Bogleheads.org

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...

Naikansha

I fully agree with you and with Larry's opinion. I hope I haven't been put into a 'recommends preferreds' box.

Naikansha

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...

Naikansha

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...

Naikansha

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...

Naikansha

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...

Naikansha

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...

Naikansha

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 ...

Naikansha

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...

Naikansha

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...

Naikansha

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...

Naikansha

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...

Naikansha

Please read my post on this topic:
viewtopic.php?f=2&t=110207

Naikansha

thanks, I must not have cleared that box - will try again. I appreciate your help.

Naikansha

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...

Naikansha

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...

Naikansha

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...

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