Search found 113 matches

by nura
Fri Apr 20, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 2343

Re: 2018 Honda Fit EX

I have driven Fit and Civic Hatchback back to back, CHB is far better vehicle for a little more.
by nura
Fri Apr 20, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 2343

Re: 2018 Honda Fit EX

We have 2016 Fit EX-L (same as 2018); current generation is quite different from past two. Pluses: + Fantastic packaging, small on the outside, as roomy as some mid-size crossovers in the inside in terms of front and rear leg room. + Three seats fold nearly flat, can carry a six feet ladder/christma...
by nura
Sun Apr 08, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 68
Views: 4042

Re: If you want an actively managed fund, which one would you use?

VMVFX Vanguard Global Minimum Volatility, stablity of 60-40 portfolio without any bonds.
by nura
Sat Mar 31, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone hold any defensive funds in their portfolio?
Replies: 41
Views: 3449

Re: Anyone hold any defensive funds in their portfolio?

VMVFX Vanguard Global Minimum Volatility fund. Since inception the fund had less volatility than Wellington while beating VT on returns. Same ER than VWELX as well. Is it the companies, the ex-US factor, or the currency hedging that makes the fund less volatile? I hold Wellington in my 457b. The wh...
by nura
Wed Mar 28, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 5684

Re: Should I be worried about the S&P Index fund ?

Amazon: just a mail order company Facebook: just dating agency Netflix: just another Blockbusters Google: just an online encyclopedia Agreed on above four Microsoft: quite different from the above and a genuine technology company. A tech utility to be precise. Your analysis on Apple is missing
by nura
Wed Mar 28, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone hold any defensive funds in their portfolio?
Replies: 41
Views: 3449

Re: Anyone hold any defensive funds in their portfolio?

VMVFX Vanguard Global Minimum Volatility fund. Since inception the fund had less volatility than Wellington while beating VT on returns. Same ER than VWELX as well. http://quotes.morningstar.com/chart/fund/chart?t=VMVFX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A9%2C%22version%22%3A%22US...
by nura
Sun Mar 25, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest extra 50K when invested in an already diversified portfolio
Replies: 29
Views: 2561

Re: How to invest extra 50K when invested in an already diversified portfolio

ThisJustIn wrote:
Sun Mar 25, 2018 5:11 pm
I have 50K extra to invest, and I have already diversified my other investments
Why would extra $50k change you investment mix unless it substantial % of your total assets?
by nura
Wed Mar 21, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my SEP IRA from VGSLX to VTSAX? [Vanguard Real Estate to Total Stock Mkt]
Replies: 7
Views: 338

Re: Should I move my SEP IRA from VGSLX to VTSAX? [Vanguard Real Estate to Total Stock Mkt]

I have a SEP with Vanguard and have had it in their Real Estate Index Fund Admiral Shares (VGSLX) for the last 7 years. Their 5-year return is 5.57% but the 3-year is 0.08%, 1-year is (-10.17%) and YTD is (-11.49%). If anything you should be doing the reverse as REITs are on sale now, unless you in...
by nura
Wed Mar 21, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2424

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

3) 0.9% 60 months - no discount I would go with the third option for two reasons: 1) Liquidity: even if you have can pay off the car in cash today, you don't have to sell it if you ran out of cashflow to pay for essentials like food and shelter in the next 5 years. 2) Plenty of investments that wil...
by nura
Sat Mar 17, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing 1st Car under 3K
Replies: 33
Views: 2261

Re: Advice on Purchasing 1st Car under 3K

Avoid Hondas and Toyotas as they are over-rated for reliability and command a huge premium in used car market.
You might get value for money on certain domestics, Nissans,Hyundais etc. Just be aware there are certain models to avoid.
by nura
Sat Mar 17, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11541

Re: 2018 Forester vs CRV vs RAV4

Given that he selected FWD versions for the other two vehicles on his list, I don't think ground clearance, offroad driving, or unplowed roads are decision criteria for the OP. Correct, if you are looking for a tall wagon or hatchback with low ground clearance, there are plenty of choices. But, sus...
by nura
Sat Mar 17, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16433

Re: Bought house six months ago - now feeling like we're treading water and can't save money

If you eliminate/reduce these 2 items, you will be saving more than 10% of your gross income excluding IRAs.
Mortgage Principal Pre-Payment: $2493
Charitable Donations: $400

If have no other debt and have 4-6 months emergency funds, you are doing just fine.
Enjoy quality time with the new baby.
by nura
Sat Mar 17, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11541

Re: 2018 Forester vs CRV vs RAV4

Bought the Forester 2.5i 4.5 years ago when the current model redesign came out; did not have single problem with it since, delivers 30+ mpg on highways consistently when driven below 65mph. Unlike RAV4 and CRV, it has full time AWD and 2 additonal inches of ground clearane, both of which make it a ...
by nura
Thu Feb 08, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Below Admiral Shares Minimum
Replies: 7
Views: 831

Re: Below Admiral Shares Minimum

I have two Funds well below $50k Admiral limits VWIAX, VMNFX; neither has been reclassified for past few months.
by nura
Sun Feb 04, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia/Maryland Car Dealers vs. Others
Replies: 13
Views: 1225

Re: Virginia/Maryland Car Dealers vs. Others

I have seen new and demo VWs and BMWs in VA listed about 10% less than in NJ/NY. Not sure the gap holds for actual transaction prices
by nura
Sun Feb 04, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this house?
Replies: 50
Views: 4555

Re: Can I afford this house?

I know we can afford the house because my husband and I currenntly make a little over $400k a year combined and can definitely afford it month to month, but I’m just a dooms day person wondering what if my husband (the bread winner) loses his job and then what! What % of the $400k income is variabl...
by nura
Sat Feb 03, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 166
Views: 18813

Re: Bitcoin in Freefall

This is amazing to watch in real time. I'm not sure which way I'm rooting for - I don't have anything riding on the outcome. Yes you have if you in the stocks or bonds. Ripples of mass scale wipeout of wealth among bit-coin holder will be felt among TSM and TBM holders, even proeprty prices as as w...
by nura
Sat Feb 03, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Buy vs Lease vs Trade
Replies: 4
Views: 398

Re: Buy vs Lease vs Trade

Why only $2k off for buy when $3k off for lease? It is not uncommon for manufacturers subsidize lease over purchase. Personally, if there is only $1k difference between trade and private sale, I'd trade to avoid the hassle (this coming from someone who has private sold several dozen vehicles). I co...
by nura
Sat Feb 03, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Buy vs Lease vs Trade
Replies: 4
Views: 398

Re: Buy vs Lease vs Trade

Please ignore the reasons I am changing vehicles, judge this problem in purely in mathematical terms. Only piece of information that is missing above is tax bracket which is about 40%. Cost to borrow $25000 at 0.9% for 36 months is $716.06 or $1000 pre-tax. Market return to break even: 1.32% CAGR fo...
by nura
Sat Feb 03, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Buy vs Lease vs Trade
Replies: 4
Views: 398

Buy vs Lease vs Trade

Cost of the new vehicle: $26,000 Purchase offer: $2000 off + 0.9% for 36 months Lease offer: $3000 off + TBD? Current vehicle Private sale: $16000 Trade-in: $14000 Tax saving: $1000 I can afford to pay cash for the car, but would finance at 0.9% for 3 years since I can get better after-tax returns i...
by nura
Sat Feb 03, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds During Stock Market Decline?
Replies: 20
Views: 2211

Re: Index Funds During Stock Market Decline?

Or, would it be better to take a break until the market rises? AND, would it make sense to take ALL of the money out of the index fund completely until the market rises again? There are people having the same sentiment on this forum who have liquated their portfolio back in 2014 and are anxiously w...
by nura
Mon Jan 29, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Impreza vs Corolla
Replies: 27
Views: 1755

Re: Impreza vs Corolla

Stonebr wrote:
Sun Jan 28, 2018 8:50 pm
I've owned both Subaru and Toyota.

Subarus are fun to drive for people who have never driven a German car. People who have never owned a Toyota consider Subarus to be reliable.
Subarus are reliable cars for those who own German cars. Subarus are fun to drive for people who drive Toyota.
by nura
Sat Jan 27, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k advice
Replies: 6
Views: 478

Re: solo 401k advice

We opened solo 401k account at Fidelity, very easy to get started, good choice of funds.
by nura
Sun Jan 21, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Anyone Pulled the Trigger on Global Wellington/Wellesley?
Replies: 16
Views: 3764

Re: Anyone Pulled the Trigger on Global Wellington/Wellesley?

Bought 10k of Global Wellington the day it was launched, watching how it performs against it's passive counterpart moderate life strategy fund. Domestic Wellington has outperformed balanced-index almost consistently.
by nura
Mon Jan 08, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Longtime AT&T customer looking for MVNO cell provider
Replies: 30
Views: 3434

Re: Longtime AT&T customer looking for MVNO cell provider

I have been using StraighTalk $499/year unlimited plan for many years now, no complaints with service.
Walmart sells dicounted iPhones from $99-$349 that is locked to StraightTalk.. great combo.
by nura
Mon Jan 01, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 6894

Re: Individual Stocks That Went Bust

Bogleheads - In replaying to other threads, I found myself thinking back to many companies and thus stocks that went bust! Companies that can't miss at the time and were the "future". Here is a list I thought of thus far. Please add any stocks you can think of as many will probably bring back some ...
by nura
Sun Dec 31, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2532

Re: use a personal hotspot on a plane?

There are no cell towers 35000 feet in the sky.
by nura
Thu Dec 14, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 6561

Re: Reached 50X annual spending. Now what?

15X annual spending in fixed income, rest in equities; hence 30/70 AA
by nura
Mon Dec 11, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2464

Re: Cricket Wireless: What are the gotchas?

Does Cricket Wireless support wifi hotspot/tethering to share your mobile broadband data?
by nura
Tue Dec 05, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 10860

Re: 2018 Subaru Outback

Tiguan is 15% less fuel-efficient than CRV. not that powerful either.
by nura
Mon Nov 27, 2017 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 10037

Re: Regrets for taking SS at 62 or waiting?

TheTimeLord wrote:
Thu Nov 23, 2017 10:54 am
Probably won't get a lot of responses from people who waited then died early.That could skew the results you receive.
Don't let surviour bias in response skew your decision.
by nura
Mon Nov 27, 2017 5:21 am
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA @Vanguard, 80/20, which funds to choose?
Replies: 16
Views: 1534

Re: New Roth IRA @Vanguard, 80/20, which funds to choose?

Well I can not do it because the minimum for investing in each fund is $10,000 Thanks If your total investment in IRA is less than $10,000 currently, you can be 100% in VTSMX; you need worry about AA and risk management once you accumulate signficantly larger portfolio. Ok, so I start with VTSMX, t...
by nura
Sun Nov 26, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11984

Re: Didn't buy Bitcoin at $4600

I first bought bitcoin near $1200 in late November 2013. That was a relative peak and it proceeded to plummet into the $300 range with a few mild short-lived ups and downs. Ultimately I sold all bitcoin by late 2014 as I felt it was being manipulated by "whales" in China doing cyclical pump and dum...
by nura
Thu Nov 23, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA @Vanguard, 80/20, which funds to choose?
Replies: 16
Views: 1534

Re: New Roth IRA @Vanguard, 80/20, which funds to choose?

loklav wrote:
Wed Nov 22, 2017 3:48 pm

Well I can not do it because the minimum for investing in each fund is $10,000


Thanks
If your total investment in IRA is less than $10,000 currently, you can be 100% in VTSMX; you need worry about AA and risk management once you accumulate signficantly larger portfolio.
by nura
Wed Nov 22, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2931

Re: Honda CR-V vs Subaru Outback

Outback/Forester has 2 extra inches of ground clearence over CR-V/RAV-4 which makes real difference if you plan to drive on unploughed streets or offroad.
by nura
Sun Oct 22, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 3009

Re: how often to upgrade phone?

sixtyforty wrote:
Sun Oct 22, 2017 8:36 am
We've had our iPhone 5 for the past 5 years. Apple is not providing updates to that phone for iOS 11 and beyond.
You don't have this problem with Android, most phone can't upgraded beyond one generation of OS :oops:
by nura
Sat Oct 21, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 17
Views: 3111

Re: Where to park $100,000 safely for 2-3 years?

Muri wrote:
Sat Oct 21, 2017 4:55 am
DD is saving for a house. She has $100,000. What are your recommendations as to where she can get a better return than in her current bank savings account with low risk?
VASIX, 20-80 globally diversified income fund, never lost value over 2 years period, expect 2-5% return.
by nura
Sat Oct 14, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Need help investing $1M in today's market
Replies: 24
Views: 4339

Re: Need help investing $1M in today's market

Monkeyman wrote:
Thu Oct 12, 2017 12:11 pm
I'm open to a 75/25 or 80/20 allocation, but wondering if dollar cost averaging is advised, and if so, over what period of time.
I you are reluctant to invest lump-sum, your target AA is too risky. Reduce AA that you are comfortable with.
by nura
Thu Sep 21, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment
Replies: 24
Views: 1717

Re: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment

Fidelity Blue Chip Growth So is FBGRX an anomaly among active funds or a good long term investment? Symbol: FBGRX One-year return: 26.9% (vs. 17.9% for S&P 500) Three-year return: 10.5% (vs. 9.2%) Five-year return: 16.6% (vs. 14.5%) 10-year return: 9.9% (vs. 7.1%) Expense ratio: 0.82% For past 20 y...
by nura
Sun Sep 17, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 29662

Re: Iphone X is $1000

I expect my Model 3 in Mar18 will cost me about $30k after rebate. A Corolla is $15k before rebates, if you invest the difference in a 60-40 market portfolio, the returns would cover the fuel costs for next decade for a car that will run long after end of life of Model 3 batteries, not to mention C...
by nura
Sat Sep 16, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 29662

Re: Iphone X is $1000

Buying a Smart Phone for $1000 is more prudent and frugal than a Electric Car for $100,000
by nura
Sun Sep 03, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 4349

Re: How to buy raw (unimproved) land?

I unfortunately don't have cash to buy it outright otherwise I would do that for sure. There is probably only enough for 20% down at this point. - This would not be an "investment" or a rental income property - just recreational land for myself, my family and friends to enjoy. Borrowing money for r...
by nura
Fri Sep 01, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: GLOBAL 1M$ Conservative Growth Portfolio?
Replies: 25
Views: 2251

Re: VHGEX & VFITX

aramv wrote:
Fri Sep 01, 2017 10:54 am

VHGEX 0.51%
VFIUX 0.10%

vs.

VTSAX 0.04
VTIAX 0.11%
VBTLX 0.05%

Cheaper, but I like how it performed in 2008... thoughts?
A single fund, Wellesley out performed them both in 2007-2009 with lower E/R
In fact Wellesley has better risk adjusted returns from past 15 years compared to VHGEX+VFIUX
by nura
Sun Aug 27, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 5012

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

I apologize that I made a similar thread about Mid-Cap Value a few hours ago, but I just backtested Small-Cap and was wondering if people had opinions on going 100% SCV instead of TSM. A while back, I back-tested 50% each SCV & LCG re-balanced quarterly offered superior risk-adjsuted returns over T...
by nura
Sun Aug 13, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 84
Views: 13132

Re: Dave Ramsey spends two segments on his investing advice

Let's take an objective look at some of Dave's "investing advice." 1. He says that paying a 5.75% front end load for a mutual fund is money well spent. 2. He says that ERs don't really matter. 3. He says that active management of stocks will easily beat passive management. 4. He says that growth fu...
by nura
Wed Aug 09, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 6213

Re: Where To Put My Emergency Fund?

3 months cash, rest VTINX
by nura
Sat Jul 29, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 6883

Re: BMW Z3 or Z4 or nothing at all?

Snow performance is 90% tires. Throw a set of snow tires and the Z3 will be fine. In real world, ground clearance contributes snow mobility many people give credit for. Installing snow tires on car with 5-inch ground clearance won't get you too far. Buy a Miata and a Subaru for the price of 1 Z4 if...
by nura
Wed Jul 19, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington VWELX or 3 fund portfolio
Replies: 20
Views: 4370

Re: Wellington VWELX or 3 fund portfolio

jimbeam22 wrote: Opinions on if we should hold it, switch to a 2-3 fund portfolio, or switch to the balanced index fund instead.
When in doubt, do 50-50 or 1/3 split, and watch which side wins.
by nura
Sun Jul 16, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 9347

Re: Road noise in 2017 Honda CRV?

People buy Hondas for quiet rides as much as buying BMWs for being cheap to maintain.
by nura
Sun Jul 16, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 5567

Re: Buying beach bungalow in San Diego for Winters

I'm curious - is there a place in the US in the same range of desirability as a beach bungalow in San Diego where the purchase cost can be covered by renting it out for 8 months, reserving the winter months for oneself? Have you looked at the gulf coast in Pensacoloa, Biloxi or Mobile? You might fi...