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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: 865
Views: 335587

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: 5771

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: 719

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: 2593

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: 988

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: 3635

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: 5771

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: 1962

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: 5771

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: 9141

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: 2858

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: 1049

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: 3593

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: 2370

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: 6645

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: 1034

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: 2498

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: 2498

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: 613

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: 1465

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: 12272

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: 12272

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: 1081

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: 12272

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: 2757

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: 51
Views: 4605

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: 51
Views: 4605

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: 51
Views: 4605

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: 51
Views: 4605

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: 107
Views: 6375

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: 7256

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: 2827

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: 5020

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: 5193

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: 9180

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: 9180

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: 5475

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: 3626

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: 1113

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: 2889

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: 87
Views: 13116

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: 87
Views: 13116

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: 2889

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: 888

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: 2173

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: 5154

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: 3626

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: 1388

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: 8502

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: 8502
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