Search found 416 matches

by nps
Wed Jul 19, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Maintaining Boglehead Outlier Edge Despite Affects of Group Trends
Replies: 7
Views: 876

Re: Maintaining Boglehead Outlier Edge Despite Affects of Group Trends

Many people have a 401k now and a retirement fund now. This didn't use to be the case. If all of us have a lot of money when we retire, won't that make everything EXPENSIVE in retirement? In other words, it may not matter that I have a lot of money in retirement if everyone else has a lot of money ...
by nps
Sun Jul 16, 2017 7:34 am
Forum: Investing - Theory, News & General
Topic: Taxes Due When Converting International to US Stock Fund?
Replies: 13
Views: 869

Re: Taxes Due When Converting International to US Stock Fund?

Hello! Thank you all for your comments. This is a taxable account. I have not identified the tax situation for converting to a US stock fund. I've had the Vanguard funds for years, so. since taxes will be owed, I'll evaluate the tax consequences carefully before performing any fund transfers. Thank...
by nps
Fri Jul 14, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: VTTSX (TR 2060) vs VLXVX (TR 2065)
Replies: 5
Views: 360

Re: VTTSX (TR 2060) vs VLXVX (TR 2065)

Take a look at the glidepaths for these funds on the Vanguard website and note how many years it will take until they cease to invest exactly the same way in exactly the same underlying funds.
by nps
Thu Jul 13, 2017 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything wrong with buying VTTSX in a brokerage account?
Replies: 35
Views: 1749

Re: Is there anything wrong with buying VTTSX in a brokerage account?

Sure, and I agree it would be a beneficial learning tool if that's what you're looking for. If you're looking for simplicity though, investing taxable in VTTSX only is much simpler for the same effect. Whenever you have extra money to invest you can buy more shares in one fund for the full amount yo...
by nps
Wed Jul 12, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anything wrong with buying VTTSX in a brokerage account?
Replies: 35
Views: 1749

Re: Is there anything wrong with buying VTTSX in a brokerage account?

The issue with that approach is that you may end up with more money in bonds than you want or an asset allocation you don't want. Many young investors have small allocations to bonds; Vanguard's long term TR funds are at 10 percent. Say you're similar and want to be at 10 percent bonds, and also wan...
by nps
Wed Jul 12, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything wrong with buying VTTSX in a brokerage account?
Replies: 35
Views: 1749

Re: What to do after maxing out Roth IRA?

I'm interested in selling my Target Retirement fund after I consistently max out and replacing it with a 3 fund portfolio. Will I be losing a lot of money by selling it (VTTSX)? Because of Capital gains taxes? I want to put the bonds in the IRA (total bond mutual fund) and then the total stock and ...
by nps
Wed Jul 12, 2017 5:50 am
Forum: Investing - Help with Personal Investments
Topic: HSA and Muni fund?
Replies: 1
Views: 153

Re: HSA and Muni fund?

Sure, or treasury funds
by nps
Tue Jul 11, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2167

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

At this point, for me, the only remaining consideration for Admiral Shares vs Vanguard ETFs is whether one can do tax loss harvesting with their portfolio. My understanding is that I could potentially tax loss harvest with a portfolio of ETFs but not with an MF. Not true. You can TLH a MF. You may ...
by nps
Tue Jul 11, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2167

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

Since I only plan to buy and hold, I wouldn't worry about the $19.99 fee that comes with selling a commission-free ETF within 30 days of purchase. Assuming one makes periodic ETF purchases at least monthly, this implies it'll never be more than 30 days since the last buy and there's no way out of p...
by nps
Tue Jul 11, 2017 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Priorities
Replies: 17
Views: 1202

Re: Priorities

You can use ETFs or mutual funds (or both) under Roth or regular taxable accounts, so your choice of funds is not limited by the type of account.

You probably should do the Roth for as much as you want to invest. Contributions can always be withdrawn without penalty.
by nps
Tue Jul 11, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Federal Money Market Fund" has $3000 minimum?
Replies: 2
Views: 534

Re: Vanguard "Federal Money Market Fund" has $3000 minimum?

Right, no minimum balance for the settlement fund. The page you linked shows the minimum balance for opening it as a mutual fund.
by nps
Thu Jun 15, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: ETF spreads
Replies: 7
Views: 566

Re: ETF spreads

Are you looking at after-hours spreads?
by nps
Thu Jun 15, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Figuring out an HSA Investment
Replies: 7
Views: 697

Re: Figuring out an HSA Investment

I would recommend dumping Devenir and moving to TDA, which looks like an option based on your original post, for more choices with lower expenses.
by nps
Thu May 18, 2017 6:00 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3018

Re: 3 Fund Portfolio with TSP help

For approximating Total International, how do i allocate between VWO (emerging markets) and VSS (international small). Am I just splitting the 5500 between VMO and VSS? The only part of your international portfolio that could not be directly invested in Total International is the $1620 in I Fund. I...
by nps
Sun May 14, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Fee to close credit card?
Replies: 15
Views: 1626

Re: Fee to close credit card?

DaftInvestor wrote:Did the article mention a particular bank?


No, it was pretty cryptic: "Closure fees: Some cards will charge you to close your card. Fees can vary by card."

Here's the full article link (paywall): https://www.wsj.com/articles/how-to-han ... 1494601273
by nps
Sat May 13, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Fee to close credit card?
Replies: 15
Views: 1626

Fee to close credit card?

Has anyone heard of this? An article in today's WSJ warns about it. I rarely close cards but have never experienced this, nor recall seeing it in any disclosures with new cards.
by nps
Fri May 12, 2017 4:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Admiral Shares
Replies: 5
Views: 1626

Re: Vanguard Admiral Shares

No, you need to hit the minimum per fund per account. They don't combine across accounts for the purposes of qualifying.
by nps
Wed May 10, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3018

Re: 3 Fund Portfolio with TSP help

Can anyone help me with my allocation or provide me with a ball park on percentages ? One approach is to look at your asset allocation across your entire retirement portfolio. So for example from your initial post if you wanted a stock/bond allocation of 90/10 and an international allocation of 33 ...
by nps
Sun May 07, 2017 6:47 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3018

Re: 3 Fund Portfolio with TSP help

Agree with the 4:1 ratio for C:S to approximate TSM. For approximating Total International, think you are on the right track with VWO (emerging markets) and VSS (international small) or their mutual fund equivalents. Something like 65 - 70 percent TSP I fund with the remaining in a 2:1 ratio of VWO ...
by nps
Sat Apr 29, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 2273

Re: Can we afford this home?

I still think you can afford it. You don't seem to be violating any of the rules of thumb for debt load even with the higher mortgage. Everyone's different but I would probably pay the non-mortgage debts off first. It would give you some more budget certainty when looking for a new place. I would al...
by nps
Fri Apr 28, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: 2nd Guessing Target Fund
Replies: 29
Views: 1631

Re: 2nd Guessing Target Fund

so nps, you see it would take $500,000 to pay $2000 a year in fees (as going up already stated). Sure, using the ER provided later by the OP. Using the originally stated ER it would be ~ $5M, on par with the lowest cost funds. Good lesson in the difference in fees and importance of calculating ER c...
by nps
Fri Apr 28, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: 2nd Guessing Target Fund
Replies: 29
Views: 1631

Re: 2nd Guessing Target Fund

The expense ration: .41 per $1000, just today it hit me that we are paying almost $200 a month/over $2,000 a year to use a target fund. We are not talking about a lot of money yet, but eventually it will add up. You would need nearly $5M to be paying $2000/yr for an ER of .41 per $1000. I think tha...
by nps
Fri Apr 28, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 2273

Re: Can we afford this home?

Your $25k emergency fund covers six months of expenses ($50k annually) and your net take home is $8500/mo or greater ($102k annually). That implies at least $52k in annual savings. Based on that you can certainly afford it.
by nps
Wed Apr 26, 2017 5:40 am
Forum: Investing - Help with Personal Investments
Topic: I'm jumping into taxable brokerage account not knowing what I'm doing, advise please!
Replies: 7
Views: 830

Re: I'm jumping into taxable brokerage account not knowing what I'm doing, advise please!

It depends on your expected timeframe for keeping the money invested. If it's similar to your retirement accounts, why not just invest it according to that allocation? If it's for something more short term, like a down payment or a new car, you probably want to take a lot less risk and may just be b...
by nps
Tue Apr 25, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HSA vs PPO decision
Replies: 11
Views: 1146

Re: Pregnant - HSA vs PPO decision

Your numbers suggest that the HDHP/HSA is cheaper. However, not clear how you have a maximum out of pocket that exceeds the deductible since your coinsurance after the deductible is zero.
by nps
Tue Apr 25, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Unique HSA/HDHP Situation
Replies: 12
Views: 1202

Re: Unique HSA/HDHP Situation

I don't think the drug manufacturer paid anything to your insurance company. Sounds like the insurance company is just not seeing the discounted bill and believes that you are paying the full co-pay amount. It's a billing error in your favor.
by nps
Mon Apr 24, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: HSA + Healthcare FSA
Replies: 3
Views: 523

Re: HSA + Healthcare FSA

If you are describing having a regular pre-tax healthcare FSA (not limited or dependent care) in place as well as a HSA both covering you at the same time through the same employer, you would not be eligible to contribute to the HSA. If your situation is different please post the details.
by nps
Mon Apr 24, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: DRIP question [TDAmeritrade trading fee]
Replies: 11
Views: 1052

Re: DRIP question [TDAmeritrade trading fee]

Also, if you ever begin to buy their commission free ETF's (VTI, BND, etc) you need to hold for 30 days or they will claw back commission(s). It's worse than a claw back. It's a higher fee that applies to selling commission-free ETFs ($19.99) whereas their online commission when not enrolled is onl...
by nps
Wed Apr 12, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2464

Re: Week in San Diego - What to do?

For that age, I would recommend the New Children's Museum downtown near the Marriott on the harbor, and second the recommendation for the tide pools out at Cabrillo.
by nps
Thu Apr 06, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3481

Re: STEM & "coding" toys for little ones ?

This might not count as a toy you give since it's a free app for tablets, and age 4 may possibly be slightly young, but it is most definitely a coding primer for little kids: https://www.scratchjr.org/ I see all of the recommendations on non-screen based learning above and that's fine, but most kids...
by nps
Wed Apr 05, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: HSA Question
Replies: 8
Views: 850

Re: HSA Question

There is no such thing as a family HSA. Every HSA is owned by one individual. Almost everything you would want to know about HSAs is contained in the IRS publication 969. Worth reading the entire pub section on HSAs. I agree..but Saturna is not helping. This is the heading on my account page: Viewi...
by nps
Mon Apr 03, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Van. Int. Index percentage in Roth IRA vs. TSP I fund
Replies: 4
Views: 458

Re: Van. Int. Index percentage in Roth IRA vs. TSP I fund

I studied this a couple of months ago: https://www.bogleheads.org/forum/viewtopic.php?t=208490 Bottom line, I found that the Total International Stock Index fund was reasonably estimated by 65 percent TSP I Fund, 20 percent Vanguard Emerging Markets Stock Index fund (VEMAX), 10 percent Vanguard FTSE...
by nps
Mon Apr 03, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing saving, investing, and living?
Replies: 23
Views: 2610

Re: Balancing saving, investing, and living?

I would say your options for the extra money are binary: either you spend it or you don't. If you don't spend it, I would call that saving. I think your question on save vs invest is getting at the type of saving. Perhaps you are deciding between saving in short term investments (Ally savings) or sa...
by nps
Wed Mar 29, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Roth TSP vs. TSP Contributions
Replies: 30
Views: 2920

Re: Roth TSP vs. TSP Contributions

DCChak wrote:Thinking it through a bit, in addition to the general Roth vs traditional withdrawal flexibility benefits, and the inheritability benefit


How are these attributes any different between a Traditional TSP and one that also has a Roth TSP component?
by nps
Wed Mar 29, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 3814

Re: Geico insurance rate increase: 26.24% APY?

knpstr wrote:Well, I have some potentially good news.

If your next 6 months stays about the same level as this increase (12% over last years rate), your APY for they year will go down to 12%!!

:beer


Even better, using OP's math (compare current 6 mo premium to last then annualize) the APY would go to zero.
by nps
Tue Mar 28, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 5636

Re: John Bogle interview: is "deep risk" growing?

garlandwhizzer wrote:Still, as Jefferson said in response to someone railing about the new colonial government in the US, "Democracy is the worst from of government...next to all the others."


Did you mean Churchill?
by nps
Fri Mar 24, 2017 4:46 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 146
Views: 20433

Re: Best HSA (2017)

@atxeng I will make a suggestion that might seem un-Boglehead-ish, but applies in your case. I really think it would be better for you to hire a financial planner to help you find a suitable HSA. Your DIY efforts just don't seem to be working. what is incorrect about the data i've pulled from the s...
by nps
Wed Mar 22, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 3682

Re: Mortgage APR 4.96% - too high?

JuztVZ wrote:We want to check with the preferred lender but are unsure about having another hard pull in our credit reports.


Don't sweat it. Multiple pulls count as one for mortgage loans if they occur within a short period of time, believe it is on the order of weeks.
by nps
Sun Mar 19, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: USAA and Haven Life (Mass Mutual) Life Insurance Quotes
Replies: 12
Views: 1410

Re: USAA and Haven Life (Mass Mutual) Life Insurance Quotes

You can't get a Haven policy through a broker AFAIK. Also, their whole premise is instant approval decisions in many cases. Did you submit an application and get informed that a medical exam was required?
by nps
Mon Mar 13, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Escrow question
Replies: 21
Views: 1455

Re: Mortgage/Escrow question

PandaBear wrote:
powermega wrote: I would also file complaints with the relevant consumer sites and government agencies.


What would those be? I don't have any experience filing complaints about banks/financial institutions.


CFPB
by nps
Sun Mar 12, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: 3 fund or 2? No international
Replies: 21
Views: 1952

Re: 3 fund or 2? No international

It's not just international that you have to worry about. The annoying thing about diversification is that it never works ex-post, only ex-ante. Well that is correct, so we are still making educated choices and comparing it ex post.That is what I was trying to use the backtest for. Is that not corr...
by nps
Sun Mar 12, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: National Averages (TaxAct)
Replies: 10
Views: 1304

Re: National Averages (TaxAct)

I am pretty sure that TaxAct only shows your "standing" within a group of income ranges that includes yours, not across all incomes, so there's not much to be gleaned from it in my opinion. Also, looking at the country as a whole, mean income is much higher than median income. Not sure if ...
by nps
Sat Mar 11, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: 3 fund or 2? No international
Replies: 21
Views: 1952

Re: 3 fund or 2? No international

It's not just international that you have to worry about. The annoying thing about diversification is that it never works ex-post, only ex-ante.
by nps
Sat Mar 11, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Savings in Perspective
Replies: 54
Views: 4657

Re: Putting Savings in Perspective

OP, not sure why you calculate this percentage. You seem to be comparing it to a benchmark of spending 80 percent of pre-retirement expenses in retirement and concluding that you are good. However, many of your deductions from gross pay will still exist. You will still pay income taxes and medical p...
by nps
Thu Mar 09, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: W2 question
Replies: 18
Views: 1162

Re: W2 question

You would change your W-4, not your W-2. It depends on the person. If you're just going to save it anyway, whether it's a little extra in each paycheck or a lot after tax filing, then I would agree it's better to change the W-4. Might as well get that money working sooner.
by nps
Sun Mar 05, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Financial Health Check
Replies: 2
Views: 435

Re: Portfolio & Financial Health Check

Looks like you are using an effective federal tax rate, perhaps the same for state. What is your combined marginal rate? I would use that marginal rate to see how much extra tax you are paying to invest in taxable rather than the max in your wife's 401k, and decide whether it's worth it. An ARM rese...
by nps
Thu Mar 02, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: I am calling a market bubble right now.
Replies: 27
Views: 3060

Re: I am calling a market bubble right now.

BogleInvestorLondon wrote:However, this whole rally has been happening on expectation.


What else would it be based on?
by nps
Thu Mar 02, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard taxable - changes?
Replies: 3
Views: 764

Vanguard taxable - changes?

My Vanguard accounts are currently IRAs and Roth IRAs holding Vanguard mutual funds. They are under the old site, not the upgraded brokerage interface. If I now add a taxable account to hold Vanguard mutual funds, does anyone know if that would force upgrade me to the brokerage interface? Also, I kn...
by nps
Wed Mar 01, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: American General Life term-life policy
Replies: 7
Views: 587

Re: American General Life term-life policy

Call the agent and ask him if the hold up is medical records. If so, you call the office and ask for them to expedite, get their name and when they can expedite, follow up. One local medical center here takes 12 weeks sometimes. This was my recent experience. I had to get personally involved to get...

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