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Re: Should I buy a New Car?

I think most of the finance gurus recommend keeping a new car for at least 7 and preferably 10 years. So technically you are ok for a new car. Whether to buy new new, or get a 2 or 3 yr old low mileage car is up to your individual situation. I think new cars can often come down to an emotional choic...
by mhalley
Thu Oct 30, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a New Car?
Replies: 17
Views: 676

Re: Elderly parent on path to run out of money in 6 months

The biggest catastrophic event would probably be medical, ie stroke or some other illness requiring him to go to the nursing home. Since he doesn't have any money, then this would be picked up by medicaid. If he has enough money for his daily needs, I don't think there is much to do except to try to...
by mhalley
Wed Oct 29, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elderly parent on path to run out of money in 6 months
Replies: 13
Views: 2958

Re: Finance kids' medical educations with a HELOC?

I will come out against the heloc. The student loan debt will be large, but there are multiple ways to help mitigate this. They can join the military or practice in an under served area (Clark Howard had someone call in today that had 100k of med school debt forgiven for working 2 years in NY). Some...
by mhalley
Wed Oct 29, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 24
Views: 1611

Re: Men's Personal Hygiene Products

Cremo is a pretty good cheap shaving cream, not a lather product. For a shave cream used with a brush, i like taylors of old bond street, and even better is Geo f trumper. For razors like the popular mach 3 etc, either dollar shave club or harrys, of course a lot cheaper to go retro with double edge...
by mhalley
Tue Oct 28, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2866

Re: Career Advice for an Unhappy Young Doctor?

Quincy these days is also a highly trained specialist. Generally you would need to be board certified in forensic pathology. Sure, you might find a job in some rural area as a coroner, but you won't make enough money to live.. Plus you might need to be elected to get the job. I think they start at 4...
by mhalley
Tue Oct 28, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6839

Re: Career Advice for an Unhappy Young Doctor?

I think it is a little early to say it is medicine she is burned out on as opposed to this particular job. There are a plethora of ways if practising as an im trained physician, from private practice to urgent care to er to college health clinic to locum tenems.. Her student loan debt burden may pre...
by mhalley
Mon Oct 27, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6839

Re: Resident- Disability Insurance

I heard clark howard recommend a website for checking insurance quotes. Whether you want to spring for it is a personal decision, but remember disability is 3 times as likely as death.

https://www.policygenius.com/
Mike
by mhalley
Mon Oct 27, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Resident- Disability Insurance
Replies: 7
Views: 761

Re: COBRA and plan changes...

You can contribute to the hsa even though no longer employed at that company. You just need to setup your own hsa account and contribute the money yourself, rather than having it deducted from your paycheck and/or your employer contributing money.
Mike
by mhalley
Sun Oct 26, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA and plan changes...
Replies: 11
Views: 967

Re: Store or cut up un-needed credit cards?

Note that if you want to keep the accounts open, throw them in the drawer and make a small charge on them twice a year. Otherwise you risk the cc co closing them due to inactivity.
Mike
by mhalley
Sat Oct 25, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2456

Re: HSA account with the lowest cost: HSA bank or Vanguard?

There was a thread here on bogleheads about hsa that talked about several options. I recently went with Eli Lilly FCU. They have free etf trading via TD ameritrade. $3 a month fee if you don't leave 2500 in savings paying 1%. Finance buffs review: http://thefinancebuff.com/best-hsa-provider-for-inve...
by mhalley
Sat Oct 25, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 16
Views: 1790

Re: Done with Honda, not sure what next car should be?

I agree that every car company has messed up at one time or another. Looking back at my auto history, I was surprised to note that I have been all over the map, not showing loyalty to anyone. car 1 Mercury cougar 2. amc pacer (what was I thinking) I was poor 3. Toyota Corolla 4. Saab First new car 5...
by mhalley
Sat Oct 25, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6923

Re: Rollover out of Vanguard 529

Looks like all your q are answered here http://www.collegecounts529.com/pdf/taxQA.pdf
Shud be no tax
Mike
by mhalley
Sat Oct 25, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover out of Vanguard 529
Replies: 1
Views: 262

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: 7
Views: 1045

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: 425

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: 7
Views: 1045

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: 929

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: 346

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: 660

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: 805

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: 2569

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: 21600

SERP AA going forward

Deleted due to no replys
by mhalley
Tue Oct 21, 2014 6:29 am
 
Forum: Investing - Help with Personal Investments
Topic: SERP AA going forward
Replies: 0
Views: 75

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: 2189

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: 2308

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: 366

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: 1445

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: 1445

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: 1443

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: 90
Views: 6457

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: 3190

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: 20
Views: 1888

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: 20
Views: 1888

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: Personal Finance (Not Investing)
Topic: Can anybody to backdoor Roth IRA investments?
Replies: 14
Views: 1633

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: 1472

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: 485

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: 1468

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: 979

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: 979

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: 914

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: 1468

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: 574

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: 914

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: 1111

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: 1861

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: 503

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: 2815

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: 1861

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: 1325
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