Search found 2409 matches

by Sunny Sarkar
Fri Jan 01, 2021 10:22 am
Forum: Personal Consumer Issues
Topic: Bogleheads Cell Phone?
Replies: 78
Views: 5465

Re: Bogleheads Cell Phone?

Why does everybody automatically assume that a "Bogleheads Cell Phone" has to be the "cheap" or "budget"? It doesn't. Being a Boglehead doesn't mean being cheap - it means being smart about not spending our money on dumb things like mutual fund fees, and that does not e...
by Sunny Sarkar
Thu Dec 31, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15606

Re: Are Strong Passwords Really Necessary?

This piece of jester wisdom and Lastpass - together they changed my life. Long separate passwords are the answer.

Image
by Sunny Sarkar
Thu Dec 31, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: No Peeking - 2021 Goal to not look at balances
Replies: 94
Views: 5809

Re: No Peeking - 2021 Goal to not look at balances

There is actually data/evidence that no peeking leads to higher portfolio returns (someone please help locate Bill Bernstein's article on this from his archive on efficient frontier), plus the intangible benefits of reduced stress and enjoying life. There is also "evidence" that CAPE 10 i...
by Sunny Sarkar
Wed Dec 30, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: No Peeking - 2021 Goal to not look at balances
Replies: 94
Views: 5809

Re: No Peeking - 2021 Goal to not look at balances

No Peeking - 2021 Goal to not look at balances Really worthy goal. There is actually data/evidence that no peeking leads to higher portfolio returns (someone please help locate Bill Bernstein's article on this from his archive on efficient frontier), plus the intangible benefits of reduced stress a...
by Sunny Sarkar
Sat Jul 18, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining my Credit Score online (without "enrolling" in something)
Replies: 11
Views: 964

Re: Obtaining my Credit Score online (without "enrolling" in something)

Discover will give you a free real FICO 8 score based on TransUnion credit report even if you are not a customer...
https://www.discover.com/free-credit-score
by Sunny Sarkar
Sun Jun 28, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 102
Views: 11546

Re: Single Favorite Mutual Fund

Vanguard LifeStrategy Moderate Growth Fund (VSMGX) 42% Vanguard Total Stock Market Index Fund 18% Vanguard Total International Stock Index Fund 32% Vanguard Total Bond Market II Index Fund 08% Vanguard Total International Bond Index Fund Seven years later, are you happy with the performance of that...
by Sunny Sarkar
Sun Jun 28, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 102
Views: 11546

Re: Single Favorite Mutual Fund

Vanguard LifeStrategy Moderate Growth Fund (VSMGX) 42% Vanguard Total Stock Market Index Fund 18% Vanguard Total International Stock Index Fund 32% Vanguard Total Bond Market II Index Fund 08% Vanguard Total International Bond Index Fund Seven years later, are you happy with the performance of that...
by Sunny Sarkar
Sun Jun 28, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7889

Re: I'm Buying a Boat...

I'm Buying a Boat..
My condolences :wink:
by Sunny Sarkar
Fri May 08, 2020 5:47 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 3529

Re: IE, Chrome or Firefox, that is the question.

Another vote for the Brave browser on the PC (I don't like the mobile version as much). The inbuilt features are great.
by Sunny Sarkar
Tue Apr 28, 2020 7:47 am
Forum: Personal Investments
Topic: Fidelity Zero Funds = Best 3 Fund Portfolio
Replies: 52
Views: 7447

Re: Fidelity Zero Funds = Best 3 Fund Portfolio

While I'd be perfectly OK investing with low cost Fidelity index funds or other low cost options like iShares, etc., when I have the option to choose from all of them and Vanguard, my bias will always be towards Vanguard, because... Fidelity zero fund ERs are artificially lowered to get my business,...
by Sunny Sarkar
Tue Apr 28, 2020 7:27 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 3502

Re: What is a Boglehead? Some Fun.

who instead of taking a bus to work, runs behind it to save the fare; then realizes his mistake and looks for a limo next morning.
by Sunny Sarkar
Mon Apr 20, 2020 5:03 pm
Forum: Investing - Theory, News & General
Topic: "Two Days of Truth In 365 Days of Snake Oil"
Replies: 11
Views: 2099

Re: Scott Burns article: SPIVA report, managed funds, snake oil

Sunny Sarkar wrote: Sun Apr 19, 2020 2:07 pm [Thread merged into here, see below. --admin LadyGeek]
Dang it! @Taylor Larimore beats me at everything. I've absolutely got to take up sailing now.
by Sunny Sarkar
Mon Apr 20, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: "Two Days of Truth In 365 Days of Snake Oil"
Replies: 11
Views: 2099

Re: "Two Days of Truth In 365 Days of Snake Oil"

Fantastic!

p.s. A tad disappointed that my favorite investment company would not put such great content front and center on their site - and it'd fall on an obscure forum in some corner of the internet :-) to save the speeches with all that wisdom from its founder.
by Sunny Sarkar
Sun Apr 19, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Too soon to get another credit card?
Replies: 21
Views: 951

Re: Too soon to get another credit card?

Over the long term, the age of your oldest credit cards will affect your credit score quite a bit. So, if you get another one, I'd get one with no fees which I could hold on to regardless of whether I'm using it actively or not. Your first card, Discover, checks that box. Personally, I keep my old c...
by Sunny Sarkar
Sun Apr 19, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: "Two Days of Truth In 365 Days of Snake Oil"
Replies: 11
Views: 2099

Re: Scott Burns article: SPIVA report, managed funds, snake oil

I was looking for a link to a timeless speech/article by Jack Bogle called "Majesty of simplicity". Does anyone have a link to that (and to his other speeches like alpha and omega, & such)? Vanguard.com used to maintain a "bogle_site" where they used to be.
by Sunny Sarkar
Sun Apr 19, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: "Two Days of Truth In 365 Days of Snake Oil"
Replies: 11
Views: 2099

Scott Burns article: SPIVA report, managed funds, snake oil

[Thread merged into here, see below. --admin LadyGeek] Scott Burns, proponent of the "Couch Potato portfolio" (one-half U.S. stock market, one-half U.S. fixed income) published a new article with his take on the latest SPIVA report. Twice a year, we get to see just how poorly managed fund...
by Sunny Sarkar
Sat Apr 18, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 58
Views: 4530

Re: New laptop/desktop for [Work From Home]?

Another vote for Dell XPS 13.

It's not perfect (odd videocam position for the refurb model I bought), but it's simply awesome in function, form, aesthetics - you name it. Best laptop I've experienced, like it better than my Macbook Pro work/company laptop.
by Sunny Sarkar
Sun Apr 07, 2019 12:02 pm
Forum: Personal Investments
Topic: Heard Jack Bogle on NPR Freakonomics Radio today
Replies: 2
Views: 1098

Heard Jack Bogle on NPR Freakonomics Radio today

Miss that voice.

http://freakonomics.com/archive/ (today's episode not on the website yet).
by Sunny Sarkar
Wed Sep 20, 2017 9:43 am
Forum: US Chapters
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 15660

Re: Bogleheads you would most like to meet and why?

Taylor - for that hearty smile and the warm hug I get :-)
by Sunny Sarkar
Mon Sep 11, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 15659

Re: When calculating net worth, how do you value your house?

coinflip wrote: Wed Sep 06, 2017 8:24 am Do you use purchase price, appraisal value, property assessment, Zillow's Zestimate, or something else?
Not in favor of including primary home's equity in net worth calculation - can't sell part of the house to pay for an emergency. Gotta live somewhere.
by Sunny Sarkar
Fri Sep 08, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 78886

Re: Equifax customer information leak

After entering my information, it brought up a window telling me that I could enroll in the service they're offering on such-and-such a date. There was no explicit statement of whether my information had been impacted or not. They did tell me clearly that I was impacted. Maybe that means you're not...
by Sunny Sarkar
Fri Sep 08, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 78886

Equifax says info stolen. What's my best course of action?

[Thread moved into here, see below (Page 4). -- admin LadyGeek] The equifaxsecurity2017.com site said that I "have been impacted". What's my best course of action at this point? Have enough credit cards, but I'll be shopping for a mortgage around the end of this year. I'm assuming signing...
by Sunny Sarkar
Sun Jul 23, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 4938

Re: Commuters (that drive), what do you listen to?

NPR local station, NPR One, or my favorite podcasts (also mostly NPR). Once in a while switch to favorite music CDs.
by Sunny Sarkar
Tue Jun 13, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 8065

Re: How many tech devices do you have?

Have:
Laptop PC
iPhone
Chromecast
Apple TV (older version - don't need it, but the remote is a work of art)
Fitbit

Could easily get by with:
Chromebook
Chromecast
Cheaper andriod phone
by Sunny Sarkar
Tue Jun 13, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 2642

Re: Best windows based laptop

Dell XPS 13
by Sunny Sarkar
Sat Mar 25, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 62586

Re: USAA 2.5% Cash Back Credit Card

Switching to this card. 2.5% is best in the market.
Was using 2% Fidelity card & Citi double-cash.
by Sunny Sarkar
Sat Oct 22, 2016 8:51 am
Forum: Investing - Theory, News & General
Topic: Latest Jason Zweig article on DFA: Making Billions With One Belief: The Markets Can’t Be Beat
Replies: 21
Views: 5384

Re: Latest Jason Zweig article on DFA: Making Billions With One Belief: The Markets Can’t Be Beat

In the grander scheme of things, consistent savings and staying the course are a much larger determinant of investment success than the use of DFA or non-DFA funds to achieve portfolio factor load targets. This is precisely the reason I decided not to "tilt". My fear is I would "fall...
by Sunny Sarkar
Fri Aug 19, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Building kid's credit history
Replies: 29
Views: 4136

Re: Building kid's credit history

Do it! Your children will be thankful. As a young adult with a credit history that originates from my early teenage years, I benefit from an excellent FICO score despite (being fortunate enough to) not having installment loans or debt. OP following up here... She's 13 now, and just yesterday she re...
by Sunny Sarkar
Wed Aug 17, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 18911

Re: Are you on Facebook?

I grew up on the other side of the world, and people I care about are scattered all over the world geographically. I find facebook to be invaluable and indispensable tool for keeping in touch. Sure, the formula: "in-person > phone > email > social media" is true, but the magic of social me...
by Sunny Sarkar
Wed Aug 17, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5159
Views: 973457

Re: What's Your Credit Card Rewards Strategy?

The more I look around investment options, the more I gravitate towards one simple index fund of funds.
The more I look around CC reward options, the more I gravitate towards one simple 2% cashback credit card.
:sharebeer
by Sunny Sarkar
Mon Jul 25, 2016 8:52 pm
Forum: Personal Investments
Topic: Does buying international stock index make me a "market-timer'?
Replies: 13
Views: 2217

Re: Does buying international stock index make me a "market-timer'?

MikeT wrote:I have 25% of my household portfolio in cash awaiting allocation tomorrow.

If I increase my percentage of international stock, does that make me a "market timer"?
Yes.

Why? Because...
MikeT wrote:In my gut, I do feel the USA stocks will fall (perhaps based on the presidential election).
by Sunny Sarkar
Tue Jul 12, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: new Fido Visa card & mint.com
Replies: 5
Views: 1600

Re: new Fido Visa card & mint.com

On a different but related note: curious about why do you use Mint instead of another account consolidation software like Yodlee (direct from Yodlee or inside your Vanguard/Fidelity account)?
by Sunny Sarkar
Tue Jul 12, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: new Fido Visa card & mint.com
Replies: 5
Views: 1600

Re: new Fido Visa card & mint.com

Ok - they must have added that recently then. I knew about Elan and Fidelity Rewards and looked for all that - even called Fidelity about it, and they had said it wasn't set up yet. Will try again.
by Sunny Sarkar
Tue Jul 12, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: new Fido Visa card & mint.com
Replies: 5
Views: 1600

Re: new Fido Visa card & mint.com

I was unable to add the Fido visa card to Mint.com
What is the name under which the card appears in the Add New Account search, and which login credentials did you have to use? Fidelity login?
by Sunny Sarkar
Fri May 27, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5159
Views: 973457

Re: What's Your Credit Card Rewards Strategy?

Simplicity, like my investments. The single card that offers the most cash back for all purchases, year round. In my case, it's the fidelity 2% visa. +1 Another under-appreciated feature of this card is auto-redemption... every month the cashback gets auto-deposited/invested to my daughter's 529 ac...
by Sunny Sarkar
Fri May 27, 2016 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Living without a checking account
Replies: 48
Views: 6513

Re: Living without a checking account

I've used only a brokerage account with check writing facility and it worked just fine.

http://www.wsj.com/articles/SB122645109077719219
(scroll down to the "Alternatives to Banks" section at the bottom)
by Sunny Sarkar
Tue May 24, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Score - Can You Explain This
Replies: 25
Views: 6628

Re: FICO Score - Can You Explain This

Sheepdog wrote: Penfed Visa 860
I thot the ceiling was 850. Aw shucks... now my fico-ego is deflated :oops:
by Sunny Sarkar
Sat May 07, 2016 11:19 pm
Forum: Investing - Theory, News & General
Topic: Outrageous Index Funds
Replies: 12
Views: 2875

Re: Outrageous Index Funds

In my first job, we had an ING administered 401k which sported a small cap index fund with an ER of 2.11%, and this is before the other fees charged by the 401k to the participants. :oops:
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: 2560

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: 2560

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: 30
Views: 5081

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: 3494

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: 40885

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: 3970

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: 7095

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: 10572

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: 1473

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: 1473

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: 7667

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: 1416

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...