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Re: new Vanguard client looking for advice

What is the purpose of the money? The best asset allocation depends on when you will want the money. I am not a fan of allocation funds in taxable accounts as you lose the chance to tax loss harvest. You should consider making an investment policy statement. http://www.bogleheads.org/wiki/Investment...
by mhalley
Fri Feb 27, 2015 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: new Vanguard client looking for advice
Replies: 2
Views: 166

Re: Lawn & gardening tips for noob

If you want to really learn a lot about stuff like this the local county extension office has classes you can take. At the end you can become certified as a Master Gardener. My wife has always been really into this, so she went through our local program. The class is 50 hours, and you have to agree ...
by mhalley
Fri Feb 27, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Lawn & gardening tips for noob
Replies: 2
Views: 168

Re: Have I made a terrible mistake? - whole life

You shouldn't have a large portion of your life insurance tied up with your employer. You could develop an illness or injury at any time that would make you uninsurable,and if you had to quit work because of the illness/injury, you would never be able to replace it. So in addition to dumping the who...
by mhalley
Thu Feb 26, 2015 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Have I made a terrible mistake? - whole life
Replies: 25
Views: 2985

Re: Need advice on placement in Tax Deferred Assets

Congratulations on winning the retirement race. RMD putting you into 33% bracket (bracket starting at $226,851 to $405,110 MFJ) is a great problem to have. You are fairly risky for age 70+ at 60/40, and with the market at such a high it would be reasonable to cut back, at least to 50/50 and maybe 40...
by mhalley
Wed Feb 25, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on placement in Tax Deferred Assets
Replies: 4
Views: 412

Re: physicians [Frustrated, considering early retirement]

For the OP, I am not sure you have explained what exactly you dislike about your practice. You mention "Side Shows" but state you still enjoy the actual clinical medicine. The thing about being a physician is that you can always find a different way to make a living. If you don't like solo...
by mhalley
Wed Feb 25, 2015 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8057

Re: American Funds

The bottom line for the employer is how much they have to pay. IF they have more expensive ers, in general it means the company doesn't have to pay quite as much out of its profits. There is a wiki page on how to campaign for a better 401k: http://www.bogleheads.org/wiki/How_to_campaign_for_a_better...
by mhalley
Tue Feb 24, 2015 3:46 am
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 3
Views: 425

Re: New to Investment Management - Basic Logistics Q's

I think the rollover thing has to do with taxable money in a 401k, does not apply to normal 401k/ira rollovers. Here is a quote from the irs letter clarifying the rule: " Roth conversions (rollovers from traditional IRAs to Roth IRAs), rollovers between qualified plans and IRAs, and trustee-to-...
by mhalley
Mon Feb 23, 2015 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investment Management - Basic Logistics Q's
Replies: 1
Views: 184

Re: Exit Strategy VUL policy

This can be very complicated. You might try to have it evaluated by an expert, Cost is a hundred bucks. No experience personally, but I believe it has been recommended on the board in the past, perhaps someone who used the service could comment.
http://www.evaluatelifeinsurance.org/
Mike
by mhalley
Mon Feb 23, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exit Strategy VUL policy
Replies: 10
Views: 718

Re: external hard drive - Windows 8 - need assitance

You might try taking it apart and making sure the connections are tight. Another troubleshooting step would be to take it out of the external case and hook it directly to the computer and see if it is a problem with the drive or with the case.
Mike
by mhalley
Mon Feb 23, 2015 12:44 am
 
Forum: Personal Consumer Issues
Topic: external hard drive - Windows 8 - need assitance
Replies: 20
Views: 1295

Re: Giving guests free WiFI @ short-term rental = get sued?

While anyone can sue anyone for anything I can't really see this being a problem. Are you going to put the same disclaimer on the telephone? I think it could cause even more harm than the internet. What if someone uses the phone to swat someone and that person is killed by the police? Are you going ...
by mhalley
Mon Feb 23, 2015 12:43 am
 
Forum: Personal Consumer Issues
Topic: Giving guests free WiFI @ short-term rental = get sued?
Replies: 32
Views: 3607

Re: Target Retirement Fund over self managed portfolio

There is nothing wrong with having the TR funds. What you give up in the er you make up in simplicity. "The enemy of the good plan is the search for the perfect plan". If you find you don't enjoy, or have the tenacity to maintain your portfolio then I think it will be fine. Just remember T...
by mhalley
Mon Feb 23, 2015 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund over self managed portfolio
Replies: 6
Views: 942

Re: Would This Be An Unreasonable Asset Allocation?

If you invest half in growth and half in value, you have not accomplished anything except make your portfolio more complicated. If you put them together, they average out to be the whole market, sou you might as well just buy the large cap and the small cap etf. When people talk about slicing and di...
by mhalley
Sun Feb 22, 2015 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would This Be An Unreasonable Asset Allocation?
Replies: 11
Views: 730

Re: Does early retirement affect SS benefits?

The short answer is yes, her benefits will be reduced. You can download a ss calculator to figure out various scenarios and how they would affect her benefits. http://www.ssa.gov/OACT/anypia/anypia.html
Mike
by mhalley
Sun Feb 22, 2015 2:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Does early retirement affect SS benefits?
Replies: 16
Views: 2275

Re: help me speed up my computer

Sudden slowdown of a computer makes me think of malware/spyware. Run Malwarebytes and see if that will give you any improvement. Run one of the many internet speed tests to ensure there has not been some kind of problem with the hardware,such as the cable modem, or software, ie, your isp for some re...
by mhalley
Sat Feb 21, 2015 12:27 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3448

Re: What video games are you currently playing?

I just finished the Witcher Enhanced edition, I think you will enjoy it.
Mike
by mhalley
Sat Feb 21, 2015 12:16 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 155
Views: 8195

Re: What video games are you currently playing?

Been really enjoying Middle Earth: Shadow of Mordor on the PC, available cross platform also. Really satisfying to stab orcs, and the Nemesis system is a pretty neat addition. You play as a Ranger who has been sort of resurrected with the help of a Wraith, and you work behind enemy lines in Mordor t...
by mhalley
Fri Feb 20, 2015 4:44 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 155
Views: 8195

Re: where to put excess cash

What a great problem to have! It is hard to park money that doesn't know what you want it for. A reasonable allocation might be something like 60/40. I would not put it in a balanced fund or TR fund in a taxable account to allow for tax loss harvesting. Depending on your tax bracket, you could use e...
by mhalley
Thu Feb 19, 2015 3:23 am
 
Forum: Investing - Help with Personal Investments
Topic: where to put excess cash
Replies: 14
Views: 2058

Re: Which one is better, Total International or Global ex US

I suspect the OP means total intl VGTSX vs ftse all world ex us VFWIX. They are pretty similar, have almost the same exact returns, have the same top 10 holdings, total stock market has a little more small cap. HOWEVER, the FTSE fund is more expensive at .3 vs .22 er. Therefore, if you want the ex-u...
by mhalley
Thu Feb 19, 2015 3:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Which one is better, Total International or Global ex US?
Replies: 4
Views: 599

Re: Advice needed to re-kajigger my entire financial life

Won't doing it all at once result in a huge tax bill? In Taxcaster, If I put in 45k of income and 500k of capital gains, (and it might be more than that, OP doesn't give a cost basis) it is telling me it comes out to 39% marginal tax bracket, which includes AMT and the additional taxes that they hit...
by mhalley
Wed Feb 18, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed to re-kajigger my entire financial life
Replies: 31
Views: 2676

Re: Help on Windows 7 uninstall problem

If IE is very slow, you might have some malware or a virus. You should run malwarebytes http://www.malwarebytes.org/ . Also, most people do not like IE that much, so you should try firefox or Chrome. Also, you might try a third party uninstaller. http://www.thewindowsclub.com/uninstallers-freeware-w...
by mhalley
Wed Feb 18, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Help on Windows 7 uninstall problem
Replies: 5
Views: 446

Re: Portfolio rebalance

You might want to go back in and put the fund names, no one wants to take the time to look them up. I ran the Morningstar instant xray, and got Cash 4 U.S. Stocks 78 Foreign Stocks 8 Bonds 9 Other 0 Not Classified 0 Total 100 You don't mention what you goal is as far as asset allocation. Just off th...
by mhalley
Tue Feb 17, 2015 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalance
Replies: 4
Views: 405

Re: Dave Ramsey Lashes Out at His Financial Critics

I think that one thing Dave"s followers might be hurting them more than the high fee funds is the delay in compounding they are getting because of the way he sets up the loan repayment. Since people are throwing all their money at their loans, depending on how much they are in debt they could b...
by mhalley
Tue Feb 17, 2015 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9599

Re: Mortgage for a medical resident (before start date)

There are a couple of cos advertising dr mortgages over at wci http://whitecoatinvestor.com/ you might try one of them. Perhaps you could get a personal or student loan, but instead of getting a loan and keeping the majority of your cash, use most of the cash and get a smaller loan, then get a mortg...
by mhalley
Tue Feb 17, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage for a medical resident (before start date)
Replies: 18
Views: 914

Re: Should I pay off my Pen Fed auto loan?

Probably best from a pure financial point of view to keep it, but sometimes being debt free is quite a nice feeling. You could look at it this way: If you have to cash out tsm, you will need to cash out more than just 20 k because you would have to pay 15% cap gains tax on whatever your gains are. A...
by mhalley
Sun Feb 15, 2015 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay off my Pen Fed auto loan?
Replies: 6
Views: 422

Re: Pick Out My New TV For Me

Depends on the lighting in the room. If it is fairly bright, go with the LED, if able to make it fairly dark, go with the plasma.
Mike
by mhalley
Sat Feb 14, 2015 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2099

Re: Is your hedge fund run by a werewolf?

Don't you know that werewolves hate to get wet? You can never get the smell of wet dog out of a yacht. And let this become the new way of picking stocks: Instead of the monkey with a dartboard, it is now putting the wall street journal in the cage with the werewolf overnight, and invest in the stock...
by mhalley
Sat Feb 14, 2015 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Is your hedge fund run by a werewolf?
Replies: 10
Views: 922

Re: Just no petroleum or defense?

Also, how far do you want to take these beliefs? Are you going to live in a house that is heated with wood? Are you going to move to a state that has a power grid that is not fueled by oil or gas, but say by nuclear? Buy a bicycle to get to work? I am not trying to knock your beliefs, but you have t...
by mhalley
Sat Feb 14, 2015 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 2750

Re: Just no petroleum or defense?

Social investing is a slippery slope. My wife insists that I do social investing in her ira accounts, and I shudder when I see how much her accounts have under performed mine, and how much more she (therefore me) is paying in er. Even Dave Ramsey has commented about how he does not feel that this is...
by mhalley
Sat Feb 14, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 2750

Re: Dave Ramsey says you shouldn't own bonds?

No one is 100% correct, for sure. Even here at bogleheads, there are many differences of opinion. Aside from low cost investing, once you get beyond that, it becomes much more of a hit and miss. Such simple things as, how much international, or international at all? Total stock market, or tilt to sm...
by mhalley
Sat Feb 14, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8792

Re: What Movie Have You Recently Watched?

Scoped out The Kingsman today. IT was WONDERFUL. I can't give this enough praise. Note that it is heavy on the blood, (think Kill Bill etc.) but is filled with dark humor. Sam Jackson chews up the scenery, the plot is nonsensical, the sick joke at the End is groan worthy, but I can't wait to see it ...
by mhalley
Sat Feb 14, 2015 9:02 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 561
Views: 68430

Re: Recommend a movie for a lonely Boglehead on Valentine's

Eternal Sunshine of the Spotless Mind
Fifty First Dates
The Money Pit
Mike
by mhalley
Sat Feb 14, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4430

Re: New Roth 401(k) available from employer - should I switc

Would need to know your current tax rate, but in general a Roth 401k is a great idea for the younger investor. Since we can't predict 100% what the status of taxes in general/your particular tax rate will be in 30 years, I would recommend diversification, ie some in 401k, some in roth , some in roth...
by mhalley
Fri Feb 13, 2015 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Roth 401(k) available from employer - should I switch?
Replies: 15
Views: 909

Re: Best type of retirement account for wife?

What is the purpose of the plan? Does she want to put the max she can in to defer taxes/save for retiremtent? Does she want to put money in for the emplyoyees? I don't know the exact law since the employees are part time. I think there is a cut off of 5000 on whether you have to include them in the ...
by mhalley
Fri Feb 13, 2015 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best type of retirement account for wife and her small biz?
Replies: 6
Views: 708

Re: Dave Ramsey says you shouldn't own bonds?

He never gives exact amounts, but has said on the air that he is a multi-millionaire, so I am sure he doesn't use money the way us poor schmucks do. The way I have heard him describe the way he uses the S&P 500 fund is that it is where he parks his money that he is going to use to buy real estat...
by mhalley
Fri Feb 13, 2015 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8792

Re: Food of the Fifties

My Mom called it pig in a poke instead of in a blanket. But why was it pig, because it was always made with ground beef? My grandparents had a working farm, so we would often go over there for big Sunday dinners with a bazillion cousins running around. She made the most delicious meals, canned all o...
by mhalley
Fri Feb 13, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11149

Re: Feedback PRIMECAP?

As long as you realize you are taking on some extra risk investing in a managed fund i don't think it is that unreasonable.
Mike
by mhalley
Thu Feb 12, 2015 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback PRIMECAP?
Replies: 2
Views: 269

Re: I'm not a bad Boglehead [buying Powerball ticket]

No way that I would post on here that I was the winner, too easy for people to figure out who I am, I would DEF be anonymous.
Mike
by mhalley
Thu Feb 12, 2015 5:54 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6132

Re: I'm not a bad Boglehead [buying Powerball ticket]

Anxiously awaiting the "how do I manage winning a third of 500 million" post.
Mike
by mhalley
Thu Feb 12, 2015 3:37 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6132

Re: Should I continue using a financial planner ?

It also would help if you listed what your FP is charging you. You can have Vanguard manage your account for .3% if you really feel like you need one.
Mike
by mhalley
Thu Feb 12, 2015 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I continue using a financial planner ?
Replies: 33
Views: 1668

Re: Asset Allocation Advice for a new investor

Welcome to the forum! You have a great little 401k plan there. You can use the funds in it to make up the equivalent of the total stock market fund. http://www.bogleheads.org/wiki/Approximating_total_stock_market You can do it several ways. 81% Vanguard 500 Index Fund (VFINX) (0.15%) 6% Vanguard Mid...
by mhalley
Wed Feb 11, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Advice for a new investor
Replies: 4
Views: 427

Re: Vanguard New Invester - Need Help Please!

Most people here do not recommend sector funds. We generally prefer investing in the entire stock market. We feel that no one can predict whether health care or oil will do well. If you want to have a small portion of your portfolio invested there, we would recommend no more than 5%. The most common...
by mhalley
Wed Feb 11, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Invester - Need Help Please!
Replies: 11
Views: 813

Investing in individual stocks not risky enuff? try this

Personal capital sent me an email wanting me to invest in this exciting new investment product. I haven't seen it mentioned here, just thought I would put the information out here for the bogleheads to peruse. I guess you can join Mark Cuban and be a Shark! https://circleup.com/ What is CircleUp? Ci...
by mhalley
Wed Feb 11, 2015 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Investing in individual stocks not risky enuff? try this
Replies: 0
Views: 335

Re: On Investing the Downpayment (Yet Another)

If you can be flexible, ie, won't be crushed if instead of buying the house in 5 years is impossible because of poor market performance so you have to wait 7 years, then you can be more aggressive than a cd ladder. You should still not put hugely tax ineffecient funds such as reits in taxable. You w...
by mhalley
Tue Feb 10, 2015 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: On Investing the Downpayment (Yet Another)
Replies: 1
Views: 286

Re: Struggling with concept of HSA contributions

One great benefit of the HSA is the ability to pay medicare premiums from them. Even if you don't have any medical expenses, everyone is going to have that. http://www.kiplinger.com/article/spending/T027-C001-S001-health-savings-accounts-after-medicare.html So if you need glasses, dental care, otc m...
by mhalley
Tue Feb 10, 2015 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Struggling with concept of HSA contributions
Replies: 5
Views: 981

Re: Dave Ramsey says you shouldn't own bonds?

I listened to the podcast where Dave got into it with the Motley Fool guy. While I had some sympathy for the Fool, I felt that he went up against Dave unprepared. He had to admit that he had NEVER read any of Daves books, he only had a year or two of experience in the financial field, he had a hugel...
by mhalley
Tue Feb 10, 2015 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8792

Re: Dave Ramsey says you shouldn't own bonds?

I think what kenner was saying is that the sheer number of payments could lead to penalties due to an increased chance of a bill being overlooked (such as the recent post about the guy that went overseas and forgot that he charged something on a seldom-used cc, causing him to miss the payment for 3 ...
by mhalley
Tue Feb 10, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8792

Re: Have 10k to futher invest - unsure on stocks/bond alloca

That sounds fine, but remember if you may need this money within 5 years, it should not be invested, it should instead be saved. Probably the best bet is to put what you will need for the trip and school in a high (yea, like there is a high one) interest savings account such as ally, and put the res...
by mhalley
Tue Feb 10, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have 10k to futher invest - unsure on stocks/bond allocation
Replies: 3
Views: 269

Re: Valentine’s day dinner I could cook?

While not everyone is a fan, a recipe over at daveramsey.com caught my eye: Crispy Chicken Breasts With Mushroom Pan Sauce, Roasted Red Potatoes and Carrots topped off with Dark Chocolate Torte for dessert.
http://www.daveramsey.com/blog/emeals-s ... ictid=ae47
Mike
by mhalley
Tue Feb 10, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2385

Re: Catching up for retirement. Need some guidance.

To help with the 401k you need to add the ticker symbol and the er (expense ratio) of the funds.
Mike
by mhalley
Mon Feb 09, 2015 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Catching up for retirement. Need some guidance.
Replies: 8
Views: 1044

Re: What Movie Have You Recently Watched?

Went to see the disappointing Jupiter Ascending. Boy, did the Wachowskis let their fans down for this one. It is ok if you just want to disengage your brain completely, and just enjoy the special effects. It is fun watching Mila Kunis fall, only to be caught at the last second, but then you get to w...
by mhalley
Mon Feb 09, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 561
Views: 68430
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