Search found 261 matches

by keith6014
Sat Mar 28, 2020 8:28 am
Forum: Personal Consumer Issues
Topic: document online printing service
Replies: 5
Views: 309

document online printing service

I have a printer and its not working. I don't want to replace it because I had it for 4+ years and used it no more than 5 times. I need to print some PDFs and word docs. Are there any recommended online printing service which delivers the printed material?
by keith6014
Sun Mar 15, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 247
Views: 26651

Re: My LenderFi refinance is going well

I just closed with LenderFi yesterday. Went from 30-year 3.625% to 25-year 3.125% (no cost, lender credits covered fees, appraisal waived). Initially applied on 2/14, so took almost a month and closed two days before lock expired. Overall, I'd say they did a good job and would recommend. When they ...
by keith6014
Mon Feb 24, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6363

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

One other thing to consider is that if your family is close by, you don't need to "waste" your vacation or money visiting them. Yeah this was also a big factor into it. It would be nice to take vacations - as it is now our "vacations" seem rushed because we are running around to see as much family ...
by keith6014
Mon Feb 24, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6363

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

We were happy in NJ for many years, but I started disliking it (Millburn - Short Hills to be precise) around 5-10 years ago. We are much happier near Boston. If a lot of family lived in NJ, that’s a different story. I am considering moving there in few years when kids get a bit older. Why is it so ...
by keith6014
Sun Feb 23, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6363

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

We were happy in NJ for many years, but I started disliking it (Millburn - Short Hills to be precise) around 5-10 years ago. We are much happier near Boston. If a lot of family lived in NJ, that’s a different story. I am considering moving there in few years when kids get a bit older. Why is it so ...
by keith6014
Sun Feb 23, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6363

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

I live in N.NJ. I live close to your destination. I don't like NJ because of high cost of living, high congestion (possibly the highest in the US), and crappy people's attitude. But, staying closer to family is worth it. I had opportunities to move to Chicago and West coast to make more money. I pas...
by keith6014
Mon Feb 17, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 247
Views: 26651

Re: My LenderFi refinance is going well

also started the process with Lenderfi.

whats is difference between "Estimated cash to close" and "Closing Cost"? What is included in "Estimated cash to close?"
by keith6014
Sun Feb 16, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: refinance
Replies: 9
Views: 780

Re: refinance

Do your closing costs include escrow prepayments? And if so, will you be receiving an escrow refund from the current lender? If you have an escrow account, you need to remove that from the closing cost calculation, because ultimately it's a wash. No, it doesn't include escrow account. With my curre...
by keith6014
Sun Feb 16, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: refinance
Replies: 9
Views: 780

Re: refinance

I don’t know if that’s the best rate around for $1,000 in closing costs. It is worth refinancing as it is a 10-month payback period. If you refinance, consider the following: (1) don’t borrow more than your current loan’s principal balance, (2) pay an additional amount each month towards principal ...
by keith6014
Sun Feb 16, 2020 7:02 am
Forum: Personal Finance (Not Investing)
Topic: refinance
Replies: 9
Views: 780

Re: refinance

For the people shopping around, does it look like a good rate?
by keith6014
Sat Feb 15, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: refinance
Replies: 9
Views: 780

refinance

Planning to refinance my 3.625% 30 year mortgage. I have 26 years left. I got a rate at LenderFi for 3.375% for 30 year for 700k mortgage. Getting $2600 lender credit. Paying close to $1000 out of pocket for closing cost. Overall i save $300 a month. My questions are: 1) Shall I still shop around? O...
by keith6014
Tue Jan 21, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I'm curious as to what TMF and EDV (and TDY, honestly) will look like tomorrow. My guess is it'll look like last Friday again, but more muted. Unless something new happens between now and then. Maybe I should have stayed the course with 40/60! I keep on riding this bull and hoping to not get bucked...
by keith6014
Sun Jan 05, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Good car for toddler and newborn
Replies: 41
Views: 2423

Re: Good car for toddler and newborn

get a minivan
by keith6014
Fri Jan 03, 2020 6:24 am
Forum: Personal Investments
Topic: What funds beat their benchmarks?
Replies: 18
Views: 1852

Re: What funds beat their benchmarks?

Thanks for the info.

According to Morning star, there is a 3% potential capital gain exposure.
According to Market Watch the yield is 9%.
I suspect this should be in a tax exempt account?

Tax Bracket: 32%
by keith6014
Thu Jan 02, 2020 10:45 pm
Forum: Personal Investments
Topic: What funds beat their benchmarks?
Replies: 18
Views: 1852

Re: What funds beat their benchmarks?

High risk, high expense ratio and high turnover. Definitely not a fund for the average Joe :-) What do the latter two things have to do with how good the fund is? As for risk, the Sharpe ratio is much higher than the S&P. Sometimes you just need to get the Boglehead programming out of your system t...
by keith6014
Sat Dec 28, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

My performance according to Morningstar portfolio. 55:45 (TMF:TQQQ): Since Purchase (Annualized): %9.03 (August 12th) Index (Annualized): %10.38 I have added to the portfolio when TMF or TQQQ take big hits (5% or below). I have no rebalancing strategy. I still have cash in my IRA because I anticipat...
by keith6014
Fri Dec 27, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1458
Views: 381604

Re: Share your net worth progression

Year ending rounded to nearest $5k: 2013 - $210,000 2014 - $145,000 2015 - $90,000 2016 - $120,000 2017 - $185,000 2018 - $260,000 2019 - $395,000 I got laid off in July 2013 and didn't go back to work until January, 2016. We are extremely fortunate to have recovered from what was almost a complete...
by keith6014
Fri Dec 27, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149589

Re: High Earners - What's Your Profession?

Software engineer at a hedge fund in NYC. Base is $230k, bonus varies, but was $415k last year. Haven't gotten my numbers for this year yet. How long have you been at it? I have a broadly similar job and my all-in is at ~300 after a couple years. How long have you been working professionally?
by keith6014
Tue Dec 24, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149589

Re: High Earners - What's Your Profession?

Software engineer at a hedge fund in NYC. Base is $230k, bonus varies, but was $415k last year. Haven't gotten my numbers for this year yet. How many years have you been doing this? Would you mind sharing the total comp trajectory? I've been at my fund about 3 years now. With 13 years total experie...
by keith6014
Fri Dec 13, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

For the people who constantly rebalance, how do you measure performance? I have amended from UPRO to TQQQ; TMF to EDV and back to TMF several times. I did 35 trades from August till now. :P Debating if I should use https://goo.gl/5NSnKi from https://www.bogleheads.org/wiki/Calculating_personal_retur...
by keith6014
Thu Dec 12, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Anyone else backed out? just curious - @Moto what amount of $$ had you vested in it when you were active? Was it taxable or tax deferred? Put in $21K and change, pulled out $31K and change. It was my entire Roth IRA. If you put the $21k in VFIAX(S&P) and pull out at the same time how much would you...
by keith6014
Tue Nov 19, 2019 7:18 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

How does the CoT work? I see Dec 24th 2018 as SELL but I would buy. Is it supposed to have some predictive power? The Sell was the -40% rate of change of a net position, it is mis-labelled. The COT data presented like that would be useful to a discretionary trader, not a mechanical system. You can ...
by keith6014
Mon Nov 18, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

How does the CoT work? I see Dec 24th 2018 as SELL but I would buy. Is it supposed to have some predictive power?
by keith6014
Sun Nov 10, 2019 9:15 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

While I'm no longer in TMF myself, watching it fall so precipitously from such highs is painful. I just needed to get that off my chest. You'd have to go all the way back to July 31st 2019 to see these prices, dividends aside. I hold TMF. Its down a lot and I have been putting capital to it. As a c...
by keith6014
Fri Nov 01, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: Treasury yield curve: changes for October 2019
Replies: 15
Views: 1866

Re: Treasury yield curve: changes for October 2019

Thought some folks might be interested in a visual of how Treasury yields changed in October: https://i.postimg.cc/L6LVFQbX/Screenshot-2019-10-31-Treasury-gov.png So shorter-term yields dropped significantly, while yields at 3-year maturity and beyond didn't change much or increased slightly. So no...
by keith6014
Tue Oct 29, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: Google sheets portfolio tracking
Replies: 2
Views: 730

Re: Google sheets portfolio tracking

JoeRetire wrote:
Tue Oct 29, 2019 7:49 am
keith6014 wrote:
Tue Oct 29, 2019 6:17 am
Does such a thing exist?
https://www.google.com/search?q=google+ ... io+tracker
Thanks! Didn't know that existed
by keith6014
Tue Oct 29, 2019 6:19 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 79
Views: 5797

Re: New Computer with or without SSD?

Turkishcoffee wrote:
Mon Oct 28, 2019 4:17 pm
Don’t even think about a new computer without SSD. You will regret it. Sooooo much better, booting speed is night and day.
+1
Big difference. Most bang for buck
by keith6014
Tue Oct 29, 2019 6:18 am
Forum: Personal Finance (Not Investing)
Topic: passing assets before retiring?
Replies: 23
Views: 2443

Re: passing assets before retiring?

Thegame14 wrote:
Fri Oct 25, 2019 1:18 pm
maybe this is related to the 5 year look back rule for Medicaid. Some people will gift money to their heirs so that if they need long term care, they don't have assets to deplete before Medicaid kicks in and pays for it.
Yes. This was it!

I guess this is what a Trust and Longterm care is for.
by keith6014
Tue Oct 29, 2019 6:17 am
Forum: Investing - Theory, News & General
Topic: Google sheets portfolio tracking
Replies: 2
Views: 730

Google sheets portfolio tracking

Is there a good Google sheets portfolio tracking. I am building one myself to manage a portfolio but I keep coming across weird Google Sheets issues.

I am looking for something simple with tabs. Tab1: All Transactions. Tab 2: Compare against benchmark. Tab 3: P&L

Does such a thing exist?
by keith6014
Tue Oct 29, 2019 6:14 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

has hedgefundie recently posted his recent performance? I'm only 6 weeks in and down about 3.4%. VTSAX is up over the same window. I never learn... :oops: 2 months now. Benchmark(SPY) is up 4.15%. But I am down -2.86%. I am in TQQQ:TMF (45,55). Seems like your benchmark should be QQQ, no? Thats a g...
by keith6014
Tue Oct 29, 2019 6:12 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

has hedgefundie recently posted his recent performance? I'm only 6 weeks in and down about 3.4%. VTSAX is up over the same window. I never learn... :oops: 2 months now. Benchmark(SPY) is up 4.15%. But I am down -2.86%. I am in TQQQ:TMF (45,55). If you started very recently.... it was a bad time to ...
by keith6014
Mon Oct 28, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

queso wrote:
Fri Oct 25, 2019 7:37 am
keith6014 wrote:
Fri Oct 25, 2019 6:03 am
has hedgefundie recently posted his recent performance?
I'm only 6 weeks in and down about 3.4%. VTSAX is up over the same window. I never learn... :oops:
2 months now. Benchmark(SPY) is up 4.15%. But I am down -2.86%. I am in TQQQ:TMF (45,55).
by keith6014
Fri Oct 25, 2019 6:37 am
Forum: Personal Investments
Topic: 401k after tax contribution
Replies: 5
Views: 419

401k after tax contribution

I realized my company offers 401k after tax contribution. I already max out my 401k($19k), TIRA (roll over to RIRA).

When I contribute the remaining $37k should I put it in cash equivalent fund because I plan to roll over to a RIRA?

What is the best way to this?
by keith6014
Fri Oct 25, 2019 6:21 am
Forum: Personal Finance (Not Investing)
Topic: passing assets before retiring?
Replies: 23
Views: 2443

Re: passing assets before retiring?

Gill wrote:
Fri Oct 25, 2019 6:12 am
This is the dumbest advice ever given. Do you really want to impoverish yourself for the remainder of your life in an effort to defeat your creditors?

Gill
HA! thats what I though too. I though there was a punchline in the story but there wasn't.
by keith6014
Fri Oct 25, 2019 6:03 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

has hedgefundie recently posted his recent performance?
by keith6014
Fri Oct 25, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: passing assets before retiring?
Replies: 23
Views: 2443

passing assets before retiring?

My co-worker heard from someone that before one retires they should pass their assets to others. The reason being, if they are in medical jeopardy the creditors won't come after assets such as their brokerage and retirement accounts. Is this really a thing? :?
by keith6014
Sun Oct 06, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Question for those using TQQQ instead of UPRO: Are you using TMF or EDV for the other part? And for which reasons please? Anyone here that did something like 43/57 TQQQ/EDV or 55/45 TQQQ/TMF? Thanks. I am doing TQQQ/TMF (45/55). Reason: I am greedy. :mrgreen: I have been doing it for 1.5 month so f...
by keith6014
Fri Oct 04, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

after a little bit more than a month in the strategy, as of today I am beating S&P 500 benchmark by 1%.

Started the strat on Aug 13.
Total of 20 transactions. 18 buy 2 sell.
Target percentage: 55:45 (TMF/TQQQ). At the moment: %58.15,41.85
by keith6014
Thu Oct 03, 2019 5:29 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Using Leveraged ETFs to Improve Buy and Hold Return https://www.priceactionlab.com/Blog/2019/06/leveraged-etf/ Of course he charges for this method/signals. Backtest period: 01/04/2010 – 06/24/2019 UPRO 30.8% cagr, -51.9% max DD Strategy 26.32%, -24.8% max DD I discussed this idea in depth a while ...
by keith6014
Mon Sep 30, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Besides PIMCO stock plus and NTSX are there any similar ETFs or OEFs? I am going to long NTSX in taxable soon. not etfs, but funds that gain leveraged exposure. likely not tax efficient, 2.44 morningstar tax cost ratio. dsenx - doubleline shiller enhanced cape is leveraged fund that reflects 100 pe...
by keith6014
Wed Sep 25, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

A question for the peanut gallery, anyone else's lives just totally consumed with this thread :D ? I mean, ever since I've been invested in leveraged ETFs 3 months ago, I've been non-stop reading every single thing on finance + leverage academic literature I can find. It's quite unhealthy the amoun...
by keith6014
Mon Sep 16, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I think I may be one of the remaining few, if not only one(?), to be in the original 60/40 TMF/UPRO allocation. I started Feb 22nd and was up about 50% at one point. The portfolio has taken a bit of a dip the last 10 days though. I'm now up 38% since starting. I'm not sure when/if I'll change the a...
by keith6014
Sun Sep 08, 2019 8:40 am
Forum: Personal Investments
Topic: So...Hedgefundie
Replies: 26
Views: 4258

Re: So...Hedgefundie

Have you actually put your own $100K real money into your strategy? (I’m at $153k as of today) I put in $98k on 4/2/2019 and am up $28k (29%). I am closer to global market weighting and also use EDC and DZK (MSCI Emerging and EAFE) which I think Hedgefundie's thread doesn't recommend due to the hig...
by keith6014
Sun Sep 08, 2019 8:32 am
Forum: Personal Investments
Topic: So...Hedgefundie
Replies: 26
Views: 4258

Re: So...Hedgefundie

Have you actually put your own $100K real money into your strategy? (I’m at $153k as of today) I put in $98k on 4/2/2019 and am up $28k (29%). I am closer to global market weighting and also use EDC and DZK (MSCI Emerging and EAFE) which I think Hedgefundie's thread doesn't recommend due to the hig...
by keith6014
Sun Sep 08, 2019 6:00 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Hi, why not use futures (instead of leveraged ETFs)? Thank you for your excellent work. This has been discussed widely. Futures require a larger portfolio size, especially if one wants to actually take advantage of any form of rebalancing bonus. They also require more day-to-day attention, unless y...
by keith6014
Mon Aug 26, 2019 7:09 am
Forum: Personal Investments
Topic: VWALX High Yield Tax Exempt Is It Really This Amazing?
Replies: 20
Views: 2772

Re: VWALX High Yield Tax Exempt Is It Really This Amazing?

AerialWombat wrote:
Sat Aug 24, 2019 10:04 pm
I like this fund. It is my only holding in taxable brokerage.
Ditto. I hold it as a my tier 2 savings tranche. Tier 1 saving is bank checking account cash.
by keith6014
Wed Aug 21, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4110
Views: 342187

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

HEDGEFUNDIE wrote:
Wed Aug 21, 2019 1:38 pm
Just hit 50% total return, and it only took 6.5 months. Compare that to 8% for the S&P 500.

So much for volatility decay and low interest rates!
Congrats. When you notice substantial changes in your portfolio?
by keith6014
Sat Aug 10, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 364377

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

HEDGEFUNDIE wrote:
Sat Aug 10, 2019 3:12 pm
I am taking these critiques seriously, and will be issuing a revision to the strategy tomorrow.
great thread. Only controversy I can think of is rebalancing frequency.
by keith6014
Sat Aug 10, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 364377

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

If you are not using M1, do you set limit or market orders when rebalancing? If one asset is performing very well, do you sell its counterpart and place a stop loss order for the appreciating asset and then rebalance? That was my intention. I plan to rebalance every 61-90 days.