Search found 2910 matches

by mhalley
Fri Feb 12, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a mortgage in a self-directed IRA
Replies: 8
Views: 513

Re: Buying a mortgage in a self-directed IRA

Not a lawyer. Heard a guy call in to Dave Ramsey with similar ? Recently. Dave said not allowed. I site Dave because he is into re.
by mhalley
Fri Feb 12, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Where to open a new Roth IRA?
Replies: 1
Views: 175

Re: Where to open a new Roth IRA?

Fidelity, schwab and of course vanguard are all fine. List of current bonuses
http://www.hustlermoneyblog.com/best-brokerage-bonuses/
by mhalley
Fri Feb 12, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Shouldn't you have separate AA for Retirement/Non-Retirement?
Replies: 18
Views: 1191

Re: Shouldn't you have separate AA for Retirement/Non-Retirement?

I think I would agree that money for different goals would have different asset allocations. Looking at the total aa of a portfolio is fine if the portfolio only has one goal. Of course your retirement accounts would have a 40 yr aa. But in your taxable accounts, you could have many goals. An emerge...
by mhalley
Fri Feb 12, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my FA. What to do with individual Munis?
Replies: 11
Views: 934

Re: Fired my FA. What to do with individual Munis?

A well diversified portfolio of Munis could be good. The biggest problem usually is that it is hard to tell how much you had to pay to buy them (fees, bid/ask spreads, commissions, etc). You could evaluate the ones you have here http://www.emma.msrb.org/ "Disclosure documents—including a bond's...
by mhalley
Fri Feb 12, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Money in my Roth IRA Brokerage— now what?
Replies: 5
Views: 217

Re: Money in my Roth IRA Brokerage— now what?

Since you only have 3k, you are limited to only having one fund {Most vanguard funds have a 3k minimum} (aside from the TR funds and Star fund I believe). What do you think is wrong with the TR fund? You could use vanguard etfs to mirror your betterment account, but with only 3 k I would just buy th...
by mhalley
Fri Feb 12, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement options besides 401k
Replies: 6
Views: 639

Re: Retirement options besides 401k

Unfortunately you are kind of stuck if your co has not 401k. This won't reduce your taxable income, but you can do a traditional non deductable ira, then convert it to a backdoor roth if you so desire. You can use a high deductible health insurance plan and use a Health Savings Account as a stealth ...
by mhalley
Fri Feb 12, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Time to halt mortgage prepayments and invest in taxable?
Replies: 20
Views: 1875

Re: Time to halt mortgage prepayments and invest in taxable?

It doesn't have to be black and white, either or. You could do 50/50 or any other split that makes sense. If the market tanks badly this year, then next year you could increase the taxable investing. If it ends up going up a lot, go with paying down the debt.
by mhalley
Fri Feb 12, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing A Fund
Replies: 4
Views: 282

Re: Choosing A Fund

Healthcare has done very well lately, so there is a lot of people thinking it is a great fund. Whether this performance will continue is anyone's guess. Bogleheads otoh, do not generally like to invest in sector funds, with the exception being REITs. Without knowing the rest of your portfolio, it is...
by mhalley
Fri Feb 12, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: Leaving DFA advisor - should I keep DFA positions or simplify?
Replies: 16
Views: 1291

Re: Leaving DFA advisor - should I keep DFA positions or simplify?

There have been many dfa vs vanguard posts over the years. I think if I had such a complex portfolio, I would simplify it, but I would probably keep some of the dfa funds. I have not researched dfa that much lately, so I have no advice on which to keep. Maybe the fixed income would be ripe for simpl...
by mhalley
Thu Feb 11, 2016 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Target Date
Replies: 10
Views: 1059

Re: Target Date

Different co have different aa for their td funds. Apparently blackrock is very aggressive.
by mhalley
Wed Feb 10, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 11
Views: 506

Re: 401K help

Tr funds are actually fairly aggressive until you get close to retirement age. The usual reason bogleheads don't like them is 1. Too high of an expense ratio and/or 2. Made up of a hodgepodge of active funds. At .o9%, it sounds like your tr fund has neither of those problems.
by mhalley
Wed Feb 10, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Could someone educate me on Thrift Savings Plans and suggest different fund allocations?
Replies: 18
Views: 856

Re: Could someone educate me on Thrift Savings Plans and suggest different fund allocations?

I don't know when Paul posted his tsp recommendation. I doubt it has changed since he first posted it, as he would only change it if there was some change in the tsp, ie, adding a new fund or something.
by mhalley
Tue Feb 09, 2016 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: So, I am going to transfer my IRA to Vanguard
Replies: 1
Views: 222

Re: So, I am going to transfer my IRA to Vanguard

You have it right. No tax considerations. You can keep the etfs or mf if you want. If you want to exchange the mf, it will take 3 days for the sale to settle, then you can buy the vanguard mf. Depending on the amount in the Ira, you might want to sell the etf to get Vg admiral shares.
by mhalley
Tue Feb 09, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Question about a booklight and batteries
Replies: 10
Views: 680

Re: Question about a booklight and batteries

I would imagine it is to give longer life before needing to change the batteries. Little article on batteries. https://www.quora.com/Some-battery-powered-gadgets-require-2-AA-batteries-some-4-AA-batteries-and-some-require-AAA-batteries-instead-How-do-they-determine-what-type-of-battery-is-required-a...
by mhalley
Tue Feb 09, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3683

Re: -24% Return over 2 years

That would explain a lot quant.
by mhalley
Tue Feb 09, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3683

Re: -24% Return over 2 years

There is no way to evaluate any concern over your performance as we don't know what you have been invested in, your asset allocation and what is available. Post your portfolio and 401k choices to get a better reading on what to do. Please use the suggested format for a more precise answer. https://w...
by mhalley
Tue Feb 09, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: "Nobody Knows Nothing" from Reformed Broker
Replies: 2
Views: 658

Re: "Nobody Knows Nothing" from Reformed Broker

Whats a clown doing IN the zoo? I thought they were at the circus. :beer Is it a mixed metaphor? Maybe the aliens have conquered and are putting different types of humans in the zoo.
by mhalley
Tue Feb 09, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance $
Replies: 7
Views: 849

Re: Inheritance $

Sorry for your loss. Check out the wiki on handling a windfall. https://www.bogleheads.org/wiki/Managing_a_windfall Investing vs spending depends on your overall financial situation. Do you have a 4-6 mo emergency fund? If no, that would be a good place for it. Second would be maxing out the roth. T...
by mhalley
Tue Feb 09, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing. Need 401K, HSA help
Replies: 2
Views: 139

Re: Brand New to Investing. Need 401K, HSA help

The obvious choice is the 500 plus extended market index to approximate the us total stock market. There is no fee to change between mutual funds in a 401k. https://www.bogleheads.org/wiki/Approximating_total_stock_market plus the sptn intl index for your international. The fid bond fund you chose i...
by mhalley
Tue Feb 09, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 2375

Re: Intenet becoming "Small"

I think with anything you can get into a rut. I have about 5 or so websites that I visit daily, but there are probably many more that I would enjoy if I found them. There is only so many hours in a day, even when you are retired.
by mhalley
Tue Feb 09, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Do we need to be physically in Costa Rica?
Replies: 19
Views: 1076

Re: Do we need to be physically in Costa Rica?

VR headsets are almost there, but until they add smellovision to them there is no substitute to an actual trip to an exotic location.
by mhalley
Tue Feb 09, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) getting killed
Replies: 52
Views: 4960

Re: 401(k) getting killed

There is no refuge in a "flight to quality". Dividends are also no panacea. Mutual funds can contain either stocks or bonds. Do you have any bonds in your portfolio or are you 100% stocks? Depending on your age, that could be ok. What you need to do is to reassess your asset allocation. If...
by mhalley
Tue Feb 09, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: VCADX not available from AMERITRADE
Replies: 2
Views: 207

Re: VCADX not available from AMERITRADE

Most brokerages do not have access to admiral shares. So if you want admiral shares, you can open up a Vanguard account.
by mhalley
Tue Feb 09, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 2933

Re: How to respond to a siblings who gloats over a great stock pick?

I like the when are you buying me dinner/drinks approach. I guess the other one would be great! I own that in my total stock market fund!
by mhalley
Tue Feb 09, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 27
Views: 2243

Re: Schwab vs Vanguard

I have Fidelity, Vanguard and Schwab accounts. They all have their pluses and minuses. If I had an account at Schwab, Vanguard, or Fidelity and did NOT have one at one of the other companies, I really don't think there would be a compelling reason to switch to another. They all have a reasonable web...
by mhalley
Tue Feb 09, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: How to deal with dentist phobia
Replies: 25
Views: 1990

Re: How to deal with dentist phobia

I think many dentists specialize in painless dentistry, but having to extend it to cleanings means you really need to find someone that can accomidate your problems. A cursory search shows this http://www.sedationcare.com/?gclid=CPew9cv26coCFYGFaQodjgYFSw Wow, it shows 3 dentists within 20 miles of ...
by mhalley
Mon Feb 08, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2597

Re: Managing kid's internet use

They don't have to be actively searching for "dark" stuff for inappropriate material to pop up. If you google toys, a review of the best sex toys is within the top 10 results. I am glad this stuff came out after my daughter was grown up, I really have no idea what I would do these days.
by mhalley
Mon Feb 08, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k) Loan, Changing Jobs
Replies: 22
Views: 598

Re: 401(k) Loan, Changing Jobs

I hate to say this, but to me this comes under the category of "not my problem". The job seeker decided to take out a loan that causes serious problems if you decide to change jobs. Even giving the job seeker the benefit of the doubt (personal catastrophe that resulted in this loan as oppo...
by mhalley
Sun Feb 07, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my HSA money?
Replies: 8
Views: 725

Re: How to invest my HSA money?

If you plan on using it as a retirement account, it doesn't matter. The overall aa of your portfolio is what matters.
by mhalley
Sun Feb 07, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: Taxable account strategy for delaying Social Security
Replies: 15
Views: 1461

Re: Taxable account strategy for delaying Social Security

I used int term tax exempt in my taxable account. I didn't want to take the chance of retiring into a bear market with an all stock taxable portfolio, which could result in having to withdraw from Ira to live on instead of doing Roth conversions. Maybe it was not the perfect solution, but it helped ...
by mhalley
Sun Feb 07, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: Adult Coloring Books
Replies: 16
Views: 1958

Re: Adult Coloring Books

My wife does both real and virtual coloring with an app. She finds it enjoyable. Don't know about stress relief.
by mhalley
Sun Feb 07, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: 24Yrs old, 158k inheritance, make a diversified drip?
Replies: 13
Views: 1390

Re: 24Yrs old, 158k inheritance, make a diversified drip?

In addition to the above, check out managing a windfall on the wiki. I would not recommend going to see an fa, unless you are sure they are a fee only planner.
https://www.bogleheads.org/wiki/Managing_a_windfall
by mhalley
Sat Feb 06, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Wet iPhone and Fidelity AmEx
Replies: 7
Views: 1070

Re: Wet iPhone and Fidelity AmEx

There are other types of commercial dessicants you can use instead of just the rice. I don't know how well they work. No personal experience, but worth a try to save 300 bucks. http://www.amazon.com/Wet-Cell-Phone-Emergency-Drying/dp/B00BO6XSHG/ref=sr_1_2?ie=UTF8&qid=1454799813&sr=8-2&ke...
by mhalley
Sat Feb 06, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Income @ 67 yrs. New to Forum
Replies: 5
Views: 874

Re: Retirement Income @ 67 yrs. New to Forum

You don't need to look into "income" or "growth" investing. A three fund portfolio with. A total return approach is all you need.
https://personal.vanguard.com/pdf/s352.pdf
by mhalley
Sat Feb 06, 2016 1:20 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2415

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

Certainly you will get more money by selling it to a private party. There are multiple sites that tell you how to do this and not get ripped off. I have never wanted to deal with the hassle of a private sale, so always traded my cars in when I bought a new one. If you sold it at car max, you will ge...
by mhalley
Sat Feb 06, 2016 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Getting on Track
Replies: 7
Views: 678

Re: Need Help Getting on Track

How about putting 15% toward reirement and the remainder to student loans? Or use financial samurais fsdair rule. "The percentage of one dollar you should consider allocating to paying down debt is simply the debt interest level X 10. In other words, if your debt interest level for your student...
by mhalley
Fri Feb 05, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Protection - Health Care Costs
Replies: 8
Views: 703

Re: Asset Protection - Health Care Costs

As long as you have insurance I don't think this is a problem to worry about. I guess you could look into the general asset protection strategies, but I doubt they would be worth the hassle. The only thing that might be worthwhile is titling your home as tenants in the entirety. http://www.dbd-law.c...
by mhalley
Fri Feb 05, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Money Withdrawn From UTMA Account Eligible for Roth IRA Contribution?
Replies: 6
Views: 190

Re: Money Withdrawn From UTMA Account Eligible for Roth IRA Contribution?

It does not count as earned income, but you can contribute as much money as you earn up to the 5500. Ie, it does not matter where the money comes from to put it in the Roth.
by mhalley
Thu Feb 04, 2016 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Buying bond fund outside of IRA, taxes
Replies: 7
Views: 633

Re: Buying bond fund outside of IRA, taxes

Bond funds are taxed at your ordinary income tax rate unless they are tax exempt like the fund you mentioned. It used to be thought that you should not keep a bond fund outside of the tax deferred accounts, but many now feel it is ok. Check out http://whitecoatinvestor.com/asset-location-bonds-go-in...
by mhalley
Thu Feb 04, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k
Replies: 1
Views: 104

Re: Help with 401k

Will the Ira plus 2% be 15-20% of income? Even with Fees up to 2% (while not ideal) a 401k is still worth doing after maxing out the Roth.
Post more info according to this format to get a better answer.
viewtopic.php?t=6212
by mhalley
Thu Feb 04, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Starting small, but looking to grow long term
Replies: 2
Views: 255

Re: Starting small, but looking to grow long term

I would not have more than 5% of my stock portfolio in a single stock.
by mhalley
Thu Feb 04, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7136

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

GE is going to discontinue the CFL, so hopefully led prices will continue to drop.
http://www.nytimes.com/2016/02/02/busin ... .html?_r=0
by mhalley
Wed Feb 03, 2016 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to BH; Advisor is suggesting changes
Replies: 24
Views: 2788

Re: New to BH; Advisor is suggesting changes

Since you are thinking of marrying a doctor, it might not be the best idea to roll the 401k to an ira. In the future you might want to do a backdoor roth ira, and that would complicate matters. Unless you wanted to roll it to an ira, then pay taxes on it and roll it over to a roth.
by mhalley
Wed Feb 03, 2016 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help me select portfolio in volatile times (35 yo self-employed)
Replies: 15
Views: 852

Re: Help me select portfolio in volatile times (35 yo self-employed)

It is hard to predict exactly how much you would gain by having the ability to tax loss harvest. Most likely it is not worthwhile until you get up to 6 figures in the taxable account. Kitces argues that it just postpones taxes. Some say that is not that worthwhile. I personally have tax loss harvest...
by mhalley
Wed Feb 03, 2016 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: First Post, two questions.....
Replies: 9
Views: 968

Re: First Post, two questions.....

You might check out this site: https://www.403bcompare.com/ You might start with usaa, they have some index funds that aren't too high in er. As for 529 plans, http://www.savingforcollege.com/ is a great site to evaluate 529 plans. Scholarshare doesn't look too bad if you choose the passive portfoli...
by mhalley
Wed Feb 03, 2016 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Jet Blue moving to Barclays
Replies: 4
Views: 465

Re: Amex Jet Blue moving to Barclays

I wouldn't worry about any hit on your credit score unless you are in the market for a mortgage or auto loan in the next 6 months. The key is to not have more than about 20-25% credit utilization on your cards. I would cancel the credit monitoring service (unless it is free) and sign up for credit K...
by mhalley
Wed Feb 03, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie, stuck in life insurance policy.
Replies: 18
Views: 1330

Re: Newbie, stuck in life insurance policy.

Step one: Go online and search for 20 to 30 year term life insurance. Buy the cheapest policy from a highly rated company. Step two: Cancel this horrible policy. Step three: Have a cold one and congratulate yourself on correcting a mistake. You are not "stuck" in this policy. The sooner yo...

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