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Re: Vanguard S&P 500 vs Total Stock

I used to use Total Stock Market back when my 403b offered it. Now, though, neither my 403b nor my 457 plan offers a Total Stock Market fund, so I have to approximate it with S&P 500 + mid cap + small cap. I hold some of these in my IRA accounts as well, and keeping the same fund types everywher...
by skylar
Sun Apr 13, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 2934

Re: Savers remorse ?

What about saver's remorse for your kids? We're in a position to indulge our kids but don't (relatively speaking). They have everything they need, and plenty of activities and toys, but nothing fancy - they don't take horseriding lessons, we don't go to Disneyland every year, they won't be getting ...
by skylar
Sat Mar 22, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11184

Re: Vanguard bond funds and leverage

It really depends on what the prospectus says the fund's strategy is going to be. At least for the Total Bond Market Index Fund, the closest mention it has to leverage is a possibility of derivative investments, although the current portfolio report doesn't show anything of the sort. I can't speak f...
by skylar
Wed Mar 12, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard bond funds and leverage
Replies: 6
Views: 543

Re: your lowest exspense ratio fund in 401

Have a 403b, whose lowest-expense fund is the Vanguard Institutional Index at 0.05%. That doesn't include recordkeeping fees, which are $60/year, which add ~0.05%, although that will go down as my account grows.
by skylar
Sun Mar 09, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1574

Re: 401 match (poll)

My 403b is age dependent. Under 35 is 100% up to 5%, 35-50 is 7.5%, and over 50 is 10%.
by skylar
Thu Mar 06, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1771

Re: SCSI

I still have an external SCSI hard drive laying around here, but I just realized that last year I donated my last machine that had a built-in SCSI interface. If I wanted to use that external hard drive as-is, I would have to get an adapter-card. Probably simpler to actually get a new enclosure for ...
by skylar
Wed Feb 05, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: SCSI
Replies: 16
Views: 1585

Re: SCSI

The Wizard wrote:Super-speed USB 3.0 has pretty well put a nail in SCSI's coffin...


USB 3.0 still supports SCSI for its mass storage interface. ;)
by skylar
Tue Feb 04, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: SCSI
Replies: 16
Views: 1585

Re: Who Invests 100% in Passive Index Funds/ETFs

I use entirely passive investments. It's a combination of Vanguard, DFA, a private-label S&P 500 fund in my 457 plan, and a private-label total bond index fund in my wife's 401k. I do have some I and EE bonds, but I suppose those are about as passive as you can get.
by skylar
Thu Jan 16, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 5391

Re: Are these Vangaurd 457 options decent?

galeno wrote:Is there a 20% of gross annual income limit on how much one can contribute to a 457 plan?


No, it's the same limit as a 401k/403b ($17,5000 this year) but under a separate cap, so you can contribute $17,500 to both a 401k/403b and a 457 simultaneously.
by skylar
Wed Jan 15, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these Vanguard 457 options decent?
Replies: 8
Views: 454

Re: How do you "Stay the Course"?

A couple ways:

  1. I have an IPS.
  2. I stay busy doing other things, so it can be weeks/months before I look at investments.

There's really no need to look at investments more often than you have to rebalance them.
by skylar
Wed Jan 15, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 52
Views: 3216

Re: Vanguard Frequent Trading Policy

Seems to have gone away. I was able to buy shares of several funds that I know used to have a frequent trading restriction (TSM, TISM, SCV) well within the 60 day window since I sold those funds. I did not do anything special. I never saw the squiggly "restricted" symbol so I decided to t...
by skylar
Sun Jan 12, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent Trading Policy
Replies: 17
Views: 1672

Re: Help with WA State 457b

For the bond side I presume nothing in the plan matches total (US nominal investment-grade non-tax-exempt) bond market -- hard to say how close the active fund is though I agree the extra credit risk shouldn't be ignored. It might be worth considering the "savings pool" after investigatin...
by skylar
Tue Jan 07, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with WA State 457b
Replies: 5
Views: 370

Re: Do you invest in a taxable account?

I'm another "no". Max'ing out my 403b, 457b, Roth IRA and HSA; and my wife's 401k and Roth IRA, is enough for us.
by skylar
Sun Jan 05, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7198

Re: How do Vanguard mutual funds/ETFs "rebalance"?

Vanguard's index funds are weighted based on market capitalization. This means that there is no need for them to rebalance as the price of the underlying stocks change, since the changing stock price has already changed the weight. They buy new shares or sell existing shares based on their cash flow...
by skylar
Sun Jan 05, 2014 2:12 am
 
Forum: Investing - Theory, News & General
Topic: How do Vanguard mutual funds/ETFs "rebalance"?
Replies: 3
Views: 404

Re: Help with WA State 457b

I would recommend looking at your entire portfolio as a single unit, rather than each account as completely separate. You might want to post your entire portfolio, using this as a guide: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I'm also a participant in the WA 457b, but I just us...
by skylar
Sun Jan 05, 2014 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with WA State 457b
Replies: 5
Views: 370

Re: Water conservation

Consider other lower-hanging fruit. Toilets seem to be ranked at 26% of household water useage. Get dual-flush toilets that have a short flush for fluids only. They are apparently quite exotic here, but have been standard in Germany for a decade at least. I'd bet that's 5-10% right there, and avoid...
by skylar
Sat Jan 04, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Water conservation
Replies: 44
Views: 3199

Re: How much do you spend on books a year?

Over 6 years, it looks like we've spent $125/year on average. Many of those are gifts, though. We prefer using our public library when we can, or buying from the library book sale.
by skylar
Fri Jan 03, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 1920

Re: Employer Botched Paycheck

The bigger point will be the FSA -- you opted in to a certain amount contributed for the year, and they should only withhold that amount. If they withheld more, that's a mistake and they need to correct that. The HSA is easier -- excess contributions can be removed by calling the HSA administrator,...
by skylar
Tue Dec 31, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Botched Paycheck
Replies: 31
Views: 2239

Re: What is your winter thermostat setting (while you are up

60F for us. That tends to be too warm for me, and too cold for my wife. If we're both unhappy I guess you can call it "compromise".
by skylar
Tue Dec 31, 2013 10:49 am
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8055

Re: Pemco or other insurance company for home, auto, umbrell

We used Pemco for a few years for renters insurance, until the earthquake rider became too expensive. We switched to State Farm, which is about 5x cheaper.
by skylar
Mon Dec 30, 2013 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pemco or other insurance company for home, auto, umbrella
Replies: 4
Views: 282

Re: HSA transfer (Health Equity to Vanguard)

gvsucavie03 wrote:Last question - is a 60/40 AA reasonable or should I follow the "Age in Bonds minus 10" stated in my IPS?


As for us, we use the BND (Vanguard Total Bond Index) ETF, and count it as part of our standard bond allocation.
by skylar
Sun Dec 29, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1693

Re: HSA transfer (Health Equity to Vanguard)

I believe only account closures are assessed $25. Partial transfers are done for free. I did this from Healthequity to HSA Bank and did not get assessed any fees on either side. Caveat emptor, though - The first time went smoothly, but this second time not so much. For some reason Healthequity is th...
by skylar
Fri Dec 27, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1693

Re: I think low cost of living trumps retiring in a no state

VictoriaF wrote:
gkaplan wrote:Next month I'm moving from one high tax state (California) to another high tax state (Oregon).


You will be living in the home of the Powell's bookstore.

Victoria


That would be a guaranteed high-cost-of-living location for us, regardless of any other factors like taxes. :D
by skylar
Thu Dec 26, 2013 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: I think low cost of living trumps retiring in a no state in
Replies: 80
Views: 5275

Re: Help with Health Equity HSA

I'm going to open an HSA with HealthEquity and give it a try. That's the provider my employer uses, so it's the only way I can get the full deductions (reduced SS and Medicare plus reduced income taxes). If it has a decent option like VLACX I will probably stick with it. If not, I'll just roll it i...
by skylar
Wed Dec 25, 2013 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 2466

Re: What percentage of your income are you saving?

crowd79 wrote:38% of income.

For those that save beyond 50% or more, scale back some and enjoy life a little. That's kind of ridiculous. :beer


That's the plan, once my wife has a job that actually has PTO. Until then, I figure we might as well put the money to work...
by skylar
Sat Dec 14, 2013 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11723

Re: What percentage of your income are you saving?

Wife and I are both in our late 20s. We save about 60% of our income, of which about 95% is for retirement. We have a downpayment saved up for a house if we ever wanted to buy a house, but so far we have no desire to stop renting. That also functions as a nice emergency fund if we ever needed it.
by skylar
Fri Dec 13, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11723

Re: Monthly, bi-monthly, or weekly purchases

When I was starting out and didn't have much spare cash, I auto-invested once a month for both myself and my wife (aside from our employer stuff, which happens at whatever schedule they have). Now we have more spare cash and invest once a year in January.
by skylar
Thu Dec 12, 2013 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Monthly, bi-monthly, or weekly purchases
Replies: 5
Views: 520

Re: Christmas gift for boss

At least in government work this is generally frowned upon, and might be illegal depending on where you work. I would not do it.
by skylar
Sun Dec 08, 2013 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Christmas gift for boss
Replies: 34
Views: 2644

Re: Should you reveal your salary to your coworkers?

As a government worker, my salary is public record. You can go to a website and see every raise I got, along with all my coworkers, managers, etc. It never has bothered me nor anyone else I've worked with.
by skylar
Wed Nov 27, 2013 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you reveal your salary to your coworkers?
Replies: 107
Views: 7743

Re: Sci-Fi Short Story Recs

I'll second Alastair Reynolds, especially if you like dark sci-fi. Iain Banks is another great British author (sadly, recently deceased), and isn't quite as dark.

Skylar
by skylar
Tue Oct 29, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3133

Re: How much storage space do you have?

Maybe 50sf between three closets and a storage room in the basement of our apartment. They're not even full either.
by skylar
Sat Oct 26, 2013 1:48 am
 
Forum: Personal Consumer Issues
Topic: How much storage space do you have?
Replies: 18
Views: 2142

Re: How many square feet is your home?

700sf for my wife and me. We don't have a lot of stuff, nor do we have desire for lots of stuff. Living simply lets us live close to work and get by without a car too.
by skylar
Wed Oct 16, 2013 7:48 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10629

Re: Young Guys [and Gals] Making Good Money

This thread is fascinating--it's like seeing what life is like on the other side of the tracks. Anyone else out there scraping by in the nonprofit world? Me - state government employee, got my first raise in four years last week. I'm still underpaid compared to what I could make in industry, althou...
by skylar
Sun Sep 29, 2013 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22549

Re: Automatic Debit Errors

I agree that it is important to verify these things. A few years ago, one of my doctors scanned the copay check and also deposited it in the bank. Thanks to my "eagle eye" wife, we caught this and got credit for the double payment. This happened to me once, although my credit union actual...
by skylar
Sun Sep 29, 2013 11:24 am
 
Forum: Personal Consumer Issues
Topic: Automatic Debit Errors
Replies: 8
Views: 607

Re: Vanguard - Track your transfer

I'm seeing this now too. My wife's account shows two 401k rollovers to a Vanguard IRA that went through just fine, but are listed as "cancelled" now. Fortunately, the rollovers went smoothly and are far enough in the past that I'm not worried.
by skylar
Thu Sep 26, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Track your transfer
Replies: 22
Views: 2165

Re: If you had a few weeks of downtime, what would you do?

Read, catch up on sleep. If my wife had time off too, maybe travel.
by skylar
Wed Sep 25, 2013 8:21 am
 
Forum: Personal Consumer Issues
Topic: If you had a few weeks of downtime, what would you do?
Replies: 39
Views: 1923

Re: Are VFIAX and VTSAX the cheapest mutual funds in the wor

I've got a S&P 500 index fund in my 457 plan that has a 0% ER. Now, to be fair, the account has an admin fee of 0.14% so I'm not really paying 0%, but the ER for the specific fund is 0% and I'm pretty happy either way.

Skylar
by skylar
Mon Sep 16, 2013 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Are VFIAX and VTSAX the cheapest mutual funds in the world?
Replies: 14
Views: 1292

Re: Considering a Bread Machine

I got my wife a Breadman bread machine a few years ago as a birthday present for $50. We use it almost every week, and the bread is delicious. You can also just use it to make dough that you put in the oven if you want.
by skylar
Mon Sep 09, 2013 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Considering a Bread Machine
Replies: 38
Views: 2364

Re: Vacation cost rule of thumb

What's this vacation thing you speak of ? Married 26 years, i think we have had 4 that were 1 week each. :annoyed Yeah, my wife has had one job with paid time off, but the commute was so awful that it wasn't worth it. Since then she's had to take unpaid leave or try to squeeze something in between ...
by skylar
Wed Sep 04, 2013 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Vacation cost rule of thumb
Replies: 30
Views: 4176

Re: How do you "rent" movies?

Public library for most things, sometimes watch Hulu or stuff online but the commercials are aggravating. Personally I don't have the patience for most movies so I prefer just reading.

Skylar
by skylar
Wed Aug 28, 2013 12:30 am
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5562

Re: POLL: Your Salary vs Inflation

I've been in my current job seven years now. For five of those seven years we've had a wage freeze, so I've barely broken even despite hard work and lots of growth. This year, fingers crossed, that might change.

Skylar
by skylar
Sun Aug 11, 2013 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Your Salary vs Inflation
Replies: 24
Views: 2231

Re: Photos of my bike tour from Missoula, MT to Japser, AB

Thanks for sharing. It looks like an amazing experience!
by skylar
Sun Aug 04, 2013 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Photos of my bike tour from Missoula, MT to Japser, AB
Replies: 46
Views: 2965

Re: Help with Health Equity HSA

I finally got around to emailing HealthEquity complaining about the investment choices and this was the reply I got: Thank you for your email and expressing your concern. HealthEquity recently needed to make the difficult business decision to no longer offer any index funds. This was especially chal...
by skylar
Mon Jul 29, 2013 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 2466

Re: Pay keeping up with inflation for your job?

Over 7 years, my pay is only about 20% higher than when I started, despite having much more experience and maturity (one of my main responsibilities has grown in size 100x over those seven years, with corresponding increases in complexity). We've been under a wage freeze for going on five years now,...
by skylar
Sat Jul 20, 2013 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay keeping up with inflation for your job?
Replies: 52
Views: 4523

Re: Wrist Watches

I've been using Timex Expedition wrist watches for years. They have multiple alarms, and the alarms can be set to sound daily, just on weekends, or just on weekdays. This means I never have to think to set an alarm clock - I just have my work alarm set all the time. They cost <$30 and last for a ver...
by skylar
Sat Jul 13, 2013 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5763

Re: Email more efficient than phone calls?

My phone at work has a "send-to-voicemail" feature that will immediately dump an incoming call to voicemail, without ringing the phone at all. I use this often, and will check my voicemail maybe once a week. It keeps me much more productive. If something is really important, I check my ema...
by skylar
Thu Jul 11, 2013 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Email more efficient than phone calls?
Replies: 42
Views: 2088

Re: [EveryDay Carry] EDC pocket knife?

I do see the attraction of owning a nice tool, even if the need for it is mostly imaginary. It's like the watch threads: no-one needs a watch nowadays, but it doesn't stop people want to own a nice one, even if they won't admit to themselves it's function is as jewellery. I'm just amazed at how com...
by skylar
Sun Jun 23, 2013 9:59 am
 
Forum: Personal Consumer Issues
Topic: [EveryDay Carry] EDC pocket knife?
Replies: 69
Views: 4124

Re: Why do funds and ETFs in US not capitalize dividends?

The S&P 500 fund in my 457b plan does this. It took me a while to figure out what was happening to the dividends - the NAV would stay the same when my regular S&P 500 fund would just distribute a dividend and drop its NAV. The catch is that it's a collective trust and offered directly to the...
by skylar
Thu Jun 20, 2013 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why do funds and ETFs in US not capitalize dividends?
Replies: 15
Views: 1315

Re: What age did you reach 100K networth?

Looks like I crossed it around the beginning of 2008, so 23.
by skylar
Sat Jun 15, 2013 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31232

Re: Poll: How much cash do you carry?

I carry ~$40, mainly for farmers' markets. Everything else ends up on plastic.
by skylar
Sat Jun 15, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 5430
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