Search found 67 matches

by AznSaver
Sun Dec 08, 2019 5:29 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Re: Swapping funds in tax-deffered/advantaged?

...I put in the annual max to both both accounts 50:50, tax bracket 22% Fed Are you sure you are allowed to deduct contributions to tIRA? Many people in your tax bracket cannot do this if they have a plan at work or are married to someone with a plan at work. There would be no reason to make contri...
by AznSaver
Sun Dec 08, 2019 4:55 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Re: Swapping funds in tax-deffered/advantaged?

My prediction: you will be allowed to purchase PRIMECAP, but will be limited to $25k per account per year. If they let you do more, please let me know, because that’s what we are limited to. I too am subjected to the $25k limit, I can definitely report back the results. I am thinking the same thing...
by AznSaver
Sun Dec 08, 2019 4:37 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Re: Swapping funds in tax-deffered/advantaged?

Awesome! If you are maxing all of those different products I would think there is a decent chance you make too much to contribute to a pre-tax tIRA and get the deduction, but perhaps you have a tIRA from a 401k roll-over, or I am just mistaken. For me I can only contribute to a Roth (some years onl...
by AznSaver
Sun Dec 08, 2019 3:56 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Re: Swapping funds in tax-deffered/advantaged?

All things being equal, I'd put the Primecap into Roth and the target fund into tIRA. However, I think Vanguard is going to see this as a sale and a purchase and you may not be able to purchase Primecap in your Roth IRA if you don't already have it there. You need to call them and find out before s...
by AznSaver
Sun Dec 08, 2019 3:45 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Re: Swapping funds in tax-deffered/advantaged?

If your tax-rate in retirement is the same as your marginal rate on the earnings used to contribute to the IRA, the only difference between this asset in a tIRA and a Roth is the potential RMD in the future. $1 in a Roth is worth more than $1 in a tIRA so it isn't a 1:1 comparison. Let's assume you...
by AznSaver
Sun Dec 08, 2019 3:31 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Re: Swapping funds in tax-deffered/advantaged?

Within an IRA of either kind it does not matter whether the account grows from an increase in price or distributions. You are onto something though with wanting the asset expected to grow more in the long-term to be in Roth, and the slower-growing one (i.e., the one with more bonds) to be in your t...
by AznSaver
Sun Dec 08, 2019 1:21 pm
Forum: Personal Investments
Topic: Swapping funds in tax-deffered/advantaged?
Replies: 16
Views: 410

Swapping funds in tax-deffered/advantaged?

I currently have both tIRA and Roth IRA accounts at Vanguard where I was thinking it would be more efficient to swap my holdings in the tIRA into the Roth. The primary fund in my tIRA is Vanguard PRIMECAP Admiral shares (VPMAX), I have liken this fund to a strong performing active S&P 500 fund. This...
by AznSaver
Sun Dec 08, 2019 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Help me pick a health plan (PPO vs EPO vs HDHP)
Replies: 13
Views: 703

Re: Help me pick a health plan (PPO vs EPO vs HDHP)

If unused wouldn't the HDHP be the cheapest? You get paid $224 annually to have the plan (Employer contribution - premium costs) Generally all health plans cover preventative care at no cost: annual exam/immunizations/routine labs based on age. So you can get your free basic care and still be ahead....
by AznSaver
Sun Dec 08, 2019 4:36 am
Forum: Personal Investments
Topic: REIT - ARR
Replies: 8
Views: 514

Re: REIT - ARR

Are REIT supposed to be for income and not growth and goes down in stock price over time? I been in ARR over 7 years and stock price has gone down over 60%. Yes the dividends are ok ,like 11%. But they have cut dividends more often than not. I calc my average annual rate of return to be something l...
by AznSaver
Sun Dec 08, 2019 4:05 am
Forum: Personal Investments
Topic: Tax deferred account too small
Replies: 13
Views: 1414

Re: Tax deferred account too small

Unfortunately beyond age based catch-up payments and spousal contributions there aren't any additional ways to create more tax-deffered space beyond 401k/IRA besides an HSA, which might not be available or applicable based on your personal situation. If an HSA is in the cards for you that's another ...
by AznSaver
Sun Dec 08, 2019 3:22 am
Forum: Personal Investments
Topic: Is Chase's Commission-free Trade Account Better than Vanguard Fund?
Replies: 6
Views: 435

Re: Is Chase's Commission-free Trade Account Better than Vanguard Fund?

Chase bank offers depositors an unlimited commission-free online brokerage account in stocks, ETFs, etc. So instead of say investing in a passively managed vanguard index fund, wouldnt it be cheaper to opt for a brokerage account where you can add the index commission-free ? I think their might be ...
by AznSaver
Sun Dec 08, 2019 3:08 am
Forum: Personal Investments
Topic: 2 Questions about Vanguard Funds
Replies: 3
Views: 460

Re: 2 Questions about Vanguard Funds

1. Pretty much, however the funds can have different share pricing as well as distributions (dividens/cap gains) depending on performance, some are $3k/$10k/$50k.

2. It can be sometimes deciphered based on the name and or the expense ratio... When searching their funds you can filter active/index.
by AznSaver
Sat Dec 07, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 27
Views: 1058

Re: Fed Employee Front Loading the TSP for 2020?

tj wrote:
Sat Dec 07, 2019 7:22 pm
retiredjg wrote:
Sat Dec 07, 2019 11:55 am
They may not let you defer as much as you would like.
I'm not sure why they wouldn't, I've had net paychecks under $100.
It's probably agency dependent, IRC my online self service-hr says the limit is like $18xx.00 a check is max for myself.
by AznSaver
Fri Dec 06, 2019 1:37 am
Forum: Personal Investments
Topic: Roth TSP or Traditional TSP
Replies: 12
Views: 644

Re: Roth TSP or Traditional TSP

Good evening, As far as I am aware of there isn't a way to convert traditional TSP contributions into the Roth Tsp. You can of course after separation do a withdrawal from the TSP transfer the funds to an IRA and then covert into a Roth. I would recommend a system of using both which I do myself, de...
by AznSaver
Wed Dec 04, 2019 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer Insurance
Replies: 35
Views: 1992

Re: Cancer Insurance

Cancer refers to "malignant tumor characterized by uncontrolled growth of malignant cells or invasion of tissue... The malignant tumor must be confirmed by a medical professional..." My .02 from an insurance background... Dread policies if poorly written/underwritten by the insurer can be a great b...
by AznSaver
Wed Dec 04, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: Using more than one brokerage
Replies: 32
Views: 1444

Re: Using more than one brokerage

OP: Is there any reason, besides the L33t H4ck0r, you would like to have another brokerage besides your current one with Vanguard? I would choose to have or not have another account based on the products and services that would be relevant to you? What is the goal or purpose of the 200k investment, ...
by AznSaver
Sun Dec 01, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Gizmodo Ring Doorbell Article - Is Nest (Google) any better or is this the world we live in?
Replies: 19
Views: 1105

Re: Gizmodo Ring Doorbell Article - Is Nest (Google) any better or is this the world we live in?

I am big fan of the Eufy products by Anker. They have released a doorbell with local storage and no subscription costs. https://www.amazon.com/Security-Doorbell-Resolution-Real-Time-Response/dp/B07R3WY95C?ref_=ast_sto_dp I currently have their Eufy-Cam security camera system and have enjoyed the sys...
by AznSaver
Sun Dec 01, 2019 2:42 pm
Forum: Investing - Theory, News & General
Topic: Dividend Investing?
Replies: 52
Views: 4585

Re: Dividend Investing?

It amazes me how biased many of the responses are. You do understand that the funds most BHs prefer pay dividends, don't you? Your criticisms apply to the BH approach as well. I think you are taking what is being said out of context. It's not that investing in funds with dividends is bad. It's wher...
by AznSaver
Sun Dec 01, 2019 1:41 pm
Forum: Personal Investments
Topic: Looking to invest into REIT's for my IRA
Replies: 4
Views: 322

Re: Looking to invest into REIT's for my IRA

The Vanguard option is clearly superior to the T.Rowe. (VGSLX is the only option as VGSIX is closed) VGSLX has a much lower ER, better performance history YTD and since inception, and higher distributions. I believe REITs aren't the typical Boglehead pick because of tax inefficiency and the lack of ...
by AznSaver
Sun Dec 01, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

Given that our most expensive prescription is an epi-pen... I also require an Epinephrine auto-injector (Epi-Pen), the time I found this out was bad $5k hospital bill, all costs were covered. However that was also the same day they released a few generics on the market. If you haven't been hitting ...
by AznSaver
Sun Dec 01, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

Pro -[...]$15 co-pays after deductible instead of percentage based co-insurance. Given that our most expensive prescription is an epi-pen at $500 if I can’t find a coupon, that works out to a $25 copay after the deductible under GEHA HDHP. Copay on the occasional amoxicillin is pennies. To me, it h...
by AznSaver
Sun Dec 01, 2019 3:09 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

I'm sticking my neck out to ask an ignorant question. Posters have discussed that a negative attribute of GEHA HDHP is that it disincentivizes people to seek out health care, even necessary health services. Does the disincentive lie only in the case where they have not yet met the $1500 upfront ded...
by AznSaver
Sun Dec 01, 2019 2:29 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

I thought of another possibility - with a regular FSA account, the cost of deductibles is reimbursed through many types of services, but with the HDHP, the cost of deductibles is only reimbursed via dental and vision expenses. (FSA LEX) and last time I checked those are minimal with the GEHA dental...
by AznSaver
Sun Dec 01, 2019 1:51 am
Forum: Personal Investments
Topic: HSA -- convince me why it's good/bad to invest in
Replies: 4
Views: 599

Re: HSA -- convince me why it's good/bad to invest in

While for most people I would agree that an HSA is advantageous it is also very person and plan specific. If you have ongoing medical issues that have moderate-high costs an HSA is properly never going to be the optimal choice in regards to cost. A few points to consider: What is the premium cost di...
by AznSaver
Tue Nov 26, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Advice on homeowner insurance on first home
Replies: 18
Views: 1384

Re: Advice on homeowner insurance on first home

All Insurance agents are paid on commission regardless of being an independent or captive (company specific). Rest assured in that the amount of commission gained per a home & auto policy won't influence the type of policy or coverages sold by most agents as it's typically very little, life insuranc...
by AznSaver
Mon Nov 25, 2019 11:35 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 6546

Re: Which funds do YOU have in your taxable account?

Fidelity
- O (Realty Income Corp.)
- FZROX (Fidelity ZERO Total Market Index Fund)

Vanguard
- VWAHX (Vanguard High-Yield Tax-Exempt Fund)

AA 90% Equities/ 10% Fixed Income
by AznSaver
Sat Nov 23, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: 3 stories, 2300 sq ft: Orbi RBK53S-100NAS vs Synology RT2600AC vs other?
Replies: 19
Views: 766

Re: 3 stories, 2300 sq ft: Orbi RBK53S-100NAS vs Synology RT2600AC vs other?

It might helped to know what specific product you are using for your modem+router combo as standards for both products have changed in recent years and it might help to determine a dual upgrade path. If the modem is a docsis 3.0/3.1 it should be fine, newer with more dl/up channels will provide bett...
by AznSaver
Thu Nov 21, 2019 8:38 pm
Forum: Personal Investments
Topic: Reasons to keep Etrade Acct?
Replies: 6
Views: 571

Re: Reasons to keep Etrade Acct?

Thanks everyone for the quick responses, I am a Federal employee and not self-employed, although I do have income through rental properties. I have always wished there was some way I could redirect some of the rental cash flow into a tax-advantaged account. The rental properties are setup under a fa...
by AznSaver
Thu Nov 21, 2019 7:35 pm
Forum: Personal Investments
Topic: Reasons to keep Etrade Acct?
Replies: 6
Views: 571

Reasons to keep Etrade Acct?

Quick question / maybe not so quick answer... I currently have brokerage accounts / IRA / Roth IRA with Fidelity, Vanguard and Etrade. In order to simplify things I was thinking of closing/consolidating my Etrade holdings in my Fidelity Accounts. Now that Fidelity does zero-commission equity trades ...
by AznSaver
Tue Nov 19, 2019 9:00 pm
Forum: Personal Investments
Topic: Tsp question
Replies: 6
Views: 445

Re: Tsp question

The TSP elective deferral contribution limit is $19,000 a year. It doesn't matter whether that is Roth, Traditional, or a mix the total amount including agency match is $19k. This doesn't include 50+ catch-ups or uniformed services bonus contribution. Your TSP election does not have any direct effec...
by AznSaver
Sun Nov 17, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

What scenarios are you envisioning the co-pays being cheaper than 5% coinsurance? I had to go to the emergency room in Hawaii and they charged $950 before any insurance company negotiated rate discounts. 5% of that would still be less than $50. Also, consider your exposure when you are out of netwo...
by AznSaver
Sun Nov 17, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

GEHA pays a lot more towards dental and vision, so I believe it's more cost efficient. Also no minimum to invest with HSA Bank/TDA In some respects I agree with that statement, on it's face value it is the most cost effective. The MHBP like most health plans has no coverage for vision/dental. The G...
by AznSaver
Sun Nov 17, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 108
Views: 8266

Re: FEHB Open Season 2019

Curious if anyone else here uses APWU. I've been very pleased over the last four years but rarely hear anyone who uses this plan. I use the MHBP (Mail handler benefits plan) it is an APWU plan but not THE APWU plan, plan id 48 vs 47. It's a very comparable plan to the one's mentioned, has pros & co...
by AznSaver
Thu Nov 14, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Gaming Desktop
Replies: 46
Views: 3198

Re: Gaming Desktop

Gaming PCs nowadays are the trending thing and most with their RGB goodness are costing quite a premium. I'm not sure of the quality you can get for $500 in this market nowadays. I do know that you probably won't get 8 years of gaming usage out of what you get in this range unless you stick to retro...
by AznSaver
Wed Nov 13, 2019 12:16 am
Forum: Personal Investments
Topic: Have a regular TSP, should I consider a Roth TSP?
Replies: 8
Views: 788

Re: Have a regular TSP, should I consider a Roth TSP?

IMHO, It might be too little too late to start a Roth TSP if you plan to retire in 2020. The total amount you can contribute to the plan would be $19500 + $6500 (If eligible for catch-up contributions.) How much of your contribution limit space do you have available, any amount put in your tradition...
by AznSaver
Mon Nov 11, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2334

Re: Tech guys need help with Mesh wifi booster...

To answer the OP's question, you do not need a new a modem/router. If you choose to use the provided hardware, when setting up your new router you would put the comcast one into bridge mode, aka modem only function. Failing to do that can lead to reduced performance, increased wifi interference, and...
by AznSaver
Sat Nov 09, 2019 12:00 am
Forum: Personal Investments
Topic: Umbrella Policy - when does it NOT cover something?
Replies: 25
Views: 2886

Re: Umbrella Policy - when does it NOT cover something?

Homeowner's insurance/along with a GLI (commercial general liability (Broad insurance liability coverage for businesses)) can cover for the stated instances of defamation: libel/slander through coverage of "personal injury". "Personal injury" in insurances terms isn't what people think it is... Tort...
by AznSaver
Thu Nov 07, 2019 10:49 pm
Forum: Personal Investments
Topic: TSP Allocation Review
Replies: 4
Views: 509

TSP Allocation Review

Good Evening Bogleheads, I'm a fairly new federal employee (5 years in - 2 years of service credit) and wanted to see what other's thought or recommend for my tsp allocation. The particulars 8% TSP + 5%match/ 2% ROTH TSP L 2050 10% G Fund 5% C Fund 65% S Fund 20% I'm 36, single homeowner w/no kiddos...
by AznSaver
Wed Nov 06, 2019 8:54 pm
Forum: Personal Investments
Topic: Whole life insurance. Dump it or other alternatives?
Replies: 21
Views: 1202

Re: Whole life insurance. Dump it or other alternatives?

I'm not trying to steal the OP's thread here, but 99% of the time, term life insurance is recommended whenever you need life insurance. Can anyone on this forum justify or give me reasons why or when someone would need to buy whole life insurance? I'm still having a hard time seeing the 1% of the f...
by AznSaver
Wed Nov 06, 2019 8:31 pm
Forum: Personal Investments
Topic: Whole life insurance. Dump it or other alternatives?
Replies: 21
Views: 1202

Re: Whole life insurance. Dump it or other alternatives?

I'm not trying to steal the OP's thread here, but 99% of the time, term life insurance is recommended whenever you need life insurance. Can anyone on this forum justify or give me reasons why or when someone would need to buy whole life insurance? I'm still having a hard time seeing the 1% of the f...
by AznSaver
Tue Nov 05, 2019 8:36 pm
Forum: Personal Investments
Topic: Whole life insurance. Dump it or other alternatives?
Replies: 21
Views: 1202

Re: Whole life insurance. Dump it or other alternatives?

My immediate and visceral response is to tell you to get rid of it ASAP, but... It's important to understand your situation to see the whole picture... What was the immediate need for having such a high premium policy? Do you still require life insurance? Are you of an age/health condition to find a...
by AznSaver
Sun Nov 03, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1067

Re: Portable Lantern

For camping, hunting and power outages I use one by UST called the 30 Day Duro.
It has a couple settings, throws out a ton of light and uses disposable batteries that can last 30 days on a set.

It's a reasonable $30ish and after your down keep it for power outages.
by AznSaver
Sun Nov 03, 2019 1:31 pm
Forum: Personal Investments
Topic: Monthly Dividends
Replies: 16
Views: 2217

Re: Monthly Dividends

Just moved my work 401K Roth to Schwab Roth IRA. I am investing in companies that pay monthly dividends. The best one is MAIN (.205 cents per share per month, plus December special dividend of .24 cents per share for a $43 stock; EPR (.375 cents per share per month for a $77 stock; LTC (.19 cents p...
by AznSaver
Sun Nov 03, 2019 12:15 pm
Forum: Personal Investments
Topic: HDHP/HSA vs. PPO - Second Opinion
Replies: 18
Views: 1181

Re: HSA vs. PPO - Second Opinion

Thank you for your reply. And yes, I went through and verified that the current doctor I go to is in-network with the HSA plan. On your point about HSA administrator, I read a lot of threads on the new Fidelity HSA plan with no fees/minimums. For simplicity sake, lets say I use my current HSA provi...
by AznSaver
Sun Nov 03, 2019 10:50 am
Forum: Personal Investments
Topic: HDHP/HSA vs. PPO - Second Opinion
Replies: 18
Views: 1181

Re: HSA vs. PPO - Second Opinion

The HSA looks good compared to the PPO option. With the $750 employer "passthrough" your net costs are around $400, it makes a ton of sense to go this route don't have any planned medical expense and you are able to fill up the HSA to cover any unexpected costs should they arise. If managing another...
by AznSaver
Sun Nov 03, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 816

Re: Networking Equipment Question

Mesh networking has come a long way, but the article is not about mesh networking per se. Consumer gear (like Netgear Orbi) is still built to a different standard and designed for a different kind of workload. It will work, but not as well, not as consistently, and almost certainly not as long. I'v...
by AznSaver
Sun Nov 03, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 816

Re: Networking Equipment Question

You're Welcome, It's nice to know that the ethernet backhaul was added in an update. Ethernet backhaul can be a big boost in performance and increases the available wifi bandwith by freeing up transmitting power and reducing network noise... If you are using a VOIP system you should strongly conside...
by AznSaver
Sat Nov 02, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 816

Re: Networking Equipment Question

You just need to plug the orbi satellite into the switch. As a side note you would want to the setup the Comcast Modem/router into bridge mode (acts only as a modem). No second router needed. Main connection : Internet --> Comcast Modem --> Orbi Base station + whatever items you wanted to plug into ...
by AznSaver
Sat Nov 02, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Marijuana & Term Life?
Replies: 15
Views: 1879

Re: Medical Marijuana & Term Life?

I sold insurance during the time in which Marijuana was transitioning to be legal and it's a simple answer but can be complicated depending on the company/application. First and foremost make sure you as the questions honestly, otherwise you can have the policy cancelled due to misrepresentation. Fo...
by AznSaver
Wed Oct 30, 2019 1:50 am
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4211

Re: California Fires: Landlord/Tenant Question

of course, PG&E says it ain't liable for mandatory blackouts due to winds. (Likely approved by the State politicos.) https://www.pge.com/includes/docs/pdfs/shared/customerservice/contact/claims/form_lossclaim.pdf I don't feel like looking much into the website to see their statement of liabilities ...