Bogleheads.org

Add your request to your Amazon account delivery instructions and then call all other affected carriers and have them add them to their account for you.

I was dealing with another (but similar) delivery issue and this works.

Several great posts. I won’t give my specific opinion but when “tough” decisions like this come up for me and it’s hard to make the 100% correct decision (because of unknowns), consider what I do.

Do a 50/50 decision. Sell enough taxable to pay off 50% of your mortgage balance and keep the other 50% invested. Similar to balanced portfolios. No one knows the right answer, so cover both of your bases.

YMMV. Good luck.

4.125%

https://www.tspfolio.com/tspgfundinterestrate

gmthebeau wrote: ↑Wed Mar 01, 2023 1:45 pm

junior wrote: ↑Tue Feb 28, 2023 1:18 pm

gmthebeau wrote: ↑Tue Feb 28, 2023 12:38 pm With a withdrawal rate of only 13 years, you really can't afford to take a lot of risk.

Yes and no. OP can take SS as earlier as 62 if risk shows up. The lack of flexibility is self- imposed.

Taking social security earlier is at a cost of 8% per year lower income for the rest of their life. I would personally not risk in stocks at historic high valuations when I can get 4-5% risk free in G fund. L income ins't a bad choice either as some have said, but it still leaves 30% in risk assets when both stocks and bonds are overvalued.

+1

The only reason I still have funds in the TSP is because of the G Fund.

I hang out with some older folks and lots of time we talk retirement. The general consensus is…

65 - 75 “The go go years”

75 - 85 “The slow go years”

85 - 95 “The no go years”

95 + “It’s all a bonus at this point”

When the TSP website doesn’t give you the information you desire…go elsewhere to find it…

https://www.tspfolio.com/tspgfundinterestrate

mcraepat9 wrote: ↑Wed Feb 15, 2023 9:34 am If this is in the US, then no issues. A SAR is required to be filed if you deposit $10k in cash.

Breaking up a $10k+ deposit into smaller deposits is considered structuring and is, of course, illegal.

Really? How could anyone prove that?

Kevin M wrote: ↑Thu Feb 02, 2023 1:14 pm This has been discussed a lot already. There is a mega-thread on the horrible new interface.

The best workaround I've seen so far is to bookmark this link: https://personal.vanguard.com/us/faces/TPView. Once logged in, click it, and you'll see the "old" (and much better) interface. Some actions will stick with the old interface (e.g., buy/sell), but some will use the new interface (e.g, transaction history).

Thank you for the link. It did the trick.

I’ve never flown with them but I can say one thing about them. They have extremely courteous pilots and very, very easy to work with.

Info_Hound wrote: ↑Mon Jan 23, 2023 8:38 am Also plan for the transaction to take time, it will not happen in just a day or so.

If I already have my bank account hooked up to ACH out of the TSP, how many days after I put in my partial request (before 12 noon) would it take for the $$ to be deposited into my bank account? Thank you.

Uh…no.

BTW, don’t believe everything you’re told about delays.

In the end, it’s caused by too many planes and not enough asphalt.

Is this letter from the Damage Recovery Unit based in Kansas City, MO?

Anyway you can rent (like on vacation) what you want or something similar to scratch that itch once or twice a year, instead of buying?

So far, that’s what I’ve done. Whether that will continue is debatable…

Reminder…use the post search box above to make sure your guess wasn’t already used…

4411.33

It just keeps getting worse. The TSP now has deadline dates to 100% complete direct rollovers into their plan. It doesn’t matter whose fault the delay in completing the transaction is. I was just told there are no extensions and if the check isn’t received without the current and correctly filled out paperwork on file, it will be returned to the custodian it came from. So, I guess they don’t want anymore funds and are unwilling to work with customers. And I for one will not be doing anymore rollovers into the TSP. I’ll find other uses for the funds or just leave them where they are. Without the G Fund, I can’t see holding funds in the TSP and I see it as offering very little value to a retiree. BTW, TSP thanks for spending millions on the ...

It just keeps getting worse. The TSP now has deadline dates to 100% complete direct rollovers into their plan. It doesn’t matter whose fault the delay in completing the transaction is. I was just told there are no extensions and if the check isn’t received without the current and correctly filled out paperwork on file, it will be returned to the custodian it came from. So, I guess they don’t want anymore funds and are unwilling to work with customers. And I for one will not be doing anymore rollovers into the TSP. I’ll find other uses for the funds or just leave them where they are. Without the G Fund, I can’t see holding funds in the TSP and I see it as offering very little value to a retiree. BTW, TSP thanks for spending millions on the “...

rgs92 wrote: ↑Mon Oct 24, 2022 12:33 pm There is no annuity you can buy on the open market that is anywhere near as lucrative as Social Security. There are good reasons for that. It would not be profitable for the issuer or would be too risky for them.

I'm sure there are many people out there who are currently grateful they deferred Social Security by spending down their stock and bond portfolio over the last few years.

+1

There are legs of the stool (SS, pensions, TSP G fund, etc.) that are pretty much impossible to replace. So, why try? Take the risks elsewhere (stocks, bonds, etc.).

I have posted twice before about taking social security early to invest. The thing that nobody never pointed out clearly that I only recently understood is that extra 7-8 % per year you get for delaying social security is just simple interest - not compounded. Yet when you take social security early and invest it any earnings there are compounded. Compounding can make a huge difference. Yes thanks to Bogleheads I understand much better the further advantages to delaying to allow more conversions to Roth and that it interacts with IRMAA, etc. Ignoring the tax issues (which you can't) I have seen enough studies to believe statistically those who take SS early and invest are better off than those who delay - you just incur more risk or volati...

sls239 wrote: ↑Fri Oct 21, 2022 1:51 pm Long distance accidental landlording sucks.

It takes someone about 3.2 seconds to do something that will cost you more than you would lose by just pricing your house to sell.

F market value, price it to sell and go enjoy your new life.

+1

Thanks for doing the interview and appreciate you asking my questions. He definitely has a different opinion on bonds then many other bogleheads gurus. He said bonds are for money you need to spend in 2-5 years and he advocates looking at social security income and home equity when considering your stock allocation. For many with a traditional 60/40 portfolio that would mean they aren’t actually 60% stocks but are only effectively 15% stocks so he would recommend 100% stocks for many. I also appreciate his philosophical thoughts on looking for work you enjoy rather than trying to retire early. It is a sad commentary on the modern world that many seemingly high paid and successful professionals want to retire early (myself included) because...

Florida Orange wrote: ↑Thu Oct 20, 2022 4:31 pm

Wiggums wrote: ↑Thu Oct 20, 2022 12:04 pm

David Jay wrote: ↑Thu Oct 20, 2022 12:01 pm I would say that this is not the time to sell. The reason for the drop is that interest rates have increased. This means two things for bond funds:
1) You will receive more interest on your money, so that is a good thing
2) Your fund value has temporarily dropped. Because it is a short term fund, it will quickly recover the full value. This is temporary, but the additional interest that you will earn should be much longer lasting.

If you sell now, you will experience all the pain without any of the gain.

+1

+1

+1 YMMV but dare I say, I’d think about buying more. If I liked it in July 2021, I’d love it now.

All great suggestions/opinions above. I only have a few things to add.

1. You’re crushing it and have “won the game”.

2. No matter what any advisor would charge you, no one and I mean no one will care more about your money than you.

3. Tons of great free advice on these boards. They have no skin in your game and not out to make money off of you. Therefore sometimes painfully honest and direct. And that’s a good thing. You can take it or leave it but it’s there for you to think about.

Best of luck.

What is your view on retirement account withdrawal rates?

Is there one in your eyes that is the safest (to withstand longevity and sequence risk)?

Is the Trinity study still applicable?

barberakb wrote: ↑Fri Oct 07, 2022 4:24 pm

MrNister wrote: ↑Fri Oct 07, 2022 11:24 am You have to love the G Fund in times like these.

Yes, another reason I kept my TSP after leaving the service

+1

It’s the only reason I did and why I keep adding to it.

snackdog wrote: ↑Sun Oct 09, 2022 7:40 am You are a little behind on your savings, which I guess is to be expected given your marital split. I would save hard another five years and hope for the car market to cool down. Prices are still wildly inflated. Porsche prices are up nearly 20% in just a year.

+1

I would wait 5-7 years (save and invest like a madman in that time) and then see where you’re at and revisit this desire.

October 2022 - 4.0%

https://www.tspfolio.com/tspgfundinterestrate

Sorry, I can’t help you.

I haven’t logged into my account lately, nor do I want to.

Thanks OP for posting this topic. I am struggling with the same thing with the CA version of tax exempt bond fund, which I bought 9-10 yrs ago. This past weeks it has been hitting all times low day after day. I see people writing that “if you stay the course for the fund duration, the fund will recover.” But I bought this 10 yrs ago and it is doing worse than it has since I own it. How should one react to this situation? One thing is to look at the fund's total return, not just its current price. With bond funds in particular, focusing on price return alone is going to give you a skewed view of performance. A second reaction is to consider some alternatives. Assuming you have a 60/40 asset allocation, what would have happened if you chose ...

aristotelian wrote: ↑Tue Sep 27, 2022 6:11 am You spent $1000 on shares of BND yielding 2%, or $20/year. Now the value has dropped to $830 but it is yielding 4%, or $33 per year. Meanwhile, maturing bonds are returning principal to the fund. If you wait long enough, your total return will be the same as your initial return.

Other option is to buy $830 of Treasuries also yielding 4%. (Yet another option would be to tax loss harvest to a different bond fund). Either way you have bonds currently worth $830 yielding 4%.

There is no getting around it, you now have $830 worth of bonds yielding 4%. Personally, I would do the simple thing, which is to stick with your current investment and stay the course.

+1

strummer6969 wrote: ↑Tue Sep 27, 2022 6:44 am If you can find an asset that is impervious to a 0 to 400 basis point rate hike within a year, I'd love to know. Cash has been pretty good. I don't want to be holding it for too long though.

+1

Not to market time but eventually you have to start buying.

I would take whatever percentage your comfortable with.

Many questions to answer figuring out that answer. IE what do you want to leave as legacy money, how much do you need, etc.

Also IMHO, this is the perfect way to supplement the other legs of a retirement stool. If you have things like social security, a pension (especially COLAd), cash, etc., this will only be one leg. Volatility of withdrawals will have a minimal impact on the total overall picture. Plus, there are ways to damper that volatility. More cash, bonds (some years better than others), etc. Nothing says this has to be 100% stocks or anywhere even close to that.

cjg wrote: ↑Mon Sep 26, 2022 12:46 pm I just rebalanced into bonds.

I don't know for sure but I wouldn't be surprised if this is the peak for 5-10 year rates. (Wouldn't be surprised if it isn't either.) We'll probably see another federal funds rate hike but that's likely priced in. Inflation seems to be cooling with almost no inflation in July and August though two months of data points isn't really enough to indicate a longer trend.

+1

Everyones situation is different but I’m buying here. YMMV.

Jazztonight wrote: ↑Thu Sep 22, 2022 11:07 am You will survive this experience. Stay strong! You are not alone.

Please try to be aware of making mistakes other than financial ones. You may be in a fragile or vulnerable state for the next couple of years. (Been there, done that.) I survived, you will too!

Good luck to you and your daughter.

+1

Deleted.

rkhusky wrote: ↑Mon Sep 19, 2022 11:49 am TSP is using login.gov now. Perhaps you need to go there instead.

Are you sure? I think you’re referring to the new OPM (retiree) login.

sss2009 wrote: ↑Mon Sep 19, 2022 10:59 am Hello,

Has anyone knowledge how to change 2FA at the new TSP login. On their website is a link "change how to receive one time code". Clicking on this link lead to nowhere where one can change the 2FA.

I originally set up a cell phone and I want to change the number. I couldn't find a way...so I actually deteted my cellphone number from personal communication/information page, and yet they sent the code to my now deleted cell phone

How do I change the 2FA to email or voice etc

Thanks

SS

I would call them and ask. They’ve advertised their wait times for calls are less than the previously experienced 2 hours. Good luck.

fortfun wrote: ↑Mon Sep 19, 2022 11:09 am Advisor is charging 1% AUM. Claims these funds have tax and capital gains advantages that make them superior to low-fee index funds. Portfolio is aftertax and worth about 1.25M

Wow, just wow. That certainly is a portfolio. What are the tax and capital gains advantages?

What about saving the 1% management fee and the high expense ratios and go to the 2 or 3 fund portfolio?

I feel the headache easing now…

student wrote: ↑Fri Sep 16, 2022 3:41 pm You likely has agreed to this when signing your rental agreement. I think it may be tough to get out of it.

Trust me, it was buried in the rental car agreement you signed. Honestly, $10 a day is one of the smaller fees for this that I have seen. It could have been worse. It wouldn’t hurt to call the rental car company and tell them you were unaware of the fees and ask for a one time exception of all fees.

That said, how can these fees be avoided going forward? Next visit to Florida either program Google maps to only give you directions that use non toll roads or buy a SunPass via snail mail from home and bring it with you to use.

Please excuse my lack of knowledge regarding the G Fund. I hold some of it in my TSP and always understood it to track longer term bond rates - while at the same time being a guaranteed return, even if low. All that said, in an environment of raising interest rates, we can expect the G Fund to have increasing returns in the near and farther term as long as interest rates are rising? I hold some short term bond funds, so I see some increases there. I think the bottom line is you can't do better than TSP G fund for an asset of that class. As I understand it, it is: - cash like, offering 100% liquidity & the credit rating of the US Federal govt (ie the best) - because its interest rate is based on 4yr+ bonds, and the yield curve (maturity...

All that said, in an environment of raising interest rates, we can expect the G Fund to have increasing returns in the near and farther term as long as interest rates are rising? I hold some short term bond funds, so I see some increases there. Yes, G Fund is an ideal fixed income holding in a rising rate environment. Reason being, the interest rate is set using the weighted average of intermediate and longer term treasuries, but it has a 1 day maturity (like a money market fund). Therefore as rates rise, the interest rate paid by the G Fund will rise, but there will be no drop in value like there would be with a bond fund. G fund is Yielding north of 3% last time I looked … reason to keep money in tsp for sure I’d say. 3.375% for Septembe...

All that said, in an environment of raising interest rates, we can expect the G Fund to have increasing returns in the near and farther term as long as interest rates are rising? I hold some short term bond funds, so I see some increases there. Yes, G Fund is an ideal fixed income holding in a rising rate environment. Reason being, the interest rate is set using the weighted average of intermediate and longer term treasuries, but it has a 1 day maturity (like a money market fund). Therefore as rates rise, the interest rate paid by the G Fund will rise, but there will be no drop in value like there would be with a bond fund. G fund is Yielding north of 3% last time I looked … reason to keep money in tsp for sure I’d say. 3.375% for Septembe...

txaggie wrote: ↑Wed Sep 14, 2022 8:27 pm Dahlia45, thank you for the open invitation. Looking forward to attending and learning more.

+1

Just watched it with DW, and we both thought it was excellent. Each of the four individuals profiled is "coached" by noted financial bloggers, including Paula Pant, Mr. Money Moustache, and others, with their progress documented over a ~1 yr period. Although not strictly advocating a "Boglehead" philosophy, they did emphasize many "BH principles" including living below your means, building an emergency fund, and investing regularly into low cost index funds. Overall, this is a great documentary to watch with your 20-something (and older) kids, as a conversation starter. It would be interesting to see a follow-up documentary, in about 5 years, profiling those same participants to see how they've done. [Edited t...

I thought the documentary was very good. Especially informational for younger folks and or people that are dealing with a lot of debt.

Best quote of the movie…a millionaire is built $10 at a time.

In my opinion, there is nothing unethical in trying to renegotiate a contract, especially if relevant facts have surfaced. Of course, there’s nothing unethical about the seller telling you to go pound sand and fighting to enforce the contract. +1. A renegotiated agreement is not a broken agreement. I wonder how much earnest money we are talking about here. There is also the point that in most cases, the earnest money is on deposit with the realtor. The realtor and associated brokerage firm will never just pay that out to the seller, because they don't want to put themselves in the middle of a contract dispute. They'll demand either a court order or a release from the buyer in order to do so. (Yet another reason why these people are next to...

placeholder wrote: ↑Wed Aug 31, 2022 7:49 pm

SquawkIdent wrote: ↑Wed Aug 31, 2022 7:22 pm More important is just getting the account funded and eventually converted into that lovely Roth.

Agreed and some people think that if they can't convert then they can't contribute and things like that.

+1

I was in a similar situation previously until a fellow poster pointed that out to me. Grateful he did as I can still eventually convert soon as they are moving to a 401K next year.

Tough call.

Maybe I missed it but is this a single runway airport? Prevailing winds tell which way the planes will land. Are you on the more used side (if single runway)?

Quick story…in middle school I moved to a house that was pretty close to the railroad tracks. Very frequently used. I thought there is no way I could put up with that and sleeping was going to be an issue. By the fourth day/night the noise was never again a problem. My brain heard it but apparently got used to it.

Good luck with your decision.

placeholder wrote: ↑Wed Aug 31, 2022 5:10 pm

SquawkIdent wrote: ↑Wed Aug 31, 2022 8:36 am

placeholder wrote: ↑Wed Aug 31, 2022 1:14 am Remember that you can still make the after tax contributions even though conversion isn't advantageous at this time so if you put the tira holdings into bonds or something the growth won't be too much and you might be able to roll the pretax earnings over as well.

Not sure I agree with the bond or low growth statement though. Why not invest it in something similar to your Roth and just pay the taxes upon conversion? I’m not afraid of paying taxes on gains.

Assuming that some bonds need to be held then putting them there is an option but using it for stock funds is fine as well.

+1

More important is just getting the account funded and eventually converted into that lovely Roth.

placeholder wrote: ↑Wed Aug 31, 2022 1:14 am Remember that you can still make the after tax contributions even though conversion isn't advantageous at this time so if you put the tira holdings into bonds or something the growth won't be too much and you might be able to roll the pretax earnings over as well.

+1…kind of…

Contribute to the TIRA and then do the conversion to the Roth in the tax year you know by the end of the year all IRA’s (including the Simple) will have a zero balance.

Not sure I agree with the bond or low growth statement though. Why not invest it in something similar to your Roth and just pay the taxes upon conversion? I’m not afraid of paying taxes on gains.

YMMV…