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GammaPoint

I've always used Spigen Tough Armor and they have worked well. Can't say the other brands aren't better though.

GammaPoint

Rob, there was some discussion on this in another thread you might find interesting:

viewtopic.php?t=256790

GammaPoint

Historically I haven't had any allocation to the momentum factor, though I am considering a small portion of my US equity exposure (~5%) to be put into Vanguard's new multi-factor ETF VFMF, which targets the factors of value, quality, and momentum. I already have lots of value exposure elsewhere in ...

GammaPoint

I overweight emerging markets because they are less correlated with the rest of my portfolio. They happen to be riskier as well, which increases my portfolio risk for a given stock allocation, but I can set my stock allocation freely to get a desired risk level. I would split my foreign stock 50/50...

GammaPoint

I have some tilt to small cap, both domestically and internationally (VB and VSS, as well as VBR). I have overweighted small cap, value, and emerging markets for years. Grabiner, how much do you overweight EM and with what justification? I overweight EM too actually but was curious about your % and ...

GammaPoint

If the 8 isn't going to get a free storage upgrade anytime soon, then I figure I might as well upgrade now. My 5c is pretty much on its death bed.

GammaPoint

I am very curious about the reason to be bullish about EM economies. I lived 25 years in an EM country and I visited a lot more. In my opinion is absolutely no reason to be bullish about them, at least not in my time horizon of several decades. The only reason I own some is speculative and hedging ...

GammaPoint

So why not decide on 60% and move it all now? Well, long-term I'd probably like something like 40-50% international. Being based in the US, I'm okay with a little home country bias (both for relative wealth concerns, but mostly for the fact that it's cheaper for me to invest here and a lot cheaper ...

GammaPoint

I have invested similar to you, but think EM in particular may be in for a bumpy ride. And if EM currencies go into distress, I think the IMF has revised it's opinion on currency controls and may not strive to protect investors as it had done in the past. I see nothing wrong with being 100% US whic...

GammaPoint

Sorry, I got that backwards :oops: When I had an Android phone, that's how it worked and everything was seamless. Both cell phone number and GV number worked through the same app. With iOS, I had to adjust. What I did works for me but I don't recommend it. That is, my cell phone number used to forw...

GammaPoint

But I'm curious if the 1.5 non-turbo engine is effected as well? At first I read that the non-Turbo wasn't affected, but then more recently I've seen people saying it is affected but just to a lesser degree. Though I'm not an expert in it since am like you and almost bought a CRV and don't actually...

GammaPoint

Or, you are just pure market timing and hope to be lucky. You just buy whatever you think is cheap without thinking about whether it is above your ratio. I'm not dictating a general strategy here, so it shouldn't be approached that way. What do you think the default expectation is for US vs ex-US p...

GammaPoint

The point isn't if your AA is reasonable, that's up to you to decide. The issue is you aren't willing to follow an IPS. That might work out fine, or it might not. What will you do if a bear comes along and starts attacking your portfolio? Wing it? Or follow your IPS? You're not wrong. It'll either ...

GammaPoint

But when your savings are higher, to stick to your AA, you might only put $X into the most underperforming asset (like international) to bring it up to the proper AA amount, but then you have more savings left over, which "should" then be spread among other assets too (including even the over-perfo...

GammaPoint

This is different than a value tilt. You are not tilting towards what is classified as "value" equities. You are tilting to what you have a hunch is a good value. https://www.investopedia.com/terms/v/valuestock.asp Unless there is good reason to treat international as a "value" equity, which I have...

GammaPoint

My other comment is you should know why you want international -other than Speculating the stocks ate cheap or cheaper than X. My reasons for holding 30% international are two fold: 1) More diversity, 2) potentially less correlated with U.S. stocks. My reasons for holding international are the same...

GammaPoint

Frankly I’m confused. Why is your AA drifting so much? You clearly understand things well enough to adjust your contribution breakdown to stay within say a 5% band. Maybe I didn't explain it well. I could certainly rebalance or alter purchase decisions to get back within my AA. But my savings rate ...

GammaPoint

You are market timing. It may or may not work. Nobody knows (nothing). I respect you calling it "market timing", and to some degree I agree it is. That said, I think it's also a little extreme of a characterization. I just wanted to be making portfolio purchases that weren't so strongly skewed by t...

GammaPoint

For over 10 years, I had implemented the same asset allocation that I originally set off with years ago. I'd do periodic rebalancing, and I'd commit new purchases to the assets which were under-weighted. Setting an AA and sticking with it is a great way to buy low/sell high, as well as control risk....

GammaPoint

The 5c does support wifi calling. https://support.apple.com/en-us/HT203032 And even if your carrier doesn't support it. You can get a Google Voice number for free and forward your calls so you still use your cell number and have wifi calling. Sure, I was a little loose in what I wrote. The 5c does ...

GammaPoint

As has been noted many times on this forum before, Vanguard is also losing the fee battle in the solo 401k space, since they've long prevented individuals from holding admiral or ETFs there. This has caused lots of solo 401ks to go to Fidelity instead. I'm likely to move my wife's solo 401k to Fidel...

GammaPoint

I've currently got an iPhone 5c, which unfortunately does not support wifi-calling, and I just moved to a new house with very poor cellular reception where that feature would be super, super useful. So I've used this situation as the motivation to finally upgrade my phone. I'll probably wait until t...

GammaPoint

Please take my advice and don't buy a CRV unless you like Lemonade. I stumbled upon this thread a few weeks ago, and have been watching it since. My wife and I were extremely close to buying a 2018 CRV, but now we're probably going to hold off and instead take a look at the 2019 Toyota RAV4s. I'm s...

GammaPoint

First off, thanks for such a detailed reply, Spirit Rider. It brought a lot of clarity to this issue for me. Actually, line 2 of this worksheet is not necessarily in error, just using a short cut. The SE tax calculation multiplies the business profit * 92.35% * 15.3% <= the SS max wage base (2018 = ...

GammaPoint

Article: https://thefinancebuff.com/solo-401k-for-part-time-self-employment.html Spreadsheet (make sure to scroll up to see the entire spreadsheet - its opens towards the bottom for some reason) https://docs.zoho.com/sheet/published.do?rid=hd3vb2c79aa2e630443d58a05e8140934898a I appreciate the link...

GammaPoint

It's a sole proprietorship set up at Vanguard. Her business income will probably be in the $13000-$15000 range for the 2018 year.

GammaPoint

This year my wife set up a new business and we set her up with an individual 401k plan with Vanguard. She's already made about $9k in deductible 401k contributions to a previous W2 job that she no longer has, so we can (business-income permitting) contribute another $9.5k in her individual 401k plus...

GammaPoint

Larry, thanks for the reply. It's always fun and an honor to receive commentary direct from an author that I'm reading. So if you look only at P/B then DFSVX might look more valuey because that is only metric it is using. But then look at other metrics and you see BOSVX looks more valuey. Appreciate...

GammaPoint

If the R^2 is low, then the value loading produced by the model has large error bars. Or similarly, the less accurate the FF formula will be in predicting the returns of the fund, i.e. the predicted fund return will have large error bars. Right, I was aware of this, which is why I was saying "if it...

GammaPoint

Vanguard US Value Factor ETF VFVA is long only and has a value loading of .78. Thanks for looking this up. I was interested in this but didn't realize I could set it to use daily returns instead of monthly (not enough months to compute it by months since it's a new fund). The R^2 of that fit isn't ...

GammaPoint

Realize that factors are defined as long short portfolios. This isolates the factor from market factor. Long only funds at maximum by definition can only have a loading of 0.5. Dave, thanks for the reminder. I remember Swedroe talking about this but not being clear on how to think of it in a long-o...

GammaPoint

The product of those two numbers (eg premium times loading) gives the excess return attributable to each factor in the regression. So it seems like my reading of the equation is correct, then? If so, that would have been a good point for Swedroe to make in his book (that typical products don't achi...

GammaPoint

1. I need to see the regression equation to answer your question about expected return. Thanks for the reply, acegolfer. See the screenshot of the equation and definitions: https://ibb.co/nDQ90z . The problem is that Swedroe doesn't use equations in his book. If Swedroe's "value premium" is equal t...

GammaPoint

I'm currently reading Swedroe's book on factor investing. I've had substantial value/size tilts in my portfolio (at least domestic) for over 10 years, but I'm enjoying reading about other factors (quality,momentum) that I hadn't previously had much experience with. However, I have a question about h...

GammaPoint

Thanks for the answer rkhusky, I appreciate it.

GammaPoint

If you look on Vanguard's website for VXUS ( https://personal.vanguard.com/us/funds/snapshot?FundId=3369&FundIntExt=INT#tab=2 ) it says that, as of 5/31/15, the fund has 18.8% allocation to emerging markets. On the other hand, if you look at Morningstar ( http://portfolios.morningstar.com/fund/summa...

GammaPoint

IPOs are typically underperforming investments, so I avoid them.

GammaPoint

This is true. Your salary for this purpose is the actual salary earned during your first year of employment, not your stated annual salary for a full year. Thanks tfb. When I called in they verified that this was true -- the 6% matching is done per paycheck, which means it's effectively pro-rated t...

GammaPoint

Leeraar wrote: The simplest, it seems to me, is to contribute to Plan B whatever you need to get the match. Then, if you do have excess total contributions, get them out of Plan A.

Thanks for your advice! It does seem like this will be an option, and is what I'm currently planning on doing.

GammaPoint

Thank you all for your feedback. As you all indicate, there's lots of information I need to glean from my plan administrator to figure out what's possible, but I wanted to get a 'first opinion' here before I got theirs. Some clarifications and comments: 1). When I said 6% match, I meant 100% match u...

GammaPoint

I recently switched jobs from a university employer (as a postdoc) which gave me zero match on my retirement contributions, to a industry employer which gives me a 6% match on contributions. The problem is that about $13k of my $17.5k annual 401(k) limit was made as a postdoc and I received zero mat...

GammaPoint

All my computers (both work and personal) run Xubuntu. I boot into Windows using VirtualBox because I need to run iTunes to put music on my Touch, but that's all I use it for. If I didn't have to use iTunes I would never log onto anything but linux.

GammaPoint

Sorry for the comment. I was referring to his paraphrase of Krugman that only the people that own the robots will get rich. I have read several of Krugman's books, include CONSCIENCE OF A Liberal, and I know his philosophy. This forum does not allow much debate on that so I apologize for the statem...

GammaPoint

See this piece by Paul Krugman ... Smart machines may make higher GDP possible, but also reduce the demand for people -- including smart people. So we could be looking at a society that grows ever richer, but in which all the gains in wealth accrue to whoever owns the robots. ...and this response b...

GammaPoint

I have a separate large value allocation, although I tilt to small value more.

GammaPoint

The best answer of course is to spend some time learning about investing through the resources available and recommended on this forum. If it helps motivate you any more, let me just say that I'm almost 30 years old and have been in school the entire time (PhD and now postdoc in physics). However, o...

GammaPoint

NevadaMarine, All good advice being given here. If there were a lot of intelligent people on here who could tell you that silver was a really good investment right now and was underpriced, wouldn't they likely just pile a lot of their money into it until the price rose? This is true for all investme...

GammaPoint

The Physics of Solar Cells, by Jenny Nelson. The book isn't great and has a number of typos, but I am learning some stuff I should already know but never actually learned.

GammaPoint

That tip line on the credit card authorization has really been popping up almost everywhere in the past, I dunno, 10 years. Sometimes it's even at places that just seem absolutely absurd for it to be. So no, I definitely do not tip at these types of self-service places unless something out of the or...

GammaPoint

I have an expensive bike, like to travel, and like to eat at moderately expensive restaurants (~$60/person range).

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