Search found 281 matches

by sharukh
Mon Jul 20, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19244

Re: Pandemic buys that have improved quality of life?

Just dance app
Electric water kettle
by sharukh
Fri Jul 03, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Suggest Video games that make you and your kids sweat
Replies: 9
Views: 667

Re: Suggest Video games that make you and your kids sweat

Just Dance. -endthread. My 9 year old daughter's friend showed it to her, and she begged me to get for the Nintendo Switch. I grudglingly relented, thinking she'd play it for a single week and then never touch it again. In a single month she racked up 100+ hrs (!!!) of it during Covid time. I didn'...
by sharukh
Thu Jul 02, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Suggest Video games that make you and your kids sweat
Replies: 9
Views: 667

Re: Suggest Video games that make you and your kids sweat

Just Dance. -endthread. My 9 year old daughter's friend showed it to her, and she begged me to get for the Nintendo Switch. I grudglingly relented, thinking she'd play it for a single week and then never touch it again. In a single month she racked up 100+ hrs (!!!) of it during Covid time. I didn'...
by sharukh
Thu Jul 02, 2020 4:27 pm
Forum: Non-US Investing
Topic: How to invest for Indian living in USA on H1 visa?
Replies: 27
Views: 4286

Re: How to invest for Indian living in USA on H1 visa?

To the OP ( sharuk) , From what I know about H1 visa, that is a temporary work authorization for a few years. Considering you are relatively new in the country and also are young, how have you managed to accumulate 500K ? I don't mean to ask for any personal details, but since this is a forum where...
by sharukh
Thu Jul 02, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Suggest Video games that make you and your kids sweat
Replies: 9
Views: 667

Suggest Video games that make you and your kids sweat

Hi,

I have heard of video games that connect to your TV.

Objective:
play video games that need physical movement of our body. This is something like physical exercise with fun to keep me and kids engaged in home during quarantine.


Please suggest what tools/items/devices to buy.

Thank you.
by sharukh
Thu Jun 04, 2020 5:39 am
Forum: Non-US Investing
Topic: How to invest for Indian living in USA on H1 visa?
Replies: 27
Views: 4286

Re: How to invest for Indian living in USA on H1 visa?

getting a 1 million term life insurance for you and your wife and name your children as beneficiary That's perfect solution for me. Never in my thoughts(ved poster also gave the same tip) associated that life insurance can help offset estate taxes. That's awesome. Thanks everyone. Were you able to ...
by sharukh
Tue Apr 28, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: is it possible to TLH too much?
Replies: 12
Views: 1228

Re: is it possible to TLH too much?

Let me give an alternate history and not a future scenario. That is, I am giving you my personal experience. Suppose you TLH more than $300,000 in losses back in 2008-2009 when you were in the 33% marginal income tax bracket. You deduct your $3,000 against ordinary income every year since. Without ...
by sharukh
Tue Apr 28, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: is it possible to TLH too much?
Replies: 12
Views: 1228

Re: is it possible to TLH too much?

May only if you live in NJ where losses are not allowed to carryover year to year. So down the future when you sell, you will have to pay NJ tax on the phantom gains you created for yourself. Not sure how to calculate if it is worthy to TLH more if one lives in NJ Can someone more math aware do the ...
by sharukh
Wed Apr 22, 2020 11:16 pm
Forum: Personal Investments
Topic: If you were 30... Fidelity Role Play
Replies: 21
Views: 1783

Re: If you were 30... Fidelity Role Play

Pick any choice, all are good.

Most important thing is to stay the course with your choice
by sharukh
Wed Apr 22, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Immature Investor and Lessons Learned
Replies: 28
Views: 3190

Re: Immature Investor and Lessons Learned

It didn’t matters what I have or lost in brokerage account.
A low balance in checking account kept me awake for many days.

Kept balancing the credit card bills, rent with any incoming money to ensure there was enough to meet the needs in cash was always on mind.
by sharukh
Wed Apr 22, 2020 2:19 pm
Forum: Personal Investments
Topic: ETFs or Indexed Life insurance
Replies: 36
Views: 1277

Re: ETFs or Indexed Life insurance

You are being sold a product that is probably not right for now. All the insurance company is doing inside the EIUL is investing in a bond portfolio, then using the interest to buy at-the-money call options while selling out-of-the-money call options. The result is the range from 0-12% (or 3-10, or...
by sharukh
Fri Apr 17, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: Pause cell service without losing number
Replies: 13
Views: 931

Re: Pause cell service without losing number

bryansmile wrote:
Fri Apr 17, 2020 2:03 pm
If your phone is compatible with Sprint, port the number to Tello. No need to buy any plan, just get a pay as you go balance and forget about it. I've been working from home for weeks and hardly used a dollar of my balance.
Thank you
by sharukh
Wed Apr 15, 2020 2:25 pm
Forum: Personal Investments
Topic: Vanguard vs Fidelity?
Replies: 7
Views: 854

Re: Vanguard vs Fidelity?

Vanguard to take advantage of automated bi weekly purchase. Not possible with etf
by sharukh
Wed Apr 15, 2020 12:26 pm
Forum: Personal Investments
Topic: VGT vs VTI
Replies: 43
Views: 3874

Re: VGT vs VTI

The kinds of risk you may possibly have to take are: 1. Get an extra college degree to improve earnings (you invest for college degree and May for kids extra care, note the choose of word invest as there is no guarantee of good returns with an extra college degree but the chances are high) 2. Look ...
by sharukh
Tue Apr 14, 2020 1:37 pm
Forum: Personal Investments
Topic: VGT vs VTI
Replies: 43
Views: 3874

Re: VGT vs VTI

The kinds of risk you may possibly have to take are: 1. Get an extra college degree to improve earnings (you invest for college degree and May for kids extra care, note the choose of word invest as there is no guarantee of good returns with an extra college degree but the chances are high) 2. Look f...
by sharukh
Sat Apr 11, 2020 7:43 pm
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 133
Views: 10349

Re: What single individual stock would you buy?

...I expect a lot of people to default to Berkshire, but come on is that really that much different than buying an index fund? Yes, it's completely different from buying an index fund. 1) Berkshire Hathaway is allowed to hold all of its assets itself, rather than having them held by an independent ...
by sharukh
Sat Apr 11, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: Am I being dumb ["standing and doing nothing"]?
Replies: 43
Views: 4017

Re: Am I being dumb ["standing and doing nothing"]?

Try to use balanced fund, so that fund can rebalance automatically for you.
by sharukh
Thu Apr 09, 2020 4:25 pm
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 140
Views: 10709

Re: If you have a sizable portfolio, you don't need an emergency fund

There have been many recent topics explaining why everyone needs an emergency fund and why it should never be intermingled with other investments. I disagree with that, and I did some analysis to show why. Many investors are better off without an emergency fund, instead investing all extra cash acc...
by sharukh
Wed Apr 08, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32760

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

I think a key difference in what livesoft does versus what appears to be a ton of others is that he is doing something that is correct. When stocks go down enough (even intraday) he sells bonds and buys more. When the stocks go back up enough (even intraday) he sells some and buys bonds. I thought ...
by sharukh
Tue Apr 07, 2020 9:19 pm
Forum: Personal Investments
Topic: Buying VTSAX vs VTI
Replies: 8
Views: 930

Re: Buying VTSAX vs VTI

Vtsax. It gives the free automatic buy you can use. You don’t have that for vti
by sharukh
Tue Apr 07, 2020 12:57 pm
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 41
Views: 2913

Re: How Boglehead philosophy guides home bias equities for US vs non-US

I am sorry to say but this advice seems to assume everyone who is outside of USA is living in a developed market where they can buy a global ETF cheaply. In India I have to do currency conversion which costs 0.6-1.1% depending on volume and also deal with the vagueness of how the global ETF is taxe...
by sharukh
Tue Apr 07, 2020 9:28 am
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 41
Views: 2913

Re: How Boglehead philosophy guides home bias equities for US vs non-US

I am sorry to say but this advice seems to assume everyone who is outside of USA is living in a developed market where they can buy a global ETF cheaply. In India I have to do currency conversion which costs 0.6-1.1% depending on volume and also deal with the vagueness of how the global ETF is taxe...
by sharukh
Tue Apr 07, 2020 7:05 am
Forum: Non-US Investing
Topic: Thanks Bogleheads for recommending International Investments.
Replies: 17
Views: 2109

Re: Thanks Bogleheads for recommending International Investments.

Why not 70% All world equity index + 30% All world bond index? Both hedged to RS? 1.Convenience of buying nasdaq in India in rupees 2. Low reporting over head for tax authorities 3. Total investment is not worth the cost of interactive brokers monthly maintenance charges Once the total investment s...
by sharukh
Mon Apr 06, 2020 5:43 pm
Forum: Personal Investments
Topic: Thinking About Adding some UPRO/TMF to Taxable Portfolio?
Replies: 16
Views: 1345

Re: Thinking About Adding some UPRO/TMF to Taxable Portfolio?

Please read the Wiki. From the Wiki, here is the Boglehead philosophy: 1. Develop a workable plan. 2. Invest early and often. 3. Never bear too much or too little risk. 4. Diversify. 5. Never try to time the market. 6. Use index funds when possible. 7. Keep costs low. 8. Minimize taxes. 9. Invest w...
by sharukh
Mon Apr 06, 2020 4:18 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11490

Re: Do you want to own the whole haystack when someone has a blowtorch?

Thus, these days, I put my mental work for alpha generation into illiquid, inefficient, private markets Can you please give examples of these. Thank you Private infrastructure (cell towers, EV charging stations, windmills), angel VC investing, macadamia nut farm, aqua culture. Thank you
by sharukh
Mon Apr 06, 2020 4:17 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12852

Re: I am a Massive Loser

1. Have an ips
2. You might benefit from a good low cost advisors
by sharukh
Sun Apr 05, 2020 10:39 am
Forum: Non-US Investing
Topic: [NL] iShares IWDA + EMIM vs Vanguard VWRL ?
Replies: 11
Views: 1136

Re: [NL] iShares IWDA + EMIM vs Vanguard VWRL ?

Vwra, one fund. Accumulating
by sharukh
Sat Apr 04, 2020 6:09 am
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11490

Re: Do you want to own the whole haystack when someone has a blowtorch?

watchnerd wrote:
Fri Apr 03, 2020 5:22 pm

Thus, these days, I put my mental work for alpha generation into illiquid, inefficient, private markets
Can you please give examples of these.
Thank you
by sharukh
Fri Apr 03, 2020 6:07 am
Forum: Personal Investments
Topic: Making best use of investment interest deduction
Replies: 1
Views: 545

Re: Making best use of investment interest deduction

Bringing this to attention as I am interested too.

Thanks
by sharukh
Mon Mar 30, 2020 10:03 pm
Forum: Personal Investments
Topic: Another way Edward Jones gets you
Replies: 43
Views: 4683

Re: Another way Edward Jones gets you

Just buy the target date fund in all the accounts.

Don’t even bother with vanguard pas.
by sharukh
Sun Mar 29, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: Buy call options for locking in current low prices for future monthly contributions?
Replies: 23
Views: 1678

Re: Buy call options for locking in current low prices for future monthly contributions?

Summarizing my learning: Due to high volatility: premium cost of options is around 10%. Options= leverage + downside protection. Current cost of leverage is around 2% . So downside protection cost is 8%. So, if the objective is to lock in the current price. The cheapest way to do so is to use levera...
by sharukh
Sat Mar 28, 2020 10:26 pm
Forum: Investing - Theory, News & General
Topic: Buy call options for locking in current low prices for future monthly contributions?
Replies: 23
Views: 1678

Re: Buy call options for locking in current low prices for future monthly contributions?

Looking at VTI (vanguard total stock market etf), which I would've thought to be a large and very liquid ETF, yahoo finance isn't showing very many open options contracts (which I think are 100 shares each?). You don’t want VTI. The market isn’t there. CRSP never really market their indexes to the ...
by sharukh
Sat Mar 28, 2020 9:01 pm
Forum: Investing - Theory, News & General
Topic: Buy call options for locking in current low prices for future monthly contributions?
Replies: 23
Views: 1678

Buy call options for locking in current low prices for future monthly contributions?

Hi, Call options had no obligation to buy but we can get to buy at current low price if the market goes up. Current behavior: I am not changing my AA. Stock to bond ratio. I am not moving in and out of stock market with the existing 3 fund portfolio. Current plan: buy monthly the standard 3 fund por...
by sharukh
Tue Mar 24, 2020 12:56 pm
Forum: Personal Investments
Topic: Move BND to VBTLX?
Replies: 9
Views: 798

Re: Move BND to VBTLX?

I recommend mutual fund for bonds. For stock either etf or mutual fund is ok
by sharukh
Mon Mar 23, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: What's cheap right now?
Replies: 33
Views: 3780

Re: What's cheap right now?

David Jay wrote:
Mon Mar 23, 2020 9:08 am
neilpilot wrote:
Mon Mar 23, 2020 8:56 am
I bought gas and it was $1.129 last weekend. I keep records, and that was less than any earlier fill up in the 150k miles since I bought my 2008 suv.
Don’t you wish you could get 100LL for that price?
http://thegalloncard.com/gas-prices-2/

HTH
by sharukh
Mon Mar 23, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: all value portfolio to gain better returns per Paul Merriman?
Replies: 9
Views: 456

Re: all value portfolio to gain better returns per Paul Merriman?

Market weight investing is the default. Any “tilt” away from market weight will guarantee under-or-over performance. Will value outperform in the future? Maybe. Will value underperform? Maybe. Here is my regular reply to any tilt (including a value tilt): “ You need to believe in your tilt enough t...
by sharukh
Thu Mar 19, 2020 11:01 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting and Vang Total World Stk Indx
Replies: 5
Views: 441

Re: Tax Loss Harvesting and Vang Total World Stk Indx

Is it a big deal to lose out on the foreign tax credit? Do you lose a lot if you value simplicity more? It is equivalent to the cost of an iPhone to me. I definitely value the foreign tax credit highly. Do you like to get a new iPhone every year for free ? :) It not much complicated over VT. I just...
by sharukh
Sat Mar 14, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: Apparatus for laundry in a small NYC apartment ?
Replies: 18
Views: 972

Re: Apparatus for laundry in a small NYC apartment ?

Nice to know that soap and dryer kills germs. I can choose to do laundry at late night to avoid interaction. How do you plan to wash larger things like bed sheets? We're in a similar situation, but I guess I figured that the laundry soap in the washing machine would kill germs. I would think but don...
by sharukh
Fri Mar 13, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Apparatus for laundry in a small NYC apartment ?
Replies: 18
Views: 972

Re: Apparatus for laundry in a small NYC apartment ?

drk wrote:
Fri Mar 13, 2020 10:35 pm
If you have a kitchen sink, you should be able to do laundry in that. Buy a drying rack for hanging things up afterward.
Yes, had done this in college days. Hard to bring myself to do this again.. well at least we got an option.

Thank you
by sharukh
Fri Mar 13, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Apparatus for laundry in a small NYC apartment ?
Replies: 18
Views: 972

Re: Apparatus for laundry in a small NYC apartment ?

Nice, That settles for the washing part.. Will look for something that assist to dry. Eyeing on this https://laundry-alternative.com/collections/drying/products/mini-countertop-spin-dryer-2 Thanks for the quick reply. I think that is big, not sure if building management will be ok with that. Somethi...
by sharukh
Fri Mar 13, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: Apparatus for laundry in a small NYC apartment ?
Replies: 18
Views: 972

Re: Apparatus for laundry in a small NYC apartment ?

Thanks for the quick reply. I think that is big, not sure if building management will be ok with that. Something like this would work. https://www.walmart.com/ip/ZENSTYLE-Portable-Compact-Wash-machine-10lbs-Washer-5-5-Wash-Capacity-4-4-Spin-Capacity/480442584?wmlspartner=wlpa&selectedSellerId=101005...
by sharukh
Fri Mar 13, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Apparatus for laundry in a small NYC apartment ?
Replies: 18
Views: 972

Apparatus for laundry in a small NYC apartment ?

Hi,

Our building has a shared laundry, which we are not comfortable to use now.

Any experience or tips for doing laundry at home without large dryer and washer?

I am ok with buying small devices that can ease the task. Large items to do laundry are not allowed by the building management.

Thanks
by sharukh
Wed Feb 19, 2020 9:45 am
Forum: Personal Investments
Topic: Convert VTSAX to ETF (VTI)-good idea?
Replies: 13
Views: 1000

Re: Convert VTSAX to ETF (VTI)-good idea?

Vanguard not properly doing a good job of keeping the cost basis
by sharukh
Sun Feb 16, 2020 4:51 pm
Forum: Personal Investments
Topic: Grappling with greediness
Replies: 44
Views: 9494

Re: Grappling with greediness

It seems like you have set yourself up for regret no matter what assets you hold. That is a losing proposition. People with high stock should be prepared for large drawdowns. People with low stock should be prepared for modest growth but lower volatility. If neither is acceptable to you and causes ...
by sharukh
Mon Feb 10, 2020 6:46 pm
Forum: Personal Investments
Topic: Best Robo Advisor Experience
Replies: 3
Views: 697

Re: Best Robo Advisor Experience

M1 finance
by sharukh
Mon Feb 03, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14724

Re: Books that changed your life

Winning the losers game
People skills
Why does he do that
average married dad
Obesity code
by sharukh
Tue Jan 07, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: discard 2009 tax return documents?
Replies: 46
Views: 4193

Re: discard 2009 tax return documents?

If you do back door roth

Keep a good record of the conversion if you intend to withdraw before 60 years age