Search found 2338 matches

by Sunny Sarkar
Tue Jun 30, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 24
Views: 1798

Re: Purchase '98 Toyota Camry?

I am absolutely convinced that generation Toyota Camry is the pinnacle of automobile reliability. I agree. I owned a '98 Camry and drove it until 198k miles - it didn't give any trouble whatsoever and was still running as smooth as ever. A friend whose brother is an auto mechanic bought it from me ...
by Sunny Sarkar
Mon Jun 29, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 43
Views: 3078

Re: can you recommend comfortable walking shoes?

I recently went to a custom fitter to find out what kind of arch support I need, and was very surprised to learn that I wear shoes which were a full size to a size & a half smaller than I what I need. The Asics Gel-Kayano 21 stood out after trying several Nike, Adidas, Brooks, and New Balance sh...
by Sunny Sarkar
Sun Jun 28, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 3650

Re: 2014 Lexus ES350

Is the premium price (compared to Hyundai/Toyota/Honda) worth it to you? I used to drive a 1998 Camry until I sold it at 198k miles. Loved it. Now I drive a 2007 ES350. Love it even more. My take is that the premium price of the Lexus is definitely worth it, but the Camry is good enough - i.e. the ...
by Sunny Sarkar
Fri Jun 26, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Best Way to Conduct Online Meetings?
Replies: 15
Views: 714

Re: Best Way to Conduct Online Meetings?

We've had very good experience with both WebEx and Skype for Business.
by Sunny Sarkar
Wed Jun 24, 2015 5:54 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19057

Re: What was the 2008 crash like in real time?

All I remember was Bill Bernstein's quote that - an accumulation phase investor like me "should get down on your knees" to hope for a "once in a lifetime opportunity" like this - ringing in my head every time the news got worse(r). All I did was re-balance using the 5% band rule....
by Sunny Sarkar
Thu Jun 18, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12471

Re: LastPass.com Breach

here's a decent comparison for people looking to decide http://lifehacker.com/lifehacker-faceoff-the-best-password-managers-compare-1682443320 Thanks for the link. I'm using LastPass for some time now - one of my favorite apps. Dashlane looks interesting too - does its free version sync across mult...
by Sunny Sarkar
Wed Jun 17, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Bands and Top 10 Movies
Replies: 30
Views: 3546

Re: Your Top 10 Bands and Top 10 Movies

Baraka
Office Space
Shawshank Redemption
Godfather (all 3)
Deer Hunter
Pulp Fiction
Usual Suspects
Philadelphia
Motorcycle Diaries
Killing Fields
Before Sunset

Pink Floyd
Eagles
Doors
Queen
Dire Straits
Clapton & all his bands
Boston
Simon & Garfunkel
U2
Radiohead
by Sunny Sarkar
Wed Jun 17, 2015 9:10 am
Forum: Investing - Theory, News & General
Topic: Sample Portfolio - Random Walk Down Wall Street
Replies: 60
Views: 6050

Re: Random Walk Down Wall Street -Portfolio Sample

Hi all, wanted to hear some comments on Burton Malkiel's newest portfolio suggestion for a 55 year old. This is from his latest edition of A Random Walk Down Wall Street: Mid Fifties Sample Portfolio STOCKS 55% U.S. - (27%) Developed - (14%) Emerging - (14%) REAL ESTATE 12.5% REITS BONDS AND BOND S...
by Sunny Sarkar
Wed Jun 17, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7835

Re: Best "All Around Lens" for Nikon DSLRs?

Thanks for all the info. If you are only carrying 1 lens, is there much difference between a 35mm and 50mm lens (assuming they are equally fast)? Which one is better for multipurpose use? Roosevelt. I vote for the 35mm. It is a "normal" lens on a 1.5x factor camera as it presents a perspe...
by Sunny Sarkar
Wed Jun 17, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7835

Re: Best "All Around Lens" for Nikon DSLRs?

May I suggest this ultra-portable pocket tripod, especially if you end up with a long zoom lens. I've had good fun using it on any flat surface like a table or the top of the car... http://www.bhphotovideo.com/c/product/1024719-REG/manfrotto_mp3_bk_pocket_tripod_black_for.html p.s. While I don't own...
by Sunny Sarkar
Mon Jun 15, 2015 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 44
Views: 3523

Re: Travel insurance - worth it?

Any insurance that is for an amount that will likely not wreck havoc on your finances is not worth it.
by Sunny Sarkar
Mon Jun 15, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6277

Re: Do I need to keep my landline number?

Ported our landline few years ago to an IP based home phone service which is free (we only pay $2 + change per month on taxes) after a one time equipment purchase fee upfront. Not sure if it will work during a black swan mass emergency event.

http://www.ooma.com/how-ooma-works
by Sunny Sarkar
Mon Jun 01, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1883

Re: Best way to learn tennis for adult

The key advice I got from Boglehead tennis players was "find a coach". In retrospect, can't agree more.
by Sunny Sarkar
Mon Jun 01, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1883

Re: Best way to learn tennis for adult

I started playing tennis last year. I had some racket sport experience earlier (table tennis and badminton), so it didn't feel completely wierd. I asked the good folks on this forum for tennis racket advice, signed up for private lessons, and after a couple of months I joined the local tennis league...
by Sunny Sarkar
Tue May 26, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contributions for spouse no longer working
Replies: 2
Views: 288

Re: Roth IRA contributions for spouse no longer working

Yes - my understanding is that you have the option of contributing to your non-working spouse's IRA as long as you file jointly. You can either contribute to a traditional IRA and take the tax deduction, or you can contribute to a Roth. Income requirements and contribution limits are the same regard...
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: 707

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: 5323

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: 3037

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: 3150

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: 4613

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: 3536

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: 335
Views: 43473

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: 721

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: 3261

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: 4702

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: 15062

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: 3522

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: 13980

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: 235
Views: 26491

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: 13063

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: 5934

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: 4349

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: 13471

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: 3371

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: 8281

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: 8281

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: 4076

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: 26330

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: 3718

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: 3367

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: 20604

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: 5457

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: 5557

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: 13600

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: 78204

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: 4824

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;...

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