Search found 63 matches

by ishkadetto
Fri Mar 20, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: I cant "Stay the Course" - Rebalance/IPS
Replies: 56
Views: 4500

Re: I cant "Stay the Course" - Rebalance/IPS

BTW you're only talking $70,000 of $1M. Meh. If the market went down another 50%!! it's only another $35k. And it's not like your total bond fund is going up. So The net loss is something less than that 35k. Go rebalance. This reframing was actually extremely helpful for me as I am in a similar men...
by ishkadetto
Mon Jan 27, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21152

Re: Total Stock Market Index - Section 199A dividends this year

Reporting in that Express1040.com handled the 199A reporting with no difficulty or confusion and automatically did the 8995 Form.
by ishkadetto
Fri Dec 27, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard voice verification setup not working
Replies: 0
Views: 224

Vanguard voice verification setup not working

I tried yesterday and today to set up voice verification on Vanguard, and what happens is: I get a call right away from "Private Number" then hear beep noise then the calls drops from they're end, then this cycle of calling and hanging up repeats 5 times total. Yesterday a few times a got a computer...
by ishkadetto
Wed Dec 25, 2019 10:01 pm
Forum: Personal Investments
Topic: Worth it to convert VLCAX to VV for the lower expense ratio?
Replies: 2
Views: 339

Worth it to convert VLCAX to VV for the lower expense ratio?

I have ended up after some tax loss harvesting last December with about $350k of VLCAX (Vanguard Large Cap). The ER is 0.05%. I currently have all mutual funds and no ETFs. I was wondering if it is a good idea to convert it to VV with an ER of 0.04%? I do not plan to purchase any new VLCAX so the fa...
by ishkadetto
Wed Aug 21, 2019 11:50 am
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 2926

Re: How much does your employer 401k plan charge?

Dumb question. I guess I should call Fidelity, and I will, but are any administration or other fees beyond ER located on monthly/periodic statements? The document that specified my plans administrative fees was called an "ERISA 404 Participant Fee Disclosure" where it specified the annual administr...
by ishkadetto
Tue Aug 20, 2019 12:13 am
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 2926

Re: How much does your employer 401k plan charge?

I work in a tiny company, just a handful who are in our 401k. The plan charges, on top of the individual ER's for each fund available, a 1.1% plan administration fee that blankets the whole thing. Is this high for a small company 401k plan? My spouse's plan charges 1.04% admin fee blanketing. They ...
by ishkadetto
Mon Aug 19, 2019 1:57 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

I agree that SEC yield is useful when comparing two funds. There are many other things to look at. A $500K investment in VWIUX actually paid out $1104 last month. The SEC Yield is 1.56%...that's $650 per month. Ah I see. I would calculate like this then? (again using tax rate 24% federal+9.3% state...
by ishkadetto
Mon Aug 19, 2019 1:05 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

ishkadetto, are you using the SEC yield to figure this? I would use the distribution yield as that's what you are actually being paid....but you probably already knew that. VWIUX paid 2.65% on August 1. What would be the advantage to using distribution yield? A quick Google search for "sec yield vs...
by ishkadetto
Sat Aug 17, 2019 11:59 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Given that tax rate, do you live in California? If so, you might want to put half your munis in Vanguard CA Long-Term Tax-Exempt, and half in Limited-Term Tax-Exempt. This would give you an overall intermediate-term duration, with only half your bonds in CA, but more than half your bond interest ex...
by ishkadetto
Sat Aug 17, 2019 11:46 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Confirm that you aren't also paying the 3.8% NIIT for federal income over $250k (MFJ). I do not think we pay NIIT. Our AGI was right at $200k last year (MFJ). IMHO, these minor differences are well within the normal relative fluctuations of these funds. Next week, the small advantage of VBTLX could...
by ishkadetto
Thu Aug 15, 2019 11:46 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Your calculation is an overestimate because you need to apply the state tax on both sides Ah ok let me try again :) If I do nothing, next year I will earn: 54000 [current value of VWIUX] * 1.42% [my after tax yield of VWIUX (1.57%*(1-.093)] = $767 If I switch to VBTLX I will earn: (54000-(3000 [cap...
by ishkadetto
Thu Aug 15, 2019 11:19 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Is this the correct calculation? 2.38*(100%-24%) = 1.81 Which means if the VWIUX was 1.81% or greater yield it would be better than VBTLX at 2.38%? (and currently VWIUX is yielding 1.57%, so that is not better) Also am I calculating this right: If I do nothing, next year I will earn: 54000 [current ...
by ishkadetto
Thu Aug 15, 2019 10:09 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 4236

Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?

Federal tax bracket: 24% State tax bracket: 9.3% VWIUX (Vanguard Intermediate Tax-Ex Muni): 1.57% SEC yield -> 2.13% tax effective yield VBTLX (Vanguard Total Bond): 2.38% SEC yield I got into VWIUX back at the end of 2018. My question is, at what point would it be best to switch from VWIUX to VBTLX...
by ishkadetto
Sat Aug 10, 2019 11:51 pm
Forum: Investing - Theory, News & General
Topic: Importing TSP data to Google sheets
Replies: 6
Views: 875

Re: Importing TSP data to Google sheets

Anyone else having issues again? I'm getting errors but this time the link is still good so I don't know how to fix it.
by ishkadetto
Fri May 17, 2019 9:51 pm
Forum: Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 11
Views: 2215

Re: keep the TSP or transfer to Schwab?

The current G Fund rate (May 2019) is 2.5%.
by ishkadetto
Sun Mar 31, 2019 11:41 am
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 4725

Re: Selling Series I Bonds

I did the same last year, sold all I bonds to simplify holdings. One less account to log into/check on/remember password for/deal with/for my spouse to deal with if anything were to happen to me. Bought Vanguard VWIUX as a replacement fund.

They will issue you a 1099.
by ishkadetto
Sat Mar 23, 2019 12:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628706

Re: U.S. stocks in free fall

tj wrote:
Fri Mar 22, 2019 10:45 pm
frugalecon wrote:
Fri Mar 22, 2019 3:24 pm
Always happy when this occurs on a payday, so my TSP contribution goes in at a lower price.
Your contributions go in on Friday? I thought mine do on Monday.
My TSP contribution goes in on Thursday.
by ishkadetto
Fri Mar 22, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 6273

Re: MMORPG games

Been playing the same MUD on and off for 20+ years :twisted: :D
by ishkadetto
Thu Mar 21, 2019 12:58 pm
Forum: Personal Investments
Topic: Order cancellation at Vanguard
Replies: 18
Views: 7930

Re: Order cancellation at Vanguard

I wanted to post my data point today in case it's helpful for anyone. I placed an order to exchange a fund into VFWAX when what I wanted was to exchange into VTWAX. Ooops! Within 15 minutes of making the error, I went to "order status" and clicked "cancel", and was given the message: "Your request t...
by ishkadetto
Tue Feb 19, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)
Replies: 3
Views: 469

Re: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)

In TurboTax, there is a box directly beneath the 1099-DIV ordinary dividends box that asks you for the amount of treasury dividends. If you enter an amount there, it will be substracted on your state tax return. Your reply did prompt me to go back one more time, and I DID find where it asks "Is thi...
by ishkadetto
Tue Feb 19, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)
Replies: 3
Views: 469

Re: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)

Which tax software do you use? In TurboTax, there is a box directly beneath the 1099-DIV ordinary dividends box that asks you for the amount of treasury dividends. If you enter an amount there, it will be substracted on your state tax return. Thank you for your reply! I am using Express1040, I thin...
by ishkadetto
Tue Feb 19, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)
Replies: 3
Views: 469

Schedule CA (540) - adjusting for Treasury MMF (VUSXX)

I just got finished doing my taxes using online software. Federally, it all seems to be just fine. My question is, when I get to the California part...It's probably just the software, but I can't figure out how to adjust for VUSXX and VMFXX dividend income on the state taxes. I may try to file using...
by ishkadetto
Sun Feb 17, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: Importing TSP data to Google sheets
Replies: 6
Views: 875

Re: Importing TSP data to Google sheets

This works for me (note: column "7" is the G fund). Change that one number as needed for the column of the fund you need.

=INDEX(ImportHtml("https://www.tsp.gov/InvestmentFunds/FundPerformance/index.html", "table", 2), 2, 7)

Hope this helps!
by ishkadetto
Tue Jan 22, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Too much CA SDI (state disability insurance) withheld?
Replies: 3
Views: 306

Too much CA SDI (state disability insurance) withheld?

My tax software warns that there may have had been much CA SDI withheld. CA State Disability Insurance (SDI) withholding rate is currently 1%. It looks like the amount that was withheld is 1% of the YTD gross pay number on the final paycheck of 2018. The number the software gives for what it thinks ...
by ishkadetto
Tue Jan 15, 2019 2:47 pm
Forum: Personal Investments
Topic: Treasury Money Market VUSXX
Replies: 4
Views: 889

Re: Treasury Money Market VUSXX

clcarter wrote:
Tue Jan 15, 2019 2:40 pm
Does anyone know what happens if a holding of Vanguard Treasury Money Market Fund (VUSXX) drops below $50,000? Is the fund sold, interest rate reduced, warning letter issued? Thanks
My VUSXX holding dropped below and has stayed below $50k since late October. So far nothing has happened.
by ishkadetto
Thu Dec 27, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee new HSA in 2019
Replies: 4
Views: 424

Re: Federal employee new HSA in 2019

Thank you grabiner!!!
by ishkadetto
Thu Dec 27, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee new HSA in 2019
Replies: 4
Views: 424

Federal employee new HSA in 2019

I am a new enrollee for GEHA HDHP for 2019, was sent a packet in the mail from HSA Bank and have everything set up online so know my account number and routing number. If I go into MyPay and click start new allotment for HSA, it says " This action will be reflected in your January 05, 2019 pay." Is ...
by ishkadetto
Tue Dec 18, 2018 4:38 pm
Forum: Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX or VFIAX
Replies: 6
Views: 1373

Re: Tax loss harvest VTSAX -> VLCAX or VFIAX

Well, I did it! VTSAX -> VLCAX today. And with the tiny drop in the market, I didn't even need to stress about the possibility of the share price going up in the time between hitting the exchange button and close price at the end of day :D
by ishkadetto
Tue Dec 18, 2018 12:55 pm
Forum: Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX or VFIAX
Replies: 6
Views: 1373

Tax loss harvest VTSAX -> VLCAX or VFIAX

Background: Currently sitting on ~$16k of losses in VTSAX (Vanguard Total US Stock Index), total position is ~$300k. In 24% fed tax bracket, 9.3% state. I have tax loss harvested in the past so I understand the mechanics, but when I did that it was with my international fund so I felt more.. indiffe...
by ishkadetto
Fri Nov 02, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 3181

Re: help this RN negotiate job change

Below the level of senior nurse executives, I've not seen nursing positions, particularly staff nurse positions, as being negotiable. They tend to be offered, "as is" and the few staff nurses who tried to "negotiate" were quickly labeled "difficult" and the hiring authority moved on. Can confirm. I...
by ishkadetto
Fri Oct 12, 2018 12:13 am
Forum: Personal Investments
Topic: TLH help needed - VTIAX and VBIAX
Replies: 3
Views: 457

Re: TLH help needed - VTIAX and VBIAX

InvestorNewbie2016 wrote:
Thu Oct 11, 2018 11:10 pm
Does it matter that the losses are short and not long term?
check out this thread, there's some good stuff: viewtopic.php?t=181781
by ishkadetto
Thu Oct 11, 2018 10:55 pm
Forum: Personal Investments
Topic: TLH help needed - VTIAX and VBIAX
Replies: 3
Views: 457

Re: TLH help needed - VTIAX and VBIAX

I have incurred some $2000 loss in VTIAX. Would like to exchange into a TLH partner. However, the last automated buy was yesterday. As long as I sell all the lots I have bought in the past 30 days, it should be okay, right? Thinking to buy VFWAX instead. Any better suggestions? Yes, sell any lots b...
by ishkadetto
Thu Oct 11, 2018 9:54 am
Forum: Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 49
Views: 5794

Re: anybody sell I Bonds to buy something else?

How does the G Fund protect against inflation? According to the wiki : TSP participants are offered inflation protection via the G Fund. As yields of nominal U.S. Treasury securities generally reflect expected inflation plus a real return component, if inflation increases or is expected to increase...
by ishkadetto
Wed Oct 10, 2018 12:32 pm
Forum: Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 49
Views: 5794

Re: anybody sell I Bonds to buy something else?

For the last few years, I've been buying my annual limit of I Bonds. I consider them a 2nd tier emergency fund; don't plan on really selling them unless absolutely necessary. I'm rethinking that approach, given the recent increases in interest rates. I could use those funds and very likely get bett...
by ishkadetto
Wed Oct 10, 2018 12:06 pm
Forum: Personal Investments
Topic: Can I avoid a wash sale by selling in Roth IRA first?
Replies: 2
Views: 342

Can I avoid a wash sale by selling in Roth IRA first?

Say you have shares of VTIAX in both taxable and in a Roth IRA and you purchased shares in both accounts within the past 30 days. If you exchange in the Roth IRA your entire amount of VTIAX for something else, then the next day sell the shares of VTIAX in taxable that are a loss (and additionally an...
by ishkadetto
Fri Sep 28, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 265
Views: 30757

Re: What is your overall portfolio weighted expense ratio

To calculate an overall weighted expense ratio, would one use the ERs from only stock and bond fund holdings, or stock, bond, and money market funds? (VMMXX Vanguard Prime Money Market = 0.16%, for example)?
by ishkadetto
Tue Sep 25, 2018 1:50 pm
Forum: Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 39
Views: 16593

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

Looks like VMFXX now meets the bar for CA, NJ et al, and would also be only partially taxable at the state level there. As far as I understand, it is fully taxable at the federal level for every state. https://advisors.vanguard.com/iwe/pdf/FASUSGO_012018.pdf Atleast that was true for 2017 tax year....
by ishkadetto
Sun Sep 23, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Difference between VUSUX & VLGSX?
Replies: 2
Views: 945

Difference between VUSUX & VLGSX?

A probably stupidly simple answer but I can't seem to figure this out... what are the differences between these two Vanguard funds, as they seem nearly exactly the same? Why buy one over the other?

VLGSX - Long-Term Treasury Index Fund Admiral Shares

VUSUX - Long-Term Treasury Fund Admiral Shares
by ishkadetto
Tue Sep 18, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 119
Views: 17178

Re: New era for TSP "I" Fund?

https://www.washingtonpost.com/politics/2018/09/18/tsp-lifecycle-funds-tilt-more-toward-stocks/ Another interesting takeaway from that article is: "effective in January the TSP will increase from 30 to 35 percent the portion of each fund’s stock portfolio that is invested in the international stock...
by ishkadetto
Mon Sep 17, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 889

Re: CP2000 - rollover Vanguard IRA to TSP

Yes, call the number on the CP2000 notice. Call them. It worked out well for me. I think the detail provided in your response is good. I just think you are dealing with someone is not one of the sharpest crayons in the box over at the IRS. This is where I think a phone call directly to the number p...
by ishkadetto
Sat Sep 15, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 889

Re: CP2000 - rollover Vanguard IRA to TSP

The 1040 Inst. clearly state that you should include an explanatory statement with your return when you roll over IRA money into a qualified plan. This is necessary because the IRS matching program for 1099R and 5498 forms will not work because a qualified plan (TSP) will NOT issue a 5498, so the I...
by ishkadetto
Sat Sep 15, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 889

Re: CP2000 - rollover Vanguard IRA to TSP

You may get a more well informed response if you can tell us exactly what they said in their response to you. Their response was simply another CP2000, nearly exactly the same as the first except for the update/change on the unrelated minor interest income issue. No description written out or anyth...
by ishkadetto
Sat Sep 15, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 889

Re: CP2000 - rollover Vanguard IRA to TSP

Does anyone have an opinion or experience if calling the IRS is worth it or if I should just reply via mail with the same documentation again? Or with a better explanation of what happened than I originally gave? I'm afraid that if I call and spend hours on hold they will just tell me they can't do ...
by ishkadetto
Sat Sep 15, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 889

Re: CP2000 - rollover Vanguard IRA to TSP

Did you provide a copy of the TSP statement that included the funds deposit that matched the rollover amount? I had a similar issue this year with a rollover from TIRA to 401k, and the 401k statement was the only thing I provided and they accepted that as enough evidence. I provided the TSP confirm...
by ishkadetto
Sat Sep 15, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: CP2000 - rollover Vanguard IRA to TSP
Replies: 11
Views: 889

CP2000 - rollover Vanguard IRA to TSP

I received a CP2000 two months ago saying I owed thousands in taxes due to "Retirement Income Taxable" from Vanguard. This was a direct rollover from Vanguard to my employer retirement plan (Thrift Savings Plan), so I shouldn't actually owe for this... right?? Well I replied immediately saying as mu...
by ishkadetto
Fri Aug 31, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: How a retirement plan chooses funds
Replies: 7
Views: 533

Re: How a retirement plan chooses funds

Conversely, if some funds have almost no one invested in them, then it is easy to ditch them. I'm curious.. how does that work, knowing which funds are being used by the employees? Does the 401k committee (or the individual business owner if there is no committee, as I think is the case for my spou...
by ishkadetto
Fri Aug 31, 2018 9:06 am
Forum: Personal Investments
Topic: help with picking 401k bond fund
Replies: 5
Views: 482

Re: help with picking 401k bond fund

Is the S&P 500 fund the lowest ER stock fund? Or balanced fund, like a target date fund? Hopefully, you are maxing an IRA before investing in taxable. JHBSX is on the risky side of the bond funds, with an average rating of BBB. You might want to mix in some VSGDX or dial down the stock allocation a...
by ishkadetto
Fri Aug 31, 2018 9:02 am
Forum: Personal Investments
Topic: help with picking 401k bond fund
Replies: 5
Views: 482

Re: help with picking 401k bond fund

i dont know if a short term bond fund can even overcome 1.1% ER. make sure you mention the words lawsuit to your HR......bleh. I know, the ER's are horrible :( They are the effective ER, for example John Hancock is charging 1.04% no matter what the fund and the Vanguard ST Federal fund is 0.10% = a...
by ishkadetto
Fri Aug 31, 2018 12:46 am
Forum: Personal Investments
Topic: help with picking 401k bond fund
Replies: 5
Views: 482

help with picking 401k bond fund

Just a simple quick question. If this was your 401k, which fund would you pick for bond allocation and why? Right now the 401k is all stock [500 Index Fund JFIVX with an ER of 1.08%] and I'm sitting on cash at the bank, so I think my goal should be to swap the 401k into bonds and buy stock in taxabl...
by ishkadetto
Tue Aug 21, 2018 1:22 pm
Forum: Personal Investments
Topic: High Tax Bracket Liquid Assets
Replies: 4
Views: 568

Re: High Tax Bracket Liquid Assets

marginal tax rate is 35% federal and about 10% state/city VMMXX - current yield 2.07% VMSXX - current yield 1.41% VYFXX (NY Muni) - current yield 1.41% Ally/other - current rate is 1.80% It seems by basic math that, given my high tax bracket, the muni funds seem much more high yield at this time. I...