Search found 273 matches

by Naikansha
Thu Oct 01, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Rat at home - how to catch?
Replies: 48
Views: 3051

Re: Rat at home - how to catch?

I have many pack rats and small mice. inside and out. We use the hav-a-hart traps, available in hardware stores, selecting them according to size needed. You can bait them with peanut butter and leave them in the room where you have seen your pests until they are caught. It might not happen right aw...
by Naikansha
Sun Aug 16, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4915

Re: USPS shipping: Caveat Emptor

I shipped large package with FedEx air from Arizona to NY last week. Arrived safely in two days.
by Naikansha
Thu Jul 30, 2020 11:01 pm
Forum: Investing - Theory, News & General
Topic: RMDs – Best time to take during the year?
Replies: 24
Views: 4991

Re: RMDs – Best time to take during the year?

I take my RMD in late January or February from my tIRA with federal tax withdrawn and QCD donations made (the later are NOT precluded in January; I agree they are a very good tax benefit). Balance is put in my taxable account. I had excellent experience this year with the Vanguard assistants. As you...
by Naikansha
Sat Jul 18, 2020 11:09 pm
Forum: Personal Investments
Topic: January RMD (& CARES act) --> move back to IRA
Replies: 26
Views: 1308

Re: January RMD (& CARES act) --> move back to IRA

different lots enabled the same amount to be returned (less QCD).
by Naikansha
Sat Jul 18, 2020 10:43 pm
Forum: Personal Investments
Topic: January RMD (& CARES act) --> move back to IRA
Replies: 26
Views: 1308

Re: January RMD (& CARES act) --> move back to IRA

the property that was redistributed was contributed into two different funds in my individual account via MM fund, from which funds it was returned to the same account in my Traditional IRA via the same money market fund.
by Naikansha
Sat Jul 18, 2020 12:54 pm
Forum: Personal Investments
Topic: January RMD (& CARES act) --> move back to IRA
Replies: 26
Views: 1308

Re: January RMD (& CARES act) --> move back to IRA

Now that we see changes over the year I might not do so again, but I did the RMD end of January for several years to keep away from VG anywhere near tax time.
by Naikansha
Sat Jul 18, 2020 12:23 pm
Forum: Personal Investments
Topic: January RMD (& CARES act) --> move back to IRA
Replies: 26
Views: 1308

Re: January RMD (& CARES act) --> move back to IRA

Yes, after learning about the newest IRS guidance notice 2020-51 at Morningstar, I rolled back my RMD amount from two of my individual account funds (using selected lots) at Vanguard to the same Traditional IRA account. The amount did not have to go into the same fund in that account. Vanguard requi...
by Naikansha
Fri May 15, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 9584

Re: Should I buy a new rice cooker from Zojirushi?

[quote=bubbasour post_id=5193989 time=1587195979 user_id=137226] Hi, We eat [b]brown rice[/b] almost daily and currently the rice cooker used is rather simple : https://www.amazon.com/Zojirushi-NHS-18-10-Cup-Uncooked-Cooker/dp/B00004S576/. However, I wanted to explore whether it's worth buying a htt...
by Naikansha
Thu Mar 26, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can 2020 rmd's taken less than 60 days be converted?
Replies: 15
Views: 958

Re: Can 2020 rmd's taken less than 60 days be converted?

Can such a rollover be done if a qualified charitable distribution has also been taken and sent to the charities?
by Naikansha
Thu Feb 20, 2020 9:34 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 10043

Re: Has Vanguard deteriorated?

I recently arranged for my 6th year's RMD, with a list of QCD given to the representative who arranged for all checks sent to me for passing on to the charities. The correct tax percentage was taken and the balance placed in the correct taxable account fund I specified. This representative's work wa...
by Naikansha
Sat Jan 11, 2020 12:38 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg Will Revive ‘Wall Street Week’
Replies: 38
Views: 4478

Re: Bloomberg Will Revive ‘Wall Street Week’

I learned so much from that program many years ago when I was just getting started. Clearly described information, good advice I still think of when making decisions, and the debates between guests and Louis Rukeyser all made the show . I hope the format will be continued to benefit younger investor...
by Naikansha
Wed Jan 08, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5489

Re: My Wishlist for Vanguard

Thanks Sport. I'll try it your way and see if it works.
by Naikansha
Wed Jan 08, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5489

Re: My Wishlist for Vanguard

[quote=sport post_id=4940209 time=1578497931 user_id=470] [quote=Naikansha post_id=4940190 time=1578497585 user_id=22043] A better system for RMD requests: A form one could fill out on the website, with one's name and address, account no., fund(s) used for the withdrawal, tax % withdrawal, total amo...
by Naikansha
Wed Jan 08, 2020 10:33 am
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5489

Re: My Wishlist for Vanguard

A better system for RMD requests: A form one could fill out on the website, with one's name and address, account no., fund(s) used for the withdrawal, tax % withdrawal, total amount, and a list of the QCD's. When completed, this could be sent directly to the RMD section at Vanguard. The form would b...
by Naikansha
Sat Jan 04, 2020 1:29 am
Forum: Personal Consumer Issues
Topic: Is volunteering worth the hassle?
Replies: 98
Views: 8543

Re: Is volunteering worth the hassle?

Rather than volunteering with an organization that has a physical set-up and rules, duties, etc. which might not suit you, do something as an individual like registering others to vote, or circulating a initiative petition. You will meet lots of people this way and learn so much about your community.
by Naikansha
Wed Jan 01, 2020 12:32 pm
Forum: Personal Investments
Topic: Vanguard RMD Calculator -- Where?
Replies: 16
Views: 1428

Re: Vanguard RMD Calculator -- Where?

Apparently Vanguard offers a service to help with RMDs: [url]https://personal.vanguard.com/us/RMDController[/url]. I'm not elible to take RMDs so I can't tell you how it works.

I just went there. They are calculating this year's RMD and will not have it available for about 48 hours (it says).
by Naikansha
Tue Dec 24, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28449

Re: Tax Law Changes for 2020

I'd like an answer to the following question: Regarding the 'end of stretch' for inherited IRA's, if a person has already received one and has begun taking RMD's for at least a year, will this be grandfathered to allow the former stretch to continue? Or does the new 10 year rule apply? Thanks for an...
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: 3132

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: 3132

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: 3132

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: 6393

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: 59
Views: 5576

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: 2881

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: 42
Views: 4234

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: 265
Views: 24056

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: 2683

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: 1498
Views: 176290

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: 2115

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: 2115

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: 1351

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: 1782

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: 1782

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: 1228

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: 1643

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: 1643

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: 4130

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: 1643

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: 4070

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: 1713

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: 11495

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: 2910

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: 8248

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: 1890

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: 1977

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: 8248

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: 8248

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: 8248

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: 12000

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? 2020 update
Replies: 241
Views: 40451

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: 2306

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...