Search found 2181 matches

Return to advanced search

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: 12
Views: 1310

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: 837

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: 46
Views: 2639

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: 2454

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: 1821

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: 9816

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: 64
Views: 6220

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: 6642

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: 2533

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: 52
Views: 7124

Re: Best way to cancel credit card

What worked for me was calling the 800 number behind the card, requesting to report the reason to credit bureaus as "cancelled due to customer request", and asking them to send me a written confirmation stating the cancellation reason in there. Also, while I have read in many places that c...
by Sunny Sarkar
Mon Mar 31, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to cancel credit card
Replies: 14
Views: 1531

Re: Spouses that struggle with budgets

So, those of you with spouses who are not as frugal as you. How do you go about the budget? Any tidbits you can share that can help me? I know a lot of this is psychology. For me, what worked was sharing clear reasonable financial goals and simple calculations showing how much we need to save each ...
by Sunny Sarkar
Mon Mar 31, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2265

Re: best tips for passwords?

Once you're using a password manager, why not make your usernames completely random too? You could, but if you're not reusing passwords, I'm not sure what it would accomplish. It will accomplish everything that a random password accomplishes, times two. ... Using random usernames isn't a bad thing ...
by Sunny Sarkar
Sat Mar 29, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8512

Re: best tips for passwords?

telemark wrote:
Sunny Sarkar wrote:Once you're using a password manager, why not make your usernames completely random too?


You could, but if you're not reusing passwords, I'm not sure what it would accomplish.

It will accomplish everything that a random password accomplishes, times two.
by Sunny Sarkar
Fri Mar 28, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8512

Re: best tips for passwords?

telemark wrote:once you're using a password manager, you might as well make your passwords completely random.

Once you're using a password manager, why not make your usernames completely random too?
by Sunny Sarkar
Thu Mar 27, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8512

Re: Anyone been to Singapore?

Sentosa Island
Compass Rose
Singapore Sling at Raffles
Japanese Garden
Bars at Boat Quay

These were my favorites when I lived there for a couple of years 15 years ago.
by Sunny Sarkar
Sun Mar 23, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 1726

Re: best cash back credit card

Yes it does. I had both & considered using the VISA instead of the flat 2% Amex, but reasoned that the 0.5% less cash back for the first $15k on the VISA is essentially equivalent a $75 annual fee. So I cancelled the VISA and kept the Amex. I don't think you can really compare it to a $75 annua...
by Sunny Sarkar
Thu Mar 20, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20453

Re: The Three Fund Portfolio ["Dry Powder" for Market Downtu

The "dry powder" is your bond portfolio. When markets go down, high quality bonds tend to go up - thus you sell high (bonds) to buy low (stocks) when you rebalance.
:sharebeer
by Sunny Sarkar
Sun Mar 16, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio ["Dry Powder" for Market Downturns]
Replies: 7
Views: 1249

Re: Simple Asset Allocation for Life

Your AA is great! It is simple, diversified, and low cost. The important question isn't whether the 20% SV is right or wrong (nobody knows), but whether you feel comfortable enough with the AA so that you are able to stay the course through the inevitable ups & downs. Most of the replies will fo...
by Sunny Sarkar
Sun Mar 02, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Simple Asset Allocation for Life
Replies: 8
Views: 1036

Re: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM

Jack's at #9 currently.

Come on guys, giddy up!
by Sunny Sarkar
Wed Feb 26, 2014 7:54 am
 
Forum: Local Chapters and Bogleheads Community
Topic: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM
Replies: 40
Views: 2046

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. The "use Lastpass as a create-complex-password-then-forget tool" strategy accomplishes 2 very important things: 1. sep...
by Sunny Sarkar
Sun Feb 16, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8512

Re: Boglehead quotes

Bill Bernstein wrote: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 Feb 14, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Boglehead quotes
Replies: 23
Views: 2102

Re: Boglehead quotes

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 deviations and all the other information available on the entire planet. It ...
by Sunny Sarkar
Fri Feb 14, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Boglehead quotes
Replies: 23
Views: 2102

Re: Rebalancing is automatic within Total Market Index Funds

How much of a benefit does one forgo when one uses a 3-Fund portfolio to invest in emerging and developed markets vs having a fixed allocation to emerging and developing markets and rebalancing periodically? RadAudit: Emerging Markets currently represents about 14% of Total International Index Fund...
by Sunny Sarkar
Mon Feb 10, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Boom, Bust, Repeat, Yawn
Replies: 58
Views: 5284

Re: What was John Bogle thinking?!

John B. Armstrong, a.k.a. John C. Bogle

?? :shock:
by Sunny Sarkar
Mon Feb 10, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: What was John Bogle thinking?!
Replies: 11
Views: 2723

Re: vacation to Disneyworld

We've done it a few times. Staying in one of the cheaper disney "resort"s seemed to be the optimal option. Didn't have to rent a car - they picked us up from the airport and provided buses to & from the "resort" to the parks - which is **extremely** convenient. The "reso...
by Sunny Sarkar
Mon Feb 10, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: vacation to Disneyworld
Replies: 23
Views: 1802

Re: Your mortgage type, if any [POLL]

Current loan is 15-year fixed at 3%. Started with a 30-year fixed 5.875% in 2008. Wanted a 15-year fixed, but chickened (first time buyer). As rates fell, refinanced 3 times in 5 years - no out-of-pocket costs, nothing added to principal. Keeping payoff target date 15 years from original/first loan ...
by Sunny Sarkar
Fri Feb 07, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3517

Re: Buffett widens lead in $1 million hedge fund bet

I'm not a fan of these kind of bets (Jack Bogle also had a 5-year bet some time ago if I remember correctly). Over 5 or 10 year periods, either side could simply get lucky, and the anecdotal performance numbers will mask the actual reasons to follow a low cost passive investment strategy.
by Sunny Sarkar
Wed Feb 05, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buffett widens lead in $1 million hedge fund bet
Replies: 2
Views: 673

Re: Credit Karma free credit score

How does FICO factor in closed accounts?
by Sunny Sarkar
Wed Feb 05, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Karma free credit score
Replies: 16
Views: 1608

Credit Karma free credit score

I just got my first real free FICO score from the Discover "it" card statement, and was surprised to see that it was more than 50 points higher than the free Credit Karma (not FICO) score :shock: They are both were based on the same credit bureau (TransUnion) and were calculated on the sam...
by Sunny Sarkar
Wed Feb 05, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Karma free credit score
Replies: 16
Views: 1608

Re: BoA Cash Rewards (1.5%+) Privileges VISA - worth a look?

I found this card interesting because it seems to have broken the 1.5% cash rewards ceiling for VISA cards.
by Sunny Sarkar
Wed Feb 05, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: BoA Cash Rewards (1.5%+) Privileges VISA - worth a look?
Replies: 14
Views: 1271

Re: Is 60/40 really the gold standard?

Peter Bernstein agrees that 60/40 is a great asset allocation. 60/40 also happens to be a helpful budgeting target - the idea is keep all fixed non-discretionary expenses below 60%... http://money.msn.com/how-to-budget/a-simpler-way-to-save-the-60-percent-solution-jenkins.aspx Needless to say, the ...
by Sunny Sarkar
Wed Feb 05, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 really the gold standard?
Replies: 35
Views: 5214

BoA Cash Rewards (1.5%+) Privileges VISA - worth a look?

Is this card worth a look? BankAmericard Privileges® with Cash Rewards Pros: * More than 1.5% cash back - highest cash back from any VISA card? > 1% cash back > 2% at grocery stores and 3% on gas > 50% bonus when redeemed into a BoA account * VISA network's wider acceptance Cons: * $75/year fee, wai...
by Sunny Sarkar
Tue Feb 04, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: BoA Cash Rewards (1.5%+) Privileges VISA - worth a look?
Replies: 14
Views: 1271

Re: Cost Analysis: Living in CA vs the South

FWIW: We moved from Ventura, CA (between LA & Santa Barbara) to Dallas, TX 6 years ago when our daughter was in Pre-K so that we could afford to buy a home and give her the stability to grow up in a community with friends she'd make as she grew up. We were apprehensive about the move at first (n...
by Sunny Sarkar
Tue Feb 04, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5511

Re: Keurig vs normal coffeemaker?

OP: K-cups are like bottled water - they're selling convenience, not coffee.
by Sunny Sarkar
Sun Feb 02, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6279

Re: Keurig vs normal coffeemaker?

Taylor Larimore wrote:I have a relatively new Keureg coffee maker and I love the convenience.

What? Taylor uses a $100 coffeemaker? :shock:
by Sunny Sarkar
Sun Feb 02, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6279

Re: Do you have a Savings Account?

No savings accounts here - I do not like the opacity of bank accounts re: what they are doing with my money (sub-prime mortgages or $5billion crazy bets). I use Short-Term Tax-Exempt (avg. maturity 1.2 yrs) - a tad riskier on paper, but at least the risks are mostly visible to make an informed decis...
by Sunny Sarkar
Wed Jan 29, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 4994

Re: What *INVESTMENT* books are you currently reading?

What *INVESTMENT* books are you currently reading?
None. I'm on step 3 of "How to Build Wealth, Ignore Wall Street, and get on with Your Life" :sharebeer
by Sunny Sarkar
Wed Jan 29, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: What *INVESTMENT* books are you currently reading?
Replies: 77
Views: 22855

Re: Fidelity 2% Amex Cardholders: Autopay the Bill?

Push autopay (using bank's bill pay / ebill) leaves the responsibility of paying on time with me and hence there's a small chance of charges. Pull autopay (using card's site to pull the money from the bank) is the card company's responsibility to make it happen on time. So I pull using Fidelity (FIA...
by Sunny Sarkar
Wed Jan 15, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex Cardholders: Autopay the Bill?
Replies: 31
Views: 2685

Re: The Arithmetic of "All-In" Investment Expenses -- Jack B

Bill Schultheis, author of The Coffeehouse Investor, also wrote a nice article a few years ago in one of his local Seattle publications on the same topic explaining how the various costs of active management add up and then compound over time. If someone has a pointer to it, please share.
by Sunny Sarkar
Fri Jan 10, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Arithmetic of "All-In" Investment Expenses -- Jack Bogle
Replies: 12
Views: 1901

Re: Investors beware... account security IS important!

So what can a poor little guy do about online security? 1. Secure email account: 2-factor authentication for the email account that's used for password recovery (best if separate from primary email account). 2. Secure online accounts: Different strong passwords for different sites. This makes using ...
by Sunny Sarkar
Mon Jan 06, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 7407

Re: What does a Bogle TV look like?

I like to splurge on things that I use a lot and hence get a lot of value for my money. TV, sofa, computer, and bed are prime examples. Last year I splurged $1500-ish on a Panasonic 60 inch ST series plasma TV after CNET wrote that it was so good that it's their highest recommendation ever. Sadly pe...
by Sunny Sarkar
Thu Jan 02, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 3937

Re: The Funniest Movie Ever

Office Space
by Sunny Sarkar
Thu Jan 02, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: Streaming to televison

I use a dedicated Windows 7 desktop connected to my TV with HDMI, and a simple USB wireless keyboard/mouse on the couch. Tried a lot of other streaming devices, but every one of them hit a wall sooner or later - either something that does not have an app or the app has horribly frustrating user inte...
by Sunny Sarkar
Tue Dec 31, 2013 9:54 am
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3217

Re: How much TIPS during accumulation phase?

Found this in the Vanguard whitepaper on TRFs... While the risk of inflation is prevalent throughout an investor’s life cycle, it’s primarily in the later stages that investors must focus on investment tools to provide some protection. This is because for investors in the accumulation stage, inflati...
by Sunny Sarkar
Tue Dec 31, 2013 12:28 am
 
Forum: Investing - Theory, News & General
Topic: How much TIPS during accumulation phase?
Replies: 74
Views: 4501

How much TIPS during accumulation phase?

Hello friends, I am struggling with understanding the role, and hence allocation, of TIPS during the accumulation phase of the investment life-cycle. In addition to a nominal bond fund like TBM, how much "direct" inflation protection from TIPS is necessary and/or appropriate during this ph...
by Sunny Sarkar
Mon Dec 30, 2013 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: How much TIPS during accumulation phase?
Replies: 74
Views: 4501
Next

Return to advanced search