Search found 3368 matches

by mhalley
Fri Jul 29, 2016 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund Investment
Replies: 5
Views: 466

Re: Vanguard Fund Investment

With only 10 k to invest, the actual dollar amount saved each year by investing in admiral shares is quite small. Might as well start out with your ideal aa. As mentioned above, money needed within 5 years should be saved, not invested.
by mhalley
Fri Jul 29, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Ford Air Bag Recall
Replies: 4
Views: 327

Re: Ford Air Bag Recall

The recall keeps spreading. Age and temperature are also a factor. Looks like 100 million cars, with parts maybe not available till 2019. My wife and my cars are both under recall, but no sign of when they will actually be fixed. We continue to drive them I guess if one of us is killed or maimed the...
by mhalley
Fri Jul 29, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Advisor - Switching to Vanguard - Need AA Advice
Replies: 3
Views: 312

Re: Leaving Advisor - Switching to Vanguard - Need AA Advice

Congratulations on taking control of your finances. Bogleheads generally recommend a three fund portfolio, consisting of total stock market, total bond market, and total international stock market. International has up underperformed recently, so lots of people are questioning its value in a portfol...
by mhalley
Fri Jul 29, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor takes HMO but not PPO insurance?
Replies: 29
Views: 1226

Re: Doctor takes HMO but not PPO insurance?

I would imagine what insurance the doc takes is a little more complicated than that. Perhaps the insurance company and the doctor could not come to an agreement on the fee schedule. You are free to negotiate with the doctor and pay out of pocket, or pick a doc in your plan. You could also call your ...
by mhalley
Fri Jul 29, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Best/most effective home BP monitor
Replies: 24
Views: 890

Re: Best/most effective home BP monitor

At the risk of having the wrath of the moderators, how about saving your money and NOT buying one?
http://www.kevinmd.com/blog/2015/11/is- ... -idea.html
by mhalley
Fri Jul 29, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Free ATM withdrawals - worth keeping brokerage account
Replies: 3
Views: 283

Re: Free ATM withdrawals - worth keeping brokerage account

I have had a dormant strafe account for years with just a few dollars in it.
by mhalley
Fri Jul 29, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: INvesting in 529 for my kid
Replies: 17
Views: 916

Re: INvesting in 529 for my kid

Remember that you need to have your retirement plan fully in place before starting a 529. Are you putting in at least 15%? Are you carrying any high interest debt?
by mhalley
Fri Jul 29, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Plan [Vacation rental]
Replies: 4
Views: 377

Re: Retirement Plan

SS at 62 is rarely a good idea.
by mhalley
Thu Jul 28, 2016 9:44 pm
Forum: Investing - Theory, News & General
Topic: Is the most intelligent move to max your tax advantaged accounts FIRST?
Replies: 4
Views: 524

Re: Is the most intelligent move to max your tax advantaged accounts FIRST?

An extremely general rule of thumb goes something like this: 1. 401k to the match 2. Max Roth IRA 3. Max 401k 4. Taxable investing. This assumes you have an emergency fund, no high interest debt, not saving for a needed expense such as a house downpayment, etc etc. If you have a high deductable insu...
by mhalley
Thu Jul 28, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only versus stockbroker advisor
Replies: 2
Views: 250

Re: Fee only versus stockbroker advisor

You could show her some of the info on how fees affect your savings. SEC https://www.sec.gov/investor/alerts/ib_fees_expenses.pdf Vanguard https://personal.vanguard.com/us/insights/investingtruths/investing-truth-about-cost Betterment https://www.betterment.com/resources/investment-strategy/portfoli...
by mhalley
Thu Jul 28, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard account security - creating a new username and password
Replies: 1
Views: 353

Re: Vanguard account security - creating a new username and password

So it looks like they need your ssn and birthdate to do this. With that much personal info, a lot of mischief can be created. I have never gone through the entire process, but I would imagine if someone did this you would get a text and/or email.
by mhalley
Thu Jul 28, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 8
Views: 1359

Re: Fidelity Go (Robo-Service) has launched nationwide

The thing about their target date indexes is they put a very large amount in cash for their conservative funds. The 2010 fund has 16.5% in the money market. 2015 is 11.45%. and the Freedom Index Income? it has a whopping 29.77% in the money market. Not going to get much income from that! In addition...
by mhalley
Thu Jul 28, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 8
Views: 1359

Re: Fidelity Go (Robo-Service) has launched nationwide

I just ran through the Fidelity Go questionaire, which basically asks your year of birth and risk tolerance from 1-10. I picked 5, ( I am 61 and retired) and it came up with a 42% US, 18% Intl, 35% bonds, 5% short term portfolio. (it picked the same portfolio if I picked 6 on the riskometer). If I p...
by mhalley
Thu Jul 28, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: how much to spend on car for business?
Replies: 9
Views: 378

Re: how much to spend on car for business?

Totally personal decision. You can afford either one. Although when I think "successful" I don't usually picture a Ford Fusion :D Cars are one of the most expensive items we buy, and the cheaper the car, the more money you have for other things. The main thing is the car's reliability. I d...
by mhalley
Thu Jul 28, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Need help with asset allocation within my first taxable Vanguard account
Replies: 11
Views: 364

Re: Need help with asset allocation within my first taxable Vanguard account

With 3 k you can only invest in one fund. I would suggest the total stock market fund as opposed to the S&P 500. Either one is fine, but with the total stock market you gain some small and mid cap exposure and possibly a slight increase in return. (although the s&p has actually outperformed ...
by mhalley
Thu Jul 28, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Think larva stage when I say "newbie" [buy an annuity?]
Replies: 25
Views: 1213

Re: Think larva stage when I say "newbie" [buy an annuity?]

To help you pupate, you need to educate yourself. The Bogleheads Wiki has a great wealth of information. Start at the beginning, and read and/or watch the videos. https://www.bogleheads.org/wiki/Getting_started Here are the tenents of boglheadism: Develop a workable plan Invest early and often Never...
by mhalley
Wed Jul 27, 2016 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed with new 401k plan
Replies: 20
Views: 1159

Re: Disappointed with new 401k plan

Small companies often pass fees onto the employees instead of absorbing them. As long as the fees total less than 1.7%, you will come out ahead of taxable investing, so try to hold onto that positive thought. There is always the chance the plan will improve in the future, or you will leave the job a...
by mhalley
Wed Jul 27, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: New retirement, Inc Website
Replies: 8
Views: 1417

Re: New retirement, Inc Website

They say on their site they say they don't share info, but who knows? As long as you are giving amounts and not account numbers, it is probably fine. I have used several sites such as sigfig and personal capital, but this one seems to have little info out there.
by mhalley
Wed Jul 27, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retired govt empl-401k question [TSP rollover]
Replies: 3
Views: 234

Re: Retired govt empl-401k question [TSP rollover]

The TSP is one of the best retirement plans out there and many bogleheads would LOVE the ability to invest in it. It also allows rolling inferior retirement products into it, so I would think REALLY REALLY HARD before transferring. It also gives you access to the G fund which is a unique bond fund. ...
by mhalley
Wed Jul 27, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Please help me identiy this pink flower weed (Texas)
Replies: 7
Views: 779

Re: Please help me identiy this pink flower weed (Texas)

Yes, when I was googling it I found it for sale at nurseries.
by mhalley
Wed Jul 27, 2016 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Transition to Vanguard from Ed Jones
Replies: 8
Views: 1237

Re: Transition to Vanguard from Ed Jones

Common Sense on Mutual Funds is a perrenial favorite. As are: https://www.bogleheads.org/RecommendedReading.php https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews Suggested first reads for an introduction to Boglehead Investing. Note: There is no general consensus on what are the bes...
by mhalley
Wed Jul 27, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Two-factor authentication via text messaging
Replies: 18
Views: 1730

Re: Two-factor authentication via text messaging

I didn't realize google authenticator was more secure than the text message, will need to check into it.
by mhalley
Wed Jul 27, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Please help me identiy this pink flower weed (Texas)
Replies: 7
Views: 779

Re: Please help me identiy this pink flower weed (Texas)

Or, I could ask my wife who is a master gardener. She thinks it might be Sensitive Brier. Schrankia nuttalii, a member of the pea family (fabaceae) http://ozarkedgewildflowers.com/summer-wildflowers/sensitive-brier-mimosa-nuttallii/ Do the leaves close when touched? http://uswildflowers.com/detail.p...
by mhalley
Wed Jul 27, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Please help me identiy this pink flower weed (Texas)
Replies: 7
Views: 779

Re: Please help me identiy this pink flower weed (Texas)

You might try an app: http://www.telegraph.co.uk/gardening/tools-and-accessories/the-best-apps-to-identify-unknown-plants-and-flowers/ This web site might be helpful to get someone to id it: http://www.mygarden.org/plants/plantifier Apparantly flowerchecker sends the picture of the unknown plant to ...
by mhalley
Wed Jul 27, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: How best to allocate our money?
Replies: 3
Views: 339

Re: How best to allocate our money?

The loans are low interest, so it may be more of a personal decision on how you feel about debt. I would probably knock them out, but I am not a fan of debt. WCI has a good post on financial priorities:
http://whitecoatinvestor.com/student-lo ... investing/
by mhalley
Wed Jul 27, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Two-factor authentication via text messaging
Replies: 18
Views: 1730

Re: Two-factor authentication via text messaging

Seems pretty unlikely. But what is the alternative? The hackers will come up with a counter to anything that is created, just a matter of time. At the moment, 2 factor is a little better than one. At what point does the security feature inconvenience outweigh the covenience of doing things over the ...
by mhalley
Tue Jul 26, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Bring medical instruments into US on flight - How much duty?
Replies: 20
Views: 1249

Re: Bring medical instruments into US on flight - How much duty?

Not Germaine to the duty discussion, but if you are entering from a few select airports you might speed your entry by using an app. Mobile Passport, which is Authorized by U.S. Customs and Border Protection (CBP) and sponsored by North America’s Airports Council International (ACI), is a free mobile...
by mhalley
Tue Jul 26, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Achieving a Tax Efficient Portfolio with Limited Starting Funds
Replies: 3
Views: 211

Re: Achieving a Tax Efficient Portfolio with Limited Starting Funds

You would look at the tax equivalent yield and buy the bond fund that gives you the most money after taxes. Bogleheads generally dislike high yield funds (prefer risk in stocks, not bunds)and long duration funds, higher interest rate risk) preferring intermediate. Vanguard has a tax equvalent yield ...
by mhalley
Tue Jul 26, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Please help with next investment
Replies: 3
Views: 304

Re: Please help with next investment

Depending on the goal for the money, I would just invest in a taxable brokerage account using the three fund portfolio. That is if you won't need it for > 5 years.
by mhalley
Tue Jul 26, 2016 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 60+ year old
Replies: 12
Views: 1650

Re: Advice for 60+ year old

I would imagine being a landlord for a property in another country would be very difficult, so selling the property might be the best solution. The roi seems kind of low also.. Bogleheads generally recommend the total return solution p, so a standard three fund portfolio, invested at 50/50 to 60/40 ...
by mhalley
Tue Jul 26, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: 529: Should grandparents start one, or add contribution to ours?
Replies: 3
Views: 599

Re: 529: Should grandparents start one, or add contribution to ours?

The grandparent 529 could cause problems if you expect to get financial aid. One way around this is if you plan to use the parents 529 for the first part of college, and grandparents for the second part. A recent change to the rules improved the grandparent 529. http://www.forbes.com/sites/josephhur...
by mhalley
Tue Jul 26, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Reading Kindle text on an iPad - can it be "expanded" (magnified)?
Replies: 12
Views: 870

Re: Reading Kindle text on an iPad - can it be "expanded" (magnified)?

Yes, it is the publisher, not Amazon or Apple that determines the quality of the pictures/tables in an ebook.
by mhalley
Tue Jul 26, 2016 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Online Banks okay ?
Replies: 18
Views: 1275

Re: Online Banks okay ?

Online banks are fine. They have the same fdic protections as a B&M bank. Ally is one that is often mentioned at bogleheads.
by mhalley
Mon Jul 25, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using Not great Bond Fund in 401k
Replies: 11
Views: 797

Re: Advice on using Not great Bond Fund in 401k

The bond fund is not terrible, It is average. Iwould have no problem using it. I liked having some munis in my taxable account to buffer potential losses in early retirement when I am living off it. Either option is ok IMO.

http://whitecoatinvestor.com/asset-loca ... n-taxable/
by mhalley
Mon Jul 25, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: when refinance is worth it?
Replies: 5
Views: 746

Re: when refinance is worth it?

OP posted he was going from 4 to 3.5%. I guessed pmi would be lower because the mortgage was lower or he had a little extra to throw at it.
by mhalley
Mon Jul 25, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: Reading Kindle text on an iPad - can it be "expanded" (magnified)?
Replies: 12
Views: 870

Re: Reading Kindle text on an iPad - can it be "expanded" (magnified)?

I'm saying that if I am reading a book that is just words, then I prefer to read on the kindle device instead of the iPad. Of course, if the book had pictures or tables that were difficult to see due to their size, then the iPad would be better. I do a lot if reading in bed at night with the lights ...
by mhalley
Sun Jul 24, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest 50k-150k cash in my situation?
Replies: 4
Views: 694

Re: Where to invest 50k-150k cash in my situation?

Right now the biggest investment you can make is in yourself. I am not sure where you are in med school so I can't say for sure what would be best. If you are not familiar with it, check out the white coat investor site. It is anvaluable guide for the medical profession. http://whitecoatinvestor.com...
by mhalley
Sun Jul 24, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: when refinance is worth it?
Replies: 5
Views: 746

Re: when refinance is worth it?

Run it through one of the many calculators out there. 5-8 k is really high, you need to shop around. The rule of thumb is .75% as I recall.
http://www.bankrate.com/finance/mortgag ... age-1.aspx
by mhalley
Sun Jul 24, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Reading Kindle text on an iPad - can it be "expanded" (magnified)?
Replies: 12
Views: 870

Re: Reading Kindle text on an iPad - can it be "expanded" (magnified)?

You can't pinch to zoom text,but you can adjust the font and the font size, just like on the kindle. It can be very large, so there should be no problem reading it if you are far sighted. You can also adjust the brightness, change the background to white, sepia and black. Despite all these adjustmen...
by mhalley
Sat Jul 23, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: What evidence would I need for a home contents insurance claim?
Replies: 6
Views: 693

Re: What evidence would I need for a home contents insurance claim?

Receipts are great. There are many apps that allow you to from room to room and document the contents. Some insurance co. Have their own forms or apps. Here is state farms: https://learningcenter.statefarm.com/residence/insurance-2/creating-a-home-inventory/ I confess to having started and never com...
by mhalley
Sat Jul 23, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2650

Re: HDTV Question

Any sound bar should give better voice volume as this is what it is designed for, unlike the Bose.
by mhalley
Sat Jul 23, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Need advice about setting up netflix or hulu brand new to all this
Replies: 18
Views: 1219

Re: Need advice about setting up netflix or hulu brand new to all this

How is the wifi signal? If you are able to watch videos on your phone or tablet while on your wifi you should be ok. If not, you might need a wifi extender or powerline adapter.
by mhalley
Fri Jul 22, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Retirement Savings
Replies: 12
Views: 1558

Re: Non-Retirement Savings

Fidelity has plenty of cheap index funds, if yo like Fido no reason to to move it to vanguard. The wiki has a fidelity page ( has it been updated after the recent Fido changes?) https://www.bogleheads.org/wiki/Fidelity https://www.fidelity.com/fund-screener/evaluator.shtml#!&mgdBy=F&ntf=N&am...
by mhalley
Fri Jul 22, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRA beneficiaries question
Replies: 15
Views: 1089

Re: IRA beneficiaries question

In general, it is not a good idea to have minors as beneficiaries. If the money should go to grandchildren, then a trust should be created. Or perhaps the cascading beneficiary plan? And you disclaim the inheritance? Not even close to a lawyer, large grain of salt rquired. https://www.paytaxeslater....
by mhalley
Fri Jul 22, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Security system ADT Cost
Replies: 26
Views: 2191

Re: Security system ADT Cost

More important than the system itself is the monthly fee and whether there is a contract involved. Looks like a 36 mo contract for pulse :moneybag :oops: :annoyed I would imagine bogleheads would be more of a simpli safe crowd, but that's is just a guess. Some tips from Clark Howard http://www.clark...
by mhalley
Fri Jul 22, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2650

Re: HDTV Question

Looks like you should get an hdmi switch and hook the sound bar up as per page 21 using hdmi
http://downloadcenter.samsung.com/conte ... B-0317.pdf
Source----->sound bar------>TV
by mhalley
Fri Jul 22, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2580

Re: Should one upgrade to Windows 10? Free thru July 29?

The overall feeling is that win 10 is a good upgrade for most people. Most old programs run fine. Leo recommends it. Some privacy concerns but you can google how to minimize them. No program reinstall needed. Be sure you have a good backup before you upgrade. https://askleo.com/should-i-upgrade-to-w...
by mhalley
Thu Jul 21, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2650

Re: HDTV Question

This quote from a cnet article on sound bars should help: "If you look at the back of many sound bars, you may be surprised to see just a few audio-only inputs, which doesn't seem helpful in modern home theaters filled with HDMI-equipped gadgets. But the sparse back panel is by design. Nowadays...
by mhalley
Thu Jul 21, 2016 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: How to weigh taxable vs roth vs 401(k)
Replies: 9
Views: 685

Re: How to weigh taxable vs roth vs 401(k)

I don't take asset location into account, except to put very tax Inefficient funds in retirement accounts.
by mhalley
Thu Jul 21, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself -- To Roth or Not to Roth and defusing the RMD tax bomb
Replies: 27
Views: 3171

Re: Daring to figure it out for myself -- To Roth or Not to Roth and defusing the RMD tax bomb

You will have 10 years to do ira conversions from the time you retire until rmds, so I would continue to max out 401k. Runs some scenarios at I-orp to give you an idea of what your distributions/conversions might look like, running different scenarios.
http://www.i-orp.com/

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