Search found 256 matches

by Naikansha
Mon Dec 02, 2019 7:15 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2789

Re: Is anyone else having trouble getting into vanguard [12-1-19]

All good here using Google chrome to access my non-brokerage mutual fund accounts: desert SW.
by Naikansha
Mon Dec 02, 2019 11:42 am
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2789

Re: Is anyone else having trouble getting into vanguard [12-1-19]

Thank you. All good now with updated information about asset contributions.
by Naikansha
Sun Dec 01, 2019 10:05 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 2789

Re: Is anyone else having trouble getting into vanguard [12-1-19]

I've had no luck getting into my accounts after numerous attempts for most of this evening.
by Naikansha
Thu Nov 07, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 65
Views: 5505

Re: Your Fantasy Kitchen (Cookware-wise)

If you cook rice and other grains like wild rice, I recommend a Zojirushi rice cooker.
by Naikansha
Sun Sep 08, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds - How Your Spouse can Quickly Cash in I Bonds
Replies: 53
Views: 4460

Re: I Bonds - How Your Spouse can Quickly Cash in I Bonds

We have some paper I bonds that won't mature for another 20 years, one is spouses co-owned, the others individually owned with POD. We would like to redeem some of them sometime within the next 10 years or so to help grandchildren with college expenses. If we are able to redeem them at a bank, can w...
by Naikansha
Mon Jul 22, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2560

Re: 2012 Infinity G37 Sedan maintenance costs

Still driving my 2004 Infiniti G35 with almost 123,000 miles. A wonderful car for both city and long distance trips with lots of space and regular maintenance over the years.
by Naikansha
Fri Jun 14, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3560

Re: Cartier bracelet

My relative had a nice collection (since sold, some at auction) of 'pre-owned' jewelry, some worn by our great grandparents, others by royalty. No one had any problem with those items (unique, not mass-produced like some Cartier items) and they had wonderful stories from the past that came with them.
by Naikansha
Sun Dec 16, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21964

Re: Favorite Purchase of 2018?

We used Babbel French lessons to prepare for our trip to Paris. They worked wonderfully and after three months we were able to speak appropriate courteous French to give drivers directions, order from restaurants, ask for information from our hotel staff, and most importantly, thank the many helpful...
by Naikansha
Thu Jun 07, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2622

Re: Penfed CD @ 3% - 5 year

[quote=onourway post_id=3962120 time=1528385746 user_id=114957]
PurePoint Financial is offering a 3 year CD at 3% as of today.

https://www.purepoint.com/online-bankin ... high-yield
[/quote]

I ordered one of these two days ago. The set-up service was excellent.
by Naikansha
Wed Jan 17, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1144
Views: 129028

Re: What frugal thing did you do today?

I keep an old pair of wrecked shoes that I wear when I need to buy a car.
by Naikansha
Thu Nov 30, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: VWIUX recent share price decline [Vanguard Intermediate-Term Tax-Exempt]
Replies: 16
Views: 2085

Re: VWIUX recent share price decline [Vanguard Intermediate-Term Tax-Exempt]

Thanks David for your note. Although as you say the muni fund does accrue daily, there is a payment (as a whole, as long as you haven't sold anything) that appears at the end of the month. As I don't sell shares of this muni fund unless for tax loss harvesting, I was thinking of the dividend payment...
by Naikansha
Thu Nov 30, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: VWIUX recent share price decline [Vanguard Intermediate-Term Tax-Exempt]
Replies: 16
Views: 2085

Re: VWIUX recent share price decline [Vanguard Intermediate-Term Tax-Exempt]

Monthly payment of dividends by the fund at end of each month causes the price to drop a few cents. It usually rises back up the following week.
by Naikansha
Thu Nov 09, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: NY investigation of TIAA
Replies: 2
Views: 1292

NY investigation of TIAA

For all who are currently invested in TIAA or thinking to do so.

https://www.nytimes.com/2017/11/09/busi ... -news&_r=0
by Naikansha
Fri Nov 03, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1748

Re: Complaint Resolution

My point about repetitive requests is that eventually someone will give the correct information as to what happened, and hopefully why it happened. That was my experience but it took some time before one of the reps told me it had to do with my not requesting a transfer to the money market. I don't ...
by Naikansha
Fri Nov 03, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1748

Re: Complaint Resolution

I had an experience in July with a RMD transfer from an IRA to a taxable fund. The RMD lot was placed in the fund's nonqualified shares section of the cost basis. Eventually I learned that this had to do with not transferring the lot first to the taxable account's money market fund, from which it co...
by Naikansha
Thu Oct 26, 2017 5:46 pm
Forum: Personal Investments
Topic: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?
Replies: 10
Views: 1204

Re: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?

I have used the Utah plans for my two grandchildren now for several years. I chose them because they have been recommended by Morningstar after their careful analysis of all the available plans throughout the US. The Utah website is easy to use.
by Naikansha
Mon Oct 16, 2017 2:25 pm
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1602

Re: Help understanding cost basis mismatch at Vanguard

I'm still being told by Vanguard after three months that this year's RMD transfer balance from my IRA equity fund (after correct tax and QCDs) to the same equity fund in the taxable account can't be considered a covered shares lot because I didn't send it from the IRA fund to my taxable money market...
by Naikansha
Mon Oct 09, 2017 9:08 pm
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1602

Re: Help understanding cost basis mismatch at Vanguard

After three months, I had seen no change today in the cost basis listing where my RMD balance transferred from my IRA should have appeared. I called yet again and spoke with one of my representative's assistants. After over an hour of checking amounts and speaking with the cost basis people, he lear...
by Naikansha
Sun Aug 06, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: "Feds charge brokers in TSP fraud scheme"
Replies: 25
Views: 4042

Re: "Feds charge brokers in TSP fraud scheme"

Yes, that was the fraudulent matter: they pretended they were part of TSP in their conversations with clients and in the kinds of TSP-like seemingly governmental logos they used. What is surprising is that TSP themselves didn't (still don't?) warn their investors about this kind of scam.
by Naikansha
Sat Aug 05, 2017 1:26 pm
Forum: Personal Investments
Topic: Help understanding cost basis mismatch at Vanguard
Replies: 11
Views: 1602

Re: Help understanding cost basis mismatch at Vanguard

After making a RMD and transferring the balance after taxes and charitable distributions to my taxable account, I have been waiting over a month for the transfer (correctly noted in my transfer listings) to be included in the cost basis listing. I was just told the cost basis area of Vanguard is 8-1...
by Naikansha
Tue Jul 18, 2017 10:58 pm
Forum: Personal Investments
Topic: 2017 RMD Timing
Replies: 33
Views: 3953

Re: 2017 RMD Timing

For Bogelheads about to take their RMD, I suggest an earlier date for this procedure than year-end for the following reason. I have taken RMD now for four years; three of those years included qualified charitable distributions so everything was done over the phone in order that checks for QCD could ...
by Naikansha
Mon Jun 19, 2017 2:10 pm
Forum: Personal Investments
Topic: Tax Exempt Bond Funds Questions
Replies: 8
Views: 1600

Re: Tax Exempt Bond Funds Questions

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...
by Naikansha
Fri Mar 31, 2017 2:33 pm
Forum: Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 11134

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: Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 2819

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: Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 8018

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: 1806

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: Personal Investments
Topic: Thinking of Going Solo from My Advisor – Need Portfolio Review and Advice
Replies: 21
Views: 1951

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: Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 8018

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: Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 8018

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: Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 8018

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: 11814

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 Violin as an adult? Yes, 3 years later!
Replies: 236
Views: 37768

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: 2244

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: 11252

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: 7543

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: 7543

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: Personal Investments
Topic: Brokerage account instead of 529
Replies: 4
Views: 594

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: 8669

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 - Theory, News & General
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 78
Views: 10968

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: Personal Investments
Topic: CREF variable annuity in 403(b) -- any reason to pay the high expense ratio?
Replies: 37
Views: 6432

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: 1662

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: 10810

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: Personal Investments
Topic: Viewing Treasurydirect.org account balance on Vanguard.com
Replies: 7
Views: 1017

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: 3866

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: Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 5917

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: Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 5917

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: Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 5917

Re: TIAA Real Estate vs. Vanguard REITS

sorry, it should be QREARX, less volatile.
by Naikansha
Sat Jul 02, 2016 9:15 pm
Forum: Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 5917

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: Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 5917

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.