Search found 423 matches

by wassabi
Sat Dec 08, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: YNAB: Age of Money
Replies: 21
Views: 2564

Re: YNAB: Age of Money

I'm at 125 days, but never really attributed any value to the metric.
by wassabi
Sat Dec 01, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Health Insurance
Replies: 20
Views: 817

Re: Federal Employee Health Insurance

Although not a Federal employee, we have been on Kaiser (Washington DC area) for much of the past 40 years -- and never would have gone off Kaiser - except for employer coverage. In my opinion and experience, most folks will save even more on kaiser if they utilize the features fully - such as no c...
by wassabi
Sat Dec 01, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Health Insurance
Replies: 20
Views: 817

Re: Federal Employee Health Insurance

Are you looking for self or will your wife also come onto this policy? It will be wife and me (Self + 1) with an expected dependent in the next two years. Wife is currently on Kaiser (via Marketplace) and I am on CareFirst (via current employer). Why did you write, " Blue Cross is between $40-$100 ...
by wassabi
Sat Dec 01, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Health Insurance
Replies: 20
Views: 817

Federal Employee Health Insurance

I'm starting a federal position in January and have to select health insurance. I've been with CareFirst for 15+ years and have never had an issue. My wife has been with Kaiser for years and loves it for the centralized facilities, records, etc. We will be on the same plan and have narrowed it down ...
by wassabi
Sat Dec 01, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Encrypted messaging: Threema vs Wickr
Replies: 15
Views: 902

Re: Encrypted messaging: Threema vs Wickr

If Signal isn't an option, I'd consider using Wire. Wire allows you to use a login name instead of a phone number. I believe the app uses Signal's protocol and is open source.
by wassabi
Thu Nov 22, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7445

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

I've been using AAA since I started driving about 25 years ago. My family always had clunkers so we would max our tows every year. I've driven more reliable cars the past 15 years, but have had to place a call on average once every two years for a dead battery or flat tire. In fact, we just placed a...
by wassabi
Thu Nov 15, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 1974

Re: Mesh versus Range extender

I had issues with connectivity in my place. I bought an extender and that improved it a little, but not enough. Devices were two (out of three) wifi bars at best. Ran speed tests throughout the house and confirmed I had poor connectivity. Bought Google Wi-Fi mesh router and it was a complete game ch...
by wassabi
Wed Oct 24, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2085

Re: TSP and Vanguard

If you are likely to be a fed for long enough to get a decent pension, you should consider Roth TSP for some or all of your contributions. https://thefinancebuff.com/most-tsp-participiants-should-switch-to-the-roth-tsp.html ETA...if you love boring, you will love the G Fund. Like watching paint dry...
by wassabi
Wed Oct 24, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2085

Re: TSP and Vanguard

May I suggest at least 1% into the TSP Roth, get it started and begin the 5 year seasoning period. I did not see mention of your age, but this may be more of an issue if you are closer to retirement. There are several additional things working for you with federal employment, FERS is a fixed annuit...
by wassabi
Wed Oct 24, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2085

Re: TSP and Vanguard

retiredjg wrote:
Wed Oct 24, 2018 5:00 pm
wassabi wrote:
Wed Oct 24, 2018 4:47 pm
I'll get started with the TSP and see how I like it.
Well, it is VERY boring and looks exactly like the building blocks for the 3 fund portfolio. :happy
I love boring! I mainly want the TSP for the G Fund. I'm happy with Vanguard, but the TSP G Fund has my eye.
by wassabi
Wed Oct 24, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9525

Re: Larry Swedroe: Why International Diversification Works

FIBoston wrote:
Wed Oct 24, 2018 1:27 pm
So basically what we're saying here is VT is the way to go for the equity portion of a portfolio?
That's what I've been slowly leaning toward. I picked up some VTWSX (the fund version of VT) a couple months ago and have been thinking about converting more of my VTSAX as well.
by wassabi
Wed Oct 24, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2085

Re: TSP and Vanguard

Are you only contributing to the match in your TSP because that's all you can afford, or because you think you'll do better elsewhere? I'd strongly encourage you to set your TSP account to one of the L funds appropriate for your desired asset allocation and load it up as much as possible. If you wa...
by wassabi
Wed Oct 24, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2085

Re: TSP and Vanguard

You can put your decision off if you want. The TSP will accept your rollover later if you are not sure about doing it now. Thanks. That's what I needed to know. I'm going to transfer my Schwab 401k to my Vanguard Rollover IRA since I use Vanguard for my taxable and Roth as well. I'll get started wi...
by wassabi
Mon Oct 22, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2085

TSP and Vanguard

I’ll be starting a position with the federal government and will have access to the TSP. I plan on contributing at least the full amount to get the match. My current 401k is with Schwab and I have a rollover, Roth, and taxable investment accounts at Vanguard. I am planning to rollover the Schwab 401...
by wassabi
Mon Oct 15, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Autoupdate google sheets with Tbill price/value
Replies: 6
Views: 544

Re: Autoupdate google sheets with Tbill price/value

Does anyone know how to get stock prices in Excel automatically? There are some other threads on how to do it, but I've never been able to figure it out. I use Google Sheets right now because it's easy to bring in stock prices but I'd really like to use Excel instead. Maybe someone will chime in wi...
by wassabi
Sat Oct 13, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2090

Re: Kaiser or CareFirst

Thanks very much to everyone for all the great input. We decided to give Kaiser a shot. Your comments definitely helped us make the decision. :thumbsup :thumbsup
by wassabi
Sat Oct 13, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2090

Re: Kaiser or CareFirst

I really liked CareFirst. Other than the fact that there's a deductible to hit (minimal), their rates are reasonable, and their annual cap is quite low (~$2k/person last time I checked). Most in the District and surrounding areas accept it as well. That said, I really wanted to join Kaiser, but the...
by wassabi
Sat Oct 13, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2090

Kaiser or CareFirst

I'm switching jobs in the next few months and taking a federal job in the Washington DC area. I've always had CareFirst and my spouse uses Kaiser. The federal government offers excellent coverage and rates for plans with both providers so we'd like to get on the same plan going forward. My spouse li...
by wassabi
Fri Oct 12, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 779

Re: Wash Sale?

This is why I turn off automatic dividend reinvesting for all holdings in my taxable account, and for any holdings in my IRA that are also in my taxable account. Then I can control/prevent any inadvertent wash sales. The automatic dividend reinvestment in ANY accounts - taxable and retirement - can...
by wassabi
Thu Oct 11, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 779

Re: Wash Sale?

I believe the IRS does not allow any loss to be claimed if the securities were repurchases in an IRA. https://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp Here’s a link that discusses it. Here is where I had a disallowed loss because of a purchase in an IRA and how it was trea...
by wassabi
Thu Oct 11, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 779

Re: Wash Sale?

You only have some of your loss disallowed, say on about 14 shares. And since bond funds don't have large losses, maybe your realized loss was about 4% of the share value, so the disallowed loss is probably under $10 in total value. I believe the IRS does not allow any loss to be claimed if the sec...
by wassabi
Thu Oct 11, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3648

Re: anybody sell I Bonds to buy something else?

ishkadetto wrote:
Wed Oct 10, 2018 12:32 pm

Edit: Also I have access to the G Fund which I feel gives me inflation protection, so the extra 10k in I bonds is negligible. I think I just convinced myself to sell them next month :D

Interesting. How does the G Fund protect against inflation?
by wassabi
Thu Oct 11, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 779

Re: Wash Sale?

On 2/5/18 I sold VBILX in taxable for a $3000 loss. On 2/28/2018 I had a $153 dividend reinvestment into VBILX in my IRA. I just realized today that is likely a wash sale and the taxable loss cannot be claimed as a loss. Can anyone confirm? If so, then it’s probably a good time now with this down m...
by wassabi
Thu Oct 11, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 779

Re: Wash Sale?

Wash sale yes You don’t have the whole loss disallowed. Only the portion that could be allocated to the “replacement shares” purchased in your IRA For instance if the $153 dividend reinvestment purchased 2 shares, then you would be disallowed the tax loss on 2 shares that you sold. Pretty sure that...
by wassabi
Wed Oct 10, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 779

Wash Sale?

On 2/5/18 I sold VBILX in taxable for a $3000 loss. On 2/28/2018 I had a $153 dividend reinvestment into VBILX in my IRA. I just realized today that is likely a wash sale and the taxable loss cannot be claimed as a loss. Can anyone confirm? If so, then it’s probably a good time now with this down ma...
by wassabi
Wed Aug 29, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3428

Re: Just put $100K into TUR. Analysis inside

OP, there's nothing wrong with your position provided it fits your IPS and works for you. In fact, I'm thinking of picking up a few shares with a small portion of my portfolio that I reserve for riskier positions. Sorry you're being ridiculed by so many in this thread - that's to be expected on this...
by wassabi
Mon Aug 20, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard performance tracking
Replies: 0
Views: 281

Vanguard performance tracking

Does Vanguard accurately track the performance of an account even after I sell a position for a profit (or loss) and buy something else? For example, I own VTSAX in a Rollover IRA and am up 15% in that position but want to exchange the fund for VTWSX (Vanguard Total World). I also own a bond fund in...
by wassabi
Mon Aug 20, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10602

Re: Vanguard predicts 10 year equity returns

How many times are we going to rehash this conversation? Nobody has a crystal ball and market timing is not the boglehead way. This thread is not actionable. I don't understand why threads under the "Theory, News & General" should be actionable. If anything, isn't acting based on the news precisely...
by wassabi
Thu Aug 02, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2464

Re: Charitable giving strategy

We do both local and national organizations. I'm very cautious about giving to organizations that will waste resources or inappropriately use them. If you are open to a faith-based organization then consider Samaritans Purse. I can personally vouch for the organization. Although there is a Christian...
by wassabi
Thu Jul 26, 2018 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1129

Re: Steps to transfer IRA to Vanguard

I looked at the Schwab site and there does not appear to be any fees to sell their funds inside an IRA. What would be the disadvantage of closing all fund and stock positions and going 100% cash prior to moving to Vanguard?
by wassabi
Wed Jul 25, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1129

Re: Steps to transfer IRA to Vanguard

What is the cost associated with selling assets? I assumed there was no fee to sell the funds and stocks the advisor has her in right now. I have a Schwab rollover and I know when I make purchases and sell assets I am not charged.

Am I missing a hidden fee?
by wassabi
Wed Jul 25, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1129

Re: Steps to transfer IRA to Vanguard

Set up the Vanguard account first, but DO NOT ask them to initiate the transfer. Weeks will pass and nothing will happen. When I gave up and asked my former IRA firm (TIAA) to do it, it happened in about four hours. Once you have your Vanguard account number, go to Schwab's website and initiate the...
by wassabi
Wed Jul 25, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1129

Re: Steps to transfer IRA to Vanguard

I think opening the IRA at Vanguard is the first step. Then have Vanguard pull the assets from the advisor. But it might be worth looking into the cost to sell the funds she is currently in at both locations. Some might be more or less expensive with the advisor than with Vanguard, and depending ho...
by wassabi
Wed Jul 25, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1129

Steps to transfer IRA to Vanguard

My retired mother in law has a financial advisor that charges her 1% and uses Schwab. She recently asked me to help her get set up at Vanguard. I’m going to post separately about the investments she is currently in and what I want to put her in at Vanguard (all index and treasuries). The first step ...
by wassabi
Wed Jul 18, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Titans of Junk: Behind the Debt Binge That Now Threatens Markets [Bloomberg article]
Replies: 14
Views: 2465

Re: Titans of Junk: Behind the Debt Binge That Now Threatens Markets [Bloomberg article]

I've been reading many articles recently like the OP's about record corporate debt levels and the danger this presents if the economy slows. Most of my fixed income is in laddered TIPs and CD's which, of course, have no exposure to this potential problem. However, one of my IRA accounts had a modes...
by wassabi
Thu Jul 12, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20064

Re: COMING SOON: BOGLEHEADS PODCASTS

wassabi wrote:
Thu Jul 12, 2018 11:48 am
Bogleheads: Investing made simple.
Alternative:
Bogleheads: Investing made easy.
by wassabi
Thu Jul 12, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20064

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Investing made simple.
by wassabi
Fri Jun 15, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Using Wellesley Fund as a bond alternative
Replies: 18
Views: 2597

Re: Using Wellesley Fund as a bond alternative

Hey guys was getting your input on using the Wellesley fund 35:65 stock/bonds as my bond fund. Currently contribute $2500 a month to VTSAX ($30k yearly) and $250 a month to Wellesley which also houses my emergency fund of $30k so around 3k a year to that. I would be able to take the risk of a 10 pe...
by wassabi
Sun Apr 15, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3760

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Help, I'm really stressing out! You're stressing out over a $100 possibly invalid debt? All collection agencies do is scare people who don't know that the agencies can't actually do anything. Write the letter to the collection agency asking them to validate the debt and, otherwise, not contact you,...
by wassabi
Sat Apr 07, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4554

Re: How often do you replace your office shoes?

I replace every 2-3 years for good quality - johnston & murphy, Clarks, Ecco. Coincidentally I'm going to buy Allen Edmonds this afternoon. I hate to spend so much but I've learned that quality shoes are worth it. The big problem for me is that I use public transportation and beat up my shoes. I can...
by wassabi
Wed Mar 28, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 41189

Re: WSJ Digital Subscription - a bargain!

I have been using the WSJ as my primary source of news for the past six months and am 100% satisfied. Worth every penny.
by wassabi
Sun Mar 18, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 3239

Re: Soft boxer shorts for men

I don't want this go "off topic", this should be ok since I'm just asking for product link. I would like to find some boxer shorts with the following requirements: - No thick "rubber band" at the top. I find this painful - Material should be soft cotton or flannel - Elastic should be fully covered ...
by wassabi
Tue Mar 06, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Crypto Index Fund
Replies: 26
Views: 2501

Re: Crypto Index Fund

What is an accredited investor?

Edit: never mind, found it here: https://www.investor.gov/additional-res ... -investors
by wassabi
Sat Mar 03, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9327

Re: Thinking of getting an Apple Watch

It truly is amazing to me what people think they actually need nowadays. You know how I know my heart rate is elevated when I’m working out? I feel my heart beating. People have a pocketsized supercomputer within arms reach 24/7 and that’s still not enough There will be nothing “life changing” abou...
by wassabi
Thu Feb 15, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 8391

Re: Wisdom of Bitcoin

How is this thread any different than the many other bitcoin threads that ridicule and make fun of it and anyone who thinks it’s a good investment? The original post isn’t even actionable - it’s just trolling bitcoin.
by wassabi
Tue Feb 13, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5796

Re: Rolex

I have personally been watching for a Rolex black and blue GMT batman but am having a hard time pulling the trigger on one with prices where they currently stand. I'm about to pull the trigger on a used one today. Prices seemed to have run up during xmas, then fallen a tiny bit since. Went to 5 sto...
by wassabi
Sun Feb 11, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1329

Re: MFJ 2 allowances underpayment penalty

The W-4 has a worksheet to make an approximate adjustment to your withholding when you have two earners. Did you adjust your withholding according to that worksheet? (It computes a total number of allowances, and recommends that the higher-earning spouse claim all of them.) There should be a new W-...
by wassabi
Sun Feb 11, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1329

Re: MFJ 2 allowances underpayment penalty

As a follow-up to this post, I used a calculator and accurately entered our income and other information. With me withholding two and my wife withholding zero (same as last year), the tool says we should have a refund next year of $742. If that's the case, I'd be happy to not adjust my withholding; ...
by wassabi
Mon Feb 05, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Young vs Middle Aged?
Replies: 32
Views: 3533

Re: Young vs Middle Aged?

I turned 40 a couple weeks ago. I feel old. I can relate. 40 is a tough age. It's more symbolic than anything. Most on this forum will agree that 40 and even 65+ is not "old." Anytime I feel old (as a 40-something) I read the consumer threads about our fellow retired Bogleheads who by government st...
by wassabi
Fri Feb 02, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1422

Re: Sell Bond Fund in Taxable for Loss?

I'm wresting with the same issue. The problem is I like the fund, esp Admiral shares. But I think it MIGHT be a decent MARKET TIMING (please don't shoot!) bet that interest rates will be the same or higher in 1 month. Meaning you could buy the fund back at the same or lower price, after the wash-sa...