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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: 33
Views: 2180

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: 33
Views: 2180

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: 33
Views: 2180

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: 33
Views: 2180

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: 68
Views: 3784

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: 6906

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: 2737

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: 4953

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: 5112

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: 9030

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: 9030

Re: I found a new coffee.

I tried to be a coffee snob and failed. :oops: Now I toggle between Costco columbian, Folgers regular, and whatever I feel experimenting with. I've liked various coffees here and there now and then, but when I tried to brew at home, they always came out ordinary - so I gave up.
by Sunny Sarkar
Wed Jul 02, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5248

Re: Is it really necessary to have a bank account?

I have lived without a checking account for a few years using the following setup, and really enjoyed the simplicity of it... http://oi36.tinypic.com/2a9nm0g.jpg p.s. I do have a checking account now, but for different reasons. If the services you use at Vanguard are available at Fidelity, what is ...
by Sunny Sarkar
Wed Jun 25, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it really necessary to have a bank account?
Replies: 36
Views: 3595

Re: "William Sharpe: An unsung hero of passive investing"

William Sharpe's "The Arithmetic of Active Management" is one of the best articles I've ever read that makes the case for passive investing using, what Jack Bogle calls, the humble rules of arithmatic. It follows (as the night from the day) that the return on the average actively managed d...
by Sunny Sarkar
Tue Jun 24, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: "William Sharpe: An unsung hero of passive investing"
Replies: 9
Views: 1098

Re: Soccer - injury time?

Kosmo wrote:
Bfwolf wrote:All the other major sports work with clocks everybody can see--why not soccer?

Your red, white, and blue are showing.

Just curious... are there other countries where the sport is called "soccer"?
by Sunny Sarkar
Mon Jun 23, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2850

Re: The Mega Backdoor Roth IRA

:oops: :oops: Just read my guidelines for my job 401k plan. Since I am a "highly compensated employee" I can't contribute to the after tax portion of my 401k. I am going to call HR tomorrow about this, doesn't make sense. :annoyed I had the same initial reaction when I got the email from ...
by Sunny Sarkar
Mon Jun 23, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 84
Views: 12371

Re: The Mega Backdoor Roth IRA

hoppy08520 wrote:This is legit. There's a page in the Bogleheads wiki on this

Three cheers for the new litmus test for legitimacy :sharebeer
by Sunny Sarkar
Mon Jun 23, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 84
Views: 12371

Re: Soccer - injury time?

In these days of "high tech" timekeeping and scoreboard availability, why don't they just stop the clock for this injury time (or back it up, if the clock doesn't stop correctly)? Soccer is kept deliberately low tech and simple - one of the reasons why it's the world's game and played in ...
by Sunny Sarkar
Mon Jun 23, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2850

Re: Best free international texting app

Both WhatsApp and Viber do the job - as long as the other side is also on the same app. Viber is free (ad supported), while WhatsApp is almost free (99c/yr, first year free).
by Sunny Sarkar
Mon Jun 23, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Best free international texting app
Replies: 22
Views: 875

Re: Life Strategy Funds vs. 3 Fund portfolio

Benefits of 3-fund portfolio over LS funds:
* lower cost: you can get admiral shares
* lower taxes: you can locate tax-inefficient bond fund in tax advantaged account like IRAs
* total control over asset allocation: what if you want a 71/29 portfolio (not important IMO)
by Sunny Sarkar
Fri Jun 20, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Funds vs. 3 Fund portfolio
Replies: 13
Views: 2156

Re: If Harvard invested in Vanguard...

As much as I believe that a balanced low cost diversified approach is best, I would not use returns from a 5 year period as proof either way.
by Sunny Sarkar
Fri Jun 20, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5045

Re: Is it really necessary to have a bank account?

I have lived without a checking account for a few years using the following setup, and really enjoyed the simplicity of it...

Image

p.s. I do have a checking account now, but for different reasons.
by Sunny Sarkar
Fri Jun 13, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it really necessary to have a bank account?
Replies: 36
Views: 3595

Re: Should risk be stated in dollars terms instead of AA %?

Should risk be stated in dollars terms instead of AA %?

Theoretical risk is in percentages.
Real risk is in dollars.
by Sunny Sarkar
Fri Jun 13, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1374

Re: does frugality result in lower career ambition?

I believe two of the main points of the book "The Millionaire Next Door" are, one, that a strong majority of millionaires are ambitious, hard working people who love their work and love autonomy and, two, that they're frugal and have frugal spouses. Most millionaires surveyed continued wo...
by Sunny Sarkar
Fri Jun 06, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8351

Re: does frugality result in lower career ambition?

I'm finding out the hard way about the paradox of career ambition: pay grows linearly, but stress grows exponentially.
by Sunny Sarkar
Thu Jun 05, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8351

Re: How active mangers are responding to index popularity

active fund managers are holding fewer stocks and trading them less often in order to differentiate themselves from passive funds ." [/i] The underlined makes no sense. The "differentiate" probably refers to holding fewer stocks. The strategy has always been to loudly advertise the a...
by Sunny Sarkar
Thu Jun 05, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: How active mangers are responding to index popularity
Replies: 7
Views: 1094

Re: Two Comma Club!

Congrats!

At your age, I didn't even know the term "net worth". Then when I learned about it, I calculated (checking balance minus credit card balance) and found I was a proud owner of $121. No commas. I still remember the number (not kidding - this is true).
by Sunny Sarkar
Wed Jun 04, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5681

Re: A variant of the three-fund portfolio

Small capitalization stocks have an enduring history of outperformance, thus the choice of 100% small caps. In his decade plus old speech, The Telltale Chart , Jack Bogle discussed in detail the historical returns of various sectors vis-a-vis the market. Virtually the entire small-cap advantage too...
by Sunny Sarkar
Tue Jun 03, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: A variant of the three-fund portfolio
Replies: 4
Views: 556

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

bungalow10 wrote: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.
by Sunny Sarkar
Tue Jun 03, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5112

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

We have Amazon Prime and find good value in the free 2-day shipping deal. But we haven't really used it for anything else much. Looking for ideas. My kid watches Netflix videos - I was wondering if it's possible to create a separate login/profile for her without exposing my primary account (that has...
by Sunny Sarkar
Mon Jun 02, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5112

Re: Would like to transfer to all index funds at Fidelity

Agree with the above posters. My wife's 401k is with Fidelity and our target is to get above the $10k thresholds of Fidelity Spartan Total Market Index, Global ex-US Index, and U.S. Bond Index. Until we get to the thresholds, it is parked in the Four-in-One index watered down to the desired asset al...
by Sunny Sarkar
Mon Jun 02, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Would like to transfer to all index funds at Fidelity
Replies: 11
Views: 995

Re: An Interview with Charles Ellis

Looks like a good book, but it's a little pricey. $21 for hard copy, $16 for the Kindle edition. e-books should be cheaper. What's the price of not reading the book and playing the loser's game? Dead trees or electrons, however it's delivered, the content of Ellis's book is worth its weight in gold.
by Sunny Sarkar
Thu May 22, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: An Interview with Charles Ellis
Replies: 5
Views: 1053

Re: cable cutting questions

I cut cable approx 3 years ago, but recently ESPN has started to spoil the party - they are moving more and more stuff from the network channels into ESPN (like this year's Australian Open semifinals & final, and the upcoming soccer World Cup), and they won't allow you to see those over the inte...
by Sunny Sarkar
Thu May 22, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4963

Re: eBay Hit with Security Breach, Change Password!

Survey says that 123456 is the most popular password. What you really need is a list of usernames and you are good to go. That's why I like to pair random long unique usernames with random long unique passwords. Using LastPass (or similar software) it's zero extra effort anyway. There's still an Ac...
by Sunny Sarkar
Thu May 22, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: eBay Hit with Security Breach, Change Password!
Replies: 19
Views: 1519

Re: eBay Hit with Security Breach, Change Password!

[I've got another random password on eBay...heck that old one was only 15 characters, now I've made it the max 20. And luckily the old one was random While trying to change my password, eBay stunned me by saying that the LastPass generated 100 character password was of "Medium" strength. ...
by Sunny Sarkar
Thu May 22, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: eBay Hit with Security Breach, Change Password!
Replies: 19
Views: 1519

Re: When is a taxable account unnecessary?

If a person cannot fill all their tax advantaged space, is there any reason to have or invest in a taxable account? No. You are not overlooking anything. How about emergency funds? It is regularly advised on this forum to stash 6 months or so worth of expenses in an emergency fund in a liquid taxab...
by Sunny Sarkar
Wed May 21, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: When is a taxable account unnecessary?
Replies: 30
Views: 2040

Re: The Three Fund Portfolio: "Make more money and worry les

Tactical, or Not? "Take any buy-and-hold approach, you'll do OK, but we would suggest that even the most fundamental, the simplest form of tactical asset allocation could make a considerable difference," says David Kudla, chief executive of Mainstay Capital Management, a fee-only financia...
by Sunny Sarkar
Wed May 21, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio: "Make more money and worry less"
Replies: 8
Views: 2536

Re: Bogle Baptism

I would quote golfer Lee Trevino... One day in 1984 my wife, Claudia, told me, 'The government gets a third and we can spend a third, but we need to save a third'. That's the smartest advice anyone ever gave me. We're rich now. Concentrate on personal savings rate instead of worrying about the perfe...
by Sunny Sarkar
Fri Apr 25, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogle Baptism
Replies: 32
Views: 3347

Re: Advice for [Religious Investor]

@dl7848- If one goes by the letter of the law, one need not even go so far to debate the libor incident, because the very fact every bond fund pays dividends is good enough to not choose any of them. Like I said in my previous post, even growth stocks may not be spared.
by Sunny Sarkar
Fri Apr 25, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6491

Re: Advice for [Religious Investor]

My best friend is of this religion and we had quite a few respectful conversations (yes, it is possible) regarding the topic of circumventing interest income. We found that avoiding interest/dividend income altogether is near impossible because even part of the growth of near zero dividend paying gr...
by Sunny Sarkar
Fri Apr 25, 2014 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6491

Re: Short-term Bond Index Fund

Short-Term Tax-Exempt Bond Fund has average maturity of 1.2 years and ER of 0.20% - fits perfectly for parking cash needed in 6 to 12 months with a small dollop of risk/return over money market funds.
by Sunny Sarkar
Thu Apr 17, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 14
Views: 2118

Re: How to Apply for a New Credit Card

Here are my thoughts (essentially what I did myself)... 1. Don't close your oldest card because it defines the length of your credit history - longer is better for credit score. 2. Open a second rewards card account and charge everything to it. My favorite is the 2% Fidelity AmEx, but some prefer MC...
by Sunny Sarkar
Sat Apr 12, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Apply for a New Credit Card
Replies: 10
Views: 921

Re: TMobile $30 plan...

donaldfair71 wrote:My wife and I upgraded to the T-Mobile $30 plan through Wal Mart. Got sweet "newish" phones (Galaxy S3)

How much was the cost of the Galaxy S3 phone at Walmart?
by Sunny Sarkar
Mon Apr 07, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12065

Re: Cutting ties with Cable

I've been sans cable for 2 years now, and here are my basic takeaways... [*]The money saved is great. [*]The freedom to watch shows at my own time is awesome. So is the freedom to binge watch multiple older episodes continuously. [*]Some cable channels are fighting back and won't let you view their ...
by Sunny Sarkar
Thu Apr 03, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 3130

Re: Fibonacci numbers: has Cramer lost his mind?

> has Cramer lost his mind?

No. The people who make him who he is have lost their minds. Cramer is actually very smartly cashing in on that insanity.
by Sunny Sarkar
Thu Apr 03, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Fibonacci numbers: has Cramer lost his mind?
Replies: 20
Views: 1950

Re: Frugal Fatigue

I like this quote...
One day in 1984 my wife, Claudia, told me, 'The government gets a third and we can spend a third, but we need to save a third'. That's the smartest advice anyone ever gave me. We're rich now.
- Lee Trevino, golfer
"Spend a third"
by Sunny Sarkar
Wed Apr 02, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 10841

Why I own Vanguard Intermediate-Term Bond Index and not TBM

Why fix the Barclay's Aggregate index by overweighting corporates when the existing index used by Intermediate-Term Index, VBIIX seems to be fine? Why not just suggest that VBIIX might be more appropriate as an all-purpose "core" bond investment than Total Bond? While I've followed Taylor...
by Sunny Sarkar
Tue Apr 01, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 73
Views: 8828

Re: The Three Fund Portfolio has not specific allocations.

The Three Fund Portfolio has no specific allocation. The three funds are allocated according to each investor's goals, time-frame, risk-tolerance and personal financial situation. Hi Taylor, I was wondering whether you were ever tempted to add to the 3-fund portfolio a starting point AA like Jack's...
by Sunny Sarkar
Mon Mar 31, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8100

Re: Is The US Stock Market Rigged? ~ 60 Minutes March 30, 20

Perspective: despite all of its problems, I feel extraordinarily lucky that someone like me who has no financial acumen is able to capture market returns for a meager cost of 0.05%, and I thank the system that made it possible (however that came to be).
by Sunny Sarkar
Mon Mar 31, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 3555

Re: New E-book for Millennials

Bill Bernstein wrote:Believing it tacky to plug my own overpriced books, I’ve intentionally left them out.
Hi Bill,

FWIW, your books are worth every penny, compounded by market returns over investment lifetimes.
:sharebeer
by Sunny Sarkar
Mon Mar 31, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 53
Views: 10679
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