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by Sunny Sarkar
Sat May 23, 2015 7:01 am
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 5
Views: 394

Re: The Three Fund Portfolio

This might be a stupid question, so please bear wih me as I am a new investor. I understand the concept of the lazy three fund portfolio however how would I be able to accomplish this, when I have my 401k with Wells Fargo and my Roth IRA with vanguard, along with two separate funds with vanguard? T...
by Sunny Sarkar
Fri Apr 24, 2015 9:23 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4736

Re: Who follows Age in Bonds

In my 30s, I was 50/50 and then as I learned I gradually was 60/40 for many years. Relative to your age, You need to be conservative in your 30s because you need to make a down payment for a home soon. You need to be conservative in your 40s because you need to pay for college soon. You need to be ...
by Sunny Sarkar
Fri Apr 24, 2015 9:13 pm
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 2782

Re: International Stock Poll: Emerging vs Developed Ratio

I heard Jack say this in the context of his 20% max international allocation that he gets asked about in every Bogleheads reunion (paraphrased)... If you want to bet on international, bet on emerging markets. Half (of international allocation) in emerging markets and half in developed markets is rea...
by Sunny Sarkar
Fri Apr 24, 2015 9:05 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 13
Views: 3056

Re: Jack Bogle books at 50% discount for Bogleheads

I can honestly say that reading Bogle on Mutual Funds changed by life.
My first trip to the Bogleheads reunion, I got the cover signed by Jack - one of my favorite things :sharebeer
by Sunny Sarkar
Fri Apr 24, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4441

Re: Peter Bernstein's 60/40 solution

Peter Bernstein's 60/40 article is one of my all time favorites. I wouldn't summon the temerity to judge him for changing over to active trading, but it's sufficient for me to know that whatever he's doing I'm not smart enough to risk. At one point in my investing life so far I realized how powerful...
by Sunny Sarkar
Fri Apr 24, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3084

Re: Who still have Cable TV?

We cut cable 3 years ago. I have a dedicated Windows7 desktop hooked up to the TV via HDMI and a Logitech K400 wireless keyboard/touchpad on the couch. I also get very good over the air local channel reception here in flat land Dallas with a Mohu Leaf internal antenna. The only channel that still re...
by Sunny Sarkar
Wed Apr 15, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 41113

Re: What are you up YTD?

jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD
by Sunny Sarkar
Wed Apr 01, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Use work phone as primary phone?
Replies: 13
Views: 699

Re: Use work phone as primary phone?

My company has a nice transparent policy about using work phone for personal use - if you opt in, you pay $100 per year. Very fair IMO.
by Sunny Sarkar
Mon Mar 30, 2015 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3163

Re: Reorganizing credit cards and accounts

I'm getting back 2.9% on my Hyatt card for the rooms I'm booking in Hawaii this fall (5.8% at restaurants, 25.4% at the Hyatt property I'm staying at in NOLA in May). Do you mind explaining the calculations behind those high %s? I stay in Hyatt hotels frequently on business travel, so 5.8% and 25.4...
by Sunny Sarkar
Sun Mar 29, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4566

Re: Best laptop under $1000

Whatever you choose, please make sure it has a SSD (Solid State Drive) in it. It makes a **HUGE** difference in the performance. CPUs and Memory in modern laptops/PCs are almost too much for general usage - it's I/O that's the bottleneck, and SSDs address exactly that. My home desktop with a Celeron...
by Sunny Sarkar
Tue Mar 24, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 13666

Re: Restaurant tipping

Let's say you are eating at a good restaurant, what do you normally leave as a tip? Last night we had dinner out and the service was only so-so.....slow, got my dinner before my wife, no refill of water glasses, etc. Not awful but not great. I left 15% but wanted to leave less. My wife believes the...
by Sunny Sarkar
Mon Mar 16, 2015 4:46 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 24
Views: 3417

Re: The Permanent Portfolio as an accumulation portfolio

All back-tested models are period dependent.

Permanent Portfolio looks good only when gold does well versus the stock market. The enthusiasm for it vanishes abruptly on years like 2014.
by Sunny Sarkar
Mon Mar 16, 2015 4:40 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13443

Re: John Bogle's Don't Peek Challenge

Bill Bernstein article explaining why peeking is bad... Of Risk and Myopia.

It's darn hard to play the game but not look at the scorecard.
by Sunny Sarkar
Tue Mar 03, 2015 10:54 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22701

Re: International increase in Target Retirement & LifeStrate

Vanguard announced it will increase the international equity and fixed income allocations for Vanguard Target Retirement Funds and Vanguard LifeStrategy® Funds to offer investors enhanced global diversification. ...and in a related move, Vanguard is also renaming the Vanguard LifeStrategy® Funds to...
by Sunny Sarkar
Fri Feb 27, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 12451

Re: What is your favorite consumer product?

$1200 Panasonic ST60 Plasma HDTV - amazing picture quality, now discontinued and very much missed $200 Samsung Chromebook - lightweight, fast, and used much more often than the other Wintel i5 and i7 rigs in the the house $99 Moto E phone with $10/month unlimited talk/text from Republic Wireless - b...
by Sunny Sarkar
Mon Feb 23, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5492

Re: Who's going to Disney this summer?

Been there several times. Mostly stayed in Kissimmee and drove in. Stayed in one of the cheaper Disney "resort"s last time. They bused us from the airport and also had buses to and from the hotel to the park all day - that was very convenient. The rental car and parking savings was a decen...
by Sunny Sarkar
Sat Feb 21, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3949

Re: Thoughts on replacing tires?

There are some things that save us a modest amount of money, but are really not worth the effort in the end. My experience is that tire shopping is one of them. I've tried them all - from online to dealer - and found out that just getting the best tire for the budget from Costco (or Sam's Club) is t...
by Sunny Sarkar
Mon Jan 19, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12927

Re: What's Your International % and Why?

20% of equities (because Jack Bogle said so)
by Sunny Sarkar
Wed Dec 10, 2014 6:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3302

Re: Vanguard Wish List

I'd love Vanguard to provide checking and credit card services comparable to Fidelity Cash Management Account and Fidelity 2% cash back cards. Currently VanguardAdvantage cash management services are available for free only to the 3 comma club, and there are no credit card offerings. I wish Vanguard...
by Sunny Sarkar
Sun Nov 23, 2014 8:14 pm
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 8139

Re: Dog food - how cheap is too cheap?

Thanks everyone for chiming in. My (small) dog had trouble with bowel movement (constipation) when fed Blue Buffalo basics and Iams chicken & barley - both of them "low grain" and well rated by the dog food advisor site linked above. On the other hand, he did fine with Science Diet, Hi...
by Sunny Sarkar
Sat Nov 22, 2014 4:02 pm
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 8139

Dog food - how cheap is too cheap?

Went down recently from the usual Petsmart stuff (Science Diet) to Walmart stuff (Pedigree) for the dry kibbles. It's about one third the price, but I'm feeling some guilt and wondering if I'm doing any harm to this 2 y.o. family member (he seems to like the cheaper stuff better). I don't know anyth...
by Sunny Sarkar
Fri Nov 21, 2014 11:17 pm
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 31
Views: 3907

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 11:10 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25952

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 10:56 pm
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3631

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 10:53 am
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 3306

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 14, 2014 2:53 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 20496

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
Thu Nov 13, 2014 10:55 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5386

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
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: 5365

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
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: 13406

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
Sun Nov 02, 2014 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 77666

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
Sat Nov 01, 2014 7:04 pm
Forum: Investing - Theory, News & General
Topic: 5 things you don't know about Vanguard
Replies: 21
Views: 4797

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 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: 11517

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
Mon Oct 20, 2014 11:19 am
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2183

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
Fri Oct 17, 2014 8:25 am
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 2184

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
Thu Oct 16, 2014 8:05 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5786

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 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: 16247

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 12:42 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 747

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
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: 2652

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
Sun Oct 12, 2014 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1357

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
Sat Oct 11, 2014 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1357

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 12:06 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 11060

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 10:44 am
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 14589

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 10:19 am
Forum: Personal Finance (Not Investing)
Topic: "The Most Serious Threat When Using Credit: You"
Replies: 21
Views: 1387

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 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2624

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 7:18 am
Forum: Personal Finance (Not Investing)
Topic: "The Most Serious Threat When Using Credit: You"
Replies: 21
Views: 1387

"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
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: 1151

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 10:45 pm
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 19859

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 ...

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