Search found 43 matches

Return to advanced search

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: 529

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: 268

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: 743

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: 5821

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: 820

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: 1925

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: 6602

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: 312

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: 295

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: 1336

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: 323

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: 323

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: 2110

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: 2399

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

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: 3245

Re: Fed employee boglehead portfolio check

I know what you did... - Do you understand what I posted? - New money is $17K TSP (Bonds, US Large/Mid-Small) and $5K Roth IRA (International). - International (of Stocks) is $5K / $12K = 42% - Did you read the link to Pub 969? I did read the Pub 969 link, but that penalty is only for non-medical e...
by levendis
Fri Jun 22, 2012 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3245

Re: Fed employee boglehead portfolio check

Take advantage of terrific TSP options and complete in Roth IRA. Personally, I would exclude HSA from retirement assets since this is money for healthcare expenses. (note: I understand this money can be used other purposes at a cost) Thanks, YDNAL. As I understand it, HSA money becomes a regular 40...
by levendis
Fri Jun 22, 2012 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3245

Fed employee boglehead portfolio check

Hey bogleheads! Long-time lurker - my portfolio (along with other financial choices) is almost entirely based on advice I found here and in your book. I keep tweaking it and figured it’s finally time to get a second opinion. 32 years old, work for the US Government (probably will for the rest of my ...
by levendis
Fri Jun 22, 2012 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed employee boglehead portfolio check
Replies: 71
Views: 3245

Re: Getting paid for selling a car?

All very helpful suggestions, thanks. I think I'll open an account with a local bank to simplify things (just have an online account now).
by levendis
Fri Mar 16, 2012 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting paid for selling a car?
Replies: 14
Views: 1030

Re: Getting paid for selling a car?

It's too easy to fake cashiers checks and certified checks. Unless you absolutely know the person and where they live, cash is the way to go. I'm planning on selling a fairly new car with a blue book of about $10,000. That's a lot of cash to expect someone from Craigslist to show up with and not ex...
by levendis
Thu Mar 15, 2012 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting paid for selling a car?
Replies: 14
Views: 1030

Re: Poll: Cost of cheapest option in your 401K/403B/457/etc.

Thrift Savings Plan - everything is .025%.
by levendis
Fri Feb 10, 2012 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cost of cheapest option in your 401K/403B/457/etc.?
Replies: 27
Views: 1429

Re: Draft Roth TSP Guidelines

- Employees will be able to withdraw contributions tax-free from their Roth accounts after five years have passed since Jan. 1 of the year in which a participant made his first Roth contribution Retirees will be able to. I believe that, like a Roth 401k and unlike a Roth IRA, we cannot withdraw con...
by levendis
Fri Feb 10, 2012 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Draft Roth TSP Guidelines
Replies: 32
Views: 2095

Return to advanced search