Search found 429 matches

by danaht
Sun Jan 14, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4500

Re: Merrill Edge best choice for higher net worth accounts?

I would go with a Merrill Edge / Fidelity combination. Transfer at least $100,000 of stocks/ETFs in Merrill Edge to get the Platinum Honors rewards. (this allows the great credit card rewards, and the 100 free trades a month). Transfer the rest in Fidelity because: 1) Fidelity has great customer ser...
by danaht
Sun Jan 14, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1633

Re: mlp's Master Limited Partnerships

If you bought a MLP - you would probably regret it. It will really complicate your taxes since these are reported on a K1 - and are tricky to enter. And if you don't do your taxes yourself - your accountant will probably charge more money for the extra complication. Also, HR Tax Cut does not suppor...
by danaht
Sat Jan 13, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1633

Re: mlp's Master Limited Partnerships

If you bought a MLP - you would probably regret it. It will really complicate your taxes since these are reported on a K1 - and are tricky to enter. And if you don't do your taxes yourself - your accountant will probably charge more money for the extra complication. Also, HR Tax Cut does not support...
by danaht
Sat Dec 02, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1309

Re: Best HSA custodian for my situation

+1 for HSA Bank. There are no fees at HSA Bank - if you hold ~$6000 in the HSA Bank savings account. I hold this amount as part of an emergency fund - and then invest the rest in TD Ameritrade commission free ETFs.
by danaht
Sat Dec 02, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3192

Re: Electric Car (Nissan Leaf) for a teen driver?

My team member at work had a Nissan Leaf from around 2012. He said it had problems keeping a charge after a couple years of ownership. I think you would be better off getting a used cheap regular gas car.
by danaht
Sun Nov 26, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Which BoA Credit Card to use?
Replies: 24
Views: 1897

Re: Which BoA Credit Card to use?

To maximize your rewards - you should use both the B of A Travel Rewards and Cash Back cards. 1) Use the cash back card for gas, groceries, wholesale and department stores 2) Use the travel rewards card for travel, and everything else that you did not use on #1 - (or use on everything if you reached...
by danaht
Sun Nov 26, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 18
Views: 1773

Re: Trying to avoid ACA Subsidy failure!

Just got a clarification - I guess - from BCBS - Plan 201 will not qualify cuz 2018 Out of pocket will be $6550 rather than the necessary $6650. Reconsideration for Plan 204 where out of pocket will be $7350 and therefore appears to be ok. This may mean I can continue to contribute to the HSA and r...
by danaht
Sat Nov 25, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 18
Views: 1773

Re: Trying to avoid ACA Subsidy failure!

Here in Tarrant County, TX - there is still one plan available from Blue Cross Blue Shield that is HSA eligible. It's Blue Advantage Plus Bronze 201. It's one of the most expensive bronze plans available - so make sure you browse all plans available to you. It's kind of sad - because I think there a...
by danaht
Sat Nov 25, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Target Pre-pay phones on Thanksgiving in store issues
Replies: 13
Views: 1318

Re: Target Pre-pay phones on Thanksgiving in store issues

If you can - try to buy the phone online and pick it up later. I guess there were a few items on Target's black Friday add that were "in-store" only. Perhaps this phone was one of those items. I did all my Target Black Friday shopping online this year - and picked up the items later. Did not deal wi...
by danaht
Fri Nov 24, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5046

Re: if you could use only 1 investment firm...

Fidelity would be my choice. Fidelity has 1) great solo 401k (although I am using Schwab for solo - but could switch to Fidelity some day) 2) really good customer service 3) has a great commission free ETF selection 4) has a great low cost mutual fund index selection 5) has physical locations where ...
by danaht
Thu Nov 23, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4537

Re: Replace TVs with Smart Tvs or not?

I currently have a 5 year old 1080P 60" Visio LCD TV that works great with a Chromecast device. I am also not going to upgrading yet. I am waiting for OLED technology to become widely available in 60+" TVs. Hopefully this will happen in the next few years. Then I'll upgrade to OLED (and hopefully 4K...
by danaht
Thu Nov 23, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 14016

Re: Jim Cramer doesn’t beat the market

Definitely should be watched for entertainment purposes only. I think he also has some good advice as well as bad advice. The good advice that most bogleheads would probably agree with: 1) He believes that the majority of investments should be in index funds - and not individual stocks. He only reco...
by danaht
Thu Nov 23, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9432

Re: Beware Amazon Price Gouging

I now tend to only use Amazon for the hard to find items that I can not buy locally. Amazon's prices are not as good as they once were in the past. Also, before buying anything it's always good to do a price comparison. The easiest way to compare prices is usually just to use the Google search - and...
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: 3029

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: 811

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: 1709

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: 19889

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: 13528

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: 377

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: 1903

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: 37
Views: 5297

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: 511
Views: 51460

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: 511
Views: 51460

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: 511
Views: 51460

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: 158
Views: 19303

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: 1211

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: 5172

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: 5320

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: 5172

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: 9277

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: 12467

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: 3915

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: 26992

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: 3351

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: 2467

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: 9684

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: 4443

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: 7635

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: 19164

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: 3776

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: 2310

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: 24554

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: 3746

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: 169
Views: 18274

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: 4298

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: 9999

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: 4905

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: 5819

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: 8409

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: 10672

Re: Amazon prime day

Waiting for a sale on prime membership - otherwise won't participate in prime day.