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by hoppy08520
Sun Aug 05, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 13
Views: 1102

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: 832

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: 5212

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: 1375

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: 447

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: 447

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: 7349

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: 957

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: 81
Views: 15752

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: 7349

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: 410

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: 839

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: 839

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: 839

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: 839

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: 839

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: 9026

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: 1082

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: 1082

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: 2184

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: 29071

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: 803

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: 803

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...
by hoppy08520
Tue Jan 02, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover - writing a HSA check from old custodian to new custodian?
Replies: 7
Views: 803

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

Hello, I searched the forums but couldn't figure out a precise answer. I have a HSA account with BenefitWallet and would like to do a rollover to my employer's new HSA, which is HSA Bank. For a trustee-to-trustee transfer, BenefitWallet charges a $25 fee, but they don't charge any fee for rollovers,...
by hoppy08520
Mon Jan 01, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: SALT Tax Deduction Max of $10K is NOT indexed to Inflation
Replies: 29
Views: 4807

Re: SALT Tax Deduction Max of $10K is NOT indexed to Inflation

Another flaw is that the $10k SALT cap is the same whether single or married. So, Congress basically instituted another marriage penalty.
by hoppy08520
Mon Jan 01, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for using TSP in Retirement
Replies: 6
Views: 1199

Re: Strategy for using TSP in Retirement

If expense ratios are a primary driver, depending upon fund selection both Schwab and Vanguard (with admiral account) are so close to the TSP, expenses should not be a primary reason. For example: C fund is .029%, Schwab .03% and Vanguard is .04%. The Schwab and Vanguard rations are for their S&P 5...
by hoppy08520
Sun Dec 24, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 60621

Re: Tax Bill Omnibus Thread

Glad I'm reading this thread. Like many people, I make various charitable donations that are be deductible. In 2017 and earlier, my spouse and I (MFJ) were itemizers, but starting with 2018, I forecast that we will be right on the edge of itemizing vs taking the almost-doubled standard deduction. T...
by hoppy08520
Thu Dec 21, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 60621

Re: Tax Bill Omnibus Thread

Glad I'm reading this thread. Like many people, I make various charitable donations that are be deductible. In 2017 and earlier, my spouse and I (MFJ) were itemizers, but starting with 2018, I forecast that we will be right on the edge of itemizing vs taking the almost-doubled standard deduction. Th...
by hoppy08520
Wed Dec 20, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42033

Re: Improving the TSP [for current participants]

It's really not that much advantages, and TSP benefits are oversold...So G fund/slightly better asset protection vs. massively better services at other locations and the advantage of consolidating my retirement accounts in one spot. It's an easy call for me after I retire. The G Fund and the asset ...
by hoppy08520
Tue Dec 19, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42033

Re: Improving the TSP [for current participants]

Latest TSP fact sheet on the TSP Modernization Act indicates they are going to add ability to specify split of Roth versus traditional on withdrawals. https://www.tsp.gov/PDF/formspubs/tspfs10.pdf That's good. Next, they just need to let you have different fund allocations for Roth and Traditional,...
by hoppy08520
Tue Dec 19, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Beneficiary IRA & Investing?
Replies: 18
Views: 1567

Re: Question about Beneficiary IRA & Investing?

My condolences on the death of your father, and I hope you continue to recover from your automobile crash. One thought is that as long as your income is low enough that you aren't paying income taxes, to withdraw as much as you can from your inherited IRA tax-free and re-invest in a Roth IRA. You ca...
by hoppy08520
Tue Dec 19, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Keep money in TSP or take it out and re-invest?
Replies: 11
Views: 1547

Re: Keep money in TSP or take it out and re-invest?

That said rolling the TSP money into an IRA can make sense because an IRA has better inheritance rules. There was a post a while back where someone had run into this situation with a TSP. 1) Father with a large TSP dies and his wife inherits it. 2) Wife leaves the money in the TSP in some sort of T...
by hoppy08520
Tue Dec 19, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Keep money in TSP or take it out and re-invest?
Replies: 11
Views: 1547

Re: Keep money in TSP or take it out and re-invest?

If you decide to transfer to Vanguard (or wherever), be smart and leave $1,000 in your TSP so you don’t close out your account irrevocably. One day in the future you may regret leaving the TSP, and if you keep your account open, you can always transfer eligible IRA funds back in. No downside at all ...
by hoppy08520
Sat Dec 09, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: TSP rollover to Vanguard IRA?
Replies: 11
Views: 2118

Re: TSP rollover to Vanguard IRA?

This Boglehead wiki page explains it: TSP estate planning - Bogleheads If you die first, then your wife can inherit your TSP (assuming she's the beneficiary) as a spousal TSP beneficiary participant. She can remain a TSP participant, but with less options than you had. At that point, when she dies, ...
by hoppy08520
Fri Dec 01, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: How your FA, insurance agent, your community reacts when you show your financial knowledge?
Replies: 39
Views: 5090

Re: How your FA, insurance agent, your community reacts when you show your financial knowledge?

I was talking with an insurance salesman and in the conversation I said something like “from an actuarial perspective” and he almost fainted. He said almost no client knows the a-word. I wound up buying DI insurance from him. He was good! I bet this was another perfectly chosen sales ploy. It certa...
by hoppy08520
Mon Nov 27, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan Modernization Act - Wiki updates needed
Replies: 3
Views: 851

Re: Thrift Savings Plan Modernization Act - Wiki updates needed

FYI to those of you following this. I believe the various TSP pages have been updated. When the actual changes to the TSP are in place (it could take some time), further updates will likely be needed depending on how much detail we want to add to the various pages.
by hoppy08520
Sun Nov 26, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: How your FA, insurance agent, your community reacts when you show your financial knowledge?
Replies: 39
Views: 5090

Re: How your FA, insurance agent, your community reacts when you show your financial knowledge?

I was talking with an insurance salesman and in the conversation I said something like “from an actuarial perspective” and he almost fainted. He said almost no client knows the a-word. I wound up buying DI insurance from him.
by hoppy08520
Sun Nov 26, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10860

Re: What did you do right?

I picked good parents. My father has a STEM Ph.D. My genes enabled me to succeed in our knowledge-based economy.

Also, invested in TSP (government 401(k)) in my first job at age 22, and have been saving ever since.
by hoppy08520
Thu Nov 23, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42033

Re: Improving the TSP [for current participants]

2. The inability to hold Roth TSP assets in different funds and in different proportions than regular TSP funds; and 3. The inability to withdraw regular TSP assets separately and in different proportions than Roth TSP funds. Like many on this board, I intend to hold my Roth assets for a longer per...
by hoppy08520
Mon Nov 20, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan Modernization Act - Wiki updates needed
Replies: 3
Views: 851

Re: Thrift Savings Plan Modernization Act - Wiki updates needed

If someone hasn't already done so, I can do it, but it will take a few days... We will need to leave some "pending" sort of language given that the new options aren't actually implemented and in place yet. Perhaps in the relevant sections of those pages, we will reference the fact that these changes...
by hoppy08520
Tue Nov 14, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2780

Re: IPHONE 8, X

I'm looking at the same decision. The 8 or the X. The 8 plus is too big so that's out. For me it basically comes down to the fact that the 8 has black friday deals so I can get a $250 GiftCard whereas the X doesn't seem to have any deals. I'll take over a $500 savings to have the 8 vs. the X Could ...
by hoppy08520
Tue Nov 14, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2780

Re: IPHONE 8, X

I'm looking at the same decision. The 8 or the X. The 8 plus is too big so that's out. For me it basically comes down to the fact that the 8 has black friday deals so I can get a $250 GiftCard whereas the X doesn't seem to have any deals. I'll take over a $500 savings to have the 8 vs. the X Could ...
by hoppy08520
Tue Nov 14, 2017 1:27 pm
Forum: Forum Issues and Administration
Topic: How to Follow a Post
Replies: 9
Views: 1265

Re: How to Follow a Post

Have you tried "subscribe topic"? It's one of the options within the "wrench" link.
by hoppy08520
Sun Nov 12, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 2275

Re: First "real" job with 401(k), HSA and higher income. Any advice?

lazylarry wrote:
Sat Nov 11, 2017 11:12 pm
-I assume you have read White coat investor. Particularly the disability section given surgery speciality.
+1

I was going to write the same thing. Caution: this is not cheap. You may think you’ll never need it, but many surgeons get a personal DI policy.

And congrats 🎉
by hoppy08520
Fri Nov 10, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question - reimbursing expenses from deceased spouse?
Replies: 6
Views: 498

Re: HSA question - reimbursing expenses from deceased spouse?

Thanks. That wording is here: The amount taxable to a beneficiary other than the estate is reduced by any qualified medical expenses for the decedent that are paid by the beneficiary within 1 year after the date of death. I took the above to be for non-spouse beneficiaries, because it's right after...
by hoppy08520
Fri Nov 10, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question - reimbursing expenses from deceased spouse?
Replies: 6
Views: 498

Re: HSA question - reimbursing expenses from deceased spouse?

Also in Pub 969 is If your spouse is the designated beneficiary of your HSA, it will be treated as your spouse's HSA after your death. There is also some wording near the quote above about paying decedent's expenses within one year. In short, it appears "yes, she'll be able to reimburse for [your] ...
by hoppy08520
Fri Nov 10, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question - reimbursing expenses from deceased spouse?
Replies: 6
Views: 498

HSA question - reimbursing expenses from deceased spouse?

Hello, I've struggled to find the answer to this with Google but all I could find is this PDF and I don't know if it's authoritative or not: Health-Savings-Accounts-HSAs-Distribution-Rules-10-16-15.pdf Suppose John and Jane are married and are covered by a HDHP and they file MFJ (if that matters). J...
by hoppy08520
Thu Nov 09, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Having second thoughts about building up hsa
Replies: 17
Views: 1842

Re: Having second thoughts about building up hsa

3. In case of surviving spouse not being able to locate past receipts, default to #2. One question on this, that I could not find on google. Suppose Jim and Jane are married. HSA is in Jim's name. Jim dies and Jane is the HSA beneficiary so it becomes her HSA. I assume that Jane can reimburse for p...
by hoppy08520
Wed Nov 08, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6010

Re: Poll-How much do you have in your HSA?

Artsdoctor wrote:
Tue Nov 07, 2017 7:44 pm
Mine since 2005, spouse since 2008. Combined balance is about $135K.
Nice! I think you're in first place so far, which is quite an achievement on this forum. :sharebeer