Search found 643 matches

by manuvns
Thu Aug 23, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Firstrade Moves To Free Online Trading
Replies: 7
Views: 656

Firstrade Moves To Free Online Trading

Got this from firstrade today, now a race to zero on discount brokerage . What could be better than a low-cost commission for trades? How about no-cost at all? Starting today, we are pleased to announce that we have eliminated commissions for all stocks, exchange-traded funds (ETFs), options and mut...
by manuvns
Wed Aug 01, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 731
Views: 68947

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

er doesn't matter, ETF are better due to option/ covered calls can pay for expense .
by manuvns
Mon Apr 16, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Excess roth IRA contribution
Replies: 3
Views: 335

Re: Excess roth IRA contribution

don't want to do that as it would lead to additional paper work .
by manuvns
Mon Apr 16, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Excess roth IRA contribution
Replies: 3
Views: 335

Excess roth IRA contribution

While filing my federal tax last night i was told that i made excess $2000 ($5500 instead of $3500)contribution to IRA. I filed my taxes stating that i contributed $3500 . here are couple of question i have #1 do i have until Oct 15th to withdraw the $2000 to avoid IRS tax penalty ? #2 What investme...
by manuvns
Mon Feb 05, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 6729

Re: Potential employer wants me to give offer - how to respond?

check what people in similar role are making ask 5-10% above that .
by manuvns
Fri Dec 08, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 6710

Re: I am buying a car: Most/Least Reliable Makes?

I have owned Honda accord 2002 , toyota corolla 2001 , hyundai santa fe 2002 , lexus rx 2007 and toyota prius 2005 . of these toyota and lexus have been most reliable . i have heard porsche are reliable too if you can afford it .
by manuvns
Fri Oct 13, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Inflation-Linked Bond in 401k or i series bond with treasury
Replies: 4
Views: 735

Re: Inflation-Linked Bond in 401k or i series bond with treasury

thanks for the reply . i am 75% stocks 18% bonds ( half Prudential total return and half cref inflation linked bonds) and rest in real estate Should one buy Inflation-Linked Bond in 401k accounts when treasury offers i series bonds with no loss of principal . I have lost money on my cref bonds https...
by manuvns
Thu Oct 12, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to bad 457b or invest in taxable account?
Replies: 5
Views: 546

Re: Contribute to bad 457b or invest in taxable account?

just put in enough to get the employer match . 5.5k in roth and 3-4k in 457b is enough on 60k income . wait until your income grows to 300k and you can choose where your money get invested.
by manuvns
Thu Oct 12, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation-Linked Bond in 401k or i series bond with treasury
Replies: 4
Views: 735

Inflation-Linked Bond in 401k or i series bond with treasury

Should one buy Inflation-Linked Bond in 401k accounts when treasury offers i series bonds with no loss of principal .
I have lost money on my cref bonds https://www.tiaa.org/public/pdf/ffs/194408506.pdf where as treasury i series bonds continue to beat it .
by manuvns
Fri Mar 31, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 15984

Re: When do you plan to die?

101 like billionaire David Rockefeller
by manuvns
Fri Mar 31, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 61
Views: 5317

Re: Dollar-Cost-Average over HOW MANY years?

are you doing this in taxable account or IRA ? I would simply buy 1/24 now and sell cash covered puts (giving me monthly premiums of 0.4-0.5%, e,g. -SPY170519P226 puts will give you 117-120 ,if it get assigned you will buy SPY at $225 instead for $236 which comes out better than all in at $236 ) exp...
by manuvns
Tue Feb 21, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 21942

Re: Why do you go to restaurants?

i go out to eat for convenience mostly to places like panera bread where food is "clean" and served quickly and portion are not big .
by manuvns
Tue Feb 24, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 10352

Re: Buying a home in SF Bay Area

with that income you can buy a 250 - 350k house (depends on downpayment ) . do we have something available for that much ?
by manuvns
Thu Feb 12, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Sold my PTTRX
Replies: 3
Views: 661

Re: TIAA Sold my PTTRX

The Wizard wrote:That's odd.
They don't usually force a sale when they change their palette of available funds.

To answer your question, I don't know.
But you do have some $$in TREA, right?
my plan administrator forced the sale . i do have 8% in trea with great return since 2009
by manuvns
Thu Feb 12, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Sold my PTTRX
Replies: 3
Views: 661

TIAA Sold my PTTRX

all of my Pimco total return ( PTTRX) was sold in 403b and replaced with
Prudential Total Return Bond Fund Class Q PTRQX:NASDAQ expense ratio : 0.46 %

my other two options are Cref bond market and cref inflation linked bond . Should i continue with PTRQX or move it to Cref bonds ?
by manuvns
Mon Jan 05, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 227
Views: 39854

Re: Bogleheads 2015 Hedge Fund Contest

Name: Planet of the ape's Dart Board fund

short:
GPRO , LYV

long:
DAL
by manuvns
Mon Jan 05, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 4906

Re: Post your 2015 New Year's Resolutions ITT

SuperGrafx wrote:1. Cut down on dining expenses
2. Exercise more
3. Continue to improve myself in my field of work
+1
by manuvns
Mon Jan 05, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 41628

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

my guess is 2201
by manuvns
Fri Aug 01, 2014 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: help me sell my i series bonds
Replies: 4
Views: 1351

Re: help me sell my i series bonds

thanks . redeemed around 28k worth from your recommendation .
by manuvns
Tue Jul 29, 2014 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: help me sell my i series bonds
Replies: 4
Views: 1351

help me sell my i series bonds

I have these bonds in my account .I need to raise cash to buy a house .Please tell me in which order should i sell them . Confirm # Issue Date Interest Rate Status Amount Current Value IAAAL 04-01-2012 1.18% $2,000.00 $2,083.20 IAAAJ 02-01-2012 1.18% $3,000.00 $3,130.80 IAAAH 01-01-2012 1.84% $5,000...
by manuvns
Wed May 14, 2014 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: help me choose the fund allocation
Replies: 11
Views: 705

Re: help me choose the fund allocation

It is a 500 index fund. It may duplicate some of what you already have. I was thinking replace CREF EQUITY INDEX 10% with Vanguard Institutional Index Fund Institutional Shares (VINIX) and VANGUARD EXTEND MARK INDX INST to mimic total market . 10% to the Institutional fund and 10% to emerging marke...
by manuvns
Wed May 14, 2014 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: help me choose the fund allocation
Replies: 11
Views: 705

Re: help me choose the fund allocation

livesoft wrote:Would you like to describe to us what "CREF EQUITY INDEX" actually is?
same as total market index fund.
by manuvns
Wed May 14, 2014 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: help me choose the fund allocation
Replies: 11
Views: 705

Re: help me choose the fund allocation

Stan Dup wrote:It is a 500 index fund. It may duplicate some of what you already have.
I was thinking replace CREF EQUITY INDEX 10% with Vanguard Institutional Index Fund Institutional Shares (VINIX) and VANGUARD EXTEND MARK INDX INST to mimic total market .
by manuvns
Wed May 14, 2014 11:49 am
Forum: Investing - Help with Personal Investments
Topic: help me choose the fund allocation
Replies: 11
Views: 705

help me choose the fund allocation

My 401k is offering Vanguard Institutional Index Fund Institutional Shares (VINIX) with expense of 0.04 . How should i change my allocation to take advantage of the new fund ? here is the current allocation INVESTMENT ALLOCATION PERCENTAGE CREF EQUITY INDEX 10% CREF GLOBAL EQUITIES 10% CREF INFLATIO...
by manuvns
Tue Dec 31, 2013 1:52 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 160
Views: 22348

Re: Bogleheads 2014 Hedge fund contest

UltraHedge Long Short Advantage Fund (Institutional Class)

Long
NEM - NEWMONT MINING CORP
JCP - J C PENNEY

Short
SPWR - SUNPOWER CORP
ACAD - ACADIA PHARMACEUTICALS
by manuvns
Tue Dec 31, 2013 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 10839

Re: What Was Your Best Portfolio move in 2013

re balancing in my 401k . no taxes
by manuvns
Fri Oct 18, 2013 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard, Schwab or Fidelity [recommend a discount broker]
Replies: 31
Views: 4948

Re: Vanguard, Schwab or Fidelity [recommend a discount broke

fidelity might be better if you want to trade thise 65 ishares etf for free and thay might have better access to new municipal bonds issues.

see here

https://fixedincome.fidelity.com/ftgw/f ... ame=MUNIBD
by manuvns
Fri May 10, 2013 9:34 am
Forum: Investing - Theory, News & General
Topic: Is 3.4 Million the magic number ?
Replies: 9
Views: 1819

Is 3.4 Million the magic number ?

This article made me thinking if 3.4 mil the right number for most people .

http://www.marketplace.org/topics/your- ... nt-savings
by manuvns
Wed Nov 07, 2012 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: sell emerging market bond and buy high yield bond ETF ?
Replies: 4
Views: 632

sell emerging market bond and buy high yield bond ETF ?

last year i got some emerging market bond and it's up around 14% + 5% yield . I am not into timing but feel it's getting riskier . Would it be wise to sell it and buy high yield ETF like JNK ? is JNK less riskier compared to PCY ( emerging market bond) . This is inside my ROTH IRA .
by manuvns
Fri Aug 17, 2012 5:04 pm
Forum: Personal Consumer Issues
Topic: When is it ok to purchase recreational toys?
Replies: 66
Views: 11320

Re: When is it ok to purchase recreational toys?

i guess when you have exceeded your money ratio
by manuvns
Wed Aug 15, 2012 1:38 pm
Forum: Investing - Theory, News & General
Topic: Where to put money for ~10 years if you don't like bonds?
Replies: 45
Views: 6391

Re: Where to put money for ~10 years if you don't like bonds

pay off debts and whatever is left spend it .
by manuvns
Thu Aug 02, 2012 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Wife is scared to quit.
Replies: 84
Views: 9557

Re: Wife is scared to quit.

you can live on less . take a break and her to find a new job .
by manuvns
Fri Jul 27, 2012 11:06 am
Forum: Investing - Help with Personal Investments
Topic: talk me out of buying an individual stock (Facebook)
Replies: 112
Views: 17366

Re: talk me out of buying an individual stock (Facebook)

don't do it . once 90 day (August 16th) lock up period is up employees/insiders will dump large quantity of FB making it implode .
by manuvns
Thu Jul 05, 2012 11:04 am
Forum: Personal Finance (Not Investing)
Topic: recruiter asks for birth month and day and last 4 of SSN
Replies: 36
Views: 19680

Re: recruiter asks for birth month and day and last 4 of SSN

sometimes they do it to avoid multiple submission for same candidate from different recruiter .
by manuvns
Fri Jun 22, 2012 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Was a DINK now a HENRY
Replies: 45
Views: 7420

Re: Was a DINK now a HENRY

is there an acronym for Double income couple of kids ? :)
by manuvns
Wed Jun 20, 2012 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: 45 and wondering if I should stop investing altogether?
Replies: 67
Views: 9140

Re: 45 and wondering if I should stop investing altogether?

what ever you do don't miss the 401k contribution it's use it or lose is space for tax payers .
by manuvns
Wed Jun 20, 2012 10:08 pm
Forum: Personal Consumer Issues
Topic: What Do You Use for Streaming on Your TV?
Replies: 118
Views: 16325

Re: What Do You Use for Streaming on Your TV?

netflix and hulu plus
by manuvns
Wed Jun 20, 2012 10:07 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs Tax Exempt Bonds
Replies: 15
Views: 4681

Re: I Bonds vs Tax Exempt Bonds

if you like risk buy muni bonds. I series Bonds are risk free .
by manuvns
Fri Jun 08, 2012 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: We inherited $200,000 and here is my synopsis of the market
Replies: 163
Views: 13520

Re: We inherited $200,000 and here is my synopsis of the mar

This is my first post here. 4. After the US market improves, then is the time to buy into the Euro Market. 5. So in the meantime I should hold cash and try to time the market to get into VTSAX, and then sometime later VTIAX, as as far as bonds go I should probably hold something very short term. I ...
by manuvns
Sat Jun 02, 2012 2:39 pm
Forum: Investing - Theory, News & General
Topic: Get out your stopwatch: it's a race!
Replies: 41
Views: 3920

Re: Get out your stopwatch: it's a race!

Petroleo Brasileiro SA
by manuvns
Wed May 09, 2012 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return you expect from stock portion of portfolio
Replies: 55
Views: 4398

Re: Rate of return you expect from stock portion of portfoli

anything that beats inflation . that was not an option .
by manuvns
Wed May 02, 2012 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: have mortgage and i series bond both ?
Replies: 1
Views: 280

have mortgage and i series bond both ?

does it make sense to have money invested in I series bond at this time (@2.2%) if you have a mortgage (ARM@ 3.25% )? why not just liquidate these bond and pay off mortgage. if composite rate rises above 3.25% then it makes sense to buy i series bonds . opinions ?
by manuvns
Wed May 02, 2012 3:47 pm
Forum: Investing - Theory, News & General
Topic: Is Your Home Cash, Bond or Stock? [Pick Only One]
Replies: 40
Views: 3140

Re: Is Your Home Cash, Bond or Stock? [Pick Only One]

none it's part expense part asset . the asset part is not liquid like cash bond or stock .
by manuvns
Tue May 01, 2012 5:22 pm
Forum: Investing - Theory, News & General
Topic: [Poll] Do you check your distributions?
Replies: 25
Views: 1563

Re: [Poll] Do you check your distributions?

thanks for reminding .
by manuvns
Tue May 01, 2012 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)
Replies: 27
Views: 2877

Re: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)

So you get 0% interest and instead a Mercedes-Benz... On reading the fine print, I thought you get 1.2%APY ... :? Maybe I'm wrong. the interest is paid to you up front to buy the car . you can buy two of those with penfed 7 year CD . The pre-calculated interest in advance amount $61,294.00 based on...