Search found 323 matches

by BogleAlltheWay
Wed Dec 13, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

Someone told me rule of thumb At extremes (rare use vs maxing rxpense), hdhp is favorable. In the middle, calculation may be helpful That makes sense. I don't have any cronic conditions so its a risk/reward. I have concluded, hopefully right,the range is relatively narrow. The worst case, I think, ...
by BogleAlltheWay
Tue Dec 12, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

I am trying to figure out what is about the break point financially between 2 health care plans for myself only. Might be worth putting your numbers into a couple of comparison tools, e.g., Health Savings Account (HSA) vs. Traditional Health Plan and the 'HDHP Analysis' tab of the personal finance ...
by BogleAlltheWay
Tue Dec 12, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

Hi all , I am trying to figure out what is about the break point financially between 2 health care plans for myself only. Both have 2k deductible HDHP: 1,400 a year cheaper(include tax break) 50% coinsurance + I can max max out HSA ($3,450) office vists I have to pay all PPO: 30% coinsurance and of...
by BogleAlltheWay
Tue Dec 12, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

Hi all , I am trying to figure out what is about the break point financially between 2 health care plans for myself only. Both have 2k deductible HDHP: 1,400 a year cheaper(include tax break) 50% coinsurance + I can max max out HSA ($3,450) office vists I have to pay all PPO: 30% coinsurance and of...
by BogleAlltheWay
Tue Dec 12, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

Assuming you are in the 25% tax bracket and you already max your 401k, the HSA tax break gives you an ~$900 including state taxes (if not in CA) and FICA. The HDHP has a $2300 head start. How do the Out of Pocket Max compare for the two plans? The Out of Pocket Max is $100 more for the HDHP. About ...
by BogleAlltheWay
Tue Dec 12, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

The Out of Pocket Max is $100 more for the HDHP. About how much is the added value in that the HSA can grow tax free? I would go with the HDHP. Lots of upside with the only downside being $100 at the most. Possible benefit of tax free growth depends on time in the market and what you invest in. Suf...
by BogleAlltheWay
Tue Dec 12, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

Assuming you are in the 25% tax bracket and you already max your 401k, the HSA tax break gives you an ~$900 including state taxes (if not in CA) and FICA. The HDHP has a $2300 head start. How do the Out of Pocket Max compare for the two plans? The Out of Pocket Max is $100 more for the HDHP. About ...
by BogleAlltheWay
Tue Dec 12, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

If you're someone who goes to the doctor everytime you have the sniffles or you have a chronic condition that requires maintenance it might make sense to go with a PPO but I think most healthy people would be better off with a HDHP. In my case I went with a HDHP because the only situation I found i...
by BogleAlltheWay
Tue Dec 12, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

Re: HDHP with HSA vs PPO breakeven point

Depends on how your health is, how many visits do you typically have in a year, do plans cover both specialists and general practitioners at same rate? It’s too little information to tell break even point. Visit: once a year for a checkup I currently don't have any prescriptions. specialists and ge...
by BogleAlltheWay
Tue Dec 12, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 989

HDHP with HSA vs PPO breakeven point

Hi all , I am trying to figure out what is about the break point financially between 2 health care plans for myself only. Both have 2k deductible HDHP: 1,400 a year cheaper(include tax break) 50% coinsurance + I can max max out HSA ($3,450) office vists I have to pay all PPO: 30% coinsurance and off...
by BogleAlltheWay
Wed Dec 06, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Creatures of Coherence: Why We're So Obsessed With Causation
Replies: 3
Views: 320

Re: CREATURES OF COHERENCE: WHY WE'RE SO OBSESSED WITH CAUSATION

That was interesting. The other thing to remember is that news organizations are trying to sell papers or nowadays clicks.
by BogleAlltheWay
Wed Dec 06, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 178
Views: 32663

Re: Best HSA (2017)

I can tell you why I don't and choose to go HSA Bank instead. $0 fees. That's right, not $15 for one trade. $0. I hold $5k in my HSA Bank acct which culminates in waived account management fees. Then I set up the corresponding TD Ameritrade account and have 100+ ETFs to invest in with no trading co...
by BogleAlltheWay
Tue Dec 05, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Valuing today's money in terms of future invested value?
Replies: 6
Views: 262

Re: Valuing today's money in terms of future invested value?

IMO if you are saving that much money I would make the purchase. It is good to look at money in terms of future value, but there has to be a balance.
by BogleAlltheWay
Sat Dec 02, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1182

Re: Best HSA custodian for my situation

[quote=BogleAlltheWay post_id=3642958 time=<a href="tel:1512141956">1512141956</a> user_id=121102] [quote=jhfenton post_id=3642517 time=<a href="tel:1512097597">1512097597</a> user_id=65127] As I've posted in the big Lively thread, I've been very happy so far in my 6 weeks their. Their online appli...
by BogleAlltheWay
Fri Dec 01, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1182

Re: Best HSA custodian for my situation

As I've posted in the big Lively thread, I've been very happy so far in my 6 weeks their. Their online application is easy as pie, and their customer service is very responsive. And while I would have preferred Vanguard ETFs, I am fine with the SPDR Core Portfolio ETFs. In my case, I'm using SPEM (...
by BogleAlltheWay
Thu Nov 30, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1182

Re: Best HSA custodian for my situation

b4nash wrote:
Wed Nov 29, 2017 10:27 pm
Could also consider Lively, also at $30/year if you are investing.

viewtopic.php?t=228522
Lively does look like a great option.
They are removing Vangaurd from there commission free list but they have equivalent funds.
by BogleAlltheWay
Wed Nov 29, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1182

Best HSA custodian for my situation

Hi all, I am going to open up an HSA account for the 1st time this year and I have been researching various custodians. I plan on using the HSA as another retirement account and likely will not be taking out money for many years. Age: 33 Single and planning to get married but I will be the only one ...
by BogleAlltheWay
Wed Sep 20, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1374

Re: Where do mid-caps fit it?

You guess. That's actually the best answer, because no one knows which segment of the market is going to perform better over the next 5, 10, or 20 years. It's expected that, because small stocks tend to be more volatile than large stocks, they will, over the long haul, out-perform large stocks. Not...
by BogleAlltheWay
Wed Sep 20, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1374

Re: Where do mid-caps fit it?

large/mid/small cap labels are arbitrary and used differently by different index and fund providers - so I don't see any reason to target set percentages of them for their own sake. What are you looking to accomplish in your portfolio strategy? Once you know that you don't need recommended targets ...
by BogleAlltheWay
Wed Sep 20, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1374

Re: Where do mid-caps fit it?

large/mid/small cap labels are arbitrary and used differently by different index and fund providers - so I don't see any reason to target set percentages of them for their own sake. What are you looking to accomplish in your portfolio strategy? Once you know that you don't need recommended targets ...
by BogleAlltheWay
Tue Sep 19, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1374

Re: Where do mid-caps fit it?

From what I have read on here, it seems the majority of posters are at market weight or 50% large and 50% small.
by BogleAlltheWay
Tue Sep 19, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1374

Where do mid-caps fit it?

Hi all, I have read many past posts that describe sample portfolios. For example, the Coffee House portfolio calls for the equity portion to be 25% large cap 25% large value 25% small cap 25% small value Large cap and small cap funds have mid caps mixed in but how I do I tell how much of each large,...
by BogleAlltheWay
Thu Sep 14, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 94
Views: 12717

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

The fact fund managers did not line up to take the bet tells me all I need to know.
by BogleAlltheWay
Sat Sep 02, 2017 1:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18389

Re: [Are the Bogleheads] getting less interesting?

There is only so much you need to know to follow the Boglehead philosophy and only so many financial questions that can be asked. Things don't change much as compared to other topics. For example , if you trade stocks often, there is always new information and new stocks to research. other popular d...
by BogleAlltheWay
Fri Aug 11, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7596

Re: "Honesty like that is rare!"

I am surprised that they did not tilt. That gives the look of sophistication and there are many supporters of tilting.
by BogleAlltheWay
Fri Aug 11, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

Mutual funds are priced at "net asset value"; this means that the price is determined by the current value of the assets. If you withdraw $884 from the mutual fund (which is the correct value of this bond if its yield is 2.5%), then the mutual fund must sell assets for $884 to pay you. With the fun...
by BogleAlltheWay
Fri Aug 11, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks for fun
Replies: 24
Views: 1897

Re: Individual stocks for fun

I honestly don't get the concept of "fun" money. Disclosure: I'll buy lottery tickets, because winning $300M would be life changing; I know the odds, but I can't fantasize if I don't own at least one ticket, which is cheaper than a movie ticket. Doubling $500, or even going 10x on $500 doesn't remi...
by BogleAlltheWay
Fri Aug 11, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

Mutual funds are priced at "net asset value"; this means that the price is determined by the current value of the assets. If you withdraw $884 from the mutual fund (which is the correct value of this bond if its yield is 2.5%), then the mutual fund must sell assets for $884 to pay you. With the fun...
by BogleAlltheWay
Fri Aug 11, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

For the simplest example, consider a zero-coupon bond. If a five-year zero-coupon bond will pay you $1000 at maturity, and the bond is currently worth $906, then the bond yield is 2%, because $906 invested for five years at 2% interest would become $1000. If the bond price drops to $863, then the b...
by BogleAlltheWay
Thu Aug 10, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

Why do bonds funds go down when interest rates rise? Why isn't the expected interest rate already priced into the fund? When the price of a bond falls, the yield on that bond rises; this is determined by a mathematical formula. If a bond with a 5-year duration and a 2% yield is worth $1000, then wh...
by BogleAlltheWay
Thu Aug 10, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

"Open end" Fund-price should mostly/only reflect the market value of the underlying assets? "Closed end" Fund-price can trend well above or well below the market value of the underlying assets? If lots of sales of mutual fund shares drive down the prices of the underlying assets(funds having to sel...
by BogleAlltheWay
Wed Aug 09, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

livesoft wrote:
BogleAlltheWay wrote:..., but are those same "expectations" priced anywhere into a bond fund?
So the charts I posted were not convincing enough?
I am not disagreeing. Are the expectations priced into the individual bonds or the the price people are willing to pay for the fund?
by BogleAlltheWay
Wed Aug 09, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

Hi all, Why do bonds funds go down when interest rates rise? Why isn't the expected interest rate already priced into the fund? For example, Amazon has growth priced into its stock. "Expectations" are not directly priced into a mutual fund. The price (NAV) of a mutual fund is the composite prices o...
by BogleAlltheWay
Wed Aug 09, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

The expected interest rate rise is ALREADY priced into bond funds. I have been reading about the "bond bubble" and moving asset allocation into short term bonds or cds. One example: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=224687 If I had done that when I first started hearing about a ...
by BogleAlltheWay
Wed Aug 09, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Re: Bonds and Interest rates increase

livesoft wrote:The expected interest rate rise is ALREADY priced into bond funds.
I have been reading about the "bond bubble" and moving asset allocation into short term bonds or cds.
One example: viewtopic.php?f=10&t=224687
by BogleAlltheWay
Wed Aug 09, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2903

Bonds and Interest rates increase

Hi all,

Why do bonds funds go down when interest rates rise? Why isn't the expected interest rate already priced into the fund?
For example, Amazon has growth priced into its stock.
by BogleAlltheWay
Tue Aug 08, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 2110

Re: Computer hacked - What to do?

Like the comment posted above: Has anyone called and said someone from Microsoft, Dell, HP, etc... telling you there's something wrong with your computer and they can help you fix it? If so this is how they got in. I know how they got it. A number popped up on a browser window(either from an email ...
by BogleAlltheWay
Tue Aug 08, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 2110

Re: Computer hacked - What to do?

Thanks for all the replies. I will wipe the computer clean to be safe. From what I gathered, it seems they were only trying to get money as opposed to information on the computer.
by BogleAlltheWay
Mon Aug 07, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 2110

Re: Computer hacked - What to do?

I hope by clean, you mean obliterated the whole disk and started from scratch. With how complex these issues are nowadays, sometimes you won't know what happened until months later. Be safe and just wipe/reinstall. I'd freeze all credit reports and put an identity theft monitor on the accounts. Cha...
by BogleAlltheWay
Mon Aug 07, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 2110

Computer hacked - What to do?

Hi all, Someone I know called one of those numbers that pop up on a website saying you have a virus. The person was able to get control of the computer via LogMeIn. I know for sure their was a photo a drivers licence and luckily no banking is done on that computer. I cleaned the computer, but what o...
by BogleAlltheWay
Mon Jul 24, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 35542

Re: John Bogle Has Been Right About Investing In International Stocks

I don't see how Bogle being right means we should not invest much internationally. Just look at what happen to Japan, where the stock market was higher in 1989 than today. How do we know what the future holds?
by BogleAlltheWay
Mon Jul 24, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2976

Re: Italy in August Trip (Rome, Florence, Venice)

There is also the Leaning Tower of Pisa.
In Venice they have glass blowing and several mask shops.
by BogleAlltheWay
Thu Jul 20, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: new Bogle written interview on marketwatch.com today 7/20/17
Replies: 17
Views: 1947

Re: new Bogle written interview on marketwatch.com today 7/20/17

In this interview today on marketwatch.com by Paul Merriman he writes that Mr. Bogle advocates the major indices like the S&P 500 for people because people get very disappointed when their investments do not track the market in general. He wrote that Bogle said people are more concerned with tracki...
by BogleAlltheWay
Mon Jul 17, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: "The Worst ETFs You Can Own"
Replies: 38
Views: 3677

Re: "The Worst ETFs You Can Own"

See also Inverse and leveraged ETFs which includes an illustration of how a 2X leveraged ETF not only failed to earn double the returns of a plain S&P 500 fund, it actually earned less than the unleveraged fund. https://www.bogleheads.org/w/images/5/55/Vfinx-beats-sso.png Looking at the chart, it a...
by BogleAlltheWay
Mon Jul 17, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 2585

Re: Working in New York City and living in NJ: Taxes

The only tax deductions in NJ are medical expenses and NJ property taxes (or a prorated share of the rent if you rent in NJ); NY has essentially the same deductions as federal tax except for state tax. NY also has larger exemptions and standard deductions. Thus, if you live in NJ, you will pay tax ...
by BogleAlltheWay
Sun Jul 16, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 2585

Re: Working in New York City and living in NJ: Taxes

Do your taxes both ways using online tax prep software. If you don't file the forms, you shouldn't have to pay for doing so. The software alone will not suffice; you need to read the instructions for the tax forms. In particular, the software will allow you to enter the wrong number for your salary...
by BogleAlltheWay
Sun Jul 16, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 2585

Re: Working in New York City and living in NJ: Taxes

Are there any other major tax deductions differences outside of the medical expenses, traditional IRA, 403b and HSA? For 100k AGI does that mean I would lose out on 2k *(6.37%nj tax rate) ~ $125 of medical tax benefits? The only tax deductions in NJ are medical expenses and NJ property taxes (or a ...
by BogleAlltheWay
Sun Jul 16, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 2585

Re: Working in New York City and living in NJ: Taxes

Does it matter in which state more of the income is earned? Are there any tax benefits for having the income in two states? For example, assuming health care plans are equal, is it better to have the health care plan in NYC due it guaranteed to be tax deductible? Or is there any tax benefit of favo...
by BogleAlltheWay
Sat Jul 15, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 2585

Re: Working in New York City and living in NJ: Taxes

Another tax issue is that you can only take a credit of your NY tax against your NJ tax for income taxed by both states. For example, if your NJ income is $100K and NY taxes $80K of that income, your credit for NY tax is the lesser of 80% of your NJ tax, or 100% of your NY tax. NJ taxes contributio...
by BogleAlltheWay
Sat Jul 15, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3835

Re: What am I missing here? [I'm a bachelor]

There are plenty of people on here who know more than I do and I have never owned a home. Here is a link to NY Times Buy or rent calculator. https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html It is a worth it money wise to buy a house in some situations. Often it is a break eve...