Search found 6028 matches

by mhalley
Mon Oct 15, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 328

Re: looking for light weight smart phone

I have purchased batteries on amazon with good results. https://www.amazon.com/s/ref=nb_sb_ss_c_1_13?url=search-alias%3Daps&field-keywords=samsung+alpha+battery&sprefix=Samsung+alpha%2Caps%2C207&crid=2OUQM2S9KK397 The battery replacement looks difficult to me (heat gun required, etc). Many of the ce...
by mhalley
Mon Oct 15, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question -- taxable account
Replies: 8
Views: 849

Re: Asset allocation question -- taxable account

The main advantage of having individual funds is the ability to tax loss harvest, so don’t be afraid to selll at a loss.I would set a threshold of something like a thousand dollars, and tax loss harvest when it is met. As it is a bond fund, you won’t be missing out on huge gains by just staying in t...
by mhalley
Mon Oct 15, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Entering distribution phase of retirement
Replies: 2
Views: 549

Re: Entering distribution phase of retirement

Try running the numbers over at I-orp, and also consider if Roth conversions would be beneficial by using the extended version. https://www.i-orp.com/LumpSum/index.html Also check out Kitces article. https://www.kitces.com/blog/tax-efficient-retirement-withdrawal-strategies-to-fund-retirement-spendi...
by mhalley
Mon Oct 15, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Help me fix my life insurance situation...
Replies: 3
Views: 360

Re: Help me fix my life insurance situation...

I believe ESPlanner calculates life insurance needs. I also wonder if there is any need for life insurance in your situation, but don’t have the whole story to say for sure. https://www.esplanner.com/ The company also has another planner called maxifi which I think is the replacement for esplanner. ...
by mhalley
Mon Oct 15, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 17
Views: 2940

Re: Vanguard changing my Admiral shares to Investor Shares

Missing the forest for the trees. You were paying MUCH more than the 40 dollars a year, overall you are saving a ton by dumping pas. Gradually add to the Wellington position or do it all at once or don’t do anything. Small potatoes in the scheme of things.
by mhalley
Mon Oct 15, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard won't return earnings with previous year ineligible contribution to Roth IRA
Replies: 5
Views: 718

Re: Vanguard won't return earnings with previous year ineligible contribution to Roth IRA

What do you mean by return, do you mean remove completely, as opposed to recharacterize to trad Ira? My understanding is that any NIA(net income attributable) must also be removed or Recharacterized. If you are having trouble getting vanguard to nderstand this, calculate the nia yourself and withdra...
by mhalley
Sun Oct 14, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Did anyone change Experian Credit Freeze Pin?
Replies: 5
Views: 686

Re: Did anyone change Experian Credit Freeze Pin?

I am not going to bother changing my pin. This doesn’t seem to be as egregious as the equifax breach, so I am going to roll the dice on it.
by mhalley
Sun Oct 14, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Mobile phone service/providers/new phone
Replies: 4
Views: 424

Re: Mobile phone service/providers/new phone

Depends on how much you want to spend and if you want to be tethered to a contract. If you go with sprint and go home to discover you have poor service, that would not be good if you are tied to a contract. Buying an unlocked phone will give you a lot of flexibility. Do you want to stay with Apple? ...
by mhalley
Fri Oct 12, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Taxable Vanguard Joint Account Titling
Replies: 6
Views: 589

Re: Taxable Vanguard Joint Account Titling

If you are in a litigious profession, the is the way to go. You can't put a beneficiary on either type of account at vanguard. Everyone should have a will.
by mhalley
Wed Oct 10, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth mistake
Replies: 4
Views: 605

Re: Backdoor Roth mistake

If you elect to roll it all to a Roth, you might want to pay estimated taxes to avoid any irs penalties. The pro rata rule applies to money in an Ira as of dec 31.
The amount you need to earn to open a solo 401k is minimal per my nderstanding.
by mhalley
Wed Oct 10, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie [How do I move everything to Vanguard in-kind?]
Replies: 6
Views: 466

Re: Newbie [How do I move everything to Vanguard in-kind?]

Starting out with vanguard pas and having them manage the money while you do some reading until you get comfortable managing it on your own is certainly reasonable. You can cancel PAS at any time. The question of bringing it over in kind is that if vanguard manages it, they most likely will want to ...
by mhalley
Wed Oct 10, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Questions
Replies: 3
Views: 374

Re: ACA Questions

Roth conversions would be considered for determining aca subsidies. Healthcare.gov has info here.
https://www.healthcare.gov/income-and-h ... on/income/
by mhalley
Wed Oct 10, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Questions
Replies: 3
Views: 374

Re: ACA Questions

duplicate
by mhalley
Wed Oct 10, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming interview with Social Security
Replies: 3
Views: 813

Re: Upcoming interview with Social Security

Say something like
. "I'm filing for my retirement benefit to begin on my 70th birthday and not a day sooner. "
by mhalley
Tue Oct 09, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10065

Re: Argument for taking social security before 70. Comments?

Other considerations may also apply, such as Roth conversions before starting SS. All the calculators used to recommend we take at 70, but Mike Piper rec 68 &7 mos..
by mhalley
Tue Oct 09, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 949

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

I got the g6 and have frequent Bluetooth problems, (phone says it is connected but sound comes from phone instead of car or headphones, occurs with three different Bluetooth devices). don't know if it is a lemon vs a hardware or software problem. Not bad enough for me to mail it off for repair, but ...
by mhalley
Tue Oct 09, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3243

Re: Best headphones under 500 bucks

Lots of decisions to make with high quality audio gear. Open vs closed back, need for an amp, etc. You could take a look at this list.it is meant for gamers, but a good gaming headphone must first be a good headphone. Just ignore the headset reviews. https://www.lifewire.com/differences-open-closed-...
by mhalley
Mon Oct 08, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Trying to help 23 year old with 403b
Replies: 9
Views: 444

Re: Trying to help 23 year old with 403b

Vanguard is a big proponent of international, including intl bonds. That has not worked for a few years, but should eventually revert. The only thing that really predicts performance going forward is er, so switching to vanguard seems prudent.
by mhalley
Mon Oct 08, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with VUL product requested
Replies: 7
Views: 347

Re: Help with VUL product requested

I suggest they get the policies evaluated by a pfrofessional.

https://evaluatelifeinsurance.org/
by mhalley
Mon Oct 08, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: TLH'ing VBTLX - what are some equivalent/similar funds?
Replies: 8
Views: 381

Re: TLH'ing VBTLX - what are some equivalent/similar funds?

To tlh total bond, I would use int term bond index. Slicing and dicing bond funds isn’t my cup of tea, but you could consider a cd ladder for a portion of your fixed income.
by mhalley
Mon Oct 08, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 185
Views: 9999

Re: Talk me out of buying a Tesla Model 3

There are many electric vehicles coming out in the next few years. I would wait until competition makes a more mainstream electric affordable.
by mhalley
Sun Oct 07, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: I'm unclear on how to use a Vanguard account
Replies: 21
Views: 1752

Re: I'm unclear on how to use a Vanguard account

Fidelity makes it somewhat difficult to find their low cost target retirement funds. Once you know how to look for them it is not difficult, but it takes some persistence.
by mhalley
Sat Oct 06, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9470

Re: What is your annual cost for health insurance?

Retired, both wife and I are 63, premium for cheapest plan on the marketplace is 28k a year. Hate to think what it will be next year. Non subsidized due to desire for Roth conversions. Don’t feel comfortable on taking the risk of hundreds of thousand of dollars in event of medical catastrophe. Paid ...
by mhalley
Sat Oct 06, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 824

Re: pre med then med school factors

"Medicine" is a very diverse profession. There are many fields that do not have patient care, thus eliminating malpractice. There are also many options with good work life balance, but if you come out with huge debt you might need to work a lot fotlr a free years until you can back off the hours. Th...
by mhalley
Sat Oct 06, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1478

Re: Help identify vine in backyard

A rhyme to help identify poison ivy goes
“Leaves of three, let it be”.

https://www.poison-ivy.org/poison-ivy-poster-english
by mhalley
Fri Oct 05, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: How to contact Amazon support?
Replies: 4
Views: 478

Re: How to contact Amazon support?

If you run into a problem and need to contact s human at a business in the future, there is a website you can go to.
https://gethuman.com
by mhalley
Thu Oct 04, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: My company does not offer 401k match, should I forego contributing to it?
Replies: 13
Views: 1182

Re: My company does not offer 401k match, should I forego contributing to it?

As a general rule of thumb, contribute in the following order
1. 401k to the match
2. Roth IRA
3. Max 401k if er less than 1.7
4. Taxable investing.
If you have access to hsa, consider using it as stealth IRA at 2a.
by mhalley
Wed Oct 03, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11727

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

If the hvac salesman told them that, sounds like one of those legal thingys (slander?) IANAL.
by mhalley
Wed Oct 03, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Need a better RMD calculator
Replies: 19
Views: 834

Re: Need a better RMD calculator

You could use i-orp, and put in a large taxable amount so that all your living expenses would come from it, and thus only rmds would need to come from the tax deferred account. https://www.i-orp.com/LumpSum/extended.html IF the RMDs look huge, then you can put in actual numbers and look at roth conv...
by mhalley
Wed Oct 03, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11727

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

What exactly was wrong with it that it needed to be replaced instead of repaired, and how old was it? I think normal HVAC lifespan is 12 years or so.
by mhalley
Wed Oct 03, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Comcast Triple Play modem
Replies: 9
Views: 545

Re: Comcast Triple Play modem

There are many more ways to get voip than the (usually expensive) offerings from the cable company. In addition, most feel that the devices they usually offer are not as good as seperate devices you can buy seperately. Paying more up front to decrease monthly fees forever is the best deal. I would r...
by mhalley
Tue Oct 02, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Exiting WealthFront for house downpayment
Replies: 2
Views: 305

Re: Exiting WealthFront for house downpayment

The standard advice is to keep money needed within 5 years is to have it in mm or CDs. Selling at WF where they have the cost basis, then moving the cash seems the most prudent to me.
by mhalley
Tue Oct 02, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: What fund(s) for my HSA investments?
Replies: 8
Views: 617

Re: What fund(s) for my HSA investments?

Many times the 10k minimum is waived in 401k, 529 or hsa accounts.
by mhalley
Tue Oct 02, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - does it worth it?
Replies: 4
Views: 475

Re: ROTH IRA - does it worth it?

Fidelity and other providers allow rollovers, I would consider moving the solo there.
by mhalley
Tue Oct 02, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4319

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

Clark Howard recommends joining a non profit memorial society society to decrease funeral costs.

https://clark.com/family-lifestyle/save ... l-society/
About a dozen states do not have access, check here to see if yours does.
https://funerals.org/
by mhalley
Sun Sep 30, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Investor seeking help
Replies: 12
Views: 601

Re: Inexperienced Investor seeking help

Welcome to the forum. I think you need to do a little reading to educate yourself about some basics. I would recommend starting with these topics on the wiki. Appropriate aa for your age could be anywhere from 80 to 60 % stocks depending on your risk tolerance. If you only have 3 k left on a 220k sa...
by mhalley
Sun Sep 30, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: How to merge three brokerage accounts at Vanguard?
Replies: 11
Views: 1438

Re: How to merge three brokerage accounts at Vanguard?

If the accounts are all the same (taxable, Ira, Roth IRA) there should be no problem consolidating them. Certainly calling vanguard is one way to do it.
This form could also be used.
https://personal.vanguard.com/pdf/v413t.pdf?2210122887
I don’t know if you can do it online or not.
by mhalley
Sat Sep 29, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: New and in Need of Advice: Perpetual Account
Replies: 12
Views: 693

Re: New and in Need of Advice: Perpetual Account

I remember many years ago Bill Gates got a lot of flak for how “little” he donated to charity. (Millions of dollars a year, but a small portion of his net worth).Today he is one of the most generous givers in the world, in part because he put his money to work instead of giving it to charity early i...
by mhalley
Tue Sep 25, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

Impossible to get the flu with the shot, you might have some side effects but it is not the flu.
Never reacted, get yearly.
by mhalley
Tue Sep 25, 2018 1:21 am
Forum: Investing - Help with Personal Investments
Topic: I need help with the next step to a three fund portfolio
Replies: 5
Views: 837

Re: I need help with the next step to a three fund portfolio

46% tax bracket is a killer. Munis have a lower default rate than taxable bonds in general, but if you want to diversify you could put have into the national tax exempt fund.
by mhalley
Tue Sep 25, 2018 1:04 am
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1813

Re: Electric Shaver/Beard Trimmer

I like the new Phillips oneblade. Cons are you have to replace the blade every 2-3 months, short battery life (8 hours for 45 minutes of use, no battery indicator. Pros are close shave, usable wet, dry or with cream, able to trim several lengths. The more expensive model has faster charging, longer ...
by mhalley
Mon Sep 24, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is previous employer 401(k) good enough to "shield" from pro rata?
Replies: 2
Views: 234

Re: Is previous employer 401(k) good enough to "shield" from pro rata?

In general, old 401k plans do not allow rollovers. An alternative if you are not a 1099 emplyoyee is to create a side gig (sell on eBay, drive for Uber) and create your 401k with that as your income.
by mhalley
Mon Sep 24, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: Digging deeper on advisability of Roth Conversions
Replies: 37
Views: 3262

Re: Digging deeper on advisability of Roth Conversions

I haven’t done the math myself but most articles I have read suggest not using the Ira money to pay taxes on Roth conversions. https://www.marketwatch.com/story/is-it-ever-a-good-idea-to-pay-roth-conversion-taxes-with-ira-money-2018-06-28 https://www.desmoinesregister.com/story/money/business/column...
by mhalley
Sun Sep 23, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: To Keep or Cash-in Whole Life Policy
Replies: 6
Views: 914

Re: To Keep or Cash-in Whole Life Policy

A policy this old might be worth keeping. The best thing might be to pay a Benjamin to get the policy evaluated by an expert.

https://evaluatelifeinsurance.org/
by mhalley
Sun Sep 23, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: monitor when credit freeze thaws
Replies: 8
Views: 933

Re: monitor when credit freeze thaws

Question needs clarification. Generally, you thaw and put a time limit iron it I believe, say 2 days or 2 weeks or whatever (length of available freeze expends on co). Do you mean monitor to see if the freeze is back? I suppose calling the co to check would work to see if it is frozen again. Or goin...
by mhalley
Sat Sep 22, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2886

Re: Can salt water kill weeds permanently?

I used a salt and vinegar solution with good results. See Google for recipe.
by mhalley
Sat Sep 22, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Sharing Health Coverage with a spouse
Replies: 4
Views: 638

Re: Sharing Health Coverage with a spouse

Definitely too good to be true. Insurance co will not allow this in general. In addition, having other health coverage disqualifies you from contributing to an hsa. From the IRS.GOV . Qualifying for an HSA To be an eligible individual and qualify for an HSA, you must meet the following requirements....
by mhalley
Wed Sep 19, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3491

Re: Dental work and hypertension issue

Absolutely no reason not to perform the dental prcedure with those numbers. As this is starting to become too much like a medical topic, my only suggestion is that you seek treatment elsewhere. Attempting to teach the dental students with some google references such as https://www.ncbi.nlm.nih.gov/p...
by mhalley
Tue Sep 18, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's the best early retirement strategy for us?
Replies: 39
Views: 3177

Re: What's the best early retirement strategy for us?

If you plan on living the rv lifestyle, I would assume that means you will sell your home when you retire, so I would not pay off the mortgage. You will need to save like crazy to make this work. Read about ways to access retirement funds early here: https://www.madfientist.com/how-to-access-retirem...
by mhalley
Tue Sep 18, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity-Very Negative Experience with Inheritance Services
Replies: 7
Views: 2060

Re: Fidelity-Very Negative Experience with Inheritance Services

Sorry for your loss and the negative experience. It is nice to see that other companies are not always perfect, as sometimes people on this board expect vanguard to be. Remember that all companies are run by humans, humans are not perfect, and it is how a company handles a mistake that separates the...