Search found 1875 matches

by Ketawa
Mon Apr 02, 2012 12:57 pm
Forum: Personal Consumer Issues
Topic: shoe sizes
Replies: 5
Views: 770

Re: shoe sizes

The simplest thing to do is order multiple sizes from Zappos, then return the shoes that don't fit. Free shipping in both directions.
by Ketawa
Mon Apr 02, 2012 11:54 am
Forum: Investing - Theory, News & General
Topic: Update on Roth TSP in April Newsletter
Replies: 13
Views: 1517

Update on Roth TSP in April Newsletter

The April 2012 TSP newsletter has some more information about how the Roth TSP will work. https://www.tsp.gov/PDF/formspubs/high12b.pdf Of greatest interest to me was that participants will not be able to have different allocations between the pre-tax and post-tax accounts. I know this starts to get...
by Ketawa
Mon Apr 02, 2012 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Poll:Tax-Privileged vs. Taxable: Which has more?
Replies: 57
Views: 2745

Re: Poll:Tax-Privileged vs. Taxable: Which has more?

57/43 advantaged/taxable. 24 years old, only have so much in taxable since I didn't know any better for so long.
by Ketawa
Wed Mar 21, 2012 2:19 pm
Forum: Investing - Theory, News & General
Topic: Using "Specific Identification" tax method at Vanguard
Replies: 15
Views: 1160

Re: Using "Specific Identification" tax method at Vanguard

It was my understanding that to sell noncovered shares using Spec ID, you just needed to keep your own cost basis records. This was my impression from the thread where a Vanguard rep answered questions about the new policies. I do this using a spreadsheet that can account for share splits, mutual fu...
by Ketawa
Mon Feb 20, 2012 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 24
Views: 2904

Re: How do you value a pension?

I used the TSP Annuity calculator here to figure out how much a pension/annuity is worth. You can compare level payments vs. inflation-indexed payments, different starting ages, single/joint. The inflation increase is capped at 3% per year, so this may slightly undervalue a pension that has full COL...
by Ketawa
Fri Feb 17, 2012 2:25 am
Forum: Investing - Theory, News & General
Topic: Military Investing: Roth TSP strategy?
Replies: 14
Views: 2029

Re: Military Investing: Roth TSP strategy?

I'd recommend taking a look at these two articles: http://thefinancebuff.com/roth-401k-for-people-who-contribute-max.html http://thefinancebuff.com/case-against-roth-401k.html Personally, I'm going to contribute enough to Traditional to bring me down to the 15% tax bracket, then put the rest in Roth...
by Ketawa
Wed Feb 15, 2012 5:50 pm
Forum: Investing - Theory, News & General
Topic: SV and Reit Tilters Only Please
Replies: 60
Views: 4403

Re: SV and Reit Tilters Only Please

SCV: 30% of domestic stocks, 15% of overall portfolio. Split between ~20% (i.e. 10% of total) in RZV and ~10% (i.e. 5% of total) in VBR. I put new money towards VBR and buy/sell RZV when it hits my "bands" within SCV to minimize commissions. REIT: 10% of equities, 8% of overall portfolio. ...
by Ketawa
Sun Feb 05, 2012 1:37 am
Forum: Investing - Help with Personal Investments
Topic: Trade Small Cap Index for Value?
Replies: 7
Views: 859

Re: Trade Small Cap Index for Value?

I would not switch at this point. After you retire, might your marginal tax rate drop to 15%? If so, and if current tax code is extended (at least for people with your level of income), perhaps you could exchange some small into small value and pay 0% on the cap gains. In the meantime, take solace ...
by Ketawa
Sat Feb 04, 2012 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: How many hours do you work?
Replies: 37
Views: 4036

Re: Poll: How many hours do you work?

Probably about 20...I'm in grad school under military funding. 7.5 hours of class a week (9 credits) and I certainly don't spend much more than 12 hours a week on homework. This'll probably change once I have to start doing research.
by Ketawa
Thu Feb 02, 2012 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Any thoughts on Roth 401k
Replies: 3
Views: 495

Re: Any thoughts on Roth 401k

I'd recommend reading this article. Part of the analysis is your marginal tax rate now vs. marginal tax rate in retirement. It's also still good to have some assets in Traditional 401(k) for tax diversification and to take advantage of times in your life when you may be low-income and can rollover t...
by Ketawa
Sun Jan 15, 2012 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Number of State Allowances to Claim for Zero Withholding
Replies: 4
Views: 614

Re: Number of State Allowances to Claim for Zero Withholding

I think you should consider calling your state department of revenue. But first, perhaps, you should download and take a look at a form that Google found for me: m IT 4 MIL, Military Employee Withholding Exemption Certificate. It says: "Purpose: To exempt from the withholding of Ohio income an...
by Ketawa
Sun Jan 15, 2012 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Number of State Allowances to Claim for Zero Withholding
Replies: 4
Views: 614

Number of State Allowances to Claim for Zero Withholding

I'm working on adjusting my tax withholding for 2012. I'm an Ohio resident in the military, and I live outside Ohio, so I will owe zero state income tax this year. However, income tax is still deducted from my paycheck and I always end up with a sizable refund. Pertinent info: Single Annual taxable ...
by Ketawa
Thu Jan 12, 2012 12:20 am
Forum: Personal Consumer Issues
Topic: Do you own Apple products?
Replies: 114
Views: 7788

Re: Do you own Apple products?

1 iPod Classic It has my entire music library on it, and integrates with my custom (installed myself!) car audio system, so I can make playlists in iTunes and/or listen to any artist at any time. 1 iPod Shuffle (an older model) Flash memory is great for working out, lightweight, clips onto the waist...
by Ketawa
Mon Jan 09, 2012 4:55 pm
Forum: Personal Consumer Issues
Topic: Thanks Broncos (from a Bears fan)
Replies: 170
Views: 22236

Re: Thanks Broncos (from a Bears fan)

I do enjoy the booth team of Jim Nantz and Phil Simms, they seem to do a solid job of analysis, and Jim Nantz is a far more interesting play-by-play commentator than Joe Buck.
by Ketawa
Fri Jan 06, 2012 12:22 am
Forum: Investing - Theory, News & General
Topic: Stange Job Interview Questions
Replies: 66
Views: 5273

Re: Stange Job Interview Questions

Here's a question that I got asked at an interview and like a lot: You have two barrels at the top of a hill with a constant slope. They are the same size and weight. One barrel is solid and the other is filled with liquid. If you roll the barrels down the hill, which one gets to the bottom first? ...
by Ketawa
Thu Jan 05, 2012 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Scores
Replies: 27
Views: 2250

Re: FICO Scores

I found it interesting when I recently applied for a new credit card (AMEX Blue Cash Preferred) and they reported my FICO score was 787. However, I did not actually receive the lowest APR of the three possibilities, I had the rate in the middle. Not that this matters much to me since I pay in full e...
by Ketawa
Wed Nov 16, 2011 9:04 am
Forum: Personal Consumer Issues
Topic: Droid X tethering
Replies: 7
Views: 685

Re: Droid X tethering

I would try the EasyTether Pro app. It works great for my Droid Incredible and will give you step-by-step directions on how to get it working. It used to be available only on the Amazon App Store for about $5, but now I think it's up to $10 on both the Android Market and Amazon App Store.
by Ketawa
Sun Nov 06, 2011 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Slicing & Dicing/Tilting - Did You Stop As You Aged?
Replies: 13
Views: 1523

Re: Slicing & Dicing/Tilting - Did You Stop As You Aged?

Thanks for the advice. I do not see myself increasing the number of accounts I have, leaving everything at either Vanguard or the TSP. This is another reason I went with VSS over some of the other ETFs like SCZ or DLS for Intl Small Cap, I'd rather just keep it with one company, not worry about trad...
by Ketawa
Sat Nov 05, 2011 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Slicing & Dicing/Tilting - Did You Stop As You Aged?
Replies: 13
Views: 1523

Re: Slicing & Dicing/Tilting - Did You Stop As You Aged?

Thanks for the input everyone. I could probably do without slicing & dicing my intl stocks, but I like having more opportunities for TLH with the separate funds, the currency diversification benefits, etc. I think that the best plan is one you can stick with, and I'm confident I can stick with t...
by Ketawa
Fri Nov 04, 2011 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Slicing & Dicing/Tilting - Did You Stop As You Aged?
Replies: 13
Views: 1523

Slicing & Dicing/Tilting - Did You Stop As You Aged?

Hello everyone, I'm 24 years old, and my current asset allocation is: 35.28% Total Stock Market (VTI) 15.12% Small-Cap Value (VBR) 5.40% MSCI Europe (VGK) 5.40% MSCI Pacific (VPL) 5.40% MSCI Emerging Markets (VWO) 5.40% FTSE All-World ex-US Small-Cap (VSS) 8.00% REIT (VNQ) 20.00% G Fund It seems com...
by Ketawa
Sat Oct 15, 2011 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: How are TSPers planning to use the Roth option?
Replies: 21
Views: 1946

Also, The Finance Buff has two articles that do a great job breaking down the things to consider. I can't link them (not enough posts yet) but one is called "Roth 401(k) for People Who Contribute the Max" and the other is "The Case Against Roth 401(k)".
by Ketawa
Sat Oct 15, 2011 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: How are TSPers planning to use the Roth option?
Replies: 21
Views: 1946

Personally, I think I am going to split between Roth and Traditional TSP. I think I will contribute enough to Traditional to get my taxable income down into the 15% bracket, then put the rest into Roth. I stilll haven't decided yet if I plan to stay in the military long enough to get the pension, he...
by Ketawa
Mon Aug 22, 2011 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Planning – Roth and TSP
Replies: 6
Views: 954

Thanks for the note on using S Fund to increase small cap exposure, hadn't thought of that. I was also doing some more research and found out I may be able to take advantage of the below strategy. I could increase my allocation into the G Fund for cash needs. I'm not able to link the Wiki entry sinc...
by Ketawa
Mon Aug 22, 2011 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Planning – Roth and TSP
Replies: 6
Views: 954

Re: Portfolio Planning – Roth and TSP

You can go the route of just adding emerging markets. If you want to avoid the purchase fee on that fund, just use Vanguard's Total International (in taxable or Roth IRA) which already contains emerging markets. I think I will focus on G, C, and S funds in my TSP and use my Roth for Vanguard Total ...
by Ketawa
Mon Aug 22, 2011 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Planning – Roth and TSP
Replies: 6
Views: 954

Portfolio Planning – Roth and TSP

Good morning all, This forum has been great and thanks in advance for the advice. I recently finished reading The Bogleheads' Guide to Investing and I'm already chomping at the bit to improve my portfolio. I realized I needed to start managing tax efficiency and start up my TSP, as I'm in the unifor...