Bogleheads.org

Naikansha

I use the intermediate fund in my taxable account. On two occasions I was able to do a tax loss harvesting, buying the limited term fund which I held for several months until I could shift back to the intermediate fund. I was able to save two quarter's worth of estimated federal taxes this way durin...

Naikansha

I currently transfer monthly income from this fund to my savings account. Together with unused sums from my pension (also in the savings account) I can prepare easily for one or more large payments in 1-3 years. When I don't anticipate any such payments, I return to reinvesting the monthly income pa...

Naikansha

I take my yearly RMD towards mid-year. I give about 1/3 of the amount as qualified charitable distributions, which Vanguard sends to me as checks written in the names of the charities. I forward these on. Another 1/3 or so goes to my sons to help them out with their particular needs. This year it he...

Naikansha

I have finally received a call today from Vanguard's 'claim answers' division regarding the double contributions mistakenly made by VG December 10. I did receive the extra amount back to my credit union account and now they are apparently trying to understand what happened. More later!

Naikansha

I have the simplest kind I could find, which I bought a year ago and so far it has done quite well as long as I don't interrupt the cycle. It is quiet and I like the do-it-yourself filter you have to clean yourself. There are various ways to move the racks to place the dishes according to size which...

Naikansha

529's are very flexible (with the better plans - see Morningstar.com for their evaluations - you can pick from a good number of options and change if you feel the need). You can contribute yearly much more than to a Roth and the funds won't be taxed when they are withdrawn for college expenses. You ...

Naikansha

I made one last call late in the evening, after I had sent an email (and the eventual response to that said no reply regarding my account could be given, and that I should call!). Someone answered my evening call after an hour and a half. Warning to others: if you have placed an order with Vanguard,...

Naikansha

Finally after 1-1/2 hours I got a response. The rep told me both withdrawals from my checking account have already received a confirmation date so unless I keep one in my mm account (with its 7 day hold) I will have to have the credit union disallow one of the withdrawals tomorrow. This is intolerab...

Naikansha

Yesterday I placed an order to one of my funds from my credit union. Checking the order status today (I didn't expect it to be completed in just one day, of course), I saw there was a double listing. I tried all day at various times to get in touch with a representative but after 1/2 hour waiting ea...

Naikansha

Be sure to only buy things suggested here you can return if you see that you don't really want or need them. I've never bought any such thing but I have suggested some things that others bought. Good luck.

Naikansha

A friend in his mid 70's has been playing the upright bass in a community orchestra with good reputation, after beginning to play about nine years ago. His wife started playing the piano around the same time. Taking lessons is important I think as you will learn what you have to do to make good prog...

Naikansha

About five years ago I had to replace several broken handles on an old cabinet. More recently I had a carpenter refinish my 75 year old cabinets which needed some new handles and hinges in an unusual style . Using ebay in each case, for reasonable prices I was able to get some used and some newly ma...

Naikansha

Taylor, slow drainage often has to do with tree roots getting into the drain pipe. To use chemicals would not only be environmentally dangerous but wouldn't have a lasting effect as roots would eventually regrow. I would recommend a plumber look at your pipes.

Naikansha

Drifting: Sorry that you were hurt by my remarks, critical but intended only to be helpful as you are concerned to 'set the right tone'. If you don't care, be prepared to be ridiculed.

Naikansha

As I read all the responses to your OP, I have been thinking that another matter regarding how you present yourself to others with whom you work is your grammar so.... 'my wife and I's safety' should be: 'my wife's and my safety'. Along with a car upgrade, I suggest a copy of the classic William Str...

Naikansha

Consider tax differences and fees charged in each case. 529 accounts are flexible plans, which when withdrawn for college expenses are free from federal taxes and in some cases state taxes. There are many different 529 accounts (these are managed by states but you don't have to open one managed by t...

Naikansha

I agree pennywise. This spousal difference is often explained as 'my wife doesn't like or want to deal with financial issues, so I (husband) do everything'. Nothing said about WHY his wife is this way, and what (if anything) the husband tried to teach his wife and what he knows himself. Notice he do...

Naikansha

Did your advisor explain why he didn't want you to invest in W and W? And WHY his recommendations were suitable for the type of account you wanted to open? It would seem that such explanations would help you understand the reasons for conflicts you are having with him. More discussion is needed.

Naikansha

I signed up for one of these 'supplemental retirement annuities' accounts, which was the name given to certain TIAA-CREF accounts owned by workers at non-profits like universities and certain hospitals. I was able to save quite a lot during the years I had one of these 403B plans as I put everything...

Naikansha

Where do you live? Do you have any animals (mice, rats) nesting in cars? I have had my air conditioner checked and the filter was filled with sign of pack rats (mesquite beans, droppings). Once the filter was replaced the conditioner worked fine.

Naikansha

Thank you for considering my question. Background: Over many years, we have been reading a great deal about unethical/criminal behavior on the part of various kinds of financial institutions and their participating staff who interact with customers. Numerous threads on this site have shown us detail...

Naikansha

When I added my Treasury direct account I simply listed it as 'I-bonds' and gave the amount. I didn't have to go to a special Vanguard link to do that within the 'outside' investments section.

Naikansha

With regard to selling topsoil from your mother's land following your father's earlier practice, I'd seriously look into what this is doing to the quality of the land. Should you or siblings later decide to lease or sell it for an agricultural use, removing the topsoil for someone else's use might d...

Naikansha

No chart available, it says. Same for Morningstar and Yahoo finance (as of Saturday).

Naikansha

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?

Naikansha

sorry, it should be QREARX, less volatile.

Naikansha

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 ...

Naikansha

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.

Naikansha

Benefactors of BPC? Who are they?

Naikansha

Ulysses Contract: Tie yourself to the mast (or your canoe stern ) before you paddle past the sirens.

Naikansha

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...

Naikansha

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 ...

Naikansha

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,...

Naikansha

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.

Naikansha

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...

Naikansha

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...

Naikansha

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...

Naikansha

] . [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 ...

Naikansha

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 ...

Naikansha

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...

Naikansha

[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...

Naikansha

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.

Naikansha

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.

Naikansha

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 ...

Naikansha

Have you gone to 'performance details' after the personal performance tab?

Naikansha

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.

Naikansha

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...

Naikansha

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.

Naikansha

thanks to you both for your help.

Naikansha

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...

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