Search found 345 matches

by WanderingDoc
Fri Dec 15, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 69
Views: 5494

Re: Call the top! - Bitcoin

75,000 sometime in 2018. I'll add more depth to this prediction. BTC is about to go parabolic as we have reached speculation mania which is outstripping the true adoption rate..this has lead to price outstripping underlying network utility value. Because of this parabola, we will hit 24K before Jan...
by WanderingDoc
Thu Dec 14, 2017 12:08 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 69
Views: 5494

Re: Call the top! - Bitcoin

Peak: 29,500

Date: Harder to guess, best guess 10/8/2018.
by WanderingDoc
Tue Dec 12, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2387

Re: Does any indicator not predict a 2000/2007'ish crash?

WhiteMaxima wrote:
Tue Dec 12, 2017 4:57 pm
Bitcoin frenzy is not wide spread like 2007 housing.
You sure about that?

#1 downloaded app on the appstore is 'Coinbase'. #1 searched for query on Google is 'Bitcoin'. Pretty widespread if you ask me.
by WanderingDoc
Tue Dec 12, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 118
Views: 11749

Re: What to do after losing $117k in stock market?

Yes, I feel like the biggest idiot especially in this bull market. I only started investing 3 years ago and got involved in high risk stocks (oil and biotech). Made some really bad picks and took a massive lost. I try to ignore thinking about how much I've lost because I feel ashamed and embarrasse...
by WanderingDoc
Tue Dec 12, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Saw a funny meme today comparing Bitcoins and Chuck E. Cheese tokens Physical? Bitcoin - No Chuck E. Cheese tokens - Yes Can buy pizza and play arcade games? Bitcoin - No Chuck E. Cheese tokens - Yes Can buy black tar heroin? Bitcoin - Yes Chuck E. Cheese tokens - No Thats awesome. I'm borrowing th...
by WanderingDoc
Tue Dec 12, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: So bought Litecoin@ $150...
Replies: 14
Views: 2620

Re: So bought Litecoin@ $150...

My real estate holdings I expect to double every 10 years What market is this? Bay Area, LA, and Honolulu SFHs and condos. Those markets have had 9%+ year over year appreciation since 1960. If you do the math, that comes out to roughly doubling every 10 years or slightly less. Also, 6%+ rent growth...
by WanderingDoc
Mon Dec 11, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: So bought Litecoin@ $150...
Replies: 14
Views: 2620

Re: So bought Litecoin@ $150...

What the heck. So put in 1K for fun.. I don't know what is going to happen but it hit 270 today and seems to be goin crazy.. Well the most I will lose is 1k. What gives ??? Congrats! I bought LTC at $98, not very much though. Crypto is a big distraction from investing in real, income-producing asse...
by WanderingDoc
Mon Dec 11, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin IRA
Replies: 28
Views: 2457

Re: Bitcoin IRA

Makes me wonder.. If Bitcoin goes to $20K by end of 2017, 40K by 2018, and $100K by 2020, will people on this board keep saying "too late to the game" "end of the Bitcoin bubble" then? :D I will feel no remorse if I "miss out" on bitcoin prices continuing to skyrocket. Unless all these people holdi...
by WanderingDoc
Mon Dec 11, 2017 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin IRA
Replies: 28
Views: 2457

Re: Bitcoin IRA

Makes me wonder.. If Bitcoin goes to $20K by end of 2017, 40K by 2018, and $100K by 2020, will people on this board keep saying "too late to the game" "end of the Bitcoin bubble" then? :D
by WanderingDoc
Mon Dec 11, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10556

Re: Just not getting it

There are plenty of people out there that are smarter than you or I and have more information about individual stocks than we do. They do this full time and don't have a 9-5 job. They are called fund managers. Not one of them has been able to out perform the TSM over the long term. Past performance...
by WanderingDoc
Mon Dec 11, 2017 1:35 am
Forum: Investing - Theory, News & General
Topic: Would a Bitcoin Crash affect the general markets?
Replies: 25
Views: 1902

Re: Would a Bitcoin Crash affect the general markets?

I cashed out all my initial capital yesterday as Bitcoin was falling precipitously. Now just have house money in a small amount of crypto. Bitcoin is now back to almost $17K!! I guess I shouldn't have panic sold. The reason I sold was because I realized that I bought Bitcoin not because I believed i...
by WanderingDoc
Sat Dec 09, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6667

Re: Bitcoin now the largest quantifiable bubble in history?

I have cash out all of my initial capital in Bitcoin. Price per BTC reached ~$18,500 two days ago, and today it is precipitously dropping and is now under $14,000. I wouldn't be surprised if it is under $10,000 by weekends end. I just cashed out around ~$15,000 per BTC and now hold a little Bitcoin,...
by WanderingDoc
Sat Dec 09, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Roth TSP for active duty military
Replies: 9
Views: 654

Re: Question about Roth TSP for active duty military

I believe that military service members pay into Social Security, correct me if I'm wrong. If you do, you may want to wait until age 70 when you would get the maximum SS amount so you could use your TSP money up until then. My understanding is that you will get 100% of your SS benefits at full reti...
by WanderingDoc
Fri Dec 08, 2017 1:26 am
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6667

Re: Bitcoin now the largest quantifiable bubble in history?

That something appreciates quickly does not classify it as 'a bubble'. Bitcoin is a bubble if its rational value is much less than its market value. So, is it? In another one of the many bitcoin threads on bogleheads right now, someone said his teenage kid was asking if he could buy bitcoin. I susp...
by WanderingDoc
Wed Dec 06, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 186
Views: 17448

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Had I invested the $18k I put in my 401k in 2012 in bitcoin instead I'd have ~$15,000,000 today. Needless to say, my index investing hasn't produced those returns either. The index funds may well have obliterated the bitcoin return in risk-adjusted terms. An investment is a claim on future cash flo...
by WanderingDoc
Wed Dec 06, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8370

Re: Want to sell my Bitcoin, but when?

“Should I sell this gimmick and guarantee a ridiculous return on investment or should I be greedy and risk losing once the inevitable bubble bursts?” Tough decision lol...yeah, when you put it like that.. I think I'll give it a few days and see what the CBOE futures do to the price. I may move some...
by WanderingDoc
Tue Dec 05, 2017 3:06 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

So then, if you are investing in Bitcoin, you are not really betting on Bitcoin Blockchain, because the Core Developers have already decided that the bitcoin blockchain can't scale beyond the 5 or 10 transactions per second. You are betting on the Lightning Network LN, which has been in development...
by WanderingDoc
Mon Dec 04, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

... In my head huh? How much reading have you done on cryptocurrency? Put in 100 hours then speculate on the value or lack thereof of Bitcoin. Ah. The Courtier's Reply. PJW Almost ANY claim or reply can be made into a logical fallacy if you try enough, since there are so many of them. Not impressed...
by WanderingDoc
Mon Dec 04, 2017 2:26 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

If we are just talking pure math, you'd be mad to not put 1% of your investible assets in Bitcoin. If there was a 95% chance of Bitcoin going to zero, and a 5% chance 1 Bitcoin goes to $500K, you'd be a food indeed. So if we're talking pure math, where did you get the 5% chance 1 Bitcoin goes to $5...
by WanderingDoc
Mon Dec 04, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

If we are just talking pure math, you'd be mad to not put 1% of your investible assets in Bitcoin. If there was a 95% chance of Bitcoin going to zero, and a 5% chance 1 Bitcoin goes to $500K, you'd be a food indeed. So if we're talking pure math, where did you get the 5% chance 1 Bitcoin goes to $5...
by WanderingDoc
Mon Dec 04, 2017 12:48 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

When someone sells or redeems their bitcoins for $ or euros or whatever does the money come from proceeds of other people buying bitcoins? It has to, be definition. Back when 1 Bitcoin was $100, there was much much less money pumped into the system. Now that 1 Bitcoin is ~$11,000, in order for that...
by WanderingDoc
Sun Dec 03, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing
Replies: 25
Views: 2164

Re: The Pros and Cons of Target-Date Funds vs 3 Fund: LifeCycle Investing

A key portion of the article deals with the importance of the funded ratio when investing for retirement. From the article - [...] The idea of calculating an individual’s funded ratio is to treat personal retirement planning in the same manner as a corporate pension fund. On a lifetime basis, are t...
by WanderingDoc
Sun Dec 03, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8802

Re: Amount You Need To Save Annually Over Lifespan

Alexa, 1). Invest in Vanguard TSM fund $3,000. 2). Invest $850.00 per month. 3). At 7% rate of return. 4). For 40 years (age 25 - age 65). 5). You should have approx. $2Million. Here is the calculator that you need (play around with your numbers). Have Fun... https://www.investor.gov/additional-res...
by WanderingDoc
Sun Dec 03, 2017 2:22 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8802

Re: Amount You Need To Save Annually Over Lifespan

Alexa, 1). Invest in Vanguard TSM fund $3,000. 2). Invest $850.00 per month. 3). At 7% rate of return. 4). For 40 years (age 25 - age 65). 5). You should have approx. $2Million. Here is the calculator that you need (play around with your numbers). Have Fun... https://www.investor.gov/additional-res...
by WanderingDoc
Sun Dec 03, 2017 2:12 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8802

Re: Amount You Need To Save Annually Over Lifespan

Assuming you want $2M @ age 65: If you start saving for retirement at age 25 with zero debt, how much do you need to save on average using IRA/401k and Target Date Funds? Just a rough estimate. Assuming some people may save/make more as they get closer to retirement and buy a house when they are yo...
by WanderingDoc
Sat Dec 02, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25895

Re: Currently have $700,000 at 26 years old get $100,000 a year

With COLA, you are in good shape. But do figure out what you really want to do in your life. Assuming the 3.3M is invested well, it will be worth quite a lot in 30 years. As long as you invest 25-30% of your allowance immediately on getting it, you will be fine. But you will still need to have a bu...
by WanderingDoc
Fri Dec 01, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19434

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Is there any real value behind bitcoin other than the belief that someone in the future will pay more for a coin? Will scalability challenges eventually reach a tipping point and trigger a doomsday scenario crash leaving bitcoin owners with nothing in the end? Personally I am very surprised by all ...
by WanderingDoc
Fri Dec 01, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

Kyle, If someone spends $30K on an asset, and it returns $30K in a year, that is a 100% annualized return. If it returns $15K, its a 50% return. I don't know why this elementary math even needs to be stated. A less than 30% ROI on leveraged real estate is disappointing. I only have one property tha...
by WanderingDoc
Fri Dec 01, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

Kyle, If someone spends $30K on an asset, and it returns $30K in a year, that is a 100% annualized return. If it returns $15K, its a 50% return. I don't know why this elementary math even needs to be stated. A less than 30% ROI on leveraged real estate is disappointing. I only have one property that...
by WanderingDoc
Fri Dec 01, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

We are talking return on investment (ROI), NOT return on equity. No, everybody but you is talking about the rate at which one's investments compound. Fine, don't count the $108K if you don't want to. Still, the property returns $28K per year from the other profit centers on a $35K investment. Thats...
by WanderingDoc
Fri Dec 01, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

All, 20% ROI is not sustainable or practical to obtain for any length of time. If 20% ROI was available to everybody through real estate investing, nobody would invest in the stock market which returns 8% ROI historically. Some of you may have been lucky. Some may have added to your initial investm...
by WanderingDoc
Thu Nov 30, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

All, 20% ROI is not sustainable or practical to obtain for any length of time. If 20% ROI was available to everybody through real estate investing, nobody would invest in the stock market which returns 8% ROI historically. Some of you may have been lucky. Some may have added to your initial investm...
by WanderingDoc
Thu Nov 30, 2017 2:00 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

My real estate investments pay a >20% annualized return on the low end. On the high end, I have pulled refi'd all my "all in" on a deal, yielding a return of infinity. Its just math. Try doing that with an index fund. An infinite return is mathematically impossible. If you have no money in the deal...
by WanderingDoc
Thu Nov 30, 2017 1:13 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

My real estate investments pay a >20% annualized return on the low end. On the high end, I have pulled refi'd all my "all in" on a deal, yielding a return of infinity. Its just math. Try doing that with an index fund. An infinite return is mathematically impossible. If you have no money in the deal...
by WanderingDoc
Wed Nov 29, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

My logic is as follows: - Suppose Bob is your typical real estate investor - purchases one or two additional properties and rents them out - Suppose there are 1000 of other people in the country, doing the same thing as Bob - It seems REIT funds are essentially pooling the 1000 investors money, mak...
by WanderingDoc
Wed Nov 29, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25895

Re: Currently have $700,000 at 26 years old get $100,000 a year

Does the $100K last forever? Is that where you're getting the $3M from? ($100K x 30 years) Honestly, I'd give up the partying college girls. You're 27. Find a woman of substance. Make sure you get a prenup. Going back to school and getting a job is a great idea. You can afford it on your "income". ...
by WanderingDoc
Wed Nov 29, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7368

Re: Is there any reason to invest in real estate?

There are plenty of reasons. INCOME, and not having to work for 30-40 years are just two. I have just started my career post training, but my monthly net real estate income already cover my basic expenses. I pay little to no tax on rentals legally. Tenants and the bank do all of this for you. If I j...
by WanderingDoc
Tue Nov 28, 2017 3:04 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290487

Re: What are you up YTD? [Year To Date]

TSP says 19.63% YTD or last 12 mo., which is surprising since its about 15% bonds.

Vanguard I have no idea. Does anyone know how to check? I couldn't find this info.
by WanderingDoc
Tue Nov 28, 2017 2:37 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9417

Re: What did you do right?

1. Had the military pay for medical school.
2. Bought a lot of real estate.
3. Traveled extensively and never had a budget.

All other decisions are questionable :P
by WanderingDoc
Mon Nov 27, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8615

Re: Can I afford a $1,400,000 house

Ready3Retire wrote:
Mon Nov 27, 2017 8:45 pm
Assets: $95K + $75K = $170K
Liabilities: $315K + $175K+ $25K = $515K

You are under water. Get your head above water, then think about a more expensive house.
Can always count on the folks at BG to give rational yet very conservative advice. Like a stern uncle. I love it! :P
by WanderingDoc
Mon Nov 27, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 82
Views: 8094

Re: Physician & Real Estate investor seeks advice

Its so hard to plan or envision something more than 2-3 years in the future. I don't know how anyone does it. :annoyed So much can change in a short time. Here/hear now: was told it takes 3+ years to grow a tea plant. Hope you develop patience and 'revenue expectation/realization cycles" beyond 2-3...
by WanderingDoc
Mon Nov 27, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 82
Views: 8094

Re: Physician & Real Estate investor seeks advice

Its so hard to plan or envision something more than 2-3 years in the future. I don't know how anyone does it. :annoyed So much can change in a short time. Here/hear now: was told it takes 3+ years to grow a tea plant. Hope you develop patience and 'revenue expectation/realization cycles" beyond 2-3...
by WanderingDoc
Mon Nov 27, 2017 4:04 am
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 82
Views: 8094

Re: Physician & Real Estate investor seeks advice

As a general rule, someone in the military planning to earn significant money after getting out is better off with Roth while in the military. I mean, look how much of your pay isn't taxable right now? I think I paid 4% effective tax rate one year in the military. Last year it was 32%. Thats nuts, ...
by WanderingDoc
Sun Nov 26, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10723

Re: Didn't buy Bitcoin at $4600

Even if you happen to win the lottery, it doesn't mean you're not an idiot for having played. Not a very good analogy. In the lottery, only one out of millions can win. In Bitcoin, many many folks can win, perhaps 1/3 to 1/2 of those who have played, just by buying and then selling 1-3 years later.
by WanderingDoc
Sun Nov 26, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Future Growth Projection
Replies: 15
Views: 1810

Re: Jack Bogle's Future Growth Projection

Thanks for the replies. It seems then that he was using nominal, so 4% would be 2% real, or 6% would be 4% real, and so forth. I know it will be whatever it might be, but I have followed his advice and widsom for all my years up to now, and I can't think of not following now. Thanks again. Oh, I ha...
by WanderingDoc
Sun Nov 26, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10723

Re: Didn't buy Bitcoin at $4600

I was sitting in a cafe a couple of months ago, I didn't buy Bitcoin when it was $4600 per Bitcoin. I even had my bank info authenticated the few days prior. I think my PC battery died and I went to the gym instead. I don't really need the money, but I'd be lying if I said I don't feel a twinge of ...
by WanderingDoc
Sun Nov 26, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10723

Re: Didn't buy Bitcoin at $4600

I was sitting in a cafe a couple of months ago, I didn't buy Bitcoin when it was $4600 per Bitcoin. I even had my bank info authenticated the few days prior. I think my PC battery died and I went to the gym instead. I don't really need the money, but I'd be lying if I said I don't feel a twinge of ...
by WanderingDoc
Sun Nov 26, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 82
Views: 8094

Re: Physician & Real Estate investor seeks advice

Hope everyone is enjoying their weekend! Glad to be here. I am a HCP, military, early 30s, filing single, no state income tax, and have been someone confused and bewildered if I should be/how investing in equities and retirement accounts. I hope to get some feedback and suggestions. Pertinent stats...
by WanderingDoc
Sun Nov 26, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10723

Re: Didn't buy Bitcoin at $4600

WanderingDoc, I think perhaps some of us are confused because your profession, physician, and your other path to wealth, rental real estate iirc, are both grounded in practicality and need. Bitcoin, however that adventure turns out, doesn’t seem to fit. I’ll say something that the anti-Tesla people...
by WanderingDoc
Sun Nov 26, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 82
Views: 8094

Re: Physician & Real Estate investor seeks advice

Ladies and gents, didn't know if it was appropriate to re-engage here or start a new thread. In the interim, I have moved (in process) my small 4-figure traditional IRA balance from Vanguard to the TSP, and kept the Vanguard tIRA account open with $0.00. I ran some numbers. in 2017, my taxable inco...