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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
Fri Feb 13, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2087

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
Mon Feb 02, 2015 2:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage Change - Interactive Brokers or Robinhood
Replies: 21
Views: 1305

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 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: iShares Files for Intl Quality and Momentum Factor ETFs
Replies: 28
Views: 2212

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
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: 2212

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 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 75
Views: 9083

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
Thu Jan 29, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing strategies for Cash?
Replies: 3
Views: 813

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 6:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Fire Wife's Advisor and Incur Tax Hit or Stay The Course?
Replies: 19
Views: 1915

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
Tue Jan 20, 2015 6:22 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 307
Views: 36092

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
Sat Jan 17, 2015 2:54 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 307
Views: 36092

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: 307
Views: 36092

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
Wed Jan 14, 2015 4:46 am
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 49
Views: 10163

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
Tue Jan 13, 2015 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 307
Views: 36092

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
Sun Jan 11, 2015 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7494

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
Thu Jan 08, 2015 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 7867

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
Sun Dec 28, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Favorite computer apps when travelling
Replies: 19
Views: 2180

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
Sat Dec 27, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2416

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
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: 2159

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
Thu Dec 04, 2014 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 13
Views: 1523

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

You might reconsider adding to your REIT position. Do a search on Bernstein and REIT .
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: 1242

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 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2931

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 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Who do you listen to? (Podcast, etc)
Replies: 32
Views: 3720

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
Tue Dec 02, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurance for 5 Month International Travel
Replies: 9
Views: 1331

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 3:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 59
Views: 8959

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 3:07 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 17054

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
Wed Nov 26, 2014 12:36 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 307
Views: 36092

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
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: 27007

Re: Help getting AQR research paper

Any luck finding the paper?
by Oliver
Sat Nov 22, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Help getting AQR research paper
Replies: 4
Views: 621

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
Sat Nov 22, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Finding Smart Beta in the Factor Zoo
Replies: 35
Views: 2912

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 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Queston About Allocation of Assets
Replies: 10
Views: 1355

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 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 4968

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
Thu Nov 20, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs at different brokerages
Replies: 3
Views: 653

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 5:58 am
 
Forum: Investing - Theory, News & General
Topic: Nice 'Free' Asset Allocation Spreadsheet
Replies: 2
Views: 1437

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...
by Oliver
Wed Nov 19, 2014 2:23 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 31
Views: 4336

Re: Schwab Windhaven Funds vs Vanguard 3 Funds

If you are still willing to pay an advisor, I would look at a low cost advisor that uses dfa mutual funds.
by Oliver
Wed Nov 19, 2014 2:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Windhaven Funds vs Vanguard 3 Funds
Replies: 23
Views: 3167

Re: solo 401k providers

I have no info on the quality of the providers. However, this blog lists some others. http://www.biggerpockets.com/blogs/3441/blog_posts/28085-list-of-solo-401k-providers Pensco Trust Company: https://www.pensco.com/OpenAnAccount/Solok Millenium Trust Company: http://www.mtrustcompany.com/Site-Navig...
by Oliver
Mon Nov 17, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: solo 401k providers
Replies: 2
Views: 327

Re: Navy Federal GO Prepaid Card: travel abroad

I have noticed that the atm fees charged by owner of the atm have gone up a lot. I have a Schwab bank account atm that reimburses me for any charges and Schwab does not charge an atm fee. I would look over at flyertalk.com for complete info.
by Oliver
Sun Nov 16, 2014 2:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal GO Prepaid Card: travel abroad
Replies: 5
Views: 787

Re: Where does HSA money go?

No problem. Your HSA remains until you take it out. Just switch to whichever plan makes sense.
by Oliver
Sun Nov 16, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Where does HSA money go?
Replies: 7
Views: 1244

Re: Retirement-Order of sale of investments

When you are looking at taxes, do not forget the health insurance subsidy. In addition, figure out if you will have to take some tax deferred money out sometime during early retirement. In which case, you need to estimate what your tax situation will look like then. In other words, what would your t...
by Oliver
Sun Nov 16, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement-Order of sale of investments
Replies: 11
Views: 1614

Re: Health Equity HSA--New Passive Plan

I'm self-employed. I have $0 in HSA, and want to start in 2015 with maximum annual contributions. I want to use none of it for medical, and all of it for retirement savings. Which HSA provider is the best for me for low cost and Vanguard funds? I went with Saturna. I will be purchasing an etf rathe...
by Oliver
Thu Nov 13, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 10971

Re: HSA Account and LOW deductible insurance

Your employer probably paid the fees for your HSA account. You should check out the fees at your current provider and others. With such a low balance, you could probably use up the balance in a year. I take it you did not pay $500 in unreimbursed expenses. Dental work counts if it is not for cosmeti...
by Oliver
Thu Nov 13, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Account and LOW deductible insurance
Replies: 3
Views: 314

Re: What to do w/space under 15% Fed bracket limit?

If you purchased health insurance from your state marketplace or the federal marketplace, the subsidy can make the cost of taking those gains or converting to a Roth prohibitive. The subsidy has totally demolished my plans to convert to a Roth and modify my financial plan.
by Oliver
Thu Nov 13, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do w/space under 15% Fed bracket limit?
Replies: 21
Views: 2981

Re: Where should I rollover my HSA?

If you think that you will be contributing in the future, you could move it to Saturna, you would need to make one transaction a year to avoid an inactive free. One trade at the Brokerage is $15. That would be the equivalent of a 1% additional fee on $1500. You could look for a bank without fees unt...
by Oliver
Thu Nov 13, 2014 4:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I rollover my HSA?
Replies: 5
Views: 664

Re: HSA allocation

If you have taxable funds to pay the maximum out of pocket, I would invest in a fund that has a high expected return and higher risk. I place funds with the highest expected return in my Roths and HSA accounts. Given that you are at TD Ameritrade, I would consider an AQR fund.
by Oliver
Thu Nov 13, 2014 3:51 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA allocation
Replies: 9
Views: 938

Re: Smartphone questions

I've got a OnePlus One. So far i'm very happy with it. Especially for the price. You are not the only one! It is a great phone. I upgraded from a Nexus 5 (a good phone) and it was a great decision. If you travel overseas, you will learn to appreciate LTE overseas (LTE works on T-Mobile & ATT).
by Oliver
Mon Nov 10, 2014 2:31 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10632

Re: Which Chromebook?

If you decide to go the chromebox route, Amazon has one for $130. (This is an FYI, not a recommendation, as I have not researched chromebook.)

http://www.amazon.com/HP-Chromebox-CB1- ... 8a1af7674c
by Oliver
Mon Nov 10, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 5415

Re: Which Chromebook?

I picked up an Acer 720. I purchased a refurbished model for $150 on Amazon. They may still have them periodically.

PS I would only by a refurbished chromebook if it was refurbished by the manufacturer.

PS I like the chromebook a lot.
by Oliver
Sun Nov 09, 2014 5:35 am
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 5415

Re: Fidelity HSA Questions

You could always transfer your account to another provider. The important cost would be the cost to transfer out. I know that Saturna charges a $75 fee. It is a very low cost provider. I will be opening an account momentarily. If you have substantial assets, it may not be the best. (I am assuming th...
by Oliver
Sun Nov 09, 2014 5:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 1037

Re: ObamaCare vs. Private Insurance??

Check out the the estimates at the site below (can be tailored to your state). Given the cost differential, I chose to purchase through the marketplace. I went with a high deductible plan and opened a hsa. You apply the subsidy to whichever plan you prefer. http://kff.org/interactive/subsidy-calcula...
by Oliver
Fri Nov 07, 2014 3:33 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 12340

Re: Advice on Buying int TIPS Fund?

If this were an ira, I would suggest purchase of an actual TIPS bond. In general, I am a big fan of owning government bonds directly. There is no reason to pay an ER for a government bonds. No comment on the timing issue. Just be aware that real tips yields are low. I wish I could predict future yie...
by Oliver
Fri Nov 07, 2014 3:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Buying TIPS Fund?
Replies: 6
Views: 675

Re: Help for Irish investors

Does interactive brokers operate in Ireland? I believe that they would have one the lowest forex cost.

PS IB would give you access to a number of stock exchanges throughout the world.
by Oliver
Tue Nov 04, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for Irish investors
Replies: 9
Views: 984
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