Search found 1629 matches

by Ketawa
Tue Nov 29, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5813

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: 9086

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: 191

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: 1964

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: 1964

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: 2087
Views: 509671

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: 2586

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: 6157

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: 6157

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: 25421

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: 1248

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: 1248

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: 2675

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: 1546

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: 1567

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: 6266

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: 786

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: 2473

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: 54460

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: 4426

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: 663

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: 2216

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: 3142

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: 25421

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: 15133

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: 1364

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: 294471

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: 1364

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
Tue Feb 02, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: W4 Configuration for DINK's?
Replies: 14
Views: 908

Re: W4 Configuration for DINK's?

There are benefits to not getting a refund from the IRS when you file your taxes. For example, if there is a problem with your return or your identity is stolen, it can hold up the refund. You are also giving a interest-free loan to the government. Here are steps to take control of your paycheck, al...
by Ketawa
Fri Jan 29, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 25421

Re: QSPIX Nightmare - Closed Off to Retail Investors

Prior to October, anyone could purchase QSPIX at Fidelity at low minimum. After the October change, you could only purchases QSPIX via an RIA or 7-figure minimums. Now similar actions at Scottrade, although apparently applying to both QSPNX and QSPIX. I'm curious if Fidelity still has QSPNX at low ...
by Ketawa
Fri Jan 29, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294471

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

If you have 3 of the original netspends, then you are capped out on MetaBank-backed cards and you can't get an ACE or Western Union. You can only add Brinks or HEB to the original Netspend. No reason to get ACE or Western Union if you have 3 netspends. Just to make sure I understand, I can go to ne...
by Ketawa
Fri Jan 29, 2016 5:56 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 25421

Re: QSPIX Nightmare - Closed Off to Retail Investors

It appears that AQR may have chosen to begin enforcing their minimums and/or RIA requirements. First at Fidelity in October and now at Scottrade. Who knows if AQR was oblivious regarding QSPIX $100 minimums at Scottrade, or if they were aware but tolerated it for unknown reasons. Either way, it loo...
by Ketawa
Fri Jan 29, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 25421

Re: QSPIX Nightmare - Closed Off to Retail Investors

Well, I shares for the low volatility version is still open, QSLIX. I'll probably consolidate at Fidelity in the near future unless things change with Scottrade. Most of my Roth IRA is already at Fidelity anyway. I was using Scottrade for my IRA contribution this year due to the lower N shares minim...
by Ketawa
Wed Jan 27, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2480

Re: Best Netflix/YouTube interface for the Big Screen?

JupiterJones wrote:Chromecast also lets you stream any video file you happen to have on your computer. (I think you can play your own videos via Roku also, but you have to put it on a USB drive first, then physically plug the drive in maybe?)


The best way to do this is with Plex.
by Ketawa
Wed Jan 27, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Modems and Routers
Replies: 29
Views: 3116

Re: Modems and Routers

I'll keep checking but realistically, my internet is fast enough to do whatever I use it for, including Netflix. If I can count my money in 1/100th of a millisecond versus 3/100ths of a millisecond, isn't that good enough? Sometimes perfect is the enemy of good enough. It's more a matter of fiscal ...
by Ketawa
Wed Jan 27, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2480

Re: Best Netflix/YouTube interface for the Big Screen?

I used a Chromecast for a while. Later, when I cut the cable cord and purchased Sling TV, I bought a Roku 3 for 50% off with a signup promotion. Hands down, I prefer the Roku. A streaming device with a dedicated remote is a lot more reliable than one using a phone to cast/control it. I regularly use...
by Ketawa
Sun Jan 24, 2016 2:27 am
Forum: Personal Finance (Not Investing)
Topic: What is the trap of interest-only mortgage?
Replies: 13
Views: 2266

Re: What is the trap of interest-only mortgage?

You need to read the small print very carefully. I give it very little chance that this is a 1.282% APR loan rate for the first ten years in this market. This is probably even worse than an interest-only mortgage. It is highly likely that this is a negative amortization loan. The 1.282% APR is prob...
by Ketawa
Sun Jan 24, 2016 1:17 am
Forum: Personal Finance (Not Investing)
Topic: What is the trap of interest-only mortgage?
Replies: 13
Views: 2266

Re: What is the trap of interest-only mortgage?

Why would you have to pay a huge lump sum after the fixed rate period on your ARM has ended? Refinance at that time if the rate resets too high. I'm not sure why you would be worried about that, but an interest-only mortgage would only make that problem worse. Another big risk is that you are unable...
by Ketawa
Thu Jan 21, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Screwed up tax loss harvesting
Replies: 17
Views: 1347

Re: Screwed up tax loss harvesting

Take your lumps and buy your replacement holding now. There's no sense in waiting.

If you wait to buy until a pullback, why not do that with the rest of your portfolio? Answer: it's market timing. You can't predict when or if there will be a pullback.
by Ketawa
Thu Jan 21, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 82
Views: 10255

Re: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open

Scottrade is forcing me to subtract $17 for tranaction fees for buying QSPIX. Is there a way to avoid that fee as some mention in this thread. I have devided to pull the plug on the QSPIX rocket ship before the takeoff. AQR funds typically have 3 different share classes: I, N, and R6. I shares alwa...
by Ketawa
Wed Jan 20, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 10453

Re: Why buy now, why not wait until the market really crashes??

I am still learning, and I am staying the course with my portfolio 2/3 stocks, 1/3 bonds. I am seeing my portfolio steadily drop and have unrecognized losses of quite a bit. However; I see people saying they are buying. Why? The market is only down 12% or so, correct? Why buy stocks now, why not wa...
by Ketawa
Tue Jan 19, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 3235

Re: Encryption of Data

I started to test drive VeraCrypt this weekend on my laptop. So far, I'm satisfied with it. There are some limitations. At this time, it's impossible to use system drive encryption with a UEFI laptop, which is basically any modern laptop. Instead, I set up a volume where essentially all of my perso...
by Ketawa
Tue Jan 19, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: Encryption of Data
Replies: 34
Views: 3235

Re: Encryption of Data

My research indicates people like VeraCrypt. From what I gather it works like TrueCrypt? I've also seen mentioned here AxCrypt, although I don't totally understand the discussion (https://www.bogleheads.org/forum/viewtopic.php?f=11&t=155329&p=2329853&hilit=encryption#p2329853). Advice o...
by Ketawa
Fri Jan 15, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: What do you use to calculate total % up or down each year?
Replies: 37
Views: 2166

Re: What do you use to calculate total % up or down each year?

No transactions YTD. Positive beginning balances in all accounts. Quicken says -55.50 YTD IRR. XIRR says -58.20 YTD IRR. YTD actual returns are -2.84 using Quicken IRR and -3.06 using XIRR IRR. Vanguard 3 fund total market index funds weighted to correspond to my portfolio -3.41 YTD. Not sure I com...
by Ketawa
Mon Jan 11, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 5230

Re: Can someone simplify the Asset Location debate?

Let me make this clear: in my model, r_s and r_b are the *expected* return rates of stocks and bonds, *prior* to the decision (I see that wasn't clear in my post; I'll edit). It's not after the fact. If you believe that stocks will make an enormous amount of money, then you should be more inclined ...
by Ketawa
Mon Jan 11, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 5230

Re: Can someone simplify the Asset Location debate?

Edit - misunderstood model, see this below post . This is simple: if r_s < r_b, then stocks both expose less gain to the tax man and are taxed at a lower rate. Clearly, then, you would put stocks in your taxable account. But, overall, the point of the model is indeed to plug different numbers in and...
by Ketawa
Mon Jan 11, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 5230

Re: Can someone simplify the Asset Location debate?

In your example, comparing wealth at the end of a number of years is like comparing the results of a 60/40 portfolio to a 40/60 portfolio. What really needs to be done is to compare the yearly tax cost of assets by holding them in taxable vs tax-free. I'm afraid I don't understand. I've accounted f...
by Ketawa
Mon Jan 11, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 5230

Re: Can someone simplify the Asset Location debate?

There is another difference between the two portfolios. Assets are less risky in taxable than in a Roth IRA. For example, with stocks in taxable, the government shares in your losses through TLH and takes some of your gains through taxation. Thanks for pointing that out. I'm still figuring out TLH....
by Ketawa
Mon Jan 11, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 5230

Re: Can someone simplify the Asset Location debate?

The portfolio does not seem to be rebalanced. Have I missed anything? Already an omission found. Yeah, that's right - I've assumed you're not reallocating those amounts as they grow. If you want to have fun, the following Canadian site went through this kind of calculations; taxable vs tax-advantag...
by Ketawa
Mon Jan 11, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Can someone simplify the Asset Location debate?
Replies: 86
Views: 5230

Re: Can someone simplify the Asset Location debate?

I find simple models to be illuminating, especially for formalizing assumptions. I'll give that a try here. Suppose you are going to put x_s amount of money towards stocks, and x_b toward bonds. I'm assuming these are after-income-tax amounts. You're going to put one of these amounts into a Roth IR...

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