Search found 100 matches

by StealthWealth
Sun Sep 16, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10154

Re: Side Hustle Options/Suggestions.

I have a couple of small business entities that would benefit from 3rd party book keeping. What would the rate be for an entity with 100 monthly transactions, weekly highlights emailed to the partners,with more detailed monthly/quarterly reports? Work can be done on your schedule.
by StealthWealth
Wed Jul 12, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 10001

Re: Solar panels

I am a huge advocate for solar but do encourage people to do their own math. Unfortunately some installers show a much more attractive payback by including an overly aggressive "inflation" rate for traditional power costs. I do not think this is good for the industry as a whole but the public is by-...
by StealthWealth
Wed Jan 18, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Robo-advisors vs Vanguard
Replies: 36
Views: 10029

Re: Robo-advisors vs Vanguard

On the topic of robo-advisors, if you end up heading down that route, one to look into is Wisebanyan. While wealthfront charges a fee, Wisebanyan operates without charging you. They do essentially the same thing. With the most aggressive selection, I'm 90% stocks, 10% bonds. There's a referral syst...
by StealthWealth
Fri Nov 11, 2016 5:07 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 333
Views: 70456

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Bogleheads: I spend much of my time on the Boglehead forum trying to help investors using " The Boglehead Philosophy ": Develop a workable plan Invest early and often Never bear too much or too little risk Never try to time the market Use index funds when possible Keep costs low Diversify Minimize ...
by StealthWealth
Tue Jul 26, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Expensify - free version
Replies: 6
Views: 1477

Re: Expensify - free version

no one has used expensify here? I use Expensify and really like it. It is great for tracking business trips and generates a nice report I can hand the client or save for future reference. Integrates nicely with Uber which is a plus for me. I am not sure on the QuickBooks front as that is all handle...
by StealthWealth
Mon Jul 25, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 124
Views: 13361

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

We have been to Italy many times. Random suggestions: * Make sure you validate your tickets when getting on trains or buses, as American tourists seem to be easy marks for transport police who will levy stiff fines for not having validated! (Members of our party were fined 50 euros each for not hav...
by StealthWealth
Tue Jul 19, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 2541

Re: Most economical overseas travels

We keep an eye on Slickdeals.net and theflightdeal.com for good deals on travel. It helps a lot if you are near a big hub and have flexibility in timing/destination (which it sounds like you do). Be careful though. One night after a couple of drinks we ended up with a trip to Italy on the calendar d...
by StealthWealth
Wed Jul 06, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2564

Re: AT&T cell usage in Canada

This is what I posted on another thread about my experience. To be fair, some of the issues may be the phone (Nexus 5x) and not the actual Google Fi network/service, but it's annoying nonetheless. The most annoying thing is the lack/ease of wifi connectivity. I've found that the phone will not auto...
by StealthWealth
Tue Jul 05, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting startup expenses on personal taxes
Replies: 22
Views: 2206

Re: Deducting startup expenses on personal taxes

Based on the above I think that what you describe should reduce your taxable income but as others have mentioned, when you transition to a c-corp that goes away in return for other benefits. Thanks. Does that apply to expenses incurred *before* the incorporation occurred (which was in 2016)? Sorry ...
by StealthWealth
Tue Jul 05, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting startup expenses on personal taxes
Replies: 22
Views: 2206

Re: Deducting startup expenses on personal taxes

Based on the above I think that what you describe should reduce your taxable income but as others have mentioned, when you transition to a c-corp that goes away in return for other benefits. Thanks. Does that apply to expenses incurred *before* the incorporation occurred (which was in 2016)? Sorry ...
by StealthWealth
Tue Jul 05, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2564

Re: AT&T cell usage in Canada

We recently signed up for Google Fi for international travel. We spent 2 weeks in Canada and it was $30 for unlimited calls and 1GB of data. We got a refund for unused time/data when we suspended service and it gave us the ability to use it as needed. We pre-dwnloaded maps and never felt like we we...
by StealthWealth
Sat Jul 02, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2564

Re: AT&T cell usage in Canada

We recently signed up for Google Fi for international travel. We spent 2 weeks in Canada and it was $30 for unlimited calls and 1GB of data. We got a refund for unused time/data when we suspended service and it gave us the ability to use it as needed. We pre-dwnloaded maps and never felt like we wer...
by StealthWealth
Fri Jun 17, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: HSA- how much do you actually invest?
Replies: 42
Views: 5014

Re: HSA- how much do you actually invest?

Another HSABank user here. I keep a $0 balance and sweep everything to TDAmeritrade the day it deposits. I actually use the HSA balance as the highest risk portion of our portfolio due to the very favorable tax treatment (it is our SCV and Emerging Markets tilt). We are relatively young and treat it...
by StealthWealth
Tue Apr 19, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting startup expenses on personal taxes
Replies: 22
Views: 2206

Re: Deducting startup expenses on personal taxes

I am certainly not a tax expert and do not even play one on the internet, so take this as worth $0. I do have a story that is similar to yours though. A few years back I used TurboTax to do my taxes. That same year I started a software business that incurred hosting costs, I paid some contractors an...
by StealthWealth
Sat Feb 13, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any side income potential in iOS development or web development?
Replies: 10
Views: 1840

Re: Any side income potential in iOS development or web development?

Congrats! Depending on your level of comfort, there should be plenty of opportunities for extra income. The Ionic framework seems to be coming fairly popular and let's you handle both iOS and Android apps for basic purposes. This would allow you to create apps for pretty much any local business. Its...
by StealthWealth
Sat Feb 13, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help simplify an old account [Investing with Wisebanyan?]
Replies: 39
Views: 2848

Re: What's wrong in investing with Wisebanyan?

I hope nothing is wrong with it, because it's exactly what I did. I like the idea behind what they want to accomplish and I wanted to support them, albeit in a very small way. My balance is nothing to brag about but I have a $50/week auto deposit that has been going since their launch. The service i...
by StealthWealth
Thu Dec 31, 2015 11:21 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 3093

Re: VPN Service, personal. suggestions.

I use PIA and am very happy with it. I saw a frontpage deal on TorGuard though and wanted to share in case it was useful.

http://slickdeals.net/f/8410271-torguar ... yr-or-5-mo
by StealthWealth
Tue Nov 24, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Wisebanyan is now tax loss harvesting(?)
Replies: 22
Views: 4665

Re: Wisebanyan is now tax loss harvesting(?)

It just officially became available. I got an e-mail about it with the link to signup along with a whitepaper on the topic. It can be found out at: https://wisebanyan.com/assets/docs/WiseHarvestingOverview.pdf I think they did a really fair job in looking at it objectively and clearly stating that i...
by StealthWealth
Mon Nov 23, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Wisebanyan is now tax loss harvesting(?)
Replies: 22
Views: 4665

Re: Wisebanyan is now tax loss harvesting(?)

I just noticed that the FAQ had been updated with some additional information. Most pertinent to this discussion is the following on pricing: The most exciting aspect of WiseHarvesting is WiseBanyan’s unique approach to pricing in order to provide a clear value-added service. The annual fee is 0.25%...
by StealthWealth
Thu Mar 19, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) for Small Businesses - Costs?
Replies: 4
Views: 666

Re: 401(k) for Small Businesses - Costs?

We are smaller than you, but we set one up recently with Employee Fiduciary. Costs are approximately $2k/year plus some AUM fee that the company also covers. Setup was fairly painless.

http://www.employeefiduciary.com/401k-plan-pricing/
by StealthWealth
Mon Mar 16, 2015 4:23 pm
Forum: Investing - Theory, News & General
Topic: Robinhood Investing App
Replies: 13
Views: 2523

Re: Robinhood Investing App

I have an account and use it for some "speculation". It is simple to use and provides minimal fluff. It would be nice to have a web interface and it is currently only available on iOS. I have about 0.01% of my networth on it but have made a dozen or so trades without a problem. My biggest win so far...
by StealthWealth
Thu Nov 13, 2014 12:18 am
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 10962

Re: Uber Car and the real cost of driving

The future of transportation is pretty exciting. I think there is a good chance that in a decade the need to own a car will be greatly diminished. Eventually Uber will not have drivers but you will be able to call a self-driving car on demand. This will have a huge positive impact on traffic and urb...
by StealthWealth
Tue Nov 11, 2014 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Question about allocating extra income Re: Social Security
Replies: 5
Views: 1024

Re: Question about allocating extra income Re: Social Securi

Thanks CaliJim and ObliviousInvestor. I knew it had a lot of moving parts! This is a young couple with only a few years of earning history. If we assume that one individual will always earn the maximum taxable earnings moving forward and one will earn exactly half of the maximum, could we make a rea...
by StealthWealth
Sun Nov 09, 2014 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question about allocating extra income Re: Social Security
Replies: 5
Views: 1024

Question about allocating extra income Re: Social Security

Situation: A married couple with wife earning $117k in 2014 (maximum for Social Security contributions) and husband earning $50k. All available retirement accounts are maxed out each year. There is an opportunity to earn an extra $20k which could be paid as W2 wages to either individual. Question: I...
by StealthWealth
Tue Oct 14, 2014 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401k from Scratch - Help Me Make it Great!
Replies: 2
Views: 329

Starting a 401k from Scratch - Help Me Make it Great!

Hello All. I have the opportunity to establish the 401k plan for a young but fast growing company. I want to make sure that I create a fantastic option as it could ultimately impact many people. What fund lineup and features would you suggest to help me make sure I do the best job possible? As one o...
by StealthWealth
Sat Aug 23, 2014 2:14 am
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 3566

Re: Why do we tip restaurant servers?

I was under the impression that if a waiter/waitress did not receive at least minimum wage after tips that the employer had to make up the difference? If this is true it seems if no one tipped, that it would sort itself out and we could just focus on the minimum wage? Note: I find myself tipping eve...
by StealthWealth
Mon Aug 18, 2014 10:50 am
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 11926

Re: Your biggest "Missed Money" event that still kills you?

I was doing my PhD in a computational intensive area and we had a ton of very powerful servers. There were times when they were not fully utilized and I considered leveraging the idle servers for bitcoin mining. This was in 2010 and there would have been absolutely zero cost to doing so (electricity...
by StealthWealth
Mon Jul 21, 2014 9:22 am
Forum: Personal Consumer Issues
Topic: American in need of Premier team to root for
Replies: 21
Views: 1646

Re: American in need of Premier team to root for

I am extremely biased, but I would suggest Liverpool. The history is tremendous, there is always a lot of ups & downs which make being a fan lively (to say the least), and they were recently purchased by Fenway Sports Group so there is a connection back to the US (the previous owners were US also). ...
by StealthWealth
Tue Jul 15, 2014 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 3642

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

The amount you save can increase even with higher cost of living. If you make 80k now and live on 40k, then making 160k will enable you to save 80k, so your costs doubled but so did your total savings amount (over simplifies things like taxes, etc..). It makes it a lot easier to get ahead and allows...
by StealthWealth
Tue May 06, 2014 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Listed ETF - Risky Choice?
Replies: 8
Views: 843

Re: Newly Listed ETF - Risky Choice?

The thread title made me think of this:

https://www.youtube.com/watch?v=-DT7bX-B1Mg

Annnnndddddddd.... Its gone.
by StealthWealth
Tue Mar 18, 2014 11:54 am
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 5040

Re: Investing in stocks--A surprising Google report ?

I would recommend opening an incognito window (ctrl + shift + n) in chrome to get results that are not predicated on your previous search history. I believe that it should result in seeing the same results across users. As mentioned previously the results that we see can be heavily dependent on past...
by StealthWealth
Fri Mar 07, 2014 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Agri Zoning to Save on Property Taxes - Pros & Cons?
Replies: 8
Views: 1252

Re: Agri Zoning to Save on Property Taxes - Pros & Cons?

Thanks Flobes. Yes, to qualify we have to have any number of things. One of which happens to be a couple of cows which we do have for beef purposes. We raise a couple every year. How much of a reduction did you get from the agri zoning? Did it impact the property "value" as reported by zillow and or...
by StealthWealth
Fri Mar 07, 2014 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Agri Zoning to Save on Property Taxes - Pros & Cons?
Replies: 8
Views: 1252

Re: Agri Zoning to Save on Property Taxes - Pros & Cons?

I guess I do not fully understand it. Currently when I look up property tax records for our property you see the following: Lot Size; 5ac Type: (RI) - Res. Improv. Estimated Market Value $101,00 Full Assessed (20% Market Value) $20,200 Taxable Value $10,595 I look at an agri zoned land a little way ...
by StealthWealth
Fri Mar 07, 2014 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Agri Zoning to Save on Property Taxes - Pros & Cons?
Replies: 8
Views: 1252

Re: Agri Zoning to Save on Property Taxes - Pros & Cons?

Your question prompted me to call the zoning department again. Basically the cutoff for agricultural is anything over 5 acres. Our land has always been in the records as 5 acres exactly and thus not eligable for agri zoning. Because we are purchasing an adjacent acre we are now eligible for agri zon...
by StealthWealth
Fri Mar 07, 2014 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Agri Zoning to Save on Property Taxes - Pros & Cons?
Replies: 8
Views: 1252

Agri Zoning to Save on Property Taxes - Pros & Cons?

I have the opportunity to zone our property as Agricultural which would reduce property tax from around $2000/year to around $400/year. The property is right outside city limits and all surrounding properties are zoned residential. I was trying to determine if there was any downside to this? Someone...
by StealthWealth
Wed Feb 12, 2014 12:55 am
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 11565

Re: Raising kids in a small town vs. big city/suburbs

Never bet against a farm boy...
by StealthWealth
Wed Feb 05, 2014 1:01 am
Forum: Investing - Theory, News & General
Topic: Delicate art of misleading investors
Replies: 0
Views: 529

Delicate art of misleading investors

Thus article does not have a ton of substance but I found it a welcome reminder to do your due diligence on investment opportunities!

The Huffington Post: The Delicate Craft of Misleading Investors. http://google.com/newsstand/s/CBIwyu-B8BA
by StealthWealth
Mon Jan 20, 2014 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: What terms make lease to own worth it as seller?
Replies: 17
Views: 1822

Re: What terms make lease to own worth it as seller?

Thank you for all the input! As pointed out, we do not have any real interest in being landlords and so we have decided to pass the on the lease-to-own model. Out of curiosity, those of you who have sold houses recently - did you use an agent or try for-sale-by-owner?
by StealthWealth
Fri Jan 17, 2014 12:43 am
Forum: Personal Finance (Not Investing)
Topic: What terms make lease to own worth it as seller?
Replies: 17
Views: 1822

Re: What terms make lease to own worth it as seller?

You would charge them more than if you were simply renting the house. Part of what they paid would go toward rent, and part would go toward the house purchase price. If they fail to keep up the payments you foreclose and still have the house. The danger is they could trash the house and walk away l...
by StealthWealth
Thu Jan 16, 2014 11:48 pm
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 8249

Re: Who Invests 100% in Passive Index Funds/ETFs

100% of liquid assets are in 3 passive funds.
by StealthWealth
Thu Jan 16, 2014 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: What terms make lease to own worth it as seller?
Replies: 17
Views: 1822

What terms make lease to own worth it as seller?

We have a paid off house estimated at ~100k. Was planning to sell, and a family approached us wanting to do a lease to own. My initial inclination is to decline, but what terms would make it worth the risk? Rents in the area are around $650ish and property taxes a hair under 1k per year. Our new hou...
by StealthWealth
Mon Jan 13, 2014 11:29 am
Forum: Investing - Help with Personal Investments
Topic: 2013 or 2014 contribution for paycheck on 15th of each month
Replies: 0
Views: 215

2013 or 2014 contribution for paycheck on 15th of each month

Hello All. Quick question as it relates to contributions to a SIMPLE IRA. We are a small company that does paychecks on the 15th of each month. When I process paychecks on January 15th I have the option of making the SIMPLE IRA contributions be 2013 contributions or 2014 contributions. Participants ...
by StealthWealth
Tue Dec 17, 2013 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Increase Tax Allowances From 1 to 2-3?
Replies: 23
Views: 1467

Re: Increase Tax Allowances From 1 to 2-3?

I have mine set higher than "normal" to minimize the refund. You can adjust it during the year also.
by StealthWealth
Mon Sep 30, 2013 12:32 pm
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 5588

Re: Recommend a cheap, small tablet?

After a lot of research we settled on a Nexus 7 and it is fantastic. Have traveled internationally and it performed fantastically. We could watch over 8 hours of movies without a charge. It is the highest rated 7 inch tablet and it is easy to see why. We were able to get it for about $170.
by StealthWealth
Thu Sep 19, 2013 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 14890

Re: PenFed 5/5 ARM at 2.875%??!!

Fine print also says: Internal PenFed Loan Refinances: Borrowers with an existing 5/5 ARM PenFed mortgage may qualify to do a rate modification for a 1% fee of the loan payoff amount. Borrowers with existing PenFed Mortgages may also become eligible to refinance if the following criteria is met. 1. ...
by StealthWealth
Thu Sep 19, 2013 4:17 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendation needed. $750 budget.
Replies: 21
Views: 2380

Re: Laptop recommendation needed. $750 budget.

This is the best deal I have seen in quite a while. Will more than meet your needs and way under budget. It will not last long though. http://www.bestbuy.com/site/Pavilion+17.3%22+Laptop+-+4GB+Memory+-+750GB+Hard+Drive/1739112.p?id=1219062510621&skuId=1739112&st=1739112&cp=1&lp=1 Do you mean the de...
by StealthWealth
Thu Sep 19, 2013 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 14890

Re: PenFed 5/5 ARM at 2.875%??!!

Wow, the difference between the 3.25% I locked in and will be closing next week and 2.75% would reduce the payment by about $70/month. I wonder if after closing I could apply to refinance and then pay the closing cost penalty for paying off the previous loan in less than 36 months? Viable? Probably ...
by StealthWealth
Thu Sep 19, 2013 1:46 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendation needed. $750 budget.
Replies: 21
Views: 2380

Re: Laptop recommendation needed. $750 budget.

This is the best deal I have seen in quite a while. Will more than meet your needs and way under budget. It will not last long though.

http://www.bestbuy.com/site/Pavilion+17 ... &cp=1&lp=1
by StealthWealth
Wed Sep 18, 2013 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank Investment Guidance sought
Replies: 4
Views: 658

Re: HSABank Investment Guidance sought

You can transfer back and forth between HSA Bank and TDAmeritrade. I have only ever gone one way and the funds go into a money market account until you purchase one of the fee free ETFs. I keep a zero balance at HSA Bank and have all the funds in equity. The fees are pretty small and atleast partial...
by StealthWealth
Mon Sep 16, 2013 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 14890

Re: PenFed 5/5 ARM at 2.875%??!!

This surprised me also. I locked in 3.25% a week or so ago and thought that was pretty good. I take it there is probably no way to take advantage of this drop at this point?