Search found 93 matches

by anotherITguy
Mon Jul 18, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Question
Replies: 14
Views: 1430

Re: TSP Loan Question

Split the decision into two: 1. Should you take a loan? 2. Should you hold less stock? If the answer to 1 is yes and 2 is no, take a loan but change your percentage allocation so that you have the same amount in stock. You will thus be taking the loan from the G fund (and F fund if you use it), and...
by anotherITguy
Thu Jul 14, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Question
Replies: 14
Views: 1430

Re: TSP Loan Question

Thanks for all of the replies!
What about the theory of requesting a TSP loan when stocks are at an all time high? I'm about 85% stocks/15% bonds, so the majority of the funds would pull from stocks while they're worth the most. Is this theory flawed?
by anotherITguy
Thu Jul 14, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Question
Replies: 14
Views: 1430

Re: TSP Loan Question

I'm not in favor of this except when it is part of a plan. By that I mean you put money into the TSP that you would have otherwise held out for a house. It was part of your plan. In a case like that, I don't see a problem with it if you can afford the payments. I agree here, but would have never ag...
by anotherITguy
Thu Jul 14, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Question
Replies: 14
Views: 1430

Re: TSP Loan Question

I'm not in favor of this except when it is part of a plan. By that I mean you put money into the TSP that you would have otherwise held out for a house. It was part of your plan. In a case like that, I don't see a problem with it if you can afford the payments. I agree here, but would have never ag...
by anotherITguy
Thu Jul 14, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Question
Replies: 14
Views: 1430

TSP Loan Question

I've been contemplating pulling 10-15% of my total TSP account as a down payment for purchasing a home. My thoughts are that I've been contributing more than the amount I would have previously to my TSP as a pre-tax savings account in anticipation of pulling some out for a house. I'll also have a de...
by anotherITguy
Thu Nov 12, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Continue to Max Retirement or Save for a House?
Replies: 25
Views: 3020

Re: Continue to Max Retirement or Save for a House?

Watty wrote:I'm still not sure what "maxing" out your retirement really means.
It means 18k in TSP and 5.5k for Roth.
by anotherITguy
Wed Nov 11, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Continue to Max Retirement or Save for a House?
Replies: 25
Views: 3020

Re: Continue to Max Retirement or Save for a House?

I took a very basic look at it. Each dollar I saved in a taxable account was only .72 after taxes. If I had unused deferred space, I got to keep the whole dollar (until retirement). Minimizing taxes is a major part of the philosophy. Got it. So you basically saved for a house via a 50k loan from TS...
by anotherITguy
Wed Nov 11, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Continue to Max Retirement or Save for a House?
Replies: 25
Views: 3020

Re: Continue to Max Retirement or Save for a House?

I won't ask what your account balances are, but TSP permits loans up to $50k for the purchase of a primary residence. Current interest rate is 2.125%, which you would be paying to yourself. Keep in mind, the portion that you borrow will not be "in the market" while you are repaying. Depending on wh...
by anotherITguy
Wed Nov 11, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Continue to Max Retirement or Save for a House?
Replies: 25
Views: 3020

Re: Continue to Max Retirement or Save for a House?

I'm starting to wonder that instead of maxing out our retirement accounts we begin to save for a substantial down payment on a larger home. I would guess that your current mortgage is less than $2,000 a month, $24,000 a year, which would leave a lot of other take home pay. You didn't mention anythi...
by anotherITguy
Wed Nov 11, 2015 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Continue to Max Retirement or Save for a House?
Replies: 25
Views: 3020

Re: Continue to Max Retirement or Save for a House?

If you're in a TSP plan, you have the benefit of a defined benefit plan also, correct? If you stay employed until age 62, you will walk out with a pension of 30-40% of final average salary, correct? Assuming that is true, and early retirement is not in the cards for you, then saving for a more appr...
by anotherITguy
Wed Nov 11, 2015 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Continue to Max Retirement or Save for a House?
Replies: 25
Views: 3020

Continue to Max Retirement or Save for a House?

My wife and I have three small kids and we're currently living in a smallish townhouse. I'm starting to wonder that instead of maxing out our retirement accounts, we begin to save for a substantial down payment on a larger home. We purchased our current home at the peak so we have little to no equit...
by anotherITguy
Sun Aug 30, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Overlap In My Portfolio?
Replies: 4
Views: 547

Re: Overlap In My Portfolio?

Ok, I see. Just wondering if it's worth messing with at this point or should I just continue on with what I have?
by anotherITguy
Sun Aug 30, 2015 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Overlap In My Portfolio?
Replies: 4
Views: 547

Re: Overlap In My Portfolio?

Would I be losing any bond exposure by getting rid of Total Bond Market II and Total International Bond from TR2045 and just holding bonds in TSP G and F funds?
by anotherITguy
Sat Aug 29, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Overlap In My Portfolio?
Replies: 4
Views: 547

Overlap In My Portfolio?

In looking over my portfolio recently, I began to worry that I may have overlap between my Roth IRA and TSP and since I'm in the Target Retirement 2045 fund, I'm not able to fine-tune my holdings as much as I would like. I've been considering exchanging my TR2045 for something that complements my TS...
by anotherITguy
Thu Aug 13, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Tax Deferred Annuity (403b) to Traditional IRA
Replies: 2
Views: 327

Re: Roll Tax Deferred Annuity (403b) to Traditional IRA

Interesting... Not sure I can rollover into Vanguard as my wife is still with the employer, just got the following error when beginning to set up the transfer "100% of the current balance is available if you have terminated employment from this employer".

Is this typical?
by anotherITguy
Thu Aug 13, 2015 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Tax Deferred Annuity (403b) to Traditional IRA
Replies: 2
Views: 327

Roll Tax Deferred Annuity (403b) to Traditional IRA

My wife had a 403b with TIAA-CREF and the employer decided to drop them as a provider. I'm currently paying an avg ER of .70% with CREF. Is there any reason not to roll this into a Vanguard traditional IRA?
by anotherITguy
Mon Aug 10, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Re: Portfolio Advice Needed

yukon50 wrote:how did accumulate mid 6 fig portfolio by age 32?
Contributing to a Vangaurd Roth from age 16. Maxing out TSP for the past 10 years.
by anotherITguy
Mon Aug 10, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Re: Portfolio Tune Up Needed?

You may have missed my point about the I fund in your TSP. It contains only International Developed Large Cap Markets. The best Total International funds also include Emerging Markets and Small Caps. I would consider using Total Intl in your Roth IRAs and removing the I fund in your TSP. Hmmm, inte...
by anotherITguy
Sun Aug 09, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Re: Portfolio Tune Up Needed?

You may have missed my point about the I fund in your TSP. It contains only International Developed Large Cap Markets. The best Total International funds also include Emerging Markets and Small Caps. I would consider using Total Intl in your Roth IRAs and removing the I fund in your TSP. Hmmm, inte...
by anotherITguy
Sun Aug 09, 2015 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Re: Portfolio Tune Up Needed?

Lafder wrote:
Listing % as of total will greatly simplify calculating your AA and rebalancing :)
Got it. I've updated my original post.
by anotherITguy
Sun Aug 09, 2015 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Re: Portfolio Tune Up Needed?

The I fund is international developed markets only. I would change my IRA to Total International index to meet your Intl AA. I already have it. The Retirement 2045 is comprised of 33% Total International Stock Index Fund. You are under water on your mortgage. Are you paying PMI? I would put extra s...
by anotherITguy
Sat Aug 08, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Re: Portfolio Tune Up Needed?

I've tried to simplify my portfolio as much as possible, hopefully I've succeeded. don't think so. Your TSP allocation and desired split doesn't look that far from L 2050 so you could just use that instead. Also, you could sell out of the stocks and throw that at the mortgage. Lower returns, maybe,...
by anotherITguy
Sat Aug 08, 2015 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed
Replies: 15
Views: 1250

Portfolio Advice Needed

Hello All, I have a few, hopefully quick and easy questions: Questions: 1) Are my international holdings too high between the TSP I Fund and the Total International Stock Index in my TR 2045 fund, around 31% of my total portfolio? 2) Should I be contributing to the TSP G Fund? 3) Are there any glari...
by anotherITguy
Sun Jul 19, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: Costco Prescription Glasses
Replies: 17
Views: 3907

Re: Costco Prescription Glasses

Just got back from Costco. Purchased a pair of sunglasses with all the coatings availble for $125. Just submitted the out-of-network claim on the VSP website, we'll see how much they cover...
by anotherITguy
Sun Jul 19, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Best Place to Buy Quality Bathroom Scale
Replies: 11
Views: 1666

Re: Best Place to Buy Quality Bathroom Scale

hudson wrote:I've had this bathroom scale for 2 months and would buy it again.

http://www.amazon.com/dp/B001KXZ808/ref ... room+scale

I think that this link is boglehead-ized.
+1. I've had this scale for about 6 months. Solid choice.
by anotherITguy
Sun Jul 19, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Costco Prescription Glasses
Replies: 17
Views: 3907

Re: Costco Prescription Glasses

cadreamer2015 wrote:I've used Costco for years. I submit the receipt to VSP and they send me a check, so usually no cost to me.
Oh nice, didn't realize you can submit Costco Optical charges to VSP for reimbursement!
by anotherITguy
Sun Jul 19, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Costco Prescription Glasses
Replies: 17
Views: 3907

Costco Prescription Glasses

I'm looking for new prescription sunglasses and regular glasses, would you recommend getting them from Costco? I have VSP vision insurance which I know Costco doesn't accept. Trying to figure out if it would still be cheaper going the Costco route rather than go through VSP.

Thanks.
by anotherITguy
Sun Jul 19, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

Something else is going on. This is not possible. Either your wife's district, or the union or somebody is paying the costs if that is all your wife will pay. If somebody else is paying the costs, then you and your wife should be very, very lucky. Districts and unions to my knowledge have never pai...
by anotherITguy
Sun Jul 19, 2015 8:40 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

retiredjg wrote:
Where did this link come from? Is this something the school district provided or something you put together when comparing all the plans?
Yes, this chart was provided by the school district.
by anotherITguy
Sun Jul 19, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

Yeah, I'm not happy with any of her 403b options and considering teachers don't get a match, I think we're going to pass for now. Can she contribute $5500 to both a traditional and Roth IRA or is it $5500 total?
by anotherITguy
Fri Jul 17, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

Is your wife's employer a school district? Does the employer provide a match? Metlife total costs are 1.02%. And that is what's reported. I would be very leery of just taking this list as the sole source of information. 403bs are notoriously conflicted with useless and expensive insurance coverage ...
by anotherITguy
Fri Jul 17, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

I think it depends on what you need to hold in this account. If you want broad coverage (all of the US, foreign, and bonds) then Valic is the winner. If you just need 500 index and a bond, Metlife will do the trick and is a tiny bit cheaper. Valic has a good small cap (and mid cap) so you can appro...
by anotherITguy
Thu Jul 16, 2015 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

It is up to you but my 2 cents worth. Valic's service sucks based on my experience few years back. May be they are better now. On the way out the will sock you too. Check fine prints. Good luck. VALIC claims no back-end load for my plan, do they call it something else? Anyone else have any experien...
by anotherITguy
Thu Jul 16, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

Ok, so what if I stick with VALIC and choose the following stock funds and then up the bond allocation in her IRA?

81% Fidelity Spartan 500
6% Vanguard MidCap Index
13% Vanguard SmallCap Index

Does this make sense?
by anotherITguy
Thu Jul 16, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

Re: 403b Choices

I didn't even notice that one! That certainly sounds like a good choice for my 85% stock allocation.
by anotherITguy
Thu Jul 16, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1820

403b Choices

From the following 403b choices that my wife has available, I'm fairly sure that the VALIC option is the best way to go in terms of an expense ratio/Vanguard fund option goes. Of the limited Vanguard funds available under VALIC, I'm unsure about which funds would provide her with our 15% bond/85% st...
by anotherITguy
Thu Jun 11, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best Company to Bundle Auto & Home Insurance
Replies: 19
Views: 4097

Re: Best Company to Bundle Auto & Home Insurance

We've been with Amica for about 10yrs. Very happy with them, though I bet they're not cheapest.
by anotherITguy
Tue Mar 17, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 7493

Re: how often do you check performance?

I calculate my net worth bi-monthly, on paydays.
by anotherITguy
Sun Mar 08, 2015 6:17 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 8844

Re: interest rate increase looming. what you gonna do ?

I'm a bit over exposed on the bond/TSP G side. I would like to wait until July, when the expected rate increase would occur, to rebalance. Is this timing the market?
by anotherITguy
Sun Mar 08, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 34
Views: 5982

Re: Thinking of buying electric shaver

I second the double edge razor. I recently picked up an Edwin Bagger razor for $30 and 100 replacement blades for roughly $10. A much better shave than an electric/cartridge razor. The blades should last me about 2 years. A synthetic badger brush can be had for about $20 and a decent cream for $5 or...
by anotherITguy
Sun Mar 08, 2015 5:18 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 8844

Re: interest rate increase looming. what you gonna do ?

Would moving $ from TSP G to TSP C/S after the rate increase be seen as timing the market?
by anotherITguy
Sat Feb 28, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 17
Views: 6991

Re: Vanguard Strikes Back With Lower Target-Date Fees

So I'm guessing this means no change in expense ratio in my measly IRA :confused
by anotherITguy
Tue Feb 24, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1576

Re: Portfolio Revie


There is really no reason to use Roth TSP instead or before Roth IRA that I can think of. There might be reason to use both (some) Roth TSP and Roth IRA.
Would an expense ratio of 0.029% be a good reason to contribute to the Roth TSP over the Roth IRA?
by anotherITguy
Sun Feb 22, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1576

Re: Portfolio Review

Where would the Roth TSP fit in? Would that be funded before or after a Roth IRA?
by anotherITguy
Sun Feb 22, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1576

Re: Portfolio Advice Please

You could simplify more by using an L fund instead of the 5 funds in the TSP. Did you not want to do that? I guess I could use one of the L funds. I wanted to have some available in G so that if there's an appreciable decline in C/S/I, I could move some into those funds. I know, don't time the mark...
by anotherITguy
Sun Feb 22, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1576

Portfolio Review

Hello All, I haven’t checked-in for an asset allocation review in a few years and would greatly appreciate any advice. Thanks! Age: 32 Tax Filing: Married Filing Jointly Tax Rate: FED 28%, State 5.25% Debt: $299k mortgage @ 4.25%, value of home $285k Emergency Fund: Yes, 6 months Desired AA: 85/15 s...
by anotherITguy
Tue Feb 17, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from Target 2045 in IRA
Replies: 10
Views: 1066

Re: Switch from Target 2045 in IRA

True, is the relatively small savings in fees going to be outweighed in the long run by Vanguard actively managing the fund and taking into account swings in the market...?
by anotherITguy
Tue Feb 17, 2015 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from Target 2045 in IRA
Replies: 10
Views: 1066

Re: Switch from Target 2045 in IRA

If my math is correct, over the next 10 years I would save $228 in fees switching from Target 2045 to the Three Fund Model, even if the Total Stock Market is the only Admiral.
by anotherITguy
Tue Feb 17, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from Target 2045 in IRA
Replies: 10
Views: 1066

Switch from Target 2045 in IRA

I was wondering if it makes sense for me at this point to switch from the Target 2045 in my Roth to the Three Fund Model with my current AA of 80/20. I would be eligible for Admiral Shares for the 64% I would allocate to Total Stock Market but would not have enough in either of the Total Internation...
by anotherITguy
Tue Jan 13, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to Roth or TSP
Replies: 8
Views: 929

Re: Contribute to Roth or TSP

I would contribute the max to TSP and then max out a Roth IRA. Have you estimated what the average tax rate might be on your withdrawals in retirement. Have large do you expect your pension to be? Will you retire early, such that there will be a gap between retirement and the pension? How large wil...