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Re: Quicken Vanguard redo problems

Indeed, the old Pershing numbers were required, they can be found on 2007 statements. Unfortunately I only have electronic statements going back till 2009 and am not co-located with the old paper statements.

A call to flagship got the numbers and I am about to complete the task :)
by TheGreyingDuke
Fri Sep 19, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 51
Views: 4616

Re: Quicken Vanguard redo problems

Thanks for the tip,it worked a treat!

Now I have the mismatched brokerage accounts, some with old Pershing numbers. Time to call the flagship!
by TheGreyingDuke
Fri Sep 19, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 51
Views: 4616

Quicken Vanguard redo problems

[Thread merged, see below. --admin LadyGeek] I am doing the Vanguard redo thing, when I get to the part of linking a Vanguard account to an existing Quicken account, my IRA type accounts are not offered as an option. How do I link these? (I have tried searching at Quicken and this sort of question ...
by TheGreyingDuke
Fri Sep 19, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 51
Views: 4616

Re: New Laptop, need help

I have bought my last few Thinkpads from the Lenovo outlet site: http://outlet.lenovo.com/outlet_us/ They come with one year warranty and after the purchase you can buy an additional year plus accidental damage coverage for $99. As a frequent traveler that extension makes good sense. There are the c...
by TheGreyingDuke
Tue Sep 16, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2156

Re: Revocable trust

Florida requires that a personal representative (executor) be either a relative or a Florida resident. So if someone's first choice for personal representative isn't either a relative or a personal resident, a revocable trust is the most common workaround. That's the most common reason we might rec...
by TheGreyingDuke
Mon Sep 15, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1048

Re: CIT Bank for savings (thinking of switching)

I have had both a savings account and CDs at CIT for the past year or so. No issues, but then I haven't had any reason to interact with them except to set up the accounts, which was all done online. Easily linked to my local credit union checking account from which I take my living expenses.
by TheGreyingDuke
Sun Sep 14, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: CIT Bank for savings (thinking of switching)
Replies: 1
Views: 161

Sub-leasing an apartment

Let's say I have a one year lease on an apartment, it allows me to sub-lease. I do so but I do not want the tenant to write me a check nor do I want to insure the apartment as a rental property, that is insurance that would cover me as as a landlord.

What are my options here??
by TheGreyingDuke
Thu Sep 11, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Sub-leasing an apartment
Replies: 2
Views: 266

Re: POLL: What was the first stock you ever bought?

1961, I was 13 and I bought 50 shares of Public Service Electric & Gas (NJ) Sold it sometime in the late 80's collected lots of dividends over the years
by TheGreyingDuke
Thu Sep 04, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2801

Re: Thailand/Cambodia Travel Recommendations

That seems like a lot of travel in eight days. Two years ago my wife and I took two weeks to get from the Malaysian border to Bangkok, making our way by local van service and train. Great trip, no big sights to check off the list but got to see a lot, interact with people, sample the great food and ...
by TheGreyingDuke
Wed Sep 03, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Thailand/Cambodia Travel Recommendations
Replies: 22
Views: 1351

Re: How Much For New Windows?

Brick molding is the wood trim that is often used on the exterior of windows.
by TheGreyingDuke
Wed Sep 03, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: How Much For New Windows?
Replies: 32
Views: 1864

Road Trip, New England to Cailfornia

My wife and I are setting out (October 9) on a four week auto trip, followed by two weeks in East Bay and LA. We are renting a car and leaving it there, flying back east in time for Thanksgiving (US). So far we go from Providence, RI (family visit), to NYC (more family), Richmond, VA (yet more famil...
by TheGreyingDuke
Tue Sep 02, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Road Trip, New England to Cailfornia
Replies: 11
Views: 1104

Re: Does anyone have 'Lazy Portfolios'?

[quote="steve r"] like Livesoft, almost never trade and only rebalance on occasion./quote]

Same here and as I enter the decumulation stage I rebalance with strategic withdrawals.
by TheGreyingDuke
Fri Aug 29, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6546

Re: Trip to China

I have spent extensive time in China the past 10 years and the best VPN in recent visits has been here https://pandapow.co/ Servers all over the place, Hong Kong-based and very attuned to things on the Mainland and respond quickly to emails. No connection with them other than a satisfied user, last ...
by TheGreyingDuke
Fri Aug 29, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 761

Re: Are assets split in kind or liquidated on death?

I was in a similar position as you several years ago and in general, I agree with the advice to liquidate and distribute. Depending on the situation you can distribute some of the assets fairly soon, holding on to a residual for taxes, bills, etc. (it is four years since my mother's death and we are...
by TheGreyingDuke
Fri Aug 29, 2014 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Are assets split in kind or liquidated on death?
Replies: 12
Views: 649

Re: Roths and Roth Converstions re tax Planning

Two usual considerations: 1) Make the tax payment from outside money, rather than from the IRA to get the most benefit. 2) Consider the state tax situation, if it applies. Some states, with income tax, do not tax IRA withdrawals while others do. If you contemplate move from one of the former to the ...
by TheGreyingDuke
Thu Aug 28, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roths and Roth Converstions re tax Planning
Replies: 16
Views: 950

TLH in the 15% bracket conundrum(?)

I am retired, 66yo, not collecting SS with adequate resources. Last year I took some losses and now have a carryover of about $30k. I have, for the past few years maxed out the 15% bracket with IRA conversions but will probably not do so this year as we are contemplating a move to NY, which exempts ...
by TheGreyingDuke
Thu Aug 28, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: TLH in the 15% bracket conundrum(?)
Replies: 4
Views: 462

Re: Schwab Windhaven Funds vs Vanguard 3 Funds

Not sure what the issue is with being "overseas". I have made about 10 extended trips to China the past eight years or so, each visit from 2-6 months and always told my Flagship rep that I was going there and how to communicate with me if necessary. They even reimbursed me for an overnight...
by TheGreyingDuke
Thu Aug 28, 2014 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Windhaven Funds vs Vanguard 3 Funds
Replies: 22
Views: 2243

Re: Garden 2014 - late summer report

KimChi is being made as we speak I've always wanted to make this. Care to share your favourite recipe? http://www.maangchi.com/recipes/kimchi Many varieties here, I omit the various fish she uses, use fish sauce from the Asian market. You will need the special Korean pepper, ground medium, that she...
by TheGreyingDuke
Mon Aug 25, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 796

Re: Garden 2014 - late summer report

The report from Northern Vermont... the best gardening in years. Not too hot, not too cool, only two nights into the 40's during July-August. Nightshades are pumping out tons of fruit, cucurbits are busting through the fence, the corn is over 7 feet tall, and the brassicas are huge, beans are all ov...
by TheGreyingDuke
Mon Aug 25, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 796

Re: Global entry and Nexus (not the phone)

I have my global entry interview next week. I got a letter telling me to bring a copy of the letter, passport and drivers license to the interview. Is there anything else I need to bring to the interview?Thanks I was almost on the road when I realized I did not have the letter, went back home and p...
by TheGreyingDuke
Thu Aug 21, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1112

Global entry and Nexus (not the phone)

I am just back from my interview for Global Entry; I belatedly found out that if you apply for NEXUS (this is to facilitate crossing from the US to Canada) you are automatically granted Global Entry. It was really NEXUS that I was after so when I got to the interview I asked if I could switch to the...
by TheGreyingDuke
Thu Aug 21, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1112

Re: Kaiser vs Blue Shield

Given a choice, I'd go with Anthem BCBS over Kaiser and did I mention better doctors? Not sure how you evaluated that they were "better doctors". Research has shown that individuals are not very good at assessing the quality of their clinicians; they tend to focus on bedside manner (which...
by TheGreyingDuke
Wed Aug 20, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5537

Mortgage or pay cash

I am posting on behalf of my son and his wife... They are mid-30's, currently without offspring, and looking to purchase a first house. They are both tenure track professors and thus guaranteed employment at least the next three or four years, likely longer. Their lifestyle is modest. Combined incom...
by TheGreyingDuke
Sun Aug 17, 2014 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage or pay cash
Replies: 9
Views: 1174

Re: Best Place to Do Research on Orthopedic Surgeons

I also wouldn't put too much weight on online reviews. Many very good surgeons have zero bedside manner, but I'd still go to them for their technical expertise. -K There is ample research out there that verifies that patient satisfaction is often related to things such as: - Was I kept waiting for ...
by TheGreyingDuke
Thu Aug 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1857

Re: Which 4 door with 250+ hp

I think the road test's 0-60 times are mostly irrelevant to the everyday consumer. These are high rev launches, wheels just this side of spinning and very brutal on the drive train. For me the times that are more relevant are 45-70 (for passing on two lane roads) and 30-75 for merging onto an inters...
by TheGreyingDuke
Sun Aug 10, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8003

Top Tier gas or ethanol free (premium)

I drive a VW with the 2.0 TSI engine, it requires 91 octane (as measured in the US). I am torn between Top Tier gas http://www.toptiergas.com/retailers.html or ethanol free. I like the higher detergency that the top tier offers me, but I like the better mileage I get with the corn-free fuel. I have ...
by TheGreyingDuke
Sat Aug 09, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Top Tier gas or ethanol free (premium)
Replies: 3
Views: 508

Re: Which 4 door with 250+ hp

VW GTI with the six speed. Great engine, room for four real sized people and a hatchback. They hold their value, they are a real hoot to drive and you can afford the extra costs (maintenance and premium fuel.) Enjoy life, this will cost you maybe an extra 2-3 cents a mile over the soulless (but econ...
by TheGreyingDuke
Sat Aug 09, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8003

Re: Is Medigap insurance really needed?

... One example was a bill for $81,000 for an outpatient radiation treatment (!) from University of California, SF. Medicare paid its share and then sent the balance to Aetna. This gets a little bizarre as Aetna's agreement with UCSF has them paying $149,000 for the same procedure and they base the...
by TheGreyingDuke
Wed Aug 06, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4343

Re: Is Medigap insurance really needed?

mur44 wrote:nisiprius,

If one have Medicare Parts A, B and D (no medigap),
there is NO OOP (Out Of Pocket) limit. This
Medicare insurance (A, B and D) setup is for
'healthy' (yours and your family) individuals.

But, there are several 'tricks' one can use to
minimize OOP expenses.

:?: :?: :?:
by TheGreyingDuke
Mon Aug 04, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4343

Re: Is Medigap insurance really needed?

It could be a LOT more costly. If you're discovered to have a serious medical condition or illness you might not be able to find a Medigap insurer who will accept you. Are you saying that Medigap insurers can still screen for pre-existing conditions ? I thought the ACA did away with all that. Not d...
by TheGreyingDuke
Mon Aug 04, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4343

Re: Sensible planning for MediGap choices given price disper

Things that might concern the pruchaser of a non-Medicare plan are not relevant to Medigap. For example, the question of networks is irrelevant, if it is a medicare provider the medigap plan will cover it. I bought the cheapest high deductible F plan I could find, they actually sent someone to my ho...
by TheGreyingDuke
Mon Aug 04, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Sensible planning for MediGap choices given price dispersion
Replies: 18
Views: 635

Re: Is Medigap insurance really needed?

mur44, if you have only traditional Medicare--parts A, B, and let's say D, but no supplemental (Medigap) or Medicare Advantage--is there ANY upper limit to the amount you might have to pay in part B co-pays? I don't have the definitive answer but I am taking care of the medical bills for a friend w...
by TheGreyingDuke
Mon Aug 04, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4343

Re: helping my mom invest

She cannot collect on her ex-spouse's benefit as she as re-married, unless the current marriage ends by death or divorce.

http://www.ssa.gov/retire2/yourdivspouse.htm
by TheGreyingDuke
Sat Aug 02, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: helping my mom invest
Replies: 12
Views: 1080

Re: Where is your brokerage account?

I have a brokerage at Vanguard for my ETFs (which will eventually be Admiral MFs) in a Roth IRA. You should keep in mind that while going from MF to ETFs is not a taxable evnt, going from ETF to mutual fund (Admiral or otherwise) IS. :( Can I convert my conventional Vanguard mutual fund shares to V...
by TheGreyingDuke
Fri Jul 25, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2731

Re: Treasury Direct--just blowing off steam

Early on in this thread, there was a mention to give them a call; I have found, on two occasions, a very helpful and eager to please staff person on the other end of the line. If I recall, you request a call on the web site and they call you back. Anyone with a confusing problem should give this a t...
by TheGreyingDuke
Fri Jul 25, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4228

Re: Lawyer Up? Advice Needed

Be assured that HIV cannot live outside of the body for more than minutes, maybe hours in an extreme case. Search on "HIV fragile" and you will find many references, http://www.afanlv.org/index.php%3Foption%3Dcom_content%26view%3Darticle%26id%3D89:how-long-does-the-virus-live-outside-the-b...
by TheGreyingDuke
Thu Jul 24, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3423

Re: Gardening question

Take a bucket and half ill it with some soil mix. Then mix in the water, stirring it to be absorbed. Once it is moist all the way through, you can use it as you wish. It will not "repel" water using this technique.
by TheGreyingDuke
Thu Jul 24, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Gardening question
Replies: 6
Views: 689

Re: Estate Trustee requests I "waive presentation of account

Not legal advice, but here goes... I (along with my sister) was executor and trustee of both my parents' wills/trusts. Lawyer also suggested getting waiver which we followed. I did send a copy of the final Vanguard statements (95% of their assets) to the beneficiaries which in addition to the two of...
by TheGreyingDuke
Thu Jul 24, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Trustee requests I "waive presentation of accounting"
Replies: 10
Views: 1379

Re: Best Used Recreational Bicycles for New Riders

I am in the buy a used bike, see that it is setup properly AND... Make sure it fits you. The trouble with Costco/Walmart/Dicks/ etc is that they do not have much choice in frame size. The length of the seat tube and top tube are essential for feeling comfortable on a bike. I guarantee you that if th...
by TheGreyingDuke
Tue Jul 22, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 26
Views: 2316

Re: Poll - Do you use Quicken?

Not sure how I could have overlooked this in an earlier post, but Quicken and Advantage checking accounts do not play nice. I assess that the problem is on Vanguard's end and they have offered nothing to alleviate the problem (not sure if the mooted combining of brokerage and mutual fund accounts wi...
by TheGreyingDuke
Tue Jul 22, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5194

Re: Poll - Do you use Quicken?

I started using Quicken in DOS days, it seemed a treat. Over the years it started to get overloaded and when various financial sites allowed me to enter "outside investments", I ditched Quicken. Never was one to budget or track expenses, spend what is needed, save the rest. Fast forward ei...
by TheGreyingDuke
Mon Jul 21, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5194

Re: The ultimate Boglehead exercise

The Seven minute routine, especially if you do it x2 or x3 works well for me.
http://well.blogs.nytimes.com/2013/05/09/the-scientific-7-minute-workout/

There are apps for your phone/tablet that show the exercise and have a timer, try it!
by TheGreyingDuke
Sun Jul 20, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3833

Re: If you own a car, do you have a car payment?

I have owned around 55 cars since 1965, none of them were purchased with borrowed $$. :happy First purchase, in 1965, was a 1960 Renault Dauphine, 3 speed, 32 horsepower, and would hit 65 mph with a good tail wind, $200. Most recent purchase, in 2012, was a 2009 Jetta Sportswagen (2.0 Turbo), $15k, ...
by TheGreyingDuke
Fri Jul 18, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7446

Re: Should I buy a new(er) car, and if so what?

Don't try to economize on tires. Buy good ones (if not top brand), and don't delay. You do a lot of miles. Those 4 bits of rubber and steel are *all* you have between you and a blowout or crash due to loss of traction. You can never (well, hardly ever) spend too much on tires and brakes. Not to buy...
by TheGreyingDuke
Thu Jul 17, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a new(er) car, and if so what?
Replies: 19
Views: 2000

Re: mom wants to "sell" me her condo for estate planning

LadyGeek wrote:We're straying into a discussion about the Medicare 5-year lookback period, some background info is here: How Can I Safely Transfer My Assets to Get Medicaid to Pay for Long-Term Care?


Just to keep it clear, we are talking about Medicaid lookback, Medicare has no such mechanism
by TheGreyingDuke
Sun Jul 13, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: mom wants to "sell" me her condo for estate planning
Replies: 23
Views: 3038

Re: Karen, single, 61, $2 million.

She is single, so at FRA, she should plan to file and suspend SS as discussed elsewhere on the forum.. I have read the many lengthy threads on SS and I still am haunted by the thought that I am leaving something on the table, so indulge me here. How does file and suspend advantage her as opposed to...
by TheGreyingDuke
Fri Jul 11, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3796

Re: Treasury Direct error, MINE!

I won't bother you with "why did you do this"? Can't you just close out 4 of them for eternity and return to a more regular situation? I was wanting 4 accounts so that I could make $40k purchases each year; in addition, there is no "closing out" the accounts as long as they hold...
by TheGreyingDuke
Thu Jul 10, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct error, MINE!
Replies: 7
Views: 945

Re: Treasury Direct error, MINE!

If #3 and #5 are the same entity, I'd just stop purchasing in one of them and call it a day. I don't have as good of google skills as sscritic when looking through the treasurydirect website, but I came across this thread from a year ago so I'd read through it and decide for yourself on what you sh...
by TheGreyingDuke
Thu Jul 10, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct error, MINE!
Replies: 7
Views: 945

Treasury Direct error, MINE!

Somehow I managed to setup five accounts at Treasury Direct: #1) TheGreying Duke #2 The GreyingDuke spouse #3 The GreyingDuke, Greying Duke spouse trustees for the GreyingDuke trust #4 The GreyingDuke, Greying Duke spouse trustees for the Greying Duke spouse trust #5 The Greying Duke, trustee, Greyi...
by TheGreyingDuke
Thu Jul 10, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct error, MINE!
Replies: 7
Views: 945

Re: Decumulation accounts, Open Fidelity Cash MGT?

For years I have used the Vanguard Advantage account as my day to day checking account. BUT... it has been a bear to use this within Quicken, crazy numbers appear, not very usual checking account terminology is used and I have had conversations with Vanguard over years to see if they could assist; a...
by TheGreyingDuke
Fri Jul 04, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 832
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