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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 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6541

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 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 439

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 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 439

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 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 439

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 5:16 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4203

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 5:11 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy MS Office for Mac
Replies: 7
Views: 338

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 4:09 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy MS Office for Mac
Replies: 7
Views: 338

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 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2264

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 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33094

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 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: fixed income question
Replies: 2
Views: 223

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 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: fixed income question
Replies: 2
Views: 223

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 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a Friend (low income, windfall)
Replies: 20
Views: 1309

Re: Question on the use of Ibonds

that is true. Thank you for the tip.
by Nahum
Wed Aug 21, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on the use of Ibonds
Replies: 4
Views: 626

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 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on the use of Ibonds
Replies: 4
Views: 626

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 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Road trip ideas
Replies: 30
Views: 2277

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 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6386

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 4:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8256

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 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay at home dads?
Replies: 65
Views: 3646

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 1:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8256

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 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 9559

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 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I still stick with Vanguards STAR fund?
Replies: 15
Views: 2283

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 8:38 pm
 
Forum: Personal Consumer Issues
Topic: 8 days in NYC -- need hotel advice.
Replies: 27
Views: 2034

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 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis says stay out of bonds
Replies: 122
Views: 10701

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 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for a friend
Replies: 4
Views: 337

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 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for a friend
Replies: 4
Views: 337

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 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 11098

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 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 11098

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

Reading and sleeping.
by Nahum
Thu Feb 28, 2013 11:09 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 95413

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 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey recommends 2 funds on the air
Replies: 53
Views: 7571

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 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey recommends 2 funds on the air
Replies: 53
Views: 7571

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 10:56 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2620
Views: 595584

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 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k if not sure how long I'll be here?
Replies: 8
Views: 1131

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 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help i Just signed up. [Where to start?]
Replies: 18
Views: 1422

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 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market success
Replies: 60
Views: 5040

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 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overtime question
Replies: 11
Views: 1124

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 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overtime question
Replies: 11
Views: 1124

Re: Portfolio review

yeah, I forgot that detail. I owe $1,349 @ 0% until June on a credit card, but I figure I'll pay it off when I get my bonus in February. I'll never do it again, I promise :happy . I should write that on the board 100x like bart simpson "Never borrow money again".
by Nahum
Tue Nov 27, 2012 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 6
Views: 337

Re: Portfolio review

Sacrifice. pure sacrifice. What made it easy is selling some stuff I had, I still have items to sell. All monies go straight to the Roth.
by Nahum
Tue Nov 27, 2012 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 6
Views: 337

Portfolio review

Hello everyone, the end of the year is approaching and I need help with my portfolio whether I should change anything. Here's my stats. age:30 Single income: about $36k for this year location: Brooklyn, NY Currently I contribute 10% to my 401k and $1,950 so far in Roth IRA. My plan is to give the ma...
by Nahum
Tue Nov 27, 2012 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 6
Views: 337

Re: The Flight Path Approach to Age-Based Asset Allocation

Hi Mr. Ferri I saw your recent video on Morningstar, and I think your spot on. I see your flight pattern method as 1 of the many roads to secure retirement or preserve wealth. What stood for me is when you said that ones investment philosophy is most important because it is what determines what our ...
by Nahum
Tue Nov 20, 2012 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Flight Path Approach to Age-Based Asset Allocation
Replies: 74
Views: 6475

Re: Visiting New York October 2012

The line at the TKTS booth in Times Square is always long. I would reccommend taking the R train down to Brooklyn get off at Jay St-Metrotech. Walk half a block up Jay St and you will find a TKTS booth without the crowds across the street from the Marriott hotel. You are also walking distance to the...
by Nahum
Mon Sep 17, 2012 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Visiting New York October 2012
Replies: 34
Views: 1429

Re: Best online bank for quality service

I personally bank with Charles Schwab. Their high yield investor checking account is good and their customer service is the best. You can actually talk to a real person. Free checks, Free deposit envelopes, Transfers will take 2-4 days and deposits more or less takes 2 days for me. Depositing cash d...
by Nahum
Tue Jul 31, 2012 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online bank for quality service
Replies: 91
Views: 6812

Applying for a new job

Hello everyone I need help. I'm turning 30 soon, I'm actively pursuing other career goals but I was presented with some oppurtunities. I need help in what I should do I currently work for the records department in a mid tier law firm. Salary is around $29k but my supervisor is giving me hints that t...
by Nahum
Mon Jul 02, 2012 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Applying for a new job
Replies: 2
Views: 518

Re: Why not Wellington

I have been thinking the same thing too "why not Wellington?" Wellington and the Star Fund have been debated for such a long time while both funds have grown. From my perspective I am sold on the index approach. We all know the risk with active management vs a passive one. Some people may ...
by Nahum
Thu Jun 07, 2012 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not Wellington
Replies: 45
Views: 5476

Re: We inherited $200,000 and here is my synopsis of the mar

Welcome to the forums, the advice you get here is true and safe. Maybe the advice was a bit blunt by some posters but its with the best intentions. Investing can be addictive even self destructive if not held in check. Research the reading list and take a load off. The most important advice is that ...
by Nahum
Thu Jun 07, 2012 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: We inherited $200,000 and here is my synopsis of the market
Replies: 163
Views: 11020

Re: New to Investing; Index Fund Question

Welcome to the forum, Just follow the wiki, pkcrafter is right the target retirement fund are good place to start maybe the only fund you will ever need. Also pick up the book The Bogleheads Guide to Investing the only investment book you will ever need.
by Nahum
Thu May 24, 2012 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing; Index Fund Question
Replies: 4
Views: 540

Re: A bicycle to learn to bike?

A fellow co-worker commutes in bicycle from home to work. He learned how to bike later in life. I asked him how he learned, you should get a bike that is comfortable for you to ride on if its single speed even better. Practice on a grassy field in a park but one that has a slope that is not too stee...
by Nahum
Thu May 24, 2012 12:40 pm
 
Forum: Personal Consumer Issues
Topic: A bicycle to learn to bike?
Replies: 67
Views: 5136

Re: Must I move to another state so I can prosper?

Maybe Habitat for Humanity would be an option but I prefer finding a foreclosure or a good deal, I'm giving myself a 5 year window hopefully I can find a way to increase my income in the meantime. there are 4 boroughs to look at (Manhattan is out of the question) but Brooklyn is dear to me. With the...
by Nahum
Thu May 24, 2012 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Must I move to another state so I can prosper?
Replies: 38
Views: 4461

Re: Must I move to another state so I can prosper?

Your right NMK1, I wasn't thinking of buying now I see myself saving like crazy for at least 5 years before buying anything. I would hope that in 5 years my salary would rise with the job change. In 5 years anything can happen, paying 12% interest in a mortgage seems out of this world, from another ...
by Nahum
Wed May 23, 2012 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Must I move to another state so I can prosper?
Replies: 38
Views: 4461

Re: Must I move to another state so I can prosper?

Thanks for the replies everyone, my travels aren't extensive but I have been to Houston, San Antonio, Miami, Hollywood, Florida, Orlando, and Los Angeles. Nice places to visit but to live is another story, especially Houston. I hate driving, I don't like Long Island too much. I live with my parents,...
by Nahum
Wed May 23, 2012 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Must I move to another state so I can prosper?
Replies: 38
Views: 4461
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