Search found 351 matches

by nyblitz
Mon Oct 30, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: 529 rollover to prepaid warning/help
Replies: 0
Views: 140

529 rollover to prepaid warning/help

Hi Bogleheads! Have considered Florida prepaid for several years and have finally opened accounts for 2 children. The way it works is you set up an account first and then fund it later. I guess most families fund with periodic payments. I've set ours up with a lump sum contribution (~29 k each) and ...
by nyblitz
Wed Oct 04, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2759

Re: camping trailer...need to change vehicle?

OP here: Thanks for the many helpful replies here! Many things to think about and this is far more complicated than I anticipated. My wife hopes we can successfully do this with a 17 Cassita and a Jeep and will make this work if it is possible. I think our family can do the Cassita for weeks on end ...
by nyblitz
Mon Oct 02, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2759

Re: camping trailer...need to change vehicle?

OP here - thanks for the many replies. Our Sienna is a 2012 and only a V4, sticker on side says towing capacity is 1255. Our plan is to look at routes and book them while continuing to research. Unless we learn something new, the plan would be to purchase the vehicle and then trailer in Jan 2018 (ba...
by nyblitz
Sun Oct 01, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2759

camping trailer...need to change vehicle?

Hi Bogleheads, We are considering taking the family (2 adults, 2 boys ages 6 and 8) on several months-long camping adventure to Dakotas/Wyoming/Montana/Colorado next summer and then further west for summer of 2019. Tent camping last month was a lot of fun, but also a lot of work. So we are looking i...
by nyblitz
Mon May 08, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 7830

Re: A Boglehead Guide to Buying Individual Stocks

Best resource for buying individual stocks here is to search for posts authored by Wagnerjb, also known as Andy.
by nyblitz
Fri Apr 21, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 43164

Re: Larry Swedroe says "Goodby."

Thank you for your help, Larry. Many of your books are on my bookshelf and I've gone back to re-read sections dozens of times (especially "The Only Guide...You'll Ever Need" series). Your contributions on this site will be missed. All the best with your family and future endeavors. And of course, th...
by nyblitz
Wed Mar 15, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: EFV Fidelity
Replies: 2
Views: 317

EFV Fidelity

Just an FYI - was looking through the Fidelity website and at some point EFV was added to their commission-free ETF list.

EFV is MSCI EAFE international value.
by nyblitz
Wed Feb 22, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: behavior and bogleheads wiki page on passively owning individual stocks
Replies: 10
Views: 1144

Re: behavior and bogleheads wiki page on passively owning individual stocks

Hi Printer,

Highly recommend searching for and reading everything Andy (Wagnerjb) writes, if you chose to invest in individual stocks.

He is a VERY knowledgable poster, and especially in this space.
by nyblitz
Tue Jan 31, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 23
Views: 4444

Re: GEICO discount for Berkshire Hathaway shareholders

Pretty certain the discount is available dependent on the state.

For example, if you live in Florida, there is no discount.

I'd call and check if the discount would apply to you before purchasing the stock. :-)
by nyblitz
Thu Dec 15, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 20310

Re: Sallie Mae Rewards MC being discontinued

Sad news.

Will miss this card. :(
by nyblitz
Thu Dec 15, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Cycling power meters
Replies: 23
Views: 2391

Re: Cycling power meters

Thanks, Dieharder, for asking this question.

I've been curious to Boglehead thoughts on this.

Thanks also to those who are responding.
by nyblitz
Wed Nov 30, 2016 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 6464

Re: livesoft is almost at 50,000 posts...

Livesoft is an awesome poster here. He has a unique way of looking at things and expresses them very well. He often makes me laugh. He has helped me with my marriage, children, job, neighbors, pets, cars, exercise, travel, houses, finances (well, it IS a financial website, so I guess that's a given)...
by nyblitz
Wed Nov 30, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity DAF contribution experience
Replies: 14
Views: 880

Re: Fidelity DAF contribution experience

Inbox788,

Your link there was very helpful. Thanks!

I posted my recent experience at the end of this thread:

viewtopic.php?f=2&t=194840&newpost=3132143
by nyblitz
Wed Nov 30, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Livesoft's point 10 - charity donations from WF
Replies: 5
Views: 1136

Re: Livesoft's point 10 - charity donations from WF

Reporting back. Filled out Fidelity's paperwork, as it was easier to access for me. Went to Fidelity branch and the rep looked it over and said it looked fine. Went to WF and they said it should be fine (but didn't look it over in detail). Went back to Fidelity (the offices were in the same building...
by nyblitz
Wed Nov 30, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity DAF contribution experience
Replies: 14
Views: 880

Re: Fidelity DAF contribution experience

My donations have been from WellsTrade and have been stock. Hold off on the rocks, I follow Andy (Wagnerjb) in this space, and am not trying to convert anyone. The last one took 2.5 months. This one is over a week and my wife is now frequently asking me when it will hit so she can do her yearly budg...
by nyblitz
Wed Nov 30, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity DAF contribution experience
Replies: 14
Views: 880

Re: Fidelity DAF contribution experience

Livesoft, Thanks for the reply! Which form do you use for WellsTrade? When I search here, nothing seems fit: m My experience regarding transferring from WellsTrade to Fido DAF is, um, markedly different than yours. Last attempt was going to Fido and Wells Fargo branches (they are even in the same bu...
by nyblitz
Wed Nov 30, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity DAF contribution experience
Replies: 14
Views: 880

Fidelity DAF contribution experience

How easy is donating shares to a Fidelity DAF from: a) Fidelity brokerage and/or b) non-Fidelity brokerages? Specifically, looking for experiences with how long the paperwork takes to complete, how long the actual transfer process takes, and if there are difficulties (needing to re-send forms, etc.)...
by nyblitz
Thu Jul 28, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Sell individual corporate bonds to pay off mortgage?
Replies: 27
Views: 1842

Re: Sell individual corporate bonds to pay off mortgage?

ScroogeMcDuck, I think your plan here is reasonable. It's a complex question and you could go in many different directions. Two other things to consider: 1. With the "unreliable"(yet high) income and thoughts of taking a break in employment, what are the chances you may sell the house to m...
by nyblitz
Wed Jul 27, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Sell individual corporate bonds to pay off mortgage?
Replies: 27
Views: 1842

Re: Sell individual corporate bonds to pay off mortgage?

Shouldn't the discount for a possible call be less than a definite call? The discount will be what the market will pay. Individual corporates are traditionally relatively illiquid for individual investors. Just pointing out that the current circumstances may make them more illiquid (if there is a c...
by nyblitz
Wed Jul 27, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Sell individual corporate bonds to pay off mortgage?
Replies: 27
Views: 1842

Re: Sell individual corporate bonds to pay off mortgage?

Those bonds may well be called (especially the higher interest rate).

All experienced 2ndary market purchases will know this and further discount your bonds.

Are your bonds in round lots?

In your shoes, I'd hold to maturity, hoping for a call - you may not have to do anything to get your money. :-)
by nyblitz
Wed Jul 20, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank - TD Ameritrade charging commission.
Replies: 17
Views: 1828

Re: HSA Bank - TD Ameritrade charging commission.

Glad it all worked out!

Good decision to call.
by nyblitz
Wed Jul 20, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank - TD Ameritrade charging commission.
Replies: 17
Views: 1828

Re: HSA Bank - TD Ameritrade charging commission.

My wife finally obtained her paperwork for her new HSA linked to TD Ameritrade and our welcome packet arrived in the mail today. So for others - to enroll, type "commission-free ETF" in the symbol lockup box. Three links appear and the top one reads "Commission-Free ETFs". Click ...
by nyblitz
Tue Jul 19, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Would you buy brokered CD's in a 401k brokerage?
Replies: 8
Views: 661

Re: Would you buy brokered CD's in a 401k brokerage?

Great - 2 votes for "yes". Thanks! Will look into this more. Correct, I wouldn't go "completely" to brokered cd's. Will have plenty of other fixed income to rebalance. Main concern is this --> I don't want to sell into secondary market in an unfavorable environment. But the risk ...
by nyblitz
Tue Jul 19, 2016 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Would you buy brokered CD's in a 401k brokerage?
Replies: 8
Views: 661

Would you buy brokered CD's in a 401k brokerage?

With the very interesting recent threads on fixed income, I'm again circling around and looking at CD's. The trouble is they would best fit in my 401k Fidelity brokerage account, so they would be brokered CD's which are sold to other investors (at likely a loss) rather than pay early withdrawal pena...
by nyblitz
Tue Jul 19, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank - TD Ameritrade charging commission.
Replies: 17
Views: 1828

Re: HSA Bank - TD Ameritrade charging commission.

On my reading of others' experiences, you need to search TD's website for a link about commission free trades to sign up for the free trades.

Otherwise they will charge you.
by nyblitz
Thu Jul 07, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Livesoft's point 10 - charity donations from WF
Replies: 5
Views: 1136

Re: Livesoft's point 10 - charity donations from WF

Livesoft, Agree on WF's UI. Also wish they hadn't messed with it. Will open a TD account soon as well for new HSA. Thanks for the write up and the tips about TD's offices (need to see if there are local offices to me) and level II quotes. WF 1099 doesn't import to H&R? Investing - did not know t...
by nyblitz
Thu Jul 07, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Fido reduces 529 fees - very competitive
Replies: 7
Views: 601

Re: Fido reduces 529 fees - very competitive

Mikep, Some do (I think), but you can select individual portfolios to hold fidelity index funds. Total stock, international stock, the 500 index, a money market, and treasuries. At least that's what I've seen so far. That's what I will do in the next week or so. I only briefly looked at the multi as...
by nyblitz
Thu Jul 07, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Livesoft's point 10 - charity donations from WF
Replies: 5
Views: 1136

Re: Livesoft's point 10 - charity donations from WF

Ok, I'll be the guinea pig on this one and report back. Will do so in September though. So curious -is Livesoft's best broker TD or WF? Thanks again! edited - must have read Livesoft's response too quickly as it now appears different than I recalled. Maybe I'll do 1 of each (office / scan form via P...
by nyblitz
Thu Jul 07, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Livesoft's point 10 - charity donations from WF
Replies: 5
Views: 1136

Livesoft's point 10 - charity donations from WF

Livesoft, Your point 10 from the following thread was very interesting: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=194825&newpost=2969296 Is it easy to go into Wells Fargo branch to direct donations of stock to charity? I've done it before (to a Fidelity DAF) and it required multip...
by nyblitz
Thu Jul 07, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Fido reduces 529 fees - very competitive
Replies: 7
Views: 601

Fido reduces 529 fees - very competitive

Greetings, Just happened to be rechecking various 529 expenses (looking to fund a new account recently) and found Fidelity has significantly cut their expenses. Didn't see it discussed here and searched and found: m®-Cuts-Expenses-529-College-Saving The total market fund appears to be equal to Cali'...
by nyblitz
Mon Jun 20, 2016 8:51 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 6704

Re: John Bogle Webinar at Vanguard

Thanks for including the link - thought it would be a few weeks before this was out, and I was sorry to have missed it live.

And of course - Many thanks to John Bogle!
by nyblitz
Wed Jun 01, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 9693

Re: Thank you Taylor Larimore

I first learned about Taylor Larimore from the old Morningstar board where I read a thread in which a former military person who was "asking for help" was just downright awful to Taylor. This poster was increasingly inflammatory, rude, and insulting with each post. As Taylor continued to c...
by nyblitz
Fri Jan 08, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: VCIT or VCSH
Replies: 4
Views: 1096

Re: VCIT or VCSH

Either would be a great choices. Maybe some of each?

As you mention Fidelity, LQD may also be a good option to consider.

Good luck!
by nyblitz
Mon Dec 14, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Outraged with John Hancock
Replies: 39
Views: 5928

Re: Outraged with John Hancock

I did what Livesoft suggested and reversed it when I was fully vested and able to move everything to a brokerage window. JH has a lot to be desired in terms of their costs. [Thanks again for the idea, Livesoft!] There are ways to put into tax-advantaged accounts: 529s and ibonds, for example. We cho...
by nyblitz
Fri Nov 13, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: FEHB January 1-10 insurance gap
Replies: 10
Views: 1332

Re: FEHB January 1-10 insurance gap

Can you still retro-actively use COBRA for such a short time? Not sure if that is still an option with PPACA.
by nyblitz
Thu Nov 12, 2015 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HD plan and FedVIP Dental - Federal employee open season question
Replies: 8
Views: 1363

Re: GEHA HD plan and FedVIP Dental - Federal employee open season question

Mako, Thanks for pointing out the detailed sections, especially from GEHA. As you state, p. 38 (GEHA) says: "Benefits in this Section are covered in full if rendered by preferred providers. Preventive services from a non-preferred provider would be applied to your calendar year deductible and p...
by nyblitz
Thu Nov 12, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HD plan and FedVIP Dental - Federal employee open season question
Replies: 8
Views: 1363

Re: GEHA HD plan and FedVIP Dental - Federal employee open season question

Kazper, Thanks for answering - you've been helpful in this and other threads! To clarify (and I don't think I did initially) GEHA is out of network, but the FedVIP Dental plan insurance would be IN network. If this is the case (I get headaches and hassles with 2 insurances), it may become GEHA + no ...
by nyblitz
Thu Nov 12, 2015 11:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA Employee + Employer Contribution Limit
Replies: 6
Views: 698

Re: HSA Employee + Employer Contribution Limit

Yes, my understanding is the limit is for the total of employee and employer, so you'd have to reduce your contribution.
by nyblitz
Thu Nov 12, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HD plan and FedVIP Dental - Federal employee open season question
Replies: 8
Views: 1363

GEHA HD plan and FedVIP Dental - Federal employee open season question

Greetings, After the ENORMOUS amount of advice from this forum, as well as working through spreadsheets, the GEHA HD plan makes the most sense for my family. Thanks! Fortunately, GEHA provides partial dental coverage for 2016 and it appears that they must be the First Payer. Unfortunately, my childr...
by nyblitz
Sun Oct 18, 2015 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction and debt vs asset ratio question
Replies: 19
Views: 1525

Re: Introduction and debt vs asset ratio question

It always amazes me to see the cost of Bay Area housing.

Any chance you could sell the house and rent for awhile?

Would clear out nearly all your debt.

Understand that is not easy with children though.
by nyblitz
Sun Oct 18, 2015 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting combined with capital gains gifting?
Replies: 8
Views: 983

Re: Tax Loss Harvesting combined with capital gains gifting?

I don't know of a way to automate this.

Some advanced topics to research, which may really help are donor advised funds and bunching of deductions.

Livesoft has really helped me with this over the years - a search with his name should be high yield.

Btw, thanks, Livesoft!
by nyblitz
Tue Jun 30, 2015 7:35 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 31904

Emergdoc on Mr. Money Mustache

Greetings,

Realize Mr. Money Mustache has generated lots of interest and opinions here in the past.

Emergdoc has (in my opinion) a well-written article that I enjoyed reading and wanted to share.

http://whitecoatinvestor.com/what-mr-mo ... and-wrong/

Thanks, Emergdoc!
by nyblitz
Thu Feb 19, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Eek - I was terminated!! Quick Questions
Replies: 21
Views: 3639

Re: Eek - I was terminated!! Quick Questions

Before leaving Great West / Empower, you may want to check if they have a stable value option and if so, what interest rate. Some find these funds attractive when comparable fixed income has either low rates or high risk (or both).

Something to consider...

Best of luck!
by nyblitz
Mon Dec 01, 2014 10:29 am
Forum: Investing - Help with Personal Investments
Topic: VTRIX vs. EFV for International Large Value
Replies: 10
Views: 2196

Re: VTRIX vs. EFV for International Large Value

Few points: 1. EFV is not one of the 70 "commission free" iShares. 2. When mixing Vanguard and iShares international (domestic and emerging) be aware there respective indexes treat a few countries differently. So you can be under or over exposed to a particular country and not realize it. ...
by nyblitz
Sat Aug 09, 2014 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Bond as Gift
Replies: 3
Views: 511

Foreign Bond as Gift

Bogleheads, For a birthday gift for my son (he is 4), my mother in law has purchased an individual foreign bond and designated my wife as the owner. The "fiscal agent" is Computershare Trust Company. It was a thoughtful idea, but creates 2 frustrations: 1. Computershare (do not have a rela...
by nyblitz
Wed Jul 30, 2014 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond ETFs do you have?
Replies: 19
Views: 2475

Re: Which bond ETFs do you have?

ief, in an IRA.

As it holds nearly solely treasuries and has a high volume, it should be relatively liquid (as far as bond ETF's go) in a downturn.

It seems to mesh well with the rest of my fixed income.
by nyblitz
Tue Mar 18, 2014 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I keep my American Funds?
Replies: 19
Views: 2309

Re: Should I keep my American Funds?

Agree with above. Sell. Move to Vanguard. Very happy when I was able to roll 401k to an IRA as it was dominated by AF's.

Good luck.
by nyblitz
Tue Mar 18, 2014 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 1052

Re: Federal Government Health Insurance Question

Thanks for the excellent replies. @ rokidtoo - Those are some pretty cool links. We have some work to do! Thanks! @ tacster - congrats on the retirement! Out of curiosity, which plan have you selected? @ AnimalCrackers - that is pretty easy to determine but I would've overlooked it. Thanks! @ at eas...
by nyblitz
Mon Mar 17, 2014 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 1052

Federal Government Health Insurance Question

Greetings! My spouse will soon start employment with the federal government for part-time (o.5 FTE) and will be eligible for FEHB (health insurance). My understanding is that for full-time employees, the employee is responsible for all premiums above the Government's contribution, which is "usu...