Search found 204 matches

by Oliver
Sat Jun 25, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: Portfolio analysis tools
Replies: 3
Views: 509

Re: Portfolio analysis tools

If all you want is country breakdown, here are 2 sources of the info.

http://www.etf.com/VGK

http://etfdb.com/etf/VGK/#holdings
by Oliver
Sat Jun 25, 2016 5:12 am
Forum: Personal Consumer Issues
Topic: Recommendation for international SIM cards?
Replies: 30
Views: 1923

Re: Recommendation for international SIM cards?

Your phone will not be able to use data at LTE speeds but will get 3g. This site will give a breakdown of the frequencies/LTE bands used in Greece. https://www.frequencycheck.com/countries/greece Do your sim cards plans include data? That's a great site, thanks. It confirms that I will only get 3g....
by Oliver
Fri Jun 24, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 88
Views: 6887

Re: Your favorite country to possibly retire to?

I did a trial run in Spain, and absolutely loved it! Next up is Mexico; I want to check out San Miguel de Allende. At this point in my life, I favor a nomadic lifestyle, spending several months in each place. But, logistics have become a nuisance. Ive come to dread the question, Where do you live? ...
by Oliver
Fri Jun 24, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Recommendation for international SIM cards?
Replies: 30
Views: 1923

Re: Recommendation for international SIM cards?

Your phone will not be able to use data at LTE speeds but will get 3g. This site will give a breakdown of the frequencies/LTE bands used in Greece. https://www.frequencycheck.com/countries/greece Do your sim cards plans include data? PS if you need an extra phone, I would consider purchasing a Nexus...
by Oliver
Wed Jun 22, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 27
Views: 3505

Re: Emerging Markets Small Cap Value

Given the various definitions of emerging markets, I am not surprised that portfoliovisualizer is not useful in this case. Morningstar is a good starting point http://portfolios.morningstar.com/fund/summary?t=EWX&region=usa&culture=en_US PS Morningstar is not very useful if the fund is using...
by Oliver
Thu Jun 16, 2016 3:39 am
Forum: Personal Finance (Not Investing)
Topic: 2 separate cell phones for work & personal? [Physician]
Replies: 26
Views: 2582

Re: 2 separate cell phones for work & personal? [Physician]

Get a dual-sim phone and two phone numbers. In much of the world, dual-sim is the default phone configuration although it doesn't seem too common in the USA. In these phones, only one sim is data (3G/4G). Make that your personal sim, which is always on. Then you can turn on and off the second sim a...
by Oliver
Thu May 19, 2016 6:09 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 82
Views: 9977

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

blues008 wrote:Yes - was able to purchase.

Did you have a position prior to the closing of the fund? I understood that additional investments could be made by existing shareholders.
by Oliver
Wed May 18, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an HSA account without monthly fee
Replies: 28
Views: 2794

Re: Is there an HSA account without monthly fee

I found that Saturna was the best/cheapest for me. I am just beginning my investing in HSA accounts. You need to make one trade a year ($15 stocks/ETFs, $15-$25 mutual funds) to avoid an inactivity fee ($25). By purchasing an etf once a year and forgoing automatic reinvestment, it costs me a total o...
by Oliver
Wed May 18, 2016 8:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 141
Views: 22897

Re: South Florida Local Chapter

Please keep me informed about any South Florida meetings.

Thanks!
by Oliver
Wed May 11, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 17759

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

Here is a listing of the new team. Obviously, Rick is not part of the new team per the website.

https://portfoliosolutions.com/about/our-experts
by Oliver
Mon May 09, 2016 7:44 pm
Forum: Investing - Theory, News & General
Topic: Does T.R. Price add value for its investors
Replies: 43
Views: 5571

Re: Does T.R. Price add value for its investors

I started investing with TRP. They were one of the few fund families to have low/no minimums if you started investing via ACH monthly. Invested $50 per month in various funds for years.
by Oliver
Mon May 02, 2016 4:07 pm
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 1 — Asset Allocation and Time Horizon
Replies: 47
Views: 7505

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: 762

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: 6187

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: 826

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: 7937

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: 825

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: 826

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: 1497

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: 500

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: 9459

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: 2517

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: 2615

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: 2615

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: 1484

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: 22917

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: 4941

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: 82
Views: 9977

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: 663

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: 663

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: 897

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: 22917

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: 22917

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: 22917

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: 22917

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: 82
Views: 9977

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: 22917

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: 22917

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: 22917

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: 2694

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: 1806

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: 915

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: 2111

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: 2111

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: 2111

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: 2993

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: 500
Views: 114814

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: 6498

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: 7231

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...

Go to advanced search