Search found 430 matches

by nps
Tue Nov 14, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment at work; they split the HSA into two options now
Replies: 4
Views: 887

Re: Open Enrollment at work; they split the HSA into two options now

Of course, not per month. Must drink more coffee :happy

Agree, it definitely does not seem worth $200 per year
by nps
Tue Nov 14, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment at work; they split the HSA into two options now
Replies: 4
Views: 887

Re: Open Enrollment at work; they split the HSA into two options now

The extra $200/mo in HSA contributions means you would be better off with saver up to $6,500 in out of pocket expenses against the deductible. Above $6,500 you would start out slightly worse off in saver (max $400 worse off at $7,000 expenses), then the difference would shrink and favor saver again ...
by nps
Fri Nov 10, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are HSA fees qualified medical expenses?
Replies: 4
Views: 451

Re: Are HSA fees qualified medical expenses?

Publication 969 covers HSAs. It states that HSA administration and maintenance fees withdrawn by the trustee aren't reported as distributions.
by nps
Wed Nov 08, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 3588

Re: Did we make it to "The 2 Comma Club"? Maybe not?

I think he is just pointing out that money that is tax-deferred is worth less because the government has a future claim on it. Roth is tax free at withdrawal if you play by the rules.
by nps
Mon Nov 06, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1833

Re: How Much should I fund my HSA and Why?

It is always a slam dunk? Our HSA charges a monthly fee to "invest" and you can only put 75% of your funds in the investment portfolio. On top of that, the expense ratios are higher. You can transfer the funds to a better custodian. You're not stuck with your insurer's choice. Keep a few bucks in t...
by nps
Sun Oct 29, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Air Bag Claim notice from Takata (TK Holdings)
Replies: 9
Views: 1204

Re: Air Bag Claim notice from Takata (TK Holdings)

I have a 2004 Honda Accord V6. After the airbag stories started coming out I checked recall notices for my vehicle. Never had one, and still don't.

I did receive that same postcard though. Not sure what to make of it.
by nps
Tue Oct 24, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Looks like TDA is getting lots of feedback. Complaints from institutional investors have caused them to delay commission-free fund removal for those clients by an additional 60 days: http://www.investmentnews.com/article/20171023/FREE/171029979/td-ameritrade-triples-time-before-it-charges-fees-on-po...
by nps
Sat Oct 21, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 26
Views: 2688

Re: TD Ameritrade fund replacement

Do you not foresee any point in your future when you might pay zero LT capital gains, especially in retirement? Currently that would be taxable income at $75,900 or below for MFJ. Your older assets will be taxed at long term rates, it doesn't matter if you have also bought shares more recently that ...
by nps
Fri Oct 20, 2017 5:54 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

All of them? Current quote on SPTM is 31.73 bid, 31.74 ask, .01% premium VTI is 131.31, 131.32, .02% premium 1 cent of 31.74 is 0.03% spread 1 cent of 131.32 is 0.008% spread And yes, I know "premium" is something different from "bid/ask spread." Anyways, one shouldn't pay the full spread. I was ju...
by nps
Thu Oct 19, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For those looking to switch funds at TDA in tax advantaged accounts, without having to worry about the tax implications of doing so in taxable, that bid/ask spread on the new State Street funds is going to cost ya... All of them? Current quote on SPTM is 31.73 bid, 31.74 ask, .01% premium VTI is 13...
by nps
Wed Oct 18, 2017 5:35 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads

I got a response back from TDA this afternoon. As a “one-time courtesy” they gave me 3 free trades in my new HSA good for 60 days, which is basically what I asked for. I’m going to buy a non-commission-free ETF and set it up with DRIP. I’m going to use a commission-free ETF for periodic investments...
by nps
Tue Oct 17, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads

Well this sucks. I'd rather pay a commission and use Vanguard ETFs than use some of these crummy ETFs. That's what I'm doing at Schwab already in my 401(k). Only my HSA is at TD Ameritrade, and I only make one purchase per year right now, so if I can score 30 free trades that'll do me for a long, l...
by nps
Mon Oct 16, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads

I have both Vanguard ETFs and non-Vanguard ETFs at TD. If I transfer out all of my Vanguard ETF positions in-kind while maintaining my positions in the other non-Vanguard funds, does TD consider this a partial transfer (free) or a full transfer ($75 fee)?
by nps
Mon Oct 16, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 39882

Re: Fellow TDA bogleheads

Looks like SPTM is a fund name change from THRK (SPDR Russell 3000 ETF) and effective today. The updated fund reduced fees and changed its tracking index.

https://us.spdrs.com/public/SPDR_SERIES ... PECTUS.pdf
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: 1000

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: 1039

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: 591

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: 2214

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: 2214

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: 2214

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: 206

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: 43
Views: 3319

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: 43
Views: 3319

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: 1416

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: 602

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: 715

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: 859

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: 38
Views: 4247

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: 1798

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: 1798

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: 1721

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: 38
Views: 4247

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: 38
Views: 4247

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: 2489

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: 1875

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: 1875

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: 2489

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: 895

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: 1643

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: 1313

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: 636

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: 1407

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: 2677

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: 3671

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: m I see all of the recommendations on non-screen based learning above and that's fine, but most kids are going to have some s...
by nps
Wed Apr 05, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: HSA Question
Replies: 8
Views: 942

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: 591

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: 2770

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: 3117

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: 48
Views: 5967

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: 6148

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?