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Re: Backdoor Roth IRA Timing Question

So is that 200 bucks you get for transferring 50k?
http://content.schwab.com/web/retail/pu ... or_reward/
Doesn't seem worth losing the roth conversion at low tax rate to me.
Mike
by mhalley
Mon Aug 25, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Timing Question
Replies: 10
Views: 784

Re: Google Chrome vs. Firefox and Internet Explorer

I don't know if this will help, but if you are running win 7 or 8 64bit, a beta 64bit chrome is available. Might be worth a try.
https://www.google.com/chrome/browser/beta.html
Mike
by mhalley
Mon Aug 25, 2014 2:19 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome vs. Firefox and Internet Explorer
Replies: 24
Views: 1617

Re: What 5 stocks can I own forever?

How about looking at the etf that holds 100 yr old companies? Pick -5- The PowerShares NYSE Century Portfolio (Fund) is based on the NYSE Century IndexSM (Index). The Fund will normally invest at least 90% of its total assets in equity securities that comprise the Index. The Index is designed to mea...
by mhalley
Mon Aug 25, 2014 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4262

Re: Health Insurance

1000 and 30 percent is actually not bad. What is the maxium? You can go to healthcare.gov and compare their plans to what you have now to see which is better.
Mike
by mhalley
Sun Aug 24, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 6
Views: 917

Re: SS Benefit Amounts

YOu might try downloading the anypia tool from ss and see if that gives you a better answer.
http://www.ssa.gov/oact/anypia/anypia.html
Mike
by mhalley
Sun Aug 24, 2014 2:18 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1080

Re: Is it me, or are "collectibles" worthless in 2014?

Collectibles sometimes seem to run in cycles. Some things are classic tho.
http://www.washingtonpost.com/news/comi ... ing-comic/
Mike
by mhalley
Sun Aug 24, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 5820

Re: I need "Ultra High Net Worth" investing advice please

Just my opinion based on nothing, but if I had that much money I would consider investing maybe 10 million in real estate.
Mike
by mhalley
Sun Aug 24, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 213
Views: 14524

Re: Help - my IRA got distributed without my instructions

You have 60 days to roll the money over into another ira. If you have the 4k handy, you can put that in there too, and get the 4k back with your tax refund. If you don't have the 4k, then i guess you lose that portion of your ira space, but at least you get the money back. Seems pretty lame for them...
by mhalley
Sat Aug 23, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Help - my IRA got distributed without my instructions
Replies: 9
Views: 1073

Re: Life insurance with Long term care rider

Clark howard had a caller ask about them recently. Clark was not a fan.
Clarks guide to ltc
http://www.clarkhoward.com/topics/LTC_list/
Mike
by mhalley
Fri Aug 22, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with Long term care rider
Replies: 31
Views: 1510

Re: Rebalancing After a Correction

You might look at otars book, Unveiling the Reirement Myth he gives some strategys for tactical asset allocation and other strategies and how to execute them. Worth the read at 6 bucks.

http://www.retirementoptimizer.com/
Mike
PS, not for the faint of heart, very scary read.
by mhalley
Wed Aug 20, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing After a Correction
Replies: 13
Views: 1311

Re: Your biggest "Missed Money" event that still kills you?

Smacks self upside the head with a wet noodle!
Mike
by mhalley
Wed Aug 20, 2014 1:15 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7930

Re: Europe travel: best card for ATM cash

I was listening to clark howard today and he recommened bluebird for this.
https://www.bluebird.com/
Mike
by mhalley
Tue Aug 19, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1943

Re: Your biggest "Missed Money" event that still kills you?

Not buying i-bonds back when mel was extolling their virtues. 3% just seemed so LOW lol:(
Mike
by mhalley
Tue Aug 19, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7930

Re: Getting (more) accurate readings from scale

The body fat % scales are notoriously inaccurate. If your feet are wet, then inaccurate is not the word. Perhaps not even close? It might be helpful as a general tren if you are on a diet. On the whole, if you want your body fat %, then gest some calipers to measure skin fold.
Mike
by mhalley
Sun Aug 17, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Getting (more) accurate readings from scale
Replies: 11
Views: 1085

Re: Vanguard Agent Authorization

I do that with my and my wifes account frequently and never had a problem. I know that computers have become ubiquitous, but how many households still have only one computer? I would say most.
Mike
by mhalley
Sun Aug 17, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2585

Re: Spouse not ready to cut ties with financial advisers

The main thing is that you and your husband have to be on the same page. If you nag him into changing, and the stock market goes down, then it will be your fault. A couple of things i would uou might consider. Get a personal capital account (i am assuming that the assets are in an institution that h...
by mhalley
Sun Aug 17, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 111
Views: 8437

Re: Is buying two SUVs a sane/good financial move?

the 2009 mini cooper does get 4 and 5 star safety rating. It does have abs, but not electronic stability control. Would I upgrade a car just to get esc? Probably not, but if I were upgrading anyway the new car would definitely have it. There is no question that it does help reduce accidents, so if t...
by mhalley
Sun Aug 17, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3692

Re: Do Super wealthy have access to different investing vehi

Victoria, i hereby volunteer for the experiment as one of the super wealthy. Paypal the funds to me quickly, please.
Mike
by mhalley
Sat Aug 16, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6254

Re: Looking for financial planning pointers for buying a hou

If only the wife has a good credit score, then you would need to apply just using her her income. Therefore, you will want to build up your credit score, to qualify for a higher total mortgage loan. You don't have bad credit, you have no credit. This is often regarded as the same thing by lenders. I...
by mhalley
Sat Aug 16, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for financial planning pointers for buying a house
Replies: 9
Views: 1021

Re: Help-Do I need a chip/pin card in europe?

The biggest problem so far seems to be with paying for stuff at unmanned kiosks. If you aren't renting a car so you have to pay for gas, or getting train tickets during off hours, you should be fine.
Mike
by mhalley
Sat Aug 16, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1155

Re: Looking for financial planning pointers for buying a hou

By definition what you are doing is Saving and not Investing, and since your time horizon is less than 5 years, then you should save in something with no chance of the money not being there when you want it. That leaves you with something like a cd ladder, or perhaps a short term bond fund. OTOH, yo...
by mhalley
Sat Aug 16, 2014 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for financial planning pointers for buying a house
Replies: 9
Views: 1021

Re: Vanguard Lost My Account

Perhaps someone tried to login to the account and got it locked out because they got the password wrong. Upon occassion i have attempted to login to my account, put in the password a couple of times, only to realize i have mispelled my user name. So it is not neccessarily something nefarious, just s...
by mhalley
Fri Aug 15, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10379

My Portfolio (according to JemStep

So I played around with some of the online sites (jemstep, futureadvisor, personal capital, etc) to evaluate what they offer. I decided not to go with any of them, but to pursue my normal self-directed boglehead portfolio. Of course they keep sending me emails to get me to sign up for their services...
by mhalley
Fri Aug 15, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Portfolio (according to JemStep
Replies: 0
Views: 195

Re: How to organize accounts for paying off $50k in debt.

Dave ramsey advocates the envelope system. He even sells some systemslol. Ynab is fairly expensive. YoU can find it for 15 bucks during the steam sale, but you just missed it, will prbly be another sale in a few mos. There are numerous smartphone/tablet apps that are free if you have a device. I wou...
by mhalley
Fri Aug 15, 2014 2:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How to organize accounts for paying off $50k in debt.
Replies: 13
Views: 1091

Re: Taxable account strategy for young investors

Paying higher taxes on higher returns is preferable to paying low taxes on low returns, but paying low taxes on medium returns is even better. Depending on your tax rate, you might consider going with something like tax managed balanced instead of wellesley, (that is if you don't want to split it up...
by mhalley
Thu Aug 14, 2014 4:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account strategy for young investors
Replies: 7
Views: 882

Re: MDs should I contest hospital privileges?

If you have no interest in working then what is the point? Why spend your time and energy on it? Perhaps the hospital knew you were retiring so they didn't think you wanted to continue having privileges. I imagine they must have some sort of ongoing paperwork regarding keeping you on staff, so most ...
by mhalley
Thu Aug 14, 2014 3:25 am
 
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1782

Re: Real world mechanics of a "backdoor" Roth

1. Nondeductable is just an irs term. Just open the Traditional IRA, then transfer the funds over to the roth. When you do that, you will get a warning that it is a taxable event. 2. The brokerage firm will send you a form about the distribution. I think you have to fill out an irs form 8606. http:/...
by mhalley
Wed Aug 13, 2014 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Real world mechanics of a "backdoor" Roth
Replies: 11
Views: 1340

Re: Liberated from Fidelity PAS at work - now what

Man that advisor really screwed up. How dare he put a spartan fund in there? It is bringing your ER down TOO LOW!
Mike
by mhalley
Wed Aug 13, 2014 5:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Liberated from Fidelity PAS 401k - now what
Replies: 15
Views: 1426

Re: Asset Management Diversification, via VG ETFs ?

I have about a third with vg, 1/3 with fidelity, and the other split between schwab and usi (work 401k). I like being diversified accross providers. There is probably nothing wrong with having everything in one place, but I sleep better at night knowing if something happens not all my money will be ...
by mhalley
Wed Aug 13, 2014 5:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Management Diversification, via VG ETFs ?
Replies: 7
Views: 492

Re: Which 4 door with 250+ hp

I love my tl. The new tlx is getting some good reviews, sio you should def do a test drive. Quote: The new TLX is so good, you’d be crazy not to cross-shop no matter which compact sports sedan you’re initially considering. The main competitors will be the Audi A4, BMW 3 Series, Cadillac CTS, Infinit...
by mhalley
Sun Aug 10, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 83
Views: 5952

Re: Best websites to buy quality meat for grilling?

I bought some Allen brothers as a gift for my in-laws, they were pretty good.
http://www.allenbrothers.com/
Mike
by mhalley
Sat Aug 09, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2669

Re: High Fee 401k

Perhaps you should also figure in having some roth conversions after retirement at say 15%?
Mike
by mhalley
Sat Aug 09, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Fee 401k
Replies: 18
Views: 949

Re: Oldest age to start medical school?

I think the biggest obstacle these days is the extremely high cost of medical school. If you only work 20 years after having a huge debt load, then paying it off plus saving for retirement might become problematic, depending on your specialty and how much money you are making. If, otoh, you are set ...
by mhalley
Sat Aug 09, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5489

Re: What do you think? Medical Coverage Cost / Coercion ?

My insurance started a wellness program about 2 years ago. You had to fill out a wellness questionaire, go to the doctor for a checkup which included bmi, bp and cholesterol. If you were fine, great, If you did not do the checkup and fill out the questionaire, they charged you an extra 80 bucks a mo...
by mhalley
Fri Aug 08, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: Social Security Example / ?

You can put in the appropriate dates and get the percentage of spousal benefits here:
http://moneyover55.about.com/gi/o.htm?z ... pouse.html
Mike
by mhalley
Fri Aug 08, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Example / ?
Replies: 7
Views: 544

Re: Digital Transport Adapter, now what?

I saw this one recommended on a senior site. Seems to work with tv and cable boxes. Some features: •Works with your TV and cable, satellite or over the air DTV box •Features large tactile friendly buttons, and full function labels for easy use •Favorite Channel feature allows you to program up to 30...
by mhalley
Thu Aug 07, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Digital Transport Adapter, now what?
Replies: 5
Views: 366

Re: Automatic PCRA investment

Wow, thnks indexfundfan,mine has that option also, been doing it manually all this time. Yet another reason i frequent this forum, you learn something new here all the time!
Mike
by mhalley
Wed Aug 06, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Automatic PCRA investment
Replies: 11
Views: 582

Re: Automatic PCRA investment

Ditto here, my schwab pcra goes into the mm fund and i have to manually invest it each month.
Mike
by mhalley
Tue Aug 05, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Automatic PCRA investment
Replies: 11
Views: 582

Re: allocation at retirement

Depending on how much you are saving for the next 2 years you can put those savings into bonds' but most likely u will have to sell some funds. Are the balanced funds all 60/40? Some here like a mix of wellesley and wellington to get to an aanof 50/50.
Mike
by mhalley
Tue Aug 05, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: allocation at retirement
Replies: 11
Views: 714

Re: Advice on transferring funds to Vanguard

If it is in taxable account, then I would prefer to go with the 3 or 4 fund portfolio in order to take advantage of tax loss harvesting. Sure 10k isn't much right now, but hopefully some day it will be 50k, 100k, etc.
Mike
by mhalley
Mon Aug 04, 2014 5:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on transferring funds to Vanguard
Replies: 5
Views: 778

Re: retirement savings for my young kids?

If you don't want it to be in a 529, or a UTMA account, then you could open up an account in your name at several different places that have cheap etfs/mf. So you could have one at schwab, one at fidelity, one at TDAmeritrade say (of course since you are a boglehead then your account is at Vanguard ...
by mhalley
Mon Jul 28, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2392

Re: Traditional vs Roth 401k when contributing the max

I believe in diversification, so i would do both. Who knows what the tax laws will be in 20 yrs?
Mike
by mhalley
Mon Jul 28, 2014 6:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth 401k when contributing the max
Replies: 6
Views: 757

Re: Girlfriend moving in, lots of student loan debt

Wow, i am so honored to be here for the next revolution in genre fiction. Just as twilight has opened the floodgates of supernatural love stories, we now will have the "boglelehead bodice ripper" When the pirate lays down his cutlass for his lady love, will he continue to "slice and d...
by mhalley
Mon Jul 28, 2014 6:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend moving in, lots of student loan debt
Replies: 69
Views: 8756

Re: Graphic investment/retirement planning software?

Somewhat expensive in comparison but highly visual if that is what u are looking for. I tried the demo but ended up buying esplanner.

http://www.torrid-tech.com/rp_main.html
Mike
by mhalley
Mon Jul 28, 2014 5:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Graphic investment/retirement planning software?
Replies: 5
Views: 675

Re: Unlocked phone question with Cricket Wireless

Should work assuming your blackberry uses a micro sim card like the nokia.
http://kenstechtips.com/index.php/smart ... BlackBerry
Mike
by mhalley
Sun Jul 27, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Unlocked phone question with Cricket Wireless
Replies: 4
Views: 649

Re: Need your help, medical resident portfolio advice.

Since you have some short term goals, then "investing" is not what you want to do with the money. Any money needed within 5 yrs should probably not be in the stock market. You are going to need lots of money soon with starting a family. I would max out your roths, contribute to her 401k to...
by mhalley
Sat Jul 26, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need your help, medical resident portfolio advice.
Replies: 2
Views: 373

Re: Cobra Insurance Disclaimer

Thanks for the reassurance. Looking back on it, I have always had health insurance via employers, thus never had to worry about actually paying for it myself. In the past when occasionally the auto insurance bill went a little late due to some oversight, there was always no problem in getting it bei...
by mhalley
Sat Jul 26, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cobra Insurance Disclaimer
Replies: 5
Views: 533

Re: Cobra Insurance Disclaimer

I checked into Obamacare and Ehealth insurance, price about the same for much better insurance with cobra, so I do plan to keep it for the 18 mos. I sent a check for 2 mos also lol.
Mike
by mhalley
Sat Jul 26, 2014 2:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Cobra Insurance Disclaimer
Replies: 5
Views: 533

Re: Better to not rollover 401k to IRA for better protection

401ks do have better protection in general from lawsuits than IRAs. Depends somewhat on the state. I chose to keep my old 401k instead of rolling it into an ira when I changed jobs in the past, partially for that reason. Now I am glad I did, as I will be able to slowly convert the 401k to roth ira a...
by mhalley
Sat Jul 26, 2014 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to not rollover 401k to IRA for better protection?
Replies: 16
Views: 1193

Re: Diversification [Portfolio help]

You are in the target retirement income fund, so you are only 30% stocks. At your age, I think most people would say that is a perfectly reasonable asset allocation. Dividend investing and Preferred stock investing are not popular here at the bogleheads. Do you need this money to live on? Is it in t...
by mhalley
Sat Jul 26, 2014 2:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Diversification [Portfolio help]
Replies: 2
Views: 302
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