Search found 435 matches

by anoop
Sun Oct 22, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: FDs in India: Cut losses or a slow death?
Replies: 6
Views: 507

Re: FDs in India: Cut losses or a slow death?

I hate added paperwork, so my recommendation given your situation would be take the loss and convert it back to dollars. If you want to keep the money in India you can keep it there in dollars at a pretty favorable interest rate. This will make reporting the interest for tax purposes a lot easier an...
by anoop
Sun Oct 22, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: question about expense ratio, returns, and fund of funds
Replies: 3
Views: 122

question about expense ratio, returns, and fund of funds

I have two separate questions. For 401(k) plans, is it customary for the company providing the plan to report 1 yr/5 yr/LOF performance that is net of fees, or would it be before fees? If a fund is a fund of funds (most of the bond funds in my 401(k) are that way) and it has a certain reported expen...
by anoop
Sun Oct 22, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 26
Views: 1438

Re: Best no sweat athletic/work socks

This is my favorite https://www.tekoforlife.co.uk/ and my hands and feet both sweat a lot. So much that if I wear flip flops for a walk around the block, I'll be making squeaky sounds as I walk. The style I have does not appear to be available anymore, but it is similar to this one, just a different...
by anoop
Mon Oct 16, 2017 8:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 80
Views: 17619

Re: Sacramento, CA Area Chapter - Master Thread

tapotti wrote:
Mon Oct 16, 2017 8:29 pm
Hi all,

Had a question for the group

I live in Elk Grove.

I generally handle my own finances, but I'm looking for a tax advisor in the Sacramento area. Do any of you have any recommendations?

Thanks!
Try Yelp, if you haven't already done so.
by anoop
Sat Oct 14, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12173

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

This is one that of the most comprehensive articles that I have seen on market valuation.
https://www.advisorperspectives.com/dsh ... overvalued

It covers market valuation using several methods and also discusses the issue of low interest rates.
by anoop
Thu Oct 12, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12173

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

^ good point regarding rebalancing. But if that is what he meant he should have been more explicit. In my case I have been out of stocks since 2008, so this year I am expecting more than double the returns of last year and I expect that to rise even more next year, albeit not keeping up with inflati...
by anoop
Thu Oct 12, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6285

Re: Best Career Advice for those over "50"

The best advice I can think of after seeing a bunch of responses— Follow your own intuition. A lot of the ideas being floated here can lead to burnout and accelerate one’s exit from the work force. Instead of swimming upstream all the time and acting out of fear, follow your intuition and do things ...
by anoop
Wed Oct 11, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6285

Re: Best Career Advice for those over "50"

The key to survival in private industry after 50 is not to be easily replaceable by someone younger. In general, the reality is that companies don't want to hire or keep older workers unless they bring some value that can't be easily obtained from younger people. There are strategies for improving ...
by anoop
Wed Oct 11, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 1782

Re: I Bond fixed rate mystery

If there was any science to it, tipswatch.com would have covered it. https://tipswatch.com/tracking-inflation-and-i-bonds/ There does not appear to be. Previously I used to buy in May and November. Now, if the interest rate is positive in May I buy everything then. If zero, then I wait till November...
by anoop
Tue Oct 10, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12173

Bogle thinks markets are fully valued

https://www.thestreet.com/amp/story/14333626/1/stock-market-is-fully-valued-says-vanguard-s-bogle.html "I believe strongly that [investors] should be realizing valuations are fairly full, and if they are nervous they could easily sell off a portion of their stocks.," said Bogle, adding that investor...
by anoop
Wed Sep 20, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20258

Re: Iphone X is $1000

I understand the concern with the OS. I used to have a MacBook and I agree with the better performing of the OS and the machine in general. The point for me is that the brand is becoming more expensive than the performance and the results. And Apple to me is loosing the professional touch they used...
by anoop
Sun Sep 17, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20258

Re: Iphone X is $1000

Can I ask why ppl are so obsessed wth IPhone?"! I don't get it! It is a nice phone, with good specs etc etc...but to be hyped by the presentation of it and lining up on the stores even if it's $1000....don't get it! I don't care for the iPhone X, but I prefer iOS over Android any day (I have an iPh...
by anoop
Thu Sep 14, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

IMO, a credit freeze is overrated, unless you don't have a monitoring service. If you have a monitoring service, you get notified as soon as pull happens, so you can take immediate action if it wasn't legitimate. Regarding the insurance providing $1M in coverage for lost assets -- read up about it. ...
by anoop
Thu Sep 14, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

Couldn't you make the same argument for those who are freezing their credit report with Equifax? Besides, it's not as if turning down the credit monitoring will somehow reverse the damage that has already been done. My point is that the company is so poorly managed that buying any service from them...
by anoop
Thu Sep 14, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

I also signed up for Equifax credit monitoring on Tuesday and still haven't received an activation email either. It's not showing up in my spam folder either. Has anyone received this email yet? Do you really trust a company that had 2 whole months to prevent this attack and did nothing about it? h...
by anoop
Wed Sep 13, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

This is a useful answer, but far from enough. Beyond freezing credit files what else are you recommending? Certainly freezing your credit is "a" step to better securing yourself. I have not found any good recommendations beyond limiting the number of financial institutions you deal with and checkin...
by anoop
Wed Sep 13, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

So after reading what you wrote, I think my response still applies. I also adjust my withholding so that there is not much of a refund (not due to this breach but just as a general practice) so I guess that provides some inherent protection from a refund being stolen. It is a useful step, but far f...
by anoop
Wed Sep 13, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

Yes, I think your feelings towards the company is justified. From reading this thread it seems like the best course of action (in terms of preventing ID theft) is to place a security/credit freeze with 4 agencies. The security/credit freeze protects against only one small part of the damage that ca...
by anoop
Wed Sep 13, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

May as well concede defeat in terms of potential litigation and sign up for the $1,000,000 in fraud protection? It will only cover you for 1 year. After that you're on your own. The data will be available to malicious parties forever. If you sign up for it now, they will be hoping you will renew it...
by anoop
Wed Sep 13, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

3) My first inclination is to put my PIN numbers in Evernote, but that's probably not a good idea. Or maybe use some shorthand e.g. EF 452857 so it's not so obvious. Or just do it the old fashioned way and try to keep things offline/secure. Don't do this. If your Evernote account is hacked, you cou...
by anoop
Wed Sep 13, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

I don't ever remember granting Experian access to my SS# and personal info to begin with. Now that corrupt company sold my info and milllions of others to the dark web for millions of dollars worth of bitcoins most likely. I'm definitely joining a class action as soon as I see the option to sign up...
by anoop
Wed Sep 13, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 1998

Re: Potential downsides of placing a credit freeze?

People are worried about credit freezes, but the real concern should be accounts being taken over. http://www.itnews.com/article/3223232/data-breach/what-is-the-biggest-threat-from-the-equifax-breach-account-takeovers.html What’s more likely is that stolen information will be used to take over exist...
by anoop
Wed Sep 13, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

I use a prepaid cell phone. Who knew I was ahead of the curve. Good luck hackers calling Verizon to port my number. :P That's what I wanted to do as well, but I found that you lose key features with a prepaid plan like wifi calling (deal breaker because I have poor cell phone signal at home) and vi...
by anoop
Wed Sep 13, 2017 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

At this point, I think everyone should assume that their full personal information is either already circulating on the dark web, or will be very soon. There's just no real incentive for companies to protect the information, and once it's out there, it circulates forever. Monitor your credit report...
by anoop
Wed Sep 13, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 1998

Re: Potential downsides of placing a credit freeze?

Does a credit file freeze actually work if the malicious entity has all of your personal information? You get a PIN to unfreeze the credit file, but what happens if someone calls in and says they've forgotten the PIN? [I see it takes paperwork to get that done so may be harder.] The stolen informati...
by anoop
Wed Sep 13, 2017 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2711

Re: Strategy for smartphones.

I am a committed Android user. I bought a top of the line Google pixel 11 months ago. Today it failed miserably. I went to the Verizon store and they ordered a replacement for me. The warranty is 12 months. That would include if this replacement won't work within that 12-month period , veterans ano...
by anoop
Sat Aug 05, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 276
Views: 39335

Re: Retreat to cash

So if it's discretionary/not needed/play money, why bother investing if it making you nervous? Discretionary money should be for enjoyment - invest it in fun theories, go on vaca, buy a toy, YMMV. Part of "investing" is not losing the "investment" regardless of being Discretionary or not. see notes...
by anoop
Sat Aug 05, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 276
Views: 39335

Re: Retreat to cash

patrick013 wrote:I can't decide either.....

One advisor says get in while you still can, the other one says
valuations can't get much higher. One even predicts the DOW
at 25,000. I remember what happened the last time someone
predicted that.
My prediction is that it will go to 100,000, maybe even 1,000,000.
by anoop
Thu Jun 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 512

Re: storing loyalty/membership cards digitally?

I was in the same boat when I retired 10 years ago. Most of them just disappeared I think. I used very few of them. I have over 500K miles left on AA but I have no plans to fly them. Every 18 months I donate a few miles to keep rest active. I'm pretty sure I had about that many UA miles when they e...
by anoop
Thu Jun 22, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 512

Re: storing loyalty/membership cards digitally?

which is redundant bc the app works and holds your info for the most part anyways. The problem for me is I have too many of them and I don't really use them. There was a time when I used to travel a lot but not anymore. So I don't have or want apps from any of those companies. I just hold on to the...
by anoop
Thu Jun 22, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 512

storing loyalty/membership cards digitally?

I have a bunch of cards for airline, hotel, and rental loyalty programs. I don't really have a need for them -- I have all the membership info in a document and the just keep the cards in a stack in a card wallet. I also carry a bunch of membership cards with me all the time -- AAA, Car Club, health...
by anoop
Mon Jun 12, 2017 3:07 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 16117

Re: Bogle Doubles Down on US Index Funds

Maybe he means that US businesses will take over the world and eventually put all the others out of business. :D Since the number of public companies in the US is shrinking: http://politicalcalculations.blogspot.com/2016/09/the-shrinking-us-stock-market.html they will eventually start going internat...
by anoop
Wed Jun 07, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Going from cash to equities now?
Replies: 47
Views: 4811

Re: Going from cash to equities now?

I'm sitting on almost all cash and individual treasuries and have been doing so since 2008 (before the crash). I have gone back and forth about investing in stocks but have decided against it. There are too many weirdnesses about the current recovery that bother me. The field I work in has been goin...
by anoop
Tue Jun 06, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 10179

Re: Worth it to buy expensive clothes?

Do people think this is too extravagant, or is it worth it to buy quality? Paying a lot does not mean you are getting quality. It is very hard to tell when you're getting quality. 99% of the time one is just paying for the brand. If you are truly paying for quality, it is worth it. How to know if y...
by anoop
Sun Jun 04, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 276
Views: 39335

Re: Retreat to cash

TheTimeLord wrote: Like I posted in another thread the fear is palpable here in the last couple weeks.
Did I hear fear? Maybe it's time invest then. ;-)
by anoop
Sun Jun 04, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 2194

Re: What is the best way to invest for cash flow?

If you are willing to invest some time, I hear there is nothing like real-estate. Between depreciation and deducting various expenses, you can generate what literally amounts to tax free income.

There is risk -- you may buy a lemon, end up with really bad tenants, etc.
by anoop
Sun Jun 04, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 104
Views: 8192

Re: Flying first class, business, versus economy.

If you can afford it, do it!

And while you're at it, don't forget to use the private terminal.
https://www.theguardian.com/world/2017/ ... elebrities

Expect to see more of these (and not just in the travel sector) as the wealth gap widens.
by anoop
Sun Jun 04, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1901

Re: New laptop needed, any ideas?

In all honesty, I think this is an irrational fear and even if it is a rational fear, then I think your solution is irrational. Just curious, what are you afraid of happening? And I can promise you, even if google doesn't have your info, someone else will. It's just fear of having my privacy violat...
by anoop
Sun Jun 04, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1901

Re: New laptop needed, any ideas?

My 7 y/o HP is going downhill and I'm in the market for a quality new one. I've been looking at a Lenovo thinkpad so far from reviews I've read. I guess I'm a typical user and just need something for data/files storage, streaming/surfing the web, and microsoft office applications. I'm wanting to ke...
by anoop
Sun Jun 04, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 276
Views: 39335

Re: Retreat to cash

Tycoon wrote:I've got no evidence, just intuition, but it's my belief that marge-g is not alone and there is a ton of cash sitting idle just waiting for ?????.
How can you have a ton of cash sitting idle? For every seller, there is a buyer.
by anoop
Wed May 31, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 6084

Re: Do I deserve it? [A new car]

Hello All, hope everyone had a nice 3 day weekend. Little background about me. 25, single no kids, never bought a new car, (drive an 06 ford taurus 135k miles) recent graduate, no debt (living at home), 6 months emergency funds, and roughly 100k in vanguard. Since graduating I landed a job which pa...
by anoop
Thu May 25, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 9211

Re: When does Saving become missing out on life?

As long as one is healthy, the scrimping model works. If one loses one health, that's when the model falls apart completely. One finds that the $20/month that one saved pales in comparison to the kind of money healthcare companies will get from you, with or without insurance. I recently had a test a...
by anoop
Wed May 24, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 5010

Re: How to buy (or invest) into Bitcoin?

I would recommend going through this presentation (starting slide #77 and on).
https://www.usenix.org/sites/default/fi ... erlman.pdf

It mentions many of the pitfalls of bitcoin, which, somehow, people don't seem to care about.
by anoop
Tue May 23, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 54
Views: 7938

Re: Is it worth it spending money to keep your house looking sharp?

Why do you care what others think? If you care about it, that is all that really matters. The same is true for cars and most other durable goods. Some people wash and detail their cars regularly, some will wash it once a month, and some don't have a schedule for washing/cleaning it. Some will get ev...
by anoop
Mon May 22, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4048

Re: Rice Cooker

Am using an Aroma - $20 on sale at Target. Use it for steaming veggies alone or with rice. It steams shrimp too. Haven't tried Shrimp Grits; Grits in the pot and shrimp in the steam tray. Anyone tried this, with cheese ? Am so pleased with the inexpensive Aroma that I am considering one of the $200...
by anoop
Mon May 22, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4048

Re: Rice Cooker

Always buy a lot larger than you think you need--at least 6-8 cups cooked for a single measure of rice. Most rice cookers have a min recommended amount. So if you want 1 cup and have an 8 cup cooker, it will not cook it properly. IME, most of the cookers recommend cooking no less than 1/6 of what i...
by anoop
Sun May 21, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 5877

Re: At what point to buy new car for safety

The overall driver death rate for all 2011 and equivalent models during 2009-12 was 28 deaths per million registered vehicle years. The overall driver death rate for all 2002 and equivalent models during 2000-03 was 87 deaths per million registered vehicle years. http://www.iihs.org/iihs/topics/dri...
by anoop
Sun May 21, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4048

Re: Rice Cooker

BTW, as an aside, I recently found a partially milled brown rice that I like a lot. It has the taste and texture of white rice but comes with the benefits of brown rice. Which one? For some reason most brown rice I have tried cooking tastes rancid. It's called Sukoyaka Genmai. It's a bit expensive ...