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Re: Recommended Risk assessment questionnaires?

There are a bunch of these out there. Of course vanguard has one.
https://personal.vanguard.com/us/FundsInvQuestionnaire
Have him review the sticky with the part about need and ability to take risk.
viewtopic.php?t=6211
Mike
by mhalley
Mon Sep 15, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended Risk assessment questionnaires?
Replies: 4
Views: 436

Re: Should I step in to help my in law pay off credit card d

One option is to pay the debt off for her and let her pay you back at no interest. Certainly if you have the money and she is poor, then paying it off is great. However, some people take pride in paying off their debts, so maybe you could have a conversation about it. " Mom, we are so sorry for...
by mhalley
Mon Sep 15, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2559

Re: Most cost effective means of protecting physical assets

I think that locks are there to keep the honest people honest, and if they want to break in then they will. If you keep anything really valuable (say gold bars or expensive jewelry), then you could get a really good safe, and by really good I mean really expensive. Otherwise, lighting, keeping shrub...
by mhalley
Mon Sep 15, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 47
Views: 3419

Re: Draw Taxable Investments First?

You might try running your numbers through i-orp to see how your exact situation can be best managed to minimize taxes. Whether it is better to withdraw from taxable or tax-deferred depends on several variables, among them how much income you need, how much is in each account, etc. . Certainly you w...
by mhalley
Mon Sep 15, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Draw Taxable Investments First?
Replies: 6
Views: 609

Re: car financing

The main thing is to make sure that your fico score is high enough to qualify for the zero percent deal. usually up to 700-720. You want to negotiate the price, and not discuss financing until the price is firm. Resist all the extras they want to sell you.
Mike
by mhalley
Mon Sep 15, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: car financing
Replies: 3
Views: 438

Re: Long term care insurance

by mhalley
Mon Sep 15, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 2
Views: 340

Re: Good hobby for a bright/obsessive 9 year old?

Drones seem to be very poplular these days, so along with the model airplane idea you could go with those. Or model rockets. And for programming, apple just released a new programming language to create apps, perhaps he could learn that. There are many computer games out there that allow you to crea...
by mhalley
Mon Sep 15, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 2925

Re: Roth IRA vs Mutual Fund. Inexperienced Investor

You have to wait 31 days to buy the exact same investment to avoid what is called a wash sale. So you can wait 31 days and buy the exact same fund, or you can sell and then immediately replicate the fund using one or more different ones. Say you have the total stock market fund. To replicate it, you...
by mhalley
Mon Sep 15, 2014 4:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs Mutual Fund. Inexperienced Investor
Replies: 11
Views: 573

Re: SIMPLE IRA & Solo 401(k)?

What type of an investment property is it? "Owning rental property qualifies as a business if you do it to earn a profit and work at it regularly, systematically, and continuously. You may need to talk to an accountant to see if they think it qualifies. If it does, then you should certainly set...
by mhalley
Sun Sep 14, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: SIMPLE IRA & Solo 401(k)?
Replies: 5
Views: 326

Re: DINK 200K household income - ways to reduce taxable inco

The most obvious way to reduce taxes is charitable giving. If you start a business then you could do an individual 401k, or if you bought an investment property then you could do depreciation etc. Do you have a cause that you believe in? If so, be sure to check out the charity at one of the websites...
by mhalley
Sun Sep 14, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3440

Re: Am I in over my head?

This money can give you a great start in life. The first thing to do is to set goals. Do you want to go to college? If so, Did your parents plan to pay for it, and do they still plan to now that you have this $? There are many things this money can be used for. College, business, buy a house, the li...
by mhalley
Sun Sep 14, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4373

Re: Hearing aids - for those that use them

I have been thinking about getting a pair. As a bridge until i decide what to do i bought a pair of bluetooth headphones and a bluetooth transmitter and hooked it up to the cable box. I have read good things about this otc model hearing aid, but have no personal experience. They do have a 100% satis...
by mhalley
Sun Sep 14, 2014 3:50 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1616

Re: Is my computer monitor going bad?

I can't quite figure out what the problem is from your description. Is it taking several minutes for it to come on? Do you see the windows boot up messages? Are you turning the monitor and the pc on at the same time? Could it be that the pc is taking a long time to boot? Do you see any weirdness, fl...
by mhalley
Sat Sep 13, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Is my computer monitor going bad?
Replies: 12
Views: 682

Re: Glitchy Web-Browsing

If things were fine until you got a new internet source, then it seems that would be the problem. Ensure that all the cables are connected properlY. Turn off (unplug) the modem foar several minutes. Go to an internet speedtest site and check to see if the speed and latency is ok. http://www.dslrepor...
by mhalley
Sat Sep 13, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 907

Re: Recommend good fantasy (alternative history) book?

Hmm so you want more historical than pure fantasy? How about the ring of fire series by eric flint? The story is about an entire town in wv is transported back in time to germany in the year 1632 and the impact this has on history. Multiple books in the series with different authors. Starts with 163...
by mhalley
Sat Sep 13, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 4
Views: 290

Re: IRA to Roth conversion after retirement ?

Try running your scenario through i-orp with roth conversions turned on then turned off.

http://www.i-orp.com/
Mike
by mhalley
Fri Sep 12, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion after retirement ?
Replies: 14
Views: 1293

Re: Feeling smug until 10 year ROR from Vanguard

I still have a year to go to reach 10 yrs at vanguard, i got 6.3% since inception, 9.5 5yr.
Mike
by mhalley
Fri Sep 12, 2014 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 78
Views: 6874

Debt repayment per financial samurai

We see a fair number of invest vs paydown debt posts on this board, so i thought i would bring this artical to the boards attention. Financial samurai posted a recommended methodology of basing the amount to put towards debt as a percentage based on the interest rate of the debt. He advocates 100% d...
by mhalley
Fri Sep 12, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt repayment per financial samurai
Replies: 0
Views: 276

Re: Electronic rent payments

I wonder if you could create a bluebird account and give her the atm card?
https://www.bluebird.com/?SOLID=%20BBSE ... em-branded
Mike
by mhalley
Fri Sep 12, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Electronic rent payments
Replies: 15
Views: 1261

Re: Neighborhood kid around 13 throwing rocks at my house

Are the rocks actually Hitting the house, and haven't caused damage because they just hit something that is hard to damage? Is there any reason for this kid to dislike you? (get off my lawn, whatever? I think you need to be sure this is the actual culprit, photographic evidence would be nice. (note ...
by mhalley
Fri Sep 12, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 2976

Re: buy VSMGX v.s. directly buy the funds in VSMGX

The difference in fees are pretty minimal, I think either way is fine. If you get up to the admiral shares it might be a little cheaper to go with the individual funds. In a taxable account, you could do tax loss harvesting. Either way is fine, the enemy of a good plan is the search for the perfect ...
by mhalley
Wed Sep 10, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: buy VSMGX v.s. directly buy the funds in VSMGX
Replies: 4
Views: 444

Re: Portfolio help for a newbie

The Frequency of rebalancing is a matter of personal preference. You can use bands, do it yearly, Otar recommends every 4 yrs during presidential elections. Vanguard seems to recommend annually at 5% bands.
http://www.bogleheads.org/wiki/Rebalancing
Mike
by mhalley
Wed Sep 10, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for a newbie
Replies: 4
Views: 484

Re: Kindle

You can subscribe to Bookbub, put in what type of books you like to read and they will send you a daily email for free and cheap kindle books.
Mike
by mhalley
Wed Sep 10, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kindle
Replies: 15
Views: 1349

Re: Long First time post and checking in

So you are debt free except for a mortgage, have almost a million dollars in savings, putting away 125k a year with a retirement time horizon of about 20 years. In addition, you have great 401k choices. I think you are doing great. Run some of the retirement calculators and take a look at their proj...
by mhalley
Tue Sep 09, 2014 5:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Long First time post and checking in
Replies: 4
Views: 589

Re: Is My Car Insurance Plan Enough? - the Bogle way!

You might be able to get cheaper insurance, you will just have to get some quotes. I would recommend that you increase the deductible, assuming you have your emergency fund in place so that if there is an accident you will be able to pay out of pocket expenses. I would not recommend getting roadside...
by mhalley
Tue Sep 09, 2014 4:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1364

Re: How many books at one time?

I always do one fiction book at a time. Occassionally i might intersperse a nonfiction work, but never do i have 2 fictions in progress.
Mike
by mhalley
Mon Sep 08, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: How many books at one time?
Replies: 16
Views: 646

Re: Vanguard Lost $50k

I think the biggest problem in a situation like this is the uncertainty. For the OP, Vanguard has said they have no idea what happened, why it happened, when or if it will be fixed and what time frame he is looking at. I believe that the Vanguard rep could have been a little more reassuring, and giv...
by mhalley
Mon Sep 08, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10688

Re: Advice on my prior accounts

You might consider rolling some of the deferred accounts into your roth IRA while you are in the low tax bracket this year. Doing it even up to the 25% bracket might make sense. You might check one of the online roth conversion calculators to be sure. http://www.bankrate.com/calculators/retirement/c...
by mhalley
Mon Sep 08, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on my prior accounts
Replies: 5
Views: 555

Re: Land line for renter in S Florida

How about something like a straight talk landline phone? The service is very cheap. I understand that if they work fine then they are great, but customer service is somewhat lacking. It is only 15 bucks a month for unlimited service. http://www.walmart.com/ip/Straight-Talk-Wireless-Home-Phone/220846...
by mhalley
Mon Sep 08, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1087

Re: Good Modern Science Fiction

I love the Mistborn series and others by Sanderson. I seem to actually be reading more fantasy now than SF, don't get me started on some of the great fantasy that is out there!. Another thing you might try if you like military SF is Haldeman's Forever War books. http://www.amazon.com/s/ref=sr_nr_p_l...
by mhalley
Mon Sep 08, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5063

Re: Good Modern Science Fiction

I enjoyed donaldson gap series. I like peter hamilton. Dan simmons ileum and olympos were great. I also loved his hyperion cantos.I second scalzi. Not so modern, but have you read larry niven? http://www.sfreviews.net/ilium.html http://www.amazon.com/s/ref=nb_sb_ss_c_0_11?url=search-alias%3Dstripboo...
by mhalley
Sun Sep 07, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5063

Re: Where is Zvi Bodie?

Ok lets start an internet meme: Zvi Bodi has been pecked to death by a Black Swan. Nasim Taleb denies any knowledge of this, but thinks it is highly improbable.
Mike
by mhalley
Sun Sep 07, 2014 5:24 am
 
Forum: Investing - Theory, News & General
Topic: Where is Zvi Bodie?
Replies: 4
Views: 1203

Re: Lawnmower/gas issues

I wouldn't think that a 2007 engine would be considered "old". Certainly I could be wrong, I don't know when the small engine companies changed their manufacturing process to better accomidate gasahol.
Mike
by mhalley
Sun Sep 07, 2014 4:17 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2019

Re: High ER 401K funds help !

Why do you have an arm instead of a 15 yr or 30 yr mortgage? Unless you are planning on moving, you might want to get a fixed mortgage. I prbly wouldn't pay down on the mortgage at this time. If u are maxing out roths then i would max out 401ks before funding 529.
Mike
by mhalley
Sun Sep 07, 2014 3:46 am
 
Forum: Investing - Help with Personal Investments
Topic: High ER 401K funds help !
Replies: 7
Views: 659

Re: Injury on MBTA: Financially worth it to hire an attorney

I love the fact that someone wants to see a lawyer before even seeing a doctor. No wonder there is expected to be a huge physician shoirtage.
Mike
by mhalley
Sun Sep 07, 2014 3:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Injury on MBTA: Financially worth it to hire an attorney?
Replies: 27
Views: 1972

Re: Help with Retirement/Investing

I think you are doing great. While wanting to have all low cost index funds is great, I think sometimes we get blinders on and don't see the forest for the trees. Which is better, NOT having a bond fund when you should because the 401k bond fund is not a "perfect" one, or having a bond fun...
by mhalley
Sun Sep 07, 2014 1:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement/Investing
Replies: 9
Views: 922

Re: Q for those of you over 59.5 YO and a Roth IRA

I am retiring next month, and plan to convert my 401ks gradually to roth iras, so I want my Roths to grow for now. Thus I reinvest within the ROTHS.
Mike
by mhalley
Sun Sep 07, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1183

Re: Help: do I need to transfer out of this SVF ?

I take it you mean the stable value fund? I don't think that changing providers would count, I imagine they will just switch it over to the equivilant svf at fidelity. If it is of a concern, you can always sell it just prior to the blackout period, and buy the svf at fidelity.
Mike
by mhalley
Fri Sep 05, 2014 4:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: do I need to transfer out of this SVF ?
Replies: 9
Views: 612

Re: HELOC Vent

the heck with complaining, move your mortgage and cancel all credit cards, checking and savings accounts with this institution.
Mike
by mhalley
Fri Sep 05, 2014 4:16 am
 
Forum: Personal Finance (Not Investing)
Topic: HELOC Vent
Replies: 19
Views: 2023

Re: Portfolio planning for 2 physician household - 401k 457b

Have you decided what you want for your stock/bond and your other asset allocation? are you going for a 3 fund portfolio, or do you want to slice and dice? Here are a couple of suggestions: *assuming 70/30 stock bond 1. Simplist: 70% BTIIX, 30% PTTRX 2. 3 fund porfolio: 50% BTIIX, 20% SGIIX, 30% PTT...
by mhalley
Fri Sep 05, 2014 4:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 10
Views: 1123

Re: Schwab PCRA...Worth it?

I have the Schwab pcra in my 401k and I love it. It can be automated. This is per indexfundfan who turned me onto it: To automate pcra investing: ) Have your 401(k) contributions go into the PCRA option 2) Login to your PCRA account and select Trade > Mutual Funds > Automatic Investing and follow th...
by mhalley
Fri Sep 05, 2014 3:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab PCRA...Worth it?
Replies: 6
Views: 480

Re: Lawnmower/gas issues

I just don't buy that it is the ethanol in the gas. gasahol has been around for years, and if it was causing premature implosions of lawn mowers it would be a major story. dirt in the lines is not about the alcohol in the gas. I guess the ethanol can cause some water. I never put stabilizer in my to...
by mhalley
Fri Sep 05, 2014 3:41 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2019

Re: cell phone for kids

Way too young, Really not a good idea.
http://www.nytimes.com/2010/06/10/techn ... .html?_r=0
Mike
by mhalley
Fri Sep 05, 2014 3:24 am
 
Forum: Personal Consumer Issues
Topic: cell phone for kids
Replies: 25
Views: 1259

Re: Going to be need to purchase a new car soon, need help

Looks like a 720 is what qualifies you for the new car zero percent loans, so you should get a pretty good rate. Geico doesn't have a bank, but they do have a car buying service, so it might be worth checking out. https://geico.truecar.com/main.html?referrer_id=ZGCOIVBP001 Hyundais are sort of looke...
by mhalley
Thu Sep 04, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2444

Re: So, when does a market timer get back in?

The secret is to SAY you got out at the top and bought back in at the bottom. (never actually let anyone see your trade confirmations, that takes away the mystique)
Mike
by mhalley
Thu Sep 04, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5499

Re: Going to be need to purchase a new car soon, need help

Most of the time you need to be a member of the credit union to get a loan, but generally that just means opening up a small savings account with them. What type of car insurance do you have? State farm has a bank, I got a car loan through them once that was quite competitive. there are many online ...
by mhalley
Thu Sep 04, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2444

Re: Coming into large sum of money, need help investing

I think the most important thing to realize is that there is no hurry to jump in to get this money invested. you should take your time to educate yourself, read some of the recommended books, review the Wiki, etc. Start off with the wiki regarding a windfall: http://www.bogleheads.org/wiki/Managing_...
by mhalley
Thu Sep 04, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming into large sum of money, need help investing
Replies: 7
Views: 1118

Re: my strategy, is this OK?

I think the general consensus is that the funds have to be up to about 2% ER before it makes it a no brainer to NOT contribute to the 401k. Here is what the Wiki has to say about it: Even in a bad 401(k), you should contribute up to the company match. Choose the lowest-cost funds; many bad 401(k)'s ...
by mhalley
Thu Sep 04, 2014 2:57 am
 
Forum: Investing - Help with Personal Investments
Topic: my strategy, is this OK?
Replies: 8
Views: 1048

Re: Malpractice lawsuit from residency?

There will be no "cutting a deal" with the plaintiff. There should be no contact with the plaintiff at all. Occasionally the plaintiff will be present at a deposition, but most likely there will be absolutely no contact between the parties, and you will not see them unless the case actuall...
by mhalley
Thu Sep 04, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: Malpractice lawsuit from residency?
Replies: 16
Views: 2570
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