Search found 3569 matches

by mhalley
Tue Sep 27, 2016 2:27 am
Forum: Personal Finance (Not Investing)
Topic: low credit score refinance possible?
Replies: 2
Views: 255

Re: low credit score refinance possible?

Nerdwallet had an article about this. Apparently SoFi has a program.
https://www.nerdwallet.com/blog/mortgag ... dit-score/
by mhalley
Mon Sep 26, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Track asset allocation with TSP
Replies: 15
Views: 1007

Re: Track asset allocation with TSP

Use an aggregator such as Personal capital. If the TSP is not available to the aggregator, then create a manual account, then PC will give you a detailed analysis. https://www.personalcapital.com/land/registration/dr/?utm_source=google&utm_medium=cpc&utm_campaign=Brand&utm_content=person...
by mhalley
Sun Sep 25, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 2986

Re: Protein Powders

Whey is the cheapest and most common. I like optimum nutrition and dymatize and BSN.
by mhalley
Sat Sep 24, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1160

Re: yahoo class action email suit

About the most anyone could get out of this would be a year of worthless credit monitoring. The Internet is not safe, you are going to be hacked at some point. Freeze your credit if you are worried about the hack, get a good password manager and make very strong passwords for all your sites. Change ...
by mhalley
Thu Sep 22, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Early 30s Looking to Retire in 15 Years
Replies: 29
Views: 4004

Re: Early 30s Looking to Retire in 15 Years

Check out mrmoneymustache site for lots of tips on fire. His post on the simple math of early retirement is a good place to start. http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Also, the tax deferral trumps high er of funds until they reach about 1.7%,...
by mhalley
Wed Sep 21, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 2987

Re: No matching on Roth?

I think that the tax law changed in 2013, allowing in plan 401k to Roth 401k rollovers, so you might check with hr to see if your plan allows it.
http://www.forbes.com/sites/ashleaebeli ... 8adfdd119b
by mhalley
Tue Sep 20, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Those who are having Ooma
Replies: 13
Views: 1970

Re: Those who are having Ooma

Usually I would say wait until you notice a degradation in service before you upgrade. Amazon has the Ooma for 99, so it's not that great of a deal. Plus you can get a refurb for 70. Wait a second tho, are you not having to pay anything at all for your service? If that is the case, it might be worth...
by mhalley
Tue Sep 20, 2016 9:00 pm
Forum: Investing - Theory, News & General
Topic: 457/401k Asset administrative fee
Replies: 2
Views: 222

Re: 457/401k Asset administrative fee

My fidelity 401k has a 0.11% fee.
by mhalley
Sat Sep 17, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need to add my wife to my Schwab account
Replies: 10
Views: 873

Re: Need to add my wife to my Schwab account

Remember that all accounts that have a beneficiary designation takes priority over what is mentioned in a will. Say you have an account with your wife listed as the beneficiary on your 401k. You get divorced and remarried, but forget to change the beneficiary on the account. You write a new will. le...
by mhalley
Wed Sep 14, 2016 11:37 pm
Forum: Personal Consumer Issues
Topic: Best iPhone warranty value
Replies: 15
Views: 1352

Re: Best iPhone warranty value

Best place to get phone might not be best carrier. Gizmodo had a couple articles abipout it recently.
http://www.imore.com/best-way-buy-your-iphone
http://gizmodo.com/how-to-upgrade-to-an ... 1786255847
Spoiler: they like getting it directly from Apple.
by mhalley
Tue Sep 13, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Needlepoint Cold Plasma for Asthma
Replies: 8
Views: 671

Re: Needlepoint Cold Plasma for Asthma

Before I spent big bucks on such a contraption, I would speak with my pulmonologis/ allergist to see if there have been any medical studies that show a proven benefit.
by mhalley
Tue Sep 13, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Put SSN on internet?
Replies: 17
Views: 2115

Re: Put SSN on internet?

Fortunately they are removing the sender from Medicare cards.https://oig.ssa.gov/newsroom/blog/apr29 ... e-card-SSN
by mhalley
Mon Sep 12, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Expense Tracking / Budgeting
Replies: 1
Views: 172

Re: Expense Tacking / Budgeting

Free: Many here use Mint and/or Personal Capital. https://www.mint.com/ https://www.personalcapital.com/land/registration/dr/?utm_source=google&utm_medium=cpc&utm_campaign=Brand&utm_content=personal%20capital&cl=d4c97e29-4e47-4a06-9359-497613e3eaa2&gclid=Cj0KEQjwpNm-BRCJ3rDNmOuKi...
by mhalley
Sun Sep 11, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Bluetooth headphones for TV watching?
Replies: 9
Views: 611

Re: Bluetooth headphones for TV watching?

I have an older tv with no Bluetooth so I have been using one of the portable Bluetooth transmitters and it works ok. They make them with dual Bluetooth capability like this one. https://www.amazon.com/TROND-Bluetooth-Transmitter-Receiver-e-Reader/dp/B01B4W40VC/ref=sr_1_2?ie=UTF8&qid=1473635193&...
by mhalley
Thu Sep 08, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: What does a man have to do to get the new iPhone?
Replies: 26
Views: 2281

Re: What does a man have to do to get the new iPhone?

This article talks about the best way to ug with different carriers and Apple itself:
http://gizmodo.com/how-to-upgrade-to-an ... 1786255847
by mhalley
Thu Sep 08, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie, Hopeful for some Great Advice!!
Replies: 10
Views: 827

Re: Newbie, Hopeful for some Great Advice!!

Investing isn't something someone with your income can do with the idea of getting a large income from it. Sounds like you are talking about something very risky like day trading. While there is no way to know, Bogleheads expect our method of investing to return something like 6% a year going forwar...
by mhalley
Thu Sep 08, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2171

Re: Water turned off in building-urgent!

This is a wake up call that you need to have some emergency preparedness. If you have problems with the water going off for less than one day, imagine what would happen in a catastrophe where it was off for days/weeks. Look into getting prepared. You don't have to become a "prepper" but ha...
by mhalley
Thu Sep 08, 2016 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Which HSAs will download investment info?
Replies: 4
Views: 380

Re: Which HSAs will download investment info?

If the investment options are high er, having a second hsa with low fees may be cheaper in the long run, even with having to pay the monthly fees at 2 hsas.
by mhalley
Wed Sep 07, 2016 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Question about my Roth IRA
Replies: 5
Views: 623

Re: Question about my Roth IRA

Sorry, missed the fact that he is 1% aum. That means you are probably paying 2-3% in fees, where you could be paying 0.18 or less if you used index funds. You could have payed 5% or more as a front end load. You have come to the right place to learn about investing and saving for retirement. Here ar...
by mhalley
Wed Sep 07, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Question about my Roth IRA
Replies: 5
Views: 623

Re: Question about my Roth IRA

Sounds like you got in with a guy that is going to get you into high fee mutual funds. Do you know how he gets paid? You need to look up rather ticker symbol for your funds and see what the er (expense ratio) is. In general, the cheaper the better. It is very easy to open a new Ira and have the mone...
by mhalley
Wed Sep 07, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 5053

Re: Should I upgrade my 6 year old plasma TV?

I paid 6k for my sony 50 inch plasma, I can't really remember how long ago (early adopter, early 2000s). The picture quality is great and I will not replace it until it goes to the best buy in the sky (Partly due to the extreme price I paid, part due to the new ones do not have much better picture)....
by mhalley
Tue Sep 06, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: How to get out of my verizon contract to switch to project fi?
Replies: 17
Views: 1127

Re: How to get out of my verizon contract to switch to project fi?

I thought Verizon got rid of their contracts last year? Are you sure you are under contract, or just have a 2 year payment period for your phone? If you have a contract, you have no choice to pay if you leave. Well, you don't HAVE to pay it, Verizon will just ruin your credit, send the bill to colle...
by mhalley
Tue Sep 06, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10587

Re: How much is your cell phone bill?

UncleScrooge, sounds like you are being ripped off. Verizon changed their plans last year and made them cheaper, and just recently changed them again to increase the data with a slight price increase. Note that if you did not change to their new plan, they kept you on their older, more expensive pla...
by mhalley
Tue Sep 06, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 52
Views: 3209

Re: Hearing aid 101

With the major advances in electronics and miniaturization over the last many years, it is crazy that hearing aids still cost so much. I keep hoping Apple or somebody like that will announce they have been able to come up with an iphone based hearing aid for about the price of a flagship phone. I ca...
by mhalley
Tue Sep 06, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: 529 for Second Child?
Replies: 4
Views: 739

Re: 529 for Second Child?

These are what Clark Howard says are the best plans: State Plan information California The Scholarshare College Savings Plan Utah Utah Educational Savings Plan Trust (Vanguard age-based portfolios only) Iowa College Savings Iowa New York New York's College Savings Program - Direct Sold Minnesota Min...
by mhalley
Tue Sep 06, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: Index fund history
Replies: 12
Views: 788

Re: Index fund history

I read another article recently and it talked about how the Vanguard S&P 500 fund started out with a 6% load. Ouch. Glad they rethought that!
http://www.bloomberg.com/news/articles/ ... anews=true
by mhalley
Tue Sep 06, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10587

Re: How much is your cell phone bill?

Verizon, 2 lines with 3gb shared data, $88.25 including junk fees. Note that includes a 15% discount on the data plan due to being a veteran, so if you have Verizon and have served, get out your dd-214 and sign up for the discount. Trying to decide if I want to upgrade to the new plan, which is $5 a...
by mhalley
Tue Sep 06, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Pillow Talk (Cleaning, Rotating, etc.)
Replies: 4
Views: 462

Re: Pillow Talk (Cleaning, Rotating, etc.)

I wash mine periodically, seems to work well. It is generally dry when it comes out of the dryer, if not throw it back in for a few more minutes. Generally your pillow will have laundry instructions on it if it is washable. Mine says Machine wash, permanent press cycle with mild detergent, Machine d...
by mhalley
Tue Sep 06, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401k with new employer - help please
Replies: 7
Views: 524

Re: 401k with new employer - help please

I disagree about the stable value fund, I would use the Core bond fund, and use the S&P and small cap. You might want to approximate the total stock market as demonstrated in the wiki.
https://www.bogleheads.org/wiki/Approxi ... ock_market
by mhalley
Tue Sep 06, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Simplifying portfolio for less involved spouse?
Replies: 19
Views: 2204

Re: Simplifying portfolio for less involved spouse?

I have attempted many times to get my wife interested in the ins and outs of portfolio management. I have come to the conclusion that it is impossible, and I "force" her to listen to me talk about what happened to our portfolio in the last year in January. I have instructed her to contact ...
by mhalley
Tue Sep 06, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a medical office...Can it still be done?
Replies: 18
Views: 2985

Re: Opening a medical office...Can it still be done?

This sounds a lot like it is the particular job that is the problem. If you dream of being in PP, certainly it might be worth a try, Anesthesiology is something that is usually in demand and you should be able to get another job if your practice doesn't make it. I suppose another option would be to ...
by mhalley
Tue Sep 06, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Which HSAs will download investment info?
Replies: 4
Views: 380

Re: Which HSAs will download investment info?

A lot of the hsa plans that have an investment arm use TD Ameritrade as that portion of the plan. TDA has a pretty good Gain/loss functions and detailed statements. HSA Bank uses TDA. A quick look at Saturna Brokerage web page reveals This web page detailing their tax documentation. http://www.satur...
by mhalley
Sat Sep 03, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Getting mortgage to avoid depleting Roth
Replies: 13
Views: 1132

Re: Getting mortgage to avoid depleting Roth

If you only have 1mill is it wise to buy an 800k house? Just asking. Potential high taxes, insurance, utilities etc. if you spend 800 k, that leaves you with only 8k as an swr on the 200 k left. Can you live on 8 k plus ss?
by mhalley
Sat Sep 03, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Considering leaving Adviser
Replies: 17
Views: 2045

Re: Considering leaving Adviser

Vanguard total bond market is very diversified and is fine as your only bond holding. "The Vanguard Total Bond Market Index fund holds higher quality investment-grade bonds, both corporate and government, with U.S. government debt making up themajority of assets in the portfolio. It's a broad-m...
by mhalley
Fri Sep 02, 2016 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: IRA brokerage account upgrade
Replies: 3
Views: 337

Re: IRA brokerage account upgrade

I have 3 accounts with Vg. Joint Taxable, spousal Roth, my Roth. All upgraded to brokerage account after clicking online with no further verification. Have had the accounts for many years, is yours new? Lots of patriot act laws, so certainly possible they need the info. I might choose some other for...
by mhalley
Fri Sep 02, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6630

Re: Frustrated Losing Weight!

I will ditto the use of the myfitnesspal app and website. I lost 78# using it. You need to buy a small food scale, and absolutely keep track of how many calories you eat. Once you get into the habit of always recording your food intake, it is just a matter of time until you reach your goal. I found ...
by mhalley
Fri Sep 02, 2016 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Changing to more independant, wonder about WealthFront, etc
Replies: 5
Views: 545

Re: Changing to more independant, wonder about WealthFront, etc

Kitces has an interesting article on tax loss harvesting and how its benefits are overblown.
https://www.kitces.com/blog/evaluating- ... arvesting/
by mhalley
Thu Sep 01, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones and my in-laws
Replies: 44
Views: 4942

Re: Edward Jones and my in-laws

Maybe talk to them about vanguards pas?
by mhalley
Thu Sep 01, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: When is a variable interest rate preferred over a fixed?
Replies: 16
Views: 1124

Re: When is a variable interest rate preferred over a fixed?

If you expect to pay off the loan before the rate resets. Check out this article by wci.
http://www.hcplive.com/physicians-money ... able-loans
by mhalley
Thu Sep 01, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Changing to more independant, wonder about WealthFront, etc
Replies: 5
Views: 545

Re: Changing to more independant, wonder about WealthFront, etc

You can't blame a competitor for charging. Vanguard charges $70 for a round trip of non ntf funds. Bogleheads are mostly diy advocates, and don't think the extra fees are worth it. If you would prefer management over diy, You might check out fidelity go, no tlh, but fees are reasonable. https://www....
by mhalley
Thu Sep 01, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Choices for HSA after leaving current employer
Replies: 9
Views: 906

Re: Choices for HSA after leaving current employer

You can search for hsa here. https://www.hsasearch.com/
Select account looks interesting, I have been thinking of moving from elements financial.
by mhalley
Thu Sep 01, 2016 12:39 am
Forum: Investing - Help with Personal Investments
Topic: ETF Recommendations for someone in their 20's
Replies: 6
Views: 495

Re: ETF Recommendations for someone in their 20's

If you don't have enough money to buy all the mutual funds to achieve your asset allocation, then using the etfs is a valid strategy. Overall it probably doesn't matter, so here is a List of vanguard etfs: https://investor.vanguard.com/etf/list?sortorder=asc&sortorder=asc&sort=name&sort=...
by mhalley
Wed Aug 31, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - changing marital status
Replies: 4
Views: 315

Re: HSA - changing marital status

You can contribute the family amount to the single hsa. The only time you would need to open a spousal hsa is if you want to contribute the extra $1k for her if she is over 55.
by mhalley
Wed Aug 31, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: HSA OK for me? Why didn't my accountant suggest it?
Replies: 17
Views: 1243

Re: HSA OK for me? Why didn't my accountant suggest it?

An hsa is an excellant way to have a tax deduction and save additional money for retirement. http://whitecoatinvestor.com/retirement-accounts/the-stealth-ira/ Use this site to search for hsa https://www.hsasearch.com/ Sounds like you are eligible, call hr to make sure https://www.irs.gov/publication...
by mhalley
Wed Aug 31, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Apple free index??
Replies: 26
Views: 2319

Re: Apple free index??

Out of all the companies in the us, aapl seems an odd choice to avoid because of its 'evil" ways. You have tobacco companies responsible for cancer/lung & heart problems, alcohol co with drunk driving deaths/ addiction, casinos with gambling addiction, Meat co with inhumane treatment of ani...
by mhalley
Wed Aug 31, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Strategy Question
Replies: 12
Views: 694

Re: Health Insurance Strategy Question

Whether to self insure for anything is up to you, whether it be health insurance, homeowners, auto except liability etc. You decided last Nov that you wanted health insurance, partly due to the threat of a penalty, but probably mostly because you did not want to self insure a potentially 100 thousan...
by mhalley
Wed Aug 31, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Understanding wash sale rule: Same fund held in taxable account and IRA
Replies: 8
Views: 743

Re: Understanding wash sale rule: Same fund held in taxable account and IRA

Probably the biggest pitfall would be if you have automatic dividend reinvestment turned on for the fund in the ira. So be sure to have the dividends go to the settlement fund instead to avoid the problem.
by mhalley
Tue Aug 30, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Multiple Vanguard Taxable Accounts
Replies: 2
Views: 358

Re: Advice on Multiple Vanguard Taxable Accounts

Seems overly complicated. I imagine you would get multipIe tax forms as opposed to just one. I would just keep the "subaccounts" in my head. Also, by buying balanced funds you are foregoing any possibility of tax loss harvesting in the future. https://www.bogleheads.org/wiki/Tax_loss_harve...
by mhalley
Tue Aug 30, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Upgrade Options?
Replies: 6
Views: 818

Re: Vanguard Upgrade Options?

It won't create a taxable event. It will change your mutual fund account into a brokerage account, allowing you to buy etfs, stocks, bonds, etc in one account. I did it with all my accounts with no problems, but I didn't have any automatic settings activated.

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