Search found 2371 matches

by Sunny Sarkar
Sat Jan 16, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: IPS, staying the course, and glad...
Replies: 9
Views: 837

Re: IPS, staying the course, and glad...

it is reasonable to have 10% of your investment funds available or invested in what I'll call "higher risk home run type investments." Jack Bogle's advice of having not more than 10% of portfolio in fun money, if you must, is often cited in this forum. But there is another piece of advice...
by Sunny Sarkar
Fri Nov 20, 2015 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for kid's college - use 529 or I-Bonds?
Replies: 6
Views: 467

Re: Bonds for kid's college - use 529 or I-Bonds?

Just found out Mel wrote about it in Forbes... There are income limits to this tax break. If the bond owner is married, he or she must file a joint return. The limits are adjusted each year, so you’ll want to make sure you have the current figures. (See the latest version of IRS Form 8815 for the MA...
by Sunny Sarkar
Fri Nov 20, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for kid's college - use 529 or I-Bonds?
Replies: 6
Views: 467

Re: Bonds for kid's college - use 529 or I-Bonds?

donaldfair71 wrote:
livesoft wrote:I thought I-bonds are not tax-free for college if one's income is too high.

That is true, but for me, my income is not too high.

How much is high?
by Sunny Sarkar
Fri Nov 20, 2015 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Bonds for kid's college - use 529 or I-Bonds?
Replies: 6
Views: 467

Bonds for kid's college - use 529 or I-Bonds?

Time flies. Six years to go, so it's time to start diluting her college funds with bonds. Should I do it by allocating future 529 contributions to bond funds, or stop contributing to 529 and buy I-Bonds in my name instead? What are the pros and cons? Bonds options in Vanguard 529 plan are: ⋅&nb...
by Sunny Sarkar
Mon Nov 09, 2015 10:47 pm
Forum: Investing - Theory, News & General
Topic: Please explain Mr. Market
Replies: 22
Views: 2407

Re: Please explain Mr. Market

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
Sun Nov 01, 2015 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question about HSA
Replies: 9
Views: 811

Re: Quick question about HSA

I have read the wiki page, but could not figure (1) if I can go with another administrator, or (2) if answer to #1 is yes, then what are the side effects.
by Sunny Sarkar
Sun Nov 01, 2015 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question about HSA
Replies: 9
Views: 811

Quick question about HSA

If I sign up for a high deductable insurance through my employer, do I have to open my HSA with the employer provided HSA administrator (like a 401k), or can I open it with any other administrator (like an IRA)?
by Sunny Sarkar
Sat Oct 31, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Helping others become like us...
Replies: 44
Views: 2854

Re: Helping others become like us...

I wouldn't presume to be better in any way just because I follow a certain investment philosophy that works for me - hence I think it's not my place to try to make anyone like me/us. I do however talk freely about my investment strategy when the topic arises, why I follow it, how satisfied I am with...
by Sunny Sarkar
Wed Oct 07, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Kiss Trust - anyone have experience with it?
Replies: 2
Views: 647

Kiss Trust - anyone have experience with it?

I came across this from an article in Investopedia. Looks like a low cost option with folks who need a simple low cost option. Anyone have any experience with it?

http://www.kisstrust.com/plansandpricing.htm
by Sunny Sarkar
Fri Sep 25, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Payment Tracker (Google Sheet - Email Reminders)
Replies: 22
Views: 1495

Re: Credit Card Payment Tracker (Google Sheet - Email Reminders)

I called my credit cards to change the billing cycles so that all of them have a payment date on the 1st of each month. Plus auto-pay is set up too.
by Sunny Sarkar
Tue Sep 22, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ups international to 40% of equity in 529 portfolios
Replies: 6
Views: 994

Re: Vanguard ups international to 40% of equity in 529 portfolios

sawhorse wrote:Did they explain why they're changing to a different TIPS fund?

No explanation. It was a pretty straightforward FYI kind of correspondence. It pretty much says here are the changes we're making and then at the very end it simply says, for more information visit vanguard.com/my529 - that's it.
by Sunny Sarkar
Mon Sep 21, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Building kid's credit history
Replies: 23
Views: 2055

Building kid's credit history

It seems that my credit card company reports the rolling balances for the secondary authorized card holders as well if their SSNs are provided. While this could be bad for the secondary if I mess things up, I was thinking this could also provide an avenue to start building the credit history for my ...
by Sunny Sarkar
Mon Sep 21, 2015 6:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ups international to 40% of equity in 529 portfolios
Replies: 6
Views: 994

Vanguard ups international to 40% of equity in 529 portfolios

Just received correspondence from Vanguard about the following changes to the Vanguard (NV) 529 Plan portfolios: ⋅  The old TIPS fund is replaced by the newer Short-Term TIPS Index fund ⋅  Dometic:International ratio changed to 60% TSM : 40% TISM for equities Not sure what to mak...
by Sunny Sarkar
Fri Aug 28, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.
Replies: 22
Views: 2900

Re: The Oft-Ignored Fact: Real stock returns were 2.2% from 1870-2015

Only Two Centuries of Data by William J. Bernstein http://www.efficientfrontier.com/ef/402/2cent.htm Thanks for pointing out this article. Reaffirms my belief that a balanced allocation, not an aggressive one, is not only safer choice but also a better choice as a long term investment strategy. Als...
by Sunny Sarkar
Thu Aug 27, 2015 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, where to start?
Replies: 13
Views: 1361

Re: New to investing, where to start?

roamingnome , welcome to the forum. Age: 25 Desired Asset allocation: 401k- 80% stock/20% bonds An AA of 80/20 is reasonable for your age. It's true that 80/20 is reasonable for your age... theoretically. Practically though for a new investor I'd suggest to start with a much more balanced asset all...
by Sunny Sarkar
Thu Aug 27, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7846

Re: Was about to change from 100% equity to 80%. Now what?

lee1026 wrote:Generally, when I get impulses like this, I have a hard rule - no changes in strategy is allowed when VIX is over 15.

My rule is to hear the audio book of Common Sense on Mutual Funds. It has always managed to calm me down into staying the course.
by Sunny Sarkar
Thu Aug 27, 2015 6:27 pm
Forum: Investing - Theory, News & General
Topic: Laughs for the Bogleheads, courtesy of the Onion [Jim Cramer]
Replies: 8
Views: 2570

Re: Laughs for the Bogleheads, courtesy of the Onion

Is there anything out there that tracked the performance of Jim Cramer's picks?
by Sunny Sarkar
Thu Aug 27, 2015 6:24 pm
Forum: Investing - Theory, News & General
Topic: Laughs for the Bogleheads, courtesy of the Onion [Jim Cramer]
Replies: 8
Views: 2570

Re: Laughs for the Bogleheads, courtesy of the Onion

linenfort wrote:Very funny :D I love the Onion.

+1 (especially their sarcastic twists on "controversial" social issues)
by Sunny Sarkar
Fri Jul 31, 2015 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 100
Views: 11207

Re: Could John Bogle Be Right About International Stock?

is there a possibility that John Bogle just might be right? "You quickly learn that when you disagree with the Sage of Valley Forge, you usually wind up cleaning egg off your face." - Bill Bernstein :sharebeer Context? Disagree with Jack Bogle about what, specifically? This quote specific...
by Sunny Sarkar
Thu Jul 30, 2015 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 100
Views: 11207

Re: Could John Bogle Be Right About International Stock?

spirogruf wrote:is there a possibility that John Bogle just might be right?


"You quickly learn that when you disagree with the Sage of Valley Forge, you usually wind up cleaning egg off your face."
- Bill Bernstein
:sharebeer
by Sunny Sarkar
Thu Jul 30, 2015 2:42 am
Forum: Personal Finance (Not Investing)
Topic: TIAA $150 bonus for their new Checking product
Replies: 6
Views: 793

Re: TIAA $150 bonus for their new Checking product

livesoft wrote:And USAA has a $300 bonus active at the moment for a new checking account with 2 direct deposits in 90 days of at least $250 each.

Got a link to this offer? Open for everyone or only service members & family?
by Sunny Sarkar
Wed Jul 29, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 43996

Re: Free Windows 10 Upgrade, Yes or No?

The OS has become near irrelevant these days as it seems to do only one essential task - run a browser with wifi connectivity.

I'm happy with 7 (runs Chrome and doesn't crash often) on my 6+ year old AMD desktop that is connected to a TV, but going to try 10 just for kicks.
by Sunny Sarkar
Wed Jul 29, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA $150 bonus for their new Checking product
Replies: 6
Views: 793

TIAA $150 bonus for their new Checking product

TIAA Direct Interest Checking
$150 bonus when you make direct deposits of $2500 within 90 days.
Up to $15/month ATM fees refunded.

https://www.tiaadirect.com/public/banking/em/ckg1_150
by Sunny Sarkar
Tue Jul 28, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 14917

Re: Would you look down on a co-worker for driving a beater?

I do find myself looking up in appreciation on people who drive older cars that are very well maintained and look much much shinier than their age. There are a lot of expensive new junkyards being driven around. I think this factor does reflect something about the person, much more than the amount t...
by Sunny Sarkar
Mon Jul 27, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Apple Music
Replies: 9
Views: 977

Re: Apple Music

How does Apple Music compare to Amazon Prime Music and Spotify Premium ($9.99/month)?
by Sunny Sarkar
Sun Jul 26, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 11149

Re: Scott Burns – Don’t quit your day job.

In the past, stocks provided a good deal of their return as dividends. Many provided a yield of 4 percent. And the long-term average yield has been about 3 percent. Today, stock yields are lower than 2 percent. Assuming companies are not make any less profit compared to the 80s, if they do not give...
by Sunny Sarkar
Tue Jul 14, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 4157

Re: Credit Score Question - Credit Cards

As someone who has tried to figure out the credit score maze like a "bland man touching an elephant", I have come to the following conclusion... (1) Maintain 4 credit cards (2) Always pay on time (3) Keep all the cards active (4) Pay off nearly 100% of the current balance *before* statemen...
by Sunny Sarkar
Tue Jul 14, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Shouldn't riskier stocks have better returns?
Replies: 20
Views: 1558

Re: Shouldn't riskier stocks have better returns?

So the general rule of thumb is that any risk that needs to be taken and can't be eliminated through diversification should have a higher expected return the more the risk is. ... #1 performer - PKW - Buyback index ETF - concentrating on companies that are partaking in large amounts of share buybac...
by Sunny Sarkar
Sun Jul 12, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 75
Views: 5724

Re: Password Management

Most people I know who use Keepass sync across multiple devices using a cloud storage like Dropbox - and to me that felt less secure than storing everything in LastPass.
by Sunny Sarkar
Sun Jul 12, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 75
Views: 5724

Re: Password Management

I am hesitant to put passwords - which I consider the absolute most sensitive data - on my computer or in "the cloud." I use LastPass. The way it works, it keeps a locally (on the user's computer) encrypted blob of the passwords on the cloud in such a way that even LastPass wouldn't be ab...
by Sunny Sarkar
Tue Jul 07, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Car rental tip - go directly to the rental company
Replies: 14
Views: 2676

Re: Car rental tip - go directly to the rental company

I needed to rent a car recently, an SUV, to hold lots of stuff we were flying with. I went to Expedia and some other rental-consolidators to get prices. The cheapest any of them had was $150/day! On a whim I went directly to one of the rental companies, I think Budget. Getting it direct from them i...
by Sunny Sarkar
Tue Jul 07, 2015 6:13 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 161
Views: 17060

Re: TIPS - Did you give up?

I stayed the course with my TIPS allocation . Back in the days TIPS seemed like a good idea because they had low credit risk, negative correlation with stocks, and guaranteed inflation protection. Since then I think we have come to a collective conclusion that we don't really understand TIPS. So now...
by Sunny Sarkar
Tue Jun 30, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 31
Views: 3374

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: 48
Views: 6112

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: 4330

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: 886

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: 220
Views: 27326

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: 155
Views: 15089

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: 4053

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: 6709

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: 10283

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: 10283

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: 50
Views: 5220

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: 7167

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: 2429

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: 2429

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: 336

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: 864

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...

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