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Re: Boglehead Concert Goers?

I just realized this was an old thread. $150+ for Tegan and Sara, post-Closer, pre-Everything Is Awesome? I saw them a few months later for $32.25. I have a great club venue near me called The NorVa. In the last 18 months for about $30 each, I have seen: Tegan and Sara Portugal. The Man Phantogram S...
by Ketawa
Fri Mar 27, 2015 10:18 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 61
Views: 2864

Re: When everyone "knows" the euro will fall

I have a hard time seeing how euros can be expected to fall against the dollar. I think the point is that the European Central Bank wants a weaker Euro and they can print as many as they need to in order to accomplish this. It's a policy decision, not a (directly) economic one. Then to me it appear...
by Ketawa
Thu Mar 26, 2015 9:16 am
 
Forum: Investing - Theory, News & General
Topic: When everyone "knows" the euro will fall
Replies: 7
Views: 1274

Re: Fidelity offer to match IRA contributions

"As an example, would this work??....you rollover 500k from ira held at VG (eg) to open new IRA at Fidelity. Then you rollover 20k from same VG ira to the new Fidelity IRA, as a "contribution" to the Fido IRA, and obtain the 10% "bonus" (actually, $1950, the max amount).&qu...
by Ketawa
Wed Mar 25, 2015 5:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity offer to match IRA contributions
Replies: 12
Views: 2177

Re: Econtalk on Investing/Data Mining/Statistical Significan

A similar paper by Harvey and Liu was discussed in this thread: http://www.bogleheads.org/forum/viewtop ... 0&t=141655

(market beta, value, momentum hold up)
by Ketawa
Tue Mar 24, 2015 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Econtalk on Investing/Data Mining/Statistical Significance
Replies: 4
Views: 463

Re: Fidelity offer to match IRA contributions

This is similar to their brokerage transfer offer, only worse. For example, transferring $50k under the regular brokerage transfer offer gets you $200 quickly. The IRA match offer gets you at most $247.50 over 3 years. If you have $500k, you might as well get $1200 immediately instead of $1650 over ...
by Ketawa
Tue Mar 24, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity offer to match IRA contributions
Replies: 12
Views: 2177

Re: When everyone "knows" the euro will fall

I don't understand how everyone "knows" this. German government bond yields are far lower than US Treasury yields. Does anyone doubt the ability of Germany or the US to repay its bonds? Since both are safe countries, I thought this typically was an indicator that the euro is expected to st...
by Ketawa
Tue Mar 24, 2015 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: When everyone "knows" the euro will fall
Replies: 7
Views: 1274

Re: Google voice

Google Voice still doesn't support group texting, so it's a non-starter for me. I can't be the only one who can't stand it when someone responds to a group text and it appears in its own separate thread. I'd hate to do the same to other people. AFAIK from my limited research, it also doesn't receive...
by Ketawa
Tue Mar 24, 2015 8:19 am
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4273

Re: Best albums of 2015

Never heard of Kendrick Lamar. Spent a half hour reading his lyrics, interesting - unlike almost everything. I had heard of him before this album, and listened to his first album a little. His second album has received outstanding reviewed, and hold the record for being the most streamed album in o...
by Ketawa
Tue Mar 24, 2015 8:00 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 49
Views: 3109

Re: Santander Bank - missing $20 bonus

I should've checked fatwallet before posting this. Some banks no longer work for direct deposit. NFCU might still.
by Ketawa
Thu Mar 19, 2015 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Santander Bank - missing $20 bonus
Replies: 1
Views: 296

Santander Bank - missing $20 bonus

I have been using Santander Bank extra20 checking and extra20 savings accounts to receive $20 every month for about a year. To make up my $1500 direct deposit, I ACH push my monthly $319 condo fee from NFCU to Santander checking, and ACH push the remaining $1181 from USAA to reach $1500. A couple we...
by Ketawa
Thu Mar 19, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Santander Bank - missing $20 bonus
Replies: 1
Views: 296

Re: PXSV has changed indexes

All those funds have $500 minimums in my fidelity brokerage account. This reminds me of the QSPIX thread where the minimum purchase price was either $1.27 or 10 gazillion and no one really knew. :sharebeer I trust my numbers. I have an account and this is the last minimum you see right before you b...
by Ketawa
Thu Mar 19, 2015 4:40 am
 
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 88
Views: 5970

Re: PXSV has changed indexes

You'd never hold QSMLX in taxable. There are tax-managed versions of the AQR multi-style funds, but unfortunately it seems like those are only available through an advisor. I bought some of the TM international fund, QIMLX, at TDAmeritrade, no advisor. Interesting, I had only checked the domestic f...
by Ketawa
Wed Mar 18, 2015 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 88
Views: 5970

Re: PXSV has changed indexes

You'd never hold QSMLX in taxable. There are tax-managed versions of the AQR multi-style funds, but unfortunately it seems like those are only available through an advisor. No index can be a feature IMO. The funds are still passively managed according to rules. DFA SCV also doesn't follow an index. ...
by Ketawa
Wed Mar 18, 2015 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 88
Views: 5970

Re: Another Mortgage vs Investing Q

Doesn't that argument cut both ways? I imagine the effective interest rate is far less than 4.125%. The effective rate is less than 4.125% because the OP itemizes taxes. If anything, the effective rate would go up at some point if the taxpayer could no longer itemize, but in this case the OP has in...
by Ketawa
Wed Mar 18, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Another Mortgage vs Investing Q
Replies: 15
Views: 1464

Re: Should you hold bonds and a mortgage at the same time?

Why would you exclude the house from your portfolio, but not also exclude the mortgage on it? It's not like you would have to pay that debt if you didn't have a house as collateral. Even if you don't pay the mortgage and get foreclosed, presumably it would sell for > $0 at auction, and you wouldn't...
by Ketawa
Tue Mar 17, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Should you hold bonds and a mortgage at the same time?
Replies: 78
Views: 6013

Re: Should you hold bonds and a mortgage at the same time?

My answers: 1. Generally, none. I agree that borrowing at 4% to invest at 2.5% is dumb. Expected return of the overall portfolio doesn't matter; the analysis should mostly be based on fixed income vs debt. 2. It does not necessarily mean that the investor should have $500k house/$500k equities. I th...
by Ketawa
Tue Mar 17, 2015 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Should you hold bonds and a mortgage at the same time?
Replies: 78
Views: 6013

Re: Poll: When to pay down debt rather than invest

I'm a little disappointed nobody linked to the Paying down loans versus investing wiki article before me. I do not pay down the 30 years mortgage because A) It is 3.49% while my portfolio return around 7%. So, I get about 3.5% difference in return. B) I have 2 kids going to college in one or 2 years...
by Ketawa
Mon Mar 16, 2015 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When to pay down debt rather than invest
Replies: 49
Views: 3881

Re: An alternative to alternative investments [QSPIX]

I bought QSPIX and QSMLX without any trouble today. On the fund research page, click on the "Fees and Distributions" tab to see the minimum investment amounts for IRAs. There seems to be a minimum initial investment of $2500 with a minimal additional investment of $250 for the AQR funds. I...
by Ketawa
Mon Mar 16, 2015 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 315
Views: 37935

Re: Mango prepaid card - 4.8% (effective) APY

You can open two Mango accounts using two phone numbers. I used my cell phone number and a Google Voice number. However, you need a separate login for each account. Do you know if the same applies to the Union Plus account? I don't know for sure, but someone in the fatwallet thread said he was rest...
by Ketawa
Mon Mar 16, 2015 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: Mango prepaid card - 4.8% (effective) APY

You can open two Mango accounts using two phone numbers. I used my cell phone number and a Google Voice number. However, you need a separate login for each account.
by Ketawa
Sun Mar 15, 2015 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: An alternative to alternative investments [QSPIX]

I believe the $5 million initial investment is inaccurate. I will be buying QSPIX this week and can confirm whether my trade goes through. Three weeks ago, I bought QICNX through Fidelity without any trouble. I think the minimum was only $2500 on the trade confirmation page even though the fund rese...
by Ketawa
Sat Mar 14, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 315
Views: 37935

Re: PXSV has changed indexes

All the more reason I'm happy to be switching to QSMLX.
by Ketawa
Sat Mar 14, 2015 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 88
Views: 5970

Re: Mango prepaid card - 4.8% (effective) APY

Just wondering why people prefer Mango over Netspend? Yield chasing? Popularity? Netspend has no fee, lower auto-ACH amount needed, and essentially the same return. http://www.fatwallet.com/forums/finance/1432026/ I wasn't aware of this. I will open one. My understanding is it works almost exactly ...
by Ketawa
Fri Mar 13, 2015 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: Why not use inflation-adjusted SPIA?

They might be able to insure against unexpected inflation after the SPIA is issued, but they cannot calculate a premium today unless they know what the future payouts amounts are. This doesn't make sense. If they can insure against unexpected inflation after a SPIA is issued, then presumably they u...
by Ketawa
Wed Mar 11, 2015 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not use inflation-adjusted SPIA?
Replies: 117
Views: 4748

Re: Why not use inflation-adjusted SPIA?

@powermega part of what you are saying can be rebutted by the fact that TIPS exist. The "company" (US government) that sells TIPS also has the ability to print money if necessary. Annuity companies do not have that ability. But the insurance companies do have the ability to buy TIPS! Agre...
by Ketawa
Wed Mar 11, 2015 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not use inflation-adjusted SPIA?
Replies: 117
Views: 4748

Re: Mango prepaid card - 4.8% (effective) APY

If I can summarize, If one opens 3 accounts, funds them each with $5K, for a total deposit of $15K, after one year, net of fees, one can earn approx $1,800 in insured accounts? Also, the primary "catch" if you will is limited ability to make withdrawals and monthly direct deposits need to...
by Ketawa
Tue Mar 10, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: Question about Govt. TSP: G vs. F Funds

The F Fund returned an average of 2.19%, real, over the period 2004-2014. The G Fund returned .77%, real, over the same period. In order to make up the difference in return, you'd need to increase your stock allocation and portfolio risk. The G Fund only lies on the efficient frontier for low expec...
by Ketawa
Tue Mar 10, 2015 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Govt. TSP: G vs. F Funds
Replies: 97
Views: 9299

Re: Mango prepaid card - 4.8% (effective) APY

We aren't their target market. the 6% is a teaser, they expect to and do profit off the debit card usage I suspect. I used to do things like this to make a few extra dollars. It is fine if one has the time and puts in the effort but make one mistake and the small profit gets wiped out plus some. I ...
by Ketawa
Tue Mar 10, 2015 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: Mango prepaid card - 4.8% (effective) APY

I'm not aware of a Ponzi scheme that would intentionally limit the amount you want to invest. Or a Ponzi scheme that lets you take your money out at any time. The bank is FDIC insured.
by Ketawa
Tue Mar 10, 2015 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: International value: worth the fees?

PDN, PXF, and PXH are probably good options. I still have some PDN but will be selling it soon since I am consolidating to AQR funds. I hold QICLX and QEELX and think they're worth the fees, but others probably disagree.
by Ketawa
Mon Mar 09, 2015 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 1935

Re: MangoMoney account: 6% APY for Emergency Funds

555 wrote:Do they send you a 1099-INT each year?
I assume you are taxed on interest, rather than interest minus fees, so that's part of the calculation.


Yes, they send a 1099-INT. This year there were errors with interest reported in the wrong box, but they were corrected a few weeks later.
by Ketawa
Mon Mar 09, 2015 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: MangoMoney account: 6% APY for Emergency Funds

It's a savings account you can't easily access, though. You can't easily transfer out the money back to your bank. As I understand it, if you want to withdraw the balance, you will have to withdraw the balance in cash, and pay fees. And it appears that there is a $600 per day maximum you can withdr...
by Ketawa
Mon Mar 09, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: Question about Govt. TSP: G vs. F Funds

If your definition of "no inflation risk" is that an asset has to match the CPI, then sure, the G Fund isn't guaranteed to beat it over any given time period. This seems myopic to me. The only way you guarantee beating it is to take on interest rate risk with TIPS, and they're clearly more...
by Ketawa
Mon Mar 09, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about Govt. TSP: G vs. F Funds
Replies: 97
Views: 9299

Re: Question about Govt. TSP: G vs. F Funds

[IMO std dev of G fund is not a sensible measure to compare to. The variance is all upside, so look at semivariance. So moving from G to F is not taking on "sightly higher" risk; it is taking on risk over the riskless asset. Not if you consider inflation risk. There is no inflation risk w...
by Ketawa
Sun Mar 08, 2015 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Govt. TSP: G vs. F Funds
Replies: 97
Views: 9299

Re: Poll: Increasing international equities

I'm staying the course, which for me is market weights.
by Ketawa
Tue Mar 03, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3789

Re: Do you consider mortgage payments as savings?

It doesn't matter what I consider them. All that matters is the bottom line. Rules like saving 50% of net income are arbitrary.
by Ketawa
Sat Feb 28, 2015 3:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20084

Re: How to hedge a 5/5 ARM?

Mango, Union Plus, and Santander accounts. Several blog posts by The Finance Buff describe them and there is a thread about Mango here.

They take some time and effort to set up and automate. With my setup, I have about $17k total invested in them and I earn about 5.8% FDIC insured.
by Ketawa
Fri Feb 27, 2015 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How to hedge a 5/5 ARM?
Replies: 20
Views: 1302

Re: Netflix DVD delivery slowdown?

DVD Terms and Conditions Allocation, Delivery and Return of Rented DVDs: We reserve the right to process orders and otherwise allocate and ship DVDs among our members in any manner that we, in our sole and absolute discretion, determine. In addition, we will, in our sole and absolute discretion, de...
by Ketawa
Thu Feb 26, 2015 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 14829

Re: Recommend a quality (and reasonably priced) knife set

Between the recommendations in this thread and The Sweethome recommendation, I just ordered a Victorinox Fibrox 8" Chef's Knife. I'm not particularly interested in cooking but my current knife set is terrible and I had been considering a replacement. I already have a Chef's Choice electric shar...
by Ketawa
Wed Feb 25, 2015 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2568

Re: Netflix DVD delivery slowdown?

I haven't received one of those emails in years. I used to have 2 day turnaround. For a couple months now, Netflix has received discs the day after I dropped them in the mail, but I wouldn't receive my next disc until 2 days after it shipped. Total 3 day turnaround. I can't tell what it has been the...
by Ketawa
Tue Feb 24, 2015 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 14829

Re: how best to supplement heat with heat pump

ASHPs drop to COP of 1.0 (ie electric bar) below about 20F above that you should still see COPs above 1.0 (ie 1 kwhr of energy used to move 1 kwhr of hot or 'cold'). You really can't generalize that way. There are ASHP that have a COP greater than 2* down to -15F. It's really an economic question. ...
by Ketawa
Tue Feb 24, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 2519

Re: An alternative to alternative investments [QSPIX]

QLEIX targets value, momentum, and quality. It invests only in equities. It also has positive beta exposure and tactically adjusts the amount of exposure. QSPIX targets value, momentum, defensive (similar to quality AFAIK), and carry. It invests in equities, equity indices, commodities, fixed income...
by Ketawa
Mon Feb 23, 2015 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 315
Views: 37935

Re: Car Battery in Unusual Cold

I had an EverStart battery from Wal-Mart which comes with a 3 year warranty for free replacement. After about 30 months, it had the above symptoms as the weather cooled. I took it to Wal-Mart and had it tested, where they determined they could replace it under warranty since it did not perform at s...
by Ketawa
Mon Feb 23, 2015 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3961

Re: Refinance Question

A 5/5 ARM might be a good balance that lets you pay a lower interest rate while still having the flexibility of a 30 year amortization. You could continue to make extra payments towards principal. When the rate resets at the 5 year mark, the loan should recast to reflect the lower principal payment ...
by Ketawa
Mon Feb 23, 2015 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinance Question
Replies: 15
Views: 1268

Re: Mango prepaid card - 4.8% (effective) APY

In the fatwallet thread, a poster said he was limited to 3 accounts total between Mango and Union Plus. Between Mango and Union Plus, there's a max. limit of 3 accounts per household/address. My wife and I opened an a/c in each and the 4th account in UP (my wife's) was suspended after we put in 5K. ...
by Ketawa
Sat Feb 21, 2015 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 63059

Re: Best Condo Sell Strategy?

I don't have any problem with offering a high commission on any ethical or legal grounds. I just think offering a 10% higher commission to get a 10% higher sale price is horribly inefficient. You'll turn off potential buyers simply due to the price. IMO any qualified buyer will know the comps better...
by Ketawa
Thu Feb 19, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 960

Re: Best Condo Sell Strategy?

skepticalobserver wrote:Incentivize your broker: dramatically raise the commission so your salesman will really focus on moving the property. Fifteen percent or more might do it.


Explain how pricing a condo 10% above market value and simultaneously raising the broker commission an extra 10% makes any kind of sense.
by Ketawa
Thu Feb 19, 2015 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 960

Re: Car Battery in Unusual Cold

An issue I've noticed with cars today is it's a lot more difficult to tell when the battery is getting weak. In the old cars you could hear it laboring and running down as it cranked the engine. But not so in today's cars. It seems they suck every last bit of juice out of the battery before you kno...
by Ketawa
Thu Feb 19, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3961

Re: Which Credit Card Should I Open?

You don't have one credit score. Do you know which score you are even concerned with? If you want a new card, get one that makes the most sense and don't worry about what it will do to your utilization or credit score. I have opened 13 new cards in the last year and one of my TransUnion scores (acco...
by Ketawa
Wed Feb 18, 2015 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Should I Open?
Replies: 19
Views: 2973
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