observe their important holy days which might affect your shipping speed if you or...
by Nahum
Tue Aug 19, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2413

Re: Talk me in/out of buying a vacation house or condo...ple

It seems like your not at the right mindset to be thinking about purchasing a property. You just ended a 7 year relationship, take it easy work and save your money. Wait a while and see if you will want a vacation property. You might change your mind and say you want your own home.
by Nahum
Mon Aug 04, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talk me in/out of buying a vacation house or condo...please
Replies: 21
Views: 2858

Re: Suggestions for Real Estate Attorney in NY/NYC?

Try going on Avvo.com, you can read reviews on attorneys.
by Nahum
Mon Aug 04, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Real Estate Attorney in NY/NYC?
Replies: 7
Views: 700

Re: Anyone switch to non-branch banking?

I switched to Charles Schwab. I love their site and their checking account. I live in NYC so whenever I have a check to deposit it takes about 3 to 4 days to clear which includes the time it takes for my check to get to their Orlando office. Schwab's only branch is located in Reno, Nevada. If you ne...
by Nahum
Mon Jun 23, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4605

Re: Anyone here use Personal Capital?

I use Personal Capital and I find it is a very good site to use to see all your accounts at once. I like the easy to read graphs. The informational may not be as complete as I want but if you just want to see the progress of your portfolio and how you use your money then this is the site for you. I ...
by Nahum
Mon Jun 23, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 6150

Re: Investing Money for House Purchase

If you are saving for a down payment it is a good idea to put the money in a savings account or CD's. about 5 months ago PenFed offered 5 year cd's paying 3%. Watch for these opportunities, 5 year horizon is much too short to invest your money in a volatile stock market. If you were willing to wait ...
by Nahum
Wed May 21, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Money for House Purchase
Replies: 21
Views: 1918

Re: Restaurants in New York City?

I will go based on what your requirements $50/person and food trucks included. Since you will be walking and taking the trains these are a few spots I recommend. Midtown between 59 St. and 46St along 6th Ave. The Halal Guys 53rd and 6th Ave. Best Halal food, you can get a platter for $6. Many people...
by Nahum
Tue May 20, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 2948

Re: Changes in my 401k options

Just what I was thinking too.
by Nahum
Tue May 13, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changes in my 401k options
Replies: 4
Views: 165

Re: Books for someone who is not that interested

I recommend Ramit's I Will Teach You How To Be Rich. He makes personal finance a little more "hip" But you are probably the best teacher. If she isn't interested in her finances she will less be interested in any personal finance book you give her. Try to catch her interest, before she lea...
by Nahum
Tue May 13, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Books for someone who is not that interested
Replies: 48
Views: 3826

Changes in my 401k options

I just received a letter stating that there will be new funds added to my 401k. The changes will begin on 6/11 and it is managed by Fidelity. There are some active funds but the most notable additions are: Spartan Extended Market Index Fund - Advantage Class FSEVX (.07%) Vanguard FTSE All-World ex-U...
by Nahum
Tue May 13, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changes in my 401k options
Replies: 4
Views: 165

Re: Lazy portfolios: no returns or risk information

Frans you seem knowledgeable in investing. The good thing is your reading and asking questions, I was kind of skeptical myself. From my experience asset allocation, risk tolerance and costs are what matters at least that is what the bogleheads philosophy is all about. You need to be diversified, kno...
by Nahum
Wed Apr 02, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8800

Re: I need help in starting a business in NYC

I did it for 6 years before I landed a day job. I worked only nights since I would go to college in the daytime. I know I can run a cleaning business and I would focus only on offices. Yes NYC business legislations is a byzantine mess but I believe I can do it. I don't expect to get rich from it but...
by Nahum
Fri Mar 28, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 496

Re: I need help in starting a business in NYC

Thank you SeattleCPA for your generous assistance. I downloaded the documents and I believe they will be handy in the future. The start up costs are a bit high since I am just starting. According to the information an LLC is worth it if I am able to make as much as what I am making as a salaried wor...
by Nahum
Fri Mar 28, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 496

I need help in starting a business in NYC

Hello everyone, I want to start a side gig cleaning offices part time. I want to set up as sole proprietorship but I'm stuck in filling out the proper paperwork. I went to the small business links in nyc.gov but I was left confused. Can anyone tell me what forms must I fill? Thank you.
by Nahum
Fri Mar 28, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 496

Re: What video games are you currently playing?

I currently finished playing Batman Arkham Origins. I will play Tomb Raider next and then maybe The Last of Us as the last game I will get for the PS3.
by Nahum
Thu Mar 13, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 5014

Re: best way to buy MS Office for Mac

That is the thing, everything is tightly controlled. I'm not a fan of getting old software for security reasons. Copies are hard to come by. Even if you get a cd with the restrictions off you have to disable the update feature if you want to continue using it. I'll save myself the headaches and just...
by Nahum
Fri Feb 28, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy MS Office for Mac
Replies: 7
Views: 374

best way to buy MS Office for Mac

I want to buy it for my sister who is in college because she needs Word. Gut tells me get in craigslist but maybe there is a better way to get it for the updates and support. Any suggestions?
by Nahum
Fri Feb 28, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy MS Office for Mac
Replies: 7
Views: 374

Re: Need a new all in one printer

If it helps I bought an Epson Workforce 3530 for $119 which replaced a 4 year old Canon Pixma Printer. According to the specs you should be able to scan to pdf and it has 2 trays to hold paper. You have the option to purchase high yield ink. I wanted to save money on ink so this is my first Epson bu...
by Nahum
Tue Feb 11, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2893

Re: New PenFed CD rates!

Just got a couple of PenFed CD's. 3% is the best deal I have seen in years. I bought some yesterday because I was afraid it would end today. If I remember correctly the person I talked to told me PenFed will continue to offer 3% 5yr CD until the end of January.
by Nahum
Tue Dec 31, 2013 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 37046

Re: fixed income question

Thank you for your reply, I understand there is no right answer, 5 years is a long time and anything can happen in 5 years but I forgot that you can pretty much break the CD when you need the money. I want to stick to it till the end I figure $4600 should be safe I don't think these rates will stay ...
by Nahum
Tue Dec 17, 2013 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: fixed income question
Replies: 2
Views: 235

fixed income question

I have about $7000 in Allybank. I would like to take advantage of PenFed's 3% 5yr CD but I don't know how much to set aside. The money is my emergency fund. I think I don't mind locking away a little over half of the money since I am still putting money into this account. Any suggestions on the righ...
by Nahum
Tue Dec 17, 2013 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: fixed income question
Replies: 2
Views: 235

Re: Asset Allocation for a Friend (low income, windfall)

at least for her Roth start with 1 fund. I started with the STAR fund which has a $1000 min. It is a pretty good fund at least for a beginner. When her balance is big enough then you can rethink your asset allocation. 2 years ago I was a beginner. I had a 401k with 2 funds, then I opened a Roth IRA ...
by Nahum
Fri Sep 27, 2013 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a Friend (low income, windfall)
Replies: 20
Views: 1329

Re: Question on the use of Ibonds

that is true. Thank you for the tip.
by Nahum
Wed Aug 21, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on the use of Ibonds
Replies: 4
Views: 634

Question on the use of Ibonds

My question: Is it wise to buy ibonds in $1,000 increments and make a ladder out of it? I have about $6,000 in emergency funds. Saving rates are low, I figured I should at least preserve it from inflation. If I were to purchase ibonds I would start once I hit $10,000. CD ladders I have heard of but ...
by Nahum
Wed Aug 21, 2013 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on the use of Ibonds
Replies: 4
Views: 634

Road trip ideas

My brother and I want to go on a road trip for a week, but we need help in finding good destinations. We are are open to any area in New England, Upstate New York and as far south as Virginia Beach. We want to explore nature. Thank you for your input.
by Nahum
Wed Jul 10, 2013 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Road trip ideas
Replies: 30
Views: 2382

Re: Cheap Razors

I shave like my grandpa. Some say it is time consuming but I enjoy it. It is the cheapest way for me to shave. I used to use Mach 3 blades but I stopped because it was way to expensive. Last summer I purchased a pack of 100 Derby DE blades for $10, it has been a year now and I still have blades to l...
by Nahum
Mon Jun 24, 2013 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6884

Re: New York City Local Chapter established

I would like to thank quanuec for setting up this meetup. It was informative and it was a pleasure meeting other bogleheads.
by Nahum
Fri Jun 14, 2013 3:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 100
Views: 10146

Re: Stay at home dads?

Maybe if he can find a side job or create a business he would enjoy similar to construction. He has been doing it since he was 19. There are many people who would love a carpenter they can trust, I know I would. I would imagine the salary he would make doing a side business in the weekends would be ...
by Nahum
Wed Jun 12, 2013 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay at home dads?
Replies: 65
Views: 3849

Re: New York City Local Chapter established

I'm from Brooklyn, I work most of the time on 54 St in the West side. I would definetly be interested. If I may suggest, we can pick a concourse level where we may gather. I think the Citicorp building @ 53rd St has a concourse level or maybe at Sony. Weeknights work for me.
by Nahum
Tue May 28, 2013 12:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 100
Views: 10146

Re: I [messed] up - Now what? ($200k in student loan debt, e

For the OP to move to another country would be the most extreme decision. I can only speak of El Salvador. Airfare is about $600 roundtrip. You would need a work permit, since you know english you can get a job at a call center, I think Dell operates one in San Salvador. Get yourself an A+ Certifica...
by Nahum
Thu May 16, 2013 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 9873

Re: Should I still stick with Vanguards STAR fund?

The STAR fund was my first fund when I first opened my account with Vanguard. It is a very fine fund.
by Nahum
Tue Apr 16, 2013 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I still stick with Vanguards STAR fund?
Replies: 15
Views: 2388

Re: 8 days in NYC -- need hotel advice.

Stay in Brooklyn. Check out these neighborhoods, Fort Greene, Clinton Hill, even Bed-Stuy along the A, C lines. any stop between High St and Nostrand Ave. Within this zone you can get to Manhattan between 5 to 15 minutes max.
by Nahum
Thu Apr 11, 2013 7:38 pm
 
Forum: Personal Consumer Issues
Topic: 8 days in NYC -- need hotel advice.
Replies: 27
Views: 2129

Re: Charles Ellis says stay out of bonds

I'm not budging. I'm mostly in stocks. When I hear professionals speak I listen but according to my situation. Everyone's situation is different. I'm staying the course, I believe these financial professionals have enough money to shuffle their funds and not get hurt too much. I for one don't have t...
by Nahum
Thu Apr 11, 2013 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis says stay out of bonds
Replies: 122
Views: 10987

Re: Portfolio advice for a friend

Thank you all for your help. When it comes to investing, savings etc. my friend's attention does not hold for long, he knows it is important but he can easily ignore it and go to something else. He is an aspiring musician. His passion and attention comes out when it is about music but investing not ...
by Nahum
Tue Apr 02, 2013 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for a friend
Replies: 4
Views: 338

Portfolio advice for a friend

I have a coworker who contributes to his 401k. We both work in the same company, his portfolio is set up where he has a small portion allocated in a Fidelity money market fund and the rest in a Freedom fund. He wasn't aware of which one is it. He wants to invest but he wants to set it and forget it....
by Nahum
Tue Apr 02, 2013 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for a friend
Replies: 4
Views: 338

Re: Dave Ramsey Defends His Investment Advice

I wish the SNP 500 did 12% or better every year. That the returns would never ever fall below 12% every year and that it would be as predictable as seeing the stars in the sky so we wouldn't have any worry. Alas that is only a pipedream. :)
by Nahum
Thu Mar 14, 2013 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 12018

Re: Dave Ramsey Defends His Investment Advice

Just like other active managers maybe Dave believes in his investment philosophy so much because it has worked for him all these years. If someone were to start investing his way now well it might not be a good idea (1980's compared to the 2000's 2 different worlds in my opinion) Maybe I'll send him...
by Nahum
Wed Mar 13, 2013 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 12018

Re: What's your favorite frugal thing(s) to do?

Reading and sleeping.
by Nahum
Thu Feb 28, 2013 10:09 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 97277

Re: Dave Ramsey recommends 2 funds on the air

Dave is still the man in my book. Listening to him helped fix my finances. There are just some things that never changes otherwise Wall Street would be all about passive investing but everyone knows that would certainly never happen.
by Nahum
Wed Feb 13, 2013 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey recommends 2 funds on the air
Replies: 53
Views: 8794

Dave Ramsey recommends 2 funds on the air

I love Dave and I think I should send him the Bogleheads Guide to Investing book. Yesterday he was encouraging people to invest. On Twitter he posted 2 funds he says he puts his money in. The ticker symbols for these are AIVSX and AGTHX two growth funds. I compared these funds to the Fidelity Sparta...
by Nahum
Wed Feb 13, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey recommends 2 funds on the air
Replies: 53
Views: 8794

Re: What Book Are You Currently Reading? Part V

I am currently reading The Intelligent Investor by Benjamin Graham
by Nahum
Fri Jan 18, 2013 9:56 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212267

Re: 401k if not sure how long I'll be here?

It may not be a bad idea to invest. You already been there a year. Contribute up to the company match. when you go to another company or field you can always transfer the funds to another brokerage house when you leave I contribute to my company's 401k and been working at the same place for 6 years ...
by Nahum
Tue Jan 08, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k if not sure how long I'll be here?
Replies: 8
Views: 1194

Re: Help i Just signed up. [Where to start?]

Do not worry about when it is a good time to buy. If you are saving for retirement then the most important thing is to save no matter if the market is up or down. Do not time the market, pick stocks, pick expensive mutual funds. Do invest in index funds, save periodically, keep it simple, and rebala...
by Nahum
Thu Jan 03, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Help i Just signed up. [Where to start?]
Replies: 18
Views: 1450

Re: Stock Market success

I like this topic. I was always interested to know any success stories people had about their stock picks. Unfortunately there were only a few wins. I read one story of a member of this forum who was given over $1,000 worth of McDonalds stocks when he graduated from high school. It grew so much that...
by Nahum
Thu Dec 13, 2012 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market success
Replies: 60
Views: 5262

Re: Overtime question

No nothing like that. A friend of mine told me that I should get my overtime paid in a separate check because I would pay less taxes on it. I'm not very good with tax issues. I tried it once and it did seem I had less taken out compared to having it all lumped together in one check.
by Nahum
Thu Dec 06, 2012 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overtime question
Replies: 11
Views: 1242

Overtime question

Hello everyone, I work in a law firm as a file clerk in Manhattan and I'm doing over 30 hours of overtime every pay period which is every 15 days. My question is if there is any advantages of having my overtime pay put in a separate check? what are any tax advantages or disadvantages? or it does not...
by Nahum
Thu Dec 06, 2012 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overtime question
Replies: 11
Views: 1242
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