Search found 76 matches

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: 3717

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: 1092

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: 333
Views: 20085

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: 333
Views: 20085

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: 3678

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: 1906

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: 4373

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: 7346

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: 4526

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: 5389

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: 3562

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: 4245

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: 4986

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: 1270

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: 1739

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: 17
Views: 2033

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: 2033

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: 2677

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: 571

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: 3807

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: 2853

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: 2274

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: 4768

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: 4768

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: 3175

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: 4861

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: 2232

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: 5089

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: 4202

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: 5473

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: 5473

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: 2157

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: 10405

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: 6263

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? m m Please trying pur...
by nura
Mon Mar 06, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: "Purchasing" someone's auto lease, short term
Replies: 5
Views: 593

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
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: 6087

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: 6087

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: 12758

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: 330
Views: 33682

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: 2552

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: 3936

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: 3807

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: 7378

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: 2219

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: 1408

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: 21378

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: 1238

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: 2519

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: 9837

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...