Search found 36 matches

by sigmadave_2000
Sun Sep 27, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 83
Views: 8840

Re: How much do you pay for healthcare (50-65 year olds)

I pay 670$/month or 8040$/yr. (Just went up 34$) Just myself on the plan. I have the HSA eligible Bronze plan with Blue Shield. I live in Orange Co CA. 7,000$ deductable.
by sigmadave_2000
Tue Apr 28, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best mortgage comparison tool? Bankrate? LendingTree? etc
Replies: 9
Views: 678

Re: Best mortgage comparison tool? Bankrate? LendingTree? etc

It's been a while since I used LendingTree, but I don't think I would use it again. From what I've been told, they basically package up your data (income, credit score, home value estimate...) and the company or brokers who bids the most buys the lead--and then they provide your contact info. So the...
by sigmadave_2000
Mon Apr 13, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: When Does a Trust Become Worth It?
Replies: 71
Views: 6357

Re: When Does a Trust Become Worth It?

From what I have heard, in California, is clamping down on out-of-state trusts that allow you to avoid California Tax, and unlike other trust friendly states like S. Dakota and Nevada, courts can compel the trustee to divulge assets of the trust if their is an audit or lawsuit. First, I don’t know ...
by sigmadave_2000
Mon Apr 13, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: When Does a Trust Become Worth It?
Replies: 71
Views: 6357

Re: When Does a Trust Become Worth It?

It would mostly be to keep wealth in the family, give family annual distributions of 3% of account value at year end, only goes to blood descendants and mostly to protect family from losing half in the case of divorce or lawsuits. Well, I guess it depends on what state you live in and what state yo...
by sigmadave_2000
Mon Mar 02, 2020 1:08 pm
Forum: Personal Investments
Topic: Taxes on Sell of Rental Property
Replies: 7
Views: 760

Re: Taxes on Sell of Rental Property

It depends on the states. I live in California and I am taxed on my Global income. So if I made a capital gain on property in another state, I would owe California Taxes on that. I don't think all states tax you on your global income. You may also owe taxes in the other state where your rental homes...
by sigmadave_2000
Tue Nov 05, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: Upcoming Nov. "Bogleheads on Investing" podcast guest is Eric Balchunas
Replies: 12
Views: 1373

Re: Upcoming Nov. "Bogleheads on Investing" podcast guest is Eric Balchunas

It seems like ETF costs are being driven to zero. But how do these firms make any money? Should we shy away from funds with extremely low fees compared to their rivals? For instance, Franklin’s Japan ETF FLJP costs 9 basis points, and the more popular EWJ costs 47 basis points. That’s more than 5 ti...
by sigmadave_2000
Mon Aug 26, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2007 for Mac versus Quicken 2019?
Replies: 6
Views: 482

Re: Quicken 2007 for Mac versus Quicken 2019?

For the most part Quicken looks and works like it did in early nineties. It's now a subscription model so you have to pay every year though. That's probably the most significant change, grrrr.... I actually purchased the Mac software for $199 -- special upgrade price. (You need to call in for the p...
by sigmadave_2000
Thu Aug 22, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Stairlift for mom. Acorn vs Bruno
Replies: 8
Views: 586

Stairlift for mom. Acorn vs Bruno

Looking to get a stairlift for mom installed. The salespeople tell me that since the stairs are not a straight shot, I need to have a custom model so the chair can make a 180degrees turn at the landing. So we are looking at a bit above 10,000$+ CA sales tax. Both Bruno and Acorn sales people tell me...
by sigmadave_2000
Sat Jul 27, 2019 1:38 pm
Forum: Personal Investments
Topic: Farmland Crowdfunding Website
Replies: 5
Views: 1245

Re: Farmland Crowdfunding Website

AcreTrader seems like an interesting way to diversify into Farmland, and based on history a good hedge against inflation. But I see some drawbacks with this approach to owning this asset class : • Liquidity You have to trade through their platform, so there might not be a buyer at a fair price. • Ac...
by sigmadave_2000
Wed Jul 24, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Where should I open my HSA? Fidelity?
Replies: 20
Views: 1215

Re: Where should I open my HSA? Fidelity?

I am with HealthEquity. They charge 0.033%/month AUM (Assets under management) fee ==> that comes out to a bit over 0.40%/year. This is offset by the ultra low fee Vanguard Index funds I can invest in. There is no transaction fee to buy into the funds, and they the costs of the funds is very low bec...
by sigmadave_2000
Mon Jul 22, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Broken and New Dishwasher Issues
Replies: 11
Views: 1152

Re: Broken and New Dishwasher Issues

Well, In my opinion unless you are running a restaurant a dishwasher should last more than 8 years. But sometimes you are better off with the lower end models -- less things to go wrong. I have been putting Whirlpools in my rentals, and so far no problems since I switched brands. In the latest Consu...
by sigmadave_2000
Fri Jul 19, 2019 9:01 pm
Forum: Personal Investments
Topic: Emerging markets EX China
Replies: 12
Views: 1699

Re: Emerging markets EX China

Well, I think you have a good point. EEM the most popular ETF for Emerging market stocks has a country weight of 32.21% for China. And it’s going up as more China A shares are included. If you think China will have decreased growth rates because of their aging demographics, debt build up, or the gov...
by sigmadave_2000
Mon Jul 15, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Activity tracking- Fitbit charge versus Apple Watch 3
Replies: 7
Views: 836

Re: Activity tracking- Fitbit charge versus Apple Watch 3

I was looking into this, but the iPhone basically has all the equipment for tracking running/walking already built in. So, I don't get buying a second device. I wanted to get an I watch when they came out because they looked cool, but they were just very expensive :moneybag will be obsolete in 18 mo...
by sigmadave_2000
Sun Jul 07, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Buy a refrigerator at Sears?
Replies: 37
Views: 3329

Re: Buy a refrigerator at Sears?

We purchased our last fridge from Costco.com about a year ago. They had the best price, and doubled the warranty to two years. Deals just depend on what they have in stock. Installed the fridge and took away the new one without any drama. If you do go to Home Depot, you can get another 1% off if you...
by sigmadave_2000
Mon Jun 24, 2019 1:05 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 87
Views: 15691

Re: Orange County, CA chapter?

I'm in Huntington Beach. Not sure what a Boglehads chapter does, but sounds like it might be interesting. I have avoided going to the ones on meetup dot com because they seem to be run by people selling something or looking for clients.
by sigmadave_2000
Fri Mar 22, 2019 2:04 pm
Forum: Personal Investments
Topic: 1031 exchange to DST, anybody?
Replies: 8
Views: 1361

Re: 1031 exchange to DST, anybody?

Delaware State Trusts are not the Bogleheads way to invest in Real Estate ? I’ve been looking into these, and from what I can tell there are a lot of red flags. It’s like 30 years ago when my dad's broker would call me up to let me know he could get us into a hot fund; only to find out later that i...
by sigmadave_2000
Wed Feb 13, 2019 10:05 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44090

Re: Why international?

I agree that the reason for international exposure is for diversification. True that the US seems to have outperformed the rest of the world, and I don't want to get political, but generally it just seems like we are one big integrated economy, generally speaking we have a free markets, and for what...
by sigmadave_2000
Tue Feb 12, 2019 6:45 pm
Forum: Personal Investments
Topic: Exposure to German Markets
Replies: 17
Views: 1106

Re: Exposure to German Markets

UK fund is a no go for US citizens? Pfic rules apply? (IRS tax) That's my understanding. You will get hit with higher taxes. According to this article https://the-international-investor.com/investment-faq/tax-trap-foreign-offshore-funds An offshore fund will usually be classified as passive foreign...
by sigmadave_2000
Tue Feb 12, 2019 6:29 pm
Forum: Personal Investments
Topic: Good time to invest in emerging markets?
Replies: 22
Views: 4059

Re: Good time to invest in emerging markets?

I would have to agree with the other posters, you shouldn't jump into EM based on a newspaper article. But if you want exposure to EM, I would suggest the Vanguard Emerging Market Fund VWO It's diversified and has a low expense ratio of 0.14%. Another interesting one is Wisdom Tree ex-State Owned En...
by sigmadave_2000
Fri Feb 08, 2019 6:17 pm
Forum: Personal Investments
Topic: Exposure to German Markets
Replies: 17
Views: 1106

Re: Exposure to German Markets

For what it's worth German Economy seems to the powerhouse of the EU. That said because dominant companies are export based, from a US dollar perspective it's highly correlated with emerging markets. It's a good way to play a reversal in the dismal ex-us growth the rest of the world has been experie...
by sigmadave_2000
Wed Feb 06, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1797

Re: Home Warranty

Got talked into one by my Real Estate Agent a while back because he said I would save money because I would not have to pay for an inspection; and that the warranty would cover me if anything went bad for two years--which was a good deal because things break down. It was actually free to me, but I t...
by sigmadave_2000
Sat Jan 26, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Car maintenance - dealer or independent shop?
Replies: 51
Views: 3271

Re: Car maintenance - dealer or independent shop?

I take my Toyota to CostCo for Tires/Independent shop for everything else. The Toyota Dealerships seem to have a sales system whereby your consultant is paid a commission based on the amount of money you spend. They seem to find a lot of work. You cannot talk to the mechanic. When I was out of town ...
by sigmadave_2000
Mon Jan 21, 2019 12:12 am
Forum: Investing - Theory, News & General
Topic: Dow Jones Index has beaten cap weighting
Replies: 8
Views: 1059

Re: Dow Jones Index has beaten cap weighting

Any of those weighting schemes make more sense to me than price weighting. I'm not surprised that the Dow has had a higher return. Some people have argued that price weighting is preferred to Market Cap weighting; and would tend to beat it over the long run. I think the takeaway from Jeremy Siegel,...
by sigmadave_2000
Sun Jan 20, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6553

Re: Is California worth the premium?

Just to set the record straight for those saying the state is going down the tubes, CA has a record setting $30B budget surplus plus a $14B rainy day fund. Yes there are lots of homeless on the streets but the new SF mayor was elected specifically to solve this problem. She’s gotten over 700 homele...
by sigmadave_2000
Sat Jan 19, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6553

Re: Is California worth the premium?

Well, I've lived here almost my entire life. In the past five years, there seems to be a decline in the Quality of Life in Orange County. I don't know about Santa Barbara, but the state seems to be bifurcating into nice areas, generally near the coast, and not so nice areas. In what were middle clas...
by sigmadave_2000
Thu Dec 27, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1544

Re: AT&T Landline - what's considered "Long Distance"

Ooma has been working great for me; and call quality is better than when I had a landline. I have no idea how this company makes money. I pay like $5/month.
by sigmadave_2000
Mon Dec 24, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 7007

Re: How much do you pay for cable/internet/cellphone

Home Phone Ooma $5/month -- VOIP actually works better than the land line phone I had from the phone company. (I switched from Vonage which worked great but Ooma just costs less.) Virgin cell Phone 1 iphone $30/month not sure how much data, but I have never gone over. Unlimited talk. (including a $5...
by sigmadave_2000
Fri Nov 09, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 12129

Re: Favorite "free stuff"?

Free Stock This new website offers a customer loyalty program that gives you free shares in companies where you shop. It's a good deal for the merchants because people are likely to shop at a place where they have an ownership stake; and it's probably a cheaper way to build customer loyalty than se...
by sigmadave_2000
Fri Oct 19, 2018 11:29 pm
Forum: Personal Investments
Topic: Franklin Single Country ETFs, too good to be true?
Replies: 2
Views: 557

Franklin Single Country ETFs, too good to be true?

I have been investing in single country ETFs and paying a relatively high fee level given that they are basically large-cap index funds. But I ran across these Franklin funds. Their costs are significantly lower than the iShares funds. For long term investors (not traders) does anyone see the downsi...
by sigmadave_2000
Sun Oct 07, 2018 3:02 pm
Forum: Personal Investments
Topic: Rate of return in negative
Replies: 16
Views: 2963

Re: Rate of return in negative

Well, you have to understand that you have invested in a fund that's volatile. I looked on MorningStar and according to them, your fund VFIFX has the following record: 2013 24.34% total return 2014 7.18% 2015 Negative 1.58% 2016 8.85% 2017 29.39% 2018 (Until 9/30) 4.42% The average ten year return f...
by sigmadave_2000
Fri Aug 31, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 13227

Re: Fidelity Rewards Visa Card

Did you previously have the "FIA Card Services" Visa before they switched to "Elan Financial Services" ? If so, and you never called to complain and get the new benefit structure, you may only be getting the old 1.5% benefit: Yes. I just believed their ads and never did the math. I had one card onl...
by sigmadave_2000
Fri Aug 31, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 13227

Re: Fidelity Rewards Visa Card

I like the Fidelity Rewards Visa Card . But it seem like I am only getting 1.5 points for every dollar I spend (1.5% cash back) instead of the 2 points (2% cash back) advertised. Points from statement https://flic.kr/p/29fD5JP points according to advertisement https://flic.kr/p/Nvr9iu Update ----> Y...
by sigmadave_2000
Fri Aug 24, 2018 9:34 pm
Forum: Personal Investments
Topic: REITs without malls?
Replies: 20
Views: 2016

Re: REITs without malls?

Ha! One of my kids lived in an EdR-run dorm. You're right -- it was not 10x12. It was a lot smaller. Plus roommate. Two beds lofted over desk/dresser, and almost enough floor space left over for a trash can. Good to know I'm a wealthy parent, though. :happy Maybe check that prospectus again... :D W...
by sigmadave_2000
Fri Aug 24, 2018 4:11 pm
Forum: Personal Investments
Topic: REITs without malls?
Replies: 20
Views: 2016

Re: REITs without malls?

Well that's a good question. I haven't found a ETF, so you may need to buy REITS individually. These are some that I have on my list: Farmland FPI Farmland Partners -- Not a REIT, but one of the few ways to get exposure to farmland. It's a LP so you have to deal with a K-1 tax form LAND - Gladstone ...
by sigmadave_2000
Fri Aug 10, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Car Donation
Replies: 12
Views: 1249

Re: Car Donation

Salvation Army I looked into it, and a lot of 501(c) corporations will take your car. I called a couple and it looks like the calls go to a company just picks up your car and sells it for fast cash at the wholesale used car auction. I guess they split the money with the charity. There have been repo...
by sigmadave_2000
Fri Aug 03, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Costco auto buying service is USELESS!
Replies: 43
Views: 30629

Re: Costco auto buying service is USELESS!

:confused I asked CostCo if this was just a referral service where the dealers kick back a fee to CostCo and the person I was talking to told me that they do not know how it works. I asked if I could have the price of the used car before I went into the dealership. The first dealer was clear. The an...