Search found 1669 matches

by Ketawa
Wed Feb 22, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: I didn't report 1099-G?
Replies: 15
Views: 957

Re: I didn't report 1099-G?

Amend your return for tax year 2016.
by Ketawa
Wed Feb 15, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Pop Quiz and Rant - Do you know what ICE stands for?
Replies: 19
Views: 1579

Re: Pop Quiz and Rant - Do you know what ICE stands for?

My first thought was Internal Combustion Engine. Alternatively, Immigrations and Customs Enforcement. I am 29 and very tech savvy, and I never heard this definition for the acronym.
by Ketawa
Tue Feb 14, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4691

Re: Please list value funds you currently use

Domestic small: QSMLX

International large: QICLX

Emerging: QEELX

Other: QSPIX
by Ketawa
Fri Feb 10, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What happens to withholdings if I put 90% into 401k?
Replies: 19
Views: 2612

Re: What happens to withholdings if I put 90% into 401k?

^If you are contributing the max allowed by year-end, then this does not reduce the space available. Right, that's why I said this: "Once that is done, I will be raising my TSP contributions high enough to contribute $18k for 2017 while living off the equity from my home sale, assuming all goe...
by Ketawa
Fri Feb 10, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What happens to withholdings if I put 90% into 401k?
Replies: 19
Views: 2612

Re: What happens to withholdings if I put 90% into 401k?

I am currently repaying a TSP loan in the first half of 2017 ahead of schedule, while reducing my regular TSP contributions to nothing. This does reduce the total possible "space" available in your TSP plan for the future and costs you more in taxes now. Do you see why? I don't know what ...
by Ketawa
Fri Feb 10, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: What happens to withholdings if I put 90% into 401k?
Replies: 19
Views: 2612

Re: What happens to withholdings if I put 90% into 401k?

Posting in an old thread, but this is what came up when I googled "401k contribution percentage from paycheck 92%". I am currently repaying a TSP loan in the first half of 2017 ahead of schedule, while reducing my regular TSP contributions to nothing. Once that is done, I will be raising m...
by Ketawa
Fri Feb 03, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3865

Re: Verizon to Cricket or StraightTalk

Verizon Prepaid itself is a great deal. Other prepaid plans/MVNOs that use the Verizon network have severely throttled LTE data speeds - 5 Mbps down and 2 Mbps up. I recently switched to Verizon Prepaid from Consumer Cellular. $45/month for 2 GB + 1 GB automatic extra for using autopay to renew, all...
by Ketawa
Thu Feb 02, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: BRK - thoughts on interesting stock
Replies: 66
Views: 6170

Re: BRK - thoughts on interesting stock

james22 wrote:From the Vanguard 500 Index Fund's return you'll also need deduct the annual expense ratio and dividend taxation.


Fund returns are always reported after the expense ratio.
by Ketawa
Wed Feb 01, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Are we misusing backtesting tools like portfoliovisualizer?
Replies: 21
Views: 1913

Re: Are we misusing backtesting tools like portfoliovisualizer?

I find it more useful for taking a quick look to check whether funds like QSMLX, QEELX, or QICLX are acting as expected. So if we take a look at QEELX, its value factor has nose-dived. How does this impact your decision-making process? http://i.imgur.com/k91tPkW.png I should have left out QICLX and...
by Ketawa
Wed Feb 01, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Are we misusing backtesting tools like portfoliovisualizer?
Replies: 21
Views: 1913

Re: Are we misusing backtesting tools like portfoliovisualizer?

...In fact, here it's highlighting something interesting. The Mkt-RF measurement varies pretty wildly for a fund that is supposed to be around 60% fixed income. Did VWINX really have 60% equities in 1996 and 25% equities in 2003, or are those measurements showing how the active stock selection make...
by Ketawa
Wed Feb 01, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Are we misusing backtesting tools like portfoliovisualizer?
Replies: 21
Views: 1913

Re: Are we misusing backtesting tools like portfoliovisualizer?

Getting weird results from looking at a fund like VWINX (Vanguard Wellesley Income Fund) is not surprising. It is an active fund that does not follow strict rules for stock selection, currently holding only 60, and it is about 60% in bonds. What did you expect? In fact, here it's highlighting somet...
by Ketawa
Wed Feb 01, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Are we misusing backtesting tools like portfoliovisualizer?
Replies: 21
Views: 1913

Re: Are we misusing backtesting tools like portfoliovisualizer?

Getting weird results from looking at a fund like VWINX (Vanguard Wellesley Income Fund) is not surprising. It is an active fund that does not follow strict rules for stock selection, currently holding only 60, and it is about 60% in bonds. What did you expect? Factor regressions are more useful ana...
by Ketawa
Tue Jan 31, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: BRK - thoughts on interesting stock
Replies: 66
Views: 6170

Re: BRK - thoughts on interesting stock

Do you consider Vanguard's Wellington and Wellesley funds diversified, Ketawa? These hold 98 stocks and 60 stocks, respectively. That is probably enough to get rid of most diversifiable risk in the large cap space, but why stop there when you can have 327 through Vanguard Value Index? Regardless, b...
by Ketawa
Tue Jan 31, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: BRK - thoughts on interesting stock
Replies: 66
Views: 6170

Re: BRK - thoughts on interesting stock

Again, market, size and value factor loadings alone do not capture BRK's advantage: Buffett has boosted returns through the use of leverage, estimated at about 1.6. Buffett buys stocks that are "safe" (have low beta and low volatility), "cheap" (value stocks with low price-to-bo...
by Ketawa
Mon Jan 30, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Do I use Effective or Marginal Tax Rate to Decide on tIRA vs Roth?
Replies: 26
Views: 1902

Re: Do I use Effective or Marginal Tax Rate to Decide on tIRA vs Roth?

By definition, the traditional TSP offers tax savings. I don't you think you have to determine anything, do you? Unless you pay no income taxes to begin with, but you said you are in the 25% marginal income tax bracket. We are in the 15% marginal income tax bracket and still contribute the max to t...
by Ketawa
Mon Jan 30, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: BRK - thoughts on interesting stock
Replies: 66
Views: 6170

Re: BRK - thoughts on interesting stock

As far as buying it to load up on the Value factor? Value works best for small stocks, if B-H is 1.8% of market capitalization, that sounds mega-cap to me. I think there are better ways to load on Value. Sure, but quality and leverage matter too: SV (VISVX) 1998-2016 market 1.00 size .52 value .61 ...
by Ketawa
Fri Jan 27, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: If market crashed 50%, would you do a 401k roth conversion?
Replies: 22
Views: 2688

Re: If market crashed 50%, would you do a 401k roth conversion?

If market crashed 50%, would you do a 401k roth conversion? YES for both a 401 K and IRA. You would get twice the number of shares for the same tax cost. Ugh, I'll repeat it - you will be in exactly the same place if you did the conversion before or after the decline. If the tax rates didn't change...
by Ketawa
Fri Jan 27, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: If market crashed 50%, would you do a 401k roth conversion?
Replies: 22
Views: 2688

Re: If market crashed 50%, would you do a 401k roth conversion?

If my plan allowed it, I would not. This is my analysis for my particular circumstances. I already use Tax-adjusted asset allocation . 25% is my best estimate of my top marginal tax rate in retirement, mainly because I am planning on having a military pension that will fill up the lower tax brackets...
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: 280

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: 1182
Views: 163640

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: 2692

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: 3479

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: 3479

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: 2692

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: 2481

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: 2279

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: 2279

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: 2279

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: 2279

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: 2279

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: 1288
Views: 210901

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: 3559

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: 1732

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: 2095

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: 2187

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: 2095

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: 2187

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: 2095

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: 4422

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: 7282

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: 140
Views: 12283

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: 209

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: 2140

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: 2140

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: 2424
Views: 613751

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: 52
Views: 4668

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: 6875

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: 6875

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: 26290

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...

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