Search found 177 matches

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: 6994

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: 507

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: 507

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: 716

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: 129
Views: 14264

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: 129
Views: 14264

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: 129
Views: 14264

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: 129
Views: 14264

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: 6994

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: 129
Views: 14264

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: 129
Views: 14264

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: 129
Views: 14264

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: 2153

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: 1282

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: 709

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: 1804

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: 1804

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: 1804

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: 2626

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: 463
Views: 94289

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: 6191

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: 6362

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: 6332

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: 10231

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: 72
Views: 10610

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: 116359

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: 116359

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: 18319

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: 3898

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: 2884

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: 116359

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: 2086

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: 2086

Re: Tips for extended European Trip

I would pick up 2 cell phones that support the European LTE bands. This will supply you with relatively secure internet when you purchase local Sim cards. It will also allow you to coordinate your activities. You might consider the Oneplus One. It supports a broad number of international LTE bands p...
by Oliver
Thu May 28, 2015 3:13 am
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 10204

Re: I found a new coffee.

I buy whole bean coffee from Sam's Club. I find most of their coffees to be of good quality - I've tried the member's mark, european cafe, and starbucks house roasts and I've liked them all. I then use an aeropress to make my coffee. I like it because you can just use a normal grinder for the beans...
by Oliver
Tue May 19, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Another look at why it's important to globally diversify
Replies: 14
Views: 2564

Re: Another look at why it's important to globally diversify

Argentina was in the top 10 wealthiest countries in the world around 1920.
by Oliver
Mon May 18, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10819

Re: What's so great about simplicity?

For most Vanguard investors, a simplified portfolio will make it easier to qualify for Admiral Shares, resulting in lower fees. Directly impacting your returns. A number of years ago I converted my Investor class European, Pacific and Emerging Vanguard mutual fund shares to equivalent vanguard ETFs...
by Oliver
Sat May 16, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 8344

Re: No Foreign Fee Credit Card - Exchange Rate

Lazysundays wrote:Definitely a perk of the Schwab debit card. Refunds in ATM fees and awesome foreign exchange on ATM use.

+1. The debit card is great!!
by Oliver
Sat May 16, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 8344

Re: No Foreign Fee Credit Card - Exchange Rate

It will be critical to inform capital one of your international travel. If you do not inform them expect to have your credit card declined. I would also carry a backup card, they are very very aggressive in preventing fraud.
by Oliver
Mon May 11, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank of America?
Replies: 6
Views: 1015

Re: HSA Bank of America?

Thanks Oliver, Saturna looks like a good option. I am assuming they have the Vanguard funds but can't find any information online. I would read the thread below on Saturna. Purchasing a Vanguard mutual fund costs more than buying a Vanguard ETF. I decided to purchased an etf in my HSA and choose no...
by Oliver
Mon May 11, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fees Associated with Moving $ to the USA
Replies: 2
Views: 412

Re: Fees Associated with Moving $ to the USA

Do not forget the cost of converting the money to USD. Below is some info from a Canadian perspective.

http://blog.plsoucy.com/2012/11/best-wa ... e-on-fees/
by Oliver
Sun May 10, 2015 8:17 pm
Forum: Personal Consumer Issues
Topic: International rental car insurance
Replies: 17
Views: 1659

Re: International rental car insurance

I believe Milage Plus explorer card provides free primary insurance. The card costs $50 after the first year but gives you a free checked bag on united flights and no markup on international purchases. I believe it does not include any liability coverage. PS You should get a signup mileage bonus. PP...
by Oliver
Fri May 08, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank of America?
Replies: 6
Views: 1015

Re: HSA Bank of America?

You might check out Saturna. They have a brokerage option $14.95/ trade (mutual funds higher transaction fee). No monthly/annual fees. (See wiki and Saturna thread). I think Saturna is a great if you are planning to use your HSA account as an investment vehicle.
by Oliver
Sat May 02, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Nepal Earthquake Relief - How To Donate
Replies: 14
Views: 690

Re: Nepal Earthquake Relief - How To Donate

I know Direct Relief allows PayPal donations. I always check Charity Navigator reviews of charities before I donate.

http://www.directrelief.org/
http://www.charitynavigator.org/index.c ... UT_fYm3NeQ
by Oliver
Fri May 01, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 4572

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I use my Nexus 7 (2013) and my Oneplus One when I travel. If I were you, I would try your phone as your sole device for a couple of weeks at home. If the phone or your phone plus tablet does the work for you, you might try a Chromebook.
by Oliver
Fri May 01, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: Brokerages
Replies: 19
Views: 2050

Re: Brokerages

I did find that vanguard and Fidelity had better rates on brokered CDs that TD Ameritrade.
by Oliver
Fri May 01, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Change - Interactive Brokers or Robinhood
Replies: 28
Views: 3650

Re: Brokerage Change - Interactive Brokers or Robinhood

If you need to borrow, using a margin loan from IB is the cheapest source I have found. I started my account at IB when vanguard index funds excluded Canadian stocks (USA, Pacific, European and Emerging). You can invest in Canadian stocks on the Canadian exchanges. In addition, you can invest direct...
by Oliver
Fri May 01, 2015 5:38 pm
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 3116

Re: If You Were Going To S. America ...

I really enjoyed Ecuador - volcano climbing, interesting culture, and a small slice of the Amazon basin as well. Quito has big-city crime issues (thus no-go places and times) but I felt extremely safe in the rest of the country, including the lovely resort town Banos. Spanish is spoken slowly, clas...
by Oliver
Fri May 01, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: the missing value premium
Replies: 34
Views: 3925

Re: the missing value premium

PS in case not aware those who are interested in my musings you can also find them at mutualfunds.com Don't worry I have a Google Alert set up to send me an email whenever new "Larry Swedroe" content is posted on the web. I recommend other Swedroeheads do the same! :wink: You are not the ...
by Oliver
Thu Apr 16, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which brokers trade dollar listed ETFs on London Stock Exch
Replies: 45
Views: 3679

Re: Which brokers trade dollar listed ETFs on London Stock

Thanks, but if I open an account in Interactive, which is an USA company, won't I be liable for 35% estate tax on my assets over $60,000 upon my death? Saxo does not list these ETFs and I got a reply saying that their system won't "support 2 currencies on 1 ISIN in 1 exchange due to system lim...

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