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Re: Tiny house movement.

I love the idea, but that's a tight fit. My wife and I are raising three children in a 1940s Cape Cod house that has 1,150 square feet of "finished" space plus a basement with a semi-finished 400 square foot rec room and another ~200 square feet utility room (with washer/dryer, furnace, ho...
by hoppy08520
Mon Sep 15, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 54
Views: 3225

Re: Reconstructing Vanguard's International Fund in 401k

Regarding the tax efficiency of TSM vs TISM, based on what I've read in past posts on this topics, it's very close and it also depends on the particular taxpayer. At lower tax brackets, TISM might be preferable in taxable, but at higher tax brackets like the OP's father, then TISM might have a sligh...
by hoppy08520
Sun Sep 14, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 684

Re: Estate Planning & investing

One tip: make sure you have the beneficiary forms for your life insurance policy(ies) and retirement accounts (401(k)s, IRAs, etc.) done right, both primary and contingent. People focus a lot on wills, but overlook these accounts. Life insurance and retirement accounts typically bypass your will and...
by hoppy08520
Sat Sep 13, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning & investing
Replies: 10
Views: 1001

Re: FSIVX or FSGDX be similar to VGTSX

I think you got the answers, but you can also look at the Fidelity wiki page which compares the international funds of Fidelity and Vanguard.
by hoppy08520
Sat Sep 13, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: FSIVX or FSGDX be similar to VGTSX
Replies: 7
Views: 603

Re: Reconstructing Vanguard's International Fund in 401k

I would consider flipping the allocations around so you don't have to worry about synthesizing Vanguard Total International Stock Market Index Fund (TISM). In the taxable account (31% of total portfolio), simply hold the entire TISM allocation there, along with Total Stock Market (TSM) and/or Total ...
by hoppy08520
Sat Sep 13, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 684

Re: Anyone use Legal Zoom for LivingTrust?

We generally provide for children in trust rather than outright, to keep the children's inheritances out of their estates, and to protect against their creditors and spouses. So control adult children from beyond the grave? No, the idea is to keep the assets in trust but at some point make the adul...
by hoppy08520
Thu Sep 11, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4772

Re: 2015 Contribution Limits For 403(b)/401(k) Accounts

In a recent blog, The Finance Buff predicted based on current CPI data that the 401(k) limit will go up by $500, but IRA limits will not change. Start saving your spare change now.

http://thefinancebuff.com/2015-401k-403 ... imits.html
by hoppy08520
Thu Sep 11, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Contribution Limits For 403(b)/401(k) Accounts
Replies: 2
Views: 630

Re: What do you measure your AA against?

You can find a Retirement Fund (changes over time) or a Lifestyle Fund (does not change over time) that has a similar AA to what your AA is and compare it to that. This is what I do. I look at TR2030, as it has the closest AA to mine. Comparing a portfolio to the S&P500 is useless. Chip I do th...
by hoppy08520
Sun Sep 07, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1100

Re: Opinions on Social Index Fund (VFTSX)?

FYI, there have been a number of posts her in SRI and a wiki page. I encourage you to search SRI to read more.
by hoppy08520
Sat Sep 06, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: Opinions on Social Index Fund (VFTSX)?
Replies: 19
Views: 1489

Re: Question on Buffet's recent investment advice

Suggestion: give the names of the funds and not just tickers. Very few of us have all the tickers memorized.
by hoppy08520
Sat Sep 06, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Buffet's recent investment advice
Replies: 8
Views: 1728

Re: Vanguard National Trust Company?

This is a surprising result. It seems very odd to me that Vanguard would go to the trouble of setting up a Trust Company but not have that company be eligible to accept testamentary trusts. Have others had the same experience with VNTC? If so, what is the precise reason why VNTC cannot accept testa...
by hoppy08520
Fri Sep 05, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 91
Views: 18676

Re: Vanguard National Trust Company?

deleted...
by hoppy08520
Fri Sep 05, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 91
Views: 18676

Re: Offered Promotion, but longer commute

It is 90 miles roundtrip on freeways against traffic. As a fellow resident in the Washington DC region, may I suggest that there are no routes here that go "against traffic". Even if it really were a "reverse commute", I vote down. 90 miles a day in a car commute is slow suicide...
by hoppy08520
Thu Sep 04, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 2959

Re: Moving from money manager to self directed

Welcome to Bogleheads. How to wind down a position of individual stocks (or funds) into a Boglehead portfolio of passive index funds is a common question. For stocks, unless you have a large portion of your portfolio in a small number of stocks, then there usually isn't an emergency. You mention the...
by hoppy08520
Thu Sep 04, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from money manager to self directed
Replies: 8
Views: 512

Re: Should I ? TSP => Fidelity PAS

Here's another good one. A lot of good, red meat in here for the true Boglehead believers: The investment industry is doing and saying anything it can to get at your TSP account, and it’s not your benefit it has in mind. I urge you to resist the temptation to believe there is some better solution to...
by hoppy08520
Wed Sep 03, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I ? TSP => Fidelity PAS
Replies: 11
Views: 522

Re: Should I ? TSP => Fidelity PAS

jrsmooth, I recommend reading the following: Over 20 years, any professional manager will win some years and lose some. In the end, the wins and losses will tend to even out, and a good manager’s performance will likely wind up matching the market’s average, before costs and fees. After costs and fe...
by hoppy08520
Wed Sep 03, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I ? TSP => Fidelity PAS
Replies: 11
Views: 522

Re: HSA pre-tax contribution rules

You still have four months to get approximately 1/3 of your max contribution by payroll deduction. Why wouldn't you do that rather than all as a separate contribution? It is as simple as form 8889 and line 25 on form 1040. I must be missing something in the logistics of this, but from a tax standpo...
by hoppy08520
Tue Sep 02, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1308

Re: What to do with 401K portfolio moving from TSP Gov

Why do you want to leave the tsp? Do you have other investments? At a 4% safe withdrawal rate, that's $10K per year, so you should be ok. I just wouldn't be so quick to leave the tsp.
by hoppy08520
Sat Aug 30, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K portfolio moving from TSP Gov
Replies: 18
Views: 1239

Re: HSA pre-tax contribution rules

I see. I recommend talking to HR/payroll. Hopefully they can make this happen. I think this is probably more of an internal HR issue and not necessarily a HSA issue. If HR says they can't do it, then you can still make a contribution and deduct it from your taxable income. Only drawback to doing so ...
by hoppy08520
Sat Aug 30, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1308

Re: HSA pre-tax contribution rules

The IRS doesn't care and I doubt most custodians care, but your HR/payroll system might not offer that option. Most regular employees will probably want regular even contributions so the systems don't offer other options. I recommend talking to your HR. There might be a way to do this. But they'll p...
by hoppy08520
Sat Aug 30, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1308

Re: Autopilot Investments Broken and I am Confused

autopilotcrashing, welcome to Bogleheads. I like your username. Hopefully with a little knowledge you can start flying in the right direction. Before any recommendations, a few questions first. 1. Are you comfortable being 88% stock, 12% bonds, at age 43? Many here would call that a bit aggressive a...
by hoppy08520
Sat Aug 30, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Autopilot Investments Broken and I am Confused
Replies: 13
Views: 1453

Re: Please Advice This Portfolio

minhnusa, to answer your first question, it's quite common for a couple to amass a number of different retirement accounts over the years, some of which you might not be able to (or want to) contribute to at a particular time. Generally, to keep your overall AA in balance, it often works best if you...
by hoppy08520
Sat Aug 30, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Advice This Portfolio
Replies: 2
Views: 436

Re: The Power of Zero: Controversial New Book About Taxes

Joe, regarding your own scenario, you look like the perfect candidate for traditional 401(k) contributions, not Roth. If you retire early at age 52, you'll have 18 (!) years before Social Security (assuming you start at age 70) and RMD during which you can do Roth conversions at no/low taxes due to ...
by hoppy08520
Fri Aug 29, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5201

Re: My husband's " WILL", $ left for me to live on....

I'll just add that it appears that the OP's husband has been spending joint (marital) income over the last decade to pay down mortgages on properties with his name only on the deed, thus making the OP essentially partial owner of those properties. So I don't see how the husband can include jointly ...
by hoppy08520
Fri Aug 29, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17336

Re: The Power of Zero: Controversial New Book About Taxes

Yawn. Follow the money. This book is a veiled advertisement for the author's insurance products. It's all a setup to strike fear in people so they'll buy his garbage. Just read this below from an insurance industry website. It's a pitch to insurance sales people to sign up for David McKnight's progr...
by hoppy08520
Fri Aug 29, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5201

Re: pay health bill from HSA or from checking?

I think though you're overstating the risks for a married couple. Accidents happen but they aren't the most common cause of death as we age. Typically we become ill, and eventually die. Being ill incurs medical bills. You, or your surviving spouse, can spend down the HSA at that time. Then the surv...
by hoppy08520
Fri Aug 29, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 3928

Re: pay health bill from HSA or from checking?

Here is the real case of poor estate planning - should you die with a huge HSA and no spouse to inherit it, the complete sum is distributed to the heir and 100% ordinary income tax is due on it - surely wiping out in one fell swoop 30% of your HSA. Had you put the money in a taxable account, it wou...
by hoppy08520
Fri Aug 29, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 3928

Re: Help - 401k Plan at Work Switching From Fidelity to JH

To the OP, there is a wiki page on John Hancock funds: John Hancock Funds.

As mhalley wrote, there's a lot of variation. I've seen a lot of JH plans posted here and they all have different lineups and costs.
by hoppy08520
Thu Aug 28, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help - 401k Plan at Work Switching From Fidelity to JH
Replies: 11
Views: 1001

Re: Total International Bond Index Fund

I just don't know anymore. Vanguard is really marketing this fund. The fund assets are over $25 BILLION now and going to pass the Intermediate Term TIPS fund soon. I expect this fund to become the second largest Vanguard bond fund very soon. I suspect a large share of the fund's assets have to do w...
by hoppy08520
Wed Aug 27, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2708

Re: How I beat Indexing... in 1 hour

SuperSaver, congrats on your hot hand, but remember that over time, the house always wins.
by hoppy08520
Wed Aug 27, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 55
Views: 7748

Re: 401(k) poll - lawyer/oil and gas worker/airline employee

This article doesn't make sense. It's not comparing the employer benefits, it's simply comparing the average 401K balance and then theorizing that the higher the balance means it must be better. Notice it narrows the employee base of law firms to partners and airlines to pilots. Of course those hig...
by hoppy08520
Wed Aug 27, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1766

Re: 401(k) poll - lawyer/oil and gas worker/airline employee

Tech (computer software) industry. Employee count around 300. AUM - not sure but I'll guess $20M. 401(k) custodian: T. Rowe Price Fees: Participants pay a flat 0.25% fee on balances PLUS fund expenses. Best funds: most Fidelity Spartan index funds. 500-index and Extended Market at 0.1% ER, making th...
by hoppy08520
Wed Aug 27, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1766

Re: Total International Bond Index Fund

AlwaysSkeptical, welcome to Bogleheads. With the debut of the international bond fund earlier this year, Vanguard's all-in-one funds (LifeStrategy and Target Retirement Date) have 20% of bonds in the international bond fund, and this is now part of Vanguard's "company line" with regard to ...
by hoppy08520
Tue Aug 26, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2708

Re: Total world stock or diversification

I don't know the answer, but it is easier to keep track of the foreign tax credit by using separate funds? Also, is tax loss harvesting (or tax gain harvesting) easier with single funds? Plus the expense ratios of the single funds are lower than VT's ER.
by hoppy08520
Tue Aug 26, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock or diversification
Replies: 3
Views: 434

Re: My Portfolio, Simplicity vs Expense Ratio Optimization

aj44, I would agree with Taylor. Having seen many portfolios here at Bogleheads, there are time when it might make sense to do some contortions to achieve lower fees. But I don't think your scenario follows that pattern because both you and your wife have great 401(k)/TSP plans. If one or the other ...
by hoppy08520
Mon Aug 25, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio, Simplicity vs Expense Ratio Optimization
Replies: 7
Views: 998

Re: Buy & Hold Forever Blue Chip Stocks???

InvestorNewb wrote:^ You may want to post the above in a new thread.

Actually, he did here: Portfolio Help from Newbie but this thread's subject is like chum for Bogleheads so his other thread might not get as much visibility.
by hoppy08520
Mon Aug 25, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 4319

Re: Portfolio review - input needed please

Breaking this down, I see: ⋅  90% stock, 10% bonds/cash ⋅  Within stocks, 50/50 US/International ⋅  Within US stock, an interesting allocation compared to what I see here. You have a base of TSM with an overweight to mid-cap. ⋅  Within international, I see 44%...
by hoppy08520
Mon Aug 25, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 652

Re: Early MidlLife Portfolio Crisis! Taxable Account

SuperSaver, welcome to Bogleheads. Question: do you have an IRA? Is your income above the Roth IRA phaseout? I'd contribute $5,500 to an IRA first, and then anything you have left over contribute to a taxable account.
by hoppy08520
Sun Aug 24, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help from Newbie
Replies: 7
Views: 1042

Re: Reaching some milestones, need help making a decision

I was going to reply in the morning but had to head out of the house. I was going to suggest 50% to short/near-term needs and 50% to increasing your TSP contributions. Now that I've come back to the thread, I see a few others have said the same thing. Then if/when you get your next raise, see if you...
by hoppy08520
Sun Aug 24, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching some milestones, need help making a decision
Replies: 7
Views: 1218

Re: Help with AA for 25 year old

While I agree with truebluesky and gvsucavie03 in theory, and if I were the investor I'd set my my portfolio that way to use the Spartan index funds, but I would caution recommending that to someone I don't know. Unless she understands the why and how, having a portfolio like that might just be conf...
by hoppy08520
Sun Aug 24, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 530

Re: Asset Allocation in Vanguard LifeStrategy Funds

I believe the Target Date funds have the same proportions as the LifeStrategy funds, other than the Income fund which adds a TIPS fund into the mix. Also, there are frequent posts from people who get Vanguard's "Ask a CFP" advice and ask for feedback, and it seems that Vanguard's CFPs read...
by hoppy08520
Sat Aug 23, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation in Vanguard LifeStrategy Funds
Replies: 8
Views: 1336

Re: new to investing - please help with re-balancing retirem

Hello and welcome to Bogleheads. I am currently 100% in VALIC FIXED-INTEREST funds. I would like to balance it with approximately 40% bonds and 60% stocks (preferably US and international stock index funds). Please help me on how I can balance my Valic portfolio. I have to say, this sets off red fla...
by hoppy08520
Sat Aug 23, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to investing - please help with re-balancing retirement
Replies: 4
Views: 389

Re: 401k ER Reduction / Bond Funds

Is there another Vanguard bond fund(s) that would be preferred over Total Bond Market Index? I'd say it depends on what you're looking for and what your aim is for the fund and its role in your overall portfolio. One should not look at a fund in isolation but how it fits into your overall portfolio...
by hoppy08520
Sat Aug 23, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k ER Reduction / Bond Funds
Replies: 11
Views: 940

Re: 401k ER Reduction / Bond Funds

Looks good to me.
by hoppy08520
Sat Aug 23, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k ER Reduction / Bond Funds
Replies: 11
Views: 940

Re: Spouse not ready to cut ties with financial advisers

It seems one of the job descriptions of "financial advisor" is "play poker with clients". Or take them on a boat ride. Your advisors' poker games with your husband reminded me of a thread from earlier this year about another poker buddy financial advisor: It was tough breaking up...
by hoppy08520
Sat Aug 23, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8949

Re: New Investor- Am I making sound investments?

Megan, welcome to Bogleheads. It looks like you're off to a good start. I can see rolling over your old 401(k) into an IRA as the other responder wrote, and put it in Target Date 2050. If you have more to invest right now, then I'd recommend a mix of Vanguard Total Stock and Vanguard Total Internati...
by hoppy08520
Wed Aug 20, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2638

Re: How the rich stay/get richer??

I don't think this has anything to do with dividends or principal per se. What you're describing is just anther entry in the total return vs dividend investing debate. See Larry Swedore's column: Dividends And Behavioral Econ Yes, I remember that article and I understand that when dividends are pai...
by hoppy08520
Tue Aug 19, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4984

Re: How the rich stay/get richer??

I don't think this has anything to do with dividends or principal per se. What you're describing is just anther entry in the total return vs dividend investing debate.

See Larry Swedore's column: Dividends And Behavioral Econ
by hoppy08520
Tue Aug 19, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4984
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