Search found 190 matches

by pcsrini
Fri Jan 04, 2013 12:38 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Investors Sour on Pro Stock Pickers
Replies: 6
Views: 1194

Re: WSJ: Investors Sour on Pro Stock Pickers

I agree that the article does drift and does not draw the right conclusions. In the two examples used in the article (Erik and Kevin), they talk about investing early and for the long term (fees over 10 years and just starting out) and making a decision to focus on costs. It may be performance chasi...
by pcsrini
Thu Jan 03, 2013 11:49 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Investors Sour on Pro Stock Pickers
Replies: 6
Views: 1194

WSJ: Investors Sour on Pro Stock Pickers

Seems like more and more people are converting to the Boglehead approach ...

http://online.wsj.com/article/SB1000142 ... 94874.html
by pcsrini
Tue Jan 01, 2013 3:04 pm
Forum: US Chapters
Topic: Thanks and Happy New Year !
Replies: 7
Views: 1160

Re: Thanks and Happy New Year !

Completely agree - huge thanks to all the regular contributors and their keen insights !! Happy new year !!
by pcsrini
Mon Dec 31, 2012 3:16 pm
Forum: Investing - Theory, News & General
Topic: The Physics of Wall Street
Replies: 1
Views: 641

The Physics of Wall Street

Interesting book on the historical contributions of physicists and mathematicians to finance, and a summary from CXO Advisory.

http://www.cxoadvisory.com/22471/big-id ... ll-street/
by pcsrini
Mon Dec 10, 2012 11:39 pm
Forum: Investing - Theory, News & General
Topic: Tax Managed VS Index Funds
Replies: 14
Views: 2650

Re: Tax Managed VS Index Funds

Hi David, You had a comment (and thanks for the great explanation) that if you are in a high tax bracket and even if the tax break for qualified dividends goes away, TSM may still be better than the tax managed funds. I did not quite understand this - also if the state tax is included (CA highest ta...
by pcsrini
Thu Nov 08, 2012 12:37 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 22876

Re: Dear Bogleheads - time to pony up

In for $50 - a huge thanks to all the regulars on the forum. I don't post a lot, but read often
by pcsrini
Wed Nov 07, 2012 1:06 am
Forum: Personal Consumer Issues
Topic: When an Ebay Buyer Doesn't Pay
Replies: 31
Views: 4188

Re: When an Ebay Buyer Doesn't Pay

Hi, I sell a lot on eBay, and if the buyer does not pay in 4 days, you can open a Unpaid Item case which will be decided in your favor and all fees refunded (http://pages.ebay.com/help/policies/unpaid-item.html). Once the case is filed, the buyer receives an unpaid item strike on their account Also,...
by pcsrini
Sat Oct 27, 2012 2:03 pm
Forum: Personal Consumer Issues
Topic: Windows 8: Are you upgrading?
Replies: 67
Views: 6412

Re: Windows 8: Are you upgrading?

I am not a big Microsoft fan, but I have installed on a couple of the Windows 7 Computers at home, and I must say that I am impressed. Easy install, and the new features seem intuitive. The one thing that I had to learn was Alt+F4 to shut down the computer.
by pcsrini
Wed Jun 20, 2012 12:20 am
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 9739

Re: Foreign film night recommendations.

gatorking wrote:Two more Hindi movies:
Taare Zameen Par: http://www.imdb.com/title/tt0986264/
3 Idiots: http://www.imdb.com/title/tt1187043/
+1, and if you want more traditional Hindi movies
Kal Ho Naa Ho
Sholay
by pcsrini
Mon May 07, 2012 12:05 am
Forum: Investing - Theory, News & General
Topic: Which funds attract the most cash ?
Replies: 1
Views: 371

Which funds attract the most cash ?

Article in the WSJ that seven of the 20 top asset gatherers from 2011 were Vanguard funds, with total international stock market being #1

http://online.wsj.com/article/SB1000142 ... 95800.html
by pcsrini
Thu Mar 22, 2012 11:18 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri: "Brutally honest..."
Replies: 28
Views: 5430

Re: Rick Ferri: "Brutally honest..."

Hip Hip Hurray Hip Hip Hurray Hip Hip Hurray Three cheers to Jack, Alex A and Larry A, and the mods and librarians: Mel, Taylor, FishnSki, LadyG, Phoenix, Jeff Mc, Tashina, and CyberBob, Barry, the many other authors, FA's, Phd's, Doctors, Engineers, Mathematicians, Scientists, Philosophers, postin...
by pcsrini
Thu Mar 22, 2012 11:09 am
Forum: Investing - Theory, News & General
Topic: "It probably won't happen" isn't good enough
Replies: 126
Views: 10933

Re: "It probably won't happen" isn't good enough

There is a comment at the end of the interview on investing differently for HNW individuals. "Unless you’re a high-net-worth individual and you’re really investing for future generations. That’s a different story." I have heard a couple of schools of thought on this, with the first approac...
by pcsrini
Sat Mar 17, 2012 9:45 pm
Forum: Investing - Theory, News & General
Topic: Equity Risk Premium and what to expect
Replies: 8
Views: 1101

Equity Risk Premium and what to expect

Interesting article about what investors can expect going forward for the risk premium for investing in equities. http://www.economist.com/node/21550273 And the conclusion is : Equities are not a miracle asset that will turn measly contributions into a generous pension. Those who want to retire in c...
by pcsrini
Sat Mar 10, 2012 3:06 pm
Forum: US Chapters
Topic: Pat is coming home !
Replies: 115
Views: 14371

Re: Pat is coming home !

Pat - Wishing you a speedy recovery, and a very long and happy life to you and Taylor !!
by pcsrini
Sat Mar 03, 2012 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Wealth of 1.8 million Americans tops $2M
Replies: 40
Views: 7387

Re: Wealth of 1.8 million Americans tops $2M

From the last line, it seems that there is some data analysis done on the estate tax return data to extrapolate it to the entire population.

"The IRS treats the estate tax returns as a random sampling of wealth held by those still living"
by pcsrini
Wed Feb 22, 2012 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: how do you teach a kid who likes math
Replies: 89
Views: 8735

Re: how do you teach a kid who likes math

A couple of ideas : 1. Art of Problem Solving has a great approach to teaching Math and the Pre Algebra course may be useful: http://www.artofproblemsolving.com/ 2. Join a local math circle. If you google your city name and math circle, you can find the closest local chapter. They generally have exc...
by pcsrini
Tue Jan 31, 2012 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Building home in good school neighbourhood vs private school
Replies: 68
Views: 4658

Re: Building home in good school neighbourhood vs private sc

As most folks have pointed out, this is a personal decision. Some points to consider for your specific situation: 1. Does the private school offer more options - i.e. if your child wants to progress faster in dance, or math is there an opportunity for them to move to a higher level in the same grade...
by pcsrini
Sun Jan 29, 2012 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Hit By Online Banking Hacker - Change Login ID and Passwords
Replies: 74
Views: 8140

Re: Hit By Online Banking Hacker - Change Login ID and Passw

For the Schwab token, they don't offer it proactively, but you can ask for it. I found this information on the Schwab Site by navigating the flow below after logging into your account: 1. Click the Service Tab 2. Navigate to Accounts and Fees 3. Click on the link for "these additional steps&quo...
by pcsrini
Sat Jan 28, 2012 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Hit By Online Banking Hacker - Change Login ID and Passwords
Replies: 74
Views: 8140

Re: Hit By Online Banking Hacker - Change Login ID and Passw

If you have a strong password, and the Verisign key, what is the probability that a hacker can break into your accounts ? First, they would need to get the key generator from the server, and also have access to your password with a keylogger. Just having access to one piece of this information will ...
by pcsrini
Sat Jan 28, 2012 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Hit By Online Banking Hacker - Change Login ID and Passwords
Replies: 74
Views: 8140

Re: Hit By Online Banking Hacker - Change Login ID and Passw

Thanks, Rob. I read the "Anatomy of an Attack" paper on the RSA site - is the server side key generation any more secure now from outside attacks than it was prior to last years attack ?
by pcsrini
Sat Jan 28, 2012 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Hit By Online Banking Hacker - Change Login ID and Passwords
Replies: 74
Views: 8140

Re: Hit By Online Banking Hacker - Change Login ID and Passw

Schwab also provides the Verisign ID protection hardware/key that generates unique keys which are added to your password when logging in. Also, if you use FireFox you can add NoScript (allowing only specific sites to run scripts) and in the Options menu specify that you don't want to be tracked and ...
by pcsrini
Mon Jan 23, 2012 6:19 pm
Forum: Personal Investments
Topic: How have the BOGLEHEADS helped you?
Replies: 67
Views: 6511

Re: How have the BOGLEHEADS helped you?

How have the Bogleheads helped you? Giving me the confidence to stay the course How did you find the Bogleheads? I first read the Bogleheads guide to investing, and then the site came up when searching for this title. Did you read any of the recommended books? Yes What did you learn? Asset allocatio...
by pcsrini
Wed Nov 30, 2011 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a financial adviser?
Replies: 40
Views: 4119

Re: Do you have a financial adviser?

A formal financial adviser? No. However, informal advisers, yes, I have a few: Mr. Bogle, Larry Swedroe, Rick Ferri, and Bill Schultheis. Their rates simply cannot be beat. For a few hundred dollars their books have provided me all the info I need to have a solid retirement portfolio. :thumbsup :th...
by pcsrini
Wed Oct 05, 2011 5:06 pm
Forum: Personal Consumer Issues
Topic: Ebay versus Negotiating Behind the Scenes
Replies: 18
Views: 2148

Setting a maximum bid works for some auctions. The system will then increment the bid amount only as needed to top the last bid. Also, for last minute auction bidding, the one-click option will allow you to raise the bid amount quickly. And if there are problems with the transaction, buyer protectio...
by pcsrini
Thu Sep 29, 2011 2:32 pm
Forum: Forum Issues and Administration
Topic: Is this forum becoming dumb
Replies: 65
Views: 11077

In addition to Victoria's list of who visits this forum, I would add there are those (such as myself) who are attempting to educate themselves on financial matters. Even if I come up with a different opinion from someone else, the fact that the post inspired me to analyze the issue to come to my ow...
by pcsrini
Sun Jul 24, 2011 1:41 am
Forum: Personal Consumer Issues
Topic: California public schools....
Replies: 50
Views: 8714

Re: schools in the bay area

If you do decide to send your children to private school, how do you decide what area to live in? While you may not want to live in the most expensive school district if you send your children to private school, you still want to live in a "good" location. How do you find a "good&quo...
by pcsrini
Fri Jul 22, 2011 6:54 pm
Forum: Personal Consumer Issues
Topic: California public schools....
Replies: 50
Views: 8714

Thanks. Were struggling with the decision a little as both my wife and I went to *working class* public schools in the UK, but still did well and went on to good colleges. However, I know the bad influences kids can have b/w the ages of 8 and 16/17. For this reason alone ("Of course, private s...
by pcsrini
Fri Jun 03, 2011 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Market Valuation Ratio Trends
Replies: 0
Views: 297

Stock Market Valuation Ratio Trends

Not suggesting timing, but seemed like an interesting study on trailing P/E over the next year. The article at the end also cautions on how difficult such an analysis is. Like to hear thoughts on whether this seems reasonable or if there is something missing. http://www.cxoadvisory.com/fundamental-v...
by pcsrini
Fri May 27, 2011 8:36 pm
Forum: Personal Consumer Issues
Topic: A Message to Taylor and The Greatest Generation
Replies: 43
Views: 4591

Hi Boglenaut,

Awesome video.

Thanks very much, Taylor and the greatest generation !!
by pcsrini
Fri May 27, 2011 3:29 pm
Forum: Personal Investments
Topic: What Happened to the Great Bond Selloff?
Replies: 10
Views: 1641

What Happened to the Great Bond Selloff?

Previous threads have discussed this as well, and I think points to the difficulty of predicting how asset classes will perform and futility of timing

http://www.smartmoney.com/invest/bonds/ ... 501815796/
by pcsrini
Wed May 18, 2011 5:05 pm
Forum: Investing - Theory, News & General
Topic: Benefits of tax deferred retirement savings
Replies: 7
Views: 1544

Thanks, all. The compounding and the college financial aid/credits seem more important than the time shifting. So, even if you ended up in the same tax bracket after retirement, you would probably still come out ahead, assuming the progressive tax rates at the higher end don't change significantly.
by pcsrini
Wed May 18, 2011 11:53 am
Forum: Investing - Theory, News & General
Topic: "John Bogle didn’t have all the data"
Replies: 54
Views: 7234

Wealthfront seems to be a pre-IPO company, and with tech companies IPO's showing signs of life, the valuation of Wealthfront would be tied to the "addressable market" for their technology. If Wealthfront can convince investors (private or eventually public) that their future potential is h...
by pcsrini
Wed May 18, 2011 11:17 am
Forum: Investing - Theory, News & General
Topic: Benefits of tax deferred retirement savings
Replies: 7
Views: 1544

Benefits of tax deferred retirement savings

Hi, CXOAdvisory has a summary of the study on the "Tax Benefit of Income smoothing", and the conclusion with caveats is that the net result is a reduction of ~1% on the lifetime income tax rate. I have read the Wiki and a number of threads here on the benefits of tax deferred savings - doe...
by pcsrini
Tue May 10, 2011 10:44 am
Forum: Personal Investments
Topic: Broker Rankings
Replies: 5
Views: 851

Broker Rankings

Interesting comparison of the brokers from SmartMoney, with Fidelity scoring highly :

http://www.smartmoney.com/invest/stocks ... 553695118/
by pcsrini
Fri May 06, 2011 10:46 am
Forum: Investing - Theory, News & General
Topic: Marketwatch - TIPS: The Latest Big Steal
Replies: 32
Views: 5069

Cash & unexpected inflation

Apologies if this question is too basic. For the real return on holding Cash vs. TIPS, in an environment with unexpected inflation, would the money market rates and CD rates also not rise with inflation if you keep it in cash ? Or another way to ask this question is it better to hold cash in the sho...
by pcsrini
Sat Apr 02, 2011 10:39 pm
Forum: Investing - Theory, News & General
Topic: what other forums do u also visit for good investing advice
Replies: 24
Views: 4251

cxoadvisory

I read cxoadvisory - their "Big Ideas" section has interesting articles and analysis.
by pcsrini
Wed Mar 23, 2011 12:11 pm
Forum: Personal Investments
Topic: Indexing Is Great When Preserving Wealth
Replies: 56
Views: 8162

From your post, you have started indexing at a young age which is a very good thing. This will allow you to get the best returns over time for the money you have saved. To complete the picture, and as others have advised, getting a great education and then finding a high paying job or a job in a &qu...
by pcsrini
Sat Feb 26, 2011 2:14 am
Forum: Personal Investments
Topic: BIV vs VGIT ETFs - intermediate treasuries only more risky?
Replies: 35
Views: 7983

+1

Thank you - helped me also.
by pcsrini
Sun Feb 20, 2011 1:20 pm
Forum: Personal Consumer Issues
Topic: To Taylor Larimore: Nuts!
Replies: 38
Views: 8953

Thank You

I am relatively new to the site, but have spent the past several months reading a lot - as I have learned more, questions come up and I have almost always found rich and informative discussions on several topics using the search function. I have been amazed by the quality of the people on the site, ...
by pcsrini
Sat Feb 19, 2011 7:40 pm
Forum: Personal Consumer Issues
Topic: Vegetarian foods
Replies: 62
Views: 6470

I was raised vegeterian, and then ate meat for a while and about 10 years switched back. There are a lot of options for vegetarian foods. For protein, there are a wide range of lentils which can be cooked in different ways, wheat breads like roti, chapati, yogurt/buttermilk, cottage cheese such as p...