Search found 197 matches

by Xanadu
Thu Oct 18, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

Re: PPO vs HDHP + HSA

I often see people trying to decide between HDHP+HSA and a traditional plan, and they are almost always comparing theoretical costs for the next YEAR....I think this is a bit short-sighted. The bigger question to me is, if you go with the traditional health insurance, will it still be earning and c...
by Xanadu
Thu Oct 18, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

Re: PPO vs HDHP + HSA

If I contribute $7,000 to the HSA, I figure I would be saving $2,642 in taxes plus the $1,400 company match, which would be an additional $4,042 in my pocket if I go with the HDHP. Worst case scenario, if I spend the max of $7,000 out of pocket in network, that's $4000 more than I would have spent ...
by Xanadu
Tue Oct 16, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

Re: PPO vs HDHP + HSA

Thank you all for the input. I plan to go with the HDHP/HSA option.
by Xanadu
Mon Oct 15, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

Re: PPO vs HDHP + HSA

My plans have individual and family deductibles. Are the ones you like per individual on the plan or per family? (E.g. if per individual; a $3000 deductible could have you paying as much as $3K*4=$12K per year; there might be a per-plan deductible that limits this down further). They are per family
by Xanadu
Mon Oct 15, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

Re: PPO vs HDHP + HSA

Also, family is healthy overall
by Xanadu
Mon Oct 15, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

Re: PPO vs HDHP + HSA

Do they have the same networks and same coverage? Same network (CareFirst). Coverages are mostly the same with some slight differences: Emergency room - HDHP is 80% after deductible; PPO is $50 then 80% after deductible Office visits (non-preventative care?) - HDHP is 80% after deductible; PPO is $...
by Xanadu
Mon Oct 15, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1470

PPO vs HDHP + HSA

Good afternoon friends, My employer just started offering a High Deductible Health Plan last year, with the option to open an HSA. I believe I would be better off doing the HDHP+HSA, but want to make sure I'm not missing anything. I have 1 spouse and 2 kids (ages 6 & 1) Employer will match $1,400 to...
by Xanadu
Thu Feb 08, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552543

Re: U.S. stocks in freefall

aqan wrote:
Thu Feb 08, 2018 10:46 pm
Xanadu wrote:
Thu Feb 08, 2018 10:32 pm
Cool I’m in the top 5 in the the 2018 Bogleheads contest now :D
the what?
https://www.lostoak.com/ls/diehards/contest/
by Xanadu
Thu Feb 08, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552543

Re: U.S. stocks in freefall

Cool I’m in the top 5 in the the 2018 Bogleheads contest now :D
by Xanadu
Sat Sep 16, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Shiller PE over 30
Replies: 17
Views: 1890

Shiller PE over 30

Shiller PE is over 30 now. Does it even matter? If so, what action should be taken if any? Or just sit back, watch, and stay the course?
by Xanadu
Mon Feb 13, 2017 8:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 440
Views: 49337

Re: Your USER NAME...what does it mean?

When I started my first job, there was an employee that worked for the same corporation with the same first and last name as me and the same middle initial. So when my email was assigned to me, my middle initial was replaced with an "X". Co-workers joked that it stood for Xanadu, and the nickname st...
by Xanadu
Tue Apr 26, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: I-bonds versus mortgage.
Replies: 11
Views: 2013

Re: I-bonds versus mortgage.

If your I bond contributions are counted toward your overall AA, the correct comparison would be the expected rate of return of your portfolio vs your mortgage interest rate. Although the the mortgage rate is guaranteed while the portfolio return is not. Personally, I contribute 10k per year to ibon...
by Xanadu
Sat Mar 05, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How much fed tax do you withhold?
Replies: 22
Views: 2614

Re: How much fed tax do you withhold?

I'm surprised to see so many that try to not owe anything at the end of the year. I would not expect so many Bogleheads to turn down an interest-free loan!
by Xanadu
Fri Mar 04, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much fed tax do you withhold?
Replies: 22
Views: 2614

Re: How much fed tax do you withhold?

I'm thinking 95% is a good target. That way you don't run the risk of owing penalties and you still get a free loan from the government.
by Xanadu
Fri Mar 04, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much fed tax do you withhold?
Replies: 22
Views: 2614

How much fed tax do you withhold?

How much fed tax do you target to withhold from your salary in a given year, as a percentage of Total fed tax due that year?
by Xanadu
Wed Mar 02, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Home Equity
Replies: 23
Views: 2286

Re: Calculating Home Equity

I look up the market price from Zillow.com and then subtract my principal mortgage amount.

You could also use the tax assessment value to use as the price and subtract the principal from that.
by Xanadu
Mon Feb 15, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare taxes owed
Replies: 16
Views: 1888

Re: SS and Medicare taxes owed

Ok thanks, now that makes sense. So then if SS and Medicare tax is tied only to my wages, then does that mean that I will no longer have to pay once I retire? Not necessarily. If you end up with stock options or other deferred income you will pay those taxes when you realize the income, even if you...
by Xanadu
Fri Feb 12, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare taxes owed
Replies: 16
Views: 1888

Re: SS and Medicare taxes owed

Ok thanks, now that makes sense.

So then if SS and Medicare tax is tied only to my wages, then does that mean that I will no longer have to pay once I retire?
by Xanadu
Fri Feb 12, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare taxes owed
Replies: 16
Views: 1888

Re: SS and Medicare taxes owed

Yea you're right, I meant boxes 4 and 6.

No I don't think I overpaid, I'd just like to know to get a better understanding of where all my money goes (i.e. How much to savings, how much to the government, etc.)

Thanks!
by Xanadu
Fri Feb 12, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare taxes owed
Replies: 16
Views: 1888

SS and Medicare taxes owed

How do I determine how much total SS and Medicare tax I owe for the tax year?

Form 1040 seems to only calculate Federal income tax owed (line 63). Is it as simple as adding boxes 4 and 5 on our W2s to determine SS and Medicare owed? Or are there additional adjustments/deductions to consider?

Thanks!
by Xanadu
Sat Feb 06, 2016 9:56 pm
Forum: Investing - Theory, News & General
Topic: XIRR advanced functions with multiple years
Replies: 6
Views: 1901

Re: XIRR advanced functions with multiple years

#Cruncher - thanks for the help! I was not able to get the offset formulas to work correctly, but the address functions did the trick. Although I did have to tweak it a bit, instead of subtracting 1 from the start and end rows, I had to subtract 2 to make it work correctly. I am using excel for mac,...
by Xanadu
Sun Jan 10, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: XIRR advanced functions with multiple years
Replies: 6
Views: 1901

XIRR advanced functions with multiple years

I was wondering if anyone had any helpful tips on how to write formulas to calculate multi-year returns using XIRR in excel. For example I have all my transactions and and dates spanning over a multi-year period in single columns. I then have a summary returns table that displays the return for each...
by Xanadu
Sun Jun 07, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: I Bond purchase vs issue date
Replies: 3
Views: 1027

Re: I Bond purchase vs issue date

My guess is that it would count towards 2015.
by Xanadu
Sun May 17, 2015 10:22 am
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 28
Views: 6540

Re: new i-bond rate?

That's true as long as you were not planning on on maxing out the $10k limit per year and you have factored in the 3 months of interest penalty for early withdrawal.
by Xanadu
Sun May 17, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 28
Views: 6540

Re: new i-bond rate?

I just checked my bond holdings at TD. I-Bonds I purchased last year in May are already earning nothing 0.00%. Does this make sense? So I would be best cashing these out in early August, correct? No, I think that's just because inflation is negative for the time being. Wait another six months to se...
by Xanadu
Wed Feb 18, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: Composition of world equity markets 1899 v 2014
Replies: 8
Views: 1844

Re: Composition of world equity markets 1899 v 2014

Image

Dang, I guess stemikger was right all along :P
by Xanadu
Wed Feb 18, 2015 7:56 pm
Forum: Investing - Theory, News & General
Topic: Multiple asset classes for Tax Loss Harvest purposes?
Replies: 6
Views: 722

Re: Multiple asset classes for Tax Loss Harvest purposes?

livesoft wrote:For instance, last year I sold VWO (emerging market index) in a tax-advantaged account and then bought it in a taxable account. VWO dropped after that, so I TLH'd it. If I had left it in tax-advantaged I would not have been able to tax-loss harvest it.
How'd ya know it was gonna drop?
by Xanadu
Thu Dec 04, 2014 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1902

Re: Miscellaneous 401k fees

Shouldn't they have to disclose what specifically that money is used for and how it is allocated? They are not legally required to itemize it on your statement with payees and purposes. They already said it's allocated equally to every account. There's a summary annual report at the plan level. I c...
by Xanadu
Thu Dec 04, 2014 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1902

Re: Miscellaneous 401k fees

what company? It is a utility company. I will leave it at that. Or did you mean the company that services my 401k? In that case, it was JP Morgan, but they just sold there financial services division to Great-West Financial effective Aug 30th. Perhaps that has something to do with the extra fees?
by Xanadu
Thu Dec 04, 2014 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1902

Re: Miscellaneous 401k fees

macheta wrote:what company?
It is a utility company. I will leave it at that.
by Xanadu
Thu Dec 04, 2014 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1902

Re: Miscellaneous 401k fees

It's probably a TPA, recordkeeper or advisor fee. Is it taken on a consistent basis, such as quarterly? It's a common practice in the industry. No, these are not quarterly. There is a different quarterly fee which is also described in the fee disclosure document: "The Plan divides total recordkeepi...
by Xanadu
Wed Dec 03, 2014 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1902

Miscellaneous 401k fees

I was just reviewing my 401(k) transaction history and noticed $102 in extra fees spread out at random dates throughout the year. The descriptions simply say "Fees - Other". I was scratching my head trying to figure this out, and then noticed this paragraph in this fee notice disclosure: "Additional...
by Xanadu
Wed Mar 12, 2014 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 788

Re: Turbotax Property Tax issue

Thanks for pointing me in the right direction. Funny how you spend an hour on the phone with a "tax expert" and don't get a resolution, but the Bogleheads figured it out for me in 15 minutes. :beer p.s. I never did get a call back today from them like they said I would. :twisted: oh well, I gave the...
by Xanadu
Wed Mar 12, 2014 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 788

Re: Turbotax Property Tax issue

I'm thinkin' its probably related to the AMT. Turbo Tax states in the common questions section: "In calculating the AMT, you cannot take itemized deductions for state and local income tax, real estate taxes and personal property taxes, even though these are deductible on your regular return." Sounds...
by Xanadu
Tue Mar 11, 2014 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 788

Re: Turbotax Property Tax issue

Yes we are subject to The AMT. And, yea pretty sure the itemized deductions are greater than the standard deduction. Too tired right now to troubleshoot this anymore tonight, but will take a look at the AMT and standard deduction tomorrow. Also supposed to get a call back from a TT specialist. Thank...
by Xanadu
Tue Mar 11, 2014 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 788

Turbotax Property Tax issue

Doing my taxes, and put $4,266.74 paid in real estate taxes on turbotax. It adjusted my state tax refund, but did nothing to my federal. I tried all kinds of different numbers, but didn't make a lick of difference. Am I correct that any real estate (property) tax paid during the tax year should be t...
by Xanadu
Mon Feb 10, 2014 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 529 as part of AA question
Replies: 19
Views: 1569

Re: 529 as part of AA question

This is a poll I created some time ago. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=102318 I ended up including as my overall portfolio. Reasons include: 1) easier to manage 1 portfolio vs 2 2) allows me to keep a lower expense ratio overall due to limited fund options in other retirement ac...
by Xanadu
Tue Jan 14, 2014 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return Fund has negative cash??
Replies: 3
Views: 1022

PIMCO Total Return Fund has negative cash??

One of my old 401Ks just switched my bond fund to PIMCO Total Return Inst Fund (PTTRX). I was reviewing the fund information in my 401k plan, and it shows that the fund's composition consists of -71.89% cash. Whats up with that? Does that mean they're borrowing money to buy bonds?? Not really sure w...
by Xanadu
Sun Dec 22, 2013 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bad Time to Jump In?
Replies: 37
Views: 4428

Re: Bad Time to Jump In?

In your situation, I would go with a tIRA, then convert to a Roth. (Try searching for "backdoor Roth", and you will see why)
by Xanadu
Tue Nov 12, 2013 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Do you have a warchest for a correction?
Replies: 30
Views: 3485

Re: Do you have a warchest for a correction?

Noobvestor wrote:I suppose I could sell my kidney on the black market if the stock market drops 90% ...
How do you know that kidney prices aren't highly correlated with the stock market? Your kidney may plunge in value as well!
by Xanadu
Mon Nov 11, 2013 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have a warchest for a correction?
Replies: 30
Views: 3485

Re: Do you have a warchest for a correction?

If by warchest you mean a portion of my AA set aside for bonds, then yes I do have a warchest :happy
by Xanadu
Tue Oct 22, 2013 9:04 am
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 322
Views: 43797

Re: Shiller PE10 nearing nosebleed territory?

Shiller PE just broke 25! Sell! Sell! Sell!

Just kidding. Stay the course. :happy
by Xanadu
Tue Oct 08, 2013 3:45 pm
Forum: Investing - Theory, News & General
Topic: Series EE Savings Bonds Rates
Replies: 6
Views: 1315

Re: Series EE Savings Bonds Rates

Mel Lindauer wrote: As for the I Bond rate, which is also announced on May 1st and Nov. 1st, only the inflation adjustment portion of the composite rate can be figured out in advance...
Has anyone figured out what the new inflation adjustment portion will be yet?
by Xanadu
Sat Aug 31, 2013 4:25 pm
Forum: Investing - Theory, News & General
Topic: Is it this easy: Stocks are safe, bonds are risky?
Replies: 59
Views: 4923

Re: Is it this easy: Stocks are safe, bonds are risky?

nisiprius wrote: b) Flip a coin. If it comes up tails, you must give him the whole $100,000. If it comes up tails he gives you $101,000.
And what if it comes up heads?
by Xanadu
Mon Jul 08, 2013 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't get company match on last pay check
Replies: 9
Views: 1513

Re: Didn't get company match on last pay check

Yes, it was. I decided to treat myself to a 3 day weekend before starting my new job the following Monday. I'll check with Payroll. Thanks!
by Xanadu
Mon Jul 08, 2013 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't get company match on last pay check
Replies: 9
Views: 1513

Re: Didn't get company match on last pay check

I worked 9 out of 10 business days
by Xanadu
Mon Jul 08, 2013 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't get company match on last pay check
Replies: 9
Views: 1513

Didn't get company match on last pay check

I recently changed jobs and was just reviewing my final pay stub from my former company. I noticed that my reoccurring 401k contribution was not deducted from my income, and therefore I missed out on my normal 4% company match on that last pay period. Is this standard protocol? Should I confront the...