Today's questions and comments include the following: Another way to fund a child's Roth IRA. Can regular in-service transfers be made from a bad SEP-IRA into a traditional IRA? Does using a margin loan to buy commercial real estate makes sense? Does this simple three-fund portfolio look okay? Can you contribute more than you earn to IRAs and 401ks? How much diversification is needed in a bond portfolio? Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments...