Bogleheads.org

destin

To help, age is 60+ so the penalty won't apply. The total conversion expected is to go from 100% to about 94%/6% traditional/roth and probably stay there. Expect to use funds from roth after traditional ira is finished so at least 20+ yrs time horizon if not longer. Also considering putting more ris...

destin

I'm about ready to convert a Traditional IRA to Roth IRA because I believe the world will be a much richer place in the future compared to now. The tax brackets will be the same. Panning to pay the taxes with the Traditional IRA. But doing some research lately, nearly every single mainstream article...

destin

This is a pretty dense inquiry so I thank anyone who decides to give their thoughts. I have an area in FL where United Healthcare and Humana have comparable Medicare Supplement rate for Part G - today. Aetna and BCBS is higher but have strong name recognition. Can anyone give me their most recent th...

destin

For thoroughness, I entered every drug combination on Silverscript Drug Quotes and the price varied wildly. It got to the point where I asked myself, what is the difference between a Tier 1, 2, and 3 drug when some Tier 3 drugs was quoted cheaper then Tier 2 drugs. I don't understand any of this exc...

destin

I don't know about this year but back in 2017 when I was doing my mothers, I found that by changing the pharmacy and looking at the details, I could get a better deal on one Tier III drug. The deal was better than any of the "Preferred Pharmacies" listed. After I signed her up, I had the ...

destin

I was using the Medicare Part D comparison site to check on which provider had the lowest annual plan cost. The result was the SilverScript Choice (PDP). This story should have ended there. Except I noticed an issue. One of the drugs in the SilverScript Choice plan was a Tier III Generic Drug. The p...

destin

I was warned about talking about economics and global news so I'm not sure how to ask this question. For a diversified portfolio with growth, how do you choose between VT vs VTI (and equivalent) without thinking about economics? What is the Boglehead way to think about these two choices? If I had to...

destin

Vanguard, Fidelity, Schwab - these three are the brokers Bogleheads.org seem to always talk about. I've written a few threads with customer service issues with Vanguard. Fidelity and Schwab maybe somewhat better but I'm not expecting great things from them either. But all three are very big companie...

destin

Update. Went with Fidelity. Everything was done online with Fidelity and the only thing they requested was a copy of the last statement from Computershare. They preferred a newer one but whatever you could provide to prove ownership was acceptable. They quoted 7 days, it was done in 4. Their website...

destin

Based on everything we know about Vanguard, what incentive do they have to improve their customer service? What incentives is everyone pushing for so Vanguard improves its customer service? For comparison, how does this incentive differ from another Pennsylvania company, Comcast, who also promises t...

destin

From the replies here, it looks like Vanguard has a mixed reputation when transferring from Computershare.

Vanguard is requesting a lot of paperwork with 3-4 weeks estimated transfer time. This is a direct registration transfer. It might be better to use another broker for this transfer.

destin

I'm getting ambiguous official answers. Has anyone here transferred shares from Computershare Transfer Agent to Vanguard? How was the process like and what specifically did you have to do to transfer shares? I only get annual statements from Computershare and I'm planning on mailing that, has that b...

destin

You can continue to recharacterize regular contributions from one IRA type to another. Before you request a recharacterization as a TIRA contribution, be totally sure that your modified AGI permits you to deduct it. If you later discover that you cannot deduct it, you cannot recharacterize back to ...

destin

Here's the situation. Tax Year 2017. Vanguard. Made a contribution to Roth IRA in 2018 for 2017. Changed mind and would like the contribution to be done for the Traditional IRA and deduct it for 2017 taxes. I read this on Vanguard's site "A Roth conversion completed after December 31, 2017, can...

destin

Why would any US based buy and hold investor investing in mutual funds/etfs choose IB? I understand if one is trading futures,options,shorting and foriegn markets and utilize their low interest margin rates for leverage makes sense to go with IB. Others here have made the case they aren't citizens ...

destin

I notice I invest in Vanguard is because of their reputation. Reputation from the industry as well as the reputation presented from everyone here. But I used to trust Breyers Ice Cream and people used to trust Freddie and Fannie. I want to try to find ways to be in a fair and objective way similar t...

destin

What are some other IB white label brokers?

destin

How did IB fair the beginning of this month when many brokerage sites stopped working?

destin

I am interested in this as well. Especially how much paperwork hassle is needed when someone close passes away.

destin

In short, communicating with Vanguard Brokerage reminds me of contacting the cable company. Ok, it's not that bad yet but it's getting there. Vanguard Marketing Corporation (the brokerage) is my only contact with Vanguard. The people who run the actual Vanguard funds. The people who make sure the fu...

destin

Compare the Market Capitalization at the end of trading day for AAPL Vanguard 874.91B https://personal.vanguard.com/us/StocksSnapshotSec?Ticker=AAPL Google Finance 871.97B https://finance.google.com/finance?q=AAPL Yahoo Finance 871.969B https://finance.yahoo.com/quote/AAPL?p=AAPL NASDAQ 871,969,134,...

destin

Let's base this discussion on this theory. Tomorrow's large cap stocks are today's mid and small cap stocks. Using general indexing investing methods that exist today, how would you continually follow a group of today's mid or small cap stock when they graduate to large cap? How do these compare to ...

destin

It's 2018. What's everyone's thoughts on this fund? What is your opinion with Tesla being it's #1 holding at 0.9%?

https://personal.vanguard.com/us/funds/ ... =INT#tab=2

destin

For some excitement, what are some ETF's or Mutual Funds out there whose name is completely different from what they are actually invested in?

destin

I'd be surprised if you can find that for under $100,000. All the major brokers I've looked at other than Vanguard have a fee for closing your account by transferring shares to another broker. TD Ameritrade "Apex" had an exception for accounts over $100,000 but it's unclear if that's stil...

destin

To help diversify my IRA holdings, I am looking for a no fee brokerage as a backup for my Vanguard Brokerage Account. This means $0 Transfer Fees, $0 Reorganization Fee, $0 Maintenance Fee, $0 Closing/Death Fees, etc. Straightforward and no hidden fees. Reasonable per Stock/ETF commission is accepta...

destin

Gill is correct. Probating a Will in Florida is not particularly difficult, expensive or burdensome. We probate lots of Wills throughout Florida. The forms are filled electronically. The more important issues are (i) whether to provide for the relative In trust (under his Will) to keep the assets o...

destin

Florida. Elderly gentleman has acquired multiple real estate property over the years. All property is in his name. Managed by 3rd party. Wants to leave it all to a single relative as the beneficiary. Only has a will. Does anyone here know how big a time and money difference would it be to set up a t...

destin

Is this really that difficult to do? The replies here make it sound like it's not very common and shouldn't be common. If someone has a bit of extra work, why can't they ask someone to help them with it for a bit? The ones I've seen have policies which prevent that except I can't figure out why thos...

destin

In the US, it feels like there are two types of jobs. The one to the right is a high stress, high pressure, decent to high income job. The one to the left is the low pay, low salary, low skill job where you might actually pay to work. The middle? I'm uncertain how that is done here. Let's say you ha...

destin

Thank you everyone for these ideas. Completely eliminating the companies I don't want is going to be very hard in index funds but if I can limit my holding of them, that would be great. Manually buying every stock I want would be nice but my expense ratio would skyrocket as well as all the time need...

destin

I'm not sure how everyone has this much confidence in ETFs but I think the real answer is, we don't know. EFT's haven't been tested in extreme market volatility. It's right there in the prospectus next to the flag. So until a major crash happens and some of the "Creation Unit" banks go ba...

destin

I'm not sure how everyone has this much confidence in ETFs but I think the real answer is, we don't know. EFT's haven't been tested in extreme market volatility. It's right there in the prospectus next to the flag. So until a major crash happens and some of the "Creation Unit" banks go ban...

destin

I have good confidence in the US economy. I have good confidence of US companies. I don't have confidence in the future of the following companies Microsoft, Alphabet, Facebook, maybe Apple. I have much stronger confidence in the companies below the top 10. These companies make up a significant port...

destin

What is the Boglehead view on entrepreneurship? How does the Boglehead Theory fit with startups and entrepreneurship? For example, an entrepreneur in the USA might think that opening a small store or restaurant at an under served area would be a good idea. By doing so, they could beat the market by ...

destin

Isn't that what the insurance is for? SVF mentions insurance which implies it's covers it all. The articles I've read barely mention this scenario. So the principal could be loss in a SVF in ways other then insurance company going bankrupt? Yes. You have to read the rules of the fund which are fund...

destin

Mass layoffs, company going bankrupt, or just large aggregate withdrawals for whatever reason would cause the run on the fund scenario. Many SVFs set these up as triggering events. If the event occurs , and the underlying portfolio is under water, redemptions are processed at market value of the un...

destin

Thank You. Wow, some states like Main limits liability to $15,000 of the IRA! I think medical debts can go much higher than that. Most of these products have triggering events (employer goes out of business or has mass layoffs) that allow withdrawals to be processed at the market value of the underl...

destin

I am new to the 401ks. A relative is recently retiring and wanted advice on their 401k. My initial reaction was to advice rolling everything into an IRA. But I was looking up 401k's in the internet and the number one recommendation to keep money there is the Stable Value Fund. The articles seem to p...

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