Search found 663 matches

by manuvns
Wed Dec 12, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 25
Views: 1134

Re: Buying used car

i won't buy a used honda i am a toyota fan
by manuvns
Sun Nov 25, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1677789

Re: U.S. stocks in freefall

Facebook and Alphabet stocks are great buy at the moment even if they fall few more.
by manuvns
Wed Oct 31, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2706

Re: Luxury Sedans for around $25k used with lower miles? AWD?

you can get many 2014/2015 Lexus IS/ES , Infiniti Q50 at that price and much better than Acura
by manuvns
Tue Oct 30, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Re: Vehicle recommendations for long commutes in CO mountains

Wanted to get some feedback on what specific vehicle might fit the bill for these driving conditions. 54 miles one way about 12-13 days a month. In Colorado where winters can be harsh. Have to drive to work in ALL conditions, no matter how bad. Drive on highway and narrow dirt back roads. Want comf...
by manuvns
Tue Oct 30, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4853

Re: Calculating ROI for PhD

if you currently have a job of 60k and Phd will pay you $30k then rio is negative . this is the only thing i see, not sure where you land after Phd .
by manuvns
Tue Oct 30, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Employee costs for a bay area start up
Replies: 5
Views: 415

Re: Employee costs for a bay area start up

Hi all: I and my co-founder am planning to start a small consulting business with operations in Bay area and India. We will feel happy if we have 10 employees by end of 2019 (5 each in bay area and India). Work will be professional consulting to local IT firms. Some questions: 1. Does anyone have r...
by manuvns
Thu Oct 25, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Is VTIAX/FTIPX now catching a falling knife?
Replies: 14
Views: 1661

Re: Is VTIAX/FTIPX now catching a falling knife?

it was a good buy yesterday but not today .
by manuvns
Wed Oct 24, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: robo adviser 4.0
Replies: 0
Views: 261

robo adviser 4.0

does anyone has experience with robo adviser using HFT and risk management ?

https://www.qplum.co/invest-with-risk-management

https://www2.deloitte.com/content/dam/D ... o-safe.pdf
by manuvns
Wed Oct 24, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Is VTIAX/FTIPX now catching a falling knife?
Replies: 14
Views: 1661

Re: Is VTIAX/FTIPX now catching a falling knife?

not a knife like tech stocks are.
by manuvns
Sun Oct 14, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: invest in sears bond maturing next week 10/15 , trading at 58c on the $
Replies: 18
Views: 2659

Re: invest in sears bond maturing next week 10/15 , trading at 58c on the $

thanks got paid this weekend and made 20% return in 10 days . the symbol was 812350AE6
by manuvns
Fri Oct 12, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1879

Re: Buying a pre-owned Lexus IS-250

monkey_business wrote:
Thu Oct 11, 2018 6:53 pm
indexonlyplease wrote:
Thu Oct 11, 2018 6:07 pm
why would someone buy a used car with 60k miles. Are you that desperate to drive a Lexus.
This. I don't see why someone would pay $22k for this car unless they just really want an "L" badge on their car's grill.
my wife drove a prius for 5 years and is now complaining .
by manuvns
Thu Oct 11, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1879

Re: Buying a pre-owned Lexus IS-250

Watty wrote:
Thu Oct 11, 2018 3:37 pm


I am not real familiar with it but a would a Toyota 86 be of interest?
thanks for the reply , i need space for 4 . 86/BRZ is good but no room in back seat .
by manuvns
Thu Oct 11, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Put Options
Replies: 41
Views: 2910

Re: Put Options

(Before everybody is telling me I shouldn't trade in options: The amount I'm speculating with represents a tiny portion of our net worth, much less than 1%. If I lose the whole amount, so be it. Call it financial curiosity or gambling, I know it's not investing.) So my question is this: I would lik...
by manuvns
Thu Oct 11, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1879

Re: Buying a pre-owned Lexus IS-250

Brand new Accord Sport or used Acura TLX. I think your choice is good though. thanks for the suggestion after research i found TLX and Accord are bigger cars the TLX v-6 AWD starts at $39k. The suggestion was a USED Acura TLX, so the new pricing you quoted isn't relevant. (Though it is $4K lower th...
by manuvns
Thu Oct 11, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1879

Re: Buying a pre-owned Lexus IS-250

Nice looking car that I've considered myself. I worry about the previous owner and what kind of driving and maintenance the car had. It's probably not a little old lady that was driving it conservatively. I also came across some HS250h listings that were surprisingly low, but learned about some tra...
by manuvns
Thu Oct 11, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3518

Re: Grind and Brew Coffee Makers - worth it?

i do it manually and love my DeLonghi EC155M Manual Espresso Machine. Cheap and Just as good
by manuvns
Thu Oct 11, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1879

Re: Buying a pre-owned Lexus IS-250

Alexa9 wrote:
Thu Oct 11, 2018 11:14 am
Brand new Accord Sport or used Acura TLX. I think your choice is good though.
thanks for the suggestion after research i found TLX and Accord are bigger cars the TLX v-6 AWD starts at $39k.
by manuvns
Thu Oct 11, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1879

Buying a pre-owned Lexus IS-250

I am looking to Buy a pre-owned 2015 Lexus IS-250 f-sports for $22k with 60k miles ( new retail price ~$43k) , what are the bogleheads thoughts on this purchase will someone recommend another car in this category at similar price point ?
by manuvns
Wed Oct 10, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: invest in sears bond maturing next week 10/15 , trading at 58c on the $
Replies: 18
Views: 2659

invest in sears bond maturing next week 10/15 , trading at 58c on the $

what are the bogleheads thoughts on buying the distressed debt of sears ?
by manuvns
Thu Aug 23, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Firstrade Moves To Free Online Trading
Replies: 7
Views: 712

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: 762
Views: 78686

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: 385

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: 385

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: 7281

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: 7046

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: 774

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: 570

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: 774

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: 16439

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: 5418

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: 22485

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: 10887

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: 679

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: 679

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: 40205

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: 4930

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: 42312

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: 1364

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: 1364

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: 726

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: 726

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: 726

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: 726

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: 22461

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: 10929

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: 5079

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: 1823

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