Search found 416 matches

by danaht
Sat Nov 11, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2750

Re: DIY vs work extra and pay a pro

If it's dangerous - like getting on a tall ladder - that is a good reason to let the pros do it. Otherwise - I like to do it myself. But I am also limited to 40 hours a week - so I can't easily make up for it at work like you can. Also, you may have to deal with 1099s at tax time if you have a reall...
by danaht
Sat Nov 11, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Losing HSA eligibility. Choosing a good alternative
Replies: 8
Views: 728

Re: Losing HSA eligibility. Choosing a good alternative

Since you don't work - you could: 1) Start your own business doing something part time (just enough to make a little money) 2) Open up a solo 401k that allows a transfer- start contributing to it with some of the income from #1 3) Transfer - roll-over your pre-tax IRAs to the solo 401k Then you are ...
by danaht
Fri Nov 10, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks
Replies: 22
Views: 1383

Re: Individual Stocks

Thanks! Any thoughts on Dividend Aristocrats? Yeah. My thoughts are that they aren't very different from the rest of the stock market. That is probably because the largest stocks in the S&P 500 are all mostly dividend aristocrats - except for a few companies like GE (cut dividend in 2009), and BRK ...
by danaht
Sat Oct 28, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18397

Re: Early-retired 35 year old with $1 million

A $400,000 home seems like it could be a lot of money for maintenance, insurance, and real estate taxes. You can probably retire at 35 with a million dollars - but you might need to downsize that home if you want to stay retired. Besides income and payroll taxes, my home (~$270,000 in value) is my b...
by danaht
Mon Oct 23, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12870

Re: new 401(k) limits announced

Glad 401k limit was increased. But, it's also a little disappointing that the Roth IRA contribution limit stayed at $5500 - it has been at that level since 2013.
by danaht
Sun Oct 22, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Royal Dutch Shell Scrip Dividend Program(me)
Replies: 2
Views: 344

Re: Royal Dutch Shell Scrip Dividend Program(me)

It's common for the Scrip program to get discontinued and restarted based on the oil cycle. Usually in downturns - like right now - Shell likes to have the Scrip program activated - so it can conserve cash and pay the dividend in stock rather than cash. So my guess is that the Scrip program will tem...
by danaht
Sun Oct 22, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: HSA taxation in Calif
Replies: 21
Views: 1727

Re: HSA taxation in Calif

If I ever decide to move to CA or another state that does not recognize HSA accounts - I hope I can do one thing the year before the move: Sell all my ETF positions in my HSA with capital gains and re-buy the same or similar ETFs. This way the HSA capital gains would be locked in with the previous s...
by danaht
Thu Oct 19, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 29
Views: 2936

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Do you not have a no fee option? I've got HSA Bank and TDA, and if my HSA Bank balance is $5k or higher, there are no monthly fees. I don't think it's worth saving $5.50 a month to park $5,000 instead of investing it, right? If you treat the cash as a bond instrument why not? My TDA account is 100%...
by danaht
Tue Oct 17, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38142

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

.. That said, my big complaints are: 1) Some of these (e.g., USRT v. VNQ) have historically under-performed the comparable Vanguard fund over a ~5-10 year period. .. I think USRT will start outperforming VNQ soon. reason: Vanguard is changing VNQ's index to include infrastructure REITs like AMT (Am...
by danaht
Tue Oct 17, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38142

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

deltaneutral83 wrote:
Tue Oct 17, 2017 3:39 pm
I do not see any VNQ substitute.
Here is the soon to be commission free replacement for VNQ: USRT
The iShares Core U.S. REIT ETF has an expense ratio of .08% and it also appears to be a great substitute for VNQ.
by danaht
Tue Oct 17, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 458
Views: 38142

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For every Vanguard ETF that I hold in my HSA - there is a State Street alternative to buy in the new list. It's all good.
by danaht
Sat Oct 14, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13012

Re: New HSA provider Lively offers investments for $30/yr fee

I am staying with HSA Bank for now. HSA Bank will not charge any fees as long as you leave ~$5500 in their savings account. The rest of the money can be invested in TD Ameritrade - just like Lively. I treat the $5500 as part of my emergency savings - so I am OK with not investing that. I don't know ...
by danaht
Sat Sep 30, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest in O [Realty Income Corp] for dividend yield?
Replies: 8
Views: 1090

Re: Would you invest in O [Realty Income Corp] for dividend yield?

No and Yes. No, I would not buy the stock now. But - yes I would buy O - depending on the price of the stock in the future. The current price for O is a little expensive - so I would wait for a pull back in the price. I tend to buy O when O yields 5% or more in their dividend yield (yes, i know this...
by danaht
Sat Sep 30, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 51
Views: 4797

Re: Comfort level re: tracking at physical shopping centers

Or you can use their WIFI - as long as you protect your privacy with a VPN connection. One way to do this is to setup your home router so that you can VPN into it. Once your using a secure VPN connection - their network can no longer track you. They track your location by pinging the wifi on your p...
by danaht
Sat Sep 30, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Share buybacks vs Dividends
Replies: 102
Views: 4871

Re: Share buybacks vs Dividends

Which is better depends a lot on the corporation type: For a normal C-Corporation - stock buyback is usually a better option. For dividends - the company has to pay income taxes on those dividends and the shareholders also have to pay a long (or short) term capital gains tax as well (it's double tax...
by danaht
Tue Sep 26, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 51
Views: 4797

Re: Comfort level re: tracking at physical shopping centers

Or you can use their WIFI - as long as you protect your privacy with a VPN connection. One way to do this is to setup your home router so that you can VPN into it. Once your using a secure VPN connection - their network can no longer track you.
by danaht
Sat Sep 09, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8810

Re: Protecting moms assets from nursing home expenses

74 is too young for a nursing home. She would be better off focusing on health (diet, and exercise) in order to get the best quality of life + being able to avoid a nursing home longer.
by danaht
Sat Sep 09, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11784

Re: Anyone else freeze their credit score?

I change electricity providers every three months in TX. They always run a credit check when you do this (even if you were a prior customer). So, I probably will not be freezing my credit. However, I will monitor my credit activity every week (for the next 10 years)
by danaht
Sat Sep 09, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3693

Re: At what point would you considering Umbrella Insurance

I think everyone should have some Umbrella insurance once they have $250,000 (or more) of assets that are not in a protected account (like a 401k).
by danaht
Sat Sep 09, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25224

Re: Name something you had to have and now you regret purchasing it?

Airline tickets to Miami so I could go diving in the Keys from Friday - Wednesday. The car rental and the hotel both refunded my money with no hassle but the airlines are insisting on a $200 penalty for each way. Neither direction cost $200. Similar thing happened to me. It may be about 12 yrs ago,...
by danaht
Fri Sep 08, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: the hurricane damages [Berkshire Hathaway's cash on-hand]
Replies: 25
Views: 3160

Re: the hurricane damages [Berkshire Hathaway's cash on-hand]

This will just be a temporary loss for all the insurance companies. Premiums will be raised nation wide to pay for all the claims.
by danaht
Mon Sep 04, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 2137

Re: Got hit with a fee from td ameritrade on a transfer

Sorry to hear that. You might be able to call TD Ameritrade again and ask to speak with someone higher-up - they might have the authority to waive the fee. One thing good about Vanguard is that they do not charge any transfer fees I believe . Most other brokerages charge a fee when you close an acco...
by danaht
Thu Aug 17, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 9216

Re: ObamaCare 2018

After changing plans every year for the last 3 years and big price increases, I am not sure what I am going to do for 2018. Being pretty healthy, I am considering something drastic. I won't go totally uninsured, and it seems catastrophic plans aren't allowed (though deductibles are getting so high,...
by danaht
Sun Aug 13, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 3797

Re: REIT

Everything can lose money - even the S&P 500 has some years where it is negative. I believe REITs are just having a tough year - but in the last few years the Vanguard REIT ETF (VNQ) has had very good performance. VNQ is a good fund - and it's not as risky as owning an individual stock. Having said ...
by danaht
Fri Aug 11, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 7426

Re: 20% In REITS?

I really like REITs in tax advantaged accounts. The main advantage of a REIT are the tax savings because the REIT pays very little corporate tax. These tax savings can really add up (just like the expense savings from low cost funds). This will help your Roth, and IRA grow. So, I am in favor of a ve...
by danaht
Sun Aug 06, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 18176

Re: Tesla - next big lottery ticket ?

Tesla already has a bigger market cap than Ford or GM. If you think Tesla is worth 10 Fords, or 10 GMs - then go for it and invest. I have never shorted a stock before - but Tesla would be the #1 stock on my list if I were to do so today. I like their product - but not the stock. The company also ne...
by danaht
Sat Aug 05, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help with understanding - pay taxes now or in future
Replies: 59
Views: 3613

Re: Help with understanding - pay taxes now or in future

I definitely favor funding the Roth IRA before investing the rest of your savings in the 401k if you are not doing so now. This is the order I like for someone in the 15 to 25% tax bracket): 1) traditional 401k - up to employer match 2) max HSA (if available) 3) max Roth IRA 4) max rest of tradition...
by danaht
Sat Aug 05, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Grocery prices crazy for the last five months?
Replies: 19
Views: 2199

Re: Grocery prices crazy for the last five months?

Depends on where you live mostly. Some items have gone up - while others have gone down. In general, there is major competition in grocery right now with Aldi / Walmart / Target / Kroger / (and other grocery chains). Where I live in TX - prices have gone down mostly. Prices are getting so cheap that...
by danaht
Wed Jul 26, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 23384

Re: Living Off Dividends

Most US dividends are tax qualified at the 0 to 15% rate - where bonds are taxed at the full income tax rate. Most companies try to reward shareholders by increasing their dividends over time. So if you can live off of dividends only - then go for it. It's a good strategy. Also, to diversify - you c...
by danaht
Tue Jul 25, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3502

Re: YouTube TV - Anyone used or currently using?

I have been using it for the last week. You Tube TV is great! Use it with an Android phone and Chromecast - and it can be a very good replacement for traditional Direct TV or cable. Being able to record shows and the ability to fast forward and rewind from live and recorded shows are the main featur...
by danaht
Sat Jul 22, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 15118

Re: Are you finding any good values at Amazon anymore?

Most of the deals I find on Amazon are from third party sellers. Amazon's own prices are definitely not cheap now compared to a couple years ago.
by danaht
Fri Jul 21, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4094

Re: Is there any reason not to? [4% Checking]

The difficult requirement here is the 20 debit transactions. I once had a similar requirement for another bank - and I was very frustrated when I had 19 debit transactions instead of 20 for one month. Also - making that many debit transaction usually means skipping a lot of credit card rewards point...
by danaht
Sun Jul 16, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 9658

Re: Affordable home exercise

I recommend the Wii-Fit-U (with balance board, and fit meter) if you like video games. You can get everything except for the Nintendo-U console it runs on for $25 on Amazon right now. Just get a used Nintendo U for ~$99 and your all set!. I have been using variations of the Wii-Fit software for 7 ye...
by danaht
Fri Jul 14, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: 50% Cash, 50% Stocks: The Opportunistic Portfolio
Replies: 43
Views: 4696

Re: 50% Cash, 50% Stocks: The Opportunistic Portfolio

Cash is great when your getting 5% interest and FDIC insurance. But at 0 to 1% interest - it's very bad for your portfolio's growth.
by danaht
Thu Jul 13, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5505

Re: Cutting the Cord: Who's Best?

You Tube TV is probably the best value - since you can record your shows at no extra cost. This includes being able to rewind and fast-forward recordings. I am still waiting for You Tube TV to be available in my area to try it out.
by danaht
Wed Jul 12, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 7900

Re: Personal loan to a family member

My experience - loans to relatives are usually not paid back. You'll have to make a decision if you want to give this money to your relative.
by danaht
Mon Jul 10, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10235

Re: Amazon prime day

Waiting for a sale on prime membership - otherwise won't participate in prime day.
by danaht
Sun Jul 09, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: At what point does passive investing become dangerous?
Replies: 24
Views: 3705

Re: At what point does passive investing become dangerous?

Because most of the funds are weighted by market cap - passive indexing only becomes dangerous if the largest companies become too big. Right now Apple is 3.85% of the S&P 500. If Apple became the next "Enron" or "Worldcom" - then everyone who holds the S&P 500 index would automatically lose about 4...
by danaht
Sun Jul 09, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4514

Re: A good VISA card for Gas & Groceries?

In any case, IMO, all those "grocery" cards are way overrated. They only work if your food comes from merchants that code at groceries. I personally shop very little at any merchant that codes as "grocery". Most foods come from Costco. Some from Wal-mart. Some from Safeway, some from Trader Joes. O...
by danaht
Sun Jul 09, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4514

Re: A good VISA card for Gas & Groceries?

The card I use for groceries beats BCP by about 2.49%, and has no annual fee. Thanks for the teaser. 3.5%-1.01%=2.49% When you consider the annual fee, BCP is worse than a debit card. What card gives you 3.5%? They are probably referring to the Bank Of America Cash Rewards card (with the 75% platin...
by danaht
Sun Jul 09, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy
Replies: 13
Views: 1816

Re: Umbrella Policy

You should have it. Shop around to find a better deal. You should be able to get 1 million dollar coverage for about $200 a year. In order to get that type of deal - you might have to bundle your auto/home/umbrella policy with the same insurance company.
by danaht
Sat Jul 08, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4514

Re: A good VISA card for Gas & Groceries?

There is no better card than the Bank of America Cash back card that you currently have for gas and groceries. You just need to make sure you are participating in the platinum level of the B of A Preferred Rewards program so you can get the additional 75% credit card rewards bonus. To get to that pl...
by danaht
Tue Jul 04, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 15118

Re: Are you finding any good values at Amazon anymore?

Amazon is definitely not as cheap as it was 2 years ago. I still use Amazon to purchase hard to find items that I may not be able to purchase locally. I definitely check Walmart now (online) - before making purchases at Amazon. I am also noticing that Walmart tends to ship quicker - if you are not a...
by danaht
Sun Jul 02, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?
Replies: 50
Views: 5533

Re: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?

my theory: People wanted some extra money to spend for the fourth of July weekend - so they sold some of their stocks right before the market closed.
by danaht
Sat Jul 01, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Opening SEP IRA after doing backdoor roth
Replies: 9
Views: 592

Re: Opening SEP IRA after doing backdoor roth

+1 on opening solo 401k. It's probably in your best interest to open a solo 401k instead of a SEP-IRA. You can make the employer contribution (would be same as what you would have put in the SEP) - and keep the employee contribution to $0 (if you have already maxed a 401k elsewhere for the year).
by danaht
Fri Jun 30, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 4077

Re: Should I Sell Energy Index (VDE) and take loss?

I would keep it if you like energy as a long term investment. A lot of people seem to think electric cars will replace ICE cars soon (in 10 years). The same group of people also believe that renewable energy will mostly replace carbon energy in the same time frame. If this happens - then everyone s...
by danaht
Fri Jun 30, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 7528

Re: Those who max 401k

As the only employee in my s-corp - I contribute 1500 a month (1500 x 12 = 18,000) into my solo 401k. This allows me to dollar cost average all purchases evenly.
by danaht
Fri Jun 30, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 4077

Re: Should I Sell Energy Index (VDE) and take loss?

I would keep it if you like energy as a long term investment. A lot of people seem to think electric cars will replace ICE cars soon (in 10 years). The same group of people also believe that renewable energy will mostly replace carbon energy in the same time frame. If this happens - then everyone sh...
by danaht
Mon Jun 26, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 15769

Re: Sam's Club vs. Costco

This is a tough decision. I really like the Kirkland brand items. Sam's club also has some really great items too. Lately - I just don't like going to Costco because of the long check-out lines. Sam's Club has a phone app that allows you to checkout using your phone - so I'll never need to wait at S...
by danaht
Sat Jun 24, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 9713

Re: Costco vs. Amazon - Thoughts of Prime Members?

I really do not get it.The lines at Costco move very fast considering how much stuff people buy.Now if you are there on a Sunday afternoon and it is super crowded there is nothing they or anyone else can really do beyond having 50 checkouts.Costco use to have self checkout and they dropped it becau...