Tax, Worth considering.

Pay No Tax When Shopping Online

We do a lot of shopping these days especially during the holidays like Christmas. The more you buy, the more taxes you pay which can be huge if you are a typical American consumer. Most of us spend around 8% in tax for the stuff you buy unless you live in the states like Alaska that don't make you pay… Continue reading Pay No Tax When Shopping Online

Retirement, TSP

TSP Withdrawal Options After Retirement

There are three options. Single payment Monthly payments Life annuities   Single payment You can withdraw your entire TSP account balance in a single payment. You may roll over to investment firms like Vanguard for more flexibility, but you will be paying more fees.Monthly payments. Two ways to do this. Monthly payments computed by the… Continue reading TSP Withdrawal Options After Retirement

Worth considering.

Amazon Products Worth Considering

  Try Amazon Prime 30-Day Free Trial Shop Amazon - Give the Gift of Amazon Prime - Read eBooks using the FREE Kindle Reading App on Most Devices Join Amazon Kindle Unlimited 30-Day Free Trial AmazonFresh Shop Amazon - Used Textbooks - Save up to 90% Shop Amazon Outlet - Clearance, Markdowns and Overstock… Continue reading Amazon Products Worth Considering


2018 Tax Reform, What it means to you?

          Are you wondering if you are going to benefit from the new tax reform? Here is a tool to find out. First, from your gross pay deduct Nontaxable wages   [Dental, medical, HSA, Uniform allowance etc] Tax-deferred wages    [401-k, 403-b, TSP contributions] This calculation will give you Taxable income.  … Continue reading 2018 Tax Reform, What it means to you?


Number one reason to keep your money in TSP

Tsp charges you very lower fees compared to any other investment firm. Higher expenses are a massive drag on your investment return. Here is an example Let's assume that you have 250000 invested, adding 18000 yearly and expecting an 8% gain. Tsp charges you 0.038 % of your account balance/year while the other firm charges you… Continue reading Number one reason to keep your money in TSP


Why I like vanguard balanced fund VWIAX

It handled the 2001 and 2007 crash very well Even though it has increased % of bonds. It performed better than other funds with a much lower bond ratio. It is ideal if you are beginning to invest when the market is very high. Lower fees for an actively managed fund. Steady returns. Survived two major… Continue reading Why I like vanguard balanced fund VWIAX


Tool to calculate total ER of a portfolio

You may have multiple mutual funds with various ER in your portfolio. For example,  you may have VTSAX at 0.05 ER that holds 68% and VGTSX at 0.18 ER that holds 32% of the portfolio. Calculating total ER for your portfolio is made easy with this online tool. Here is the link to the online… Continue reading Tool to calculate total ER of a portfolio