Search found 7097 matches

by mhalley
Sat Jul 20, 2019 6:13 pm
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 92
Views: 8684

Re: Just sat through a wealth-management sales pitch.

When I have my brakes done, my cc isn’t charged every time I come to a red light.
by mhalley
Sat Jul 20, 2019 5:50 pm
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 17
Views: 1152

Re: A little discouraged with earnings, is it really this slow?

You realize you are asking this during a great bull market? But seriously, you are doing awesome.
https://www.forbes.com/sites/greatspecu ... c3db127069
by mhalley
Sat Jul 20, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Brokerage bonus mechanics question -- VG outbound
Replies: 4
Views: 133

Re: Brokerage bonus mechanics question -- VG outbound

That should be fine. Be sure you have the bonus nailed down as someone recently did a transfer and didn’t get the bonus because he didn’t do it through an email link. For example, if they say you get a bonus for transferring “over” 100k, and you send exactly 100k, they might say you don’t qualify fo...
by mhalley
Sat Jul 20, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling over after-tax 401(k) withdrawal to Roth IRA
Replies: 1
Views: 95

Re: Rolling over after-tax 401(k) withdrawal to Roth IRA

I would imagine not. In addition, taxes and penalties would negate any positive effect of putting it in a Roth. https://thefinancebuff.com/rollover-after-tax-to-roth.html . Before you get super excited, I have to warn you that not everyone can do it. Neither I nor my wife can. Sadly if your plan doe...
by mhalley
Sat Jul 20, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 4
Views: 295

Re: Tax Loss Harvesting Worth it?

I don’t recall the value of my taxable portfolio at the time, but in the 2008-9 crash I TLH 68k of losses. That saved me a fair bit in taxes over the next few years. Kitces calculated the value here. https://www.kitces.com/blog/evaluating-the-tax-deferral-and-tax-bracket-arbitrage-benefits-of-tax-lo...
by mhalley
Sat Jul 20, 2019 2:16 pm
Forum: Personal Investments
Topic: What to sell from Brokerage account
Replies: 6
Views: 315

Re: What to sell from Brokerage account

A need for cash plus non boglehead assets that are losers is the perfect selling opportunity. Sell the losers first, then sell the winners.
by mhalley
Sat Jul 20, 2019 12:52 pm
Forum: Personal Investments
Topic: What percentage of Vanguard
Replies: 18
Views: 830

Re: What percentage of Vanguard

Having more than one brokerage is a personal decision. Many prefer the simplicity of one account, which makes rebalancing and taxes easier. I prefer knowing that should an account get hacked (very unlikely, most likely would not lose money) not all of my money would be at risk.
by mhalley
Sat Jul 20, 2019 12:40 pm
Forum: Personal Investments
Topic: Continue 403b or start roth ira
Replies: 22
Views: 501

Re: Continue 403b or start roth ira

My bad, mis read the table. :oops:
by mhalley
Sat Jul 20, 2019 12:28 pm
Forum: Personal Investments
Topic: Continue 403b or start roth ira
Replies: 22
Views: 501

Re: Continue 403b or start roth ira

I think you mean the top of the 22% bracket is $39475. Otherwise the advise sounds good. What is the mortgage interest rate? You might be better off putting that 200 a month to the Roth if it is less than 4%. You might run the numbers through some of the Roth vs traditional calculators.
by mhalley
Sat Jul 20, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: A/C tune up from Homedepot
Replies: 8
Views: 548

Re: A/C tune up from Homedepot

No personal experience, but most likely they are NOT HD Employees. I imagine whether it is good will depend on the company and the employee that comes out. I would probably skip the HD and look on Angie’s list, home advisor etc and choose a co with good reviews from there.
by mhalley
Sat Jul 20, 2019 11:48 am
Forum: Personal Investments
Topic: Easy Way to Auto Buy Different ETF's at Vanguard?
Replies: 2
Views: 163

Re: Easy Way to Auto Buy Different ETF's at Vanguard?

Why the desire to change? I don’t think you can do this with etfs in general at vanguard, etc. I think you can do it with m1 finance.

https://www.moneyunder30.com/m1-finance-review
by mhalley
Sat Jul 20, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Which Kindle do I need?
Replies: 32
Views: 895

Re: Which Kindle do I need?

I am a voracious reader, and I look on my e reader as a necessity. You could cheap out and read on the cheapest one, and it will work “fine”, but I agree paperwhite at a minimum. I upgraded to the top of the line kindle Oasis and will do so again when the time comes. They are refreshing the oasis so...
by mhalley
Sat Jul 20, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 26
Views: 1550

Re: How to get rid of a piano?

If no one wants it, then it will either cost time or money to get rid of it. Time, dismantle it and take it to the curb piecemiel, or money, pay someone to come take it away. 600 pound items cost $$$ to move.
by mhalley
Sat Jul 20, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?
Replies: 53
Views: 3150

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

When well respected experts in their field have differing opinions, I find it is sometimes better to find a compromise. For example, with Bogle recommending 0% intl and Vanguard recommending 40%, Taylor chose 20% as a good compromise. I chose 50% stocks in retirement as my compromise, I may head tow...
by mhalley
Sat Jul 20, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Vacant land listing: What does "Proposed Use" mean?
Replies: 8
Views: 628

Re: Vacant land listing: What does "Proposed Use" mean?

Just a wild guess, but could it be how the area is currently zoned, ie, if you bought the land and wanted to use it for something not on the list, you might have to have it rezoned? Say it is zoned industrial and you wanted to build a family home, you would need to get it rezoned residential.
by mhalley
Sat Jul 20, 2019 12:51 am
Forum: Investing - Theory, News & General
Topic: DJIA dividend yield
Replies: 3
Views: 339

Re: DJIA dividend yield

It’s DIA, Dow Jones industrial average etf.
. DIA FUND DESCRIPTION. DIA tracks a price-weighted index of 30 large-cap US stocks, selected by the editors of the Wall Street J
by mhalley
Fri Jul 19, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: Should my retirement portfolio be considered separate from my taxable funds?
Replies: 12
Views: 945

Re: Should my retirement portfolio be considered separate from my taxable funds?

I think I disagree. If you are saving for something that is 7 years away, I would look at it as a separate aa. If you put all the taxable in stocks and it takes a 40% haircut, what does this do to the goal you had in mind for the money? At any one time, you might have multiple portfolios. 1. Retirem...
by mhalley
Fri Jul 19, 2019 2:28 pm
Forum: Personal Investments
Topic: brokerage account from bank?
Replies: 6
Views: 370

Re: brokerage account from bank?

As a general rule, Banking and Investing dont mix. If you want a brokerage account, use Vanguard, Fidelity or Schwab. If you want to do banking at the brokerage, use Fidelity or Schwab. Some here do like Merril Edge. The problem I see with these is that it might be free or low fee now, but nothing p...
by mhalley
Fri Jul 19, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Cuisinart 14cup coffee maker carafe drips while pouring
Replies: 1
Views: 200

Re: Cuisinart 14cup coffee maker carafe drips while pouring

I don’t drink coffee but I like to do random google searches, so I found this: get some beeswax. https://www.instructables.com/id/Solving-the-Dribbling-Coffee-Pot-Problem/ CR has a list of non drip makers here https://www.consumerreports.org/coffee-makers/coffee-makers-with-glass-carafes-that-dont-d...
by mhalley
Fri Jul 19, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Distributions after Roth Conversion
Replies: 4
Views: 469

Re: Distributions after Roth Conversion

Yes, there are 3 five year rules. https://www.rothira.com/roth-ira-5-year-rule It looks like a contributions from non deductible conversion can be taken out tax and penalty free. . Distributions of Roth IRA assets from regular participant contributions and from nontaxable conversions of a Traditiona...
by mhalley
Fri Jul 19, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What HSA changes happen going from single to family coverage?
Replies: 1
Views: 138

Re: What HSA changes happen going from single to family coverage?

If either spouse is covered by hsa comparable family plan, you can both contribute as long as you don’t exceed the family maximum. This can be divided any way you see fit, 50/50, 75/25, 100/0, etc, as long as you don’t exceed the maximum of 7k for 2019. Note that not all hd plans are hsa compatible....
by mhalley
Fri Jul 19, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 75
Views: 4882

Re: Bank Safe Deposit boxes

You can add a rider to your homeowners or renters insurance.

https://www.jonathanpond.com/safedepositinsurance
by mhalley
Thu Jul 18, 2019 5:27 pm
Forum: Personal Investments
Topic: Ultimate permanent, balanced portfolio?
Replies: 12
Views: 1466

Re: Ultimate permanent, balanced portfolio?

I think TIPS are not needed at your ages. Most here feel that risk should be taken on the equity side, not the bonds side, plus allocations less than 5% are pretty meaningless. So my suggestions is put the tips and hy bonds in the total us bond fund. You can revisit tips when decumulation age. Here ...
by mhalley
Thu Jul 18, 2019 4:10 pm
Forum: Personal Investments
Topic: thinking of moving American Funds 529 to Vanguard
Replies: 9
Views: 463

Re: thinking of moving American Funds 529 to Vanguard

I also just use the age based portfolio in my 529.
by mhalley
Thu Jul 18, 2019 2:10 pm
Forum: Personal Investments
Topic: Consolidating Investments
Replies: 6
Views: 428

Re: Consolidating Investments

I like having my funds spread out over several accounts, but many prefer simplicity. The chance if something happening to the accounts is small, but I sleep better knowing if one account is hacked, they can’t gat ALL of my money. I also don’t like having balanced funds in taxable as you forgo the ab...
by mhalley
Wed Jul 17, 2019 12:16 pm
Forum: Personal Investments
Topic: Moving 529 College Plan from 1 Institution to Another in Tax Advantaged State
Replies: 3
Views: 255

Re: Moving 529 College Plan from 1 Institution to Another in Tax Advantaged State

I think whether you have to keep a 529 in the state plan after taking a tax deduction depends on the state, but it looks like a lot of them don’t allow rollovers after deductions. The disadvantage of front loading a 529 would be that there is a maximum amount that will be eligible for the tax deduct...
by mhalley
Tue Jul 16, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity & Vanguard check deposit apps
Replies: 4
Views: 407

Re: Fidelity & Vanguard check deposit apps

I suppose they are as safe as your phone. How easy is it for a hacker to break in to your phone, bypassing the passcode and or fingerprint, then break in to the app? If you don't store the app password on the phone, plus have an authenticator for 2fa instead of sms, and don't have your financial ema...
by mhalley
Mon Jul 15, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Secure Android program for photos?
Replies: 8
Views: 687

Re: Secure Android program for photos?

The program says most people can get by with the free version, but I am sure there are many other similar apps. The main reason I posted was to give OP more google search options.
. For most, PicSafe® BASIC (the free version) will be all you need.
by mhalley
Mon Jul 15, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell 2
Replies: 8
Views: 1222

Re: Ring video doorbell 2

I was somewhat disappointed in mine. The delay between someone pressing the doorbell and the notification on my phone is sometimes excessive. I think I read this is less of a problem if it hooked to power instead of battery. I also had problems adjusting the motion sensor to not go off at passing ca...
by mhalley
Mon Jul 15, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1002

Re: Bathtub Mat Recommendation

Now that I think about it, not sure if op is talking about a mat that goes in the bathtub or one that is next to the bathtub for when you step out. I fixed my slippery bathtub by “painting” it with a non stick material. I think this is the one I used and it worked fine. https://www.amazon.com/gp/pro...
by mhalley
Mon Jul 15, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1002

Re: Bathtub Mat Recommendation

I bought some washable cloth ones that I throw into the washing machine weekly. To keep it from slipping I put those anti-slip mats beneath.
by mhalley
Mon Jul 15, 2019 2:05 am
Forum: Personal Consumer Issues
Topic: Secure Android program for photos?
Replies: 8
Views: 687

Re: Secure Android program for photos?

How about an app that is used to transmit medical photos (ie, must comply with hipaa) I don’t know if this does what you need. But if not you could search for hippa compliant messaging etc. Something like https://picsafe.com/us/ The PicSafe® Solution Just as easy as using the default camera app Encr...
by mhalley
Sun Jul 14, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3000

Re: The exact month to begin receiving Social Security benefits for the maximum.

You can apply up to 4 mos ahead of time. This site gives some tips on making sure you get the most $$$ .If you are filing for your retirement benefit at 70 and don't want to take 6 months of retroactive benefits, which will mean lower monthly payment checks, you might write: "I'm filing for my retir...
by mhalley
Sun Jul 14, 2019 3:56 pm
Forum: Personal Investments
Topic: Would appreciate thoughts on investing IRA rollover
Replies: 8
Views: 423

Re: Would appreciate thoughts on investing IRA rollover

If you don’t need the money, what about converting it to a Roth instead of putting it in taxable? It results in lower rmds, plus is better for any heirs who might inherit the Roth.
by mhalley
Sun Jul 14, 2019 3:38 pm
Forum: Personal Investments
Topic: Passive vs active for parent's retirement
Replies: 19
Views: 1346

Re: Passive vs active for parent's retirement

Cancel the meeting. These guys are trained to counter any arguments you might come up with. Your parents won’t want to upset their friend, plus you suffer from “powdered butt syndrome”. This states that anyone who powdered your butt will never take your advice on matters of finance. Why and who setu...
by mhalley
Sun Jul 14, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Should I knowingly buy a fake antique?
Replies: 26
Views: 2485

Re: Should I knowingly buy a fake antique?

If the person who made it is the one selling it, I wonder if you could commission him to make a similar one for you?
Something along the lines of, hey, I see you have the 100yo piece. I really like it, but it is out of my price range. I wonder if you could make me a similar one for $X?
by mhalley
Sun Jul 14, 2019 2:02 am
Forum: Personal Investments
Topic: Setting up for back door Roth. Need to close Sep IRA, rollover, or sell?
Replies: 7
Views: 548

Re: Setting up for back door Roth. Need to close Sep IRA, rollover, or sell?

Sorry I don't know the rules about changing retirement plans mid year. This article discusses it here http://www.consultrms.com/Resources/30/SEPs/121/Switching-from-a-SEP-to-a-401(k) TERMINATING A SEP: A SEP may be terminated at any time and all funding can stop once the plan is terminated. The fina...
by mhalley
Sun Jul 14, 2019 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 25
Views: 2602

Re: Health Care Options Until Age 65?

The main way to do it is using an aca plan at healthcare.gov. You might be able to get a subsidy if you can manipulate your income so it is not too high or too low. Another option is the healthcare sharing ministry. Some advocate them as being a cheaper alternative. I am somewhat leary of them mysel...
by mhalley
Sat Jul 13, 2019 11:16 pm
Forum: Personal Investments
Topic: Please criticize my AA (YNAB side effects!)
Replies: 6
Views: 780

Re: Please criticize my AA (YNAB side effects!)

I would exclude money that is not for retirement from your asset allocation. Emergency fund, short to intermediate term savings for things like vacations, house remodeling or down payment, car purchase, etc would not be included in the retirement aa. I believe you can uncheck various accounts in pc ...
by mhalley
Sat Jul 13, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of back door Roth IRA (with MBR 401k)
Replies: 7
Views: 361

Re: Mechanics of back door Roth IRA (with MBR 401k)

You are correct that you dont want to do a backdoor Roth if you have a traditional Ira. You have several options: Convert all the traditional Ira to Roth and pay the taxes Roll the traditional Ira to your current 401k Start a side business, open a solo 401k and roll the money to it https://thecolleg...
by mhalley
Sat Jul 13, 2019 11:12 am
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 7167

Re: my mom is a "financial advisor"

Bogleheads do not believe that there are NO funds that beat indexing, just that it is extremely difficult to find them, and if you do find one it will at some point revert to the mean. We don’t want to take the time and effort to search for these funds, keep monitoring for the inevitable fall, pay o...
by mhalley
Sat Jul 13, 2019 10:56 am
Forum: Personal Investments
Topic: Keeping it simple across Taxable and 401K - 3+ fund portfolio
Replies: 4
Views: 499

Re: Keeping it simple across Taxable and 401K - 3+ fund portfolio

When I was working as a doc and started adding bonds, I used the int muni fund in taxable for part of my bond allocation. Check to see if there is a state muni bond fund for your state. At 32% x35%, I imagine that would be better than tHan total bond. I don’t think I would put my entire bond allocat...
by mhalley
Sat Jul 13, 2019 10:43 am
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 32
Views: 2021

Re: Was going with AXA a bad move?

Lots of companies have something like a $50 account closing fee, but that will be made up quickly by the much lower fees at vanguard. Axa seems to hide their fees from an easy google search.
by mhalley
Fri Jul 12, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7797

Re: Medigap vs Advantage: Which did you select?

Just made the decision to go with original Medicare plus part d and g. I didn’t want the have to worry about docs and hospitals being in network. The expense didn’t seem like a lot, since I’m going from aca at $2845 a month for spouse and I.
by mhalley
Fri Jul 12, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does a variable annuity make sense while living and working outside US?
Replies: 10
Views: 604

Re: Does a variable annuity make sense in this situation?

Taxable accounts already have pretty good tax status in the U.S. I can’t see how paying extra fees, especially when those fees will most likely rise, is a good idea.
by mhalley
Fri Jul 12, 2019 12:56 pm
Forum: Personal Investments
Topic: Vanguard Website Aggregator Service
Replies: 2
Views: 366

Re: Vanguard Website Aggregator Service

Check out this thread on using it for rebalancing
viewtopic.php?f=10&t=150267
I like personal capital better.
by mhalley
Fri Jul 12, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 86
Views: 9781

Re: Paying cash for a vehicle

Moderation in all things, including being a boglehead. I always buy new cars, plus we eat out a lot. And just carrying that pillow is not enough, you need to strap on some airbags to prevent fractures.

https://www.israel21c.org/hip-hope-cush ... n-elderly/
by mhalley
Fri Jul 12, 2019 10:47 am
Forum: Personal Investments
Topic: Which Portfolio is best for me? Core 4 vs 3 Fund vs Swensen?
Replies: 14
Views: 1005

Re: Which Portfolio is best for me? Core 4 vs 3 Fund vs Swensen?

The thing is, no one knows which portfolio will outperform in the future. Pick one, stick with it for 40 years, then you will know. It depends on if you want to spend 10 minutes a year rebalancing vs 15, Here is what wci says in his 150 portfolios better than yours post: https://www.whitecoatinvesto...
by mhalley
Thu Jul 11, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 76
Views: 5236

Re: How to Safely Share User IDs / Passwords with Spouse

I like KEEpass as it is not stored in the cloud. Told my wife the master password and where the files are located on the iPad and pc, plus listed with detailed instructions in the “death note”.