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Re: Your biggest "Missed Money" event that still kills you?

I almost bought a $100 or so of bitcoins back when they were going for about a dollar each...
by levendis
Mon Aug 18, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8353

Re: Chromebox

I have a Celeron Chromebox that I wiped the operating system off of and replaced it with OpenELEC and XBMC. Easy enough to do and it makes a fantastic home media center.
by levendis
Fri Aug 08, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Chromebox
Replies: 19
Views: 5299

Re: This fund is .015% ER?!

dbr wrote:I think all funds in the Federal Government TSP come in about 0.015%

Not quite - they vary from 0.026% to 0.039% as of last year.
by levendis
Fri Aug 08, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: This fund is .015% ER?!
Replies: 6
Views: 1017

Re: HSA Strategy for high income earners

I'm surprised that nobody mentioned the fact that funds from an HSA may be withdrawn for any reason after 65 (subject to tax but no additional penalty). That effectively converts the HSA into an IRA if not used for medical expenses. Even then, it's better to use it for health-related expenses, to g...
by levendis
Thu Aug 07, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5893

Re: VFSVX - No more fees

grabiner wrote:If the fund adds Admiral shares, then it could be worth switching (assuming you are in a tax-deferred account).

That's my conclusion too - thanks. Yes, it's in a Roth IRA.
by levendis
Thu Aug 07, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 876

Re: VFSVX - No more fees

Usually I am not in a hurry to have my transaction go through, so if selling, I usually try to sell at the highest value of the day. I will set my limit price higher than what is the current ask and let folks come to me. If buying, I will set my limit price lower than the current bid, but not unrea...
by levendis
Wed Aug 06, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 876

Re: VFSVX - No more fees

InvestorNewb wrote:The title of the thread is misleading because it sounds as though Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares (VFSVX) does not have any fees, even though the expense ratio is 0.40%.

Sorry - fixed.
by levendis
Wed Aug 06, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 876

Re: VFSVX - No more fees

livesoft wrote:I think worrying too much about the bid/ask spread is really a red herring. If you use limit orders and place an order on non-slow day, then you will not pay the full bid/ask spread.

How do you decide where to set your limit - do you set it for lower than the ask price?
by levendis
Wed Aug 06, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 876

VFSVX - No more purchase or redemption fees

I've been using VSS (Vanguard FTSE All-World ex-US Small-Cap ETF) for one-third of my international allocation, since the mutual fund equivalent, VFSVX (Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares) had purchase and redemption fees last time I checked. I just noticed that those...
by levendis
Wed Aug 06, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSVX - No more purchase or redemption fees
Replies: 9
Views: 876

Re: HSA Strategy for high income earners

You could charge $5000 on your credit card, and then withdraw $5000 from your HSA to your regular bank account to write a check for the credit card payment. Your HSA should allow either check-writing or withdrawals by mail. Wow... for some reason I hadn't realized I could do that. I had always thou...
by levendis
Wed Aug 06, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5893

Re: HSA Strategy for high income earners

I'm not too worried about the documentation. I think what I have (EOBs from insurance company and tax returns) is enough unless they're trying to prove that I'm Al Capone. That's good, but I don't think that works for me. Most of my receipts are for things like contact lenses that don't run through...
by levendis
Tue Aug 05, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5893

Re: HSA Strategy for high income earners

the tradeoff is between tax-free growth vs having to maintain documentation This is what I still don't get - don't we need to maintain the documentation either way? Even if we reimburse ourselves immediately, we still have to save those receipts to justify that reimbursement in any future audit, ri...
by levendis
Tue Aug 05, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5893

Re: How do you document your HSA "stuff?"

I figure that over the next 20 years I might lose scanned files, but the file cabinet with the envelopes in it is hard to lose track of. The problem there is that many receipts are not durable and even paper copies might not be, even if kept in an envelope. Receipts or copies can be lost in a fire,...
by levendis
Tue Aug 05, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2251

Re: Missing TSP Contribution?

Interesting, my TSP contribution doesn't post until Tuesday night following a paycheck, or at least I never see it there before Wednesday.
by levendis
Mon Jul 21, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missing TSP Contribution?
Replies: 13
Views: 1905

Re: HSA Funding?

If you can fund your HSA through a payroll deduction, that's preferable, since you wouldn't pay any payroll taxes on that money. I don't know about the credit card funding, but you could check with the credit card company or just try it once and see if it's treated as a cash advance. You should be a...
by levendis
Mon Jan 06, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Funding?
Replies: 5
Views: 542

Re: work 401k pre-tax / roth 401k confusion

It's probably considered one account, but on your statement it should tell you what % is Roth and what % is regular 401k. Any withdrawals will probably be on a proportionate basis - but contact the managers of your plan and ask.
by levendis
Mon Dec 16, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: work 401k pre-tax / roth 401k confusion
Replies: 4
Views: 274

Re: 26 Years Old, First Time Investor

placeholder wrote:
Tax Rate: 15% Federal, 15% State
State of residence: MA

That's not right MA has a flat tax of 5.25%: http://www.mass.gov/dor/all-taxes/tax-rate-table.html

Actually, it's going down to 5.20% next year. Woo-hoo!
by levendis
Tue Dec 10, 2013 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 Years Old, First Time Investor
Replies: 6
Views: 756

Re: Federal Retirees: Why Medicare?

I currently have the "Aetna HealthFund -HDHP", however I'm wonder if the GEHA with HDHP would be a better alternative. I'm also in the DC area and so far haven't used the plan other than for routine checkups. Any benefits of one vs the other? I'm comparing those myself. According to the O...
by levendis
Wed Nov 06, 2013 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 6312

Re: Is 3D tv better for Non-3D viewing?

In general, yes - they have higher quality panels required for 3D that also make your 2D-viewing better. Also, most TVs that don't have 3D as an option are low-end models. It's not worth thinking of it as paying for a feature you won't use, it's just paying for a better-quality television.
by levendis
Tue Oct 08, 2013 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Is 3D tv better for Non-3D viewing?
Replies: 9
Views: 873

Re: Federal Thrift Savings Plan: G-Fund or F-Fund?

There are many strong arguments on here in favor of the G fund (and therefore ignoring the F fund completely). See here for example: http://www.bogleheads.org/forum/viewtopic.php?p=688142
by levendis
Tue Sep 17, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Federal Thrift Savings Plan: G-Fund or F-Fund?
Replies: 13
Views: 2168

Re: Are you an Iphone or Android guy?

Samsung Android phone with T-Mobile, $30/month no contract. Waiting for the next Google Nexus phone to upgrade. I also have a Nexus 7 tablet, which is fantastic.
by levendis
Tue Sep 10, 2013 11:27 am
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 7429

Re: Should AA change based on pension?

Your wife is 27, she has no idea what her annuity is going to pay, or if she'll even stay with the federal government nonstop for the rest of her career. Congress is already trying to cut back on the FERS benefits, and it's impossible to predict what they'll be in 30 years. Think of it like Social S...
by levendis
Tue Aug 20, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should AA change based on pension?
Replies: 5
Views: 316

Re: Google Spreadsheets n/a error

It's working fine for me currently, but I'm only pulling current fund prices.
by levendis
Wed Jul 31, 2013 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Google Spreadsheets n/a error
Replies: 2
Views: 302

Re: Which way should I go

c. bagley wrote:
FinancialRamblings wrote:If I move the balances of 2040 and 2050 to 2045 then I would no longer be contributing to the 40 & 50 nor would I have to pay the .21% ER.

Yes you would, it's a percentage. It looks like you'd save 0.01%, but that's not significant.
by levendis
Fri Jul 26, 2013 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which way should I go
Replies: 13
Views: 1356

Re: Tax bracket / Roth TSP question

Excellent, thanks all! Bob's not my name, those financebuff articles are great... As a follow-up question, withdrawals from the TSP and Roth TSP in retirement have to be proportional (If you had $150,000 in TSP and $50,000 in Roth TSP upon taking a withdrawal of $1,000, $750 would come from TSP and ...
by levendis
Tue Jul 16, 2013 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax bracket / Roth TSP question
Replies: 5
Views: 341

Tax bracket / Roth TSP question

As a federal employee firmly within the 25% tax bracket, I haven't bothered with the new Roth TSP option since it didn't seem to be worthwhile. However, next May I'll be getting married, and my lovely bride-to-be will be a med student with no income for all of 2014. As I figure it, filing as married...
by levendis
Tue Jul 16, 2013 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax bracket / Roth TSP question
Replies: 5
Views: 341

Re: engagement ring purchase

Are there any good alternatives to diamonds for an engagement ring that's socially acceptable? I ask because if we really didn't care about what society thought, we probably wouldn't do the whole ring thing at all. Sure, there are plenty of alternatives. I gave my fiancée a nice sapphire ring, whic...
by levendis
Thu Jul 11, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: engagement ring purchase
Replies: 30
Views: 2505

Re: Old AT&T IPhone to Cheap Network?

Virgin Mobile works with iPhones now - $35/month for unlimited data, unlimited texts, 300 mins, no contract. Uses the Sprint network. If you talk more than that, they have other cheap plans.

http://www.virginmobileusa.com/cell-phone-plans/
by levendis
Thu Sep 13, 2012 10:07 am
 
Forum: Personal Consumer Issues
Topic: Old AT&T IPhone to Cheap Network?
Replies: 23
Views: 2493

Re: Stopping by These Woods on A Snowy Evening for a Quick E

mhc wrote:Vanguard Total International Stock Index has it all (developed/emerging, large/mid/small). It is a great fund.

True, but it's 90% Large Caps. Some VSS would add mid/small-cap weight.
by levendis
Fri Jul 06, 2012 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Stopping by These Woods on A Snowy Evening for a Quick Eval
Replies: 12
Views: 1353

Re: Fed employee boglehead portfolio check

I'm just trying to reflect the balance of the total market as it is. Maybe it's me, but that's something I never realized from seeing your portfolio. (I'm not the sharpest tool in the shed.) You're right... I guess I was trying to do more than that. I think I was trying to figure out what "the...
by levendis
Tue Jun 26, 2012 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Small changes: Current portfolio = $50,000 54% TSP (all regular, not Roth) 17% G Fund (0.025%) 20% C Fund (0.025%) 17% S Fund (0.025%) 46% Roth IRA at Vanguard 30% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) (0.18%) 10% Vanguard FTSE All-World ex-US Small-Cap ETF (VSS) (0.28...
by levendis
Tue Jun 26, 2012 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Perhaps, I'm not experienced enough, but is there an important reason why REIT would be better than Emerging Markets? Not better, they're just different things and don't correlate... for ideal diversification, I should have both, right? And I don't know if there is anything that says that internati...
by levendis
Tue Jun 26, 2012 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

The reason I suggest this is because you can do it in the TSP - you don't need to use any of your (dwindling) Roth space to achieve it. Yes, value would be nice, but you don't have space for it unless you are willing to trade REIT for small cap value. Not necessarily: I'll have plenty of space in m...
by levendis
Tue Jun 26, 2012 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Ok moving target here - this asset allocation seems to be changing even as I'm reading it! Ha, sorry... I made a change based on YDNAL's subsequent comments... I think this idea is fine except for one thing - the international small cap is a huge overweight. That's what I thought, I was just going ...
by levendis
Mon Jun 25, 2012 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Yes, don't get too hung-up on today... work towards tomorrow. I'm not getting hung up, I'd just like to know that I have things in the right places for the future. I don't see the point in waiting for new money to balance, since I can move things around cost-free at both the TSP and Vanguard. But y...
by levendis
Mon Jun 25, 2012 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Okay, here's my new plan based on suggestions in this thread, mostly toward simplifying. I haven't actually implemented anything yet, but I'm putting it here for review. Current portfolio = $50,000 (Smaller than it was because I'm no longer considering my HSA investments as part of my retirement por...
by levendis
Mon Jun 25, 2012 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

47.8% 53% TSP (all regular, not Roth) 17.0% 20% G Fund (0.025%) 6.5% 20% C Fund (0.025%) 4.0% 13% S Fund (0.025%) New contribution: $5K (23%) G Fund, $7K (31%) C Fund, $5K (23%) S Fund 41.9% 47% Roth IRA at Vanguard 6.5% 17% Vanguard FTSE All-World ex-US Small-Cap ETF (VSS) (0.28%) 30% Vanguard Tot...
by levendis
Mon Jun 25, 2012 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

It's actually significantly cheaper to own the TSP I fund and EM index in the Roth, compared to Total International. That's an interesting point. I'm going to max out my Roth and TSP no matter what, but the TSP funds all have the same ER, while in the Roth Total Stock Market (VTSAX or VTI) is 0.06%...
by levendis
Sun Jun 24, 2012 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

It is riskless only in nominal terms. When it comes to purchasing power there is still the risk that it will go down due to inflation. Not over the long run, though : unlike nominal bonds, G fund does not lose value in a rising rate (rising inflation) environment. The G fund yields will start avera...
by levendis
Sun Jun 24, 2012 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

The esteemed members of this board can't reach consensus on whether total market or slice & dice/small value/REIT tilts are better, yet some on both sides have very passionate positions on this topic. The difference is likely small, and knowing which is better requires future insight that you w...
by levendis
Sat Jun 23, 2012 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

wander wrote:
levendis wrote:$3100 into HSA ($2400 OGEAX, $700 cash to pay medical expenses)

I guess you meant this $3,100 includes your contribution + extra paid by your employer.

Yes, it's all cash into the account...
by levendis
Sat Jun 23, 2012 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Massachusetts has a specific statute that does not allow a personal income tax deduction for contributions to a traditional IRA regardless of an allowable federal deduction for such contributions. G.L. c. 62, § 2(d)(1)(F). Huh... interesting, I'll have to check on that. But I don't believe I had an...
by levendis
Fri Jun 22, 2012 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

leonidas wrote:Hmmm, with a name like Levendis you or your girl must be Greek!

Sorry, just took it from a Harlan Ellison story I was reading. I do eat a lot of Greek food from a place nearby, though... :D
by levendis
Fri Jun 22, 2012 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Sure they do, because the mathematical argument (obligation, even?) to do so is strong. As a quickie example, if you had a TSP with 1 Mil, and you were me, you would have the equivalent of only 750,000 in a Roth. That's my approximate marginal federal + state tax rate. I'd have to pay 25% in taxes ...
by levendis
Fri Jun 22, 2012 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

jaxxmjd wrote:If this is indeed true, then I'm glad I clicked on this thread. I was going to pick MDIIX due to the load, but I'd much prefer OGEAX if the load is waived within the HSA.

See this thread.
And http://www.myshps.com/hsa/downloads/HSA ... ptions.pdf
by levendis
Fri Jun 22, 2012 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

I know you mentioned that your HSA has limited investment options, but are there any options that have no loads? OGEAX has a 5.25% front load, which will eat into any potential investment gains you think you're getting versus an alternate fund. It doesn't have any loads in the Chase HSA... people h...
by levendis
Fri Jun 22, 2012 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

-reduce international to 30% of equities or hold a small percent of I Fund that is not "finished" (with emerging markets and small cap) -reduce extra small cap value to 5% (but you could overweight small cap easily with your C to S ratio) -reduce REIT to 5% -eliminate REIT because mid and...
by levendis
Fri Jun 22, 2012 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

I'll warn you now too if you haven't already figured this out. With a 17K/year going into TSP, and up to 10K/year only for your Roths (if/when you get married), you're going to eventually have a serious headache on your hands when you try to reestablish your asset allocation. Eventually, your TSP w...
by levendis
Fri Jun 22, 2012 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Yes, you have an incomplete International (I Fund) that requires Emerging Markets and Small Caps. You can get all of this in 1 ADMIRAL Vanguard Fund. IF you want a little more risk, you can overweight Foreign Small Caps with the ETF, and Domestic Small Caps with S Fund. So do you suggest not having...
by levendis
Fri Jun 22, 2012 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286

Re: Fed employee boglehead portfolio check

Okay, thanks. I get that AA isn't very important for a small portfolio, but I expect to be able to max out all my retirement accounts starting next year, so my total portfolio should grow fairly quickly just from contributions. My plan was to work out a formula now that I'm comfortable with that cou...
by levendis
Fri Jun 22, 2012 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3286
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