Search found 212 matches

by Naikansha
Mon Jul 04, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2160

Re: TIAA Real Estate vs. Vanguard REITS

No chart available, it says. Same for Morningstar and Yahoo finance (as of Saturday).
by Naikansha
Sun Jul 03, 2016 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2160

Re: TIAA Real Estate vs. Vanguard REITS

Regarding my original comment about volatility, I tried to create a comparative chart showing the behavior of these two funds over time. However, I couldn't find any QREARX chart to compare with the long term behavior of the Vanguard fund. Anyone have an idea about why this is the case?
by Naikansha
Sun Jul 03, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2160

Re: TIAA Real Estate vs. Vanguard REITS

sorry, it should be QREARX, less volatile.
by Naikansha
Sat Jul 02, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2160

Re: TIAA Real Estate vs. Vanguard REITS

AValpert: As a non-diversified fund, TIREX should be particularly susceptible to changes in real estate values. The Total Stock Fund should be less volatile when a particular type of asset is affected by such valuation changes but this is not to say that there is never any volatility with this fund ...
by Naikansha
Fri Jul 01, 2016 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2160

Re: TIAA Real Estate vs. Vanguard REITS

They have included REITS in this fund for some time. Tax consequences are different for REITS and real estate property for both owners and sellers. Have they withdrawn those REIT investments recently? Sorry if I have not paid attention as I have been away from this fund for a number of years.
by Naikansha
Fri Jul 01, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: As a new investor that is still learning I am making it through Brexit!
Replies: 31
Views: 2955

Re: As a new investor that is still learning I am making it through Brexit!

Ulysses Contract: Tie yourself to the mast (or your canoe stern ) before you paddle past the sirens.
by Naikansha
Fri Jul 01, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: after tax 401k contributions?
Replies: 19
Views: 1039

Re: after tax 401k contributions?

Saving more is a great idea but I wouldn't recommend using your 401k. The more you have in that account (or an IRA), the higher is your required minimum distribution and the 28% taxes you will pay for THAT after 70 1/2. Your taxable account allows you to sell stock (or funds) at a 15% tax, lower tha...
by Naikansha
Fri Jul 01, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2160

Re: TIAA Real Estate vs. Vanguard REITS

Years ago before retirement I had a 403B in TIAA real estate. This did very well until real estate began to fall. By that time TIAA had already added REITs to their fund, which also enabled greater volatility. When I began to prepare for retirement, I rolled over this account to Vanguard where good ...
by Naikansha
Tue Jun 21, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips
Replies: 65
Views: 4781

Re: NY Times Op-Ed: Pension Holders Need a New Retirement Plan, Not Stock Tips

Today's Morningstar Christine Benz interview with Michael Kitces discusses the positive and negative issues regarding the new Fiduciary Rule established by the Department of Labor, covering investment advisors. Of particular interest is that the DOL could only legitimately cover retirement accounts,...
by Naikansha
Mon May 23, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 6767

Re: How to stop MS loading Windows 10?

Windows 10 was being automatically downloaded early this morning. However, when it came to the 'license agreement' at the end I could decline, and this led to Windows 7 being restored. So far the only problem was my modem connection was deleted; I had to restore my connection using the modem pin.
by Naikansha
Sun May 08, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10966

Re: Is buying organic really that expensive?

Not all farmers are able to acquire the 'Organic' label due to certain federal and state requirements they may be unable to meet but more frequently small scale farmers are growing sustainably without chemicals. Sustainability has much to do with the development and maintenance of good soil over tim...
by Naikansha
Tue May 03, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Women business clothes - what brands make the right impression?
Replies: 64
Views: 6428

Re: Women business clothes - what brands make the right impression?

I agree that well made clothing will last for many years and you can update things with a new belt, jewelry, and especially scarves. Once you find what you like and what looks and fits well, you most likely will find them on ebay for far less, where you can buy and return (in most cases) if they don...
by Naikansha
Fri Jan 29, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 3127

Re: Most efficient way to improve my writing ability?

Many academic programs organize student conferences which are excellent occasions for presenting a paper and answer questions from the people attending. This is a very good way to practice writing and to learn what you need to do better if you find that others can't understand you very well. I agree...
by Naikansha
Sat Oct 03, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 5624

Re: Formal Dinnerware

] . [quote]She wants something with a silver band around the edge.[/quote] Anything with gold or silver on it must be washed by hand as a dishwasher will eventually destroy the finish. If you want something of good quality that you could use more than just for these parties, I recommend Ceralene or ...
by Naikansha
Thu Oct 01, 2015 2:07 pm
Forum: Investing - Theory, News & General
Topic: IBT interview with Dr. Bill Bernstein
Replies: 80
Views: 7760

Re: IBT interview with Dr. Bill Bernstein

The calculation suggested by Dr. Bernstein for making a house purchase must also include an estimate of what someone would need for restoring the property. A young couple seeing how low a tolerable purchase price would be using Dr. Bernstein's method must think carefully about what property selling ...
by Naikansha
Thu Oct 01, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Any problem with paying off credit cards in full always?
Replies: 52
Views: 5659

Re: Any problem with paying off credit cards in full always?

Paying off your credit cards each month in full is a habit that will do you well over the long run. I have been doing this for many years, and am able to see how much more I could save by lowering my expenses or, if it is always very easy to pay them off, I put something aside in my rainy day saving...
by Naikansha
Sun Oct 12, 2014 9:35 pm
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 15057

Re: What have you done to cut costs this year?

[quote="sailfish2"][quote="investor1"][quote="TRC"] I buy a lot of clothing and shoes on Ebay (even nice designer brands) for way less than at the store.[/quote] Getting out of my ebay membership saves me a lot as I am no longer making so many impulse purchases justifie...
by Naikansha
Sat Jul 19, 2014 9:31 pm
Forum: Investing - Theory, News & General
Topic: Thoughts of a long-term investor
Replies: 7
Views: 1081

Re: Thoughts of a long-term investor

I have just tried again. Here's what I hope is the working link:

http://news.morningstar.com/articlenet/ ... 194174.xml

If it doesn't work, you can go to Morningstar.com yourselves. Thanks for your patience.
by Naikansha
Sat Jul 19, 2014 8:36 pm
Forum: Investing - Theory, News & General
Topic: Thoughts of a long-term investor
Replies: 7
Views: 1081

Thoughts of a long-term investor

Jeremy Grantham has written a description of his 47 years of investing and included his thoughts on the present situation. It's very much worth reading.

I have used the useable link in my post below.
by Naikansha
Fri May 30, 2014 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Moving money from custodial brokerage account to 529
Replies: 13
Views: 723

Re: Moving money from custodial brokerage account to 529

I don't live in Utah but have used their 529 plans for my grandchildren for a number of years even though I no longer get any tax benefit from my state of residence. The accounts you can select from use Vanguard Funds and have low fees. There are many choices and they will help you understand which ...
by Naikansha
Fri May 30, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I see my personal rate of return using Vanguard?
Replies: 17
Views: 2383

Re: Where can I see my personal rate of return using Vanguar

Have you gone to 'performance details' after the personal performance tab?
by Naikansha
Tue Apr 29, 2014 9:48 pm
Forum: Personal Consumer Issues
Topic: Cordless vacuum cleaners
Replies: 8
Views: 678

Re: Cordless vacuum cleaners

I like my Black and Decker very much - very easy to clean and recharge and it's an excellent tool for keeping the car free of dirt and dust.
by Naikansha
Mon Apr 21, 2014 7:23 pm
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 58
Views: 7683

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

Here we see that the notion of 'emotional intelligence' is firmly fitted into an American cultural scenario: it builds flourishing careers, enables success (in work and play), long lasting relationships, helps one to love and be loved, etc. I haven't read the book but what I don't see in Goleman's l...
by Naikansha
Mon Apr 21, 2014 11:37 am
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 18954

Re: If you have ACA health insurance, what is your experien

My son, a graduate student in California with a preexisting condition now has a silver plan with a very low premium. This is the best insurance he has ever had while living away from family. He is quite pleased.
by Naikansha
Mon Feb 03, 2014 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: how to use non-deductible TIRA contributions
Replies: 3
Views: 304

Re: how to use non-deductible TIRA contributions

thanks to you both for your help.
by Naikansha
Mon Feb 03, 2014 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: how to use non-deductible TIRA contributions
Replies: 3
Views: 304

how to use non-deductible TIRA contributions

Last year I submitted IRS forms 8606 (Non-deductible IRAs) establishing non-deductible contributions to traditional IRA accounts for nine years. These forms were submitted to show my total basis, as last year I took my first Required Minimum Distribution. These non-deductible contributions were subs...
by Naikansha
Sun Jan 26, 2014 11:49 pm
Forum: Investing - Theory, News & General
Topic: Wiki - Convertible Securities
Replies: 14
Views: 1113

Re: Wiki - Convertible Securities

I fully agree with you and with Larry's opinion. I hope I haven't been put into a 'recommends preferreds' box.
by Naikansha
Sun Jan 26, 2014 10:22 pm
Forum: Investing - Theory, News & General
Topic: Wiki - Convertible Securities
Replies: 14
Views: 1113

Re: Wiki - Convertible Securities

LadyGeek: Thanks for putting this new wiki section together. I just came across an earlier article from April, 2013 written by Oaktree Capital Management's Larry Keele who manages the Vanguard fund and Vanguard Advice Services leader Karin Risi who discusses the place of these securities in a divers...
by Naikansha
Fri Jan 24, 2014 6:46 pm
Forum: Investing - Theory, News & General
Topic: Can you talk me out of Preferred Stocks?
Replies: 58
Views: 6870

Re: Can you talk me out of Preferred Stocks?

Investors should also take care to know just what is in a fund they own, and not just rely on the fund name. I was interested to see in today's article by Morningstar's Josh Peters that in 2009 he had bought preferred stocks for his dividend portfolios (neither the stocks or the portfolios were name...
by Naikansha
Fri Jan 24, 2014 4:23 am
Forum: Investing - Theory, News & General
Topic: Can you talk me out of Preferred Stocks?
Replies: 58
Views: 6870

Re: Can you talk me out of Preferred Stocks?

I'm not sure what to do with the discussion on Vanguard Convertible Securities Fund (VCVSX) , as we also have a wiki article: Convertible bonds There is no mention of VCVSX in the convertible bond article, either. Perhaps to make it clear there are both convertible stocks and convertible bonds, the...
by Naikansha
Sun Jun 02, 2013 4:17 pm
Forum: Personal Consumer Issues
Topic: How does one sell a silver tea set?
Replies: 11
Views: 1640

Re: How does one sell a silver tea set?

Before deciding where to sell your items (pawn shop, metals recycler, antique dealer, ebay, etc., which I've listed according to how much you should expect to receive, all things considered), it is important to learn who were the manufacturers, where and when made, the quality of the silver (or if p...
by Naikansha
Sat Jun 01, 2013 4:57 pm
Forum: Personal Consumer Issues
Topic: How does one sell a silver tea set?
Replies: 11
Views: 1640

Re: How does one sell a silver tea set?

A lot depends on when and where the set was made, whether or not there is a monogram, and the condition. How many pieces are there and what are the stamps on the bottom of the pieces? If genuine sterling silver, this by law in most countries must be stamped on the bottom. There are however several g...
by Naikansha
Mon May 27, 2013 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with my windfall please.
Replies: 25
Views: 1733

Re: Help with my windfall please.

Regarding the 529 plans, you can go to Morningstar.com which has a very good yearly review of all plans. This list and their comments should help you figure out which ones to consider before making a final choice (which by the way you don't have to keep if you don't want to, and the best plans have ...
by Naikansha
Sat May 18, 2013 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with unsellable land
Replies: 32
Views: 3293

Re: what to do with unsellable land

I don't see why anyone would buy it without a water line, although it might go for a very low price as it is in a retiree - desireable area but not good for people who need to travel daily into town. But there are other low priced properties here with water. At this point our main issue is the yearl...
by Naikansha
Sat May 18, 2013 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with unsellable land
Replies: 32
Views: 3293

Re: what to do with unsellable land

I sincerely appreciate all the thoughts about this matter. Regarding an easement: Bertilak, thanks for the reminder of the correct wording regarding an 'easement'. dm200, public water lines are on two nearby roads. The closest requires a granted easement through a neighbor who will not grant it thou...
by Naikansha
Fri May 17, 2013 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with unsellable land
Replies: 32
Views: 3293

Re: what to do with unsellable land

Thanks for the good ideas. Unfortunately there are no easements next to the neighboring properties but the public line could be accessed from the main road, about a mile away. There is a closer line but neighbor will not approve an easement. Wells are common for those who can afford them. I just rea...
by Naikansha
Fri May 17, 2013 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with unsellable land
Replies: 32
Views: 3293

what to do with unsellable land

We have a plot of 2-1/2 acres of land that is very difficult to sell not only because there are many fewer speculators than in the past (not us, we were given the plot). While there are electric and telehone hookups, there is no water line, so a buyer would have to either drill a well or pay a neigh...
by Naikansha
Sun May 12, 2013 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Retiree's TIRA to Roth?
Replies: 12
Views: 797

Re: Retiree's TIRA to Roth?

thanks, I must not have cleared that box - will try again. I appreciate your help.
by Naikansha
Sat May 11, 2013 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree's TIRA to Roth?
Replies: 12
Views: 797

Re: Retiree's TIRA to Roth?

Thanks very much. I tried your 13.1 version that wanted me to do my conversion amount over three years (different from the other which said do it all in one year -my input). The conclusions are not very clear however (to me) as some years seem to be worthwhile, others not and I wasn't sure why there...
by Naikansha
Sat May 11, 2013 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7945

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

No it is not the same because the qualified charitable distribution(s) will not be noted as charitable contributions on the IRS form when the (marginal) tax is taken out of the resulting RMD (by VG). If the distribution(s) are taken by check made out to the charity (ies) and then sent on to the inve...
by Naikansha
Sat May 11, 2013 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7945

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Whatever she will use for a qualified charitable distribution (say 5k in this case) can be deducted from the RMD amount so will not be taxable. WHen you call the retirement section of VG, they will take a list of the charities you want to give to and amounts for each, and can send you the checks dir...
by Naikansha
Sat May 11, 2013 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree's TIRA to Roth?
Replies: 12
Views: 797

Re: Retiree's TIRA to Roth?

Thanks all, I tried the program and it also suggested for me to convert everything right away (most in the first year - that is, this year) which would use up all of my taxable investments which I'd prefer not to do. Nor can I control social security taxes because of our two social security payments...
by Naikansha
Sat May 11, 2013 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Retiree's TIRA to Roth?
Replies: 12
Views: 797

Re: Retiree's TIRA to Roth?

Thanks to you both for reminders of other things to consider.
by Naikansha
Fri May 10, 2013 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree's TIRA to Roth?
Replies: 12
Views: 797

Retiree's TIRA to Roth?

Some years ago I thought of moving at least some of my TIRA to my much smaller Roth account but didn't have enough in my taxable account to pay the tax. Also, my tax rate of 25% didn't look as if it would go down (and it hasn't). However this year I feel comfortable being able to use at least part o...
by Naikansha
Fri May 10, 2013 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7945

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Regarding the extra 5K, if you make this a qualified charitable contribution when you begin your RMD (assuming this will be allowed that year, it may not be), the amount can be deducted from your RMD so will not be taxed.
by Naikansha
Fri Feb 15, 2013 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Charitable donation from RMD
Replies: 45
Views: 3196

Re: Charitable donation from RMD

You don't have a problem with regard to your timing the RMD withdrawal after the QCD if that is what you wish. However, VG must have your QCD information before you make any RMD's since this will be deducted from the total. They will then make the QCD withdrawals before or at the same time as your R...
by Naikansha
Wed Feb 13, 2013 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable donation from RMD
Replies: 45
Views: 3196

Re: Charitable donation from RMD update from VG

I have just spoken with VG this afternoon about making qualified charitable distributions from a RMD amount to be taken for 2013. As I mentioned earlier and can now confirm, they want to receive the information about recipients and amounts before doing the RMD distribution(s), whenever you wish that...
by Naikansha
Tue Feb 05, 2013 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable donation from RMD
Replies: 45
Views: 3196

Re: Charitable donation from RMD

I'm not Alan, but he is correct that your QCD must come out before your RMD, no matter how you wish to allocate your RMD distributiions from your IRA.

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