Search found 340 matches

by BogleAlltheWay
Sat Feb 10, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 15183

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

Although 70% is a high number, it makes sense when you take into account that there is a 40% chance of a correction In any year and the current enviorment. As he mentioned stocks are highly value and interest rates are low.
by BogleAlltheWay
Tue Feb 06, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Total International Index funds
Replies: 8
Views: 1260

Re: Total International Index funds

In this case it is probably more due to looking at prices from different times rather than a currency effect. Stock prices (including US-listed foreign stock ETFs) went down in the US late in the trading day yesterday, after foreign markets had closed. The losses seen in foreign markets today are l...
by BogleAlltheWay
Tue Feb 06, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Total International Index funds
Replies: 8
Views: 1260

Total International Index funds

Why are Total International Index funds are up today when the world's markets had a bad day today?
by BogleAlltheWay
Wed Dec 27, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Housing values
Replies: 9
Views: 1012

Re: Comparing Housing values

One (certainly oversimplified and therefore wrong, but perhaps still useful) way to compare would be to ask how much money you'd need to have right now to purchase each house outright, and have enough left over to pay the property taxes ~forever. Applying a 4% withdrawal rule for each $10k of annua...
by BogleAlltheWay
Wed Dec 27, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Housing values
Replies: 9
Views: 1012

Re: Comparing Housing values

chevca wrote:
Wed Dec 27, 2017 1:48 pm
These would likely be far apart, right? I don't see taxes being that different in neighboring cities.

Where would you like living better? Personally, I'd look more at that part of it. Saving on taxes, but not liking where you live may be miserable.
NY and NJ :)
by BogleAlltheWay
Wed Dec 27, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Housing values
Replies: 9
Views: 1012

Re: Comparing Housing values

Be aware the calculator is programmed to take into account the mortgage-interest tax deduction but has not been updated for the recent change to the tax code. I don't know if this would make a practical difference in the result, could be it would even out and tax result would be the same impact eit...
by BogleAlltheWay
Wed Dec 27, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Comparing Housing values
Replies: 9
Views: 1012

Re: Comparing Housing values

Put both scenarios through the NYT rent vs buy calculator, note down the total cost to own for each, say over 10 years. I recommend doing this on a computer screen (I can't see that output on mobile) I used the calculator and after 30 years it appears that a 400K in with house (~2% property tax) wa...
by BogleAlltheWay
Tue Dec 26, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Housing values
Replies: 9
Views: 1012

Re: Comparing Housing values

Good idea. Thanks.
by BogleAlltheWay
Tue Dec 26, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Housing values
Replies: 9
Views: 1012

Comparing Housing values

Hi all, I am trying to figure out the break even point of comparing houses which vastly different property taxes. For example, say I can buy the same houses in one market for 600K and another market for 500k, each with a 120k down payment. However, my monthly mortgage is the same for both due to hig...
by BogleAlltheWay
Tue Dec 26, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: New Tax Plan and future stock returns
Replies: 18
Views: 995

Re: New Tax Plan and future stock returns

Hi all, How can the US stock returns be good in the near future(10 years or so) due to their high valuation and the risk that the next or next administration raises the corporate tax ? Here's my take: 1) U.S. stock returns won't be good in the near future if there's not a crash big enough to scare ...
by BogleAlltheWay
Tue Dec 26, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: New Tax Plan and future stock returns
Replies: 18
Views: 995

Re: New Tax Plan and future stock returns

Hi all, How can the US stock returns be good in the near future(10 years or so) due to their high valuation and the risk that the next or next administration raises the corporate tax ? How was it possible for the market to have come roaring back from 2009 to now, with the sky-high corporate tax rat...
by BogleAlltheWay
Tue Dec 26, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: New Tax Plan and future stock returns
Replies: 18
Views: 995

Re: New Tax Plan and future stock returns

It is pretty easy to see what is going to happen when one steps back and looks at the BIG PICTURE: $1,500,000,000,000 are being borrowed out of thin air and will end up increasing stock prices. It is really as simple as that. We have seen something almost as simple before, but the names and amounts...
by BogleAlltheWay
Tue Dec 26, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: New Tax Plan and future stock returns
Replies: 18
Views: 995

New Tax Plan and future stock returns

Hi all,

How can the US stock returns be good in the near future(10 years or so) due to their high valuation and the risk that the next or next administration raises the corporate tax ?
by BogleAlltheWay
Mon Dec 25, 2017 9:59 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 9171

Re: My Christmas Present to You

Thank you for your service and Merry Christmas
by BogleAlltheWay
Wed Dec 20, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58218

Re: Tax Bill Omnibus Thread

Does the new tax plan affect decisions to contribute 401k or Roth 401k?
by BogleAlltheWay
Wed Dec 20, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket Borderlines
Replies: 4
Views: 723

Re: Tax Bracket Borderlines

This is based on a fundamental misunderstanding of how brackets work. Each bracket applies only to income in that bracket. If you are at the top of the 15% bracket, and then your taxable income rises by $1000, you pay 25% tax only on that $1000, so you get to keep $750 more. There are a few absolut...
by BogleAlltheWay
Wed Dec 20, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket Borderlines
Replies: 4
Views: 723

Tax Bracket Borderlines

Hi all, People they do X to avoid going into a higher tax bracket. It makes sense if you expect to be in a lower tax bracket in the future. For example, someone mentioned to me that it may be financially beneficial to take a more costly health care plan to keep the person out of a higher bracket. Is...
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: 1386

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: 1386

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: 1386

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: 1386

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: 1386

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: 1386

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: 1386

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: 1386

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: 1386

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: 1386

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: 382

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: 190
Views: 40337

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: 362

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: 1717

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: 1717

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: 1717

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: 1717

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: 1634

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: 1634

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: 1634

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: 1634

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: 1634

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: 14024

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: 21958

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: 8224

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: 3503

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: 2357

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: 3503

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: 3503

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: 3503

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: 3503

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: 3503

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: 3503

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...