Search found 1651 matches

by Ketawa
Sun Jan 22, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: What do the loading factors in Portfolio Visualizer mean?
Replies: 1
Views: 232

Re: What do the loading factors in Portfolio Visualizer mean?

It has been a long time since I took linear regression. A value of 0.5 means that in a linear regression of the mutual fund performance (dependent variable) against the chosen factors (multiple explanatory variables), e.g. Fama-French research factors available here , the coefficient in front of the...
by Ketawa
Sat Jan 21, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1161
Views: 156037

Re: QSPIX - thoughts on interesting fund

Some of you guys are willing to pay 1.5 to 2% for bond liker returns of 2 to 2.5%? That is like 50% to the manager 50% to you and you take all the risk. My main concern with the alternatives is the math is similar. Packer I don't think anyone in this thread is paying more than 1.50% for QSPIX or 1....
by Ketawa
Tue Jan 17, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2389

Re: Very confused with W4 Allowances

The last time I looked, which was just this moment , you don't have to muck around with allowances at all if you have a fairly good idea of how much your tax will be, or even how much your withholding safe harbor is. Line 6 of the form, as opposed to the worksheets, is "Additional amount, if a...
by Ketawa
Mon Jan 16, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 3129

Re: is a 401k loan always terrible?

This might not be a problem at all, if the borrower has allocated 401k funds in fixed rate investments that carry the same interest rate as the interest rate of the borrowing (or loan) made from the 401k. In many cases, the 401k borrowing is at the same rate as a stable value fund option in the 401...
by Ketawa
Sun Jan 15, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 3129

Re: is a 401k loan always terrible?

401k loans are perfectly fine, depending on how you're using them. This is a classic case of framing bias. Two years ago if you had decided you were going to save that money in a taxable account for a home renovation, you would have sacrificed the tax-deferred 401k space and could not get it back. ...
by Ketawa
Sat Jan 14, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2389

Re: Very confused with W4 Allowances

You can refer to IRS Publication 15 to calculate how much will be withheld from a paycheck based on several inputs. See section 17. If you know your wages (after pre-tax deductions like Traditional 401k), payroll period, marital status, and number of allowances claimed, you can determine the amount ...
by Ketawa
Wed Jan 11, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: AQR Relaxed Constraint Equity Funds
Replies: 26
Views: 2271

Re: AQR Relaxed Constraint Equity Funds

My Roth IRA is currently 100% multi-style funds and the style premia alternative fund. If these become available at Fidelity with low minimums, I'll do my due diligence and see if they're worthwhile. It'll be interesting to see if they are a viable alternative to the multi-style funds, with factor l...
by Ketawa
Wed Jan 11, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1884

Re: Auto Loan [vs. investing]

I wouldn't finance a depreciating asset. Pay cash. There is nothing special about having a depreciating asset and financing it, unless you are considering the possibility of default . You are fully exposed to the asset's loss in value whether you finance it or pay cash. That is exactly what I am do...
by Ketawa
Wed Jan 11, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1884

Re: Auto Loan [vs. investing]

I wouldn't finance a depreciating asset. Pay cash. There is nothing special about having a depreciating asset and financing it, unless you are considering the possibility of default . You are fully exposed to the asset's loss in value whether you finance it or pay cash. That is exactly what I am do...
by Ketawa
Wed Jan 11, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1884

Re: Auto Loan [vs. investing]

It would be really expensive if you took the loan, invested the money, and your investments lost money during the term of the loan. Investing with borrowed money increases the risk of such investments. Why would that be? There's no requirement to sell the investments in a short term. I consider gai...
by Ketawa
Wed Jan 11, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1884

Re: Auto Loan [vs. investing]

Ace$ wrote:I wouldn't finance a depreciating asset. Pay cash.


There is nothing special about having a depreciating asset and financing it, unless you are considering the possibility of default. You are fully exposed to the asset's loss in value whether you finance it or pay cash.
by Ketawa
Wed Jan 11, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1884

Re: Auto Loan [vs. investing]

What would you do? Pay cash and be done with the deal, or finance at 2.19% and invest the difference? Looks like the best rate just went up from 1.99% 12-48 months to 2.19% 12-48 months. Best rate in my area from local bank I deal with. I am leaning towards paying cash and being done with the deal ...
by Ketawa
Mon Jan 02, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205615

Re: What are you up YTD? [Year To Date]

Returns below are calculated using XIRR in Excel. My portfolio is heavily tilted to value, small, momentum, and profitability. 75% equities/15% fixed income/10% alternatives, market cap weights for domestic/intl developed/intl emerging equities. 8.2% Overall 11.0% Equities 18.9% Domestic Equities To...
by Ketawa
Mon Jan 02, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3446

Re: Audiophiles help me with setup

Don't bother with lossless audio unless you are storing it for archival purposes to future-proof your music library. Unless you have very expensive equipment and are trained in noticing the differences, you will not be able to pass an ABX test for the difference between FLAC lossless audio and V0 MP...
by Ketawa
Sat Dec 31, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: When to choose investing over loan repayment?
Replies: 17
Views: 1688

Re: When to choose investing over loan repayment?

Thanks. So for me, a reasonable comparison would be between my 3.5% fixed mortgage with 29.5 years left and a 30 year bond currently yielding 3.07? The appropriate bond for comparison depends on many factors. Some examples: If you keep the same mortgage for 30 years, a single extra payment now shou...
by Ketawa
Thu Dec 29, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 1952

Re: TSP F Fund or Vanguard Funds?

Ahh. Ok. I've missed that, so the return is on top of the loan interest rate? If so, then it's definitely a bit more attractive since it's 2.125%. The current loan interest rate is 2.375%, and that is the G Fund return. The return isn't on top of anything. I've found that, so what's the 1.62% YTD R...
by Ketawa
Thu Dec 29, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; Time value of drawing a pension at 20 years
Replies: 23
Views: 2118

Re: Military Retirement; Time value of drawing a pension at 20 years

Thank you both for the input! Maverick - Great minds think alike! I did create a simple spreadsheet to determine the absolute difference based on today's (after tax) annual sum (assumption = O5 pay/retirement @ 20 years). What I am struggling with is, if one retires from the military at 20 (option ...
by Ketawa
Thu Dec 29, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 1952

Re: TSP F Fund or Vanguard Funds?

bdrolan wrote:Ahh. Ok. I've missed that, so the return is on top of the loan interest rate?

If so, then it's definitely a bit more attractive since it's 2.125%.


The current loan interest rate is 2.375%, and that is the G Fund return. The return isn't on top of anything.
by Ketawa
Thu Dec 29, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement; Time value of drawing a pension at 20 years
Replies: 23
Views: 2118

Re: Military Retirement; Time value of drawing a pension at 20 years

I ran my own analysis of this question by estimating: A: PV of an annuity that starts at age X paying 50% of high 36 basic pay B: PV of an annuity that starts at age X+1 paying 52.5% of new high 36 basic pay C: Annual pay for year 21 D: Annual value of pension if you had retired at year 20 C - D + A...
by Ketawa
Thu Dec 29, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 1952

Re: TSP F Fund or Vanguard Funds?

I've tried to find how TSPFolio figures iut that rate because there are SEC yields/Dividends with the TSP, because it's a trust. The Yields/Dividends are factored into the share prices. Anyone know how this is computed? I do like the other suggestion of just buying the G Fund for my Treasuries and ...
by Ketawa
Sun Dec 04, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4322

Re: Sous Vide?

I just bought the new Anova Wi-Fi model on sale for $127 and used it to cook a 2" thick pork chop last night. Perfect from edge to edge, best pork chop I've ever had. The sous vide cooker is very convenient to use and I'd argue requires less attention than traditional cooking methods with bette...
by Ketawa
Tue Nov 29, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7063

Re: Black Friday - is this overdone?

There are smart ways to do Black Friday-Cyber Monday. My strategy this year was to periodically check the Wirecutter deals page at http://thewirecutter.com/deals/ , where they tweeted out good deals for recommended products from both Wirecutter and Sweethome. It's easy to scroll through the list and...
by Ketawa
Wed Nov 23, 2016 8:43 pm
Forum: Investing - Theory, News & General
Topic: A look at the research and evidence on time-series MOM
Replies: 134
Views: 11035

Re: A look at the research and evidence on time-series MOM

Catching up on some due diligence for potential investments. • Time-series stock momentum fully subsumes cross-sectional stock momentum, while cross-sectional stock momentum cannot capture time-series stock momentum. In addition, the other common factors of market beta, size, and value have little p...
by Ketawa
Mon Nov 21, 2016 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls prepaying real estate taxes with home sale expected?
Replies: 1
Views: 202

Pitfalls prepaying real estate taxes with home sale expected?

I currently own a home and itemize my federal tax deductions. I am in the military and expect to sell my home in 2017 when I move. I will not have enough deductions to itemize next year unless I buy another home, which is unlikely. My real estate taxes are assessed July 1 to June 30 the following ye...
by Ketawa
Mon Nov 21, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: November Returns: TIPs, Small Value, High Yield Rules!
Replies: 16
Views: 2099

Re: November Returns: TIPs, Small Value, High Yield Rules!

... So for example from 1927-2015 the small cap premium averaged 3.3% (i.e. on average small cap stocks outperformed the S&P 500 by 3.3% points). but this outperformance was higher in the high inflation years of 1941-1951 (small cap premium was 5.2%) and 1973-1982 (small cap premium was 8.7%). ...
by Ketawa
Mon Nov 21, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: November Returns: TIPs, Small Value, High Yield Rules!
Replies: 16
Views: 2099

Re: November Returns: TIPs, Small Value, High Yield Rules!

During inflationary environments TIPS and high yield are expected to outperform other bond categories while SCV is expected to outperform in the equity space. Commodities also may benefit relative to other equity assets in an inflationary environment. Before we go running to change asset allocation...
by Ketawa
Sun Nov 20, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2282
Views: 564485

Re: What Movie Have You Recently Watched?

I saw Fantastic Beasts and Where to Find Them last night. I was pretty disappointed. A big chunk of the plot rests on the idiocy of a character that we are supposed to be invested in. It tried to juggle too many plot lines at once and felt like a TV pilot. And even with all those plotlines, almost n...
by Ketawa
Mon Nov 07, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 37
Views: 2762

Re: Cheap, Non-Traditional Cell Phone Plans

It's tough to make specific recommendations without knowing your actual needs in terms of number of lines, voice minutes, data, etc. The most important consideration is the network. Here is a good guide that explains the process you should use when picking a plan and a rundown of some options: http:...
by Ketawa
Tue Oct 25, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 6665

Re: Best Albums of 2016

soboggled wrote:As the kids who actually think all this garbage is music would say: OMG


Yeah, we all know how many professional music critics are kids! http://www.metacritic.com/browse/albums/score/metascore/year?sort=desc&year_selected=2016
by Ketawa
Tue Oct 25, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 6665

Re: Best Albums of 2016

I'm a little behind on seriously listening to some recent stuff, but some of my personal favorites: Beyoncé - Lemonade Carly Rae Jepsen - E•MO•TION Side B Chance the Rapper - Coloring Book Danny Brown - Atrocity Exhibition Explosions in the Sky - The Wilderness Kanye West - The Life of Pablo ScHoolb...
by Ketawa
Fri Oct 21, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 26007

Re: QSPIX Nightmare - Closed Off to Retail Investors

Just FYI, TS MOM fund QMHIX said $100,000 minimum but I'm definitely allowed to purchase less than that. Still debating adding an allocation to that. Just FYI all. Go to the fund research page, "Fees and Distributions" tab, and you can see the minimum IRA investment for the AQR funds. htt...
by Ketawa
Wed Sep 07, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Repay 401k loan vs increased contributions?
Replies: 12
Views: 1320

Re: Repay 401k loan vs increased contributions?

I worked this out in another thread: Any reason to pay down 401k loan? You get a much better return by paying down the 401(k) loan now, and making extra contributions later with the money that would otherwise have gone to the loan payments. Could you please elaborate on this? I also read your other...
by Ketawa
Sat Sep 03, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Repay 401k loan vs increased contributions?
Replies: 12
Views: 1320

Re: Repay 401k loan vs increased contributions?

Can you pay off the entire loan now with part or all of your emergency fund? If so, I would consider doing that. You could invest your 401k more conservatively since you would be using a portion of it as your emergency fund until you are able to replenish your emergency fund outside of the 401k. If ...
by Ketawa
Mon Aug 29, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Anniversary Update is an improvement for me
Replies: 34
Views: 2770

Re: Windows 10 Anniversary Update is an improvement for me

The only, but incredibly annoying, bug I experienced in Windows 10 seems to be fixed in the Anniversary Update. The most efficient way to navigate is typically "Windows key" > "type what you're looking for". However, mine was buggy on both my Windows 10 systems and I could never ...
by Ketawa
Thu Aug 25, 2016 8:05 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value Stewardship Risk in Taxable
Replies: 17
Views: 1591

Re: Small Cap Value Stewardship Risk in Taxable

I guess nobody has found a way to hold the AQR Tax-Managed Multi-Style Funds in taxable? It seems like the minimums at Fidelity are much higher than for the regular versions of the funds in an IRA.
by Ketawa
Mon Aug 15, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Condominium Funds
Replies: 20
Views: 1648

Re: Investing Condominium Funds

I own a condo, and this idea is appalling to me. If my board wanted to do this, I'd think they had grand delusions of being Swensen and running their own endowment. In reality, they'd be running something like a hedge fund where everyone's money was locked up with no ability to withdraw it and very ...
by Ketawa
Wed Aug 03, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6395

Re: Points/Miles Schemes - Waste of time or worth it?

The low-hanging fruit in this is to get signup bonuses for new credit cards, which in my opinion is well worth the time invested. In a little over 2 years, I had 24 new credit cards that gave substantial bonuses after meeting minimum spend. I used the points to take 4 trips that I already planned on...
by Ketawa
Thu Jul 28, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a house while active duty
Replies: 15
Views: 820

Re: Thinking of buying a house while active duty

I bought a house while on active duty, but only because it made sense in the particulars of my current assignment. I am in this billet for 4 years and my analysis showed that I would come out ahead vs renting in most circumstances. However, I could have lost vs renting if home prices fell far enough...
by Ketawa
Sun Jul 17, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Whether to put 20% or 10% down on house
Replies: 20
Views: 2522

Re: Whether to put 20% or 10% down on house

It's probably a far better deal to put down 20% instead of 10%. The reason for this is that a loan with only 10% down will typically have a higher interest rate which affects a far larger balance than the difference in down payment. Take this example. NFCU also offers loans with 10% down and no PMI....
by Ketawa
Sat Jul 09, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 334
Views: 55353

Re: An alternative to alternative investments [QSPIX]

How are people currently getting access to QSPIX? I'm unable to add any more funds to my position at Fidelity. Currently at about 3.5% allocation. Fidelity shut down access to QSPIX a while ago. Scottrade also closed off access to all AQR funds sometime this year, I think it was in March. I believe...
by Ketawa
Tue Jun 28, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: New Military Blended Retirement System starting in 2018
Replies: 36
Views: 4642

Re: New Military Blended Retirement System starting in 2018

I made some calculations that I posted in this thread: New Military Retirement System . It's important to note that the value of the pension (an annuity) increases with lower interest rates. At the time of the post, the annuity interest rate was 2.125%. Now it's down to 1.625%. Nobody knows when or ...
by Ketawa
Mon Jun 13, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Brooklyn Bedding or Bed in a box anyone?
Replies: 8
Views: 735

Re: Brooklyn Bedding or Bed in a box anyone?

I am a large (6'5", 230 lbs) back/stomach sleeper. I tried three mattresses - Leesa, Casper, and Brooklyn Bedding firm. I found that the Brooklyn Bedding firm mattress met my needs and returned the Leesa and Casper mattresses. Leesa was too soft and slept hot for me. The Casper was a little bet...
by Ketawa
Wed May 25, 2016 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Selling VTI Covered Calls
Replies: 30
Views: 2384

Re: Selling VTI Covered Calls

To me, options are nothing more than a way to change the distribution of potential outcomes. I believe the market is generally efficient; criticisms such as "you don't know what you're doing, the institutional guys will eat you alive" don't hold any water with me. After all, it's easy to t...
by Ketawa
Fri Apr 22, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Should I bother with Options Trading?
Replies: 36
Views: 3259

Re: Should I bother with Options Trading?

Options are a tool to change the distribution of outcomes in a zero sum game minus commissions, nothing more. I messed around with options as a TLH strategy 3 years ago. The idea was that TLH is most beneficial to a young investor with many years left until gains will be realized, but these investor...
by Ketawa
Thu Apr 07, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 26007

Re: QSPIX Nightmare - Closed Off to Retail Investors

I made my 2016 Roth IRA contribution in Scottrade before AQR funds were no longer available. I just transferred the entire balance (~$5500) to Fidelity. Scottrade assessed the $75 account closing fee against my Fidelity account, cash balance was in the negative. Fidelity reimbursed the fee no questi...
by Ketawa
Thu Feb 18, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 15414

Re: Weight Loss Plans?

I read Why We Get Fat by Gary Taubes and implemented a low carb diet. So far, I have lost about 1 pound per week. I have eaten bacon/sausage & eggs for breakfast every day and one week I had steak 6 times in 7 nights, celebrating the fact I bought a new grill. I just eat until I am satisfied an...
by Ketawa
Sat Feb 06, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 11
Views: 1467

Re: Netspend 1099's?

On the same 1099 question: I just joined Netspend late last year. My account has not generated any interest yet - but I did receive $20 for using a referral. Is the $20 a taxable reward? I have not received a 1099 for it yet. It is probably taxable. I'll know for sure when my 1099-INT arrives, sinc...
by Ketawa
Sat Feb 06, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 296338

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

I received my 1099-INT for the 'old' Mango MasterCard today via snail mail. It was from Rev Worldwide. To my surprise, they did not count the $20 bonus from when I setup direct deposit - just my normal interest. I would think the $20 bonus should be counted as income, not interest. The 1099-INT is ...
by Ketawa
Sat Feb 06, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 11
Views: 1467

Re: Netspend 1099's?

On the same 1099 question: I just joined Netspend late last year. My account has not generated any interest yet - but I did receive $20 for using a referral. Is the $20 a taxable reward? I have not received a 1099 for it yet. It is probably taxable. I'll know for sure when my 1099-INT arrives, sinc...

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