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Re: Why I chose "The Majesty of Simplicity" for my signature

When I was much younger, I read Walden , written by Henry David Thoreau. Its basic theme was Simplicity. Thoreau was the great American philosopher who wrote: "Our life is frittered away by detail. Simplify, simplify, simplify!" Thanks to Thoreau, Simplicity has long been a guiding princi...
by Sunny Sarkar
Sun Sep 14, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why I choose "The Majesty of Simplicity" for my signature
Replies: 42
Views: 14960

Re: What are the benefits of a good credit score?

Employers often perform a credit check as part of their verification. A bad score would disqualify you from many positions that involve dealing with money. I've been told that a bad credit score could disqualify one from any position as the person is not perceived as a responsible individual. I don...
by Sunny Sarkar
Thu Sep 11, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are the benefits of a good credit score?
Replies: 16
Views: 1224

Re: New 2% cash back Mastercard from Citi

Does this card feature the ability to auto-redeem rewards into some account or as statement credit?
by Sunny Sarkar
Thu Sep 11, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19524

Re: New 2% cash back Mastercard from Citi

My favorite was a recent invitation to apply for a Visa Black Card. It came in an attractive black envelope, promising exclusivity for those with stellar credit and discerning tastes. It came with a 50,000 mile frequent flier reward and was a mere $700 a year to own with a 24% interest rate. I thin...
by Sunny Sarkar
Fri Sep 05, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19524

Re: New 2% cash back Mastercard from Citi

The 2% Fidelity AmEx card's auto-redeem feature is more valuable to me compared to the Visa/MC vs. Amex acceptance difference (I don't face it even once a month). However, I do have a Citi MC that's my oldest credit account and I keep open for credit history/score purposes - so I might look into ch...
by Sunny Sarkar
Thu Sep 04, 2014 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19524

Re: How exactly would you define market timing?

I'd say market timing is making investment decisions based on predictions based on current market conditions. The scenario you described - where an investor decides not buy i-bonds that would not yield a real after-tax return given the known fixed rate - I would not term that as market timing becaus...
by Sunny Sarkar
Thu Sep 04, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: How exactly would you define market timing?
Replies: 67
Views: 1994

Re: New 2% cash back Mastercard from Citi

The 2% Fidelity AmEx card's auto-redeem feature is more valuable to me compared to the Visa/MC vs. Amex acceptance difference (I don't face it even once a month). However, I do have a Citi MC that's my oldest credit account and I keep open for credit history/score purposes - so I might look into cha...
by Sunny Sarkar
Thu Sep 04, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19524

Re: Debating whether to keep current vehicle or purchase ano

If I were in your shoes, I'd get a 3 or 4 year used high MPG reliable car like Toyota Prius or Volkswagon Jetta TDI. I'd sell the Ford not as much for how much I can get from the sale, but more to avoid paying for repairs and the associated headache.
by Sunny Sarkar
Fri Aug 29, 2014 6:02 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2383

Re: Discover Free Checking + $50 sign up bonus

I got the mailer too and started thinking about it. Given the 2% cash back I get from my default credit card, 10c cash back per transaction would make sense for small purchases under $5 - so it could be a good one for small expenses like fast food or coffee. Interestingly, it also pays 10c per bill ...
by Sunny Sarkar
Fri Aug 29, 2014 5:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Discover Free Checking + $50 sign up bonus
Replies: 1
Views: 578

Re: New 2% cash back Mastercard from Citi

What is the mechanism to redeem the cash back rewards for this new Citi 2% card? The Fido AmEx 2% card has auto-redemption into any Fidelity account - I love the way it works every month like clockwork.
by Sunny Sarkar
Fri Aug 29, 2014 5:40 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19524

Re: The Worst Investment You Can Make: Buying a Home

I don't need any calculations, I know that owning is better. My Dad owned our family home, and I never had any housing costs as long as I stayed in my home country. By contrast my peers whose Dads always rented had to pay through their nose for housing, some still do, and it keeps going up. All &quo...
by Sunny Sarkar
Thu Aug 28, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16046

Re: New 2% cash back Mastercard from Citi

Just wondering why Citi structured the cash back like that - 1% when you buy + 1% when you pay off - instead of simply 2% like Fido AmEx. Is there a trick/catch somewhere?
by Sunny Sarkar
Thu Aug 28, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19524

Re: Best iPhone deal for light user

bertie wooster wrote:
tc101 wrote:What do I get with an iPhone 5 that I don't get with iPhone 4?


A better phone.

iPhone 4S is better than iPhone 4.
iPhone 5c is the same phone as iPhone 4S.
iPhone 5S is better than all of the above.
iPhone 6 is rumored to be coming out Sep 9th - wait and see.
by Sunny Sarkar
Sun Aug 24, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2409

Re: Best iPhone deal for light user

I want to be able to change providers. I don't want to be locked into a long term contract. Virgin Mobile would be a cheaper plan, but even though they do not lock you into a contract, you would get locked because of their technology. They use Sprint's technology and the phones are not portable to ...
by Sunny Sarkar
Sun Aug 24, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2409

Re: The Three Fund Portfolio

Hi Taylor,

Now that it seems TBM has "term-creeped" to long-term (link), does this change anything regarding its membership in the 3-fund portfolio - which, I believe, is using TBM to implement its allocation to intermediate-term bonds?

Regards,
Sunny
by Sunny Sarkar
Sun Aug 17, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 891
Views: 350318

Re: Total Market Bond Fund vs Intermediate Term Fund

Read in another thread how both of these funds have been tagged long-term bond funds now, but what caught my attention was that VBTIX is high quality while VBIIX is medium quality. Was that the case earlier? VBTIX: Vanguard Total Bond Market Index I The fixed-income Style Box position for this fund ...
by Sunny Sarkar
Sun Aug 17, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5942

Re: Recommendation for ear buds/in ear headphones

* Panasonic 120 series in the $10 range * Sennheiser PX-100 series in the $50 range * Grado SR80 series in the $100 range I bought a pair of red Panasonic 120 series earbuds for my wife for her gym and frequently find myself stealing them when I take the dog out for a walk. Amazing quality & val...
by Sunny Sarkar
Fri Aug 15, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 759

Re: Lifestyle Creep

Neither of us can tolerate the long car rides as well in our 2010 Jetta. Test driving an Accord Hybrid Touring today, not expecting it to be that much better. Considering a Touring/Limited Toyota Avalon. A new or low mileage used Lexus ES350 may just be the one you are looking for. Smooth like butt...
by Sunny Sarkar
Fri Aug 15, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2666

Re: Best Short Joke

Kasparov is so good at chess that he beat me with his left hand.
by Sunny Sarkar
Fri Aug 15, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Best Short Joke
Replies: 12
Views: 1032

Re: Why would a passive investor use ETFs?

You've made some good arguments for using ETFs. Why aren't they more prevalent here? Most people I see are using mutual funds * ETFs are new. Already had MFs for a long time and changing over could be unnecessary cost (tax) for no real benefit. * Can buy partial shares of MFs. * Don't need to worry...
by Sunny Sarkar
Thu Aug 14, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3775

Re: Total Market Bond Fund vs Intermediate Term Fund

Interested in reading Nisiprius's post mentioned above - if someone has the link, please post.
by Sunny Sarkar
Thu Aug 14, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5942

Re: Do you hold cash/money market outside of your emergency

Do you hold cash/money market outside of your emergency fund

No cash outside of checking account. Even emergency funds are in ST bond fund (with check writing).
by Sunny Sarkar
Thu Aug 14, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 1998

Re: Total Market Bond Fund vs Intermediate Term Fund

My first bond fund was a non-vanguard intermediate term bond fund available in my 401k. In the 2004 (note the year) Denver reunion, Mr. Bogle expressed his reservations about the then state of mortgage based securities, and indicated that he marginally preferred the Intermediate Bond Index fund over...
by Sunny Sarkar
Wed Aug 13, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5942

Re:

My first mutual fund was Life Strategy Growth. I've since reallocated my portfolio to Taylor's 4-Fund portfolio (same as the 3-Fund portfolio in the Bogleheads Wiki) for obvious tax efficiency reasons, but if I had to go back into one fund, I'd go back to the Life Strategy Growth fund. Let me revis...
by Sunny Sarkar
Tue Aug 12, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: If only one Vanguard fund to invest in - what's your call?
Replies: 67
Views: 9309

Re: An Honest Stock Market Update - A good laugh

Asked what his clients thought of this view, Mr. McDade laughed. "Oh my God, you think I could tell my clients that? How could I justify my salary?" Clients were told Monday's gain was caused by a mix of reversing geopolitical instability, shifting uncertainty patterns, a risk-on atmosphe...
by Sunny Sarkar
Tue Aug 12, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: An Honest Stock Market Update - A good laugh
Replies: 17
Views: 2911

Re: Different email everywhere

Yes Google has that feature and I use it regularly. But I use it to sort emails rather than expecting it to defend me against a hacker, because it is peanuts for a hacker to remove everything between the + and the @. Another way to get a different email for everything could be to get your-domain.com...
by Sunny Sarkar
Fri Aug 08, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Different email everywhere
Replies: 5
Views: 1058

Re: Vanguard computer security

Like other financial institutions, Vanguard is regularly targeted—hundreds of thousands of times a day—by cyber criminals who want that data.

One word: WHOA!
by Sunny Sarkar
Fri Aug 08, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3753

Re: It won't matter if your password gets stolen

What's the limitation of 2 factor authentication (password + single use key on phone/device)? Seems plenty safe to me for all practical purposes.
by Sunny Sarkar
Fri Aug 08, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2395

Re: That sudden moment when Money is not a Problem

Unfortunately, I find some 20 year olds who go by "go on that safari/ buy that sports car/ splurge on yourself now cause you're only young once. I expect they will be broke many times. And those 20 year olds are not on this site, reading this thread. Not true. I spent my entire first paycheck ...
by Sunny Sarkar
Fri Aug 08, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6720

Re: India’s Rajan sounds alarm on asset bubbles

Since everyone is entitled to their uneducated opinion on the internet, I will present mine... Economies are dynamic systems with too many variables, many of them unknown. Efforts to reduce them to a few variables that can be understood and used to make predictions (or worse: present them in article...
by Sunny Sarkar
Fri Aug 08, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: India’s Rajan sounds alarm on asset bubbles
Replies: 5
Views: 1085

Re: How many Accounts do you log into and how do you manage?

I think I am sold on lastpass, especially after hearing the poster above describe it. Do those of you who use lastpass use the free or premium version? I don't want to log into stuff on mobile anyway like banks or brokerages. I do not need premium, but I am seriously considering upgrading to premiu...
by Sunny Sarkar
Fri Aug 08, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2606

Re: How many Accounts do you log into and how do you manage?

Using LastPass with 2-factor authentication. LastPass experience: Took me more than a month to visit every website for the first time after installing LastPass so that the logins gets included into my LastPass account - was very surprised to fond out that I have logins for close to a hundred website...
by Sunny Sarkar
Fri Aug 08, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2606

Re: Is 2 Factor Authentication worth the trouble?

Is 2 Factor Authentication worth the trouble?


YES :!:
by Sunny Sarkar
Wed Aug 06, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is 2 Factor Authentication worth the trouble?
Replies: 9
Views: 631

Re: Salary Negotiations (Base Salary vs Base + Bonus)

Even if the bonus was 10% higher, I'd take the higher base salary.
by Sunny Sarkar
Sun Aug 03, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiations (Base Salary vs Base + Bonus)
Replies: 7
Views: 1486

Re: International investing. A good call by our mentor.

JoMoney wrote:Some people just can't embrace how simple it can be, and seem to want to try and push and pull their stocks hoping their efforts will somehow generate something extra.


The Search for the Holy Grail - Jack Bogle, 1998
by Sunny Sarkar
Fri Aug 01, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12510

Re: International investing. A good call by our mentor.

The part I find funny and frustrating about the board lately is that so many BOGLEheads don't place confidence in Mr. Bogle about the international deal. It's a matter of degree of importance. Jack Bogle's overarching advice is "Costs Matter" and "Stay The Course". Bogleheads fo...
by Sunny Sarkar
Thu Jul 31, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12510

Re: W/ AA - consider all accounts as one, including spouse?

W/ AA - consider all accounts as one, including spouse?

If the portfolio is for putting the same food on the same table for both, then yes. :D
by Sunny Sarkar
Thu Jul 31, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1096

Re: International investing. A good call by our mentor.

You could also argue that small and mid cap stocks aren't absolutely necessary either. Then keep the same logic going long enough and pretty soon you own just the 20 largest US based companies. Portfolio Engineering is overrated. 1. Keep costs low - very important 2. Stay the course - very importan...
by Sunny Sarkar
Thu Jul 31, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12510

Re: Where to keep "emergency fund" and how much to keep in b

Say I have expenses of around $1500 a month. Right now I keep $5-6k in my bank and invest everything else. Is there a better place to park a few thousand of that? Or would it likely take too long to get it out if I needed it? My thought is that at least one months worth of expenses need to be in an...
by Sunny Sarkar
Tue Jul 29, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to keep "emergency fund" and how much to keep in bank?
Replies: 19
Views: 2774

Re: favorite bogleheads posts?

Bill Bernstein on the value effect...
Is there a value effect? Personally, I think the answer is yes. But there are some very smart people who disagree, one of whom is named Bogle. You quickly learn that when you disagree with the Sage of Valley Forge, you usually wind up cleaning egg off your face.
by Sunny Sarkar
Fri Jul 25, 2014 8:17 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5058

Re: favorite bogleheads posts?

John Norstad's great asset allocation calculator... John Norstad | March 2004 I have indeed found a great asset allocation calculator. It uses MPT and all the other modern models like Fama-French. It uses a huge database of expert analyst's estimates of correlations and expected returns and standard...
by Sunny Sarkar
Fri Jul 25, 2014 8:13 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5058

Re: favorite bogleheads posts?

Order of importance...
Steve Dunn | 12-18-2005

In order of priority, I would list what is important in the following order of priority:

1. How much you earn (the value of your human capital).

2. An intelligent insurance program.

3. Your savings rate.

4. Your allocation to stocks versus bonds.
by Sunny Sarkar
Fri Jul 25, 2014 8:11 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5058

Re: favorite bogleheads posts?

Taylor's response to a "Why not 100% stocks" thread... Taylor Larimore| 09-28-00 Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. I was 5 years old and remember. When the depression hit, we lost the Diner and moved into my grandfather's home in Miami. Grandfather, w...
by Sunny Sarkar
Fri Jul 25, 2014 8:06 am
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5058

Re: "Our life is frittered away with detail."

Brak: I have one credit card. " Our life is frittered away with detail. Simplify. Simplify." -- Henry David Thoreau Best wishes. Taylor The one card strategy is fantastic. The only card I use is... 1. Fidelity AmEx - primary/only card used for everything, 2% cash back Two other cards I ke...
by Sunny Sarkar
Tue Jul 22, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 17979

Re: POLL: Do you have a dedicated REIT allocation?

Theoretically, I'm still hazy about the difference between a sector and an asset class.
Practically, I doubt whether a small allocation of anything makes any difference in long term returns.
by Sunny Sarkar
Wed Jul 16, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7418

Re: Oil Change due: Synthetic vs Regular Oil

Leeraar wrote:Synthetic oil is for sustained high-temperature operation.

I was told that synthetic oil also helps during engine start in cold temperatures.
by Sunny Sarkar
Tue Jul 15, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2867

Re: POLL: Are You Re-Balancing?

jimkinny wrote:All of this 5% bands stuff seems like we placing a lot of emphasis on numbers that are not very significant.


Agree - it's probably much ado about nothing - but it sure feels good to sell high to buy low.
by Sunny Sarkar
Tue Jul 15, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5036

Re: Amazon prime - how to get the best out of it?

We have Kindle Fires and Smart TVs and our kids watch Prime videos. We have all our credit card stuff under security key so they can't buy anything. It's a concern Amazon has solved for. Could you please elaborate a little bit more on how to do this? Any how-to page links? Thanks a lot. My TV, by d...
by Sunny Sarkar
Thu Jul 10, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5216

Re: "Average investors don't settle for average?"

The only generalizations that can be made about active investors is that they don't settle for "average", which is what passive investors do. Not really. Passive investors know that "average" investors usually outperform "active" investors. The arithmetic is irrefutabl...
by Sunny Sarkar
Wed Jul 02, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9290

Re: Bernstein: Don’t Bother With International Bonds

wbern wrote:Maybe you get a tiny bit of extra diversification, but it’s a trivial amount—plus you’re paying higher expenses and higher transactional costs to deal with foreign bonds.


Same applies for international stocks. (Now I'll run and duck)
by Sunny Sarkar
Wed Jul 02, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9290
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