Search found 223 matches

by Naikansha
Mon Nov 14, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 3760

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: 4586

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: 4586

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: 276

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Consider tax differences and fees charged in each case. 529 accounts are flexible plans, which when withdrawn for college expenses are free from federal taxes and in some cases state taxes.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: 6369

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: 3149

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: 34
Views: 1591

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: 1048

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: 7269

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: 574

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: 3027

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: 2350

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: 2350

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: 2350

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: 2350

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: 2350

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: 3162

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: 1090

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: 2350

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: 5156

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: 7035

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: 11590

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: 6735

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: 3278

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: 5839

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: 7928

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: 5762

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: 15397

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: 1095

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: 1095

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: 740

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: 2537

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: 699

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: 7860

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: 19379

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: 314

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: 314

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: 1139

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: 1139

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: 7194

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: 7194

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: 1833

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: 1833

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: 1817

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: 3494

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: 3494

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: 3494

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: 3494

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...

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