Search found 1892 matches

by hoppy08520
Sat Oct 21, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 5272

Re: just hit the two comma club today...some thoughts

Wow, I just glanced at Mint and we (wife and I) just hit the 2-comma club too, including HE (~$250k). We were at $997K last week, now $1,003,000. I screen-shot it for a keepsake, knowing that it could drop a lot...

Congrats to all of us. We are around 7 years older than you.
by hoppy08520
Sat Oct 21, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 5272

Re: just hit the two comma club today...some thoughts

seligsoj wrote:
Sat Oct 21, 2017 4:32 pm
Leemiller wrote:
Fri Oct 20, 2017 6:33 pm
Congratulations! That kind of investment starts to do some heavy lifting for you!

Are you going to celebrate?
No celebrations yet. My husband joked that we should celebrate by splitting a Subway sandwich. :).
Bought with a coupon, I hope? ;-)
by hoppy08520
Sat Oct 21, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 73
Views: 8872

Re: new 401(k) limits announced

I always pick a percentage that will leave me pretty far ahead. My goal is for the maximum to automatically be achieved in the Fall (payroll stops at limit), with the remaining higher paychecks helping pay for Christmas gifts. :D Personally, I enjoy the end of year "boost". Just be aware that some ...
by hoppy08520
Sat Oct 21, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: Observation on Edward ones
Replies: 9
Views: 1514

Re: Observation on Edward ones

Edward Jones financial "advisors" are salespeople first, financial experts second. This article is a bit old, but it tells you all you need to know: Can Your Edward Jones Financial Advisor Really Serve Your Best Interests? -- The Motley Fool Also, who is the #1 Congressional opponent of the Departme...
by hoppy08520
Mon Oct 09, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 125
Views: 14662

Re: TSP to Vanguard?

The inability of non-spousal beneficiaries to roll TSP balance to an inherited IRA is IMO problematic. Indeed. I'm married and have a TSP account, and in my "if I die before you" instructions to wife, one of them is take the spousal TSP account she'll inherit upon my death and roll that over to an ...
by hoppy08520
Sun Oct 08, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Any advice on moving my company 401k?
Replies: 17
Views: 1536

Re: Any advice on moving my company 401k?

Archimedes, I commend you for your benevolence to your employees. Echoing some of the other replies, my company (~300 employees) has its 401(k) plan with TRP. We have TRP funds including the TDF funds at ~0.72% ER but we also have Fidelity index funds in the “premium” share class with ER for TSM at ...
by hoppy08520
Sat Oct 07, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1945

Re: Health Savings Account recommendation

I have BenefitWallet and I'm happy with it. It allows investments in the typical 3 fund portfolio with TSM being institutional and International and Bonds being Admiral class. $2.90 a month flat fee for investing. Same here, but I'm about 99% sure that BenefitWallet is only available through employ...
by hoppy08520
Wed Oct 04, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 125
Views: 14662

Re: TSP to Vanguard?

As someone who likes to keep my options open, I cannot imagine why you would close your TSP. It's not all or nothing - you don't have to keep all your money in the TSP. In spite of the various disadvantages of the TSP, there are many advantages including: ERISA plans could have better asset protect...
by hoppy08520
Tue Oct 03, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 125
Views: 14662

Re: TSP to Vanguard?

As someone who likes to keep my options open, I cannot imagine why you would close your TSP. It's not all or nothing - you don't have to keep all your money in the TSP. In spite of the various disadvantages of the TSP, there are many advantages including: ERISA plans Employer retirement plans like t...
by hoppy08520
Tue Sep 12, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Why doesn't my Vanguard 403(b) have a total stock index?
Replies: 9
Views: 720

Re: Why doesn't my Vanguard 403(b) have a total stock index?

My 401(k) is like this too except I have S&P 500 index and Extended Market index. The 401(k) I had before that had your mix. See https://www.bogleheads.org/wiki/Approximating_total_stock_market for recommended proportions. Although I wish my 401(k) had TSM, it's easy to just do the mix. I haven't ev...
by hoppy08520
Sun Sep 10, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Considering this HSA strategy
Replies: 17
Views: 2154

Re: Considering this HSA strategy

CodeMaster wrote:
Sun Sep 10, 2017 10:01 am
How do you invest into an HSA using a credit card? Dont they usually charge fees thus making points give less return?
I think the OP meant that he pays his medical bills with an ordinary credit card, so he gets points for that spending.
by hoppy08520
Sun Sep 10, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Considering this HSA strategy
Replies: 17
Views: 2154

Re: Considering this HSA strategy

Just started an HSA through my husband's employer and letting it build. What you ask here is the part I really dread. Where to put all this stuff in case you want to be reimbursed at a later date? Every year I may be dumping it in an envelope and into a safe deposit box...This record keeping is a f...
by hoppy08520
Sun Sep 10, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Considering this HSA strategy
Replies: 17
Views: 2154

Re: Considering this HSA strategy

I'm a little late to this thread, but to the OP, the "treat your HSA like another IRA" is a popular strategy here, although it's still very uncommon in the rest of the world. Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011 ‒ 2016: Statistics from the EB...
by hoppy08520
Fri Sep 01, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: BenefitWallet HSA Lowers Fund Expenses, adds Vanguard Institutional Shares
Replies: 2
Views: 330

Re: BenefitWallet HSA Lowers Fund Expenses, adds Vanguard Institutional Shares

As a BenefitWallet account holder, I was also happy to see this. I'll save $36 annually in lower expense ratio fees on my $27K account, which I hope to keep adding to. I have my entire HSA balance in TSM. Keep in mind that in addition to monthly fees to use the investment platform, BenefitWallet als...
by hoppy08520
Sat Aug 26, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Employer Paid Disability Insurance
Replies: 20
Views: 1297

Re: Risks of Employer Paid Disability Insurance

There's always risk when anything is linked to employment. This is why I got life insurance outside of work. Same with disability insurance, I got mine through IEEE. Would you be able to give us some idea of what your individual disability insurance costs? I'm someone else, but as a mid-40s male in...
by hoppy08520
Sat Aug 26, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3032

Re: Should I abandon airline credit cards for cash back?

I get the airline credit cards for the bonus sign-up miles but I only use them to buy flights so I get priority boarding (helpful to ensure I can find room in the overhead binds for my carry-on bag), free checked bag (although I rarely use it) and 2 miles per $1 spent on airfare for that carrier. I ...
by hoppy08520
Fri Jul 14, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2224

Re: Have you switched from Total International to Slice & Dice or vice versa?

I do 70% total international (VXUS), 20% small cap international (VSS), and 10% international REITs (VNQI). I'm doing almost the same, except my target percentages are 50/40/10. I did more of a SC tilt after being convinced that a smaller SC slice wouldn't make much of a difference, so I went just ...
by hoppy08520
Wed Jul 12, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 163
Views: 27414

Re: Best HSA (2017)

Instead of getting individual opinions, take a look at a comprehensive study that Morningstar published in June. You should find most of what you need there: http://corporate1.morningstar.com/ResearchLibrary/article/813893/2017-health-savings-account-landscape/ I've just quickly skimmed and it look...
by hoppy08520
Fri Jun 30, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Effect of bankruptcy on ira
Replies: 23
Views: 2157

Re: Effect of bankruptcy on ira

For what it's worth, there is a section in the Bogleheads wiki on this topic: Asset protection - Bogleheads I don't know how helpful this really is, but I followed the advice in that section to have separate IRAs for a IRA containing assets that I rolled over from a 401(k), and my contributory IRAs ...
by hoppy08520
Sat Apr 29, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 163
Views: 27414

Re: Best HSA (2017)

Just to share personal experience- Our megacorp is with mybenefitwallet. Megacorp pays the monthly fee ($2.90) and no additional user fees that we are aware of. I know mybenefitwallet has fees for individual accounts so I can't comment on that. After maintaining $1,000 in cash, we can invest in mut...
by hoppy08520
Tue Apr 25, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Portfolio growth - Edward Jones vs Vanguard Target 2045
Replies: 14
Views: 1992

Re: Portfolio growth - Edward Jones vs Vanguard Target 2045

Be sure to account for EJ advisor fees on top of the fund expense ratios. The fee is probably a percentage of assets under management (AUM) which is likely around 1%. EJ might even charge a "convenience fee" to reinvest dividends.
by hoppy08520
Mon Apr 24, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3989

Re: Software to track asset allocation (no tickers)

Wow, Googlefinance is game changing! Had no idea I could pull in the current prices to my existing Googlesheet. Yes, I love googlefinance too. I use it to return price (NAV), but also "expenseratio", the fund name ("name") plus various CAGR values: returnytd, return52, return156...
by hoppy08520
Sun Apr 23, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3989

Re: Software to track asset allocation (no tickers)

Well, that's frustrating when a CIT won't have a public page to output fund share prices. I googled around and could not find anything either. Many of the CIT's do have a page that will have daily share prices. I guess that just means you're going to need to manually update your spreadsheet from tim...
by hoppy08520
Sat Apr 22, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 12926

Re: Single most important investing advice?

For me, it was when I was 22 years old, in my first "real job" on Capitol Hill, and the director of the office told me when I started, "This is the form for the Thrift Savings Plan. Fill this out and make sure you save 5% of your salary, and they match you dollar for dollar. It's free...
by hoppy08520
Sat Apr 22, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Hardest invest Q of all [when to retire]
Replies: 14
Views: 2004

Re: Hardest invest Q of all

Maybe don't do it all at once? Can you shift to part-time work? Maybe shift to work you really enjoy (if you're not already there)? If you can earn enough to cover your expenses, and not eat into your saved principle, then that might make you feel more comfortable in this transition.
by hoppy08520
Sat Apr 22, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3989

Re: Software to track asset allocation (no tickers)

I manually enter prices If your fund has a webpage somewhere that lists the current share price, and the page is a public page that does not require a login, then in Google Sheets you can use the ImportHtml() or ImportXml() functions to scrape the price value from the HTML of the page, and put that...
by hoppy08520
Sat Mar 11, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Google Sheet Tip - calculating inflation-adjusted current dollar amounts for past years
Replies: 0
Views: 345

Google Sheet Tip - calculating inflation-adjusted current dollar amounts for past years

If you want to take a dollar amount from a past year and calculate its present-value amount, in a Google Sheet, here is how. I do this to look at my investment values in the past, and convert them to present-day numbers, for educational purposes. I also do this to look at my salary history, to compa...
by hoppy08520
Sun Dec 04, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should individual disability insurance complement group coverage?
Replies: 4
Views: 610

Re: Should individual disability insurance complement group coverage?

Hello, I acquired an individual disability insurance policy through Guardian a few years ago. I might not recall the details exactly, but I was told by my agent that Guardian and the other insurers won't provide coverage (individual + group) beyond maybe 90% (?) of your salary. This is because they ...
by hoppy08520
Sun Dec 04, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: How to darken type in firefox or chrome?
Replies: 27
Views: 2059

Re: How to darken type in firefox or chrome?

Chrome has a popular browser extension/plugin called High Contrast. The plugin has several options the simplest being enhanced contrast but you can also invert the contrast to give you white fonts on a black background. It's up to you. The extension was developed by Google itself. It's not perfect b...
by hoppy08520
Wed Sep 07, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Which HSAs will download investment info?
Replies: 4
Views: 661

Re: Which HSAs will download investment info?

Hello, I'm also a BenefitWallet participant through my employer plan. I'm also frustrated by the inability to download transactions from the investment platform (although you can download transactions from the "saving" HSA part) although it's not the worst thing in the world. It's very har...
by hoppy08520
Mon Jul 18, 2016 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Help, I'm stuck with John Hancock
Replies: 19
Views: 4223

Re: Help, I'm stuck with John Hancock

They also seem to be charging you a high additional house co-op fee, as the ER for JETSX is .56. Can you get JCAVX ? That particular 401(k) plan of the OP most likely is adding an additional 0.5% surcharge on top of the "base" expense ratio every fund. When I had a John Hancock plan it wa...
by hoppy08520
Sun Jul 17, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Help, I'm stuck with John Hancock
Replies: 19
Views: 4223

Re: Help, I'm stuck with John Hancock

I'm a little late to this thread, but better late than never. I once was a participant/victim in a 401(k) plan with John Hancock so I might be able to offer some advice. See John Hancock Funds - Bogleheads Wiki for more. I would pick the funds that complement your overall portfolio. Assuming that yo...
by hoppy08520
Sun May 08, 2016 3:45 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 9636

Re: How many funds in your portfolio?

I guess by your definition I'm at overkill stage with eight :-)

US
VTI
VBR
VNQ

International
VXUS
VSS
VNQI

Fixed income
BND and Thrift Savings Plan F Fund (same index)
TSP G Fund
by hoppy08520
Sat Feb 27, 2016 8:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond - worth another look after expense ratio reduction?
Replies: 4
Views: 1081

Vanguard Total International Bond - worth another look after expense ratio reduction?

The Vanguard Total International Bond Index Fund ( VTIBX / BNDX) has been discussed over and over, and I don't want anyone to have to regurgitate those past conversations in this thread. But here's a new wrinkle. A lot of the criticism/skepticism over this fund, and in international bond funds in ge...
by hoppy08520
Wed Feb 24, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - opposes Fiduciary rule for Financial Advisors
Replies: 17
Views: 2867

Dave Ramsey - opposes Fiduciary rule for Financial Advisors

Shocking. Dave Ramsey -- who profits from his referrals to non-fiduciary financial "advisors" -- opposes a fiduciary standard for these salespeople. Why Does Dave Ramsey Want To Stop You From Saving Money? - Huffington Post This Obama rule will kill the Middle Class and below ability to ac...
by hoppy08520
Sun Feb 21, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Accounts: Strategy for Isolating Tax-Exempt Contribution in a Roth IRA
Replies: 15
Views: 1099

Re: TSP Accounts: Strategy for Isolating Tax-Exempt Contribution in a Roth IRA

Wow. This is complicated. All that I will add is the following: If you do wind up withdrawing from your military TSP, I would direct the tax-exempt contributions to a new Roth IRA and title it "Rollover Roth IRA", and keep this separate from the Roth IRA that you already have. Do not add n...
by hoppy08520
Sun Feb 21, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing Out- Traditional or Roth 401K
Replies: 79
Views: 6096

Re: Maxing Out- Traditional or Roth 401K

Every time I read the Roth vs Traditional debate here, it turns into a calculus problem on how to maximize your outcome as though both outcomes (the Right Choice and the Wrong Choice) are equivalent to each other. But the various outcomes are not equivalent. The upsides and the downsides are very d...
by hoppy08520
Sun Feb 21, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Maxing Out- Traditional or Roth 401K
Replies: 79
Views: 6096

Re: Maxing Out- Traditional or Roth 401K

Every time I read the Roth vs Traditional debate here, it turns into a calculus problem on how to maximize your outcome as though both outcomes (the Right Choice and the Wrong Choice) are equivalent to each other. But the various outcomes are not equivalent. The upsides and the downsides are very di...
by hoppy08520
Sun May 03, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 3608

Re: Leaving our financial advisor over a period of months

Mintee wrote:In addition, we know some funds will have to be liquidated (Dimensional, etc.).

I've read somewhere that you might be able to keep your DFA funds even if you leave the advisor, although you won't be able to buy new shares. Just a thought. See:

http://www.bogleheads.org/forum/viewtopic.php?t=8598
by hoppy08520
Fri May 01, 2015 9:11 am
Forum: Investing - Help with Personal Investments
Topic: how to account for TSP G Fund in allocation
Replies: 18
Views: 1539

Re: how to account for TSP G Fund in allocation

In this example, I use cash as a proxy for the G Fund. I might not understand fully what you're trying to demonstrate, but how can you use cash as a proxy for G Fund? The G Fund has consistently increased. Here a chart from TSP: Annual Returns : https://www.tsp.gov/investmentfunds/fundsheets/fundPe...
by hoppy08520
Fri May 01, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 4542

Re: The Engineer's Guide to Investing

Two more thoughts. 1. Boom and bust. At least in tech, the industry is subject to boom and bust during recessionary times. Granted, every industry has that to some degree, but tech might be more vulnerable. I got into tech in the late 1990s and went through two busts, the 2002-era dot.com bust and l...
by hoppy08520
Fri May 01, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 4542

Re: The Engineer's Guide to Investing

A few more thoughts. Some of these might apply more broadly than just to engineers, but here goes: ⋅  As noted by Livesoft, it seems that a lot of startups and tech companies tend to have bad 401(k) plans. The bigger and more established the company, the better the likelihood of having a g...
by hoppy08520
Tue Apr 28, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 47
Views: 3917

Re: International Allocation in a 401k

PNW_Hunter I contribute 6% of my salary into it as a Roth contribution, and my employer matches .50 cents for every dollar, up to 6% total. Are you sure they match your Roth. Companies generally match pre-tax contributions, not the Roth 401K. Who pays the taxes on their match? The matching contribu...
by hoppy08520
Tue Apr 28, 2015 7:03 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 47
Views: 3917

Re: International Allocation in a 401k

Do not think of investing as a dart hitting the bulls eye on your dart board. Think more like grabbing a handful of spaghetti and meat balls and throwing it at the dart board. Stuff is going to go everywhere, but most of it will be on the dart board. That is close enough. Will someone alert Taylor ...
by hoppy08520
Mon Apr 27, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 22
Views: 3314

Re: How to best utilize TSP in retirement, particularly G Fu

If 30% of their retirement assets are in the TSP, and if they would like to be 50% stocks and 50% bonds overall, then it strikes me that this is a simple one: put the entire TSP into the G Fund. That covers 30% of the bond allocation. The remaining 20% of the bond allocation can be held in Vanguard....
by hoppy08520
Mon Apr 27, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Help with Investment - New to Investing
Replies: 3
Views: 708

Re: Help with Investment - New to Investing

Welcome to Bogleheads. A few thoughts: ⋅  The annual IRA contribution limit is $5,500 per individual, per year, at your age, but you wrote $11,000 for you and $11,000 for spouse. You might have meant to say $11,000 combined for you and spouse. ⋅  See After-tax 401(k) - Bogleheads...
by hoppy08520
Sun Apr 26, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 11
Views: 3266

Re: Retiring in two months - what to do with TSP?

In regards to the G Fund proposed changes, I believe you are referencing the wording found in the Concurrent Resolution on the Budget - Fiscal Year 2016 Align the G-Fund Investment Return with an Appropriate Risk Profile. The resolution assumes savings by correctly aligning the rate of return on U....
by hoppy08520
Sun Apr 26, 2015 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 11
Views: 3266

Re: Retiring in two months - what to do with TSP?

​​We are wondering what to do with my TSP. Originally I was thinking to leave it there in retirement, but have been reading that Congress is planning to reduce the rate of return on the G fund and have heard the Government is borrowing against the TSP. I would think long and hard before withdrawing...
by hoppy08520
Sat Apr 25, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: New to retirement planning - TSP and Roth IRA
Replies: 17
Views: 1483

Re: New to retirement planning - TSP and Roth IRA

Welcome to Bogleheads. If you can max the TSP and IRA then you should. The only question is whether you might direct some of those contributions toward the loans instead. Regarding asset allocation, be aware that L2050 is 85% stocks 15% bonds. If you want a 70/30 fund, then choose L2030 which is 65/...