Search found 158 matches

by Oliver
Fri Aug 21, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2385

Re: Cell Phone Reception

If you need to purchase a phone , consider a Moto Pure/Style. It will work on all the USA carriers and in most countries. A flagship phone for a reasonable price. Switching carriers is a lot less painful if you do not have to toss the phone or pay to break your contract.
by Oliver
Wed Jul 15, 2015 12:20 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 419
Views: 80186

Re: Rick Ferri looking to internationalize his portfolio

I will speculate out the wazoo here: I think someone was paid as a consultant in changing some of the international indexes in order to make sure they better reflected the world market weights especially of the Chinese local market. Perhaps they had to sign a non-disclosure agreement and also an ag...
by Oliver
Wed Jul 15, 2015 12:07 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller's Continuing Demise
Replies: 36
Views: 6071

Re: Robert Shiller's Continuing Demise

It is a great value play. It is NOT a great momentum play.

PS I am underweight European stocks, I will probably put some "play" money into the Greek stock market .
by Oliver
Thu Jul 02, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5821

Re: Best Cell Plan?

T-Mobile will unlock your phone for free, since you have had an account with them for awhile. (Just say you are going overseas.). You should verify that your phone supports att LTE bands before you switch to an att mvno. You might be restricted to 3g speeds. PS You should also check compatibility wi...
by Oliver
Wed Jun 24, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Decumulation Phase and BH principles
Replies: 49
Views: 6238

Re: Decumulation Phase and BH principles

...Staying the course and not falling for predatory schemes and confusing, overly complicated systems would also benefit retirees. Agreed, and that's actually benefit of those wage replacement tools, reduces the risk you do something silly later in life when our mental faculties may not be what the...
by Oliver
Tue Jun 23, 2015 11:04 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8828

Re: Best "All Around Lens" for Nikon DSLRs?

You might check what focal lengths you actually have usually used in the past. There are software programs which will give you this info. http://photo.stackexchange.com/questions/7268/what-software-can-show-my-most-frequently-used-focal-length PS I do not have any knowledge of the relative merits of...
by Oliver
Tue Jun 23, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 63
Views: 7289

Re: Interactive Brokers (Best Kept Secret)

This is one of the threads where I read where I start to think people are paid to come on this forum and promote certain products. :x Actually IB is a great broker. (Unfortunately, no one has paid me to say it.) I know upthread some have pointed out free ETF trades at other brokers versus $1 fee. I...
by Oliver
Tue Jun 16, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 618
Views: 69613

Re: QSPIX - thoughts on interesting fund

I will be investing between 5% to 10% of my portfolio in QSPIX. Of all the downsides mentioned in this thread, I find that I do not have a good handle on third party risk. The risk of a third party being unable to fulfill its obligations is most likely to occur during (or cause) a financial crisis w...
by Oliver
Tue Jun 16, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 618
Views: 69613

Re: A second look at QSPIX

I decided to take another look by going to Morningstar , the most reliable source of objective information about mutual funds. This is a small portion of what I found on their website for "AQR Style Premia Alternative I QSPIX. * QSPIX has an estimated 10-year cost of $2,944 . For comparison, V...
by Oliver
Thu Jun 11, 2015 7:15 pm
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 154
Views: 17442

Re: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)

I used to believe that bonds should always be in a tax deferred account, if available. In a world with extremely low interest rates, the optimal location has become less obvious to me. Academic papers that do not reflect our current low interest rates are of dubious value. Personally, I have bonds i...
by Oliver
Thu Jun 11, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 3831

Re: Disadvantages from moving 401k to IRA

If your 401k has only pretax dollars, you might consider transferring to a solo 401k.
by Oliver
Tue Jun 09, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2725

Re: Secondary CDs

Given current interest rates, I think buying CDs directly with taxable dollars is more interesting. I like the ability to earn a rate higher than government bonds with the option to cash the CD early with only a couple of months interest as a penalty. PS You could transfer part of your IRA to a bank...
by Oliver
Tue Jun 09, 2015 5:32 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 618
Views: 69613

Re: QSPIX - thoughts on interesting fund

DaufuskieNate wrote:Anyone who wants to go beyond the marketing literature and learn more about the theoretical underpinnings of this fund should read Antti Ilmanen's book Expected Returns.
I second the recommendation!!
by Oliver
Tue Jun 02, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 23
Views: 1898

Re: Tips for extended European Trip

I would pick up 2 cell phones that support the European LTE bands. This will supply you with relatively secure internet when you purchase local Sim cards. It will also allow you to coordinate your activities. You might consider the Oneplus One. It supports a broad number of international LTE bands ...
by Oliver
Thu May 28, 2015 3:30 am
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 23
Views: 1898

Re: Tips for extended European Trip

I would pick up 2 cell phones that support the European LTE bands. This will supply you with relatively secure internet when you purchase local Sim cards. It will also allow you to coordinate your activities. You might consider the Oneplus One. It supports a broad number of international LTE bands p...
by Oliver
Thu May 28, 2015 3:13 am
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 9937

Re: I found a new coffee.

I buy whole bean coffee from Sam's Club. I find most of their coffees to be of good quality - I've tried the member's mark, european cafe, and starbucks house roasts and I've liked them all. I then use an aeropress to make my coffee. I like it because you can just use a normal grinder for the beans...
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: 14
Views: 2498

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: 118
Views: 10387

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: 42
Views: 6332

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: 42
Views: 6332

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: 879

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: 388

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: 1365

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: 879

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: 633

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: 4283

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: 1979

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: 3193

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: 2897

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: 3782

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: 3101

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: 5917

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: 4843

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: 2561

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: 3193

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: 2569

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: 2569

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: 137
Views: 19861

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: 905

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: 2032

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: 320
Views: 44739

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: 320
Views: 44739

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: 320
Views: 44739

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: 67
Views: 15520

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: 320
Views: 44739

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: 7801

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: 9605

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: 2355

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: 2589

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: 2277

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...

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