Search found 39 matches

by destin
Fri Dec 28, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion Paying Taxes with IRA?
Replies: 16
Views: 1083

Re: Roth Conversion Paying Taxes with IRA?

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...
by destin
Fri Dec 28, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion Paying Taxes with IRA?
Replies: 16
Views: 1083

Roth Conversion Paying Taxes with IRA?

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...
by destin
Tue Nov 06, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: UHC vs Humana vs Aetna vs BCBS Medicare Supplement?
Replies: 1
Views: 611

UHC vs Humana vs Aetna vs BCBS Medicare Supplement?

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...
by destin
Tue Nov 06, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Medicare.gov Part D Drug Plan Accuracy?
Replies: 11
Views: 1436

Re: Medicare.gov Part D Drug Plan Accuracy?

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...
by destin
Tue Oct 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Medicare.gov Part D Drug Plan Accuracy?
Replies: 11
Views: 1436

Re: Medicare.gov Part D Drug Plan Accuracy?

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 ...
by destin
Mon Oct 08, 2018 1:59 am
Forum: Personal Consumer Issues
Topic: Medicare.gov Part D Drug Plan Accuracy?
Replies: 11
Views: 1436

Medicare.gov Part D Drug Plan Accuracy?

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...
by destin
Wed May 16, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: How to decide VT vs VTI?
Replies: 6
Views: 9405

How to decide VT vs VTI?

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...
by destin
Wed May 16, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Good Small to Medium Size Affordable Brokers?
Replies: 6
Views: 981

Good Small to Medium Size Affordable Brokers?

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...
by destin
Tue May 15, 2018 3:58 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 26
Views: 13682

Re: Computershare Transfer Question

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...
by destin
Tue May 15, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Improvement Incentive?
Replies: 12
Views: 1800

Vanguard Customer Service Improvement Incentive?

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...
by destin
Thu Apr 26, 2018 1:18 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 26
Views: 13682

Re: Computershare Transfer Question

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.
by destin
Mon Apr 23, 2018 1:52 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 26
Views: 13682

Computershare Transfer Question

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...
by destin
Tue Apr 10, 2018 7:03 am
Forum: Personal Investments
Topic: Can I go from Roth to Traditional in 2018?
Replies: 2
Views: 364

Re: Can I go from Roth to Traditional in 2018?

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 ...
by destin
Mon Apr 09, 2018 9:38 pm
Forum: Personal Investments
Topic: Can I go from Roth to Traditional in 2018?
Replies: 2
Views: 364

Can I go from Roth to Traditional in 2018?

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...
by destin
Wed Feb 28, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 371
Views: 85277

Re: Interactive Brokers (Best Kept Secret)

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 ...
by destin
Tue Feb 27, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard brokerage culture represent the underlying Vanguard fund?
Replies: 11
Views: 1785

Re: Does Vanguard brokerage culture represent the underlying Vanguard fund?

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...
by destin
Tue Feb 27, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 371
Views: 85277

Re: Interactive Brokers (Best Kept Secret)

What are some other IB white label brokers?
by destin
Mon Feb 26, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 371
Views: 85277

Re: Interactive Brokers (Best Kept Secret)

How did IB fair the beginning of this month when many brokerage sites stopped working?
by destin
Mon Feb 26, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 13484

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I am interested in this as well. Especially how much paperwork hassle is needed when someone close passes away.
by destin
Thu Feb 22, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard brokerage culture represent the underlying Vanguard fund?
Replies: 11
Views: 1785

Does Vanguard brokerage culture represent the underlying Vanguard fund?

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...
by destin
Wed Feb 21, 2018 2:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Stock Quote Different?
Replies: 3
Views: 553

Vanguard Stock Quote Different?

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,...
by destin
Mon Feb 19, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: How do you go from midcap to large?
Replies: 6
Views: 826

How do you go from midcap to large?

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 ...
by destin
Mon Feb 19, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Extended Market Index Fund
Replies: 7
Views: 1485

Vanguard Extended Market Index Fund

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
by destin
Mon Feb 19, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Understanding an ETF by it's Name
Replies: 24
Views: 1341

Understanding an ETF by it's Name

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?
by destin
Wed Feb 14, 2018 3:08 pm
Forum: Personal Investments
Topic: Looking for a $0 Fee Brokerage for IRA
Replies: 5
Views: 1078

Re: Looking for a $0 Fee Brokerage for IRA

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...
by destin
Tue Feb 13, 2018 11:57 pm
Forum: Personal Investments
Topic: Looking for a $0 Fee Brokerage for IRA
Replies: 5
Views: 1078

Looking for a $0 Fee Brokerage for IRA

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...
by destin
Mon Jan 29, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Probate Question for FL
Replies: 5
Views: 586

Re: Trust or Probate Question for FL

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...
by destin
Sun Jan 28, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Probate Question for FL
Replies: 5
Views: 586

Trust or Probate Question for FL

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...
by destin
Fri Jan 26, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What kind of skilled casual work is out there (US)?
Replies: 24
Views: 3241

Re: What kind of skilled casual work is out there (US)?

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...
by destin
Fri Jan 26, 2018 4:08 am
Forum: Personal Finance (Not Investing)
Topic: What kind of skilled casual work is out there (US)?
Replies: 24
Views: 3241

What kind of skilled casual work is out there (US)?

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...
by destin
Fri Jan 19, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Investment Options Minus Top 10?
Replies: 20
Views: 1892

Re: Vanguard US Investment Options Minus Top 10?

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...
by destin
Thu Jan 18, 2018 7:36 pm
Forum: Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 61
Views: 7966

Re: Are ETFs Really That Safe?

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...
by destin
Thu Jan 18, 2018 5:43 pm
Forum: Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 61
Views: 7966

Re: Are ETFs Really That Safe?

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...
by destin
Thu Jan 18, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Investment Options Minus Top 10?
Replies: 20
Views: 1892

Vanguard US Investment Options Minus Top 10?

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...
by destin
Thu Jan 04, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Boglehead View on Entrepreneurship?
Replies: 13
Views: 1732

Boglehead View on Entrepreneurship?

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 ...
by destin
Fri Dec 29, 2017 1:59 pm
Forum: Personal Investments
Topic: Stable Value Fund Question
Replies: 21
Views: 2674

Re: Stable Value Fund Question

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...
by destin
Thu Dec 28, 2017 6:13 pm
Forum: Personal Investments
Topic: Stable Value Fund Question
Replies: 21
Views: 2674

Re: Stable Value Fund Question

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...
by destin
Wed Dec 27, 2017 7:54 pm
Forum: Personal Investments
Topic: Stable Value Fund Question
Replies: 21
Views: 2674

Re: Stable Value Fund Question

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...
by destin
Wed Dec 27, 2017 3:34 pm
Forum: Personal Investments
Topic: Stable Value Fund Question
Replies: 21
Views: 2674

Stable Value Fund Question

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...