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Re: Need Advice on Bundling TV/Internet

Tivo is great, but i don't see how you would need their modem to get it. Tivo is miles above cable dvr software, well worth it imo. Go to the website and try to configure what you want, i am not convinced the rep is correct. As for the second tv, you can always just get the basic channels on it, for...
by mhalley
Thu Oct 23, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Need Advice on Bundling TV/Internet
Replies: 4
Views: 597

Re: HSA contribution question

I just retired from my job, and switched over to an hsa plan for cobra and had the same question. After researching it, the answer is YES, but you have to keep a high deductible plan for 1 year. They don't want you to put your hsa money in, get the tax deduction, then switch to a non-hsa plan in the...
by mhalley
Thu Oct 23, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA contribution question
Replies: 3
Views: 367

Re: Need Advice on Bundling TV/Internet

You are not losing the cord. You still will have the cord going from the outside cable to the cable modem. The wireless would be for a tablet, laptop, roku or apple tv etc. Do not rent the cable modem, go online to the co website and see which ones are compatable and buy it from amazon or newegg etc...
by mhalley
Thu Oct 23, 2014 1:11 am
 
Forum: Personal Consumer Issues
Topic: Need Advice on Bundling TV/Internet
Replies: 4
Views: 597

Re: Long Term Care Insurance - Should I Keep?

This is an entirely personal decision. At a million, technically you meet criteria for needing ltci. Not poor enough to get medicaid, not rich enough to self insure. I have heard several radio gurus talk about having some ltci, not enough to completely cover it, but enough that if something happens ...
by mhalley
Wed Oct 22, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance - Should I Keep?
Replies: 11
Views: 851

Re: tax help

The biggest problem is the reit, they are usually not recommended for a taxable account. Did you sell the 81 and 8 k funds, causing a lot of cap gains tax? From the wiki: Efficient Low-yield money market, cash, short-term bond funds Tax-managed stock funds Large-cap and total-market stock index fund...
by mhalley
Wed Oct 22, 2014 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: tax help
Replies: 2
Views: 334

Re: Investment Blogger - Do I need to be a registered advise

Love your reply emergdoc, (if anyone should know the answer to this it is him).
Mike
by mhalley
Wed Oct 22, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Investment Blogger - Do I need to be a registered adviser?
Replies: 6
Views: 641

Re: locating a competent PC repair shop........

It is really tough when you are in a rural area. You might start off with Angies List and Yelp, but it is quite possible that you won't get much in the way of hits. You probably need to network with friends and co workers to see if they have any recommendations. Look for a mom and pop type computer ...
by mhalley
Wed Oct 22, 2014 7:26 am
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 741

Re: What tax software do you use and why

Speaking of tax software through vanguard, how does the free part for flagship clients work exactly? I see that I have to go to turbotax through the vanguard website, I did that and created my turbotax account, I see the little vanguard ship at the home page there. Where exactly does the free part c...
by mhalley
Tue Oct 21, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2538

Re: Roll Call for the Retirement Class of 2014!

Officially retired today. Age 60 tomorrow.
Mike
by mhalley
Tue Oct 21, 2014 6:31 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21437

SERP AA going forward

Tonight was my last shift, so I am officially retired. I turned 60 today, and plan on taking ss at 70, file and suspend for my wife to take her half of my ss at 66. In the meantime, will live off taxable investments, and convert 401ks to roth at least to 15% level for the next several years. Unfortu...
by mhalley
Tue Oct 21, 2014 6:29 am
 
Forum: Investing - Help with Personal Investments
Topic: SERP AA going forward
Replies: 0
Views: 71

Re: Risk in a high dividend stock portfolio

Those stocks will be WAAAY more risky than a normal stock fund. What is the average dividend on dividend type stock funds? Is it anywhere close to 10%? NO. 7%? NO. then surely it must be at least 5% right? Right? nope. You might consider a portion of your portfolio in something like this, but if you...
by mhalley
Tue Oct 21, 2014 2:04 am
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 1883

Re: Multiple Fake "Thank you for your order"?

Most likely malware, but you might consider checking your credit cards to see if there are any unusual charges there. Most likely there will be nothing, but better to know asap in case you need to cancel them.
Mike
by mhalley
Mon Oct 20, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2283

Re: Employer AND IRA retirement accounts

Sure, you can do that. You can open the ira at vanguard, then either fund it by linking your checking account or sending them a check. Initial minimum for a target retirement fund is a thousand dollars. https://investor.vanguard.com/ira/how-to-open-an-ira As you may know, the general recommendation ...
by mhalley
Sun Oct 19, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: Employer AND IRA retirement accounts
Replies: 4
Views: 361

Re: Kindle HDX or iPad Air?

Several different ways to get non-amazon apps on the fire: http://www.zdnet.com/blog/mobile-gadgeteer/download-non-amazon-approved-apps-on-your-kindle-fire/5368 http://kindleworld.blogspot.com/2012/11/the-reviewer-myth-that-kindle-fire.html http://www.howtogeek.com/178357/how-to-sideload-apps-onto-y...
by mhalley
Sat Oct 18, 2014 2:50 am
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1401

Re: Kindle HDX or iPad Air?

This comes down mainly to what platform you prefer. I like the apple ipad, but my wife prefers android devices. Price of course enters into it, they will be coming out with new ipad airs soon so if you wait you could get a better deal on one.
Mike
by mhalley
Sat Oct 18, 2014 2:45 am
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1401

Re: new accounts - getting ready to retire

Have you considered only doing partial rollovers into roth ira to help minimize future rmds?
Depending on whether you already have moneys in an ira, and your total portfolio, this might be better in the long run. You might consider running it through I-Orp
http://www.i-orp.com/
Mike
by mhalley
Sat Oct 18, 2014 2:42 am
 
Forum: Investing - Help with Personal Investments
Topic: new accounts - getting ready to retire
Replies: 14
Views: 1367

Re: Smartphone questions

There are 2 main decisions to make, followed by multiple sub-decisions. First, apple or android. Plepuses ans minuses to noth. Bogleheadish answer is android, you can get much cheaper android phones, although if you go back a generation you can get a cheaper iphone. Second is buy or get a contract. ...
by mhalley
Fri Oct 17, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3736

Re: Is it possible to have a favorite movie

I think everyone has several favorite movies. You might have your favorite comedy (Young Frankenstein), Your favorite action movie (Pulp Fiction), your favorite SciFi (Blade Runner), your favorite Classic (Casablana). Depending on your mood, you will have lots of favorites. The great thing is, they ...
by mhalley
Fri Oct 17, 2014 4:07 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3097

Re: Teaching A Class, What Investment Advice Do I Give?

Also, there is always the chance that a student could complain to the higher ups that you are deviating from Daves philosophy, which could get you not invited back when it is time for the next class. So if you want to keep doing the class in the future, you might need to stay with the program.
Mike
by mhalley
Thu Oct 16, 2014 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Teaching A Class, What Investment Advice Do I Give?
Replies: 19
Views: 1573

Re: Teaching A Class, What Investment Advice Do I Give?

Since you are teaching a structured class, I am not sure if you would be allowed to differ much from Dave's materials. It would almost be like changing his message, like putting the baby steps in different order, or skipping one or something. You do have some responsibility to the material I believe...
by mhalley
Wed Oct 15, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Teaching A Class, What Investment Advice Do I Give?
Replies: 19
Views: 1573

Re: Can anybody to backdoor Roth IRA investments?

Looks like you have it right. Once your check clears for the traditional ira (that can take a while, fastest way is to do a direct transfer from your banking account), login to your traditional ira. I assume you are funding it fully so it will have a balance of 5500, 6500 if over 50. On the right ha...
by mhalley
Wed Oct 15, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Can anybody to backdoor Roth IRA investments?
Replies: 12
Views: 1352

Re: Do you rebalance now?

Rebalancing can mean doing different things, depending on your total dollar amount invested. If you have relatively little, then changing your allocations to the next few additions to the account could achieve the desired results. OTOH, if you have a large balance, then you would need to either sell...
by mhalley
Tue Oct 14, 2014 3:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you rebalance now?
Replies: 17
Views: 1464

Re: Roth to Roth rollover rules

I think you are complicating it by doing this. Why is there a time constraint? You are just asking for an unforseen problem to pop up doing it this way. If everything goes smoothly, then you can do it this way, but if there is a problem it might be a hassle. Trustee to trustee transfer is the way to...
by mhalley
Mon Oct 13, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth to Roth rollover rules
Replies: 4
Views: 475

Re: Preventing animals from chewing through garage threshold

I guess this is what he is talking about?
http://www.elitegaragefloors.com/rodent ... ttom-seal/
But what keeps the rodent from chewing on the rubber part? Sure he can't get in when he hits the metal, but then the outside portion of the seal is ruined.
Mikw
by mhalley
Mon Oct 13, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1460

Re: What's the best Comcast phone and cable deal?

Unfortunately nothing will prevent the cable companies from jacking up their prices if one of these new services roll out. They will probably do just that, along with placing limits on downloads, throttling download speeds, etc. This is why net neutrality is important. This is also why monopolies ar...
by mhalley
Mon Oct 13, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 972

Re: What's the best Comcast phone and cable deal?

Oooma gets great reviews, so that will work good for the phone.Many people are cutting the cord, getting just internet and an ota hd antenna, supplemented with a box such as roku, apple tv or chromecast, with subscription to netflix or amazon prime and hulu plus. I don't think I could bear to wait t...
by mhalley
Mon Oct 13, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 972

Re: Windshield polishing -- any ideas?

You aren't getting one of those obsolete things with only one motor that can't drive itself are you?
Mike
by mhalley
Mon Oct 13, 2014 5:48 am
 
Forum: Personal Consumer Issues
Topic: Windshield polishing -- any ideas?
Replies: 9
Views: 910

Re: Preventing animals from chewing through garage threshold

There are many deterrants to specific animals. I have read that using a hot sauce type product can deter chewing, but you would need to reapply after raining. You can also get various urine products, such as coyote urine. My wife has used that to help repel deer. Here is a list of various chipmonk r...
by mhalley
Mon Oct 13, 2014 4:08 am
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1460

Re: Joint Bank Account and Bill Pay Services

I know it would be a hassle, but why don't you just recreate the billpay list manually? Seems like that would be less hassle than moving the account. You would have to recreate the billpay list anyway if you moved the account. Or, just have your wife logon under your username. I guess techinally tha...
by mhalley
Mon Oct 13, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint Bank Account and Bill Pay Services
Replies: 3
Views: 569

Re: Windshield polishing -- any ideas?

I had some scratches on my windshield and bought a product that was supposed to reduce scratches and supposedly was safe. I ended up making the windshield much worse. Admittedly i am not "handy" but the product supposedly could not add scratches, yet it did. I used a power buffer and follo...
by mhalley
Sun Oct 12, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Windshield polishing -- any ideas?
Replies: 9
Views: 910

Re: Wow at high ER w/Fidelity Freedom funds compared to Vang

They did it for the same reason everyone else does it- to make money. They did recently come out with fidelity freedom index funds, so you might talk to your hr department to see if they can add those instead.
Mike
by mhalley
Sat Oct 11, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wow at high ER w/Fidelity Freedom funds compared to Vanguard
Replies: 8
Views: 1096

Re: Suggest an AM - FM Stereo Receiver?

Ripping is the process of turning your cd into a digital form that is playable on a computerized device. This can be a pc. A mac, an ipod or other type of mp3 player, or an iphone or android phone. Basically you have a computer with a cd player. You install a computer program that can rip the cd. Wh...
by mhalley
Sat Oct 11, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an AM - FM Stereo Receiver?
Replies: 24
Views: 1834

Re: Fixed Income Investments In Tax Deferred Accounts?

I always kept some munis in my taxable account for that reason. The conventional advice has come under fire recently, whitecoat investor had a good article about it on his site. http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ The boglehead wiki also talks about bonds in taxable:http...
by mhalley
Sat Oct 11, 2014 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Investments In Tax Deferred Accounts?
Replies: 6
Views: 500

Re: Financial preparation for a Disaster Event

Just wanted to mention there are many apps out there to help do the home inventory. They guide you through the process, with suggestions of what to take pictures of, and also include the ability to store the info in the cloud. Many of them are free. Just search for home inventory on the google play ...
by mhalley
Sat Oct 11, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial preparation for a Disaster Event
Replies: 25
Views: 2770

Re: Suggest an AM - FM Stereo Receiver?

I have had good luck with yamaha and denon in the past. Sounds like you just want a cheapie. Check out the amazon am fm receiver page. http://www.amazon.com/s/ref=nb_sb_noss_1?url=search-alias%3Daps&tag=bogleheads.org-20&field-keywords=am%20fm%20receiver&sprefix=am+fm+re%2Caps You might ...
by mhalley
Sat Oct 11, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an AM - FM Stereo Receiver?
Replies: 24
Views: 1834

Re: First meeting with real estate agent

Several things i can think of: 1. Be firm with your price range. It is very easy to start out with a price, then the realtor says "i know this is above what you said, but it is such a great deal, you get so much more than those cheaper homes, the neighborhood is much nicer, the schools are bett...
by mhalley
Sat Oct 11, 2014 2:46 am
 
Forum: Personal Finance (Not Investing)
Topic: First meeting with real estate agent
Replies: 14
Views: 1216

Re: SS Benefits for Recently Divorced - No longer Talking Sp

Hmm, I wonder how the file and suspend strategy is affected by the divorces spouse wanting to get benefits, but since not talking to the former spouse he is not taking benefits. I guess you need to open up the lines of communication to get the ex to file and suspend? While this has no effect on the ...
by mhalley
Thu Oct 09, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefits for Recently Divorced - No longer Talking Spouse
Replies: 10
Views: 1796

Re: Anyone ever get a roundtrip violation?

Sorry ladygeek, that was a typo, i meant " short"
Mike
by mhalley
Wed Oct 08, 2014 4:52 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2025

Re: Anyone ever get a roundtrip violation?

Usually it is no big deal if it is a one time thing, just don't make a habit of it. The main thing is to watch out for funds that charge a [(removed) --admin LadyGeek] term trading fee.
Mike
by mhalley
Tue Oct 07, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2025

Re: Is it a no-brainer to cont w/emp health ins vs medicare

This can be a somewhat confusing question, but the good news is that he seems to have lots of different options. I would recommend you try out rubinhealth.com. He has a show on Dr Radio that answers insurance questions. You could either call in to the show, or sign up and post a question on his web ...
by mhalley
Tue Oct 07, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1196

Re: Bancorp (mysmartsaver) HSA

Ahh, i see there is a way arond the fee for transfers.
http://thefinancebuff.com/how-to-rollov ... r-fee.html
Mike
by mhalley
Tue Oct 07, 2014 4:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Bancorp (mysmartsaver) HSA
Replies: 10
Views: 800

Re: Bancorp (mysmartsaver) HSA

Aside from the bogleheads wiki and recent thread, check out the finance buffs blog. He likes eli lilly cu.
http://thefinancebuff.com/best-hsa-prov ... money.html
The do tend to have lots of junk fees. Most will have a transfer out fee.
Mike
by mhalley
Tue Oct 07, 2014 4:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Bancorp (mysmartsaver) HSA
Replies: 10
Views: 800

Re: help me help a friend, financially

Certainly she should wait till next year before withdrawing money to pay off the house to minimize taxes. Whether doing that is a good idea is debatable. Also,i don't think you can withdraw from an ira penalty free like you can from a 401k, so she may not want to roll it over. If she rolled it over ...
by mhalley
Tue Oct 07, 2014 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2372

Re: Pull-ups and Push-ups

Good thought on the micro plates. I have a set of adjustable ankle weights, i could use those instead of forking out the bucks for fractional plates. Why do smaller plates cost so much anyway?
Mike
by mhalley
Mon Oct 06, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46465

Re: Pull-ups and Push-ups

I am having problems finding good information about resistance training for the older person. I am turning 60 this month, and have been weight training as part of a weight loss/general health improvement for 18mos or so. I am a "hard gainer" as I keep reaching plateaus on my lifts. I have ...
by mhalley
Mon Oct 06, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46465

Re: Just need to vent

So did he give you a comparison to what a 3 or four fund portfolio would have made? I suppose you will never be able convine your parents to become bogleheads, but at least they have enough money for their needs, and they didn't go with madoff.
Mike
by mhalley
Sun Oct 05, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3477

Re: Finding inexpensive funds to use to avoid wash sales

I have dodge & cox int in my 401k. Dodfx .64 er
http://quotes.morningstar.com/fund/DODFX/f?t=DODFX
How about using the something like european index instead? Still cheap, def not similar to dev markets.
Mike
by mhalley
Sun Oct 05, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Finding inexpensive funds to use to avoid wash sales
Replies: 17
Views: 951
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