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Re: Applying for Your First Credit Card

Are you a member of a credit union? Many cu have a getting started package for those just starting out. If you can't find a regular cc, then you might need to get a secured cc.
Mike
by mhalley
Mon Apr 27, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Applying for Your First Credit Card
Replies: 6
Views: 168

Re: 1 year short term investments

Unfortunately there is a difference between saving and investing. You don't invest with money you need in 5 years, as it can always lose money. The only thing to do is a 6 mo cd or a high yield savings account. A short term bond fund MIGHT be a possiblility, but I don't know if you could guarantee a...
by mhalley
Mon Apr 27, 2015 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 year short term investments
Replies: 3
Views: 189

Re: Help getting rid of debt

I am the exact opposite of "handy" so i would never dream of doing this myself, but have read on the net that lots of times a prius battery only has a few dead cells and they can be replaced at home. You might check it out to see if you could save money that way. http://www.thewrap.com/int...
by mhalley
Mon Apr 27, 2015 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Help getting rid of debt
Replies: 56
Views: 2668

Re: Best (Available)Red Wine for under $15 preferrably under

How about a cheap red and a blender? From an article from The Cooking Lab: "... But when you're at home pouring wine for yourself or guests, you can save time and generate entertainment of a different kind by taking a shortcut: dump the bottle in a blender, and frappe it into a froth. (Sediment...
by mhalley
Sun Apr 26, 2015 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 60
Views: 4272

Re: Schwab 529 Plan

Are you completely maxing out your 401k and Roth IRA? I wouldn't start investing for college for a child that is not even born yet, unless I was doing that at a minimum, plus probably saving more in taxable for things such as future house, car, misc. purchases. Just looking at the plan, I think you ...
by mhalley
Sun Apr 26, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plan
Replies: 5
Views: 374

Re: Current Portfolio vs. Where We Should Be

I kind of like option 2, but one is equally valid. We won't know which was the best way to go for 30 years. As to savings, everyone always wants to get market returns on savings. You just have to get into your head that there is a difference between saving and investing. Sure, you are going to make ...
by mhalley
Sun Apr 26, 2015 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Current Portfolio vs. Where We Should Be
Replies: 3
Views: 585

Re: Can we afford, and how to finance

114 minus the 75 k pension plus your ss should mean you will be ok. firecalc gives a 93% chance of success without including any pension/ss (that is at 115k and 2.7 mill assets). Of course that is not including taxes and health care costs. Try I-orp to see if the roth conversions help.
Mike
by mhalley
Sun Apr 26, 2015 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford, and how to finance
Replies: 11
Views: 1356

Re: Roth IRA contributions for a newbie

Will the babysitee give you a W2 or anything? If not, you are self-emplyoyed, which means you have to pay BOTH parts of FICA (social security tax). See this article on it: http://finance.zacks.com/federal-income-tax-rules-babysitting-income-5556.html You might be eligible for some federal tax credit...
by mhalley
Sun Apr 26, 2015 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contributions for a newbie
Replies: 7
Views: 410

Re: investing for child (noob)

There are several options. One is doing like you said, opening up a taxable account in your name, and paying taxes at your tax rate. The advantage of this is that if the kid grows up to be, shall we say, not the ideal child, you still have the money. Taxes on the account will be at your tax rate, bu...
by mhalley
Sun Apr 26, 2015 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing for child (noob)
Replies: 7
Views: 564

Re: Just started reading Bogleheads Guide. So many questions

Welcome to the forum! Dave Ramsey has a great get out of debt strategy, but bogleheads generally disagree with several of his baby steps. Stopping retirerment savings is one of them. so I think investing while getting out of debt is reasonable unless you are WAAAY out of control. We really can't tel...
by mhalley
Sun Apr 26, 2015 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started reading Bogleheads Guide. So many questions!
Replies: 1
Views: 310

Re: Retiring in two months - what to do with TSP?

Congress is always "about to do something". Don't be alarmed by people that yell about stuff like this, usually the ones that are yelling are the ones that want you to buy gold from them. TSP is a wonderful retirement vehicle, I would leave the money there. Many on this board would flee Va...
by mhalley
Sun Apr 26, 2015 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 11
Views: 1224

Re: Minimizing penalties when transferring funds

You basically have 2 options: do it all at once and pay the taxes (be sure to hit your thumb with a hammer right after you hit submit on the trades, that will take your mind off the tax hit), or calculate how much taxes you will pay and do it slowly over the course of a couple of years, while hoping...
by mhalley
Sat Apr 25, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing penalties when transferring funds
Replies: 7
Views: 581

Re: Clarification Regarding Social Security Benefits

Here is a pretty good summary of spousal and widows benefits. http://moneyover55.about.com/od/socialsecuritybenefits/a/socialsecurityspousebenefit.htm There are multiple books out there, such as http://crr.bc.edu/special-projects/books/the-social-security-claiming-guide/ http://www.amazon.com/Social...
by mhalley
Sat Apr 25, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Clarification Regarding Social Security Benefits
Replies: 3
Views: 723

Re: Taxes are killing me

First world/good problem to have.
Mike
by mhalley
Sat Apr 25, 2015 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 2763

Re: Good Modern Science Fiction

Remember the foundation trilogy by Asimov? I hear they are doing a mini series of it for hbo. I guess we will get to see hari seldon nekkid.
http://www.thewrap.com/interstellars-jo ... exclusive/
Mike
by mhalley
Fri Apr 24, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12294

Re: My PC is driving me nuts.

Here is a detailed, extensive step by step guide foar a severe "spring cleaning" of a pc.
http://malwaretips.com/blogs/malware-re ... r-windows/
Mike
by mhalley
Fri Apr 24, 2015 10:28 pm
 
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 1802

Re: I am torn about AT&T stock

Who knows how popular the google fi will be? Republic wireless hasn't done that well, but the don't have the 800 # gorilla of google behind them. Only working with one phone is a drawback, but it is a nice phone.
Mike
by mhalley
Thu Apr 23, 2015 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am torn about AT&T stock
Replies: 19
Views: 1918

Re: Many roads to Dublin [Robo vs. Human Advisor Comparison]

Thanks for changing to the correct subforum, and new subject title.
Mike
by mhalley
Thu Apr 23, 2015 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Many roads to Dublin [Robo vs. Human Advisor Comparison]
Replies: 6
Views: 823

Many roads to Dublin [Robo vs. Human Advisor Comparison]

Ran accross an interesting article on marketwatch regarding how 4 different robo and human advisors would allocate someones portfolio. Chock it up there with the 150 portfolios better than yours. What is your favorite? http://www.marketwatch.com/story/we-asked-4-robo-advisers-4-human-advisers-for-po...
by mhalley
Thu Apr 23, 2015 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Many roads to Dublin [Robo vs. Human Advisor Comparison]
Replies: 6
Views: 823

Re: How much should a small tile floor (3' X 5') cost? $2000

Another option would be a combination. Do the subfloor yourself, and have a professional do the tile. The tile is the most difficult part (if you don't count the possiblity of falling through the floor) :|
Mike
by mhalley
Thu Apr 23, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3242

Re: cleaning plastic eyeglass lenses

All the suggestions above are great. I can't believe what you were told about using a paper towel to clean the lenses. Think for a second: What do you think is more likely to scratch your glasses, something made from a TREE or something made from cotton?
Mike
by mhalley
Thu Apr 23, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1465

Re: Investment advice for 69-year-old

What is the purpose of the money? If your expenses are covered by your pension/ss/rmd, then you could be more aggressive. Otoh, how would your Income change if, god forbid, something happened to one of you? Do you expect to leave the money for heirs/charity? One place to start would be a similar aa ...
by mhalley
Wed Apr 22, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 69-year-old
Replies: 11
Views: 1284

Re: I am torn about AT&T stock

One reason to sell:
Google Inc on Wednesday launched a new U.S. wireless service that switches between Wi-Fi and cellular networks to curb data use and keep phone bills low.
https://fi.google.com/about/plan/
Mike
by mhalley
Wed Apr 22, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am torn about AT&T stock
Replies: 19
Views: 1918

Re: Target Retirement 2040..Why 90% Equities?

If you don't like the TR fund you might consider the Lifestrategy Growth fund. It has similar holdings but maintains a static 80/20 mix. https://personal.vanguard.com/us/funds/snapshot?FundId=0122&FundIntExt=INT#tab=2 or the moderate growth is 60/40. https://personal.vanguard.com/us/funds/snapsh...
by mhalley
Tue Apr 21, 2015 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement 2040..Why 90% Equities?
Replies: 14
Views: 1508

Re: LifeStrategy in all accounts vs tax-aware allocation

I would prefer having some stocks in the roth to take advantage of the tax free growth. Everyone used to always say to put bonds in tax advantaged accounts, but that recommendation seems to have changed some due to the extremely low yields. Emergdoc over at white coat investor has a couple of blog p...
by mhalley
Tue Apr 21, 2015 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy in all accounts vs tax-aware allocation
Replies: 4
Views: 701

Re: historical mutual fund list with total returns

Maybe the payed version of morningstar?
Mike
by mhalley
Tue Apr 21, 2015 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: historical mutual fund list with total returns
Replies: 1
Views: 229

Re: How to evaluate different personal asset protection meth

The umbrella policy is already in place, which is the best option. I know nothing except what i read etc, but have heard dave ramsey say that an llc is a good idea for rental property. He does not recommend one for each property, he says you don't need a second llc until 3 to 5 million in property. ...
by mhalley
Mon Apr 20, 2015 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to evaluate different personal asset protection methods?
Replies: 4
Views: 448

Re: leaving personal capital

Td is offering 600 bucks for 250 k right now i believe, plus free trades. https://www.tdameritrade.com/specialoffer.page You can trade vanguard etfs for free. https://research.tdameritrade.com/grid/public/etfs/commissionfree/commissionfree.asp?fromSectionLeftNav=true If you want mutual funds you wou...
by mhalley
Mon Apr 20, 2015 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: leaving personal capital
Replies: 8
Views: 1023

Re: Best course for former employer 401k funds?

If you list the available funds in both 401ks we could tell whether you shoul roll it into your new 401k, keep it where it is, or roll it over to vanguard or a fidelity ira.
Mike
by mhalley
Mon Apr 20, 2015 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best course for former employer 401k funds?
Replies: 1
Views: 169

Re: Need advice for buying a blu ray player

How about getting an xbox one or a ps4? Now you have a blu ray player, internet player for netflix etc, plus a game console.
Otherwise i would check out avs forums.
http://www.avsforum.com/forum/149-blu-ray-players/
Mike
by mhalley
Mon Apr 20, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Need advice for buying a blu ray player
Replies: 15
Views: 828

Re: Paying for GFs school - any way to help myself?

Like it or not, the institution of marriage gives a lot of legal advantages to a couple. Certain financial arrangements between couples can become quite burdonesome if the reltationship ends and they still have financiale ties.
Mike
by mhalley
Mon Apr 20, 2015 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4657

Re: Yay! I fired my adviser! Now what?!

Welcome to theforum! 1. We generally recommend the 3 or 4 fund portfolio, which is what the vanguard tr fund is invested in. As you have a fair amount in taxable, you may want to go with the individual funds to get your aa rightSine it appears to be mostly stock funds. https://www.bogleheads.org/wik...
by mhalley
Mon Apr 20, 2015 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yay! I fired my adviser! Now what?!
Replies: 11
Views: 2258

Re: Can I open a Vanguard Brokerage account with my...?

Could he mean a sep ira? Or one of the odd ones where you can hold real estate etc
http://en.m.wikipedia.org/wiki/Self-directed_IRA
Mike
by mhalley
Mon Apr 20, 2015 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 25
Views: 1580

Re: Can I open a Vanguard Brokerage account with my...?

I also am not sure what you are looking for. All iras are self directed. Maybe you could go with the etf? Here is a calculator to compare etf vs mf costs. You generally can't buy admiral funds at other brokerages beside vanguard. https://personal.vanguard.com/us/faces/JSP/Funds/Tools/FundsToolsEtfCo...
by mhalley
Mon Apr 20, 2015 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 25
Views: 1580

Re: Neighbor is hoarder, piling garbage outside, collecting

If the neighbor is older, another option might be adult protective services.
Mike
by mhalley
Mon Apr 20, 2015 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4712

Re: where to put rental prop money/profits

Sorry I wasn't clear, I didn't mean add the money you get to the retirement account, I meant add VNQ to the retirement account by selling from your current holdings, and replacing the current holdings in the taxable account, using the money you get from the sale. You will need to come up with a new ...
by mhalley
Mon Apr 20, 2015 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to put rental prop money/profits
Replies: 3
Views: 404

Re: where to put rental prop money/profits

VNQ is not a great holding in a taxable account. You might add it to your retirement accounts and adjust your aa that way.
Mike
by mhalley
Mon Apr 20, 2015 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to put rental prop money/profits
Replies: 3
Views: 404

Re: Helpful apps and/or spreadsheets

I-Orp to check out roth conversions. http://i-orp.com/
by mhalley
Mon Apr 20, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helpful apps and/or spreadsheets
Replies: 2
Views: 362

Re: Put in more than match into 401K?

The general rule of thumb goes something like this:
1. 401k up to the match.
2. Roth IRA
3. Max out 401k
4. Taxable investing.
Very general rules, individual circumstances vary, ie, income, debt, need for short term saving for a house or car or baby, etc.
Mike
by mhalley
Mon Apr 20, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Put in more than match into 401K?
Replies: 5
Views: 873

Re: Paying for GFs school - any way to help myself?

I think the people that were giving the op a "hard time" had their heart in the right place. Many people have had experiences with "gold diggers" or seen relationships go bad. If the OP had titled the post "paying for FIANCEE's..." I think the responses might have been ...
by mhalley
Mon Apr 20, 2015 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4657

Re: Preparing for the Minimum Required Distribution

Another option is to run your situation through http://www.i-orp.com/
You can put in how much you want to leave for your estate, and see how much taxes roth conversions could save you.
Mike
by mhalley
Mon Apr 20, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3007

Re: Contributions to Roth 401k and Roth IRA Exceed Earned In

As long as there is 13 k in earned income, you can contribute 13 k to ira. 401k plays no role.
Mike
by mhalley
Sun Apr 19, 2015 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contributions to Roth 401k and Roth IRA Exceed Earned Income
Replies: 3
Views: 231

Re: Newly Married and Need Investment Advice

Ditto everyone that says to use the TSP. Paul Merriman has a TSP allocation recommendation, as follows: Fund Symbol------------ Aggressive------ Moderate ------ Conservative C-Fund --------- NA ---------30% --------- 18% --------- 12% S-Fund --------- NA --------- 40% --------- 24% --------- 16% I-F...
by mhalley
Sun Apr 19, 2015 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Need Investment Advice
Replies: 19
Views: 1719

Re: Tax planning to prepare for retirement

You could run different scenarios using i-orp. http://i-orp.com/
Mike
by mhalley
Sun Apr 19, 2015 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning to prepare for retirement
Replies: 2
Views: 334

Re: Savings/Investment Help for a Unique Situation

Sorry to here about your disability, but you are in great shape with your pension. Since you have no need for retirement savings, you will need to save for the other things that people need in life. Savings accounts are paying nothing right now, so you are wise in deciding to learn how to make money...
by mhalley
Sun Apr 19, 2015 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings/Investment Help for a Unique Situation
Replies: 7
Views: 741

Re: Non Qualified Plan

I think it can be a valid part of your retirement strategy. While no company is 100% safe from going bankrupt, if your company is a large, well established firm that appears to be very sound financially, then I think it is worthwhile. The percent you should put in it is a wildly personal decision. O...
by mhalley
Sun Apr 19, 2015 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non Qualified Plan
Replies: 5
Views: 514

Re: Battery or Gas Lawn Mower

Looking forward to them finally getting a decent robot lawnmower. Just read about irobot and the controversy over the proposed frequency the mower would use, as it could potentially interfere with radio telescopes. Previously these types would require burying wire etc, a huge hassle. This one will j...
by mhalley
Sun Apr 19, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 2104

Re: was there a recent change in the forum font?

You are correct, it is ctl + (and Ctl - to decrease size). But that does not change the font itself, just the size of the font.
Mike
by mhalley
Sun Apr 19, 2015 1:07 pm
 
Forum: Forum Issues and Administration
Topic: was there a recent change in the forum font?
Replies: 5
Views: 500

Re: was there a recent change in the forum font?

I haven't noticed anything different. Here is a link on how to change fonts in browsers, check and see if you can make it look better for you.
http://www.howtogeek.com/208552/how-to- ... b-browser/
Mike
by mhalley
Sun Apr 19, 2015 12:35 pm
 
Forum: Forum Issues and Administration
Topic: was there a recent change in the forum font?
Replies: 5
Views: 500
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