danbobtx

Daniel Johns

danbobtx’s Activity

Fri Jan 29

NL

Boards Post

danbobtx posted to the Tax Strategies board. 7:30 PM

Managing health expenses for 2016

I have a good start on 2015 taxes and right now health care expenses look to be less than 10% of AGI for 2015.

I'd like to see what legitimate ways i have of managing my family 2016 costs to either A) exceed 10% of AGI, or B) push as much [more]

Thu Jan 21

NL

Boards Post

danbobtx replied to the Foolish 401(k)s board. 10:41 PM

Re: Frequent adjustment to investment elections.

For clarity, I am keeping my percent contribution and match the same (maxed out, match of 7%). As Paul noted, the company I work for is cyclical, so company stock was clearly overvalued 1 year ago. OTOH, due to market position, I don't see them going [more]

Wed Jan 20

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Boards Post

danbobtx posted to the Foolish 401(k)s board. 9:14 PM

Frequent adjustment to investment elections.

All

With the market down, I've taken the opportunity to increase the % of my 401k new purchases directed toward company stock and decreased the percentage directed at stocks in general.

My goal is two fold - increase the % [more]

Sun Nov 29

NL

Boards Post

danbobtx replied to the Retirement Investing board. 9:18 PM

Re: Poll: Invest or reduce debt

@ Syke6 - I have no idea if I'll get relocated or not. Frankly, the better I am at my job, the more likely I am to get relocated. That said, while we've been here 10 years, and we are on an excellent piece of property, the house itself needs some [more]

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Boards Post

danbobtx replied to the Retirement Investing board. 2:24 PM

Re: Poll: Invest or reduce debt

AJ

emergency fund is funded for approximately 4 months, with sufficient taxable investments (market index exchange traded funds) to cover an additional 4 months. I'd like to put more in here.

A few other wrinkles worth mentioning - [more]

Sat Nov 28

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Boards Post

danbobtx polled the Retirement Investing board. 10:13 PM

Poll: Invest or reduce debt

So I've got a mortgage at 4.125% interest and student loans at 3.75% interest. Both are fixed rate and I have no other debt. I've been looking at paying those down more aggressively out of monthly income, but frankly I'm on average, exceeding 7.5% [more]

Fri Nov 27

NL

Boards Post

danbobtx replied to the Retirement Investing board. 3:05 PM

Re: Opinions please...math wizzes welcome

Neveragain -

Just keep your goals in mind and some flexibility. The math changes considerably the longer you have meaningful income from both spouses.

For example, lets assume you work part time 3 days per week during the school [more]

Tue Nov 24

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 12:02 AM

Re: "Saving is for Losers"

Please let Nik know!

Mon Nov 23

NL

Boards Post

danbobtx replied to the Retirement Investing board. 5:17 PM

Re: Opinions please...math wizzes welcome

I'd encourage you to think of some other things -
My gut is that about the time your middle child enters high school will be the beginning of a high cost period. You might want to fiddle with retirement calculators and see what withdrawing [more]

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Boards Post

danbobtx replied to the Retirement Investing board. 2:00 PM

Re: Opinions please...math wizzes welcome

To reiterate - Maybe the job sucks and you need to be home more with the kids - we are a single earner home right now as well. But you working part time or when the kids are in school over the next 5 years may dramatically change the amount you can [more]

Sun Nov 22

NL

Boards Post

danbobtx replied to the Retirement Investing board. 6:21 PM

Re: Opinions please...math wizzes welcome

Neveragain - its been awhile since I did a FAFSA - you might want to check it out here:
https://fafsa.ed.gov/

to clarify, it is my understanding that retirement savings in qualified retirement accounts [more]

Fri Nov 20

NL

Boards Post

danbobtx replied to the Retirement Investing board. 9:42 PM

Re: Opinions please...math wizzes welcome

Just throwing a few things out -
Are you planning on assisting your children with college/trade school?
If so, do you have additional savings separate from retirement for that?
If not, be advised that taxable savings on your part will [more]

Sat Nov 7

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 6:23 PM

Re: Marketing hype

Who are you trying to impress? And if the answer is no one then tell me what are you trying to do and how much do you make a year that you're so happy with?

I make about $80,000 per year. I'm not trying to impress anyone. My goal is [more]

Mon Oct 12

NL

Boards Post

danbobtx posted to the Buying or Selling a Home board. 7:13 PM

Putting moms home on the market

DM is an assisted living and is highly unlikely to ever live on her own again - I'm looking for suggestions on how to maximize the value while minimizing the time on the market.

Key info -
home is SFR, built in the 1980s
it has [more]

Tue Sep 22

NL

Boards Post

danbobtx posted to the Real Estate Investing board. 11:07 PM

Getting started

Long time lurker, first time poster
Background to follow, – see questions below:
1. What would you do differently on your first 2 properties?
2. What is the most important criteria when selecting a Property Management Firm
3. What’s [more]

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Boards Stats & Trivia

Big red star, 1000 posts Old School Fool
Board Posts 1537
Recs Received 1694
People who have rec'd these posts 369
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Threads Started 448
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Most Frequent Board Advanced Micro Devices
Very First Post Diebold Growth/New customers (3/8/2001)
Percentage of Posts Rec'd 53.29 %
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