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by Oliver
Tue May 19, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Another look at why it's important to globally diversify
Replies: 9
Views: 1439

Re: Another look at why it's important to globally diversify

Argentina was in the top 10 wealthiest countries in the world around 1920.
by Oliver
Mon May 18, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8520

Re: What's so great about simplicity?

For most Vanguard investors, a simplified portfolio will make it easier to qualify for Admiral Shares, resulting in lower fees. Directly impacting your returns. A number of years ago I converted my Investor class European, Pacific and Emerging Vanguard mutual fund shares to equivalent vanguard ETFs...
by Oliver
Sat May 16, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3650

Re: No Foreign Fee Credit Card - Exchange Rate

Lazysundays wrote:Definitely a perk of the Schwab debit card. Refunds in ATM fees and awesome foreign exchange on ATM use.

+1. The debit card is great!!
by Oliver
Sat May 16, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3650

Re: No Foreign Fee Credit Card - Exchange Rate

It will be critical to inform capital one of your international travel. If you do not inform them expect to have your credit card declined. I would also carry a backup card, they are very very aggressive in preventing fraud.
by Oliver
Mon May 11, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank of America?
Replies: 6
Views: 726

Re: HSA Bank of America?

Thanks Oliver, Saturna looks like a good option. I am assuming they have the Vanguard funds but can't find any information online. I would read the thread below on Saturna. Purchasing a Vanguard mutual fund costs more than buying a Vanguard ETF. I decided to purchased an etf in my HSA and choose no...
by Oliver
Mon May 11, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fees Associated with Moving $ to the USA
Replies: 2
Views: 313

Re: Fees Associated with Moving $ to the USA

Do not forget the cost of converting the money to USD. Below is some info from a Canadian perspective.

http://blog.plsoucy.com/2012/11/best-wa ... e-on-fees/
by Oliver
Sun May 10, 2015 8:17 pm
Forum: Personal Consumer Issues
Topic: International rental car insurance
Replies: 17
Views: 1072

Re: International rental car insurance

I believe Milage Plus explorer card provides free primary insurance. The card costs $50 after the first year but gives you a free checked bag on united flights and no markup on international purchases. I believe it does not include any liability coverage. PS You should get a signup mileage bonus. PP...
by Oliver
Fri May 08, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank of America?
Replies: 6
Views: 726

Re: HSA Bank of America?

You might check out Saturna. They have a brokerage option $14.95/ trade (mutual funds higher transaction fee). No monthly/annual fees. (See wiki and Saturna thread). I think Saturna is a great if you are planning to use your HSA account as an investment vehicle.
by Oliver
Sat May 02, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Nepal Earthquake Relief - How To Donate
Replies: 14
Views: 530

Re: Nepal Earthquake Relief - How To Donate

I know Direct Relief allows PayPal donations. I always check Charity Navigator reviews of charities before I donate.

http://www.directrelief.org/
http://www.charitynavigator.org/index.c ... UT_fYm3NeQ
by Oliver
Fri May 01, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 3580

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I use my Nexus 7 (2013) and my Oneplus One when I travel. If I were you, I would try your phone as your sole device for a couple of weeks at home. If the phone or your phone plus tablet does the work for you, you might try a Chromebook.
by Oliver
Fri May 01, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: Brokerages
Replies: 19
Views: 1863

Re: Brokerages

I did find that vanguard and Fidelity had better rates on brokered CDs that TD Ameritrade.
by Oliver
Fri May 01, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Change - Interactive Brokers or Robinhood
Replies: 28
Views: 2710

Re: Brokerage Change - Interactive Brokers or Robinhood

If you need to borrow, using a margin loan from IB is the cheapest source I have found. I started my account at IB when vanguard index funds excluded Canadian stocks (USA, Pacific, European and Emerging). You can invest in Canadian stocks on the Canadian exchanges. In addition, you can invest direct...
by Oliver
Fri May 01, 2015 5:38 pm
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 2569

Re: If You Were Going To S. America ...

I really enjoyed Ecuador - volcano climbing, interesting culture, and a small slice of the Amazon basin as well. Quito has big-city crime issues (thus no-go places and times) but I felt extremely safe in the rest of the country, including the lovely resort town Banos. Spanish is spoken slowly, clas...
by Oliver
Fri May 01, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: the missing value premium
Replies: 34
Views: 3329

Re: the missing value premium

PS in case not aware those who are interested in my musings you can also find them at mutualfunds.com Don't worry I have a Google Alert set up to send me an email whenever new "Larry Swedroe" content is posted on the web. I recommend other Swedroeheads do the same! :wink: You are not the ...
by Oliver
Thu Apr 16, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which brokers trade dollar listed ETFs on London Stock Exch
Replies: 44
Views: 2718

Re: Which brokers trade dollar listed ETFs on London Stock

Thanks, but if I open an account in Interactive, which is an USA company, won't I be liable for 35% estate tax on my assets over $60,000 upon my death? Saxo does not list these ETFs and I got a reply saying that their system won't "support 2 currencies on 1 ISIN in 1 exchange due to system lim...
by Oliver
Thu Apr 16, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 28
Views: 4921

Re: HSA account with the lowest cost: HSA bank or Vanguard?

I'm using Elements. I have over $2500 account balance so zero fees and earn 1% on my balance. My last transfer to TD Ameritrade was before they instituted their new $25 wire transfer fee but even with the fee which I will only be paying once a year, Elements still comes out ahead of all the other o...
by Oliver
Thu Apr 16, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4162

Re: Inexpensive Smartphone

If data is important and T-Mobile coverage is good in your area there is a great high end smart phone for $350. Checkout the Oneplus One. PS I use the $35 prepaid T-Mobile plan. It only has 100 minutes but I use Google voice to achieve unlimited calling. PPS the Oneplus One is also compatible with a...
by Oliver
Fri Feb 13, 2015 7:27 am
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2310

Re: Time to finally purchase nice bedding - thoughts?

http://thesweethome.com/reviews/best-sheets-new/ indicates LL Bean percale 280 thread sheets are the best.
by Oliver
Mon Feb 02, 2015 2:51 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Change - Interactive Brokers or Robinhood
Replies: 28
Views: 2710

Re: Brokerage Change - Interactive Brokers or Robinhood

I think many people get free ETF trades at other brokers, so that's why they don't like the $1 commissions. The margin rates are progressive, so you need to borrow about $200k to get the total rate to 1.35%. Still IB has some of the lowest margin rates around. The only complaint that I have is that...
by Oliver
Sat Jan 31, 2015 11:14 pm
Forum: Investing - Theory, News & General
Topic: iShares Files for Intl Quality and Momentum Factor ETFs
Replies: 28
Views: 2435

Re: iShares Files for Intl Quality and Momentum Factor ETFs

Have you looked at AQR International Core Equity Fund Class L (QICLX)? Depending on how effectively it captures the factors, it may be the best choice despite an er of .70%.
by Oliver
Sat Jan 31, 2015 10:59 pm
Forum: Investing - Theory, News & General
Topic: iShares Files for Intl Quality and Momentum Factor ETFs
Replies: 28
Views: 2435

Re: iShares Files for Intl Quality and Momentum Factor ETFs

How does IEIS stack up? iShares Enhanced International Small-Cap ETF attempts to capture quality, value, and size factors.

PS Only 11 months of data.
by Oliver
Thu Jan 29, 2015 10:37 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 113
Views: 15298

Re: Is it time to give-up on TIPS?

I really like TIPS. However, I am considering selling some of my TIPS and purchasing CDs. Swedroe had an interesting article about this. http://www.etf.com/sections/index-investor-corner/swedroe-close-look-zweig%E2%80%99s-tips-tip PS Recently, TIPS have gone higher (yield lower) than mentioned in th...
by Oliver
Thu Jan 29, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing strategies for Cash?
Replies: 3
Views: 854

Re: Investing strategies for Cash?

7) Put in a non deductible IRA and then convert to ROTH (but that would be only $5500 for both of us If you did the non deductible IRA for three years ($33,000), you would have over 20% of the money in a ROTH. PS Investing in a startup business is extremely risky. Google - small business startup fa...
by Oliver
Tue Jan 20, 2015 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Fire Wife's Advisor and Incur Tax Hit or Stay The Course?
Replies: 19
Views: 1974

Re: Fire Wife's Advisor and Incur Tax Hit or Stay The Course

Livesoft is right, if you have been paying your taxes every year you have no untaxed capital gains this year except what have occurred since Jan 1 2015, which for most of us is zero. When an interest payment or capital gain appears on a 1099, you pay taxes on it. It makes no difference if interest ...
by Oliver
Tue Jan 20, 2015 6:22 am
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 319
Views: 41356

Re: An alternative to alternative investments [QSPIX]

divotmaker wrote:Thanks for the replies.

I am exploring Ilmanen writings directly to try to better comprehend the basis of this strategy.

His book is one of the best investing books. It is well worth reading.
by Oliver
Sat Jan 17, 2015 2:54 am
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 319
Views: 41356

Re: An alternative to alternative investments [QSPIX]

Other notes: QSPIX has a $100,000 minimum in my Fidelilty brokerage link with a $49.95 transaction fee. QSPNX has a $500 minimum and has no transaction fee. However, ER for this fund is 1.75% rather than 1.5% for QSPIX. PS I am considering moving an IRA over to Fidelity to purchase this fund. (The ...
by Oliver
Fri Jan 16, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 319
Views: 41356

Re: An alternative to alternative investments [QSPIX]

Other notes: QSPIX has a $100,000 minimum in my Fidelilty brokerage link with a $49.95 transaction fee. QSPNX has a $500 minimum and has no transaction fee. However, ER for this fund is 1.75% rather than 1.5% for QSPIX. PS I am considering moving an IRA over to Fidelity to purchase this fund. (The ...
by Oliver
Wed Jan 14, 2015 4:46 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 57
Views: 12450

Re: my review of my HSA with Saturna brokerage

FYI I placed an order to trade the full amount in my account to buy VFIFX. Saturna modified it to withold $24.95 which I assume is their commission. Sounds like a $14.95 commission plus a $10.00 additional fee. Hm. The $10 additional fee is for Vanguard only. I spoke to them on the phone, the reaso...
by Oliver
Tue Jan 13, 2015 11:13 pm
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 319
Views: 41356

Re: An alternative to alternative investments [QSPIX]

Other notes: QSPIX has a $100,000 minimum in my Fidelilty brokerage link with a $49.95 transaction fee. QSPNX has a $500 minimum and has no transaction fee. However, ER for this fund is 1.75% rather than 1.5% for QSPIX. FWIW I'm adding a 10% slice of QSPNX tomorrow. I like how it plays with my othe...
by Oliver
Sun Jan 11, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7609

Re: We miss Larry Swedroe

I get my Swedroe fix from Google. I set up a daily Google Alert for mentions of Larry Swedroe.

https://www.google.com/alerts
by Oliver
Thu Jan 08, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 8772

Re: Best Online Savings bank

It seems from the posts that using Ally is good in the US. I recently emailed Ally to ask about doing ATM withdrawals when OUTSIDE the US. Here is their response below. When using an ATM in a foreign country, using my local bank, I only had a simple ATM fee, no fee as a percentage of the amount wit...
by Oliver
Sun Dec 28, 2014 12:05 am
Forum: Personal Consumer Issues
Topic: Favorite computer apps when travelling
Replies: 19
Views: 2269

Re: Favorite computer apps when travelling

l2ridehd wrote:Any Trail pro. Gives you any hiking trails close to you and uses gps to keep you on the trail while hiking and will tag any pictures you take to the location on the trail where taken

Could you double check the name of the app?

Thanks!
by Oliver
Sat Dec 27, 2014 11:24 pm
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2518

Re: new tablet/smart phone question

Get the Oneplus. You can probably survive with 16gb which will only put you back $299. It is non-contract, cost less than a Nexus 5 with specs almost matching that of Nexus 6. I'm feeling generous, here is the url: https://oneplus.net/ Only catch is that you need an invite in order to buy it. Invit...
by Oliver
Mon Dec 15, 2014 5:26 am
Forum: Investing - Theory, News & General
Topic: Int'l small value exposure without the negative MOM?
Replies: 18
Views: 2233

Re: Int'l small value exposure without the negative MOM?

This ETF might screen for negative MOM. STRATEGY AND INVESTMENT PROCESS IEIS employs a research-based investment process to combine quality, value, and size factors: • Quality: Companies with consistent and stable earnings • Value: Companies with lower relative valuations • Size: Companies with lowe...
by Oliver
Thu Dec 04, 2014 6:21 am
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 13
Views: 1665

Re: HSA

I went with Saturna. Primarily I am choosing it as a low cost option, $15/year {1 trade/year). Here is the info from the wiki. Saturna Capital offers a stand-alone brokerage account through Pershing. You do not need a separate bank account with the HSA. There is no monthly maintenance fee. Vanguard ...
by Oliver
Wed Dec 03, 2014 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k - 100% to REIT index?
Replies: 10
Views: 1354

Re: New 401k - 100% to REIT index?

You might reconsider adding to your REIT position. Do a search on Bernstein and REIT .
by Oliver
Tue Dec 02, 2014 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 3036

Re: Fidelity or Schwab Brokerage account

In addition to the normal considerations, you might look at the bonus for opening an account. Last time I looked getting miles from Fidelity was a good deal. AQR funds are available at Fidelity but some/all?? should be held in a tax a advantaged account.
by Oliver
Tue Dec 02, 2014 10:44 pm
Forum: Personal Consumer Issues
Topic: Who do you listen to? (Podcast, etc)
Replies: 32
Views: 3947

Re: Who do you listen to? (Podcast, etc)

I liked this podcast interview of Swedroe on Blomberg's Masters in Business

http://www.bloombergview.com/articles/2 ... ry-swedroe
by Oliver
Tue Dec 02, 2014 10:31 pm
Forum: Personal Consumer Issues
Topic: Health Insurance for 5 Month International Travel
Replies: 9
Views: 1362

Re: Health Insurance for 5 Month International Travel

Blue Cross has an international plan for those who have a USA based insurance plan. I have not investigated it yet.
by Oliver
Wed Nov 26, 2014 3:27 am
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 59
Views: 9271

Re: Why should I avoid REITs?

Since almost all the income of a reit is distributed, there is almost no reinvestment. The yield is pretty much your expected return. In addition, you should expect them to go down if interest rates increase. At this time, I would not invest in them. You are taking equity type risks with limited ups...
by Oliver
Wed Nov 26, 2014 3:07 am
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 18099

Re: 23 year old... Can I afford a Rolex?

While you are thinking it over, pick up an Orient "mako" or "ray" automatic watch. Orient actually manufacture all of its movements in-house in Japan. Great watch at a boglehead price. Is it the same as rolex? No. However, does it satisfy 20%, 40%, 80% of your rolex lust. If you ...
by Oliver
Wed Nov 26, 2014 12:36 am
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 319
Views: 41356

Re: An alternative to alternative investments [QSPIX]

TDA doesn't seem to offer all the AQR funds. Through my IRA, QSPIX specifically says "Not Available through TD Ameritrade" and QSPNX has a $1M minimum investment. It seems like Fidelity is the only broker where they are available to retail investors. Thanks Ketawa, I placed an order for Q...
by Oliver
Mon Nov 24, 2014 10:02 pm
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 262
Views: 28034

Re: Why finance research is often wrong - the jelly bean pro

Basically your view is that of an ACTIVE manager, it's judgment that determines whether something is "value " or not. The research on the other hand shows that you can define value using simple metrics of price to something, be it book, sales, earnings, cash flow, ebitda, etc. In all case...
by Oliver
Sat Nov 22, 2014 7:19 pm
Forum: Investing - Theory, News & General
Topic: Help getting AQR research paper
Replies: 4
Views: 645

Re: Help getting AQR research paper

Any luck finding the paper?
by Oliver
Sat Nov 22, 2014 7:17 pm
Forum: Investing - Theory, News & General
Topic: Finding Smart Beta in the Factor Zoo
Replies: 35
Views: 3012

Re: Finding Smart Beta in the Factor Zoo

I found it interesting that the low volatility factor was shown as meeting their criteria. On the other hand, Swedroe is not a fan of this factor based on other research papers. I did read a paper that claimed that the low volatility factor was substantial different in emerging markets (more robust)...
by Oliver
Thu Nov 20, 2014 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Queston About Allocation of Assets
Replies: 10
Views: 1377

Re: Queston About Allocation of Assets

You might consider a brokered CD in your Fidelity 401k (I think it is an option) instead of the bond fund.
by Oliver
Thu Nov 20, 2014 3:14 pm
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 5022

Re: Suggested retirement reading for 60 year olds

Here is a short article from one of the previously mentioned authors. http://wpfau.blogspot.com/2012/04/mike-zwecher-they-each-get-only-one.html Mike Zwecher: They Each Get Only One Whack at the Cat The following is a special guest post by Michael Zwecher, Ph.D. He is the author of the highly worthw...
by Oliver
Thu Nov 20, 2014 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: IRAs at different brokerages
Replies: 3
Views: 665

Re: IRAs at different brokerages

If you are looking to invest in AQR funds, you need to use Fidelity or TD Ameritrade. QSPIX (AQR Style Premia Alternative Fund) is only available at Fidelity or via a financial advisor. For brokered CD, Vanguard offered the highest rate. Fidelity the second highest rate and TD Ameritrade the lowest....
by Oliver
Wed Nov 19, 2014 5:58 am
Forum: Investing - Theory, News & General
Topic: Nice 'Free' Asset Allocation Spreadsheet
Replies: 2
Views: 1453

Re: Nice 'Free' Asset Allocation Spreadsheet

I'm not sure how many people here also follow the Long-Term Returns blog, but on April 1st they posted a nice asset allocation spreadsheet for people to make a copy off. Although I already had my own, this one was much simpler and it seems good for people with multiple funds spread across multiple ...
by Oliver
Wed Nov 19, 2014 2:23 am
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 31
Views: 4444

Re: Ultimate Small Cap Value Portfolio...

... DLS and IJS. ...sooo 2000's. Today, it's all about IEIS and PXSV. :wink: (neither of which do I own) Side questio. Any place that allows one to purchase ieis? All my brokerages have it restricted Fidelity. I haven't bought any. I'll be keeping an eye on spreads though, and at some point may swi...

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