Search found 4961 matches

by mhalley
Sat Sep 23, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: My idea---four fund portfolio ?
Replies: 4
Views: 351

Re: My idea---four fund portfolio ?

You are paying more for active management and a sector bet. This may or may not work out in the future. How much of your equities are you going to place in these two funds? A small bet would be ok, but I would say no more than 10%-29% of your us equities. The finance buff wrote a post a while back c...
by mhalley
Sat Sep 23, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Experian will give you your pin on-line!
Replies: 9
Views: 1274

Re: Experian will give you your pin on-line!

If you want to eliminate the possibility of someone guessing/using online resources to figure out the answers then going online and deliberately answering the questions wrong locks you out I believe, requiring snail mail identity verification. I had been locked out of the online credit freeze and it...
by mhalley
Sat Sep 23, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 15
Views: 1351

Re: Toilet Woes

I had a poorly flushing toilet that ended up being due to a partially clogged siphon jet hole. It could also be the rim jet holes that are clogged. This video shows how to test and clean the rim jets. I cleared the large siphon jet hole manually with a pumice stone. You can pour CLR or vinegar down ...
by mhalley
Sat Sep 23, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Continue to save for down payment or invest
Replies: 8
Views: 321

Re: Continue to save for down payment or invest

You said it yourself in your post: money that is needed within 5 years should be saved, not invested. Depending on how much over 20% you want tp put down, keep the downpayment safe and invest any savings above that floor. Looks like you are doing great in the retirement catch-up. You might consider ...
by mhalley
Fri Sep 22, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 9
Views: 552

Re: advice on possible brokerage Link

Fidelity has premium index funds that rival Vanguard's, so there is no need to buy the Vangurd ETFs. They do require a minimum of 10k each though. The regular index funds are fine while you wait to get that much money to invest. Here is their premium fund list: https://www.fidelity.com/mutual-funds/...
by mhalley
Fri Sep 22, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Best retirement strategy
Replies: 7
Views: 1765

Re: Best retirement strategy

One option is to move the ira to roth gradually after you retire to help minimize taxes. Whether this is the right way depends on multiple factors, including tax rate, retirement income, net worth, etc. You might play with some numbers at i-orp. https://www.i-orp.com/gamma/extended.html In addition,...
by mhalley
Fri Sep 22, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1175

Re: Credit Freeze? One last step I'm taking

I don't think I am going to be out and about and decide impulsively to take out a new line of credit. I will access my home safe to get my pins and not put them out on the internet. No: "Honey, guess what new car I bought on impulse today !" for me. As to resetting the pins online, I discovered that...
by mhalley
Wed Sep 20, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the latest Bob Brinker portfolio is?
Replies: 5
Views: 868

Re: Does anyone know what the latest Bob Brinker portfolio is?

You can get a free copy of his newsletter that will give his various model portfolios. To order the Marketimer monthly newsletter or to receive a complimentary back issue for your review, please call 303-660-8686 weekdays between 9 am and 5 pm mountain time for subscription information I found this ...
by mhalley
Tue Sep 19, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 93
Views: 9089

Re: The Magic of Savings Rate

So this appears to be MMM shockingly simple math for early retirement. He has numerous assumptions to come up with this, i.e., 5% return on investments, 4% swr, etc. the numbers would change based on the return and swr and starting portfolio size. Here is the original post: http://www.mrmoneymustach...
by mhalley
Tue Sep 19, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom® 2045 Fund FSNZX vs FXIAX?
Replies: 3
Views: 275

Re: Fidelity Freedom® 2045 Fund FSNZX vs FXIAX?

The sooner you make the switch, the sooner you stop paying the extra fees. Since you are moving sideways, i.e. Not going from bonds to stocks or vice versa, there is no reason not to put the order in tonight. Don't forget that the tr fund has 10% bonds, so you need to pick a bond fund. You would wan...
by mhalley
Tue Sep 19, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Barclaycards lost activation
Replies: 6
Views: 455

Re: Barclaycards lost activation

Did she say he replacement cards had been mailed? Perhaps they were lost/stolen en route.
by mhalley
Tue Sep 19, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Reminder: Transition your account
Replies: 2
Views: 470

Re: Reminder: Transition your account

At some point in the future, vanguard will upgrade all your accounts to brokerage accounts. Most people have no problems with this, a few have had some. If the accounts are in mm there is no reason not to go ahead and transition. I would go so far as to say there is no reason not to transition no ma...
by mhalley
Mon Sep 18, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Hello and a Question ["The Little Book That (Still) Beats the Market"]
Replies: 11
Views: 1413

Re: Hello and a Question ["The Little Book That (Still) Beats the Market"]

I think books can be updated for many reasons, the most obvious would be that various books would be presumed to be obsolete after a period of time, and sales would fall off. A new edition generates new sales, plus any errors can be corrected, new information incorporated, ideas expanded on, etc. Bo...
by mhalley
Mon Sep 18, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 669

Re: Password manager for Kindle Fire HDX

I don't have a kindle fire, but android phone and ios device. I decided that I did not like the idea of using an online password manager, so I went with Keepass and MiniKeePass for ios. I setup the passwords on my computer, then email it to my ios device and download it into minikeepass, then delete...
by mhalley
Sun Sep 17, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1219

Re: How would you invest this bonus??

You are asking the classic dca vs lump sum question. The answer is generally to invest money as soon as you receive it, time IN the market, not trying to time the market. Some years you might end up investing at the peak, but that is what rebalancing is for. So as soon as you get the money, invest a...
by mhalley
Sun Sep 17, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Deductible
Replies: 4
Views: 510

Re: Auto Insurance Deductible

Seems like a long time to make up the difference on premium, but otoh with a high deductable you would not report a "minor" accident to the insurance co and cause an increase in rates. Maybe just raise it to 1k.
by mhalley
Sun Sep 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Over MAGI limit, how to deal with MyRA
Replies: 1
Views: 403

Re: Over MAGI limit, how to deal with MyRA

That sounds like the way to go. Remember you have to wait 30 days before recharacterizing it back to a Roth.

https://www.irs.gov/retirement-plans/re ... onversions
by mhalley
Sat Sep 16, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help me solve: Not allowed access to savings at Canadian bank
Replies: 12
Views: 1576

Re: Help me solve: Not allowed access to savings at Canadian bank

I would imagine banks have rules that are designed to prevent fraud, but there must be some way to do this without setting foot in the bank. Perhaps an estate lawyer in Canada could help you.
by mhalley
Sat Sep 16, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: identity verification with Equifax?
Replies: 6
Views: 632

Re: identity verification with Equifax?

When I did equifax, they only asked those questions but did not let me freeze, ended up calling.
by mhalley
Sat Sep 16, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Whole Life Insurance Agent Will Not Cash Out My plans
Replies: 14
Views: 2064

Re: Whole Life Insurance Agent Will Not Cash Out My plans

Don't forget to send the letter certified mail, return receipt and keep a copy.
by mhalley
Sat Sep 16, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Optimal filing dates for SS
Replies: 2
Views: 348

Re: Optimal filing dates for SS

I would have her file oct 26th and then you file restricted the next day. ( you can't file for restricted benefits until after she files for hers).
http://www.investopedia.com/ask/answers ... nefits.asp
by mhalley
Sat Sep 16, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 648

Re: Credit Monitoring - 1 or 3 Bureau?

I had no problem doing the freeze over the phone. Try again, you must not have selected the right option. Here is a link to Clark Howard's updated freeze guide.
http://clark.com/personal-finance-credi ... haw-guide/
by mhalley
Sat Sep 16, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: N roth-IRA accounts and X funds to meet $11,000 limit
Replies: 2
Views: 217

Re: N roth-IRA accounts and X funds to meet $11,000 limit

Sure. But having multiple accounts with little money in them means it will take longer to meet fund minimums and get admiral shares and be more complicated to rebalance.
by mhalley
Sat Sep 16, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 27
Views: 3767

Re: Equifax Credit Freeze 100% online

I was listening to Clark Howard today and he said equifax now realizes their pin algorithm is no good, and they are working on a fix. Most likely you will be able to get a new pin once they figure how they want to generate them.
by mhalley
Fri Sep 15, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1150

Re: What funds would you pick if you were creating you own small business 401k?

I would swap commodities for small cap value. You should also add tr funds for those that want a simple plan.
by mhalley
Fri Sep 15, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 846

Re: Equifax security manager had a music degree -- what?

Man, they should have hired a philosophy major! :oops:
by mhalley
Thu Sep 14, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3799

Re: Advice Badly Needed---Meeting with Financial Advisor

He did give one good piece of advice: you should get disability insurance. You are 3time as likely to be diasbled as die. Since you are single, how will you pay your bills if you are unable to work? Your employer probably offers it at a reasonable price. Do you get a match? At least conrtibute enoug...
by mhalley
Thu Sep 14, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Internet phone-Help
Replies: 4
Views: 405

Re: Internet phone-Help

There are several ways to configure a fax machine with Ooma. Here is their setup guide. They state that faxing viia voip is not 100% reliable. . A common question comes up - why are faxes not guaranteed reliable 100% of the time when using VoIP technology? The reason has to do with how faxing was or...
by mhalley
Thu Sep 14, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1786

Re: Verify credit freeze is active?

I think you could use the automated phone system at the 3 credit agencies, or annualcreditreport.com
by mhalley
Thu Sep 14, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 1818

Re: Is True-identity lock enough or credit freeze is better

clark howard has not commented on this new product, I hope he does so soon. I would say go ahead and freeze your credit. With this level of a breach, your entire identity has been compromized FOREVER. Who knows how long they will keep this a free service, after which you would need to pay for this T...
by mhalley
Thu Sep 14, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Bank charges monthly fee for Quicken and Quickbooks
Replies: 6
Views: 590

Re: Bank charges monthly fee for Quicken and Quickbooks

As more and more companies use aggregation, I would not be surprised to see more banks charge for the ability to have accounts accessed by mint, quicken, personal capital, etc. in the meantime, until everyone charges this junk fee, vote with your feet.
by mhalley
Tue Sep 12, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity Check: Roth IRA Asset Allocation w/ Schwab
Replies: 10
Views: 841

Re: Sanity Check: Roth IRA Asset Allocation w/ Schwab

Bogleheads have yet to embrace intl bonds, so many would say zero in that category. Vanguard likes them a lot, but who is right remains to be seen.
by mhalley
Tue Sep 12, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Presentation for medical residents, need suggestions about loan topic
Replies: 3
Views: 395

Re: Presentation for medical residents, need suggestions about loan topic

You might check out wci flowchart. I would probably stress living like a resident until payed off, refinancing to get low rate. You might also talk about paying off loans vs investing. https://www.whitecoatinvestor.com/what-should-i-do-with-my-student-loans/ https://www.whitecoatinvestor.com/student...
by mhalley
Tue Sep 12, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Rollover IRA investment mix
Replies: 3
Views: 423

Re: Help with Rollover IRA investment mix

ETFs are just generally more complicated. They can have lower fees than investor shares if you do not qualify for admiral shares, plus no minimum. Also, long term bonds will have a big drop in nav when interest rates rise, so we generally recommend going with an int term bond fund. https://www.bogle...
by mhalley
Tue Sep 12, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Customer Information Leak – Link Problem
Replies: 5
Views: 870

Re: Equifax Customer Information Leak – Link Problem

Give this a pass and freeze your credit instead. Sign up for a creditkarma account and my ss account first.
https://www.creditkarma.com/
https://www.ssa.gov/myaccount/
by mhalley
Tue Sep 12, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment choice 3 years prior to taking SS
Replies: 9
Views: 978

Re: Investment choice 3 years prior to taking SS

Sounds like your portfoliois 100% bonds? That won't keep up with inflation, you might consider going to 30% stocks.what happens to your income should one of you die? i agree munis are not right for your tax bracket. You might check out rick ferries center of gravity post. https://portfoliosolutions....
by mhalley
Tue Sep 12, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can't Register With TransUnion
Replies: 16
Views: 1442

Re: Can't Register With TransUnion

The phone call is not that bad. There is an automated phone menu so you just need to key in your ssn etc.
by mhalley
Tue Sep 12, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Beyond Equifax: Dealing with ID theft
Replies: 8
Views: 1007

Re: Beyond Equifax: Dealing with ID theft

I believe Clark has said that child identity theft is more common than adult, harder to prevent as it is more difficult to freeze child's credit, and goes unnoticed . I believe only 23 states mandate it, aside from equifax which allows it for all fifty. https://www.consumerreports.org/consumer-prote...
by mhalley
Mon Sep 11, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to purchase an ETF Fido?
Replies: 12
Views: 519

Re: How to purchase an ETF Fido?

A general rule of thumb is not to buy within 30 min if open or close. If . The difference or spread in an ETF’s intraday price and the fund’s net asset value (NAV) is often the greatest at the market’s open and close. For example, at the open, these pricing differences may persist until all stocks o...
by mhalley
Mon Sep 11, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3609

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

I didn't mean to imply the fraud was sniping your refund, the purpose of setting things up was to prevent the inconvenience of having to wait up to 6 months to get the money. If someone was counting on a large refund the delay could throw a wrench into their vacation, new car purchase, etc. Of cours...
by mhalley
Mon Sep 11, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1555

Re: Freezing your credit??

I was unfamiliar with the Tu credit lock, thanks for the info. Looks like it might be just as good as a freeze but free, but I elected to freeze.
https://www.transunion.com/article/why- ... me-changer
by mhalley
Mon Sep 11, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3609

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Aside from the standard I'D protection, arrange withholding/estimated taxes so you get a minimal refund. You could file early before you get all of your documents and then file an amended return, but I don't know if it would be worth the hassle.
by mhalley
Mon Sep 11, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Wellington/Wellesley diversification help
Replies: 18
Views: 2317

Re: Wellington/Wellesley diversification help

The price per share means nothing, not something to take into account when deciding on whether to buy a fund. I would say the goto for wanting more return would be small cap value. Ymmv.
by mhalley
Mon Sep 11, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Differences between retirement-oriented funds?
Replies: 4
Views: 533

Re: Differences between retirement-oriented funds?

A common saying here is "there are many roads to Dublin". As evidenced by wci post 150 portfolios better than yours, there are many ways to construct a reasonable portfolio. No one simple asset allocation is perfect and works for everyone. If there was, then every tr fund would have the same aa and ...
by mhalley
Sun Sep 10, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 59
Views: 24945

Re: Can't freeze credit at Experian?

I just checked my cc and have multiple charges for my failed attempts also. We will see if they fall off.
by mhalley
Sun Sep 10, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 59
Views: 24945

Re: Can't freeze credit at Experian?

After failing to freeze my credit online for Equifax for both my wife and I, and Experian for my wife, I was able to freeze them both over the phone. What I am wondering is how come the phone option is easier than online? Is it because they can see the phone number I am calling from is listed with t...
by mhalley
Sat Sep 09, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums tied to credit
Replies: 3
Views: 395

Re: Insurance premiums tied to credit

I believe this would be a soft pull and not require you to unfreeze. Soft pulls occur when you are not actively applying for credit.
http://blog.myfico.com/soft-hard-credit ... ifference/