Search found 234 matches

by Naikansha
Fri Mar 31, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 25
Views: 3190

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

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...
by Naikansha
Sun Feb 19, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 1964

Re: How do you invest the proceeds [from your RMD?]

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...
by Naikansha
Wed Jan 25, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 5527

Re: Telephoning Vanguard

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!
by Naikansha
Wed Dec 14, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Bosch - Ascenta 24" Dishwasher experience
Replies: 11
Views: 929

Re: Bosch - Ascenta 24" Dishwasher experience

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...
by Naikansha
Mon Dec 12, 2016 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Going Solo from My Advisor – Need Portfolio Review and Advice
Replies: 21
Views: 1396

Re: Thinking of Going Solo from My Advisor – Need Portfolio Review and Advice

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 ...
by Naikansha
Mon Dec 12, 2016 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 5527

Re: Telephoning Vanguard

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,...
by Naikansha
Mon Dec 12, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 5527

Re: Telephoning Vanguard

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...
by Naikansha
Mon Dec 12, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 5527

Re: Telephoning Vanguard

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...
by Naikansha
Sat Dec 10, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 10247

Re: Warning: BH may be hazardous to your financial health

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.
by Naikansha
Sat Dec 10, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? Three Month Update
Replies: 135
Views: 12354

Re: Learning an instrument as an adult?

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...
by Naikansha
Sat Dec 10, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Cabinet Info
Replies: 10
Views: 1697

Re: Kitchen Cabinet Info

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...
by Naikansha
Mon Nov 14, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 4284

Re: Drain Cleaner or Plumber for slow drains?

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.
by Naikansha
Sat Oct 08, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 5084

Re: Should I upgrade my beat up car?

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.
by Naikansha
Fri Oct 07, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my beat up car?
Replies: 69
Views: 5084

Re: Should I upgrade my beat up car?

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...
by Naikansha
Wed Oct 05, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage account instead of 529
Replies: 4
Views: 329

Re: Brokerage account instead of 529

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...
by Naikansha
Wed Sep 21, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 6936

Re: "Women and Investing" class offered by Employer

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...
by Naikansha
Mon Sep 19, 2016 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 36
Views: 3507

Re: About Vanguard advisors: opinions, thoughts?

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.
by Naikansha
Sun Sep 18, 2016 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: CREF variable annuity in 403(b) -- any reason to pay the high expense ratio?
Replies: 37
Views: 2396

Re: CREF variable annuity in 403(b) -- any reason to pay the high expense ratio?

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...
by Naikansha
Sun Sep 11, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: car air conditioning problem
Replies: 12
Views: 1158

Re: car air conditioning problem

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.
by Naikansha
Sun Sep 11, 2016 1:56 am
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 52
Views: 7484

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

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...
by Naikansha
Tue Sep 06, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Viewing Treasurydirect.org account balance on Vanguard.com
Replies: 7
Views: 651

Re: Viewing Treasurydirect.org account balance on Vanguard.com

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.
by Naikansha
Sat Sep 03, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mother, retired, newly widowed, finding a path ahead (also example of what not to do)
Replies: 20
Views: 3156

Re: Mother, retired, newly widowed, finding a path ahead (also example of what not to do)

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...
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: 2724

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: 2724

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: 2724

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: 2724

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: 2724

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: 3397

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: 1196

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: 2724

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: 5429

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: 7301

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: 12630

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: 7159

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: 3553

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: 6301

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: 8139

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: 5989

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: 16175

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: 1108

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: 1108

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: 755

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: 2839

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: 718

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: 8100

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: 19719

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: 346

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: 346

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: 1164

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.

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