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Re: Beginning Dividend Investing For Passive Income

Bogleheads are not big on the dividend side of things. We feel that total return investing is the way to go. Also, we don't believe in individual stock picking. Vanguard does have several low cost mutual funds that are designed for people who like dividends. There is dividend growth, dividend apprec...
by mhalley
Sat Mar 28, 2015 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 8
Views: 612

Re: Building up my credit.

The credit union idea is a good one. Some credit unions have a beginner program to help you establish credit, so you should check with ones in your area. Here is an example of such a program at the TN credit union. The Program New Beginning is a special program designed to help you build credit and ...
by mhalley
Sat Mar 28, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Building up my credit.
Replies: 5
Views: 622

Re: which assests should I have in each account type?

I don't think it matters that much. Placement between taxable/tax deferred is more complicated, between 401k and ira and roth not as much. We just don't know when the reversion to the mean will happen, or when the intl will finally perk up. I do think you should have stock mf in the roth as it is wh...
by mhalley
Sat Mar 28, 2015 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: which assests should I have in each account type?
Replies: 1
Views: 229

Re: Am I investing in the right stocks and bonds?

At my schwab 401k after I logon to the account, I can click on Manage account at the top, then click on investments. Then click on either rebalance or transfer or future investments and you will have a long list of what is available. If you click on the individual mutual fund, you will bring up a de...
by mhalley
Sat Mar 28, 2015 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I investing in the right stocks and bonds?
Replies: 12
Views: 1164

Re: Contemplating retirement – advice welcome

Taxes make figuring out the best course of action difficult. I am spending from taxable account, and making roth IRA conversions to help to minimize RMDs at 70 1/2. You can run your numbers at i-orp and get an idea of what your best course of action would be. http://i-orp.com/ I didn't retire until ...
by mhalley
Sat Mar 28, 2015 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contemplating retirement – advice welcome
Replies: 4
Views: 593

Re: 401K and 457K Withdrawals

The year you turn 70 1/2 then you must start taking rmd (required minimum distribution). The amount is based on your age and expected life expectancy, so it will change every year. I think it starts out at 3.6%, so if you had to do it this year it would be 36k.If you don't take the money out, there ...
by mhalley
Sat Mar 28, 2015 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K and 457K Withdrawals
Replies: 1
Views: 176

Re: Sued and won for drycleaner losing suit, suit now found.

[off-topic comment delted by admin alex]
by mhalley
Sat Mar 28, 2015 2:25 am
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 52
Views: 4936

Re: 401k/Investment assistance

Seems VERY conservative for a 30 yo. The general rule of thumb is age in bonds, or age -10 in bonds. I would also lean more towardthe vanguard bond fund. You might review the wiki on aa http://www.bogleheads.org/wiki/Asset_allocation And maybe do the vanguard questionairre https://personal.vanguard....
by mhalley
Sat Mar 28, 2015 2:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k/Investment assistance
Replies: 7
Views: 400

Re: Small estate in Florida - how to find out information

First, sorry for your loss. Whether you would be entitled to the money would depend on her will, plus how the account was set up. If it was in both their names, then you probably would have no standing. If just in her name, then it would depend on the will and whether the account had a beneficiary. ...
by mhalley
Fri Mar 27, 2015 3:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Small estate in Florida - how to find out information
Replies: 2
Views: 339

Re: Two Legged Stool

You might try running through the various SS scenarios using the I-orp calculator. Get the information on how much you would get at each different scenario and run multiple versions and see what gives you the highest probability of success.
http://i-orp.com/

Mike
by mhalley
Fri Mar 27, 2015 2:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Legged Stool [Figuring out when to take Social Security]
Replies: 19
Views: 2055

Re: Building up my credit.

50% is actually too high of a utilization. I believe you should keep it below 30%. Credit cards do not report more than once a month. In fact, some people pay their credit cards more often than monthly to keep their credit utilization low, so your idea does have merit. Say you charge the entire 200 ...
by mhalley
Fri Mar 27, 2015 2:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Building up my credit.
Replies: 5
Views: 622

Re: 401k conversion to Roth question.

I believe this depends on the 401k. Mine would not allow partial rollovers, so i had to convert it all to trad ira then do the partial roth conversion. Check your plan documents or contact your hr dept. You don't need to worry about ira's gumming things up after retirement, they are only a problem i...
by mhalley
Wed Mar 25, 2015 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k conversion to Roth question.
Replies: 1
Views: 241

Re: question re opening an account at a second brokerage

That should be no problem, just tell them to transfer them in kind. You might want to keep some in the td account as i think they have a $75 full account transfer fee. If you fill out their form you can see a place to specify exactly what you want transferred. http://www.schwab.com/public/file/P-188...
by mhalley
Wed Mar 25, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: question re opening an account at a second brokerage
Replies: 2
Views: 230

Re: Free Credit Report

Should have mentioned that it is actually a fako score, but it is generally in line with what the actual fico score would be.
Mike
by mhalley
Wed Mar 25, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 827

Re: should I include a REIT fund with a .77 ER in my portfol

You should look at your entire portfolio as regards to its asset allocation and the overall expense ratio. If you will save more expenses by moving the reit portion to the ira, and putting more in the equity fund in the 401k, then that would be great.
Mike
by mhalley
Wed Mar 25, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I include a REIT fund with a .77 ER in my portfolio?
Replies: 5
Views: 629

Re: 27 Year Old Medical School Graduate With Financial Quest

I would vote against the house, unless you are certain you will be staying in the area after residensy.
Mike
by mhalley
Wed Mar 25, 2015 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 Year Old Medical School Graduate With Financial Questions
Replies: 12
Views: 1999

Re: Employer offering first 401k--lemonade out of lemons?

I would try to replicate the total stock market by using the ssga s&p 500 plus the Ssga midcap fund and smallcap fund. That would be 81% s&p 500, 6% midcap and 13% smallcap for your us portion. Then put your international in the Ssga int and the bond portion in the pimco Total return. This w...
by mhalley
Tue Mar 24, 2015 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer offering first 401k--lemonade out of lemons?
Replies: 21
Views: 1886

Re: Ending Fidelity managed account

You don't HAVE to switch to vanguard. Vanguard is a great company, but iou don't have to move theire to get low cost funds. to Fidelity also offers many low cost funds. Generally these have spartan in their name.
http://www.bogleheads.org/wiki/Fidelity
Mike
by mhalley
Tue Mar 24, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ending Fidelity managed account
Replies: 5
Views: 775

Re: Free Credit Report

Since it has been a while since you checked your credit reports, you might consider checking your fico score also. You can do this for free with credi karma.
https://www.creditkarma.com/
Mike
by mhalley
Tue Mar 24, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 827

Re: Urgent Care Centers - When should they be used?

I have no problem with midlevel providers staffing urgent care centers. Most people will self select and not be that sick anyway. There is always the possibility of someone coming in complaining of elbow pain that is having a heart attack, or a sore throat that has epiglottitis. I worked with many P...
by mhalley
Sun Mar 22, 2015 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3621

Re: Urgent Care Centers - When should they be used?

If there was a major flu epidemic going on, and you had the symptoms of the flu, then perhaps they would be able to diagnose and treat you for the flu. Also, if it is a child, often many children can have a high fever due to a virus, and if they look fine they could be treated as a viral syndrome. I...
by mhalley
Sun Mar 22, 2015 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3621

Re: Urgent Care Centers - When should they be used?

The problem with urgent care centers is that unless your condition is super obvious they do not want to take any malpractice risk and will send you to the er for further evaluation. Any condition that could possibly be serious will result in an uc bill and an ER bill. SO if you have chest pain, shor...
by mhalley
Sun Mar 22, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3621

Re: Opened an account Vanguard yesterday, now having cold fe

Someone is always predicting the end of the world unless you invest in their "tried and true" method of investing. Lets take a look at a couple of these predictions: 24 aug 2010: The Dow Jones Industrial Average will lose about half of its value over the next couple of years as it follows ...
by mhalley
Sat Mar 21, 2015 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3612

Re: Hyped? Growth of 401(k) vs. Roth vs. Regular post-tax ac

Don't most 401k plans waive the front end load?
Mike
by mhalley
Sat Mar 21, 2015 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hyped? Growth of 401(k) vs. Roth vs. Regular post-tax acct.
Replies: 9
Views: 1001

Re: Help! - picking personal accounting software

I haven't used the latest version, but how about Quicken? http://www.quicken.com/compare OR maybe you need something more business oriented like Quickbooks? https://selfemployed.intuit.com/oa?mkwid=GL52hB7v_dc|pcrid|4835705296|pkw|expense%20tracker|pmt|bp|&utm_source=bing&utm_medium=cpc&...
by mhalley
Sat Mar 21, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! - picking personal accounting software
Replies: 4
Views: 439

Re: Help needed: invest my HSA

Look at the Fidelity equivalents of the Vanguard 3 fund portfolio. With Fidelity, for example, you could construct a three-fund portfolio using: Fidelity Spartan Total Market Index Fund (FSTMX) Fidelity Spartan Global ex U.S. Index Fund (FSGDX) Fidelity Spartan U. S. Bond Index Fund (FBIDX) AA per y...
by mhalley
Sat Mar 21, 2015 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed: invest my HSA
Replies: 3
Views: 398

Re: 401k Options Not Great - Looking for Advice

welcome to the forum! 1. Yes, the rule of thumb is something like the 401k fund er has to be above 2 before it negates the tax advantage. 2. The bonds in tax deferred is not as set in stone. http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ With those high bond fund er you might put t...
by mhalley
Thu Mar 19, 2015 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Options Not Great - Looking for Advice
Replies: 2
Views: 296

Re: Several options Listed for my Vanguard Taxable Investing

Admiral shares are available in roth ira. The no bonds in taxable is now more debatable.
http://whitecoatinvestor.com/asset-loca ... n-taxable/
Mike
by mhalley
Thu Mar 19, 2015 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Several options Listed for my Vanguard Taxable Investing
Replies: 8
Views: 1222

Re: Help needed with Edward Jones and 401/403 accounts

I would also like to mention one thing about the Fidelity advisor. He has created a FALSE sense of urgency. Why do you have to make these changes in 30 days? What dire event will transpire if you don't make the trade? Will the fees no longer be available? nope. Will the fees charged for each individ...
by mhalley
Wed Mar 18, 2015 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed with Edward Jones and 401/403 accounts
Replies: 20
Views: 1504

Re: 401K or Roth IRA

The general rule of thumb is:
1. 401k UP TO THE MATCH (so if you are maxing your 401k, cut it back to the match, and have wife put in up to the match) This is FREE MONEY! A PALTRY 25% return on investment makes me salivate.
2. Max roth ira
3. max 401k
Mike
by mhalley
Wed Mar 18, 2015 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K or Roth IRA
Replies: 6
Views: 504

Re: psych intern

The obvious way to decrease your taxes is to contribute to the 403B. Since your income is expected to increase with the moonlighting you won't miss the money. Depending on your moonlighting situation, you may be able to start an individual 401k if you will be an independant contractor, which could r...
by mhalley
Wed Mar 18, 2015 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: psych intern
Replies: 9
Views: 1444

Re: A great shave at a great price

I like Taylor of Old Bond Street pretty well, but right now my favorite is George F. Trumper. Currently using their Coconut flavor, but the plain GFT is good also. Note that the Dorco blades are what you get when you join the Dollar Shave Club as I recall. http://lifehacker.com/5903771/forget-dollar...
by mhalley
Wed Mar 18, 2015 5:20 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 48
Views: 5406

Re: Help needed with Edward Jones and 401/403 accounts

22 funds is....cRAAAAAAAAzy. The Fidelity guy is trying to get you into a complicated, expensive portfolio. If you like Fidelity, then put the money in the FIDELITY FREEDOM INDEX 2015 or 2010 fund. He probably didn't recommend the freedom funds because fidelity won't make nearly as much money on the...
by mhalley
Tue Mar 17, 2015 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed with Edward Jones and 401/403 accounts
Replies: 20
Views: 1504

Re: Need help with the backdoor Roth

You can convert the rollover ira to roth, you just have to pay the taxes on them, no penalties. I don't think this would affect your ability to go ahead and contribute the full amount (5500 ea) to your backdoor roth.
http://www.goodfinancialcents.com/can-y ... from-401k/
Mike
by mhalley
Tue Mar 17, 2015 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with the backdoor Roth
Replies: 4
Views: 554

Re: 529 and Grandparents

The child will never have to pay taxes on it, since they are not the "owner". As long as the rules are followed, the purpose of the 529 is to have tax deferred growth of money. Some states allow a tax deduction on 529 plans, so it might be good for the account to be in grandfather's name s...
by mhalley
Tue Mar 17, 2015 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 and Grandparents
Replies: 9
Views: 946

Re: Generating Income from investments, new retiree

In general, bogleheads are not into things such as living off dividends etc. The consensus is that if you have a sustainable withdrawal rate (? <4%) then you live off a combination of dividends/interest/capital gains plus selling stocks/bonds as needed. So the general 3/4 fund portfolio http://www.b...
by mhalley
Tue Mar 17, 2015 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Generating Income from investments, new retiree
Replies: 3
Views: 831

Re: Article: The Death of The Millionaire Next Door Dream

Dave Ramsey discusses the article on his podcast/radio show from Mon 3/16 Personal note: I grew up on welfare as my father was injured in a coal mine when I was young, and he was not able to work. Nevertheless, I went on to college and medical school with no help from my family, and now am retired a...
by mhalley
Tue Mar 17, 2015 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Article: The Death of The Millionaire Next Door Dream
Replies: 20
Views: 5356

Re: State 529 Plan - How much to contribute?

savingforcollege.com has some calculators to help figure out how much to contribute. If you put in the numbers they get quite scary. I put in Emory and fainted. If you use the general number (which is school costs 25k a year now) it comes back as $511 a month for the 2 yo and $566 a month for the 4y...
by mhalley
Mon Mar 16, 2015 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: State 529 Plan - How much to contribute?
Replies: 32
Views: 2449

Re: Advice on guiding an hour discussion with military

How about how great the TSP is, and how they should leave their money there after leaving the military instead of rolling it over to an IRA?
Mike
by mhalley
Mon Mar 16, 2015 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Advice on guiding an hour discussion with military
Replies: 35
Views: 1931

Greater than Zero

Ran across and ad for https://www.greaterthanzero.com/home?noRedirectToCreateProfile=true over at WCI. This service allows you to put in your account data, then will compare how you would have done if you had invested in a low cost alternative. Looks like it will compare your returns to S&P 500,...
by mhalley
Sun Mar 15, 2015 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Greater than Zero
Replies: 0
Views: 351

Re: Investing in P2P lending

Several of the financial bloggers I read have done this. Their experiences have been good. Certainly I would not do it with a significant portion of my assets, I would say limit it to 5% of your portfolio and to money you can afford to lose. I haven't quite talked myself into doing it. http://www.fi...
by mhalley
Sun Mar 15, 2015 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in P2P lending
Replies: 8
Views: 900

Re: Looking for advice for TLH

You are correct, no taxes in that situation.
Mike
by mhalley
Sun Mar 15, 2015 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for TLH
Replies: 7
Views: 633

Re: Mid Twenties. In need of some financial wisdom.

I don't think the 401k is "terrible" esp if there is a good S&P fund. I would call it "mediocre". I think the cutoff where the tax advantage makes the 401k not worth it has been calculated at 2% in the past. As you have so little in the 401k it will take many years for this t...
by mhalley
Sun Mar 15, 2015 1:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Mid Twenties. In need of some financial wisdom.
Replies: 3
Views: 791

Re: Schwab Intelligent Portfolios [now live]

Slate has a podcast where they discuss the Schwab product.
http://www.slate.com/articles/podcasts/ ... d_the.html
Mike
by mhalley
Sat Mar 14, 2015 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19535

Re: Looking for advice for TLH

1.Well, of course in order to tax loss harvest you have to have a loss. 2. yes 3. I direct my dividends/cap gains to the prime money market fund, and invest from their according to where the money needs to go to maintain my aa. Before I retired and was in a higher tax bracket, I used the tax exempt ...
by mhalley
Sat Mar 14, 2015 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for TLH
Replies: 7
Views: 633

Re: MFS Value Fund (MEIIX)

Bogleheads is not really the place to post about actively managed funds. Morningstar seems to like it. There could be several reasons, has the manager changed recently? You might try the morningstar forums, they don't have an mfs section but perhaps one of their general discussion forums.Here is a l...
by mhalley
Sat Mar 14, 2015 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: MFS Value Fund (MEIIX)
Replies: 1
Views: 199

Re: Capital One seemed happy to lose me as a customer?

I've heard that the internal name of credit card customers that pay the balance in full monthly is "deadbeat".
http://www.creditcards.com/glossary/term-deadbeat.php
Mike
by mhalley
Sat Mar 14, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 3955

Re: New to Investing. Just want to see how I'm doing

Welcome to the forum! Looks like you have a well thought out plan, sliced and diced to value and to small, with the addition of reits. No one knows what the returns are going to be over the next 30 years. Everyone says they will be lower than in the past, but we just don't know. Trying to reach for ...
by mhalley
Fri Mar 13, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing. Just want to see how I'm doing
Replies: 4
Views: 543

Re: Financial Advisor Put Together This Portfolio - Thoughts

When I said the portfolio was not horrible, I was just eyeballing it. It has 41% in relatively low cost funds, then 18% in dodfx which is low cost for a foreign fund (in fact I still have some in an old 401k). I went ahead and ran it through instant xray just to confirm the "not horribleness&qu...
by mhalley
Fri Mar 13, 2015 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor Put Together This Portfolio - Thoughts?
Replies: 27
Views: 2181
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