Search found 2391 matches

by Sunny Sarkar
Fri Jul 06, 2007 1:10 pm
Forum: Investing - Theory, News & General
Topic: Drive Free Retire Rich - Dave Ramsey
Replies: 88
Views: 32319

One day in 1984 my wife, Claudia, told me, 'The government gets a third and we can spend a third, but we need to save a third'. That's the smartest advice anyone ever gave me. We're rich now. - LEE TREVINO The government takes a third, we save a third, so we spend the other third. We're happy now I...
by Sunny Sarkar
Thu Jul 05, 2007 7:10 pm
Forum: Investing - Theory, News & General
Topic: DFA - Why advisor only?
Replies: 54
Views: 17053

arielb wrote:It's funny that there must be zillions of funds and none of them offer what we want


TSM-ers have something that S&D-ers will never have: enough (funds) :-)
by Sunny Sarkar
Thu Jul 05, 2007 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: your favorite quotes & one-liners
Replies: 74
Views: 28651

Time is Money. ( Time = Money ) Knowledge is Power. ( Knowledge = Power ) Work is Power times Time. ( Work = Power x Time ) From the latter we get: Time = Work / Power Substituting Money for Time and Knowledge for Power, we get: Money = Work / Knowledge Morale : The more Knowledge you possess the l...
by Sunny Sarkar
Thu Jul 05, 2007 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: your favorite quotes & one-liners
Replies: 74
Views: 28651

From Rene Descartes; If you live your life as if there is a God and there is none, then you have lost nothing. But if you live your life as if there is no God and there is one, then you have lost everything. Is this from Descartes? I thought this was Pascal's Wager, and I'm pretty sure Mr. Bogle us...
by Sunny Sarkar
Thu Jul 05, 2007 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: your favorite quotes & one-liners
Replies: 74
Views: 28651

[When] I was 11, I got straight A's, had two recesses a day, had the cutest girlfriend and won 32 tournaments. Everything's been downhill since. - TIGER WOODS One of the symptoms of an approaching nervous breakdown is the belief that one's work is terribly important. - BERTRAND RUSSELL Before the en...
by Sunny Sarkar
Thu Jul 05, 2007 5:08 pm
Forum: Investing - Theory, News & General
Topic: Is trailing PE or forward PE better for evaluation???
Replies: 5
Views: 1433

Re: Is trailing PE or forward PE better for evaluation???

davidkw wrote:Do Bogleheads perfer to look at the trailing PE ratio or the forward PE ratio?


Do Bogleheads look at PE ratios?
by Sunny Sarkar
Tue Jul 03, 2007 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Way to go Fidelity !!!
Replies: 5
Views: 1958

Fidelity National Information Services any relation to Fidelity Investments?
by Sunny Sarkar
Sat Jun 30, 2007 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Ubuntu 7.04 (Feisty Fawn) has been released!
Replies: 109
Views: 51531

Is it possible to run Ubuntu from a CD and then read and write to NTFS/NT4 on the same computer? When you run Ubuntu (or any other Linux distro) from a CD, it typically will not mount the local file system(s), but you can mount them manually. After that, you'll be able to read from NTFS, but will n...
by Sunny Sarkar
Thu Jun 28, 2007 11:10 pm
Forum: Investing - Theory, News & General
Topic: How Much is Enough?
Replies: 73
Views: 31601

In numbers, that would be $2M+ (=$100k/Yr) in today's money with home loan payed off.

According to my calculations, I'm not going to make it if I live in CA.

Rick, how bad is the first San Antonio summer?
by Sunny Sarkar
Thu Jun 28, 2007 10:49 pm
Forum: Investing - Theory, News & General
Topic: How Much is Enough?
Replies: 73
Views: 31601

"Enough" is waking up in the morning and having to go to work in order to feed the family. That's my simple definition of financial independence, and to me financial independence is "enough". My fear is that by the time we get there, we'll start wanting a more expensive lifestyle...
by Sunny Sarkar
Wed Jun 27, 2007 12:04 am
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

Re: No income tax states - what's the catch?

hans37 wrote:... the peoples republic of taxifornia

... favorite communist (fdr) was President.

... "slouching towards gomorrah"


Take it easy, my friend. This is not the M* politics forum.
by Sunny Sarkar
Tue Jun 26, 2007 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

Sounds harsh, but capitalism, not social redistribution, is what built America. More capitalism and less social redistribution maybe, but not all capitalism and no redistribution. I don't think we've figured the magic proportions yet. Taking extreme positions wouldn't get us there. Most things we t...
by Sunny Sarkar
Thu Jun 21, 2007 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

I'm tempted to say that maybe, just maybe, AK, TX, FL, & NV residents are getting a free lunch because AK & TX states get oil money and FL & NV squeeze it out of their tourists (great hospitality ethics, you guys ), but then, what does SD, WY, NH, TN, and WA states do to fill up their co...
by Sunny Sarkar
Thu Jun 21, 2007 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

$600,000 would buy you one of the nicest houses in a given neighborhood here in Texas. In fact, $600,000 in Grapevine, Colleyville, Southlake, Plano, etc. would go a very long way. In those cities, depending on the specifics of the house, $600,000 could get you a 5,000 square foot house complete wi...
by Sunny Sarkar
Thu Jun 21, 2007 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

High sales tax but at least they have tax incentive programs 8) Tolls on Interstates and Former Freeways! Not as bad as some states Higher house insurance premiums! So far I'm not seeing much that is better in CA. (1) Sales taxes are just as high here. (2) There are toll roads here too (maybe not a...
by Sunny Sarkar
Thu Jun 21, 2007 11:28 am
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

PS - Sunny, we missed you at DH VI in DC. Hi Mel, I missed you all too. I've been very busy lately - can't even attend all the meetings at my toastmasters club two blocks away form home. Hope to do better next year. Just being around Mr.Bogle and such a nice bunch of people is so inspiring. I reall...
by Sunny Sarkar
Wed Jun 20, 2007 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

OUJohnNasr wrote:I live in Texas, and I can tell you firsthand that the property taxes in Texas are a b****. While Texas doesn't have a state income tax, we do face some of the highest property taxes and sales taxes in the country.


What is the property tax % in Texas, or is it a complicated formula?
by Sunny Sarkar
Wed Jun 20, 2007 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: No income tax states - what's the catch?
Replies: 102
Views: 39925

No income tax states - what's the catch?

A naive question: California residents pay 9.3% state income tax. Texas residents pay 0% state income tax. Does the state of Texas really allow their residents to keep an extra 9.3% of their income, or is there a catch (like they are taxed in other ways)? After all, the state government needs taxes ...
by Sunny Sarkar
Wed May 30, 2007 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to buy in SoCal yet?
Replies: 41
Views: 14191

Is it time to buy in SoCal yet?

We've been renting in Southern California for the last 2 1/2 years, sitting out the bubble that doesn't seem to burst. Sales are down, inventories are up, prices are not going up but are holding up pretty darn good. Opinions vary, but most think that prices are not going to fall much unless there's ...
by Sunny Sarkar
Tue Apr 24, 2007 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Diehard reunions highlights/reports/pictures
Replies: 10
Views: 6167

More pictures from Diehards IV & V... http://picasaweb.google.com/bogleheads Note for Simba: Would it be possible to include the following links in your original post above? http://picasaweb.google.com/Bogleheads/Diehards4 http://picasaweb.google.com/Bogleheads/Diehards5 Best, Sunny
by Sunny Sarkar
Tue Apr 24, 2007 5:02 pm
Forum: Forum Issues and Administration
Topic: New poll on final Board Style choices
Replies: 11
Views: 5258

There is no doubt that CyberBob's version is the coolest looking. However, it's difficult to read. The subSilver (which I think I had by default) is the easiest to read. I'm voting for CyberBob as the default look, hoping of course that the option to change it in the personal profile settings is goi...
by Sunny Sarkar
Tue Apr 24, 2007 11:46 am
Forum: Investing - Theory, News & General
Topic: Poll: Expense Ratio
Replies: 43
Views: 17416

We use Taylor's 4-fund portfolio (+TIPS), but our ER is 0.27% (details) dragged up by a bond fund in 401k.

"We shall overcome some day" (by rolling over to IRA & graduating to admiral shares).

Best,
Sunny
by Sunny Sarkar
Tue Apr 10, 2007 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Photography Guru's
Replies: 21
Views: 10396

-- This post is OT -- The best point & shoot / pocket camera I have used is the Yashica T4. It's a film camera with a superb lens (Zeiss Tessar 35mm/f3.5 no zoom), consistent and predictable 60/40 center-weighted auto-exposure, auto-focus, and no zoom or manual controls to fiddle with. It has a ...
by Sunny Sarkar
Tue Apr 10, 2007 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Photography Guru's
Replies: 21
Views: 10396

Canon digital cameras are very good in sunlight outdoors, but pictures starts becoming grainy quickly beyond ISO 200 (indoors / flash). The best pocket digital camera for both outdoors and indoors is the Fujifilm Finepix F30 because they have figured out how to avoid grains at higher ISO (low light ...
by Sunny Sarkar
Mon Apr 02, 2007 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Direct deposit of paycheck in VG MMF
Replies: 26
Views: 18476

indexfundfan wrote:ABA # : 031000503 (Wachovia Bank)
Acct # : VAN90001234567890


Hmmm...

I have a few Nigerians email friends who'd be interested in joining this board now :-)
by Sunny Sarkar
Wed Mar 28, 2007 5:20 pm
Forum: Personal Consumer Issues
Topic: What does your avatar symbolize?
Replies: 160
Views: 71804

self explanatory?
by Sunny Sarkar
Wed Mar 28, 2007 4:57 pm
Forum: Investing - Theory, News & General
Topic: how much did (or will) you pay for your kids' college?
Replies: 53
Views: 23608

It is very hard to answer your question because it depends on what she thinks when she goes to college 15 years later. If she grows up to be debt shy and decides to forego college education just because she doesn't want to incur a lot of debt, I want to have enough in hand to pay for at least her fi...
by Sunny Sarkar
Tue Mar 20, 2007 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you gamble?
Replies: 106
Views: 29652

Years ago, my wife and I would each get $5 in coins and play the slots until they ran out or we got bored. We considered it "entertainment." That's exactly what we do now when in Vegas, which somehow ends up being a few times every year because it is such a convenient stopover to the cany...
by Sunny Sarkar
Fri Mar 16, 2007 5:47 pm
Forum: Forum Issues and Administration
Topic: Wish list
Replies: 27
Views: 14708

If wishes were fishes

On diehards.org: * Please bring back the search, except this time with integrated search functionality across both forums * A separate "view" on diehards.org that intertwines the posts from both forums (with or without any indicator of each post's residence/server) so that the page looks l...
by Sunny Sarkar
Tue Mar 13, 2007 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Browse conversations without leaving diehards.org
Replies: 14
Views: 6346

You can even reply to a conversation in the coolris popup/frame. This thing rocks!
by Sunny Sarkar
Tue Mar 13, 2007 5:27 pm
Forum: Investing - Theory, News & General
Topic: How Barack Obama, John G. Roberts, and Ben Bernanke invest
Replies: 7
Views: 3076

Insider info?

There was an article pointed out on the forum earlier which said that senators as a group do much better than the average investor (and the market?), hinting at the fact that people in high positions get benefited from insider information.
by Sunny Sarkar
Tue Mar 13, 2007 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Browse conversations without leaving diehards.org
Replies: 14
Views: 6346

Browse conversations without leaving diehards.org

When you want to read a conversation, you click on its link on diehards.org, go to that page, read it, then press the back button to come back to diehards.org when you're done. But what if you didn't have to leave diehards.org in order to browse through the conversation? If you install the Cooliris ...
by Sunny Sarkar
Tue Mar 13, 2007 1:02 am
Forum: Forum Issues and Administration
Topic: THANK YOU Larry Auton, Alex Frakt, Phoenix...
Replies: 21
Views: 10817

A little constructive criticism

Hi Alex & Larry, A little constructive criticism, and you may have already considered this option: what if we go back to the original format of diehards.org with links on the left and one list on the right, except that list now contains posts from both forums intertwined, sorted by time (descend...
by Sunny Sarkar
Tue Mar 13, 2007 12:27 am
Forum: Forum Issues and Administration
Topic: THANK YOU Larry Auton, Alex Frakt, Phoenix...
Replies: 21
Views: 10817

Both forums on Diehards.org

This is simply awesome!

Thanks a lot.
by Sunny Sarkar
Mon Mar 12, 2007 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Both Forums on One Screen
Replies: 13
Views: 5427

Wow, this forum really is popular!

The page I put on my free yahoo website with the two forums in two frames on the same page has been accessed so many times that my free account hit its puny data transfer limit. So, here's an alternative...

Two forums on same page
by Sunny Sarkar
Mon Mar 12, 2007 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Both Forums on One Screen
Replies: 13
Views: 5427

Re: Both Forums on One Screen

...there's no need lose half of your screen's real estate or to scroll horizontally as with Sunny's method... However, I can see where Sunny's technique might be useful, especially if you're using a widescreen (16:9) monitor. Hi Bylo, I totally agree with you that it's a personal prefernce. I was u...
by Sunny Sarkar
Mon Mar 05, 2007 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: What do you dislike about the new forum versus the old one?
Replies: 65
Views: 37164

I like the bold subject line at M*

44. I like the bold subject line at M* Sunny | 03-05-07 | 03:17 PM One of the things I like about the M* forum is that every post has a bold subject line that stands out clearly, followed by the hyperlinked user and posting time in smaller font. The subject line in the new forum is kind of lost in ...
by Sunny Sarkar
Mon Mar 05, 2007 1:47 am
Forum: Investing - Theory, News & General
Topic: Poll: How Many Funds (Asset Classes) In Your Portfolio?
Replies: 46
Views: 25349

Re: Many, but few

CyberBob wrote:Asset classes?
Many: Large-Cap, Mid-Cap, Small-Cap, REIT's, Growth, Value, Emerging Markets, Treasuries, etc.

Actual Funds?
Few: Total Stock Index Admiral, Total Bond Index Admiral, Total International Stock Index


...and TIPS. That's all.

Best,
Sunny
by Sunny Sarkar
Sun Mar 04, 2007 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Classic Movies.
Replies: 32
Views: 15283

Classic movies

I don't know how to identify classics, so I'll tell them as I see them: (in no particular order) Office Space (the quintessential comedy for cube dwellers) Pulp Fiction (beautifully woven, how many movies shock you to laughter?) Butch Cassidy & the Sundance Kid (did Mark Twain pen the script?) K...
by Sunny Sarkar
Fri Mar 02, 2007 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Avatar test
Replies: 68
Views: 37880

Re: Sunny

Is it the Sunny, who wrote the best IPS ever? Bob Hi Bob, Yes it's me, but you own the best portfolio ever, which (to quote you) is "absolutely brilliant in its elegance and compactness" , and dare I add "sophistication". My portfolio told me that when it grows up, it wants to l...
by Sunny Sarkar
Fri Mar 02, 2007 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Avatar test
Replies: 68
Views: 37880

Avatars: the real scoop...
http://en.wikipedia.org/wiki/Avatar

Best,
Sunny