Search found 2401 matches

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: 2965

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: 44
Views: 4204

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: 2885

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: 2006

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: 2006

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: 898

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: 2006

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: 2006

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 funds perform....
by Sunny Sarkar
Sat Apr 18, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2951

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: 1047

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: 15390

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: 15241

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: 75958

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: 75958

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 up for cr...
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: 4840

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: 7941

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: 2597

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: 61938

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: 5167

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" when tracking...
by Sunny Sarkar
Fri Aug 19, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Building kid's credit history
Replies: 29
Views: 4066

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: 18630

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 media is tha...
by Sunny Sarkar
Wed Aug 17, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897290

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: 2188

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: 1559

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: 1559

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: 1559

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: 4647
Views: 897290

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: 6444

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: 6582

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: 2830

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: 2515

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: 2515

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: 4445

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: 3405

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: 40014

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: 3890

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: 7026

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: 10143

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 and I consi...
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: 1422

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: 1422

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: 7572

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: 1383

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 that goes...
by Sunny Sarkar
Fri Nov 20, 2015 4:41 pm
Forum: Personal Investments
Topic: Bonds for kid's college - use 529 or I-Bonds?
Replies: 6
Views: 1054

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: Personal Investments
Topic: Bonds for kid's college - use 529 or I-Bonds?
Replies: 6
Views: 1054

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: Personal Investments
Topic: Bonds for kid's college - use 529 or I-Bonds?
Replies: 6
Views: 1054

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: TBM (ER 0...
by Sunny Sarkar
Mon Nov 09, 2015 10:47 pm
Forum: Investing - Theory, News & General
Topic: Please explain Mr. Market
Replies: 22
Views: 3331

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: 1289

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: 1289

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: 4006

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: 1021

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