Search found 2382 matches

by Sunny Sarkar
Thu Apr 28, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Financial Impotence - difficulty living below means
Replies: 14
Views: 1323

Re: Financial Impotence - difficulty living below means

Unfortunately, this article has been discussed already and locked as being OT: https://www.bogleheads.org/forum/viewtopic.php?t=189553 In my humble opinion, unless our forum wants to characterize the whole field of behavioral finance as other peoples' stupidity, we should not block these kind of co...
by Sunny Sarkar
Thu Apr 28, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Financial Impotence - difficulty living below means
Replies: 14
Views: 1323

Financial Impotence - difficulty living below means

There is an article on The Atlantic that challenges our general opinion on this forum that living below our means is a choice. It talks about how many Americans despite making a middle class income (even upper middle class income) are not being able to make ends meet. It puts the price tag of being ...
by Sunny Sarkar
Fri Apr 01, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 14
Views: 1685

Re: Cordcutters - Playstation Vue

A short Sling TV review: Cord cutter here for almost 5 years now - over the air channels plus netflix. Recently added Sling TV sports package to watch international soccer and cricket. Good price, but terrible streaming quality - constantly goes down to low resolution and buffering. Never HD. Not ha...
by Sunny Sarkar
Wed Mar 30, 2016 9:24 pm
Forum: Investing - Theory, News & General
Topic: No Intl. DM, Just Intl. EM? [International Developed Markets, Emerging Markets]
Replies: 23
Views: 1806

Re: No Intl. DM, Just Intl. EM? [International Developed Markets, Emerging Markets]

higher expenses to gain exposure abroad... Regarding the cost drag of emerging markets, there's much much more beyond the usual suspects... The bad news is that if a nation’s economy grows at x% per year, per-share earnings and dividends do not also increase at x% per year—they increase at (x% - y%...
by Sunny Sarkar
Sat Mar 19, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 25195

Re: Don't understand nutrition and exercise

Every time I try to learn about proper nutrition and exercise, I get overwhelmed by the amount of conflicting information online. ... Please let me know what I can do to improve and stay motivated. After a lot of peer reviewed opinions, I've arrived at the following: 2-step health policy statement ...
by Sunny Sarkar
Wed Mar 16, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 2459

Re: Dallas Metro Area

I live in Flower Mound. When you asked about less expensive areas, did you mean for renting or for buying? If renting apartments, Flower Mound has very limited choices and can be expensive, but there are multiple cheaper options close by within less than 5 miles in Lewisville. p.s. Please IM me if y...
by Sunny Sarkar
Wed Mar 02, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4330

Re: Mac laptop vs. Windows 7 (or 10) laptop

Hello all, My sister is in the market for a new laptop. it will only be used for web surfing, e-mail, and light tasks (Word, a little Excel, that's about it). She asked my opinion, and while I like Apple products, I don't really see the point in spending $900 and up for a Mac laptop. Just got a use...
by Sunny Sarkar
Wed Mar 02, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: What is John Bogle's best book?
Replies: 25
Views: 2817

Re: Two Recommendations

About to dive into Bogle's writings. What is his best book? I'm sure they are all amazing. But which one changed everything for you? (I've heard "Enough" is pretty thought provoking.) Furthermore, what is your favorite investing book of alltime? neomutiny: I own all of Mr. Bogle's books a...
by Sunny Sarkar
Fri Feb 26, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Discover or AmEx for extended warranty & purchase protection?
Replies: 7
Views: 848

Re: Discover or AmEx for extended warranty & purchase protection?

Is there any general difference between the extended warranty offered by Discover and AmEx - like one for a longer time than the other, or one covers accidental damage and the other doesn't, etc.? Or are they about the same on the surface?
by Sunny Sarkar
Fri Feb 26, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Discover or AmEx for extended warranty & purchase protection?
Replies: 7
Views: 848

Discover or AmEx for extended warranty & purchase protection?

Which card has the best extended warranty, purchase protection, etc.? Any personal experiences with claims with either? My intention is to maintain one card for the purpose of purchasing electronics and such that could benefit from these features.

Best wishes,
Sunny
by Sunny Sarkar
Wed Feb 24, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: "The 60/40 Portfolio Mix is Dead in 2016"
Replies: 36
Views: 5608

Re: "The 60/40 Portfolio Mix is Dead in 2016"

I wouldn't have the temerity to contradict giants like Malkiel and Ellis - probably I just don't understand some things which is obvious to them - so can someone please explain to me why this is not market timing, or, if it is, why market timing is suddenly cool?
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: 896

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: 523

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: 523

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: 523

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: 2508

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: 882

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: 882

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: 3087

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: 695

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: 1585

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: 1030

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: 2159

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: 1030

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: 2937

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: 1380

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: 8136

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: 2601

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: 2601

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: 11781

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: 11781

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: 821

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: 526
Views: 57853

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: 821

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: 15899

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: 1000

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: 11507

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: 4224

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: 1608

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: 6143

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: 6143

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: 2789

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: 169
Views: 20061

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: 3530

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: 6580

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: 4483

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: 946

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: 28442

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....

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