Search found 4282 matches

by mhalley
Sat May 27, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help - transfer HSA; rollover 403(b) to IRA
Replies: 3
Views: 230

Re: Help - transfer HSA; rollover 403(b) to IRA

Those are the major reasons, plus preservation of backdoor Roth. I assume this applies to 403 as well as 401k. http://www.investopedia.com/articles/personal-finance/080315/top-reasons-not-roll-over-your-401k-ira.asp https://www.usatoday.com/story/money/personalfinance/retirement/2017/03/26/3-reasons...
by mhalley
Sat May 27, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Help with attaining CDIB card through research on indian ancestor that cannot be located on Dawes roll
Replies: 9
Views: 420

Re: Help with attaining CDIB card through research on indian ancestor that cannot be located on Dawes roll

The bia has an ebook on tracing genealogy. It has several links, including professional genealogists who will search ancestry for a fee.


https://www.bia.gov/cs/groups/public/do ... 002619.pdf
by mhalley
Sat May 27, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best Use of Expensive 401k?
Replies: 9
Views: 459

Re: Best Use of Expensive 401k?

Certainly it is not worth putting money in a mm as you are losing to inflation. The wiki does some calculations and comes up with a 401k still being worthwhile up to 1.7% in fees. I would buy the cheapest fund (tsm in your case) and use my other accounts to make up the rest of your aa, even if you h...
by mhalley
Sat May 27, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing
Replies: 7
Views: 354

Re: Rebalancing

Either way is fine, or a combo. Where is the money coming from if you add funds?It depends on the total amount of your portfolio. If you have a large balance, you probably won't have enough cash to add all at once. Rebalancing the 20% is one thing if you can do it by adding $5000 to the internationa...
by mhalley
Sat May 27, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing the entire Year 401K in one Pay period allowed?
Replies: 11
Views: 1204

Re: Contributing the entire Year 401K in one Pay period allowed?

I don't think it is a problem as long as you don't exceed the max contribution limit. I see many posts on the net about front loading 401ks but can't find anything specific about doing it in one pay period.
by mhalley
Sat May 27, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Issues of fees and Admiral shares
Replies: 5
Views: 486

Re: Roth IRA - Issues of fees and Admiral shares

Fidelity, schwab and vanguard are all fine for cheap index fund investing. Vanguard is featured prominently here due to Bogle, plus the fact that the other firms were initially more expensive, and they offer more expensive funds which makes it possible for new investors to get steered to by their ad...
by mhalley
Sat May 27, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 20
Views: 2039

Re: Cheap gym shirts w/ certain materials

Clark Howard was talking about people buying 400 dollar shirts and said the best reviewed tshirts were 10 bucks.
http://clark.com/shopping-retail/clothi ... -t-shirts/
https://www.uniqlo.com/us/en/men
by mhalley
Sat May 27, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Help - transfer HSA; rollover 403(b) to IRA
Replies: 3
Views: 230

Re: Help - transfer HSA; rollover 403(b) to IRA

Health equity has had some good reviews here. I wouldnt worry about volatility, you will only be out of the market for a sort time compared to your investment lifetime. There are several reasons to leave the 403 as is, but rolling it over is fine if you want to. If your income should increase, you w...
by mhalley
Sat May 27, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: am I the victim of ID theft?
Replies: 10
Views: 834

Re: am I the victim of ID theft?

Most likely a mistake, but to ensure it is not id theft I would go to annualcreditreort.com and get your 3 free reports to make sure.
https://www.annualcreditreport.com/index.action
by mhalley
Fri May 26, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance (Illness of a Dog)
Replies: 1
Views: 356

Re: Trip Cancellation Insurance (Illness of a Dog)

There is cfar (cancel for any reason) insurance, but it costs more. "With CFAR, it doesn't matter why you have to cancel your trip – you just can" but it is more restrictive in several ways. "Unlike basic trip cancellation coverage, the CFAR benefit has a few eligibility criteria: Dep...
by mhalley
Fri May 26, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs DIY
Replies: 8
Views: 823

Re: Schwab Intelligent Portfolio vs DIY

I'm not familiar with empower, but in general it is cheaper to hold your funds at the fund company. Vanguard funds at vanguard, schwab at schwab, fidelity at fidelity, etc. sure, you can find places like Merrill edge where FOR NOW you can buy funds for free, but they could always do away with that p...
by mhalley
Thu May 25, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with accumulating real estate savings?
Replies: 3
Views: 583

Re: What to do with accumulating real estate savings?

2-4 years is really too short a time to invest the money. A cd ladder along with the high yield savings account would be best.
by mhalley
Thu May 25, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me invest long term please
Replies: 8
Views: 633

Re: Help me invest long term please

First thing to do is move out of a state that has a 30% tax :happy Why have you chosen a 100% bond allocation? This is wildly inappropriate for someone your age. Even an elderly retiree should have at least 30% stocks. At your age you should be somewhere between 60-80% stocks. Check out the wiki on ...
by mhalley
Thu May 25, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing money after IRAs are maxed
Replies: 9
Views: 846

Re: Investing money after IRAs are maxed

Starting a taxable account is reasonable as is allocating your portfolio accross all accounts, providing you are planning to use the money for retirement. Suggestions for the 403b can be discussed if you post the available options. Does this money include a 3-6 month emergency fund? Living off the c...
by mhalley
Thu May 25, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Triangular" Gifts
Replies: 8
Views: 1116

Re: "Triangular" Gifts

It is certainly true that you have the ability to give 14 k a year to anyone. The conspiracy you advocate is probably illegal and could be prone to IRS charges should they find out. How likely would the be to find out? Probably not very. Another option would be to loan the person the money and then ...
by mhalley
Thu May 25, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Returns in an IRA
Replies: 1
Views: 184

Re: Maximizing Returns in an IRA

I think you are confusing total return with dividend/interest. The returns quoted are over the long term, and can vary a huge amount over the short term. If you are in the prime money market, the money is not invested, it is in cash earning a fraction of a percent. The go to investing advice here is...
by mhalley
Thu May 25, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Help! Renters asking for radon mitigation--what do I need to do?
Replies: 18
Views: 1470

Re: Help! Renters asking for radon mitigation--what do I need to do?

I wouldn't spend thousands of dollars based on someone's word and a home test. I would have a professional test to ensure there is truly a need for remediation. Certainly then you would have to do it. You can't ignore a potential health hazard, they will most certainly sue if you do nothing. Radon l...
by mhalley
Thu May 25, 2017 2:14 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Optimization Calculator
Replies: 1
Views: 266

Re: Roth Conversion Optimization Calculator

One that is often discussed here is I-orp, (optimal retirement planner). https://www.i-orp.com/ORPparms.html There is also a spreadsheet from the wiki. https://www.bogleheads.org/wiki/Retiree_Portfolio_Model And here is the Medicare premiums list https://medicare.com/about-medicare/medicare-premiums...
by mhalley
Wed May 24, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 2465

Re: Advice on kid's precalc learning

Probably not a substitute for a tutor, but why not try Kahn academy for free?
https://www.khanacademy.org/math/precalculus
by mhalley
Wed May 24, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Which accounts to consider in AA
Replies: 10
Views: 853

Re: Which accounts to consider in AA

I would include everything that is definitely going to be used for retirement. If the taxable account is only a might be for retirement, then I would not include it. That means the taxable account needs its own aa based on a shorter term goal.
by mhalley
Tue May 23, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: California Title Car Paid Off no Title for 8 months
Replies: 6
Views: 690

Re: California Title Car Paid Off no Title for 8 months

I recall paying my car off once and not receiving the title and I called the lender and they sent it to me.
by mhalley
Tue May 23, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Any recommendation on Investment Account Aggregation service?
Replies: 9
Views: 591

Re: Any recommendation on Investment Account Aggregation service?

I like and use the pc aggregation. I just don't answer the phone when they call. Another one to try is sigfig. They don't seem to call as often as pc. https://www.sigfig.com/site/#/home/am Of course there is quicken, but it is not free. Don't forget vanguard and fidelity, there is a long thread here...
by mhalley
Tue May 23, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 489
Views: 195578

Re: TV show recommendations?

Syfy just dropped all 10 episodes of 12 monkeys over the weekend. Great time travel/ apocalypse show loosely based on the movie.
by mhalley
Tue May 23, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I have taken Social Security at 65 instead of 66?
Replies: 6
Views: 742

Re: Should I have taken Social Security at 65 instead of 66?

One reason not to take ss is if you are still working and below fra they will cut your benefits if you make more than the limit. From ssa website: If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2017,...
by mhalley
Tue May 23, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3481

Re: Investing Emergency Fund

Doughroller had a great post on the Emergency fund recent.
http://www.doughroller.net/investing/th ... vestments/
by mhalley
Tue May 23, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: What brokerage service to use?
Replies: 3
Views: 319

Re: What brokerage service to use?

I have accounts with fido, vanguard and schwab, all have good funds with low fees. Since you have your retirement accounts with fido it would make sense to go with them. A lot to be said for simplicity. I personally like having accounts with different brokerages for the remote possibility of some ty...
by mhalley
Mon May 22, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Missed window for selling Fairholme Fund (FAIRX)?
Replies: 35
Views: 1752

Re: Missed window for selling Fairholme Fund (FAIRX)?

I believe a common problem in behavioral finance is that people feel the pain of losers (stocks,funds) more than the pleasure of gains, so they tend to hang on to the losers. The result is that over a period of time, they sell their winners, keep their losers, so they end up with a portfolio of lose...
by mhalley
Mon May 22, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: should i use existing Roll over IRA account?
Replies: 7
Views: 276

Re: should i use existing Roll over IRA account?

If you have no intentions of withdrawing the money until retirement then I would just have the one.
by mhalley
Sun May 21, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 55
Views: 3950

Re: Risks of electronic access

The possibility always exists, but the convenience of the Internet far outweighs it imo. Take reasonable precautions, (strong passwords, two factor authentication, consider a seperate computer for financial use ( a chromebook or dual boot into Linux) and the liklihood is pretty low. http://clark.com...
by mhalley
Sun May 21, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Using guaranteed yield in life insurance policy
Replies: 9
Views: 821

Re: Using guaranteed yield in life insurance policy

The money contributed to this up to now is a sunk cost, but please do not throw any more money at it. You already said you don't even need insurance at this stage of your life. Keep Maxing out your Roth and start taxable investing if you have no 401k.It might be worth having the policy evaluated to ...
by mhalley
Sat May 20, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Moving on after Bankruptcy: Help with one last hurdle
Replies: 3
Views: 735

Re: Moving on after Bankruptcy: Help with one last hurdle

How old is the debt? Debt has a statute of limitations, depending on the state. I don't know how the bankruptcy affects this. When was the hoa fee actually post petitioned? If it is in collections, you can generally negotiate it down to pennies on the dollar. Remember to not pay them a cent until yo...
by mhalley
Sat May 20, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Please give de-accumulation advice
Replies: 8
Views: 653

Re: Please give de-accumulation advice

The 4% rule would give you 80k a year, so retirement looks feasible. While designed for 30 years, 57 is not that young, as you will have ss to reduce your withdrawal rate below the already low 2.3%. Roth conversions are not necc, but if you have heirs it would be nice for them. This could change wit...
by mhalley
Sat May 20, 2017 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Maximizing Deployment
Replies: 7
Views: 629

Re: Maximizing Deployment

From IRS.gov: How Much of My Combat Pay Can I Exclude? Enlisted member, warrant officer, or commissioned warrant officer. If you are an enlisted member, warrant officer, or commissioned warrant officer, none of your combat pay is included in your income for tax purposes. Commissioned officers (other...
by mhalley
Sat May 20, 2017 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Should I switch my Vanguard funds to lower cost Schwab funds?
Replies: 38
Views: 2462

Re: Should I switch my Vanguard funds to lower cost Schwab funds?

Sometimes people get so excited about lows costs that they get carried away and try to eke out every last cent. The differences between schwab, fidelity and vanguard admiral should be fourth (or lower) behind customer service, website design, online tools, etc when deciding which company to do busin...
by mhalley
Fri May 19, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Strategy
Replies: 11
Views: 1397

Re: Investing Strategy

Hundreds of FUNDS? Talk about egregious, are these loaded per chance? Run away from this charlaton asap.
by mhalley
Fri May 19, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Forgot to file 1099R- IRS sent me a big bill to pay
Replies: 5
Views: 1333

Re: Forgot to file 1099R- IRS sent me a big bill to pay

If they were non deductable contributions, then you would only owe taxes on the gains. Did you file form 8606?

https://www.irahelp.com/forum-post/1467 ... 06-filings
by mhalley
Fri May 19, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share
Replies: 13
Views: 1035

Re: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share

If you like aapl then just keep the fractional shares. It's only a hundred bucks, just enjoy that fractional extra dividend. ensure dividend reinvestment is turned off now. If you made the changes, they should have notifie you by email or letter of the change. From the Fidelity FAQ: "The change...
by mhalley
Fri May 19, 2017 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Questions about rolling over IRAs and its effect on backdoor Roths
Replies: 5
Views: 396

Re: Questions about rolling over IRAs and its effect on backdoor Roths

Rolling over a roth from one account to another is not a taxable event. Rolling a 401k into a traditional ira and then rolling it over to a roth is fine. You need to check with Vanguard to see if they will take the current funds you are invested in. You might have to pay a fee at vanguard to sell th...
by mhalley
Thu May 18, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Transaction Receipts for Expenses / Too Complicated?
Replies: 8
Views: 742

Re: Transaction Receipts for Expenses / Too Complicated?

1c Yes, you are nuts to worry about it :happy 2. There are many roads to Dublin. It is certainly possible that a complicated low cost portfolio could outperform a simple three fund portfolio. Or not, no one knows what will outperform in the future. Merrimans buy and hold for example (10 equity funds...
by mhalley
Thu May 18, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 4729

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

Several different experts can fix the problem. Plumbers, landscapers, foundation experts, etc. You might look for drainage experts on Angie's list homeadvisor or other ratings services.
by mhalley
Thu May 18, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 4729

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

The problem would be there when it rains regardless if sprinklers. Sounds like the neighbor wouldn't have the money to pay to fix the problem, even if you sued him and won. So you have 2 options, pay for a lawyer, get a judgement he can't pay so you get a lien on his house so you get paid when he di...
by mhalley
Thu May 18, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions - from a novice
Replies: 10
Views: 943

Re: Portfolio Questions - from a novice

Dave Ramsey says dinner tastes different when eating at your debtors table and I tend to agree. I would pay the loan asap. I would take advantage of backdoor Roth before your income goes up. Look at your portfolio as a whole, having different assets in different accounts is fine as long as the total...
by mhalley
Thu May 18, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Health Insurance
Replies: 9
Views: 878

Re: Individual Health Insurance

Health insurance is in a state of flux, but for now you should also have access to cobra and insurance off the exchange.
by mhalley
Wed May 17, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1611

Re: Refinishing roughed in stairs - removing carpet

I am the most unhappy person in the world, so are this with a grain (or a pound) of salt.There are various wood fillers out there that might work instead of chalk, then could nail in multiple small moldings like quarter rounds.

https://www.lowes.com/pl/Round-moulding ... 4294518229
by mhalley
Wed May 17, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1594

Re: Upcoming travel plans with electronics

How about buying a used chromebook, and if worse comes to worse and you can't bring it home just leave it? I see some sub 100 dollar ones on Amazon. Used paperwhites for 50, cheaper ones if you can live without the light. Or a used fire to fulfill both roles.
by mhalley
Mon May 15, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4536

Re: Doctor wants Social Security number

Clark Howard talks about this all the time. They want the SSN so they can collect if you don't pay. He says never give it to medical offices. Identity theft is very high from medical businesses. Otoh, don't be surprised if you don't give it, later request your records and find that they have it from...
by mhalley
Fri May 12, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Check-up - Feedback on portfolio, financial approach
Replies: 10
Views: 775

Re: Check-up - Feedback on portfolio, financial approach

Most people haven't memorized tickers, (except maybe the 3 fund portfolio, for example there are umpteen tr date funds) so you might get a better response if you name the funds in addition to the ticker. Money to be used within 5 years should be saved, not invested, so you might consider moving the ...
by mhalley
Fri May 12, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: 3 found lazy portfolio - where to put bonds
Replies: 4
Views: 534

Re: 3 found lazy portfolio - where to put bonds

Whether you need a muni fund depends on your federal and state tax rate, and if there is a state muni fund for your state. Check out this vanguard calculator. https://personal.vanguard.com/us/funds/tools/taxequivalentyield Fidelity muni funds https://www.fidelity.com/fund-screener/evaluator.shtml#!&...
by mhalley
Fri May 12, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: How do I leave my full service broker?
Replies: 13
Views: 1266

Re: How do I leave my full service broker?

Since 2011, cost basis information is required when you transfer to another firm. One thing you might ask yourself, is all this trading leading to good returns? Have you tracked your performance, so you know for sure you are beating established indexes such as the s&p 500? https://www.kitces.com...
by mhalley
Fri May 12, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: New with a Question. [Where to save cash to pay taxes?]
Replies: 9
Views: 712

Re: New with a Question. [Where to save cash to pay taxes?]

You may be fine for many years doing it that way, but it is wrong. Taxes are technically due in the quarter you make the money. If the IRS ever notices, you could owe some penalties. From IRS.gov: When To Pay Estimated Taxes For estimated tax purposes, the year is divided into four payment periods. ...

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