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by Ketawa
Tue May 05, 2015 12:37 am
Forum: Investing - Theory, News & General
Topic: Quality/Value/Momentum Index
Replies: 36
Views: 1789

Re: Quality/Value/Momentum Index

Growth stocks have a positive return, so even if they're lower than the market return, they're still higher than your assumed return(0%) for the momentum factor. When people talk about X% return for a factor, or X% premium for a factor, it is still assumed that the stocks with momentum exposure hav...
by Ketawa
Mon May 04, 2015 10:48 pm
Forum: Investing - Theory, News & General
Topic: Quality/Value/Momentum Index
Replies: 36
Views: 1789

Re: Quality/Value/Momentum Index

Even if you believe value is a risk premium and momentum will be arbitraged away to zero expected return, then there is still a good case for including it in a portfolio since they have had negative correlation . If negative correlation is sufficient reason to invest in a strategy, then you should ...
by Ketawa
Mon May 04, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 121
Views: 7275

Re: Truecar -- isn't this just a car buying scam?

Time is worth money. I could easily spend 20+ hours on a new car purchase: researching the best negotiating tactics, posting on Bogleheads, researching car specific forums, researching on Edmunds, emailing dealers, traveling to different dealerships, haggling over price, and so on. Or, I could consi...
by Ketawa
Mon May 04, 2015 10:33 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 130
Views: 4098

Re: Forum software upgrade bug reports and change requests

This bug is also affecting the email notifications for subscribed threads. If I click the "If you want to view the newest post made since your last visit..." link, it doesn't take me to the most recent unread post if I'm on a different device. Here is some more info on this problem. Email...
by Ketawa
Mon May 04, 2015 10:25 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 130
Views: 4098

Re: Forum software upgrade bug reports and change requests

I think the problem of having all of your posts showing up as unread is the result of one of those new features I turned off. Specifically 'Enable server-side topic marking: Stores read/unread status information in the database rather than a cookie". You can imagine the size of the database ta...
by Ketawa
Mon May 04, 2015 9:50 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 130
Views: 4098

Re: Forum software upgrade bug reports and change requests

A couple people mentioned the "First unread post" feature. This has been around a long time. However, it isn't working like it used to. I am logged into Bogleheads with 4 different devices. "First unread post" used to work across devices, but doesn't anymore. For example, let's s...
by Ketawa
Mon May 04, 2015 1:30 am
Forum: Investing - Theory, News & General
Topic: Quality/Value/Momentum Index
Replies: 36
Views: 1789

Re: Quality/Value/Momentum Index

Johnny, what do you believe drives the momentum factor? It just seems to be that if you are trying to exploit both momentum and value, you have to time your moves. AQR fund, QCELX, combines these 2 factors plus profitability. The fund has a low ER, but it also has a turnover of 277%. Wow! Another A...
by Ketawa
Sun May 03, 2015 8:48 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 121
Views: 7275

Re: Truecar -- isn't this just a car buying scam?

I think it's an exaggeration to say that TrueCar is a scam. Some buyers will do better by using the TrueCar price as a negotiating tactic. Some buyers will do better because they wouldn't have negotiated or are terrible at it, so the TrueCar price will be better. Some buyers will do worse because th...
by Ketawa
Sun May 03, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any stable value funds that returns ~3% outside of a 401k?
Replies: 12
Views: 1632

Re: Is there any stable value funds that returns ~3% outside of a 401k?

Prepaid card accounts earn ~5% FDIC insured and take a little time to set up, limited to $5k per account. I have $20k invested in 4 accounts: 2x Mango, 1x Union Plus, 1x NetSpend.
by Ketawa
Thu Apr 30, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Residents of states w/o income tax, do you itemize?
Replies: 34
Views: 1918

Re: Residents of states w/o income tax, do you itemize?

I'm an Ohio resident but my military income is exempt from state tax since I'm stationed outside of Ohio, so I deduct general sales tax. The general sales tax deduction is easy to calculate using the general sales tax tables. TurboTax automatically calculates it for me based on AGI + BAH + BAS, my s...
by Ketawa
Thu Apr 30, 2015 5:12 pm
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 36
Views: 3583

Re: MSCI Diversified Multi-Factor Index

I decided a while ago to shift everything in my IRA to AQR. QSPIX is 10% of my portfolio, and the rest of my IRA is in the domestic small/international/emerging multi-style funds at approximately market weights. My fixed income is in the G Fund, some special 1-yr high rate CDs, and prepaid cards wit...
by Ketawa
Wed Apr 29, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 17
Views: 1063

Re: Casual shirts/tops for tall skinny men

Made to measure (MTM). I have had good experiences with Luxire. I'm 6'5" with long arms and an athletic build, so off the rack never fits me. Anything off the rack requires alterations, and at that point I might as well get something dialed in to exactly the measurements I need. Besides, someth...
by Ketawa
Mon Apr 27, 2015 10:15 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 57
Views: 8301

Re: Improving the TSP [for current participants]

If I read that correctly, they are considering real estate, emerging markets, and social responsible funds? Emerging markets, real estate, and socially responsible funds were mentioned as three asset classes that are often requested for inclusion in the TSP fund lineup. They were used to illustrate...
by Ketawa
Mon Apr 27, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Study Recommends Keeping Status Quo for TSP Fund Offerings
Replies: 23
Views: 1740

Re: Study Recommends Keeping Status Quo for TSP Fund Offerin

This study is a bit old and the TSP is currently moving forward with analysis of a mutual fund window option. More discussion in this thread.
by Ketawa
Mon Apr 27, 2015 10:46 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 36
Views: 3583

Re: MSCI Diversified Multi-Factor Index

1) If you have access to AQR funds this is best multi-factor approach. No access. But they cancelled US small and EM funds. 4) Most appealing part of the new "Multi-Factor Funds" is combination of value and momentum in one fund. Definitely agree, But they cancelled US small and EM funds. ...
by Ketawa
Thu Apr 23, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Offer >=$100 Back in First Few Months?
Replies: 5
Views: 558

Re: Which Credit Cards Offer >=$100 Back in First Few Months

You start a lot of threads asking very specific questions about credit cards. Bogleheads is not the best forum for this. Try fatwallet or flyertalk.

What Credit Card Should I Get ? FAQ
by Ketawa
Tue Apr 21, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card Companion Pass
Replies: 13
Views: 1329

Re: Southwest Credit Card Companion Pass

What is the best way for me to ‘earn’ enough points for the Southwest companion pass this year? Wait until the bonus goes up on the Chase Southwest Plus card, and apply for it. If I spend the points, can they still be used for the companion pass. I was going to apply for one card this month (buying...
by Ketawa
Thu Apr 16, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

I used to deposit and withdraw $500 each month using ACH from USAA to avoid the monthly fee and I didn't have any problems with Mango closing my account. I have also completely emptied an account using ACH when I was expecting to need the cash for a refinance, and I refilled the account shortly after.
by Ketawa
Thu Apr 16, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

Mango and Union Plus are operated by the same bank and are FDIC insured. I have received 1099s from both of them for 2013 and 2014.
by Ketawa
Sun Apr 12, 2015 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5056

Re: Prenup

IANAL, but it seems to me that a representative sample for the success of prenups based on family court is probably severely distorted due to selection bias. Are lawyers that unscrupulous that they would recommend challenging a prenup without a good chance of succeeding?
by Ketawa
Sat Apr 11, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

I was following this guide, It didn't say anything about having to have 50 as the requirement. But if that's the case.. I'll change it to 50 http://thefinancebuff.com/mango-prepaid-card-6-apy-savings-account-a-hidden-gem.html Looks like the terms have changed. You can see lots of references in the ...
by Ketawa
Sat Apr 11, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

I'm pretty sure you need to ACH $50 each month to receive the 6% interest rate.
by Ketawa
Thu Apr 09, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3043

Re: How smart are thermostats?

This is pretty neat and I'd be willing to pay a bit more for those features because I think it would save me money in the long run. How does it get the outdoor temp -- online or a physical sensor? Does it aggregate the numbers and make recommendations? There's also no way it can determine energy us...
by Ketawa
Thu Apr 09, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3043

Re: How smart are thermostats?

I have an Ecobee SmartSi for use with my heat pump and I think it's great. There are three avenues by which I have it set up to limit aux heat usage. 1. It will not use aux heat above a set outdoor temperature. 2. It will not use aux heat if it hasn't been running the compressor for a set time perio...
by Ketawa
Wed Apr 08, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: 50.00 Fee from Fidelity for transfer
Replies: 26
Views: 2405

Re: 50.00 Fee from Fidelity for transfer

It's possible that it was because I was Apex. I think I attained Apex status when I first rolled over to TDA since I had a bunch of free trades and rebalanced frequently. I was under $100k. If you don't lose Apex status, maybe I still had it, even though I typically only had two trades per month for...
by Ketawa
Wed Apr 08, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: SoFi as a fixed income investment?
Replies: 5
Views: 665

Re: SoFi as a fixed income investment?

SoFi is completely different. You invest only in a particular school's pool of debt. For instance the Stanford pool. The Stanford default rate was well under 1% even at the height of the financial crisis. That is the appeal of investing with SoFi and the reason they can offer such low rates on refi...
by Ketawa
Wed Apr 08, 2015 9:30 am
Forum: Investing - Help with Personal Investments
Topic: 50.00 Fee from Fidelity for transfer
Replies: 26
Views: 2405

Re: 50.00 Fee from Fidelity for transfer

How would you transfer a small remaining balance to another Fidelity account? Do you have another Roth IRA at Fidelity? Otherwise, the money is stuck in the Roth IRA until you take a distribution. Vanguard is the only fund company I know of that does not charge an account closure fee. However, I rec...
by Ketawa
Wed Apr 08, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: SoFi as a fixed income investment?
Replies: 5
Views: 665

Re: SoFi as a fixed income investment?

SoFi has only been around since 2011. Repayment rates would be influenced by the fact that the economy has been improving almost constantly since the company was founded. These bonds probably perform very poorly in bad times when defaults go up. If I had to guess, student loans are probably close in...
by Ketawa
Fri Apr 03, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: In my situation, would you pay down mortgage?
Replies: 31
Views: 1462

Re: In my situation, would you pay down mortgage?

You didn't mention if you itemize tax deductions, and your marginal tax bracket. Moving soon tilts the analysis towards prepaying the mortgage, since you will realize the gains from extra payments sooner. Let's say you move in 5 years and you are taking the standard deduction. Prepaying now is equiv...
by Ketawa
Thu Apr 02, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2990

Re: The Credit Card Game

I have applied for and been approved for 16 credit cards in the last 16 months, along with 2 car loan refinances and a mortgage refinance. I have also closed some CC accounts. One of my FICO scores is marginally higher than when I started, in the 770s, per Barclays. I have started to scale back some...
by Ketawa
Thu Apr 02, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

ah okay, is there any difference between mango, union, netspend? I'd like to have multiple accounts to get most out of the interest, but trying to keep things simple. How much are you guys pushing in the ACH? Is there a minimum that has to be deposited every month for it to work? Say $50? Or could ...
by Ketawa
Wed Apr 01, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

ACH push - send money from X to Y, using X account to initiate the transaction. You're pushing the money from X to Y. ACH pull - send money from X to Y, using Y account to initiate the transaction. You're pulling the money from X to Y. I would say most checking accounts let you ACH push, but not all...
by Ketawa
Wed Apr 01, 2015 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 203
Views: 103528

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

You can use an ACH push from another checking account. I use USAA and it works, and I think I have also used NFCU in the past.

FWIW Santander no longer recognizes ACH push from some banks/CUs as a direct deposit. I have closed my Santander account.
by Ketawa
Mon Mar 30, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Should a BH investor never use futures/options?
Replies: 70
Views: 4683

Re: Should a BH investor never use futures/options?

Once again, no. This is not what you get paid for at all. Let's break it down, shall we. The put option I sold means that: a) I am willing to buy stocks once they fall 5%. b) But rather than buying right away, I am willing to spend a limited amount of time after the drop sitting on pure, unrewarded...
by Ketawa
Mon Mar 30, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: Should a BH investor never use futures/options?
Replies: 70
Views: 4683

Re: Should a BH investor never use futures/options?

Lots of uninformed responses in this thread. There is at least one reason that a BH might use options, and that is to TLH when equities go up. Generating TLH opportunities by writing call options I do not implement this strategy right now since I have a mortgage and prioritize paying it down first, ...
by Ketawa
Sat Mar 28, 2015 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 17
Views: 1736

Re: Converted to Roth TSP and my taxes doubled!!

Check IRS Publication 15-A to calculate exactly how much will be withheld from your paycheck. There are tables that detail the calculation based on pay period, monthly taxable income, and withholdings. Traditional TSP contributions are deducted from your taxable income before entering into the table...
by Ketawa
Fri Mar 27, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 64
Views: 3606

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
Thu Mar 26, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: When everyone "knows" the euro will fall
Replies: 7
Views: 1353

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
Wed Mar 25, 2015 5:04 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity offer to match IRA contributions
Replies: 12
Views: 2305

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
Tue Mar 24, 2015 9:50 pm
Forum: Investing - Theory, News & General
Topic: Econtalk on Investing/Data Mining/Statistical Significance
Replies: 4
Views: 513

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 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity offer to match IRA contributions
Replies: 12
Views: 2305

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 7:50 pm
Forum: Investing - Theory, News & General
Topic: When everyone "knows" the euro will fall
Replies: 7
Views: 1353

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 8:19 am
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4650

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 8:00 am
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 71
Views: 6471

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
Thu Mar 19, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Santander Bank - missing $20 bonus
Replies: 1
Views: 331

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 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Santander Bank - missing $20 bonus
Replies: 1
Views: 331

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 4:40 am
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 128
Views: 10827

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
Wed Mar 18, 2015 8:14 pm
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 128
Views: 10827

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 5:46 pm
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 128
Views: 10827

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. ...

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