Search found 712 matches

by nps
Sat Oct 26, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: JEDI contract
Replies: 26
Views: 2624

Re: JEDI contract

So, @ChrisBenn - do you read it as there is no more partial contract to be handed out ? In these cases, is there an appeal process ? All my questions are geared towards investment, as based on that MSFT will go up. It was a single award contract, or winner take all. So no, it is not being split up ...
by nps
Wed Oct 23, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 2819

Re: Sanity check on PPO vs HDHP

I'm also planning on getting a vasectomy, which is covered on the PPO at 100% (deductible waived) and 80% on the HDHP (deductible applies). Don't know your personal circumstances but that is elective surgery, have you considered having it done this year so it is covered under your current insurance?
by nps
Thu Oct 17, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2749

Re: Are there HSA matches for Federal employees?

It sounds as though the HRA is better than nothing but the HSA is a far superior option. Is that what you’re saying? Given the opportunity to have $2,400/year (family) pass through in HRA or $1,800 in HSA, for a health family that doesnt see many doctors each year, would you suggest HSA is the bett...
by nps
Thu Oct 17, 2019 5:46 am
Forum: Personal Investments
Topic: HSA Bank and Trustee to Trustee Fee question for FEHB
Replies: 14
Views: 1330

Re: HSA Bank and Trustee to Trustee Fee question for FEHB

Many of us are using the new Fidelity HSA to house HSA funds and for payroll deposits (pass-through contributions still have to go to HSABank initially). I switched to GEHA's HDHP this year and am looking to also use Fidelity. I'm guessing skipping using HSA Bank is not an option. Can you speak to ...
by nps
Mon Oct 14, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 5362

Re: FEHB Open Season 2019

Yes. Follow-on question. Is TD Ameritrade or Devenir preferred? It appears they're both highly rated in terms of HSAs. TDA is a brokerage with zero commission fees and ETF access as low as .03 percent ER. As far as I last knew, Devenir under HSA Bank sold mutual funds with high fees. Not sure if th...
by nps
Sat Oct 12, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2749

Re: Are there HSA matches for Federal employees?

Personally, I'm on the MHBP (Mail handlers benefit plan even though I'm not USPS; it is open to any federal employee) as the underwriter is Aetna. My premium pass-through to my HSA is $1200 for single coverage. The HSA Aetna uses is Payflex, and it has several Vanguard index funds to choose from th...
by nps
Sat Oct 12, 2019 8:12 pm
Forum: Investing - Theory, News & General
Topic: vanguard stock trade fee
Replies: 7
Views: 922

Re: vanguard stock trade fee

RickBoglehead wrote:
Sat Oct 12, 2019 1:14 pm
Vanguard isn't looking for customers that focus on trading stocks. You can buy Vanguard mutual funds and ETFs all day for free at Vanguard.
You can also buy nearly all non-Vanguard ETFs for free at Vanguard.
by nps
Sat Oct 12, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Social Security Maximum Taxable Earnings $137,700
Replies: 39
Views: 5112

Re: 2020 Social Security Maximum Taxable Earnings $137,700

unclescrooge wrote:
Sat Oct 12, 2019 6:52 pm
FIREchief wrote:
Sat Oct 12, 2019 6:32 pm
Does anybody know why this is the case?
So the social security fund doesn't run out of money?
No, it's tied to a wage index while Social Security benefits are tied to a price index. My understanding is that wages tend to grow faster than CPI.
by nps
Sat Oct 12, 2019 5:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 160
Views: 12231

Re: Vanguard: the case for global equity investing

UpperNwGuy wrote:
Fri Oct 11, 2019 8:11 pm
Diversification might be best for those with a long investment horizon. Performance is probably better for those with a short investment horizon. I'm getting old, so I would probably have chosen VBIAX of those two alternatives.
Can you explain what you mean by performance?
by nps
Thu Oct 10, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: How does FEGLI differ from BEDB? (Fed employ)
Replies: 10
Views: 581

Re: How does FEGLI differ from BEDB? (Fed employ)

FEGLI is optional, has varying coverage amounts and costs money for premiums. BEDB is a standard benefit, is a set amount that adjusts based on salary and cost of living, and costs you nothing.
by nps
Thu Oct 10, 2019 6:15 am
Forum: Personal Investments
Topic: Random HSA Questions
Replies: 8
Views: 1244

Re: Random HSA Questions

With the HDHPs offered to me from FEHB as a Federal employee (i.e., Aetna , GEHA , MHBP ), am I able to open up another external HSA and rollover the funds yearly as long as the total contribution is under the limit between them both? Yes I also believe I could signup for the NALC CDHP and NALC Val...
by nps
Wed Oct 09, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: [Thrift Savings Plan - Fund composition and comparisons]
Replies: 28
Views: 1410

Re: Improving the TSP [for current participants]

They are probably assuming F has a somewhat higher return than G. Seems to me that is a reasonable assumption and it looks to be consistent with the facts that we know. The allocations depend on the correlation matrices of the 5 TSP assets. Sorry, but no. The only way to generate an efficient front...
by nps
Wed Oct 09, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: [Thrift Savings Plan - Fund composition and comparisons]
Replies: 28
Views: 1410

Re: Improving the TSP [for current participants]

They are probably assuming F has a somewhat higher return than G. Seems to me that is a reasonable assumption and it looks to be consistent with the facts that we know. The allocations depend on the correlation matrices of the 5 TSP assets. Sorry, but no. The only way to generate an efficient front...
by nps
Tue Oct 08, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 5362

Re: FEHB Open Season 2019

Wanting to be thorough, I started reviewing the GEHA Elevate and Elevate Plus plan brochure. https://www.geha.com/docs/default-source/medical/2020-geha-elevate-plus-and-elevate-options-medical-plan-brochure.pdf I don’t understand what I’m reading, and feel there must be a misprint. Elevate Plus has...
by nps
Wed Oct 02, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5393

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

Is there any reason to sell my SPTM, SPDW, and SPEM to buy VT? I don't think so. I went to Portfolio Visualizer and compared VTI to SPTM going back to July 2001 (origin of VTI). VTI returned .45% more per year (CAGR) than SPTM which resulted in an extra $274,455 on a million dollar portfolio! That ...
by nps
Wed Oct 02, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5393

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

best way to go from the sptm i had bought at TD to vti and same for spdw to vanguard international etf??? thanks! I have to laugh. I guess I'm not the only one doing this. I started at TDA with VTI and VEA and at dividend time buy SPTM. I haven't seen VTI do any better than SPTM, but it's nice to k...
by nps
Tue Oct 01, 2019 5:04 am
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3328

Re: TSP: Moving out of G Fund to F?

It is missing all the ups and downs due to interest rate changes, which average out to zero anyway. I don't see that as an issue. I think you are putting too much faith in the effects and magnitude of negative correlation. It doesn’t “average out to zero” even when bond yields are constant. Are you...
by nps
Mon Sep 30, 2019 6:36 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3328

Re: TSP: Moving out of G Fund to F?

It has the yield and ease of use of an intermediate bond fund, with the safety of a CD. I don’t understand what is to be gained by making it out to be something other than that. The main thing to be gained would be an understanding that it isn’t a bond fund and doesn’t behave like one, so that peop...
by nps
Sat Sep 28, 2019 6:49 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4801

Re: How much cash do you keep in your HSA?

I invest it all. Zero cash.
by nps
Tue Sep 24, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5126

Re: What Benefits to Expect for new Fed employee?

As I’m staring soon, I think I can pick a plan for the rest of 2019 and still, in December, change plans for all of 2020. Is this correct? Does that offer me any type of advantage to maybe picking a plan now with higher monthly cost but little out of pocket and then visit doctors for our annual che...
by nps
Tue Sep 24, 2019 5:35 am
Forum: Personal Consumer Issues
Topic: Best website to see what deals people have been getting on new car purchases.
Replies: 15
Views: 1797

Re: Best website to see what deals people have been getting on new car purchases.

You could try car gurus. Better than starting with google, I don't know why people bother writing stuff like that.

Here's the page for Honda Odyssey:

https://www.cargurus.com/Cars/2019-Hond ... ice-c27734
by nps
Tue Sep 24, 2019 4:39 am
Forum: Personal Investments
Topic: Garrett Fee Only
Replies: 18
Views: 1979

Re: Garrett Fee Only

$2200 for what?
by nps
Sun Sep 22, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rules around signing up for a business credit card?
Replies: 35
Views: 2801

Re: What are the rules around signing up for a business credit card?

It violates the terms of service to put personal expenses on a business credit card. So, technically they could sue you. I doubt it's ever happened. What would be the damages? They earned swipe fees on the charges... I have a hard time believing they would sue. I would be more concerned about confi...
by nps
Fri Sep 20, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 3061

Re: Separate laptop for dealing with finances?

Cyber attacks can affect your accounts even if you never log into them. They don't have to originate with your computer or phone.
by nps
Thu Sep 19, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Making Psychological Shift to High Deductibles, Funded HSA
Replies: 30
Views: 2057

Re: Making Psychological Shift to High Deductibles, Funded HSA

First year in an HSA, and I experienced everything you noted. My family doesn't understand the HDHP/HSA and have just gone for medical care as they would normally, and boy that was a lot this year. Burned through the $3k deductible in just a few months. I was not ready for that and started tapping ...
by nps
Thu Sep 19, 2019 4:25 am
Forum: Personal Finance (Not Investing)
Topic: What are the rules around signing up for a business credit card?
Replies: 35
Views: 2801

Re: What are the rules around signing up for a business credit card?

i've read in many places folks signing up that certainly do not own their own business. is this a legal/ethical issue? your insights appreciated. You can certainly easily do it. Legal and ethical is up to you. If you sell something on Craig's list or Facebook, it is probably legal. I'm not sure I'd...
by nps
Wed Sep 18, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to contribute HSA with carry over of FSA?
Replies: 4
Views: 289

Re: How to contribute HSA with carry over of FSA?

That doesn't help you this year for the existing general purpose FSA. If you spend it down to zero by the end of the year, you don't have an issue. If it carries into the grace period next year, you can't contribute to an HSA until after the grace period expires. However, under the last month rule, ...
by nps
Wed Sep 11, 2019 6:11 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76047

Re: My trend following strategy and experience

It looks like that study uses only 10 percent of the portfolio for trend following. Any evidence for the benefit when you "swing from 100% stocks to 0% stocks" as HomerJ puts it (and I understand is your implementation)? Or even slightly more mild like the 70% to 30% suggestion? No, they went from ...
by nps
Tue Sep 10, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76047

Re: My trend following strategy and experience

It looks like that study uses only 10 percent of the portfolio for trend following. Any evidence for the benefit when you "swing from 100% stocks to 0% stocks" as HomerJ puts it (and I understand is your implementation)? Or even slightly more mild like the 70% to 30% suggestion? No, they went from ...
by nps
Tue Sep 10, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76047

Re: My trend following strategy and experience

Do you think there is compelling evidence that trend following in retirement could maintain or increase the SWR over BAH? Or just that its minimization of deep drawdowns may be better psychologically? The academic study I linked to above found that trend following would have significantly boosted t...
by nps
Tue Sep 10, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76047

Re: My trend following strategy and experience

I calculate a 60/40 AA (with VBMFX), Jan 2000 - Aug 2019, withdraw 4 percent annually to result in inflation adjusted end balance of $9412. That's more than 94% of your nest egg still intact nearly 20 years into retirement. I just checked it again with Portfolio Visualizer, using VTSMX (60%) and VB...
by nps
Tue Sep 10, 2019 10:55 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76047

Re: My trend following strategy and experience

I calculate a 60/40 AA (with VBMFX), Jan 2000 - Aug 2019, withdraw 4 percent annually to result in inflation adjusted end balance of $9412. That's more than 94% of your nest egg still intact nearly 20 years into retirement. I just checked it again with Portfolio Visualizer, using VTSMX (60%) and VB...
by nps
Tue Sep 10, 2019 6:17 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 974
Views: 76047

Re: My trend following strategy and experience

Yes, there is a risk of whipsaws, but there is also a risk with buy-and-hold of a deep drawdown in stocks that doesn't recover quickly. The academic research I linked to showed that a simple 10 MMA strategy would have done much better than a fixed 60/40 AA. Here's how 4% withdrawals (i.e. '4% rule'...
by nps
Sat Sep 07, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Why Risk-Profile Questionnaires Don’t Work
Replies: 48
Views: 3686

Re: Allan Roth: Why Risk-Profile Questionnaires Don’t Work

You might be right. But it's hard for savings rate to overcome the low returns of a portfolio of nothing but CDs. Harder still for a miniscule savings rate to overcome a high savings rate invested in nothing but CDs. Absolutely. It seems safe to say that both savings rate and AA are very important....
by nps
Sat Sep 07, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Why Risk-Profile Questionnaires Don’t Work
Replies: 48
Views: 3686

Re: Allan Roth: Why Risk-Profile Questionnaires Don’t Work

In fairness, determining a proper asset allocation is the most important and yet most difficult decision for an investor to make. I don't think it's the most important. I would put savings rate way ahead in terms of importance. You might be right. But it's hard for savings rate to overcome the low ...
by nps
Sat Sep 07, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Why Risk-Profile Questionnaires Don’t Work
Replies: 48
Views: 3686

Re: Allan Roth: Why Risk-Profile Questionnaires Don’t Work

In fairness, determining a proper asset allocation is the most important and yet most difficult decision for an investor to make. I don't think it's the most important. I would put savings rate way ahead in terms of importance. You might be right. But it's hard for savings rate to overcome the low ...
by nps
Sat Sep 07, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: Why Risk-Profile Questionnaires Don’t Work
Replies: 48
Views: 3686

Re: Allan Roth: Why Risk-Profile Questionnaires Don’t Work

nedsaid wrote:
Fri Sep 06, 2019 8:30 pm
In fairness, determining a proper asset allocation is the most important and yet most difficult decision for an investor to make.
I don't think it's the most important. I would put savings rate way ahead in terms of importance.
by nps
Fri Sep 06, 2019 8:57 pm
Forum: Personal Investments
Topic: Ignorance regarding bonds
Replies: 15
Views: 1472

Re: Ignorance regarding bonds

But bond funds aren't as simple. They sort of follow the returns of individual bonds, but not exactly. To be honest, I don't entirely understand why. They are basically the same thing except that bond funds are obviously collections of lots of individual bonds which may vary in quality, duration, e...
by nps
Fri Sep 06, 2019 6:19 pm
Forum: Personal Investments
Topic: Ignorance regarding bonds
Replies: 15
Views: 1472

Re: Ignorance regarding bonds

Price appreciation (or lack of it) is not the same thing as returns. You need to look at returns.
by nps
Fri Sep 06, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules
Replies: 274
Views: 20924

Re: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules

What percentage would you be willing to put in bonds if you expected them to return 0% real in the long run? Probably no more than 25% and maybe less. Huh? If I thought that bonds would have 0% real returns over the next 50 years, I wouldn't put a dime in them and would seek alternatives such as re...
by nps
Fri Sep 06, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules
Replies: 274
Views: 20924

Re: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules

What percentage would you be willing to put in bonds if you expected them to return 0% real in the long run? Probably no more than 25% and maybe less. Huh? If I thought that bonds would have 0% real returns over the next 50 years, I wouldn't put a dime in them and would seek alternatives such as re...
by nps
Thu Sep 05, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage Calculation
Replies: 51
Views: 3168

Re: Savings Percentage Calculation

I think this gives a few ways of looking at it that may help you determine what is best for you: https://earlyretirementnow.com/2017/04/05/savings-rate/ Agree. I was going to recommend this. Lays out all the logical and illogical ways of coming up with a rate. And much easier to read than another "...
by nps
Wed Sep 04, 2019 6:46 pm
Forum: Personal Investments
Topic: Vanguard 529 (Nevada) vs. Alabama 529 (tax-deductible)
Replies: 7
Views: 575

Re: Vanguard 529 (Nevada) vs. Alabama 529 (tax-deductible)

If Alabama fees were 1 percent higher you would save $100 per year in fees by going with Nevada. I suspect that the fee difference is actually much smaller. I would go with the $500.
by nps
Sat Aug 31, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig in Today's WSJ Discusses Target Retirement Funds
Replies: 54
Views: 8135

Re: Jason Zweig in Today's WSJ Discusses Target Retirement Funds

2018 was a double-whammy for near-term target-date funds because the allocation to stocks was automatically reduced at the end of the year, right after the market dropped 20% and had not recovered much of that loss. Target date funds are not managed this way. It’s a non-issue. Correct, the market h...
by nps
Sat Aug 31, 2019 12:42 pm
Forum: Personal Investments
Topic: 529 plan - investment change limitation
Replies: 5
Views: 352

Re: 529 plan - investment change limitation

Thanks all. I'm in a state with a tax deduction for contributions but higher fees. Also no recapture provision for rollovers out. To mitigate the impact of liquidating and having the funds out of the market for however long it takes to transfer, I am considering exchanging the stock fund to money ma...
by nps
Sat Aug 31, 2019 8:30 am
Forum: Personal Investments
Topic: 529 plan - investment change limitation
Replies: 5
Views: 352

529 plan - investment change limitation

IRS regulations only allow you to exchange money from your current 529 investment options to a different option twice per calendar year. Does anyone know or have a source as to whether this limitation applies to a single state's plan, or across all states' plans? I know some on here, including me, m...
by nps
Fri Aug 30, 2019 6:16 am
Forum: Investing - Theory, News & General
Topic: "Factors" and language misuse
Replies: 71
Views: 3848

Re: "Factors" and language misuse

So I would steer people to the simpler portfolios like the Taylor Larimore 3 fund portfolio or to maybe Rick Ferri's Core 4 portfolios. I love Paul Merriman but I would have a hard time recommending his more complex portfolio to new investors. His portfolio represents a pizza sliced into lots of sm...
by nps
Mon Aug 26, 2019 7:53 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 28384

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

What exactly do each of you mean by the word "short"? I simply meant holding less than market weight. In any case, the new Direxion relative value funds are interesting. 150% long and 50% short. You can pick the exposure and go long value or go long growth, or US over international, or internationa...