Search found 921 matches

by TropikThunder
Sat Jul 21, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio - am I doing right?
Replies: 7
Views: 534

Re: HSA Investment Portfolio - am I doing right?

I believe that you are duplicating your Total Stock Market allocation by having two similar ETF''s: SPTM (SPDR Portfolio TSM) and VTI (Vanguard TSM). At a minimum, you could pick one of these Total Stock Market ETF''s and consolidate them. Most likely, OP has both total stock funds (VTI and SPTM) d...
by TropikThunder
Thu Jul 19, 2018 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Weird info from HR on HSA
Replies: 13
Views: 1623

Re: Weird info from HR on HSA

I thought this year's maximum contribution was $6,850? It was originally announced as $6,900, but then lowered. Has this changed again? The IRS changed it back to the original $6,900. Bumping it back to $6,900 did not get nearly the same amount of media coverage as (temporarily) lowering it to $6,8...
by TropikThunder
Wed Jul 18, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Any luck Unlocking Sprint iPhone 5?
Replies: 7
Views: 554

Re: Any luck Unlocking Sprint iPhone 5?

I was trying to use it on T-Mobile. Yup, won't work. You have a CDMA phone, and T-Mobile uses GSM. Lazydavid is right. I just want to add that the Sprint iPhone's do have a GSM radio, but that radio does not function in the US (it's why you can use a European carrier's SIM card in Europe with a Spr...
by TropikThunder
Wed Jul 11, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs VITSX
Replies: 10
Views: 767

Re: VTSMX vs VITSX

There are only four funds in my retirement account that are international: RNPGX, FPMAX, FSIVX, OANIX. Which one is recommended from this list for the three-fund portfolio? Also, for bonds, these are the only available funds: BRHYX, FSITX, MWTIX, VBIRX. Apart from these, there are less than 10 fund...
by TropikThunder
Mon Jul 09, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2853

Re: Rodents ate my car, and my insurance is ripping me off!

mortfree wrote:
Mon Jul 09, 2018 11:10 am
Was it really necessary to submit a claim for this?
$1,000+ claim on a policy with a $200 deductible and you’re asking why OP wanted to file a claim?
by TropikThunder
Fri Jul 06, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1378

Re: Replacing only 2 tires out of 4?

I would expect the tires that have the drive power on them to wear faster, so that is a little odd. What vehicle is it? That may be a sign of your alignment being bad in the front. What mileage are you at on the tires compared to what they are rated for? The drive power is actually the least of the...
by TropikThunder
Fri Jul 06, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: Why does VXF hold so much cash? [Vanguard Extended Market ETF]
Replies: 10
Views: 837

Re: Why does VXF hold so much cash? [Vanguard Extended Market ETF]

Hi, VXF has a massive 11% turnover ratio!!! Is that alarming and is that detrimental to the fund performance? Well, the category average per M* is 61% so you could also say VXF has a tiny turnover ratio compared to other extended market funds. 11% turnover is not really that much. It is definitely ...
by TropikThunder
Tue Jul 03, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Does the Vanguard Total Bond Market Index Fund ever sell bonds?
Replies: 4
Views: 901

Re: Does the Vanguard Total Bond Market Index Fund ever sell bonds?

I was reading yet another thread on bonds vs bond funds and got to thinking about whether the Vanguard Total Bond Market Index Fund ever sells bonds or whether they primarily buy and hold to maturity? Assuming that there are only net inflows over time, it seems to me that really it just needs to bu...
by TropikThunder
Sat Jun 30, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX - TD Ameritrade -> Vanguard [Vanguard 500 Index]
Replies: 18
Views: 763

Re: VFIAX - TD Ameritrade -> Vanguard

So I actually already have VTI in this portfolio. It probably would just be wise to increase my position. Simply put I just need to not have all this cash on hand that's been doing nothing for me. I was actually going to model this after my Betterment portfolio. I don't like to get spicy with my mo...
by TropikThunder
Thu Jun 28, 2018 11:32 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4582

Re: Is there a way to avoid bad companies in S&P 500?

tennisplyr wrote:
Thu Jun 28, 2018 5:53 pm
I believe Fidelity allows you to create a fund made of a market basket of individual stocks.
How is that different than just buying the individual stocks?
by TropikThunder
Thu Jun 28, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: 401K company match may have been too low. Seeking interpretations
Replies: 17
Views: 1346

Re: 401K company match may have been too low. Seeking interpretations

sounds like you were hired in 2012...but I agree with others as to older employees having a lower match makes little sense. I don't think it's that simple. Would he put on his resume that he worked there from Dec 2012, or from Apr 2013? I'm guessing your plan is day 1 eligibility for participation ...
by TropikThunder
Thu Jun 28, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9754

Re: Stocks vs. rental property

He had amassed close to a million dollars by his 64th birthday around 2008. He had already planned vacation, retirement, spending more time with his family, etc. Let me update you, he lost more than half his portfolio balance by 2009. Don didn't get to retire. He had continued working for another 1...
by TropikThunder
Tue Jun 26, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 500 over Vanguard Total (US) Stock Market
Replies: 45
Views: 5028

Re: Vanguard 500 over Vanguard Total (US) Stock Market

Personally, I don't think the difference between the Vanguard 500 and the Total Market Index Fund is important. As it happens, I hold Total Market because my original idea when I first bought the Vanguard 500 Index Fund was "hold the whole market," and I felt that the Total Market fund more faithfu...
by TropikThunder
Sun Jun 24, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1337

Re: Retirement Fund Help with TIAA-CREF

It is still not clear to me why someone is pushing you towards the CREF Growth Account. That seems both worse than your existing target date fund and much worse than other available options. I think you can safely ignore that "advice". I agree, especially given OP’s phrasing of it as “more aligns t...
by TropikThunder
Fri Jun 15, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: VYM ETF Fund VS 3 or 4 fund portfolio.
Replies: 3
Views: 428

Re: VYM ETF Fund VS 3 or 4 fund portfolio.

I discovered VYM today and compared to my managed portfolio at Vanguard, it has performed better. A single fund with impressive results https://www.fool.com/investing/2018/01/09/better-buy-vanguard-high-dividend-yield-etf-vs-spd.aspx This is a domestic equity fund. Did it beat a 100% Total US Marke...
by TropikThunder
Fri Jun 15, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: VEVFX
Replies: 6
Views: 646

Re: VEVFX

I am considering VEVFX to add to my portfolio. I believe value will prevail over growth in the next several months . I like the blend of small and mid caps. Any opinions. What will you do then? Switch to Growth? Seriously though, if your target is Small Cap Value, there are many funds that are more...
by TropikThunder
Fri Jun 15, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1277

Re: $3K, Which Vanguard Mutual Fund?

I'm a newbie here myself, but I believe the standard advice is to settle on an asset allocation (% stocks vs bonds) that you are comfortable with first, and then to balance your entire portfolio, across all accounts, to that allocation. I'm a beginner to investing and boy do I feel stupid :oops: , ...
by TropikThunder
Wed Jun 13, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Buyer - Foreign Income Question for Lenders
Replies: 3
Views: 235

Re: First Time Buyer - Foreign Income Question for Lenders

I am currently looking to purchase a home in California. I had a steady income in the US from 2015 through the end of 2017. A better opportunity arose with income from an international source (same job type), this started in April 2018. I am seeking lenders I can work with given this information. D...
by TropikThunder
Tue Jun 12, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8952

Re: Getting killed on taxes - any ideas?

On the other hand, if it is your wife making the additional $10K. Since her w-2 employee elective deferral is limited, she could make and deduct employee elective deferrals up to 100% of $18,500 - her W-2 deferrals not to exceed her net self-employment earnings. That would definitely increase their...
by TropikThunder
Mon Jun 04, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Dilemna
Replies: 10
Views: 1348

Re: 403B Dilemna

I'm not sure if my current health insurance plan provides a high deductible option, but if it does, then I'm interested in creating an HSA account. This would be done with the understanding that I would remove myself from my DW's family insurance plan (increase the amount of her take home pay) and ...
by TropikThunder
Mon Jun 04, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 2899

Re: Just realized that our MFs have high expense ratios

goingup wrote:
Mon Jun 04, 2018 10:20 am
I like American Funds but they are expensive, often have loads, and throw off large distributions.
Then why do you like them? If they outperform lower cost strategies, then the costs are irrelevant. If they underperform lower cost strategies, what’s to like?
by TropikThunder
Wed May 23, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Purchasing SIM card WITH phone?
Replies: 10
Views: 868

Re: Purchasing SIM card WITH phone?

Folks, Thank you all for your suggestions. Didn't realize the importance of the GSM v. CDMA phones, which made it much simpler to find inexpensive phones for international travel on Amazon. Got an 17.99 Easyfone (decent reviews) that should do the job, and will buy a Vodafone SIM card in Portugal. ...
by TropikThunder
Wed May 23, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1618

Re: Car wreck insurance settlement

The insurer already owns part of any settlement by way of an insurance lien. They have a right to get their money back if it was someone else's fault. The attorney will get her share as well. Yes, of course, the insurer should/can get reimbursed for payments made. But not a percentage regardless of...
by TropikThunder
Tue May 22, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Purchasing SIM card WITH phone?
Replies: 10
Views: 868

Re: Purchasing SIM card WITH phone?

Been reading BH posts re: international phone usage & SIM cards for upcoming Portugal trip. Our flip phones won't accommodate SIM cards, & not interested in upgrading to an iPhone or Android (we don't text and use our flip phones infrequently). Is it possible to purchase a "throw away" phone with a...
by TropikThunder
Mon May 21, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1392

Re: Please help me rationalise 401k investment choice

I would concern myself less with what someone else thinks and more with learning as much as I can on my own and determining whether my choices are appropriate for my goals. If you can’t explain your choice to someone else, that means you yourself don’t understand why you’re making that choice. At a...
by TropikThunder
Fri May 18, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Want to make sure I understand employer/personal allocation choices
Replies: 7
Views: 680

Re: Want to make sure I understand employer/personal allocation choices

I'll be in the 22% bracket now (gross salary is in the mid-60s). If your gross salary is in the mid-60s it's unlikely your income after the standard deduction will be below $38,700, especially since you're contributing to Roth accounts, not pre-tax accounts which would lower your taxes. To me it lo...
by TropikThunder
Thu May 17, 2018 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Multiples credit pulls on a mortgage app
Replies: 15
Views: 1187

Re: Multiples credit pulls on a mortgage app

Bogle_Bro wrote:
Wed May 16, 2018 7:52 pm
Moot.

Go through customer service for that request. It's inconsiderate to ask the salesperson to spend their time on that.
Please tell me you’re kidding.
by TropikThunder
Tue May 15, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: One time transfer from IRA to HSA
Replies: 4
Views: 535

Re: One time transfer from IRA to HSA

Hello, From 2015 to 2017, i used to be in high deductible health plan (HDHP) and my company offered an HSA account. This year, anticipating pregnancy and child birth, we changed our health care plan to a regular PPO plan. We were funding the HSA during the time period. Currently, my wife and I are ...
by TropikThunder
Sat May 12, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I Buy A House?
Replies: 34
Views: 3052

Re: Can I Buy A House?

Take a mortgage and buy a reasonable home where you can stay when you are married with kids. Rent it out while staying with your parents in the meanwhile. You will create an asset/home equity. Not taking a mortgage while buying a house at your age and income is a mistake. Buy a house that he may li...
by TropikThunder
Thu May 10, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Using 403(b) 457(b) for Roth Conversions ?
Replies: 13
Views: 1033

Re: Using 403(b) 457(b) for Roth Conversions ?

Is this the start of a reasonable strategy? Not while you are working. Because you will pay tax at what is probably your highest tax rate ever. Your salary is already filling up the lower tax brackets. The conversion will be taxed at the highest tax rate. Conversions should be done when you are in ...
by TropikThunder
Wed May 09, 2018 1:57 am
Forum: Investing - Theory, News & General
Topic: Idea: An exchange to buy/sell ETFs at the NAV?
Replies: 10
Views: 608

Re: Idea: A marketplace to buy/sell ETFs at the NAV?

Why don't brokerages set up a way for investors to buy/sell ETFs at the NAV? This way people who don't want to bother with day trading can feel comfortable with ETFs. They can avoid things like bid-ask spreads. And they can avoid unsafe situations like this . The way I imagine it working is buyers ...
by TropikThunder
Mon May 07, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to underlying funds
Replies: 4
Views: 314

Re: Allocation to underlying funds

Researching some funds, i.e.VFORX and noticed the allocation to underlying funds for one called " Vanguard Total Bond Market II Index Fund Investors Shares*" I can not find the "..II.." type, so was wondering what that means. Vanguard TBM II is a version of their Total Bond Market that’s only held ...
by TropikThunder
Mon May 07, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 5248

Re: [Car accident claim exceeds coverage, send to collection agency?]

OP appears to be judgment proof, i.e., broke, so this may just be an idle threat by the insurance company. Or it could be a real threat. Because it could be a real threat, OP should talk to a lawyer and not just ignore the insurance company's demands. OP, contact your local bar association and ask ...
by TropikThunder
Mon May 07, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 5248

Re: [Car accident claim exceeds coverage, send to collection agency?]

Would it be better if he waited for it to go to collections (or to court for a judgement)? He's going to lose without a lawyer (which will cost more than the $2,000 they say he owes). All the other insurance company will need to show is what they paid the repair shop minus what OP's insurance compa...
by TropikThunder
Mon May 07, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Want an HSA but have Tricare Prime
Replies: 8
Views: 674

Re: Want an HSA but have Tricare Prime

As far as getting around this, one could dis-enroll from Tricare and go on an HDHP but I can't see that being that beneficial from a health coverage point of view (I know next to nothing about how good Tricare coverage is though). I don't know much about Tricare either but the annual enrollment fee...
by TropikThunder
Mon May 07, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 5248

Re: [Car accident claim exceeds coverage, send to collection agency?]

It seems that the other owner's insurance company must have paid $7,000 to repair the damage done to the other car, under the other owner's collision coverage - then gone after the original post's property damage coverage for that amount - HOWEVER, that limit was only $5,000. Hence, the $2,000 defi...
by TropikThunder
Mon May 07, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Want an HSA but have Tricare Prime
Replies: 8
Views: 674

Re: Want an HSA but have Tricare Prime

Hello- My husband is a 25 year retired vet. He has transitioned to the civilian world and is eligible for an HSA with his new job. Can we forego Tricare (we are only eligible for Tricare Prime) and choose a High Deductible health plan? The Human Resources rep is saying we are ineligible as per the ...
by TropikThunder
Fri May 04, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: How often ETF’s split?
Replies: 7
Views: 910

Re: How often ETF’s split?

I don't see why they would split. You can buy a single share for free. I can see why they reverse split. I would make it make it more accessible and improve volume . I agree. For example, when State Street changed over to the Spider Portfolio ETF's last October (SPTM Total Stock Market, SPAB Total ...
by TropikThunder
Thu May 03, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6761

Re: Starting to smell like buying season?

It's the 12% that starts to tickle the nostrils IMHO. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. I certainly hear the not carved in stone stuff myself. I've been floating at about 44% in equities and would want to see a much bigger drop before I was...
by TropikThunder
Wed May 02, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4411

Re: Ally asking CURRENT customer to provide SSN card?

Employers ask for these cards from new employees. I guess you could ask them what they think they are accomplishing too. Employers have a form called an I-9 where they have to verify a person's identity and eligibility to work. I think munemaker’s point is that an employer shouldn’t need a copy of ...
by TropikThunder
Wed May 02, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4411

Re: Ally asking CURRENT customer to provide SSN card?

I don't understand the concern here all banks ask for a SSN for tax reasons. I believe there are other identification numbers you can provide if you aren't a US citizen so I wouldn't worry about it. OP said Ally asked for a copy of his SS card itself , not just his SS number (which they already hav...
by TropikThunder
Sat Apr 28, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA for high-tax bracket
Replies: 11
Views: 863

Re: Traditional vs. Roth IRA for high-tax bracket

@ThisJustIn, there is something in the way that you describe your options that makes me wonder if you understand the details. That said, if you’re eligible for a mega backdoor Roth, go for it; it’s quite an effective way to save for retirement. I may be wrong, but to me the "doesn't sound right" pa...
by TropikThunder
Sat Apr 28, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA for high-tax bracket
Replies: 11
Views: 863

Re: Traditional vs. Roth IRA for high-tax bracket

For traditional IRA, I can only contribute 5.5K, which is the limit, but pre-tax money (Clarification question: how is tIRA contribution pre-tax if I contribute to tIRA from my bank account , and not from my pay directly?) It's pre-tax if you claim it as a deduction on your 1040, as FiveK said. You...
by TropikThunder
Thu Apr 26, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Holding S&P 500 Index vs Total Stock Market?
Replies: 35
Views: 12397

Re: Holding S&P 500 Index vs Total Stock Market?

As for mutual funds versus ETFs, the primary advantage to funds is that you don't pay a commission to buy or sell shares . So if you're investing every month or with every pay period, that purchase commission in a brokerage account can really add up. ETFs have some tax advantages since there is oft...
by TropikThunder
Thu Apr 26, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 12896

Re: A Rant about Ticker Speak

I highlighted AGG, right-clicked and "search with Google" AGG = iShares Barclays Aggregate Bond Fund NYSEARCA: AGG 105.81 USD +0.14 (0.13%) :arrow: Total elapsed time < 500 milliseconds 8-) Which is also about how long it would take a poster to copy the fund name and put it in their original post i...
by TropikThunder
Wed Apr 25, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 33170

Re: KF's simple rules to achieve FI [Financial Independence]

If I didn't follow this board regularly I would disregard Klangfool as a troll. These rules are impractical and discouraging for average folks who visit this board. If we all listened to this advice then anyone with an income below 6 figures should be living in a shotgun shack and working until the...
by TropikThunder
Wed Apr 25, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k only up to the match and the rest in IRA's...
Replies: 7
Views: 835

Re: 401k only up to the match and the rest in IRA's...

What I don't know is if there is a higher contribution limit at a 401k or in an IRA, or are they the same. I guess this would only be of concern to a super saver. What does the IRS say? https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits https://...
by TropikThunder
Wed Apr 25, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 12896

Re: A Rant about Ticker Speak

It takes just a few seconds to look up the symbol though. It takes just a few seconds to copy the fund name though. Double click it in the post, right click, left click "Search Google VTI". Double click the symbol in your post, right click, left click "Search Google VTI" and then copy the fund name...
by TropikThunder
Wed Apr 25, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Partial Tax Loss Harvesting
Replies: 6
Views: 442

Re: Partial Tax Loss Harvesting

I’ve harvested tax losses a number of times over the years. Sometimes I’ve sold all shares in a fund and then invested the proceeds in a similar but not substantially identical fund. Other times, I’ve sold all shares, put the proceeds in a money market fund, and then, thirty-one days later, reopene...
by TropikThunder
Wed Apr 25, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Rising Interest and bond funds
Replies: 19
Views: 2282

Re: Rising Interest and bond funds

I am interested in anyone's take on the philosophy of rising interest rates and the risk to bond funds and whether a bond ladder is the place to be. I understand the mechanics of why bond funds can take a hit when interet rates rise but don't bond fund managers proactively consider interet rates wh...