Search found 1988 matches

by hoppy08520
Thu Nov 15, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 246
Views: 16060

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I've got an employer HSA at Fidelity and there are no fees/minimums or cash requirement. I've got the entire balance in FZROX. Hopefully the individual HSAs are similar. I don’t know about Fidelity, but in general, HSA’s often provide discounted or no fees for employer-based plans, or your employer...
by hoppy08520
Fri Oct 26, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8600

Re: To those who avoid FICA with HSA payroll contributions

grabinger, thank you so much. If only you work, you are above the second bend point but your spouse will get half your benefit while you are alive and all of it after your death, so again you would be better off with payroll deduction. This is correct today, although my wife will probably start work...
by hoppy08520
Thu Oct 25, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8600

Re: To those who avoid FICA with HSA payroll contributions

Hello, bumping this thread. Reading about all the breakeven points and bend bend points is giving me a bit of a headache :confused Is there a good rule of thumb that helps you determine if you should do HSA contributions through payroll to get the FICA reduction (but lower future Social Security ben...
by hoppy08520
Tue Oct 16, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Timing Risk
Replies: 6
Views: 318

Re: Rollover Timing Risk

Prior to the rollover, can you rebalance all of your various accounts such that you maintain your overall asset allocation across your entire portfolio, but have your 401(k) account be 100% bonds? Then do your rollover. The only part of your portfolio that will be out of the market during the rollov...
by hoppy08520
Wed Oct 10, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3559

Re: 5 ways target-date funds let investors down

Didn't read article but just off the top of my head: (1) Can't utilize placement of assets based on tax efficiency across all accounts (bonds in tax advantaged accounts only for example); moreoever, (1B) some people can genuinely withstand 100/0 AA in the beginning. 10% bonds at the beginning of th...
by hoppy08520
Wed Oct 10, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Airline vs. non-airline travel card
Replies: 10
Views: 895

Re: Airline vs. non-airline travel card

I travel sorta regularly for business and pleasure, and I frequently use United or American. I have both of their credit cards and to me it's worth it for the earlier boarding group and waiving of baggage fees which normally is $25/bag (although I rarely need to check a bag), plus I get two lounge a...
by hoppy08520
Tue Oct 09, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Rolling INTO TSP? [Thrift Savings Plan]
Replies: 12
Views: 1189

Re: Rolling INTO TSP? [Thrift Savings Plan]

By all means transfer your IRA to TSP. I did it earlier this year. It takes about 10 days to see the transfer online after submitting the forms so don't despair. One tip - when your rollover arrives in the TSP, the TSP will allocate it using your account's "Contribution Allocations" settings back w...
by hoppy08520
Mon Oct 08, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Rolling INTO TSP? [Thrift Savings Plan]
Replies: 12
Views: 1189

Re: Rolling INTO TSP? [Thrift Savings Plan]

How can one quantify the difference between the TSP G Fund and a plain vanilla bond fund? Can it be quantified in basis points per year? I don't know how to answer your specific question, but there was a looong thread on the TSP G Fund earlier this year that might interest you: TSP bonds? - Boglehe...
by hoppy08520
Sat Sep 29, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Moving rollover IRA into traditional IRA
Replies: 8
Views: 740

Re: Moving rollover IRA into traditional IRA

Read “asset protection” in Bogleheads wiki. An IRA from a rollover may have more legal protection than an ordinary contributory IRA.
by hoppy08520
Fri Sep 28, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 25
Views: 2591

Re: Any reason to leave the 401(k) with previous employer open

A number or people have mentioned the asset protection characteristics of a 401(k) compared to an IRA. Here's some more information on this from the Bogleheads wiki: Asset protection . Be aware of this: A solo 401(k) plan offers some level of asset protection but not to the same degree as a standard...
by hoppy08520
Tue Sep 25, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Re: Employer says no to relocation as employee, should I offer to be contractor?

2) Why do you need to officially relocate to Vermont? You could telecommute from Vermont but keep your official office at your current location. KlangFool, thanks, but I'm not sure what you mean. Currenty, I live in VA and my company office is in VA. If I move to Vermont and become a resident there...
by hoppy08520
Tue Sep 25, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Re: Employer says no to relocation as employee, should I offer to be contractor?

Do they have an office in New Hampshire or Massachusetts? You could work out of one of those offices and be a lot closer to family. Thanks for the tip. I really want to be in Vermont (Burlington area, Chittendon County) but this thread is making me consider living on the other side of Lake Champlai...
by hoppy08520
Tue Sep 25, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Re: Employer says no to relocation as employee, should I offer to be contractor?

2) Why do you need to officially relocate to Vermont? You could telecommute from Vermont but keep your official office at your current location. KlangFool, thanks, but I'm not sure what you mean. Currenty, I live in VA and my company office is in VA. If I move to Vermont and become a resident there...
by hoppy08520
Tue Sep 25, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Re: Employer says no to relocation as employee, should I offer to be contractor?

OP, 1) If you want a better answer, you should provide information as to A) Which state do you want to move to? B) What are the neighboring states that your employer has an office in? Depending on the state in (A) and (B), you might be able to officially move into a physical office at (B) but never...
by hoppy08520
Tue Sep 25, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Re: Employer says no to relocation as employee, should I offer to be contractor?

Thank you for the replies, I appreciate it. As far as gotchas, if you are working permanent full time for only one company, the IRS may get in their face and say that's an employee rather than a contractor relationship. Ah, good point. Talking with my dad, he said something about this. I read more a...
by hoppy08520
Tue Sep 25, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Re: Employer says no to relocation as employee, should I offer to be contractor?

Offering to be a contractor (and asking for increases in compensation) is not going to resolve the issue. For all intents and purposes being a 1099 still creates all of the same issues as a W2 for the company. As soon as the company establishes a nexus in a state (by opening an office / having empl...
by hoppy08520
Tue Sep 25, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1765

Employer says no to relocation as employee, should I offer to be contractor?

Hello Bogleheads, I'm writing to see if you have any advice on my situation. Thank you for any insights you may have. I work for a ~1,500 employee tech company with US headquarters and offices in at least 10 US states plus at least 3 countries. I work in one of the company offices and live nearby. I...
by hoppy08520
Fri Sep 14, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging investments in 401K
Replies: 6
Views: 564

Re: Exchanging investments in 401K

Expense ratios are built into the net fund returns, so what you're asking doesn't really apply.
by hoppy08520
Sun Sep 09, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: How Edward Jones gets compensated
Replies: 7
Views: 1447

Re: How Edward Jones gets compensated

Kevin8696 wrote:
Sun Sep 09, 2018 12:13 pm
I believe it was Henny Youngman that said, "My investments put 2 kids through college... my broker's kids !! "
LOL! I knew I had heard something like that when I posted that review. For the EJ guy, it was 4 kids.
by hoppy08520
Sun Sep 09, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: How Edward Jones gets compensated
Replies: 7
Views: 1447

Re: How Edward Jones gets compensated

More from the mouth of the horse: Here's all you need to know about Edward Jones. Their top-rated employee review at Glassdoor.com, a website where employees rate employers, is this happy chap: Review Title: I pinch myself! Pros The second best decision of my life was saying yes to the EDJ opportuni...
by hoppy08520
Sun Sep 09, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: How Edward Jones gets compensated
Replies: 7
Views: 1447

Re: How Edward Jones gets compensated

Jones did not post that information just to be nice. They were forced to publish this as part of a settlement with the SEC back in 2004 along with a $75 million fine for failing to disclose to consumers how they are compensated.
by hoppy08520
Sun Sep 02, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: small amount in tsp
Replies: 20
Views: 1521

Re: small amount in tsp

Keep it. No harm to keeping it, but you may regret it one day if you close your account. You can roll over other IRAs and 401(k) accounts into your TSP. Listen to what this guy (who doesn't have a TSP account) wrote in another thread: Man it makes me so frustrated when I see that the G fund is yield...
by hoppy08520
Sun Sep 02, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: German B&M Non-Blinking vs. Blinking Bike Tail Lights
Replies: 20
Views: 1269

Re: German B&M Non-Blinking vs. Blinking Bike Tail Lights

Your thread title is "non-blinking vs blinking", but it doesn't have to be either-or. I have both. I'm a year-round bike commuter. I have a dynamo headlight and taillight, both solid beam, as I believe all dynamo lights are. Same model taillight as you. I also have a headlight and taillight mounted ...
by hoppy08520
Mon Aug 27, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 74
Views: 8554

Re: TSP G fund as only bond fund

Just wanted to bump this post and am curious to see if any of those who had posted on this previously have differing opinions on utilizing the G Fund as their sole bond fund given the rising interest rate environment we look to be in for the near term. As always, the F fund represents purchasing un...
by hoppy08520
Mon Aug 27, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 74
Views: 8554

Re: TSP G fund as only bond fund

I use this fund and my opinion is that it is an excellent fund to use as one’s sole bond holding. I don’t however because I can’t—out of military so can’t contribute to TSP anymore. You might already know this, but if you have traditional IRAs or traditional 401(k) accounts (for a former employer),...
by hoppy08520
Mon Aug 27, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 74
Views: 8554

Re: TSP G fund as only bond fund

I use this fund and my opinion is that it is an excellent fund to use as one’s sole bond holding. I don’t however because I can’t—out of military so can’t contribute to TSP anymore. You might already know this, but if you have traditional IRAs or traditional 401(k) accounts (for a former employer),...
by hoppy08520
Sun Aug 05, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 25
Views: 2312

Re: HSA Rollover

See wiki, look in Transfer/Rollover section:

https://www.bogleheads.org/wiki/Health_savings_account
by hoppy08520
Fri Jun 22, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need some math help with Solin based portfolio
Replies: 9
Views: 894

Re: Need some math help with Solin based portfolio

Technically you can't condense portfolio 2 into portfolio 3 without losing some of portfolio 2's tilts to mid-blend. According to Approximating total stock market - Bogleheads , TSM is 81% S&P 500, 4% mid-cap, 15% small cap. Portfolio 2 makes these ratios 50% / 33% / 17% (exclusive of the two value ...
by hoppy08520
Fri Jun 22, 2018 6:32 am
Forum: Investing - Help with Personal Investments
Topic: TSP advice needed!
Replies: 21
Views: 5406

Re: TSP advice needed!

bgyt wrote:
Thu Jun 21, 2018 8:21 pm
Why G fund over F?
Good morning. Not sure if you’re aware of this but you just bumped a 5-year-old thread :wink:

Here’s a more recent and very spirited thread on the G Fund and F Fund:

TSP Bonds
by hoppy08520
Sat Apr 28, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Four Noble Truths, investment version
Replies: 9
Views: 1465

Re: Four Noble Truths, investment version

Very nice :-)

Could you please follow this with the investor version of the eightfold path? ;-)
by hoppy08520
Wed Apr 11, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 529

Re: Deciphering asset allocation of TSP

So that pie chart is essentially telling me what the current AA is of my entire balance of funds in the 2050? Exactly :) To elaborate, suppose you have $10,000 today in the L2050. According to the TSP, as of now, the funds allocations are: G: 11.42% F: 6.33% etc. Source: TSP: Lifecycle Funds Theref...
by hoppy08520
Wed Apr 11, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 529

Re: Deciphering asset allocation of TSP

I think you answered your own question. If you look at your historical contributions, it's just going to say that you contributed $xxx.xx on mm/dd/yyyy to the L2050 fund. It won't break it out for you by asset class. If you want to break it out by sub-fund, you'll need to do the math somehow. Fortun...
by hoppy08520
Tue Mar 20, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 7923

Re: TSP bonds?

Is this a TSP rule that's worse, or a rule that applies to most or all workplace plans like some 401-K's that also allow spouses to retain beneficiary accounts? I am not a tax guru but I am pretty sure that it is just the TSP. I found this link about it. https://www.fidelity.com/viewpoints/personal...
by hoppy08520
Tue Mar 13, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: International completion index for EAFE
Replies: 8
Views: 1027

Re: International completion index for EAFE

There is a wiki page that talks about how to complement a EAFE fund with other funds to create a total international market allocation:

Approximating total international stock market - Bogleheads
by hoppy08520
Tue Mar 13, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 83
Views: 18560

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I have HSA Bank + Ameritrade. I have to say that I find the Ameritrade website incredibly cluttered and confusing. The hassle of transferring money from HSA to Ameritrade, and then playing around on the Ameritrade site, has been a disincentive for me to really get on top of my investments in my HSA...
by hoppy08520
Mon Mar 12, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 7923

Re: TSP bonds?

be cognizant of the fact that the "free lunch" may not last. cutting the yield on the G-Fund is a favorite bromide of certain "think tanks" for shrinking the deficit. There are proposals to have its yield lowered to be comparable to that of short term treasury bonds (right now that would be ~1.5% v...
by hoppy08520
Sat Feb 17, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tips for closing out BenefitWallet HSA via direct rollover to new HSA
Replies: 0
Views: 676

Tips for closing out BenefitWallet HSA via direct rollover to new HSA

After my employer switched from BenefitWallet HSA to HSA Bank, I transferred from BenefitWallet to HSA Bank. It was a bit of a pain, and it was difficult to get any knowledgable and consistent guidance from BenefitWallet, so I thought I would outline the steps if anyone else wants to do this. From e...
by hoppy08520
Tue Feb 13, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 1015

Re: First timer with ETFs through HSA - not sure what to do

Thanks for your help everyone, I think I get the idea now. I did a couple of 1-share commission-free trades with SPTM (SPDR Portfolio Total Stock Market ETF), using the "Limit" option, entering what was the current Ask amount as my Price, and it processed quickly. The bid/ask spread was only $0.01 s...
by hoppy08520
Tue Feb 13, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 1015

Re: First timer with ETFs - not sure what to do

I have set up the "auto sweep" feature to sweep any excess (in $25 intervals) from the HSA Savings account into my SDBA at TDA, so when I get paid twice per month, my employer sends my contributions directly to HSA Bank, and then HSA Bank will auto-sweep to the SDBA. Thanks for posting this. I've b...
by hoppy08520
Mon Feb 12, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 1015

Re: First timer with ETFs - not sure what to do

Thanks Livesoft, I appreciate it. I was planning to do a blend of VT (Vanguard Total World Stock) and BND (Total Bond) with the $35K, so that would be two trades. I also will set up recurring contributions with regular payroll contributions to my HSA; for these, I would use a SPDR total market fund ...
by hoppy08520
Mon Feb 12, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 1015

Re: First timer with ETFs - not sure what to do

I would stop and do nothing until you understand the differences between Mutual Funds and ETF. Did the flashy name Exchange Traded Fund catch your eye? More "Trading" with ETFs? Mutual Funds work great for buy and hold investing. Buy more of the few things you need rather than something else. Thank...
by hoppy08520
Mon Feb 12, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 1015

First timer with ETFs through HSA - not sure what to do

I've been investing for 25 years with mutual funds but now I have a TD Ameritrade account with HSA Bank, my new HSA through my employer. I have around $35K in the HSA that I can invest, which is rolled over from my former HSA mutual funds. I was about to place my first ever ETF trade this morning an...
by hoppy08520
Sat Jan 20, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9660

Re: Short Commute or Nicer House?

I read your post right before leaving work, and thought about it for a bit during my 6 mile bicycle ride home. As I sped past all the grumpy drivers stuck in their smoggy metal tombs, rolling along to their distant big homes many miles away, I felt grateful that I am able to bike to work, just as I ...
by hoppy08520
Thu Jan 18, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation with TSP G/F Funds
Replies: 10
Views: 1213

Re: Bond Allocation with TSP G/F Funds

Here are the allocations of the L funds, if you want to use them as a guideline. https://www.tsp.gov/PDF/formspubs/FundsL.pdf They tend to invest 5-6% in the F fund and the rest of the fixed income in the G fund. Here's a graphical representation of this: TSP Lifecycle funds - Bogleheads On this wi...
by hoppy08520
Tue Jan 16, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation with TSP G/F Funds
Replies: 10
Views: 1213

Re: Bond Allocation with TSP G/F Funds

FWIW, I'm doing close to the same. My overall AA is around 67/33 stock/bonds. TSP is around 15% of total portfolio, and is 100% in G Fund. In my other accounts, I have TBM filling out the rest of the bond allocation. I'd prefer to have more of a 50/50 ratio of G Fund to TBM... maybe I'll roll some m...
by hoppy08520
Sun Jan 07, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 2306

Re: Muir Woods (California) requires reservations.

I went to Muir Woods 20 years ago and loved it. I went back on a Saturday in July and, sadly, it was hard to enjoy because it was so overrun with people and tour buses. Loud people who were just babbling even in the sections that are supposed to be quiet. They might as well just have gone through a ...
by hoppy08520
Thu Jan 04, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 30071

Re: Hitting The Sell Button

Over the course of the bull market that began in 2009, I have gradually shifted my AA from around 80/20 to 67/33. I also gradually shifted from a 70/30 US/International stock allocation to 60/40. That's only a 13 percent shift from stocks to bonds, and I've gotten around 9 years older in that time, ...
by hoppy08520
Thu Jan 04, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover - writing a HSA check from old custodian to new custodian?
Replies: 7
Views: 902

Re: HSA Rollover - writing a HSA check from old custodian to new custodian?

To proceed with this method, I need to "request a reimbursement" through my HSA to have the funds transferred to my checking account. "Request a reimbursement" is the terminology used on their website. Will this create any anomalies for tax reporting next year? This HSA doesn't know that I'm rollin...
by hoppy08520
Tue Jan 02, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover - writing a HSA check from old custodian to new custodian?
Replies: 7
Views: 902

Re: HSA Rollover - writing a HSA check from old custodian to new custodian?

Thank you, aristotelian. I am curious, not to derail the thread but what is the difference between a "rollover" and "trustee to trustee transfer"? Why would they charge for one and not the other? I don't really know why, but this seems to be common for the outgoing HSA to charge for an outgoing trus...