Search found 100 matches

by nura
Thu Feb 08, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Below Admiral Shares Minimum
Replies: 7
Views: 752

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: 1165

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: 4318

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: 162
Views: 16628

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: 352

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: 352

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: 352

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: 1993

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: 1704

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: 464

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: 10
Views: 1993

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: 3397

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: 6622

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: 2196

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: 6309

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: 2330

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: 9834

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: 9845

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: 1472

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: 11663

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: 1472

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: 2771

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: 2914

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: 2955

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: 4206

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: 1480

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: 28519

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: 28519

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: 4173

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: 2162

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: 4890

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: 65
Views: 8364

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: 5718

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: 6382

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: 4188

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: 7922

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: 5434

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...
by nura
Thu Jul 13, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Deducting MBA tuition as an allowable business expense
Replies: 15
Views: 1528

Re: Deducting MBA tuition as an allowable business expense

Only those educational expenses incurred for acquiring skills specific to line of Business are deductible, a general degree like MBA is not one. Else, any student can start a S-corp and generate tax-free income.
by nura
Mon Jul 10, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Planning for a 25k to 30k windfall
Replies: 14
Views: 1868

Re: Planning for a 25k to 30k windfall

Slov wrote: -Buy a BMW E46 M3 ( $15,000- $20,000) I have lived at my station for a whole year without a vehicle, saving for my dream car.
Don't forget to establish an emergency fund for the E46 M3 towards repairs and maintenece, around $3000-$5000 would suffice.
by nura
Thu Jul 06, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: New compact hatchback or used small SUV?
Replies: 18
Views: 2529

Re: New compact hatchback or used small SUV?

Honda Fit is a micro-van that can transport four adults in comfort or carry 6-foot ladder or 3 foot potted plants upright, puts many SUVs to shame let alone hatchbacks all while returning more than 40mpg on highways.
by nura
Sat Jul 01, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Please suggest a $6K-$8K car
Replies: 22
Views: 2238

Re: Please suggest a $6K-$8K car

Another path is to go "used luxury". A 7-10 year old BMW or Mercedes with 70k to 80k miles will (maybe) be in that $8k price range. Please set aside $3-5k at all times to keep a 7-10 year old BMW or Mercedes-Benz running. I spent $1k on replacing all window regulators alone on my 3-series. I finall...
by nura
Sun Jun 25, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 20
Views: 3102

Re: Attention Win XP users

I have a printer, scanner, sound card, reciver, Adobe PDF writer and MS Flight Simulator all of which will run on Windows XP only. Since my older XP hardware was showing their age, I recently rebuild a new XP PC with Intel NUC kit. I plan to keep them running for ever. The computing experience and p...
by nura
Sun Jun 25, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Pre-owned X5 xDrive35d or ML 250 Bluetec
Replies: 4
Views: 677

Pre-owned X5 xDrive35d or ML 250 Bluetec

We are considering an off-lease mid-size diesel SUV; narrowed to X5 and ML with 30-40k miles, planning to keep for next 7-8 years or till 90kmi with annual average of ~6000 miles. X5 is about $3-4k more than ML with similar miles. I suspect ML wll be cheaper to maintain as it has a more reliable pow...
by nura
Fri Jun 23, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 55
Views: 4272

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: 36
Views: 6186

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: 2558

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: 5525

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: 5525

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: 3700

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: 5230

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...