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Re: Personal Tips for a New Father to Be

Buy a good video camera. And use it. Nothing, I repeat - nothing, gives us more joy than watching her videos from those "litle" days that just whizzed by.
by Sunny Sarkar
Fri Nov 21, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 21
Views: 1046

Re: What do you splurge on?

Housing.

We are two and a half people (and a puppy) living in a 3200 sq.ft home, most of which belongs to the puppy.
by Sunny Sarkar
Fri Nov 21, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 98
Views: 4180

Re: Send text messages from PC to Cell Phone

jebmke wrote:Google Voice

+1

I do this all the time. No need to know which carrier the other party is using (to lookup the email list above).
by Sunny Sarkar
Fri Nov 21, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 11
Views: 806

Re: smartphone over wifi - still possible?

caroljm36 wrote:I'd like to switch from a dumb phone with no data to a smartphone, but I don't want to pay for data.

I think this $10/month plan is what you are looking for. I got it for my 11 y.o. on their brand new $99 android smartphone and it is working great.
by Sunny Sarkar
Fri Nov 21, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 28
Views: 1694

Re: Bogleheads, tell me about your 40's?

I'm feeling out of breath, kinda maxed out, in my early forties. The irony about climbing the ladder at work is that salary goes up linearly while responsibility goes up exponentially - and it's impossible to scale down to the efficient frontier even if I know where that lies. The thirties have put ...
by Sunny Sarkar
Fri Nov 14, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 91
Views: 11365

Re: Consider freezing your credit

If the crooks already know your SSN and where you live, etc., can't they also unfreeze your credit?
by Sunny Sarkar
Thu Nov 13, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 3545

Re: My DISH tv bill just keeps going up and up

Take any cheap Windows 7 or 8 desktop computer** with an HDMI output and hook it to the TV. Throw in a Mohu Leaf indoor antenna for over-the-air network channels. It improved our TV watching experience (ymmv), and cut down the entertainment bill to $8/month (netflix). ** I tried Roku, Apple TV, and ...
by Sunny Sarkar
Sat Nov 08, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4310

Re: 27 yr old reaches $1m net worth

I'm jealous. I could have made more money by taking a few over sized real estate bets compared to saving regularly in a diversified low-cost stock/bond portfolio. I feel like the Bogleheads have held me back :oops:
by Sunny Sarkar
Wed Nov 05, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 10720

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

berntson wrote:
Taylor Larimore wrote:Brak:

I have one credit card.

"Our life is frittered away with detail. Simplify. Simplify." -- Henry David Thoreau

Best wishes.
Taylor


Taylor, I would have expected you to have a three card wallet. :D

He does. The other two are drivers license and health insurance :D
by Sunny Sarkar
Sun Nov 02, 2014 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 76295

Re: 5 things you don't know about Vanguard

I was surprised to learn that so many of their actively managed funds beat their indexes over long periods. Doesn't that disprove their own main argument for indexing? I suspect that this is the goal of the article - "look Vanguard has active funds too, and their active funds beat index funds;...
by Sunny Sarkar
Sat Nov 01, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: 5 things you don't know about Vanguard
Replies: 21
Views: 4662

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

To OP: I think as engineers we develop an unconscious tendency towards trying to reduce every system down to a few control variables, and then try to use those few variables to control or predict the system's behavior. That's mostly what we are trained to do. Where we go wrong is in identifying very...
by Sunny Sarkar
Sat Oct 25, 2014 10:34 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10619

Re: DOW Watchers Stomach Syndrome

Doc wrote:
Call_Me_Op wrote:Just noise.

Agreed but really LOUD noise.

Loud, but white noise.
by Sunny Sarkar
Mon Oct 20, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2112

Re: need a new home page [browser default page]

Raymond wrote:StartPage

Startpage is intriguing. How does it compare to Duck Duck Go?

I've been using Duck Duck Go for a while now, and often when I do not get good enough search results, I use their !g syntax to get google search results, but then I end up in google anyway.
by Sunny Sarkar
Fri Oct 17, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1991

Re: Best place (with warm weather) to raise children

My wife and I may consider moving once our children start public schools. When that time comes we hope to be able to work part-time so we want to really enjoy where we're living. Our top priorities would be: 1. Top-notch public K-12 schools (or possibly inexpensive/free charter) 2. Great weather (s...
by Sunny Sarkar
Thu Oct 16, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5336

Re: So do we care more about change in bond price or bond yi

So do we care more about change in bond price or bond yield?

Yield!
Yield!
Yield!

They all (stocks and bonds) come and go, and all they leave behind are the dividends.
by Sunny Sarkar
Thu Oct 16, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 178
Views: 14138

Re: Grand Canyon by rail

It's good if you want to enjoy a train ride, but it doesn't really help you enjoy the park - it just takes you close to it. Helicopter rides, rafting, riding a mule, etc. are better ways to enjoy the canyon. Easiest armchair option is plain old driving and walking around the south rim site seeing po...
by Sunny Sarkar
Thu Oct 16, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 689

Re: What services like Amazon Prime do you share to save?

Is it possible to share Amzn prime without exposing the credit card information - I am interested in sharing the videos only but not the ability to order on my card.
by Sunny Sarkar
Tue Oct 14, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1520

Re: How Close AMEX SPG without hurting credit score

I have read in multiple places that the age of the oldest open credit account does indeed matter. Can you find an authoritative source? Remembered this one... don't know whether they can be considered "authoritative", but they are in this business and I hope they know what they are talkin...
by Sunny Sarkar
Sun Oct 12, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1180

Re: How Close AMEX SPG without hurting credit score

I have read in multiple places that the age of the oldest open credit account does indeed matter. Accordingly I keep my oldest credit card open even though I do not need/want it - luckily no fees involved.
by Sunny Sarkar
Sat Oct 11, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1180

Re: Best town I've never heard of [for relocating]

Hello fellow Bogleheads! I'm looking to move to a town in which to put down roots and raise a family. I've finally come to the conclusion that life is too short not to live in a place you find beautiful. So, below are some criteria I'm looking for, and I look forward to any recommendations you migh...
by Sunny Sarkar
Sat Oct 11, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10034

Re: $400 reward to open Chase accounts

I cashed in on many of these offers multiple times and then closed the accounts each time. I refuse to play their constant cat and mouse game of trying to extract fees from me. I think they finally tagged me and stopped sending me the offers (my wife still gets them).
by Sunny Sarkar
Sat Oct 11, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10274

Re: "The Most Serious Threat When Using Credit: You"

I don't think I spend more because I am using my credit card, but according to this it is unconscious so I may well be making spending decisions based on the use of the credit card without knowing it. Although I keep thinking that this doesn't apply to the supremely-self-controlled-about-money me, ...
by Sunny Sarkar
Sat Oct 11, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: "The Most Serious Threat When Using Credit: You"
Replies: 21
Views: 1255

Re: Fidelity AMEX: Close Saphire and SPG

I just opened a Fidelity 2% Amex. I did some calculations and it looks like I'm generally getting around 1.3 - 1.6 cents on... That's exactly what I did myself. I also looked into my rewards and found I was netting less than 2% overall despite juggling with a complex reward category based fleet of ...
by Sunny Sarkar
Sat Oct 11, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2441

"The Most Serious Threat When Using Credit: You"

A handful of academic researchers have studied what goes on inside our heads when credit cards are in our wallets, and even people who do not carry a balance each month are prone to overspending for a variety of reasons. http://www.nytimes.com/2014/10/11/your-money/the-slippery-plastic-slope-to-ove...
by Sunny Sarkar
Sat Oct 11, 2014 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: "The Most Serious Threat When Using Credit: You"
Replies: 21
Views: 1255

Re: What to do after maxing out retirement fund?

I am writing not for myself but for my brother. He has a Vanguard Target Date fund and has putting as much money as he can into if a few years now. He is starting to get to the point where he has more money to invest than the allowed Roth contributions. So what should he do with the extra investabl...
by Sunny Sarkar
Fri Oct 10, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out retirement fund?
Replies: 14
Views: 1078

Re: Critically Acclaimed Movies you did not like

Being from India, I detest movies that project mindless stereotypes, cliches, and myths about India. Examples are: Slumdog Millionaire, Indiana Jones and the Temple of the doom, Octopussy, the Seinfeld episode about an Indian marriage, etc. That's interesting; I've seen a few Bollywood films, that ...
by Sunny Sarkar
Fri Oct 10, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9090

Re: Current market volatility

Rick Ferri wrote:Panic is good for my portfolio because I can buy more stock index funds at lower prices (with fresh cash and by rebalancing out of bonds). So, pass the word for everyone to start panic selling. :shock: THANK YOU!

... yeah, but just don't overdo it - I might lose my job :oops:
by Sunny Sarkar
Fri Oct 10, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1747

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

I am renting now between homes, as I have done before and much prefer to own. The last home I had built, I lived in15 years. After adding up what I paid, and what I put in for maintenance, and adjusting for inflation, and subtracting closing costs, I still netted more than those costs. So basically...
by Sunny Sarkar
Fri Oct 10, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9709

Re: is anything 'cheap' out there?

Everything is correctly priced all the time. Didn't you guys get the memo? :oops:
by Sunny Sarkar
Fri Oct 10, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5686

Re: The more I research, the more confused I become... help!

One great option would be to invest your Traditional IRA in the Vanguard Life Strategy Moderate growth fund. It spreads your money across total US stock market, total international stock market, total bond market, and total foreign bond market - that's as much diversification as practically possible...
by Sunny Sarkar
Wed Oct 08, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: The more I research, the more confused I become... help!
Replies: 15
Views: 1500

Re: When people put all their eggs in the wrong basket

After I read Peter Lynch's "One up on wall street" (that was before I stumbled upon the old M* Bogleheads forum), I had convinced myself that the only correct way to invest was to put all my money into just a few stocks of companies whose products I like, and that the only way I'd get rich...
by Sunny Sarkar
Wed Oct 08, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28752

Re: Live Speakers You Enjoyed

Jack (of course!), too many to name from the TED talks, and (this is not a political thing) Barack Obama & Bill Clinton.
by Sunny Sarkar
Wed Oct 08, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Live Speakers You Enjoyed
Replies: 12
Views: 719

Re: Critically Acclaimed Movies you did not like

Being from India, I detest movies that project mindless stereotypes, cliches, and myths about India. Examples are:
Slumdog Millionaire, Indiana Jones and the Temple of the doom, Octopussy, the Seinfeld episode about an Indian marriage, etc.
by Sunny Sarkar
Tue Oct 07, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9090

Re: New 2% cash back Mastercard from Citi

Do you have the Fido card automatically paid from a checking account? I couldn't find a way to do it, and neither could the pleasant but uninformed person at Customer Support. That's strange. I've been using the auto-payments from checking and auto-redemptions into a Fido 529 for several years, and...
by Sunny Sarkar
Fri Sep 26, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32452

Re: Time to go back to cash and ditch the Credit Card?

I'm not going back to cash, but I'm making some changes because I find changing all the recurring charges over to the new card number terribly inconvenient... 1. Charge all recurring transactions to a separate new card that will never be used anywhere else. The Citi 2% MC arrived just in time. 2. Ch...
by Sunny Sarkar
Thu Sep 25, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3363

Re: When did you feel "Out of the Woods"?

Health care and Long term care in retirement gives me that unknown + unlimited hibijibis that I don't know if I'll ever get out of.
by Sunny Sarkar
Fri Sep 19, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5491

Re: My IPS in computer pseudocode

Surprisingly, even with a simple 3-fund portfolio like I am doing, you still cannot get all cases covered with a one page algorithm, especially if you want to be tax efficient. why not? tbm = if age>100 then 100, else age //tax-sheltered account tism = 20*(100-tbm) tsm = 100 -tbm -tism if currentbo...
by Sunny Sarkar
Thu Sep 18, 2014 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 2782

My LastPass evolution

My Lastpass evolution... Step 1: Record all website username/passwords as-is into Lastpass: 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 ...
by Sunny Sarkar
Thu Sep 18, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4512

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 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why I choose "The Majesty of Simplicity" for my signature
Replies: 42
Views: 17019

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 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are the benefits of a good credit score?
Replies: 16
Views: 1281

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 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32452

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 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32452

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 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32452

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 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: How exactly would you define market timing?
Replies: 67
Views: 2214

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 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32452

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 5:02 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2497

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 4:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Discover Free Checking + $50 sign up bonus
Replies: 1
Views: 595

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 4:40 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 32452

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 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16699
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