Search found 5981 matches

by mhalley
Wed Sep 19, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 35
Views: 2111

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: 2896

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: 6
Views: 1448

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...
by mhalley
Tue Sep 18, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: transferring in-kind VPMAX to Fidelity Roth IRA?
Replies: 5
Views: 403

Re: transferring in-kind VPMAX to Fidelity Roth IRA?

Yes, you need to exchange it for something that you can buy in a fidelity Ira. As mentioned above, vanguard admiral shares are not on their funds list for purchase. Put in the ticker for another fund you like that is also on the fidelity list, or just sell it and move the cash.
by mhalley
Tue Sep 18, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Options
Replies: 8
Views: 429

Re: HSA Investment Options

The wiki says it is 1.7 for the er. An hsa is a little different in that you can move the hsa after a year to a better hsa account. So wpeven if it was 2 or more it would make sense to do it then move it after a year.
by mhalley
Tue Sep 18, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: transferring in-kind VPMAX to Fidelity Roth IRA?
Replies: 5
Views: 403

Re: transferring in-kind VPMAX to Fidelity Roth IRA?

Ahh, didn’t know it was closed, but I think the admiral thing in general still applies. I put in Vtsax (total stock market admiral) and got the same message.
by mhalley
Tue Sep 18, 2018 3:33 am
Forum: Investing - Help with Personal Investments
Topic: transferring in-kind VPMAX to Fidelity Roth IRA?
Replies: 5
Views: 403

Re: transferring in-kind VPMAX to Fidelity Roth IRA?

Don’t think so as I don’t think you can buy admiral shares outside of vanguard (except for 401ks). I put in an order to buy it in my fidelity account and got this message . 010952) The mutual fund you requested to trade is an Advisor Fund and is not available for retail trading. For more information...
by mhalley
Tue Sep 18, 2018 2:56 am
Forum: Investing - Help with Personal Investments
Topic: At what point do you use muni bonds in taxable portfolio?
Replies: 2
Views: 550

Re: At what point do you use muni bonds in taxable portfolio?

You calculate the tax equivalent yield and see which gives you the most return. So let’s look at the current sec yields on tbm vs int term tax exempt. Tbm 3.06% Int term 2.58% Using this calculator https://www.calcxml.com/do/inc11 We get A 2.580% tax-free return is equivalent to a tax-equivalent yie...
by mhalley
Mon Sep 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Pay large medical bills - cash or HSA?
Replies: 8
Views: 491

Re: Pay large medical bills - cash or HSA?

What is your overall plan with the hsa, now and in the future? Do you have the money in the hsa invested? Will you continue to invest in an hsa going forward? There is a huge advantage to treating an hsa as a stealth Ira, leaving the money to grow for many years, then using the money and its growth ...
by mhalley
Mon Sep 17, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1837

Re: Does cash at Ally count in my asset allocation?

The way I did it:
Before retirement, the cash was my emergency fund, so not counted as part of my aa.
After I retired, i consider it as part ofy overall as.
Either methos is fine, just be consistent.
by mhalley
Sun Sep 16, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 46
Views: 3562

Re: Equity allocation for Flagship clients?

Ditto with 50/50 and sleeping. I feel I have won the game, and having a higher stock allocation means I could lose.
by mhalley
Sun Sep 16, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 22
Views: 2495

Re: How to get financially ready for death of parent

In addition to the above, she might consider joining a memorial society to decrease the cost of burial expenses.
by mhalley
Sun Sep 16, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Playing catch up. Best methods to grow retirement in next 10+years?
Replies: 17
Views: 2087

Re: Playing catch up. Best methods to grow retirement in next 10+years?

Run the numbers at cfiresim etc. paying off a low interest mortgage might not be the best way to go. Many ways to pay for college, if the numbers don’t add up you might need to forgo the 529.

http://www.cfiresim.com/
by mhalley
Sun Sep 16, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5036

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

Wow, this is crazy, what does 2% and 1% accomplish? Starting to look like an EJ portfolio, complexity to show that it is too complicated for you to diy.
by mhalley
Sat Sep 15, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest money that you may need in 6 months to a year.
Replies: 17
Views: 1774

Re: How to invest money that you may need in 6 months to a year.

This short term money needs to be saved, not invested. High yield bank savings, money market or CDs. I don’t know the current yield on muni mm funds, so check into those to see if your tax equivalent yield would be better. https://investor.vanguard.com/mutual-funds/list?assetclass=mm&taxeff=xmpt#/mu...
by mhalley
Sat Sep 15, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Staying with the old platform Mutual Funds
Replies: 12
Views: 1189

Re: Staying with the old platform Mutual Funds

My understanding is that one of the main reasons for the switch to brokerage accounts is cost. I doubt vanguard would recoup its cost of keeping the mutual fund platform open by charging a nominal fee for the few that don’t want to switch. If there is something specific you need that the vanguard br...
by mhalley
Sat Sep 15, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Daughter's 401k w/Edward Jones
Replies: 3
Views: 567

Re: Daughter's 401k w/Edward Jones

Why is she meeting with this advisor? I see nothing good coming from the meeting. One thing is to ensure that she does not sign up for her account to be managed by the salesman she is going to see. The 401k should have a list of funds and their fees posted on the internet site. Post the fund names, ...
by mhalley
Sat Sep 15, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: How much in a brokerage account?
Replies: 7
Views: 752

Re: How much in a brokerage account?

I worry more about something happening to my account than to my brokerage. That is why I have money at several brokerages. Many prefer the simplicity of one account. YMMV.
by mhalley
Sat Sep 15, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Ineligible Roth Contributions
Replies: 10
Views: 832

Re: Ineligible Roth Contributions

Thanks for the clarification on the waiting period.
by mhalley
Fri Sep 14, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and Certificate of Deposits
Replies: 8
Views: 1108

Re: Vanguard and Certificate of Deposits

Vanguard will eventually force you into a brokerage account. If you really don’t want one, look to fidelity or schwab (brokerage accounts). The majority of people that have switched have had no problems.
by mhalley
Fri Sep 14, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a problem that our mortgage lender doesn’t report to credit bureaus?
Replies: 11
Views: 762

Re: Is it a problem that our mortgage lender doesn’t report to credit bureaus?

You can still have excellent credit even if you only have credit cards that you pay off monthly. Will the number be as high as it would if they reported the mortgage? Probably not, but it will still be high enough for you to qualify for zero % car loans, best mortgage rate if you move, zero % cc tra...
by mhalley
Fri Sep 14, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs EJ
Replies: 16
Views: 968

Re: 3 fund vs EJ

Abndx and amusx have underperformed total bond, so he could start there.
by mhalley
Fri Sep 14, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Ineligible Roth Contributions
Replies: 10
Views: 832

Re: Ineligible Roth Contributions

Yes, recharacterize to traditional then put it back into the Roth. I believe you need to wait 30 days after the recharacterization to put it back in the Roth. Most would recommend going ahead with the recharacterization and back door roth approach. Non deductable Ira are not worth the tax reporting ...
by mhalley
Thu Sep 13, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: How Boglehead 3 Fund portfolio performed?
Replies: 4
Views: 1043

Re: How Boglehead 3 Fund portfolio performed?

I used portfolio visualizer and put in 55% total stock, 35% total intl stock and 10% total bond. Since 2015 it returned 8.8%. Looks like the 3 fund portfolio is horrible and everyone should switch to the fidelity retirement saver. :oops: https://www.portfoliovisualizer.com/backtest-portfolio O, wait...
by mhalley
Thu Sep 13, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 7-10 year investment horizon
Replies: 2
Views: 402

Re: Help with 7-10 year investment horizon

7 years meets the criteria for taking some risk with the money. How would you feel if you had less money in 7 years than you do now? Depending on how risky you want to be, maybe 50/50 stock bond in the 3 fund portfolio would be reasonable, 30/50 if you are reallly risk averse.. Use the percentage of...
by mhalley
Thu Sep 13, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1539

Re: Homeowner's Insurance - Price vs. Quality

Insurance is one of the few things Clear Howard recommends paying a premium se opposed to chrapong out. No personal experience, but he does recommend Amica and usaa frequently.
by mhalley
Thu Sep 13, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please advice - Fresh graduate starting investments
Replies: 2
Views: 218

Re: Please advice - Fresh graduate starting investments

Single or multiple brokerages is a personal decision. Simplicity of rebalancing with one brokerage vs (probably more emotional than actual) decreased risk of losing money due to account takeover, hacking, etc. I like multiple brokerages myself. The new no fee fidelity total stock market fund would b...
by mhalley
Thu Sep 13, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding from RMD'S
Replies: 10
Views: 850

Re: Withholding from RMD'S

Wow, I did not realize that Vanguard will only withhold taxes on rmds for 26 states. Fortunately I only have my roths with them, better go check to see if fidelity does all 50...... Looks like fidelity will allow me to set a percent for my state. This is one subject I have never seen discussed on th...
by mhalley
Thu Sep 13, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding from RMD'S
Replies: 10
Views: 850

Re: Withholding from RMD'S

You can choose to have whatever amount you need to be withheld for taxes. Even 100% if you need to. Vanguard will send it to Unca Sam. I haven’t started rmds yet, but vanguard will send you the documentation (1099-R) I believe. Are you enrolled in Vanguards RMD service? https://personal.vanguard.com...
by mhalley
Thu Sep 13, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Question for RMD'ers with predominantly bond IRAs
Replies: 11
Views: 881

Re: Question for RMD'ers with predominantly bond IRAs

How about a cd ladder? Maybe 1-2 years in mm, then a 2-3 year ladder.
by mhalley
Thu Sep 13, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: How easily can I roll one Roth IRA into another?
Replies: 15
Views: 833

Re: How easily can I roll one Roth IRA into another?

No tax liability on moving from Roth to Roth. I imagine the account would remain open with a zero balance, I have had zero balance in my schwab trad Ira since rolling it to a Roth last year, and a couple traditional IRAs at vanguard with zero balances for 3 years.
by mhalley
Wed Sep 12, 2018 3:12 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 22
Views: 1490

Re: Opinion's: Best time to withdraw RMD's when required to do so.

It doesn't matter that much, but what I plan to do in six years us to take my rmds in late November. At that point I wiill have a good idea of my tax burden and will withhold taxes accordingly, allowing me to skip estimated tax payments. It will also allow money to compound tax free longer. Plus I s...
by mhalley
Wed Sep 12, 2018 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in retirement too good to be true?
Replies: 23
Views: 4331

Re: Taxes in retirement too good to be true?

The problem with this scenario is you are assuming a taxable account. Most people will have the majority of funds in an IRA ir 401k. Then you have to think about rmds, Roth conversions, etc
by mhalley
Wed Sep 12, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: dumb dentist question - canceling whole life insurance
Replies: 19
Views: 1867

Re: dumb dentist question - canceling whole life insurance

Think of it this way: you realized it was a mistake with only a years worth of premiums. Every month you delay getting rid of it makes the mistake bigger. Set up your term life tomorrow, cancel the whole life the day after. Lesson learned, move on. If you want to pursue the 1035 exchange, call vangu...
by mhalley
Tue Sep 11, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 5G Wireless
Replies: 44
Views: 2366

Re: Investing in 5G Wireless

I'm not advocating this, but a cursory Google search shows multiple ETFs that MIGHT benefit from 5g rollout.
by mhalley
Tue Sep 11, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: At retirement, roll over Govt 457(b) into 401(K) or vice versa?
Replies: 1
Views: 186

Re: At retirement, roll over Govt 457(b) into 401(K) or vice versa?

457 plans have several advantages over 401k plans. You mention little money in taxable, 457 have no early withdrawal penalty, but with your age that won’t matter. I think that would be the main reason to keep it. Creditor protection is similar to 401k I believe. But if you are over 59 1/2 after you ...
by mhalley
Tue Sep 11, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Is there a point where you should stop or hold off rebalancing?
Replies: 15
Views: 1059

Re: Is there a point where you should stop or hold off rebalancing?

If you are questioning your rebalancing due to markets going lower, you are missing the point of the purpose of rebalancing. You are questioning your decision because you feel like you are throwing good money after bad. This is exactly how rebalancing should feel. If you question it, you are questio...
by mhalley
Sun Sep 09, 2018 2:10 am
Forum: Personal Consumer Issues
Topic: I like my TechEase progressives. How can I replace them?
Replies: 4
Views: 591

Re: I like my TechEase progressives. How can I replace them?

I have myopia near sighted) astigmatism (Abnormal cornea shape ) and presbyopia (far sighted). I had my optometrist write a rx for just reading, ie, only correct for the far sighted and astigmatism, they work great for reading, so I imagine they would be good for computer work also. This is not exac...
by mhalley
Sat Sep 08, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Just got a new job, looking for a bit of advice on what to do
Replies: 8
Views: 1166

Re: Just got a new job, looking for a bit of advice on what to do

Sounds like your career is on an upward trajectory. I would go traditional ain 401k and Roth for Ira, preserving the possibility of backdoor Roth in the future and giving you tax diversification for retirement withdrawals.
by mhalley
Sat Sep 08, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2347

Re: What performance to expect from central AC?

How many stories, square footage and size of ac?
by mhalley
Sat Sep 08, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: mortgage accelerator?
Replies: 16
Views: 1054

Re: mortgage accelerator?

I think I recall Clark Howard discussing this on his podcast. I believe the numbers start to break down as interest rates rise, and with the current rising rate environment any arbitrage is set to go away very quickly, so he felt the program will stop working in the very near future. Plus I believe ...
by mhalley
Fri Sep 07, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: asset allocation -- why bond/stock split first?
Replies: 25
Views: 1979

Re: asset allocation -- why bond/stock split first?

Probably one reason bogleheads do it that way is that international bonds have not been embraced enthusiastically.the main predictor of your future net worth is savings rate first, then aa.
by mhalley
Wed Sep 05, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: How to model a portfolio
Replies: 10
Views: 747

Re: How to model a portfolio

Personal capital will give a projected return on a current portfolio and compare it to their suggested portfolio. Looks like they use historical asset class returns as opposed to your specific holdings to generate the projection.
by mhalley
Wed Sep 05, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 31
Views: 2591

Re: Fee only Financial planners

How about the $96 financial plan?
Discussed on doughroller
https://www.doughroller.net/financial-p ... ark-zoril/
Website
http://workshop.planvisionmn.com/
by mhalley
Wed Sep 05, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey actually suggested borrowing money?
Replies: 38
Views: 3734

Re: Dave Ramsey actually suggested borrowing money?

I have occasionally heard him advise take out a loan to replace a loan at an extremely high interest rate.
by mhalley
Wed Sep 05, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Google's secret deal with MasterCard to buy all your CC transactions
Replies: 25
Views: 3086

Re: Google's secret deal with MasterCard to buy all your CC transactions

I gave up on thinking anything I do is private a long time ago.
by mhalley
Wed Sep 05, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: How to correctly determine if Roth IRA need to be backdoor or not?
Replies: 2
Views: 298

Re: How to correctly determine if Roth IRA need to be backdoor or not?

If there is any question about whether you need to do a backdoor vs regular Roth, just do the backdoor. It does not cause any problems that need to be corrected later like contributing directly to a Roth and then your income makes it a no go.
by mhalley
Wed Sep 05, 2018 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Best solution? Individual 401k issues with FA
Replies: 2
Views: 317

Re: Best solution? Individual 401k issues with FA

I know nothing about the ins and outs of individual 401ks, but someone continuing to charge fees should be easy to correct. If it is not, roll it over somewhere else away from the fa’s sticky fingers.
https://www.whitecoatinvestor.com/where ... solo-401k/
by mhalley
Wed Sep 05, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for stability
Replies: 13
Views: 1565

Re: Best Vanguard fund for stability

If you are thinking of changing your retirement asset allocation for a year or two, then you are attempting to time the market. If you feel you need to time the market, then perhaps you have misjudged your risk tolerance. You should revisit your asset allocation, and after careful consideration come...