Sunday, December 4, 2016

Post 9: Deals on Internet TV!

About Me: My focus is to provide insights on personal finance.  I graduated from the University of Southern California with a degree in Economics. I enjoy personal finance and I especially enjoy a good deal!

FOR THIS POST I WILL GO INTO INTERNET TV ALTERNATIVES!

Everyone knows Hulu, Netflix, and Amazon's Prime Video. This post will go into less know alternatives to TV and internet TV. Most of these try to replace you cable, however they may or may not do a good job, it just depends on what you like and need.

1. DirecTV Now: 
This is actually a very new TV alternative. It was released 11/30/16. DirecTV Now is more of a traditional TV alternative - it tries to replace you cable TV. Does it do a good job? That really depends on what you need.

DirecTV now starts at $35 a month. It goes up to $70. Here are the channels that you get for each package:

  • Live a Little ($35/month): A&E, AMC, Animal Planet, Audience Network, AXS TV, Baby First, BBC America, BET, Bloomberg TV, Bravo, C-SPAN, C-SPAN2, Cartoon Network, CMT, CNBC, CNN, Comedy Central, Crime & Investigation, Discovery, Disney Channel, Disney Junior, Disney XD, E!, ESPN, ESPN2, Food Network, Fox Business Network, Fox News Channel, Fox Sports 1, Freeform, FX, FXX, Galavision, Hallmark Channel, Hallmark Movies & Mysteries, HGTV, History, HLN, Investigation Discovery, Lifetime, MSNBC, MTV, MTV2, National Geographic Channel, Nick Jr., Nickelodeon/Nick at Nite, Pursuit Channel, RFD-TV, Spike, Syfy, TBS, TCM, TeenNick, TLC, TNT, truTV, TV Land, Univision, USA Network, Velocity, VH1, Viceland, WE tv, WeatherNation
  • Just Right ($50/month): Everything in “Live a Little” (except Hallmark Movies & Mysteries) plus Big Ten Network, CNBC World, Comedy TV, Cooking Channel, ESPNews, ESPNU, Fuse, Fusion, GSN, IFC, LMN, MLB Network, NBC Sports Network, Nicktoons, OWN, Science, SEC Network, Travel Channel, UniM├ís, Weather Channel, WGN America
  • Go Big ($60/month, limited-time offer of $35/month): Everything in “Just Right” plus American Heroes, BBC World News, Centric, Destination America, Discovery Family Channel, Discovery Life, DIY Network, FM, Fox Sports 2, FX Movie Channel, fyi, Golf Channel, Great American Country, Logo, MTV Classic, Nat Geo Wild, NBA TV, NBC Universo, NHL Network, Oxygen, Revolt, Sprout, SundanceTV, Tennis Channel, TVG
  • Gotta Have It ($70/month): Everything in “Go Big” plus Boomerang, Chiller, Cloo, El Rey Network, Justice Central, eight Starz Encore channels (Action, Black, East, Family, Classic, Suspense, West, Westerns), Univision Deportes Network

The "Go Big" package is currently on sale at $35 a month and according to DirecTV you can lock that price in. Also if you prepay for 1 month of DirecTV Now you get a free Amazon Fire Stick, if you prepay for 3 months you get an Apple TV free. Since DirecTV is owned by AT&T you can go to an AT&T store and get these items free if you pay in store. Also right now if you are an AT&T mobile customer you can watch DirecTV Now without the data counting against your data limit. 

Finally, another advantage of DirecTV Now is the HBO and Cinemax price. They are each $5 additional. 

One downside to this service include: no DVR feature. They say one is coming in 2017, but haven't identified what date. Although, the lack of a DVR feature sucks, they do have 15,000 on demand titles. While that sounds like alot, it probably won't cover all the shows you want to watch if you missed it live. 

Check out Tech Cruch for a more wholesome review: DirecTV Now

2. Playstation Vue

Playstation Vue is the most complete Internet TV alternative, but I do not recommend it.

Playstation Vue has packages that start at $40 and go up to $70. 

The basic $40 package has similar channels to DirecTV's basic package, however the packages and pricing depend on your location, therefore you can check your packages here: Playstation Vue Channel Lineup

The one nice thing about Playstation Vue is that you can have up to 5 streams at once. DirecTV Now is only 2. The downside is you have to enter a "Home Location" and the 5 streams can only be at your "Home Location" 

The nicest thing about Playstation Vue is that it has a DVR feature. You can record shows and they will stay in your DVR for 28 days.

The reason I do not recommend Playstation Vue is that in my research I have found many people running into a "Home Location Error." This error does not allow you to watch TV. Its one thing to have great channels and a DVR feature, but its another whole thing if the service doesn't work when you need it.

3. Sling TV

Sling TV is the oldest internet TV option that tries to replace you cable. It is mostly live TV and it is a company owned by DISH.

Sling currently has two packages and many add ons. The first package, is the Orange package and it only allows up to one stream for particular channels, it goes for $20 a month. The Blue package is $25 dollars a month and includes more channels, however with this package you can get up to 3 streams at once. You can get both for $40 a month, a $5 discount. Please see this link for the channel lineup: Sling TV

Sling TV does not have a DVR option right now, but certain users are getting a beta DVR option this month. Some Channel highlights include: ESPN, NBA TV, Pac 12 Network, Red Zone Channel, E!, Bravo.




****LEGAL NOTICE BELOW**** 


PLEASE NOTE I AM NOT A NOT A LICENSED FINANCIAL ADVISER NOR A FINANCIAL ADVISER, MERELY A GUY WHO IS INTERESTED IN FINANCE AND LIKES A GOOD DEAL. IF YOU USE THIS BLOG AS FINANCIAL ADVICE, I AM NOT LIABLE FOR ANY LOSSES YOU MIGHT INCUR NOR I AM RESPONSIBLE FOR ANY GAINS, BUT ANY GAINS WOULD BE APPRECIATED :)


Sunday, November 13, 2016

Post 8: Robo Advisor - Wealthfront Review - Part 2 - Returns


About Me: My focus is to provide insights on personal finance.  I graduated from the University of Southern California with a degree in Economics. I enjoy personal finance and I especially enjoy a good deal!

FOR THIS POST I WILL LOOK INTO THE ETFS WEALTHFRONT OFFERS AND TRY TO GIVE AN IDEA OF THE RETURNS YOU CAN EXPECT!


When looking into returns on Wealthfront, I found this article. The returns in that article do not go into depth, so I thought I would do my own research.

Giving a return on Wealthfront can be challenging because everyone's risk score/ risk tolerance may be different. Therefore, in order to give you an idea, I will use my risk score of 6. Before I get into the returns I need you to understand the ETFs they offer.

As I showed you before in Post 7, here are the primary and secondary ETFs Wealthfront offers:


(The last secondary ETF is a little hard to see but it is Municipal Bonds - (TFI) - State Street)

For a 6 risk score you would start with: 35% of your money in VTI Vanguard Fund (US Stocks); 17% of your money in VEA Vanguard Fund (Foreign Stocks); 14% of your money in VWO Vanguard Fund (Emerging Markets); 6% of your money in VIG Vanguard Fund (Dividend Stocks); 5% of your money in XLE State Street (Natural Resources); 23% of your money in MUB iShares (Municipal Bonds). 
(For those of you who are not familiar with Emerging Markets and Foreign Markets, Foreign Markets are those countries that are more developed like in Europe, Emerging Markets are those countries that have not quite developed into their potential, like a Brazil or Argentina.)

Now the percent returns on these ETFs as of 11/03/16 are as follows:



Data pulled from: http://www.etfreplay.com/

Lets say you invest $1000 into Wealthfront, with a risk score of 6 your allocation would be $350 in VTI (US Stocks), $170 in VEA (Foreign Stocks), $140 in VWO (Emerging Markets), $60 in VIG (Dividend Stocks), $50 in XLE (Natural Resources), $230 dollars in MUB.

Here are the returns you might see for each ETF if you invested $1000 like above.




So if you invested $1000 in Wealthfront (with a risk score of 6) at the beginning of 2012 you might expect a $155.45 dollar gain if you sold it at the end of 2012. Also if you invested $1000 dollars at the beginning of 2013, you might expect a $169.83 gain if you sold it at the end of 2013, etc.

If you divided your gain or loss by 1000, here are the percentage returns for each year you would receive.
                                     



Now you need to include fees, reinvested dividends, and tax loss harvesting in order to get a more accurate return. Since you get $10,000 managed free, the only fees you would have to pay are the ETF fees. Your overall expense ratio, or fees the ETFs charge, with a risk score of 6, would be roughly .13% or roughly $1.30 per year for investing in these funds (Assuming you invest $1000). Not bad right?

 (($350*.0005+$170*.0009+$140*.0015+$60*.0010+$50*.0015+230*.0025)/1000)


According to this article, you would receive about a 1.5% boost in earnings from daily tax loss harvesting that Wealthfront offers. 

I am going to estimate you would receive a .25% boost in earning from reinvesting your dividends. 

See table below for summary and total percent return per year.


So there you have it. These are the percent returns each year you might expect from Wealthfront with a risk score of 6. They might be a little lower or a little higher, because when you perform tax loss harvesting you move from one fund to another fund that is similar. The Secondary funds I am sure would have very similar return rates, since they are similar to the primary funds. 



To go a little further, here are the returns you might receive in each year if you only invested $1000 in the beginning of 2012.




So essentially what that says is: if you invested $1000 at the beginning of 2012, you would have about $1500 at the end of 2016.

Please note that these returns are just my opinion and may not come true if you invest in Wealthfront.

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****LEGAL NOTICE BELOW**** 


PLEASE NOTE I AM NOT A NOT A LICENSED FINANCIAL ADVISER NOR A FINANCIAL ADVISER, MERELY A GUY WHO IS INTERESTED IN FINANCE AND LIKES A GOOD DEAL. IF YOU USE THIS BLOG AS FINANCIAL ADVICE, I AM NOT LIABLE FOR ANY LOSSES YOU MIGHT INCUR NOR I AM RESPONSIBLE FOR ANY GAINS, BUT ANY GAINS WOULD BE APPRECIATED :)


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