Search found 5903 matches

by mhalley
Sat Aug 18, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45237

Re: MoviePass-Too good to be true, but it's legit.

Now movie pass is showing only a couple of movies available, but only in the evening. Why on earth would they not want you to go to the cheaper matinee shows?
by mhalley
Thu Aug 16, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Old Acura TL vs new Honda Accord
Replies: 11
Views: 678

Re: Old Acura TL vs new Honda Accord

I love my 2012 TL SHO, plan on keeping until at least '22. It would take a heck of a deal for me to get rid of it as I feeel it is the best car I ever had. The only thing I wish it had is a backup camera, considering buying a rear view mirror one
by mhalley
Thu Aug 16, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1470

Re: Best (cheapest) way to book a flight well in advance

Clark Howard is my go to guy for travel tips. He is a fan of google flights.

https://clark.com/travel/clarks-secret- ... -possible/
by mhalley
Thu Aug 16, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refusing a Portion of Inherited IRA
Replies: 8
Views: 815

Re: Refusing a Portion of Inherited IRA

Disclaiming part of an Ira is a viable option if you and your husband so desire. This type of cascading beneficiary method of inheritance is discussed at length by James Lange. He has lots of posts about the plan here https://paytaxeslater.com/?submit=%E2%86%92&s=Cascading This post discusses when t...
by mhalley
Thu Aug 16, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: withdraw home insurance claim
Replies: 3
Views: 233

Re: withdraw home insurance claim

Most likely it will stay on your clue report. If this is an isolated claim, it will probably not affect your rates, depends on the insurance company, talk to your agent and see if he put it in your clue report.
http://get-quotes.org/articles/How-To-C ... Claim.html
by mhalley
Wed Aug 15, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1217

Re: Solutions for Printing from a Chromebook

You might Try dual booting a Linux build on the laptop. Look at this page and see if your model has Linux drivers.
http://support.brother.com/g/b/products ... content=dl
by mhalley
Wed Aug 15, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Convert TSP to roth on retirement?
Replies: 7
Views: 502

Re: Convert TSP to roth on retirement?

The TSP has some quirks regarding withdrawals compared to other retirements plans. It has changed for the better recently, but transferring part of it out might make sense.

https://www.tsp.gov/PlanParticipation/L ... index.html
by mhalley
Wed Aug 15, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Are Investment and Retirement Accounts Proctected Against Identity Theft?
Replies: 4
Views: 478

Re: Are Investment and Retirement Accounts Proctected Against Identity Theft?

Most of the things they recommend are common sense, but I wonder how Vanguard or another brokerage would know if you did something you were not supposed to. Have my password in a drawer next to my computer so it is handy? Clicked on an email phishing scam? Logged on at MacDonalds? Left my computer o...
by mhalley
Mon Aug 13, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from ML to Vanguard-Advisor or not to advisor
Replies: 2
Views: 242

Re: Moving from ML to Vanguard-Advisor or not to advisor

You could always sign up for vanguard pas and then cancel after a quarter. Or provide more info and let the bogleheads advise you for free. Vanguard will basically do a 4 fund portfolio similar to their tr funds. I’m not sure exactly what advice you need for the transfer. Whether to transfer in kind...
by mhalley
Mon Aug 13, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Yet Another WL insurance question [Whole Life]
Replies: 10
Views: 582

Re: Help! Yet Another WL insurance question [Whole Life]

You might spend $100 for an expert evaluation of the best option. https://evaluatelifeinsurance.org/ WCI has a diy evaluation guide here https://www.whitecoatinvestor.com/how-to-evaluate-your-own-whole-life-policy/ And discusses 1035 here https://www.whitecoatinvestor.com/how-to-dump-your-whole-life...
by mhalley
Mon Aug 13, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2327

Re: What's the reason you would buy reading glasses at...

I have the trifecta of vision problems (myopia-near sighted, presbyopia-far sighted due to aging, and astigmatism-eye does not focus at all distances). For everyday use I wear progressive lenses, but they are not great for prolonged reading. I therefore asked my od for a rx for reading glasses that ...
by mhalley
Sat Aug 11, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3103

Re: Financial Advidor Mandatory?

Bogleheads believe that most everyone can be a diy investor, but if you do need one you need to minimize expenses. A compromise is to hire vanguard pas for 6 mos and get educated the diy. Wci has a good summary of advisor value here.
https://www.whitecoatinvestor.com/value-of-an-advisor/
by mhalley
Fri Aug 10, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor Conversion ROTH IRA - Form 8606
Replies: 5
Views: 341

Re: backdoor Conversion ROTH IRA - Form 8606

Sorry, the ? Was meant as abbreviation, not implying the answer was in question, ie, yes to both questions. So my abbreviation has now caused a lot of extra typing.
by mhalley
Fri Aug 10, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7115

Re: Moving from Vanguard to Fidelity

That sounds correct. From vanguards website Can I convert my conventional Vanguard mutual fund shares to Vanguard ETF Shares? Yes. Most funds that offer ETF Shares will allow you to convert from conventional shares of the same fund to ETF Shares. (Four of our bond ETFs—Total Bond Market, Short-Term ...
by mhalley
Fri Aug 10, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Backdoor Investment question
Replies: 3
Views: 353

Re: Roth IRA Backdoor Investment question

Lifestrategy growth (80/20) Vanguard Total Stock Market Index Fund Investor Shares 48.10% Vanguard Total International Stock Index Fund Investor Shares 31.60% Vanguard Total Bond Market II Index Fund Investor Shares† 14.30% Vanguard Total International Bond Index Fund Investor Shares 6.00% 100.00% L...
by mhalley
Fri Aug 10, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2362

Re: Buying used car - advice requested

You have a price range from 8 to 17k. I think you need to settle on your price first, then go from there. A leaf can be very economical if you have a short commute. Clark Howard touts used ones as a great deal. I understand nissans are a good value because they are not as popular as the other major ...
by mhalley
Thu Aug 09, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Should I rollover Vanguard 401k to IRA?
Replies: 3
Views: 281

Re: Should I rollover Vanguard 401k to IRA?

One thing to consider is your current income and salary trajectory, ie, do you expect to earn too much to contribute to a Roth IRA in the future? If so, keeping the 401k would be better. IRAs do have less creditor protection than 401ks.
by mhalley
Tue Aug 07, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vangard vs Fidelity vs SEI "NewBie " to Bogleheads.org.
Replies: 9
Views: 662

Re: Vangard vs Fidelity vs SEI "NewBie " to Bogleheads.org.

So you may be paying .75 in asset under management fees, in addition to fund fees of about 0.9, 1.65 in total. That is over 11 thousand dollars a year. You could transfer to vanguard and have them do it for about 0.4, or do it yourself for about .05. They don't want you to realize how much money is ...
by mhalley
Tue Aug 07, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA for an older retired relative
Replies: 11
Views: 972

Re: SPIA for an older retired relative

Otar has a section in his book Unveiling The Retirement Myth -
Advanced Retirement Planning Based on Market History
on when and how much to annuitize. PDF is $5.99, well worth the read.
http://www.retirementoptimizer.com/
by mhalley
Tue Aug 07, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45237

Re: MoviePass-Too good to be true, but it's legit.

I just can’t win. :oops: I cancelled my movie pass sub yesterday and signed up for sinemia, and today get the email addressing my reasons for cancelling. Hopefully I can cancel my cancellation.
by mhalley
Tue Aug 07, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2491

Re: Getting the stink out of synthetic shirts

I find washing them with one of my $5000 watches works well.
by mhalley
Mon Aug 06, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm
Replies: 19
Views: 1021

Re: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm

Remember that no company is perfect and occasional mistakes happen. This is a mostly vanguard oriented forum, so you will see mostly vanguard posts. If you google schwab sucks or fidelity sucks tda sucks etc etc you will see plenty of bad reviews of those brokerages. Also remember that people are mo...
by mhalley
Sun Aug 05, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Local Bank IRA
Replies: 10
Views: 523

Re: Local Bank IRA

Depends on their overall financial situation. Having only CDs will end up losing money to inflation.You need 30% stocks to keep up with inflation. If they don’t need this money to live on, and don’t care that their heirs will be short changed, then bank CDs would be ok. Overall I think it is a bad i...
by mhalley
Sun Aug 05, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4570

Re: Dear BH, what are non-BH actions you do?

I buy new cars but keep them for at least 10years.
We go out to eat all the time. Pay a fortune to cable TV.
by mhalley
Sat Aug 04, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Water leak in apartment - getting out of lease?]
Replies: 9
Views: 622

Re: not an investing question, but i need help from fellow bogleheads

Do you have renters insurance? Is there any damage to your personal belongings? I imagine you have no liability, hopefully you have documentation you notified the landlord of the leak. Due to the mold you might have an out for the lease due to the apartment being uninhabitable (state specific laws)....
by mhalley
Sat Aug 04, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: My wife's buried 401k treasure just discovered -- help?
Replies: 2
Views: 1018

Re: My wife's buried 401k treasure just discovered -- help?

Many 401k plans have funds with no ticker. Agree that nav does not matter.
by mhalley
Sat Aug 04, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: 401k/Roth 401k or both?
Replies: 6
Views: 311

Re: 401k/Roth 401k or both?

At that high a bracket I would lean toward traditional. Can you do a backdoor Roth in addition to maxing the 401k?
by mhalley
Fri Aug 03, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with rollover into IRA and future retirement plans
Replies: 49
Views: 2768

Re: Help with rollover into IRA and future retirement plans

No question that a prudential Roth 401k will have high fees and should be rolled over, UNLESS it is a traditional 401k and you want to preserve the possibility of backdoor Roth in the future if your income exceeds the Roth limit. Keeping old 401ks is fine as they have greater creditor protection and...
by mhalley
Fri Aug 03, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for adult son with no medical insurance - emergency room visit...
Replies: 15
Views: 1615

Re: Advice for adult son with no medical insurance - emergency room visit...

If you go to an emergency room, they must treat you. After you are treated, you will get a huge bill. This is due to a law called EMTALA. . Any patient who "comes to the emergency department" requesting "examination or treatment for a medical condition" must be provided with "an appropriate medical ...
by mhalley
Fri Aug 03, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Whole Life Policy
Replies: 6
Views: 494

Re: Inherited Whole Life Policy

When I found out my mother had a wl policy on me I thanked her for it, took the cash value and gave it to her.
Only having life insurance at work is not good. If you get an illness and lose your job, you are SOL. Look int term life, buy the policy then cancel the work plan.
by mhalley
Fri Aug 03, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Travel Laptop Computer Recommendation
Replies: 12
Views: 916

Re: Travel Laptop Computer Recommendation

Sounds like this would be an ideal situation for a chromebook. You can use google docs for the word processing. You can now do more offline with them than previously. https://fieldguide.gizmodo.com/everything-you-can-do-offline-with-a-chromebook-1780519966 https://www.techradar.com/news/10-best-chro...
by mhalley
Fri Aug 03, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security--Reaching Age 70 with a Restricted Application
Replies: 7
Views: 803

Re: Social Security--Reaching Age 70 with a Restricted Application

SS seems to want to give you retroactive benefits before 70, so it is recommended you put a statement like this on your application. . ...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 mig...
by mhalley
Fri Aug 03, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds
Replies: 6
Views: 686

Re: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds

The threshold for getting a 1099 is $10 I believe. I can’t see how he would not have received dividends/cap gains from the Franklin fund. You can go here https://www.franklintempleton.com/investor/products/mutual-funds/distributions/158/franklin-rising-dividends-fund/FRDPX And click on historical da...
by mhalley
Fri Aug 03, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6163

Re: Financial Planner is going to buy funds for me. What should I find out first before letting him?

A few things to find out
1. Is he a fiduciary
2. What fee structure does he use, what will be the cost of funds, asset under management fees, etc.
by mhalley
Thu Aug 02, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Liquidation Strategy
Replies: 1
Views: 211

Re: Asset Liquidation Strategy

I would say it depends on the interest rate on the I bonds. If they are older and getting a great rate, I would keep them as they are not replacible. Total stock market is.
by mhalley
Thu Aug 02, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45237

Re: MoviePass-Too good to be true, but it's legit.

Sinemia’s website offers family plans, only need one account.
by mhalley
Thu Aug 02, 2018 2:13 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 2949

Re: Weird Portfolio Guy Returns

I don’t think you will get any praise for these sector portfolios here. You might get a better reception over at the Morningstar forums.
http://socialize.morningstar.com/NewSoc ... fault.aspx
by mhalley
Thu Aug 02, 2018 1:55 am
Forum: Investing - Help with Personal Investments
Topic: How do you convert an index mutual fund to ETF with Vanguard
Replies: 4
Views: 595

Re: How do you convert an index mutual fund to ETF with Vanguard

I believe you have to call them to have a conversion from a mutual fund to the CORRESPONDING ETF done. But you can’t convert from one mutual fund to another etf. Ie, you could only convert Vtsax to vti. You would have to sell vtsax and buy viov. https://www.bogleheads.org/wiki/Exchange-traded_fund#H...
by mhalley
Thu Aug 02, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with rollover into IRA and future retirement plans
Replies: 49
Views: 2768

Re: Help with rollover into IRA and future retirement plans

Rolling the 401k over to an Ira might not be the best thing. You are ok to contribute to Roth IRA at your current income, but as your salary increases you will exceed the limits and need to do backdoor Roth. Having money in a traditional Ira would preclude that. If the funds are ok, keep the 401k wh...
by mhalley
Wed Aug 01, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: School District 457b Plan 0.55% Fee
Replies: 3
Views: 377

Re: School District 457b Plan 0.55% Fee

A general rule of thumb is that it is worthwhile to contribute to high fee retirement plan up to fees of 1.7%.

https://www.bogleheads.org/wiki/401(k)
by mhalley
Wed Aug 01, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Collections Record on Credit Score
Replies: 4
Views: 258

Re: Collections Record on Credit Score

Sorry to say that you made a mistake. The proper way to handle this would have been to get an agreement from the co that they would remove the collection from your credit report in order for you to pay them. Now you have no leverage. You can always request the co to remove the item from your credit ...
by mhalley
Wed Aug 01, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity Fully Paid Lending a Good Deal?
Replies: 2
Views: 266

Re: Is Fidelity Fully Paid Lending a Good Deal?

sounds too good to be true, so it probably is. Previous thread on the subject: https://www.bogleheads.org/forum/viewtopic.php?t=148722 I think one of the biggest problems might be converting a qualified dividend into unqualified if you do this in a taxable account. So better to do it in an IRA. From...
by mhalley
Wed Aug 01, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help Future me...
Replies: 9
Views: 1121

Re: Help me help Future me...

Balanced funds are not the best in taxable accounts. You lose out on potential tax loss harvesting. There is no way to predict future tax rates, so hedging by using both Roth and traditional is reasonable. Backdoor roths are also a good dea, you could see if you can roll your trad Ira into the tsp. ...
by mhalley
Wed Aug 01, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Annuity Suspended
Replies: 5
Views: 617

Re: Defined Benefit Annuity Suspended

How much actual money are we talking here? My first thought was that you could check into paying back the money you were not supposed to get, because having your pension reduced by 23% forever could have you potentially losing more in benefits than you received? Shouldnt the cut be until the error i...
by mhalley
Wed Aug 01, 2018 1:49 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6163

Re: Nervous about not using a personal wealth manager. How do I do this myself?

If you really need some hand holding until you feel you have a handle on everything, try using vanguard pas for 0.3% plus very low cost funds instead of the .9% plus 1% fund fees. Once you have educated yourself, then drop pas. Alternatively, get a fee only planner that you pay for a tune up when yo...