Search found 57 matches

by nura
Fri Jun 23, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 23
Views: 1101

Re: Lump sum investing in stocks vs. DCA

ruralavalon wrote:Google Vanguard "Dollar-cost averaging Just Means Taking Risk Later".


You would always want to take risks at the earliest than later unless you are going through a temproary rough patch.
Hence mathematically and behaviourally lumpsum wins over DCA
by nura
Wed Jun 21, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Is a Total Stock Market Index enough...
Replies: 22
Views: 2277

Re: Is a Total Stock Market Index enough...

Equally weighted portfolio of large growth, small value and mid-cap has consistently overperformed TSM over 10-15 year periods
by nura
Mon Jun 19, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: Moving to SF Bay Area, Considering REITs for investments
Replies: 14
Views: 1816

Re: Moving to SF Bay Area, Considering REITs for investments

Bay Area real-estate prices are largely driven by hi-tech industry. If you need a proxy investment, buy a high-tech fund or index like VITAX NDXT over a commercial REIT. If apple, Google etc tanks so will Bay Area housing prices
by nura
Mon Jun 19, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 3601

Re: Starting a Three-Fund Portfolio - which funds?

Target Retirement until you have the minimums saved up to split into the TFP. +1. Really, this is the only thing you can do with $2,000 since all other Vanguard funds have at least a $3,000 minimum. [well, the STAR fund has a $1,000 minimum as well but it's actively managed and has a higher You can...
by nura
Mon Jun 12, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 3601

Re: Starting a Three-Fund Portfolio - which funds?

Target Retirement until you have the minimums saved up to split into the TFP. +1. Really, this is the only thing you can do with $2,000 since all other Vanguard funds have at least a $3,000 minimum. [well, the STAR fund has a $1,000 minimum as well but it's actively managed and has a higher You can...
by nura
Sun Jun 11, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2550

Re: 2004 LEXUS RX 330

Just curious as to why the highlander was a bad decision. Bad decision is water under the bridge, you can probably make it worse. Have you considered the transaction costs of selling the HL and buying the RX? A 13 year old RX will have more expensive repairs than your 2-year old HL. You are probabl...
by nura
Tue May 16, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 4218

Re: Best argument you've heard against passive/for active?

what are the most convincing arguments people have heard against passive investing or in favor of active investing? Vanguard Wellington +1, actively managed Wellington has beat it's passive counterpart balanced index, inclusive of expenses since the latter's inception while holding less than 10% of...
by nura
Sun May 07, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 1822

Re: Mazda CX3 lease... is this a good deal

So at the end of 3 years you have paid over half the value of the car and own nothing. Does that sound like a good idea? Yes, leasing is better than buying with financing the full price and taxes for the car and selling it in 3 years with 45k miles on it. If your are paying cash, do not ignore the ...
by nura
Sun Apr 30, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 4614

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

jasper wrote:this seems like an overly conservative approach but wanted others input. say you are paying 3k/month mortgage, and property taxes and insurance are 5k/year.

Depending on where you live and type of property, mortgage could be less than 50% of home payments.
by nura
Fri Mar 31, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: advice on where to put money at age 55 to secure savings in the event of market crash
Replies: 35
Views: 3902

Re: advice on where to put money at age 55 to secure savings in the event of market crash

Tamalak wrote:imo 80% BND, 20% VT.

VTINX, VASIX
Vanguard Retirement Income or Life Strategy will give you the same AA in a single fund without the hassle of rebalancing
by nura
Sat Mar 18, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4897

Re: Looking for a snazzy car

keaton wrote:Sooo many great vehicles out there! My quick off the top of my head list...

VW R32
Audi S4
Audi S5 or even A5
BMW M3 or M5


First four might force you out of retirement to pay repair bills :)
by nura
Sat Mar 18, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4897

Re: Looking for a snazzy car

bubbadog wrote:Honda makes a Honda Jazz. It is a small hatchback. I don't believe it is sold in the US, but what could be "jazzier" than a Honda Jazz?

It is called Fit in US, nothing snazzy or jazzy about it, it is a utilitarian micro-miniVan
by nura
Wed Mar 08, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 1742

Re: Wellesley or Balanced index?

pingo wrote:Balanced Index Fund is nearly twice as risky as Wellesley due to it's higher stock allocation. Does that factor into your decision?


Better comparison to Balanced Index is Wellington (VWELX), it has out performed VBIAX with lower risk despite higher ER and lower number of underlying securities.
by nura
Wed Mar 08, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9187

Re: Is the Vangaurd Balanced Index Fund all you need?

ekso wrote:VBIAX has a .08 expense ratio, whereas VTSAX has .05. A 60% higher expense ratio seems like it would be significant, no?

Significant enough to buy a coffee and doughnut each year unless your corpus is in Millions.
by nura
Tue Mar 07, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5645

Re: Are Fiat Cars Junk?

I am in the market for an inexpensive used car (under 10k) and came across the following listings in the links below. They have very low mileage and are very inexpensive. Yet they seem too goo to be true. All the reviews I've read on Fiat have been negative. What do you think? http://www.monzacarus...
by nura
Mon Mar 06, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: "Purchasing" someone's auto lease, short term
Replies: 5
Views: 529

Re: "Purchasing" someone's auto lease, short term

TheGreyingDuke wrote:
What am I missing??

What about the hassle at dealership when turning in the lease end?
Something that might be a routine wear and tear item might be excessive as per dealership.
Dealers are lenient on these when your lease another new vehicle at the end of lease, otherwise not.
by nura
Mon Mar 06, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 Stock bond split
Replies: 8
Views: 1076

Re: 60/40 Stock bond split

Here are some Vanguard funds that are 60/40 or close to it: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0914#tab=2 https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0502#tab=2 https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&Fu...
by nura
Sun Mar 05, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5557

Re: Windfall: should we pay cash for ~$1.3M home?

gr7070 wrote:Financial independence >>>>>>>> any stupid city on this planet.

The best advice I've seen for a while :sharebeer
by nura
Sat Mar 04, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5557

Re: Windfall: should we pay cash for ~$1.3M home?

This doesn't have to be an all or nothing solution. Maybe a smallish (relative to the price) loan could be an option. I'm thinking perhaps in the $250k-$500k range. What are your incomes? Our gross income is currently around $130k $130k income and buying a $1.3M home? if I were you, I'd purachse a ...
by nura
Sun Feb 26, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 11515

Re: risk of my Tesla deposit

letsgobobby wrote:I can afford the $1000 but really wanted to know what the odds of Tesla declaring BK are in the next 18, 24, or 36 months.

Tesla one severity-1 software bug from declaring Bankruptcy
by nura
Fri Feb 17, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22663

Re: Tesla Model 3 or Chevy Bolt?

Neighbor is asking. 50 mile commute and will probably do some road trips. Two year time frame. I'm suggesting Model 3, because of access to Superchargers. Superchargers work, are relatively fast, are rarely iced, and in many locations unlike public chargers. That alone i think is a huge advantage, ...
by nura
Wed Feb 01, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: STAR Fund
Replies: 11
Views: 2308

Re: STAR Fund

Even though they are low cost and Vanguard Funds, I rather be a lower cost 100% index investor. Which is why I would go with the Vanguard Balanced Index Fund instead. Theory in one thing, results another; over past decade, balance index has consistently trailed actively managed Wellington which has...
by nura
Sun Jan 29, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 3698

Re: Nissan? (Cars.)

My Nissan '99 Sentra was far more reliable and cheaper to maintain than my Hondas '00 Accord and '08 Civic. The Accord has jerky transmission and needed radiator replacement by 60k mi, while Civic needed 2 set breaks to get to 75k mi.
by nura
Fri Jan 27, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 3601

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

Dutch wrote:I'd say the asking price is too high by about $2,000.

Asking price is off by a digit for that make and model of that vintage.
by nura
Tue Jan 24, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 86
Views: 6884

Re: Need a good commuter car fairly soon

I haven't priced them in a while, but the Honda Fitt has been a good car for us. 2008 Sport model with 250k trouble free miles. Still going strong. current Honda goes for under $20k loaded, can fit can seat four 6foot adults in comfort or haul tons of stuff with two adults, joy to park and outstand...
by nura
Tue Jan 17, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: 45 yr old Newbie starting late in the game. Please Help!
Replies: 18
Views: 2070

Re: 45 yr old Newbie starting late in the game. Please Help!

Well the first advice I'd give you is 1.) The Total Money Makeover by Dave Ramsey -- see if your library or church has a free copy or you can buy it for $15 (amazon) or his site. . Never take a word of investing advice from Dave Ramsey who recommends purchasing actively managed mutual funds paying ...
by nura
Fri Jan 13, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Max Roth IRA Contributions with S-Corp?
Replies: 12
Views: 1178

Re: Max Roth IRA Contributions with S-Corp?

Suppose I have an S-Corp that takes in 140k, and a reasonable median salary is 50k for the work I do. I take the rest of the 140k in dividends Without going into the specifics of the nature of business, a S-corp grossing $140k and paying only $50k salary is an audit risk for paying small percentage...
by nura
Wed Jan 11, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 20180

Re: New SUV, $50G, Pilot/Highlander/Other

For around $45k you could buy a 13-14 GL350 with third row seating for two adults while getting 20mpg, leave aside balance $5k for any repairs.
by nura
Sun Jan 08, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Work in NY live in NJ
Replies: 10
Views: 1140

Re: Work in NY live in NJ

You save in taxes if you work in NYC and live in NJ; there is certain commuter tax which is more beneficial than paying NYC resident tax.
You have file in both states and claim credit on you return.
by nura
Thu Jan 05, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Any Audi Wagon owners?
Replies: 29
Views: 2315

Re: Any Audi Wagon owners?

With the exception of now defunct A6 avant, Audio wagons have rear legroom are best suited for double amputees.They work best for 2+ cargo duty .
by nura
Sun Dec 18, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 8967

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

From best to worst: -AWD with 4 snow tires -FWD with 4 snow tiress -AWD with 4 all-season tires From personal expereince, FWD with 4 snow tries and low ground clearence won't get off the driveway in 1-foot snow or go uphill while AWD with 4 all-season tires did. Snow tires are more helpful in slowi...
by nura
Thu Dec 01, 2016 10:38 am
Forum: Investing - Theory, News & General
Topic: Impact on International Bonds from US rate increase
Replies: 0
Views: 212

Impact on International Bonds from US rate increase

What is the likely impact on currency hedged US denominated International bond index funds like Vanguard Total International Bond Index Fund Admiral Shares (VTABX) due to impending rate increases in US?
by nura
Tue Nov 01, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: All in on VWENX or diversify? [Vanguard Wellington]
Replies: 6
Views: 1310

Re: All in on VWENX or diversify? [Vanguard Wellington]

Balanced Index (VBIAX) is a good passive alternative for Wellington, similar AA and performance but more diversified and half ER.
by nura
Thu Oct 20, 2016 7:34 am
Forum: Personal Consumer Issues
Topic: Apple purchase with Apple Financing?
Replies: 20
Views: 2335

Re: Apple purchase with Apple Financing?

8foot7 wrote:A $2,400 laptop used for eight years is the same effective cost as a $1,000 laptop used for three years or a $1,500 laptop used for five.

but still more expensive than a $400 laptop which was my primary equipment for past 4 years grossing $400k in business revenue.
by nura
Sun Sep 11, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: What to do at age 64? [Sell land, or, keep to build home?]
Replies: 16
Views: 1910

Re: What to do at age 64? [Sell land, or, keep to build home?]

I have $88,500 plus 3 acres of land including improvements equaling 40,500. At age 64, does it make more financial sense to sell the land and invest the total $129,000 OR, build a tiny 500 sq. ft. house on the land using $48,000 and live there and invest the remaining $40,500? If I sell the land, I...
by nura
Sun Aug 28, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: What to do with $50k?
Replies: 19
Views: 1829

Re: What to do with $50k?

j0nnyg1984 wrote: I have $120k left on my mortgage balance at a 4.625% interest rate and I want to pay this off by EOY 2017.

There are virtually no investment opportunities that will give assured 4.625% after-tax return in that time horizon, payoff your principal.
by nura
Sun Aug 28, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 2335

Re: 2013 vs 2016 CR-V

Buying a used-car makes sense only if you are getting significant price savings over new. Buying a used high-demand vehicle to save 10-15% makes little sense. Buying a 3-year old off-lease luxury vehicle for 30-40% less is good value. Buy a car you really like and hold on to for few more years than ...
by nura
Wed Aug 17, 2016 7:16 am
Forum: Investing - Theory, News & General
Topic: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks
Replies: 45
Views: 5995

Re: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks

As long as you don't do it on the argument "the US index has always done better over (defined period or sub period)" then there are arguments for and against it. If you do it on the basis of that argument, then you are, in essence, performance chasing & assuming there is some market i...
by nura
Thu Aug 11, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 4365

Re: Vanguard Life Strategy Funds

My retirement portfolio is now balanced to 50% equities and 50% bonds. The funds charge .14% which I think is quite reasonable. You could also invest part of your portfolio 50% each in Wellington & Wellesley to get same balance AA with slightly higher ER and superior return. Past performance is...
by nura
Wed Aug 10, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Should an author form an S-corp
Replies: 12
Views: 1124

Re: Should an author form an S-corp

I would say "do an S-Corp and pay a somewhere between 1/2 and 2/3 of the net business profit." Is SEP-IRA, Healthcare premium considered for the reasonable compensation range? For example a S-Corp made $150k net profit, pays 60k salary, 15k (25%) SEP, and $5k premium. Is $80k used for com...
by nura
Tue Aug 09, 2016 6:23 am
Forum: Investing - Theory, News & General
Topic: College bubble - any good articles or books on this?
Replies: 57
Views: 5251

Re: College bubble - any good articles or books on this?

Engineer250 wrote:Where medical schools are concerned, it's important to keep in mind the AMA (American Medical Association) is artificially limiting how many medical schools there are, which limits how many graduating doctors there are. This keeps physician salaries high.

AMA is the UAW of physicians.
by nura
Wed Aug 03, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Advice on buying a used Prius
Replies: 58
Views: 11117

Re: Advice on buying a used Prius

It is not like any other car. It has very expensive batteries. Batteries have a shorter life than other major car components like an engine or trans. Not true on many counts. The DSG transmissions on VWs and Audis have far higher failure rate than batteries on Toyota Hybrids. Historically, Toyota H...
by nura
Sun Jul 31, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - Wellington or Vanguard Equity-Income?
Replies: 6
Views: 936

Re: HSA - Wellington or Vanguard Equity-Income?

Despite claims by dividend advocates that dividend stocks provide "downside protection," it was negligible in 2008-2009. 12/31/2007 to 3/6/2009, 500 Index fell 52% while Equity-Income fell "only" 51%. What about Dividend Growth (VDIGX), it was one of the best all-equity funds du...
by nura
Tue Jul 26, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 7581

Re: Winter Tires: Yay or Nay

Winter tires do not solve the problems due to lack of ground clearance on unploghed streets. During 2014 NJ winter, our Civic was stranded on the driveway for a few days, while Forester helped to get to work, shop and put food on the table, both cars had original all-seeing tires. AWD milage penalty...
by nura
Mon Jul 25, 2016 7:51 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 20997

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

why have any bonds AT ALL during the accumulation phase since one does not need AT THAT TIME the safety Bonds provide? If you are 100% in one asset class, you can never buy low and sell higher without market-timing, you could do this if you have a portfolio of inversely correlated assets.In fact as...
by nura
Thu Jul 21, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: 30% Wellesley combined with 3 Fund Portfolio advice
Replies: 6
Views: 1148

Re: 30% Wellesley combined with 3 Fund Portfolio advice

You could pair Wellesley with Balanced Index (vbiax) and VTINX to achieve desired AA, and reduce management risk and ER.
by nura
Mon Jul 18, 2016 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 10612

Re: Just got back from Europe...ready to sell my International...

Given the economy, the good chance the EU will soften up (or even unravel), the damage to tourism caused by ongoing events, migrants weighing on the social services tax base What is happening in Europe could happen in US also, depending on election outcome;November general elections are US-equivale...
by nura
Sun Jul 17, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3759

Re: Hatchback to match Camry on price/comfort/reliability?

We have narrowed it down to Subaru Crosstrek or Mazda 3. Will test drive both and weigh the pros/cons, but leaning towards the Mazda for the 'fun' factor as well as MPG. Crosstrek is under-powered, couple of thousands more, Forester offers much more in terms of ride, space and power with minor drop...

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