Search found 193 matches

by Oliver
Mon May 02, 2016 4:07 pm
Forum: Investing - Theory, News & General
Topic: Classic Bernstein — Asset Allocation and Time Horizon
Replies: 44
Views: 4198

Re: Classic Bernstein — Asset Allocation and Time Horizon

I largely agree with all the points, except that it's certainly still possible to totally destroy the economic and social fabric of a society without largely annihilating the population: See "Middle East." Venezuela too. Argentina 100 years of decline http://cdn.static-economist.com/sites...
by Oliver
Fri Apr 29, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: anonymous flight ticket robot
Replies: 7
Views: 617

Re: anonymous flight ticket robot

MoneyIsntEverything wrote:Was it ITA Matrix? As I understand it, that's the back end of the (slicker-looking) Google Flights feature.

ITA matrix is great. Just remember that Southwest and others? are not in the database.
by Oliver
Tue Apr 26, 2016 7:27 pm
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 5034

Re: How strong is your belief in AQR?

. Just to note - 'tracking error' of the AQR International and EM Multi-style funds may be fairly large as they can significantly overweight one country - so would expect some periodic and perhaps fairly larger deviations in performance. So while the AQR intl. and em funds may provide more diversif...
by Oliver
Wed Apr 06, 2016 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on a US bank to accept Euros as direct deposit from contract work in Europe
Replies: 11
Views: 686

Re: Need advice on a US bank to accept Euros as direct deposit from contract work in Europe

I do not know what the bid ask spread is using a USA bank/ brokerage but i understand it can be substantial in Canada. http://www.financialwisdomforum.org/forum/search.php?keywords=Converting+ib by Adastra » 06 Mar 2005 07:22 If you have an account with InterActive Brokers, you can exhange currencie...
by Oliver
Tue Apr 05, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6706

Re: Five Best National Parks to Visit?

Some of my fondest memories as a child-> teenager are traveling in a motorhome or trailer visiting the national parks.
by Oliver
Tue Apr 05, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: Do you avoid ETFs with low AUM?
Replies: 11
Views: 742

Re: Do you avoid ETFs with low AUM?

I have invested in low aum ETFs. When I invest I expect to keep the investment for years. I actually pay far more attention to the premium/ discount of the etf than the bid ask spread.

PS ETFs can close down and liquidate.
by Oliver
Tue Apr 05, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on a US bank to accept Euros as direct deposit from contract work in Europe
Replies: 11
Views: 686

Re: Need advice on a US bank to accept Euros as direct deposit from contract work in Europe

I would check interactive brokers. Make sure you look at the cost to convert Euros to USD. This can be a significant expense. IB will probably be the cheapest place to convert to USD.

Good luck!

PS You could also leave the funds in Euros at IB.
by Oliver
Sat Feb 27, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Zenni Eyeglasses
Replies: 6
Views: 1346

Re: Zenni Eyeglasses

If you have had a prescription filled at Costco, your pupil distance is on the receipt. I asked for a copy 2 years after my Costco purchase. No Problems! As mentioned upthread, measuring an existing pair you like will get you in the right ballpark for frame size. If you want you could try some pairs...
by Oliver
Sat Feb 27, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA eligibility while covered by a foreign national health insurance plan
Replies: 5
Views: 404

Re: HSA eligibility while living abroad

This is an interesting question.

I know that some expats buy local health insurance so that an in country hospital knows they will be paid and will start treatment. It would be great if the local health insurance purchase did not preclude a HSA.
by Oliver
Sat Feb 27, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions and the Vanishing 25% and 28% Tax Bracket
Replies: 59
Views: 8653

Re: Roth Conversions and the Vanishing 25% and 28% Tax Bracket

If you qualify for health care subsidy, conversions can get very costly.
by Oliver
Sat Feb 27, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Which brokers are friendly to expats?
Replies: 28
Views: 2082

Re: Which brokers are friendly to expats?

I have heard third hand reports of Vanguard freezing assets when it was discovered that the investor was domiciled overseas. In any case, I would have funds in multiple institutions to reduce the risk. PS I have no problem with using an USA address, VPN (used for security regardless of Vanguard) and...
by Oliver
Sat Feb 27, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Using Canadian Pharmacies
Replies: 26
Views: 2273

Re: Using Canadian Pharmacies

I switched to a Canadian Pharmacy when my local started requiring a scrip for the Vitamin B12 shots I hve to take every 2 weeks...and tripled the price and would only give me 1cc at a time... Canadian price for 10 cc is same as local pharmacy for 1c before price gouge! My wife had a heart attack an...
by Oliver
Sat Feb 27, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Using Canadian Pharmacies
Replies: 26
Views: 2273

Re: Using Canadian Pharmacies

I have used https://www.canadadrugs.com/about . They were mentioned in some articles a number of years ago. I would not hesitate to recommend them. They will require you to fax them your prescription. If your prescription cost is really out of control, I would check what the maximum out of pocket co...
by Oliver
Sat Feb 27, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Markets always bounce back. But do sectors also?
Replies: 15
Views: 1355

Re: Markets always bounce back. But do sectors also?

Always? http://www.economist.com/news/briefing/21596582-one-hundred-years-ago-argentina-was-future-what-went-wrong-century-decline The tragedy of Argentina A century of decline One hundred years ago Argentina was the future. What went wrong? In 1914 half of Buenos Aires’s population was foreign-born...
by Oliver
Sat Feb 27, 2016 1:24 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

cherijoh, It took me a moment to realize you were drudging up some of my older comments from a while back. You know you are just making me go on portfoliovisualizer.com and extend the date range in which these funds have been in existence right? The problem for you is that the longer interval only ...
by Oliver
Fri Feb 12, 2016 5:21 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4548

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

Madbrain, agree in your case it looks like the HSA is not the way to go. What would the math look like if you assumed you don't need the HSA money to pay for your medical expenses every year, I.e. have more money for investing? Great question. If assuming $0 out-of-pocket costs for both plans, the ...
by Oliver
Mon Dec 28, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 74
Views: 7824

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

I can't decide if it's better to own this in a Fidelity or Scottrade IRA. Fidelity: - can only buy QSPNX (.25% ER higher) + no transaction fees to buy QSPNX and a number of index ETFs to rebalance with Scottrade: - $17 transaction fee for purchase of QSPIX and $7 transaction fee for every purchase ...
by Oliver
Tue Dec 15, 2015 10:46 pm
Forum: Investing - Theory, News & General
Topic: Best "global" brokerage
Replies: 4
Views: 581

Re: Best "global" brokerage

I used to have an account at TD Waterhouse. It had expensive commissions to trade in Canada However, when the USA brokerage business was sold to AMERITRADE, Canadian trading options disappeared.
by Oliver
Tue Dec 15, 2015 10:42 pm
Forum: Investing - Theory, News & General
Topic: Best "global" brokerage
Replies: 4
Views: 581

Re: Best "global" brokerage

Interactive Brokers is the broker you are looking for. My trades in Canada or the USA are about $1. In fact, trading in a host of other countries is not much more. The downside is a minimum commission of $10 per month. However, the minimum is waived if your account is above a certain dollar amount. ...
by Oliver
Mon Dec 14, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Comparing health insurance plans...
Replies: 6
Views: 788

Re: Comparing health insurance plans...

How does the extra cost to cover your spouse and child compare to insurance on the health exchange?
by Oliver
Fri Dec 11, 2015 5:56 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

@pshonore Yes, (unless I'm looking in the wrong place) many of those funds are available only with unrealistic ($1,000,000 +) minimums. I am not sure of the current status of AQR funds at Fidelity. However, Scottrade has a $100 minimum purchase of QSPIX. PS you might have been looking at the minimu...
by Oliver
Fri Dec 11, 2015 5:43 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

If your purchase is greater than $6,800, in one year the $17 commission at Scottrade is offset by the lower er of QSPIX vs QSPNX. Of course, the 0.25% difference in annual er continues for the life of the investment. This makes investing in QSPIX at Scottrade more advantageous than the NTF purchase...
by Oliver
Thu Dec 10, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

Is the fee $17 for Scottrade or $50 for Fidelity? Your phrasing of the question makes me think I'm misunderstanding it. However, the answer is both. I was looking for verification that Fidelity is charging a $50 fee to buy or sell QSPIX/QSPNX, while Scottrade is charging a $17 fee. Normally Fidelit...
by Oliver
Thu Dec 10, 2015 3:00 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

empb wrote:I was able to purchase both QSPIX and a token amount of QSPNX yesterday just on the off-chance they hard-close one share class and not the other.
Picking up a token amount of QSPNX is a good idea. I will be doing the same.
by Oliver
Thu Dec 10, 2015 12:50 am
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 74
Views: 7824

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

FYI The original QSPIX is still available to purchase at Scottrade (12/9/2015).
by Oliver
Thu Dec 10, 2015 12:39 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

I have received a trade confirmation for my purchase of QSPIX! Scottrade is still accepting offers for QSPIX. :D I think if you are planning on investing any significant dollars, Scottrade is the place to do it.
by Oliver
Wed Dec 09, 2015 5:07 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

I placed a small order for QSPIX at Scottrade. When my trade goes through or is rejected, I will report back. PS If this goes through, I will transfer an IRA held elsewhere to fund my QSPIX allocation before it closes. [Scottrade accepted the order. Scottrade shows QSPIX in my account and is shown a...
by Oliver
Sat Dec 05, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 168
Views: 20843

Re: QSPIX Nightmare - Closed Off to Retail Investors

I am in the process of moving money over to Scottrade in order to purchase. Below is some info about the second version of the fund. http://seekingalpha.com/article/3713596-fund-watch-aqr-and-calamos-file-for-new-alternative-funds AQR Style Premia Alternative II Fund On November 16, AQR Funds filed ...
by Oliver
Sat Nov 14, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: Automated Pour Over Coffee Machine?
Replies: 21
Views: 2378

Re: Automated Pour Over Coffee Machine?

You might try looking at the sweet home recommendations. http://thesweethome.com/reviews/best-coffee-maker/ I am using aeropress primary myself. However, when I am lazy, I use the clever coffee maker. It makes 18oz or less of pretty good coffee and I do not have to pay attention to the coffee making...
by Oliver
Sat Nov 14, 2015 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not use Saturna for an HSA?
Replies: 11
Views: 1492

Re: Any reason to not use Saturna for an HSA?

I have no knowledge of Saturna, but I recently was looking at providers of HSA accounts and came across Alliant Credit Union. No fees whatsoever so immediately a $25 savings over Saturna. https://www.alliantcreditunion.org/bank/health-savings-account#features The $25 is the fee to purchase a Vangua...
by Oliver
Sat Nov 14, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for smaller balanace, using as investment account?
Replies: 7
Views: 813

Re: HSA for smaller balanace, using as investment account?

I am using Saturna hsa. One transaction Minimum. No other ongoing fees. PS In order to reduce expenses, i prefer purchasing an etf ($15) a year instead of a vanguard mutual fund($25). I also do not automatically reinvest dividends/capital, I simply include the distributions in my annual purchase. ht...
by Oliver
Fri Oct 30, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: High Security Checks
Replies: 16
Views: 1894

Re: High Security Checks

How do high security checks help? Aren't they just photographed and destroyed before anybody gets a chance to examine them? If you pay someone with a check, they could change the payee and the amount on the check. The check would still have your original signature. Color photocopyiny/scanning the c...
by Oliver
Thu Oct 29, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: High Security Checks
Replies: 16
Views: 1894

Re: High Security Checks

Maybe for businesses accounts, which have fewer fraud protections, and require the owner to be able to show a higher degree of diligence relative to consumer checking accounts. Thank you for the feedback. At Costco, the high security checks are $26 (348 duplicate checks) versus $14 for standard che...
by Oliver
Mon Oct 19, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: High Security Checks
Replies: 16
Views: 1894

High Security Checks

I rarely use checks anymore. Are high security checks worth the extra cost?
https://www.costcochecks.com/p/costco-h ... cks/101450
by Oliver
Fri Aug 21, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2714

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: 486
Views: 106555

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: 6330

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: 6607

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: 6459

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: 11725

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: 76
Views: 12751

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: 1078
Views: 126257

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: 1078
Views: 126257

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: 155
Views: 18853

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: 4017

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: 2998

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: 1078
Views: 126257

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: 2256

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: 2256

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...

Go to advanced search