Search found 94 matches

by Ignis
Tue Jan 02, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: milestone post
Replies: 13
Views: 1575

Re: milestone post

Congrats. We hit $250k in investments recently. Kinda neat to say we have a “quarter mil” in investments (we don’t share that with anyone). Looking forward to the next quarter mil. :mrgreen:
by Ignis
Mon Jan 01, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 752
Views: 219635

Re: Share your net worth progression

Thought I had replied to this previously, but apparently not.. Numbers are as of 12/31 each year, and rounded to nearest thousand. House/mortgage/auto loans (when applicable) are included. I don't include the value of vehicles and other tangible items. 2011: -$15,000 2012: $24,000 2013: $104,000 201...
by Ignis
Fri Dec 15, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 13065

Re: How much did you contribute to your 401k in 2017?

Age: 32
TSP: $18,000 + $3,000 match
Roth IRA: $5,500
HSA: $3,400

Fiance just about max's her 403b (its messy - percentages only) and her Roth IRA as well.
by Ignis
Sat Dec 09, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: TSP 401k Contribution Question
Replies: 17
Views: 1478

Re: TSP 401k Contribution Question

Ignis; Do you have 26 or 27 pay periods for 2018? We have 27, but like I said above, not sure if everybody is the same. That is a good question. Our first pay date in 2018 is 01/04, and the first for 2019 is 01/03. I’ll have to check if either of those are affected by the New Years holiday. Hadn’t ...
by Ignis
Sat Dec 09, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: TSP 401k Contribution Question
Replies: 17
Views: 1478

Re: TSP 401k Contribution Question

Contributions, wages and taxes go by check date, not period covering dates. This is correct. Also, changes to contributions usually take a couple pay periods to take effect, so keep that in mind. Make sure they are $712/pp for 2018 so that it will max out on your last paycheck of next year (it will...
by Ignis
Mon Nov 13, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 4678

Re: What's your weighted average expense ratio?

0.05% (mix of TSP, Vanguard, and Fidelity).
by Ignis
Sun Nov 12, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Looking for some feedback on finances/planned home purchase.
Replies: 14
Views: 1564

Re: Looking for some feedback on finances/planned home purchase.

I’ll be sure to stop back in and let you all know. :mrgreen:
by Ignis
Thu Nov 09, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some feedback on finances/planned home purchase.
Replies: 14
Views: 1564

Re: Looking for some feedback on finances/planned home purchase.

OP here. Just wanted to give a quick update to this thread (I know I like to see closure on others' threads). We ended up buying a townhouse for $375,000 and put 20% down. That left us with a mortgage right at $300,000, which is right at 2x our income. PITI + HOA is just under $2,000 (16% of gross m...
by Ignis
Sat Nov 04, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Married - Reallocation Assistance
Replies: 15
Views: 1437

Re: Married - Reallocation Assistance

My only comment is that you’ve mentioned putting $11k into each of your IRAs for the last two years a couple of times. I just want to clarify that you are talking about $5.5k for 2017 into each of your IRAs, and then an additional $5.5k into each of them after 01/01/18 for next year, and not trying ...
by Ignis
Sun Oct 29, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 12723

Re: we bought a house - are we housepoor now?

Your mortgage is right at 2.4x your salary (including bonus and RSUs) and your liquid assets are greater than your outstanding mortgage so I wouldn’t say you are house poor.. But that’s just my opinion (in a fairly similar situation on a slightly smaller scale).
by Ignis
Mon Sep 04, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 44
Views: 6644

Re: 3 Fund Portfolio with TSP help

Invest the $5500 now in whatever your chosen fund is for your Roth, and then invest the next $5500 in January into the same fund. A button will appear asking if you'd like to convert to admiral shares, and then will do so in a day or two if I recall correctly (it has been a while). No need to leave ...
by Ignis
Thu Aug 31, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some feedback on finances/planned home purchase.
Replies: 14
Views: 1564

Re: Looking for some feedback on finances/planned home purchase.

OP here. I'll start with some standard advice. 1. Get married 2. Buy a house after step 1 On top of all the stress of planning a wedding, combining your lives, you want to buy a house and deal with moving, updates, repairs, additional expenses? I know that will sound all fuddy duddy (I'm 46). If you...
by Ignis
Wed Aug 30, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some feedback on finances/planned home purchase.
Replies: 14
Views: 1564

Looking for some feedback on finances/planned home purchase.

Hi all, Apologies in advance for the mess… The fiancé and I are currently shopping for a townhouse, and I wanted to get some outside feedback/input on our finances as they relate to buying our first home together. We will be married in the next year or so, so I would like to look at this from a comb...
by Ignis
Wed Jul 12, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 8616

Re: How much of an increase of salary would you expect before switching jobs?

Very informative post.. thanks for sharing your experience. This is an old school tag so I can find it in the future.
by Ignis
Wed Jun 21, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29
Replies: 4
Views: 875

Re: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29

Well crap, I was hoping to take advantage of this later this year/early next year. Can't do it now due to a potential house purchase in the near future.. :shock:
by Ignis
Sun Apr 30, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 8763

Re: Does Retirement Planning impact your job performance?

I understand where you are coming from, and find myself thinking along the same lines often. On the flip side, I find that focusing on retirement (many, many years away) also helps to push me to do better, make more, and save more. :beer
by Ignis
Fri Mar 31, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 68
Views: 6632

Re: Help, please, on new salary negotiations

I have nothing to add unfortunately, but just wanted to say that this thread is helping me to prepare for a potential salary negotiation of my own in the very near future. Lots of great information both here in the thread, and the links provided. Thanks all. :beer
by Ignis
Wed Dec 07, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with fund transfers and Thrift Savings Plan
Replies: 4
Views: 590

Re: Help with fund transfers and Thrift Savings Plan

Based on the info you provided, I'd just move it all to the L2050.
by Ignis
Mon May 02, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: What the new FICO score means for you.......
Replies: 4
Views: 1739

Re: What the new FICO score means for you.......

Interesting. I wonder if/how they will back date the accounts, and if they will also be used in the current models.. For someone with a short CC/loan history, adding an account with 10 years of on time payments could have a significant effect on their scores.
by Ignis
Sat Apr 30, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan vs. Emergency Fund
Replies: 8
Views: 1233

Re: Student Loan vs. Emergency Fund

The interest that accrues over the next 60 days wouldn't be enough for me to pay them off now. I'd wait and pay it off with the $12,000 you expect then. Worst case if that money doesn't materialize, you can pull the $5,000 then if you still feel the same way.
by Ignis
Fri Apr 01, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 27911

Re: Renting forever: financial suicide?

Great thread. I am renting currently and plan to continue to rent for the foreseeable future. I like paying as little as possible for a place to sleep at night about 50% of the time while putting the rest of my money to work for me. I'd be lying though if I said I wasn't hoping at least a little for...
by Ignis
Sun Mar 27, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New to Indexing
Replies: 7
Views: 747

Re: Brand New to Indexing

Welcome Matt. You say you want an asset allocation of 80/20 stocks/bonds, with 10-15% of stocks being international, but your current plan for your TSP is 90% C and 10% G&F (combined). That is a 90/10 split, with no international or small cap equities. I would encourage you to change your TSP alloca...
by Ignis
Wed Mar 23, 2016 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Needing portfolio help with HSA/401k/Roth
Replies: 4
Views: 699

Re: Needing portfolio help with HSA/401k/Roth

Questions: 1.For my 401k should I be using the other VG funds or would it better to just stay simple and use the Target Date 2055? 2. For my HSA (which I'm treating as an IRA) and Roth I had thought about putting tax inefficient funds there, possibly a VG REIT (VNQ)(.12) and Healthcare (VGHCX) (.34...
by Ignis
Wed Mar 23, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: DCA Roth IRA
Replies: 3
Views: 382

Re: DCA Roth IRA

Hi, As long as your new contributions are able to bring your asset allocation in line, you can continue to do what you are doing (re balance with new contributions). As your account balance continues to grow, your $125/month contributions (or whatever you are able to contribute going forward) will n...
by Ignis
Fri Feb 26, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: 1st try at BH approved portfolio - please comment
Replies: 19
Views: 2932

Re: 1st try at BH approved portfolio - please comment

Hi moneylearner13, You mentioned that you contribute 20% to your TSP, and state that it is the max allowed... Can you share a source for this? I have never been able to find anything in writing. The reason I ask is I contribute $693/pay period to my TSP in order to max it, and it is way more than 2...
by Ignis
Fri Feb 19, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: 1st try at BH approved portfolio - please comment
Replies: 19
Views: 2932

Re: 1st try at BH approved portfolio - please comment

Hi moneylearner13, You mentioned that you contribute 20% to your TSP, and state that it is the max allowed... Can you share a source for this? I have never been able to find anything in writing. The reason I ask is I contribute $693/pay period to my TSP in order to max it, and it is way more than 20...
by Ignis
Wed Jan 13, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Can employer deposit payroll money into 2015 HSA?
Replies: 6
Views: 1203

Re: Can employer deposit payroll money into 2015 HSA?

Consider this a tag, as I am having the same issue.. Kinda. I enrolled in an HDHP effective 11/01/15, with employer contributions of $62.50/month, and only recieved one for 2015, which left my HSA short of the limit by the same amount (I maxed it via a manual contribution as soon as I was enrolled, ...
by Ignis
Sat Dec 26, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 8847

Re: [What will you do differently in] 2016

I will max my TSP for the first time (have maxed roth IRA for a number of years).
by Ignis
Mon Nov 02, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP w/ HSA Funding/Contribution Question
Replies: 3
Views: 560

Re: GEHA HDHP w/ HSA Funding/Contribution Question

Thanks SiteScopeBound for confirming this for me. I will go ahead and max this out before years end and then try and max it out (less employer contributions) again right away in early 2016 too.
by Ignis
Mon Nov 02, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP w/ HSA Funding/Contribution Question
Replies: 3
Views: 560

GEHA HDHP w/ HSA Funding/Contribution Question

Hi, I am a recently hired federal employee that has just selected the GEHA HDHP insurance plan (self-only), effective November 1st. I'd like some quick clarification regarding my contributions for this year's (calendar year 2015) contributions. From the plan's brochure (emphasis mine): If you enroll...
by Ignis
Sun Nov 01, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: "I" Bonds [Interest rate?]
Replies: 12
Views: 2155

Re: "I" Bonds

No interest, or hasn't shown up since it is Sunday?

(I don't know, I don't make a point of checking mine very often...)
by Ignis
Mon Oct 26, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 32187

Re: Age when you started to max out your retirement accounts?

Have been maxing my rIRA for several years (and maxed it one year, many years ago when I had some extra money/no idea about retirement planning, and then subsequently cashed out in 2009 or so... Bleh), and just upped my TSP contributions to max that out for the first time next year at 31. I have mad...
by Ignis
Fri Oct 02, 2015 6:31 am
Forum: Investing - Help with Personal Investments
Topic: What should I do with my money?
Replies: 4
Views: 910

Re: What should I do with my money?

I recommend you edit your post and add more detail following the guide at this link, as you are more likely to get a nice detailed response: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You mention lump summing into your and your wife's IRA... Just FYI the max contribution for 2015 is $...
by Ignis
Thu Jul 09, 2015 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Silly question...better to invest now in intl stocks?
Replies: 24
Views: 4073

Re: Silly question...better to invest now in intl stocks?

Asset allocation makes it possible to invest at times like this automatically. My international fund is going down. So next paycheck, I will buy more of that fund to keep my asset allocation inline with my plan. And I don't need to worry if US stocks look overpriced, because I keep those in their p...
by Ignis
Sun Mar 15, 2015 4:23 am
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 83
Views: 29364

Re: If I Knew Then What I Know Now

Thanks for posting this. Forwarded it to my younger siblings who I am hoping will take it to heart so that we can all enjoy early retirement together one day.
by Ignis
Mon Feb 16, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 2218

Re: Anti-virus software on my MAC?

Avast for me. It scans everything real time as you work. Can't tell it's running.
by Ignis
Fri Jan 02, 2015 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 10118

Re: Today is a Good Day to fund the 2015 IRA

Fully funded mine first thing this morning. $5,500 of VTSAX.
by Ignis
Tue Dec 30, 2014 12:05 am
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2753

Re: HSA Account Questions

Also, my Insurance plan is through Anthem BC/BS and the paperwork that they sent has instructions to sign up for an HSA with MyBenefitWallet.com. Is this my only option for an HSA, or am I free to open an HSA anywhere that I choose? MyBenefitWallet is the default HSA provider for Anthem and yes it ...
by Ignis
Fri Dec 26, 2014 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 124
Views: 18436

Re: Do you celebrate financial milestones?

I need the U.S. market to go up somewhere between 0.5%-1.0% by the EOY to make a milestone for 2014. I will celebrate if I hit this, even though in the grand scope of things it really isn't that meaningful whether I hit it or stay right where I am. Me too, but then I think, "when I max my IRA on th...
by Ignis
Fri Dec 26, 2014 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for credit limit increases
Replies: 8
Views: 1276

Re: Asking for credit limit increases

Ask for as much as you think you might ever need, as long as you use it as a tool and not a crutch. It's not uncommon for people to have available credit equal to half their annual income, and plenty of people have more available credit than they have income. Head over to myfico.com if you want to l...
by Ignis
Wed Dec 24, 2014 11:24 am
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2753

Re: HSA Account Questions

Doubt it...Look at the form 8889, go to page 4 in the instructions and fill out that table. Share your results! http://www.irs.gov/pub/irs-pdf/i8889.pdf Thanks ahmadcpa for directing me to that form. I am usually pretty good at pulling the IRS Publications but for some reason didn't even think to l...
by Ignis
Wed Dec 24, 2014 1:18 am
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2753

HSA Account Questions

I've searched high and low, and can't seem to find a definitive answer to a few questions I have on HSAs. I am currently unemployed (foreseen and prepared for it, not actively seeking employment for a couple of months probably) and recently signed up for a Bronze Health Insurance plan with HSA on he...
by Ignis
Sun Nov 02, 2014 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why do $0.00 accounts show on my Vanguard page?
Replies: 8
Views: 1775

Re: Why do $0.00 accounts show on my Vanguard page?

Are you talking about individual funds within an account, or whole accounts that have $0.00 balance? I had several funds that showed $0.00 balance as a result of conversion to Admiral shares over the last year or two (for instance, VTSMX has a balance of $0.00 now that I qualify for VTSAX in my taxa...
by Ignis
Wed Sep 03, 2014 8:44 am
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 4823

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Thanks for posting this. I have a 3% CD that matures in 10 days. These promotions are usually run the whole month of September, right?
by Ignis
Wed Aug 20, 2014 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Longer Term Investment Goals Progress Tracking
Replies: 20
Views: 1749

Re: Longer Term Investment Goals Progress Tracking

I started tracking end of year net worth a couple of years back, but not as a percentage of my goal number (I have an idea of what it would be were I to stay single, but who really knows what I will want/need many years from now). Just for giggles, I just checked and I am 13.6667% of the way to my c...
by Ignis
Wed Aug 06, 2014 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 2566

Re: Do you consider your Roth as part of your EF?

I do not. It would depend on how big (financially) an emergency is, but a general order of e-fund for me is: 1. Credit cards to float emergency expenses (paid in full each month). 2. Cash in savings (couple thousand). 3. I-Bonds (10-12 months of expenses). If the above do not cover an emergency, I w...
by Ignis
Wed Jul 30, 2014 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Where to keep "emergency fund" and how much to keep in bank?
Replies: 19
Views: 3750

Re: Where to keep "emergency fund" and how much to keep in b

I keep <$1000 in my checking account for cash flow needs (most everything goes on rewards credit cards), and I have a sinking funds savings account for annual insurance/property tax expenses (which could be used for small emergencies, I guess). I used to keep a large cash emergency fund, but I moved...