Search found 155 matches

by nura
Fri Oct 02, 2020 5:33 am
Forum: Investing - Theory, News & General
Topic: [President tests positive for COVID-19 - market impacts]
Replies: 157
Views: 15896

Re: U.S. stocks in free fall

lostdog wrote: Fri Oct 02, 2020 3:56 am I see a lot of red. Enjoy the rollercoaster ride. Strap in.
Been stock piling ammunitions (cash and bonds) since August highs, locked and loaded for the ride
by nura
Thu Jul 30, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7531
Views: 516574

Re: Refinance Mega Thread

In NJ I was offered 2.125 for 15 years with $1500 loan cost.
by nura
Sat Jun 06, 2020 6:43 am
Forum: Investing - Theory, News & General
Topic: Appropriate allocation for mid-to-late forties
Replies: 17
Views: 1233

Re: Appropriate allocation for mid-to-late thirties

Any funds you need to maintain your current lifestyle for 18-36 months should not be equities,rest stay invested in equities.
by nura
Mon Jun 01, 2020 4:27 am
Forum: Investing - Theory, News & General
Topic: Index Investing and the U.S.-China Great Power Struggle
Replies: 54
Views: 3156

Re: Index Investing and the U.S.-China Great Power Struggle

You may wish to read "Factfulness" by Hans Rosling et al. China has more than 4 times the consumers of the USA who all have smart phones, computers, TVs, refrigerators, and the accoutrements of the middle class. I would worry of "Factfulness" from Chinese totalitarian government more, and that the ...
by nura
Wed May 13, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4585

Re: Should I purchase my end-of-lease Audi A4?

GoldenFinch wrote: Sun May 10, 2020 7:01 pm My Audi, bought after a three year lease, was a disaster. It ended up having continuous mechanical problems. Maybe it was just a lemon, but it was a bad experience.
It was just an Audi
by nura
Wed Mar 11, 2020 6:01 pm
Forum: Personal Investments
Topic: Can I rollover 415 refund to IRA
Replies: 1
Views: 108

Can I rollover 415 refund to IRA

Last year I over-contributed to my 401k at employer and they issued a 415 refund for $2k, can I rollover this to IRA/roth IRA?
by nura
Wed Mar 11, 2020 5:58 pm
Forum: Personal Investments
Topic: Sell DODGX and buy VDIGX?
Replies: 10
Views: 770

Re: Sell DODGX and buy VDIGX?

Or you could switch to VDIGX's indexed cousin VDADX which outperformed Dod Cox fund with lower volatility.
by nura
Sun Feb 09, 2020 6:58 am
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 103
Views: 8162

Re: What do you/did you spend your bonus on?

Dumped whole bonus in to Wellesley income fund, hopefully can move to riskier investments if opportunities arise due to election year volatility.
by nura
Sat Nov 30, 2019 4:24 pm
Forum: Personal Investments
Topic: Invest cash in conservative manner until next recession
Replies: 119
Views: 10834

Re: Invest cash in conservative manner until next recession

Set aside 18-24 months worth of liquidity requirements in cash or equivalent, everything else should be invested as per your AA at all times rather than timing for market cycles. More money has been lost trying to hedge the next recession rather staying invested as per investment plan.
by nura
Sun Oct 27, 2019 12:25 am
Forum: Investing - Theory, News & General
Topic: VMVFX (Global Minimum Volatility) as core equity holding. Your opinion?
Replies: 174
Views: 16842

Re: VMVFX (Global Minimum Volatility) as core equity holding. Your opinion?

Few years back,I replaced Wellington balanced fund with all equity Global Minimum Volatility. Since then, latter has been less volatility than the fund having 40% bonds while returning higher returns including 2018.
by nura
Mon Sep 30, 2019 6:57 am
Forum: Personal Investments
Topic: Bonds vs. paying off mortgage - comparing returns
Replies: 9
Views: 1524

Re: Bonds vs. paying off mortgage - comparing returns

ma21n2 wrote: Mon Sep 30, 2019 4:46 am I recently refinanced into a 5/1 ARM at 2.75%. I deduct mortgage interest.
Your effective deduction on mortgage is in excess of Standard Deduction, not the whole of it.
by nura
Sun Sep 22, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 11943

Re: How hard is it really to get into college?

OP, 1) It is not hard to get into college if you are not selective about where to go. 2) It is harder to graduate from college when many students drop out of college and never graduated. 3) It is even harder to find a job after you graduated. 4) Staying employed for a long period is even harder. In...
by nura
Fri Aug 30, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: paying off 15 year vs 30 year fixed rate mortgage
Replies: 53
Views: 3946

Re: paying off 15 year vs 30 year fixed rate mortgage

Monster99 wrote: Tue Aug 27, 2019 3:05 pm Being debt free is a great feeling - having a paid off house is very liberating in retirement....
Not when your (non-deductible) property tax exceed the interest paid on the mortgage which is my case.
by nura
Sun Aug 18, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Yet one more mortgage vs investing - ARM and tax situation
Replies: 11
Views: 1300

Re: Yet one more mortgage vs investing - ARM and tax situation

Mortgage is a 3.125 ARM - 4 years left for ARM. After ARM can go up to 8.125% Have been paying down with savings (roughly $15K per year reduction in balance). Current mortgage amount - $175K Why not re-fi ARM to a 15 year fixed at the same APR or less? Avoid pre-paying the mortgage when you can mak...
by nura
Mon Aug 12, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 7792

Re: How should my Spouse and I handle a $300,000 Settlement?

Chronic spending problems can't be cured with investment advise
by nura
Sat Aug 10, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out Re-Fi vs HELOC for landscape project
Replies: 13
Views: 814

Re: Cash out Re-Fi vs HELOC for landscape project

DJAlcatraz wrote: Sat Aug 10, 2019 10:14 pm Driveway (remove current, install new, new concrete patio, new pathway) is $16
Landscape (remove all grass, trees, level, new sod, extend contrete footprint) $16
Plants/trees/misc $10
Lighting $3
Hope your house is at least 1 Mil to drop this much coin on landscaping
by nura
Fri Aug 09, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1666
Views: 240747

Re: Fidelity as a one stop shop

Yes, VTC
by nura
Thu Aug 08, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1666
Views: 240747

Re: Fidelity as a one stop shop

Correct. Fidelity has more. Fidelity has 58 index funds. Vanguard has 48. I am looking for following equivalent Fidelity index funds which I currently have with Vanguard: VDADX Dividend Appreciation Index VCT Corporate Bond Index And low E/R (<0.25) active funds: VTMFX Tax Managed Balanced VMVFX Gl...
by nura
Thu Aug 08, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1666
Views: 240747

Re: Fidelity as a one stop shop

Fidelity advantages: index funds as cheap or cheaper than Vanguard for most asset classes; three "zero" cost index funds; Fidelity have no where near the number of index funds Vanguard has. Furthermore, you will not find low cost active funds like Wesley or Wellington with ER <0.25. Heck, Fidelity ...
by nura
Thu Aug 08, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2616

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

KlangFool wrote: Wed Aug 07, 2019 9:46 pmThere is no point to be overly-educated without doing the job.
Great advise, it is some common these days to be higly educated with being able to work in the relevant field.
by nura
Sun Aug 04, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buy the house or continue to rent?
Replies: 39
Views: 3180

Re: Buy the house or continue to rent?

Dilbydog wrote: Sun Aug 04, 2019 4:48 pm SALT is capped at 10k. Mortgage interest is still deductible for mortgages under $750k, provided you itemize.
If you itemize, you forgo 24k standard deduction; only for mortgage interest excess of $14k (assuming you max out on 10k SALT) you start getting tax breaks.
by nura
Sun Aug 04, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: Any Tax Managed Balanced funds from Schwab,Fidelity?
Replies: 8
Views: 1044

Re: Any Tax Managed Balanced funds from Schwab,Fidelity?

UpperNwGuy wrote: Sun Aug 04, 2019 6:18 pm Why don't you want to hold Vanguard's Tax Managed Balanced Fund?
75% of my portfolio is with Vanguard, rest with Fidelity and Schwab. Wanted to spread it across 2 or 3 Fund houses more evenly.
by nura
Sun Aug 04, 2019 5:05 pm
Forum: Personal Investments
Topic: [Deleted]
Replies: 30
Views: 2560

Re: International Active Funds (at a reasonable price)

HEDGEFUNDIE wrote: Tue Jul 30, 2019 7:26 pm Not an exclusively ex-US fund but Vanguard Global Min Vol (VMNVX) would be my go-to for an active one-and-done equity fund.
VMNVX has smoked every pretty much every Fund with an international component in terms of risk adjusted return since it;s inception.
by nura
Sun Aug 04, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: Any Tax Managed Balanced funds from Schwab,Fidelity?
Replies: 8
Views: 1044

Any Tax Managed Balanced funds from Schwab,Fidelity?

I am looking for alternative to Vanguard's Tax Managed Balanced fund (VTMFX) either in a single fund or EFT of a combination of two.
by nura
Sun Aug 04, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Help me choose my next Boglecar!
Replies: 52
Views: 3797

Re: Help me choose my next Boglecar!

Hello fellow Bogleheads! In traditional BH fashion I've been driving my trusty but slowly deteriorating 2003 Pontiac Vibe for the last 14 years and have decided it's time to look for a replacement. I love the Vibe - it has a small footprint yet amazing cargo capacity (54 cu. ft) and has been a grea...
by nura
Sat Aug 03, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 8129

Re: Dept Outsourced - Job Worries - Need your Advises

DevOps is one the streams of IT that is more vulnerable to outsourcing or automation. I would not suggest a experienced DBA to transition to career in DevOps. Have you looked at learning one of NoSQL databases like HBase,MemSQL or Cassandra where your RDBMS skill may become handy?
by nura
Fri Mar 01, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k and SEP IRA same year
Replies: 4
Views: 296

Re: Solo 401k and SEP IRA same year

TheMadEph wrote: Fri Mar 01, 2019 12:46 pm you cannot contribute to both a Solo 401(k) and a SEP IRA in the same tax year.
You can, as long as all contribution added up stay below below annual per-person limit.
by nura
Fri Mar 01, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 16504

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

By accelerating the advent of sustainable transport, of course. Sustainable transport for $50k would be buying a 40mpg+ car with all current safety features under $20k and investing the balance $30k in low-cost index portfolio with sufficient returns to fund the cost of running, maintenance and rep...
by nura
Wed Jan 16, 2019 1:32 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19844

Re: Are You Dumping Netflix?

Dumped Netflix a while due to lack of (original) content, not due to recent price increase.
by nura
Wed Jan 16, 2019 1:24 am
Forum: Investing - Theory, News & General
Topic: Real value of NYC real estate, 1899-1999.
Replies: 52
Views: 5413

Re: Real value of NYC real estate, 1899-1999.

The Vanguard U.S. REIT (VGSIX) returned -6.11% in 2018. My personal real estate portfolio had a 18% IRR with six figure profits in 2018. So, where did diversification get you? :sharebeer Have you calculated the IIR if you had deadbeat tenant(s) requiring 1000s of dollars in legal fees and several m...
by nura
Wed Jan 16, 2019 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6513

Re: Furloughed Fed Employee - How to make best use of time

Great time to ride uber to replenish the emergency fund to pre-shutdown levels
by nura
Tue Oct 09, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 5374

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Many folks who live in apartments or urban areas do not have the space to store four snow tires 9 months a year, not to mention the hassle to swap them twice. Back in the day ,AWD used to have 10~20% milage penalty. Present day Subarus return same gas milage as their FWD counterparts. Impreza gets n...
by nura
Tue Oct 09, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 5374

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

WhiteMaxima wrote: Tue Oct 09, 2018 5:47 pm
RootSki wrote: Tue Oct 09, 2018 5:16 pmSubie.
Hi reliable of Subie now? Box engine still burn oil?
Mazdas still rust?
by nura
Sun Jul 29, 2018 4:38 pm
Forum: Personal Investments
Topic: Tech Fund - FSCSX- Time to Sell? [Fidelity® Select Software and IT Services]
Replies: 15
Views: 1255

Re: Tech Fund - FSCSX- Time to Sell?

One should never have owned it in the first place, so that means it is always time to sell. +1,000. KlangFool Actually it is approximately +$1,000,000 in favor of FSCSX. If you invested $10,000 each in FSCSX and VFINX on the day the day this actively managed sector fund was launched in 1986, you fi...
by nura
Sun Jul 29, 2018 4:36 pm
Forum: Personal Investments
Topic: Tech Fund - FSCSX- Time to Sell? [Fidelity® Select Software and IT Services]
Replies: 15
Views: 1255

Re: Tech Fund - FSCSX- Time to Sell?

FSCSX bit ahead on S&P500 http://quotes.morningstar.com/chart/fund/chart?t=FSCSX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A10%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%22main%22%2C%22navSettingId%22%3A%22nav%22%2C%22b...
by nura
Tue Jul 10, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 7663

Re: 30 Year vs 15 Year Mortgage

Everyone has some fancy reason not to use the 15 year. But I never heard someone complain about having the house paid for. Also, it is a really good feeling. I have 3% 15 year mortgage to which I made a few months worth of extra payments in addition to paying off a 1.5% 60 month auto loan. Neither ...
by nura
Fri Jun 29, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 8428

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Are you looking for a truck or minivan with a bed?
by nura
Sun Jun 24, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 113
Views: 12107

Re: PSA: Bank of America now charges $12/month for checking

Bank of America also has sign up bonus every now and then such as http://www.hustlermoneyblog.com/bank-of-america-checking-bonus/ I offered BoA to start a direct deposit if they forgave the $12 they already charged, they declined. I promptly took my money elsewhere. Few weeks later, BoA mailed me s...
by nura
Sun Jun 24, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 113
Views: 12107

Re: PSA: Bank of America now charges $12/month for checking

As a BoA shareholder, I am glad to see that they are instituting fees to cover the cost of providing services to you. I started BoA account out of school, had it without monthly fee for over 10 years. When they him me with first $12, we cancelled out all BoA accounts. Between members of family, we ...
by nura
Sat May 19, 2018 7:26 am
Forum: Personal Investments
Topic: Small cap value tilt
Replies: 38
Views: 6613

Re: Small cap value tilt

small international (vss) 10 Us reit (vnq) 5 large value (vtv) 10 international small value (DLS) 10 Us small value (vtwv) 35 large international (vea) 10 international reit (vnqi) 5 large value (vig) 5 emerging (veiex) 10 S&P 500 provides perhaps the best risk-adjusted returns over extended period...
by nura
Wed Apr 25, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $300 bonus for a new saving account
Replies: 27
Views: 4719

Re: Chase $300 bonus for a new saving account

What has low net worth anything to do with fraud detection algorithm?
by nura
Wed Apr 25, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $300 bonus for a new saving account
Replies: 27
Views: 4719

Re: Chase $300 bonus for a new saving account

Please avoid doing business with Chase. I had opened a new savings account with Chase 3 week back, they keep rejecting incoming transfer to my new Chase account citing fraud and other sundry excuses such as inability to verify sufficient funds; they even locked out my online access. After an hour lo...
by nura
Fri Apr 20, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 4076

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: 4076

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: Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 9178

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: 5756

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: 7575

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: 5756

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: Personal Investments
Topic: How to invest extra 50K when invested in an already diversified portfolio
Replies: 29
Views: 3981

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: Personal Investments
Topic: Should I move my SEP IRA from VGSLX to VTSAX? [Vanguard Real Estate to Total Stock Mkt]
Replies: 7
Views: 1570

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...