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Re: Total Intl Dividends

Sidney wrote:Those of us who prefer not to get dividends wrote a letter to Vanguard and asked them to cut it out.


Thank you!


:mrgreen:


:wink:
by Crow Hunter
Thu Mar 26, 2015 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2970

Re: Restaurant tipping

We don't eat out at "nice" restaurants at all. To my wife and myself, "nice" is a O'Charley's or Logan's. If I have very poor service, I don't tip at all. If I have barely adequate service, I tip 10%. If I have good service, I tip 20%. If I have exemplary service I tip way more. ...
by Crow Hunter
Thu Mar 26, 2015 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11666

Re: International stock dividend cut. Why?

Wow, there's a lot of magical thinking going on in this thread. It has been mentioned already, but I will repeat for emphasis: Total International has highly variable dividends from quarter to quarter . Typically Q1 and Q3 are smaller than Q2 and Q4. Beyond that I don't think there is much in the w...
by Crow Hunter
Thu Mar 26, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2970

Re: First Taxable Account

Not that much of a big deal on the before, it is the after TLH that you have to worry more about in my experience. Just make sure that if a TLH opportunity comes in the next 30 days you sell those shares you just bought, even if they happened to have a gain. That way you will longer own any "r...
by Crow Hunter
Thu Mar 26, 2015 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2305

Re: First Taxable Account

Oops, I had selected 'reinvest' for dividends and capital gains. I had been telling myself to change the selection the past couple of weeks and now I have a dividend reinvested. Oops. In any case, I'm changing it now to go to my prime money market. Quick question, I assume I select both dividends a...
by Crow Hunter
Thu Mar 26, 2015 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2305

Re: International stock dividend cut. Why?

Exchange rates changed a bit, too. A euro doesn't buy as many cents as it used, so your bags of pennies only get filled up part way this year compared to last year. I think this is one of the big drivers. From my situation. I am happy. I am up quite a bit from my last livesoft TLH and I would prefe...
by Crow Hunter
Wed Mar 25, 2015 7:28 am
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2970

Re: Vanguard Screwed up 1099-B

A portion of one stock position is covered but the vast majority is non-covered. Is the data right on the covered shares? If it is, just enter your own correct numbers for the non-covered shares. It's common to get incorrect data for non-covered shares. Vanguard doesn't have correct cost basis info...
by Crow Hunter
Wed Mar 25, 2015 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 8
Views: 1560

Re: Vanguard Screwed up 1099-B

Were any of the shares inherited from a trust? My understanding is that depending on the type of trust, there *might* not be a step-up in basis. Some were inherited via a TOD account, some were beneficiary and some were requested by me via the investment company protocol. None of them were trust. F...
by Crow Hunter
Tue Mar 24, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 8
Views: 1560

Re: Vanguard Screwed up 1099-B

Are the shares covered or non-covered? If they are covered, then Vanguard is reporting information to the IRS, which the IRS will check against your return, so you need to get it fixed before you file (or, failing that, report on the Form 8949 that Vanguard's information is wrong, which can sometim...
by Crow Hunter
Tue Mar 24, 2015 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 8
Views: 1560

Re: Vanguard Problems

I don't doubt it. I have had problems with them recently figuring out inherited assets. I even have one lot of stocks. All from the same company. All inherited at the same time. All transferred from the same company. I got a 1099-B that showed 1/3 of them short term gains with a cost basis starting ...
by Crow Hunter
Mon Mar 23, 2015 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3110

Vanguard [Messed up] 1099-B

My 1099-B from Vanguard has all the Short/Long term information screwed up. All of the problems are with information related to Long and Short term gains and cost basis. All of the brokerage assets were inherited. About 2/3 of them are showing up in Short term and with the balance in Long Term. Some...
by Crow Hunter
Mon Mar 23, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard [Messed up] 1099-B
Replies: 8
Views: 1560

Re: How do you invest your taxable account?

I do the 3 fund Lazy Portfolio. I have terrible options for International in both my and my wife's 401ks. So right now the only things that I have in taxable are a large chunk of my International allocation (VTIAX) and a small bond allocation to some inherited taxable UIT/MBS. Should conditions/AA w...
by Crow Hunter
Fri Mar 20, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5852

Re: Lowest income at which able to Max 401k and IRA

My wife and I combined make a little more than you (144k IIRC) and we max out 2 401ks and 2 Roths and have for several years (and maxed my 401k and 2 IRAs for years before that). However, we live in a very LCOL area and are somewhat frugal. Our total annual expenses are less than $60k/yr. I know tha...
by Crow Hunter
Fri Mar 20, 2015 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Lowest income at which able to Max 401k and IRA
Replies: 31
Views: 2622

Re: Do you have and auto loan?

I have only done it on 3 vehicles before. -1999 Silverado Z71 First new vehicle I ever purchased. I was still living at home at the time right after graduating college. I couldn't stand to pay interest. I paid it off in about 4 months IIRC. -2001 Corolla My new wife's 198x Cavalier (IIRC) started ha...
by Crow Hunter
Thu Mar 19, 2015 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 70
Views: 4032

Re: Legos appreciating in value?

There is a pretty interesting documentary on Netflix about Legos as a company and how they almost went under until they got new management. They conveniently left out how the explosive growth/profitability happened to coincide with starting the "tie-ins" and expensive "themed" se...
by Crow Hunter
Wed Mar 18, 2015 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Legos appreciating in value?
Replies: 38
Views: 5839

Re: Vanguard Brokerage 1099 Available

I received half on Friday last week and the other half on Monday.

Now I just have to figure out what to do with it. :oops:
by Crow Hunter
Wed Mar 18, 2015 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3304

Inherited MBS Cost Basis Tax Question

I think I know this, but I want to make sure. I have searched online but haven't found a specific answer to this. I inherited three MBS bonds in a taxable account. When I inherited them they were valued at greater than par. For instance, I have 13,000 shares of a WAMU MBS that I inherited at $1.02/s...
by Crow Hunter
Wed Mar 18, 2015 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited MBS Cost Basis Tax Question
Replies: 3
Views: 194

Re: Rural cellular signal help

We had to have one installed in the attic of my Mother's house so that the cell phone based security system would work. I haven't had any faults due to lost signal since it was installed in June of last year. Prior to that it would lose signal and fault out at least once a day. I am not sure about t...
by Crow Hunter
Tue Mar 17, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Rural cellular signal help
Replies: 5
Views: 576

Re: Do you still use currency or have you gone all-plastic?

All plastic wherever possible. I almost never use or carry cash. I have a single dollar coin in my pocket right now that I swiped from my wife this morning because I wanted to get a candy bar out of the snack machine at lunch. :D My wife usually has some cash (so I rob her when I need some :twisted:...
by Crow Hunter
Tue Mar 17, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3211

Re: Kotlikoff: When Should you Take Social Security?

Wildebeest wrote:If you want him to PM you, just post something dumb.


That explains why I have gotten several from him. :mrgreen:
by Crow Hunter
Wed Mar 11, 2015 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19896

Re: First Taxable Account

Well, if you are going to have to turn off auto-investing if you TLH, you might as well also turn off auto-reinvesting at the same time, assuming the quarterly dividend is due within 30 days. In other words, investing twice a month (or is it every other month- the dictionary gives both as definitio...
by Crow Hunter
Wed Mar 11, 2015 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2305

Re: First Taxable Account

How do you deal with multiple lots of new weekly money when you TLH? Full disclosure, I haven't executed my TLH plan yet so perhaps I'll find an issue with it. This is the process I've planned: 1.) Before I began investing in FundA I picked out AlternateFundA to use when I eventually TLH. 2.) I buy...
by Crow Hunter
Wed Mar 11, 2015 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2305

Re: Old Savings Bonds

Make sure that they are at or within 6 months of being 30 years old. If they aren't, then hold on to them unless you need the money. They are probably earning close to 4%. I have bonds from 1987 through around 1994 that are earning 4%+. Check the issue dates on Treasury Direct and see what their int...
by Crow Hunter
Tue Mar 10, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 742

Re: 3 D Printing

I've been watching other videos on Inventor, but didn't find this one. This is very exciting! Do you know if it will calculate centers of gravity and moments of inertia as well? Probably too much to expect, but it would save me from having to set up a spreadsheet to do the calculations. Thanks, gat...
by Crow Hunter
Tue Mar 10, 2015 12:29 pm
 
Forum: Personal Consumer Issues
Topic: 3 D Printing
Replies: 25
Views: 1436

Re: 3 D Printing

I use a Maker Bot (known here as the Maker Not) and a uPrint SE Plus all the time as part of my job. My first step after I have a concept and a drawing is to create a prototype for fit/form/function. Some materials can be strengthened by "painting" in superglue if you need tensile strengt...
by Crow Hunter
Tue Mar 10, 2015 7:38 am
 
Forum: Personal Consumer Issues
Topic: 3 D Printing
Replies: 25
Views: 1436

Re: At what point is it too much house? How much do we need

Another thing to keep in mind and something that we looked at before we bought our current home is how easy will it be to sell? 4,000+ sq ft homes in my area are pretty much concentrated in a few very small areas and the average buyer will not be able to afford one of them. That is why we bought a s...
by Crow Hunter
Mon Mar 09, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4654

Re: First Taxable Account

For instance I use VTIAX and VFWAX as TLH partners. They both have similar performance (and share 80%+ of the same stocks) but track different indices. I came to this conclusion this morning. Instead of buying TSM, I'm going to buy VTIAX. I hold Total Int'l Stock in my 401K too but since it's a muc...
by Crow Hunter
Mon Mar 09, 2015 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2305

Re: At what point is it too much house? How much do we need

Good responses so far. I grew up in a house of ~1600 sqft and there were four of us. The main issue was that there was only one functioning full bath, not that I felt excessively cramped. My wife's house growing up for four was larger, but by no means huge. I would guess maybe 2500sqft. I envision ...
by Crow Hunter
Mon Mar 09, 2015 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4654

Re: 3 D Printing

I use a Maker Bot (known here as the Maker Not) and a uPrint SE Plus all the time as part of my job. My first step after I have a concept and a drawing is to create a prototype for fit/form/function. Some materials can be strengthened by "painting" in superglue if you need tensile strengt...
by Crow Hunter
Mon Mar 09, 2015 2:09 pm
 
Forum: Personal Consumer Issues
Topic: 3 D Printing
Replies: 25
Views: 1436

Re: At what point is it too much house? How much do we need

In my limited experience, like a gas, you will expand to fill the space available and like a gas, you can compress up to the point that the pressure becomes greater than the strength of the container. :D I grew up in 1,250 sq ft with a family of 4 and we never felt cramped but I didn't really know a...
by Crow Hunter
Mon Mar 09, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4654

Re: First Taxable Account

I don't reinvest. I have them paid into the sweep account and usually buy more of VTIAX once I am sure I am not going to TLH. Focus some time on learning TLH. It is a powerful, powerful tool. You have to get it out of your mind that you are "selling at a loss". Assuming that you are not ta...
by Crow Hunter
Mon Mar 09, 2015 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2305

Re: What is the smallest amount you would invest in taxable?

It usually has to be thousands for me to bother with an mutual fund transaction. The small amount of earnings in $140 are not worth the time. I'd just put the $140 in my first tier EF until I could dump it into a ROTH. I already maxed my and my wife's ROTH's for the year. :mrgreen: I haven't done a...
by Crow Hunter
Mon Mar 09, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: What is the smallest amount you would invest in taxable?
Replies: 13
Views: 1329

What is the smallest amount you would invest in taxable?

I get a monthly dividend/interest payment that is roughly $130 +/- $20 from some taxable bonds. Right now I am sitting on ~$140 in my sweep account until the end of the month where I plan on combining it along with the March payment as well as my expected dividend payment from VTIAX and buy more VTI...
by Crow Hunter
Mon Mar 09, 2015 11:12 am
 
Forum: Investing - Theory, News & General
Topic: What is the smallest amount you would invest in taxable?
Replies: 13
Views: 1329

Re: 3 D Printing

I use a Maker Bot (known here as the Maker Not) and a uPrint SE Plus all the time as part of my job. My first step after I have a concept and a drawing is to create a prototype for fit/form/function. Some materials can be strengthened by "painting" in superglue if you need tensile strength...
by Crow Hunter
Mon Mar 09, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: 3 D Printing
Replies: 25
Views: 1436

Re: New funds in 401k Help

Would the FSEMX be suitable to pair with a S&P 500 index fund (in my case Wells Fargo/BlackRock S&P 500 Index CIT ER 0.04%) to approximate the Total Stock Market similar to Vanguard's Extended Market fund? Yes, in an 80/20 ratio. What is the group's opinion on WAPSX? WAPSX is a decent inter...
by Crow Hunter
Mon Mar 09, 2015 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: New funds in 401k Help
Replies: 2
Views: 286

Re: When will / did you claim Social Security benefits?

I will claim as early as possible. My reasons: Paternal Grandfather died at 62 Paternal Grandmother died at 82 IIRC Maternal Grandfather died in late 50's Maternal Grandmother died at 84 Paternal Aunt died at 83 Paternal Uncle died at 81 Father died at 62 Mother died at 68 My oldest living relative ...
by Crow Hunter
Mon Mar 09, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9885

Re: Anyone hold precious metal

Crimsontide wrote:Lead and Brass...


:)

Me too.

Been thinking about selling some M855 though since it at record highs right now.
by Crow Hunter
Mon Mar 09, 2015 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3349

Re: Step-up in basis for inherited assets - Question

Based on my understanding and experience recently. The basis is stepped up (or down) to whatever the value of the asset was on the close of business on the date of death regardless. There is an alternate valuation that the estate can use but I am not as familiar with it and I can't comment on exactl...
by Crow Hunter
Wed Mar 04, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Step-up in basis for inherited assets - Question
Replies: 8
Views: 631

New funds in 401k Help

Our 401k is changing some of our funds out. I am looking for some of the Borg's opinion on my utilizing some of these funds. 2 of the new funds that I am interested in: Fidelity Spartan Extd. Mkt Index Fund (FSEMX) ER 0.10% Western Asset Core Plus Bond (WAPSX) ER 0.43% Question 1: Would the FSEMX be...
by Crow Hunter
Wed Mar 04, 2015 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: New funds in 401k Help
Replies: 2
Views: 286

Re: Guns for hunting/defense

I am looking at one of these also for home defense, does anyone else have an opinion ? 2nd can you use any other type of shot like buckshot, rock salt, etc We have a Taurus Circuit Judge for home defense. 18.5" barrel, 5 shot revolver that can fire .410 shot shells and/or .45 long colt ammo. V...
by Crow Hunter
Tue Mar 03, 2015 8:44 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8024

Re: Guns for hunting/defense

All striker fired guns will work with the action you describe. (Most semiautomatic handguns without a visible hammer fall into this category) The distance for the striker tail to snap over the sear may be a little different but it will work. With DA/SA guns (and some striker guns), you can just pull...
by Crow Hunter
Mon Mar 02, 2015 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8024

Re: Guns for hunting/defense

<snip>If you can have someone rack the slide for you and leave it as it should be kept loaded with one in the pipe then all you need to do is shoot. 20 rounds may not be enough but 1 shot may be all that is needed, as I said all situations are unique. Also having another 19 round mag would allow yo...
by Crow Hunter
Mon Mar 02, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8024

Re: International increase in Target Retirement & LifeStrate

This worries me, and makes me wonder if I should just break my TR account into individual funds. Might be better in the long run anyway? According to https://personal.vanguard.com/pdf/ISGGEB.pdf diversification benefits taper off past 40% -- but I'm still not convinced when it comes to things like ...
by Crow Hunter
Fri Feb 27, 2015 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17446

Re: Interesting story on NPR, International Investing

So you are putting up Russia as an alternative? Some people believe that you shouldn't invest in what you don't understand. I know I can't really claim any understanding of Russian private property or Russian markets. Investing in something because it happens to be making a lot of money right now i...
by Crow Hunter
Fri Feb 27, 2015 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Interesting story on NPR, International Investing
Replies: 4
Views: 1253

Re: Anyone have one of those standing desks?

I made one at work about 5 years ago IIRC. I stand probably 75% of the day. I prefer to stand while I am working on my computer. Actually I am standing right now as I type this. :D I do sit down for meetings and when I am working on something that requires me to write. I started doing it because of ...
by Crow Hunter
Fri Feb 27, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: Anyone have one of those standing desks?
Replies: 26
Views: 2123

Interesting story on NPR, International Investing

Planet Money was discussing a can of Coke. Gist of the story: Coca-Cola has huge amount of sales overseas. The US market is currently doing great while the rest of the world is not quite as good. The USD is high relative to other currencies because of this. This is hurting their profitability. Howev...
by Crow Hunter
Fri Feb 27, 2015 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Interesting story on NPR, International Investing
Replies: 4
Views: 1253

Re: How does one increase their typing speed and accuracy?

I played video games growing up on the computer that required me to use the keyboard. Since I didn't want to take my eyes off the screen, I learned where the letters were. :D I think if you can figure out an engaging way to make you watch the screen instead of the keyboard you will learn. In high sc...
by Crow Hunter
Thu Feb 26, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4036

Re: Is a generator worth it?

To echo cheese_breath, it depends. It wouldn't be for me. We have gas logs for heat, a wind up emergency radio that can charge cell phones, candles/flashlights/oil lamps and playing cards/board games. We have lost power for up to 3 days before and while it wasn't "fun", it wasn't terrible ...
by Crow Hunter
Thu Feb 26, 2015 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5582

Re: Should you tip when picking up takeout food?

jstrazzere wrote:I consider tips as extra pay for really good service.

I don't consider handing over a bag of food at a takeout counter as service. Thus I don't tip.
Nor do I tip cashiers in the grocery store, ticket takers at the movies, bank tellers, dry cleaner workers, etc.


+1
by Crow Hunter
Thu Feb 26, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3912

Re: Raise was only 2.44%?

NeutrinoPerson wrote:Wow, Crow Hunter, are you me? :shock:


We may never know.

:twisted: :sharebeer
by Crow Hunter
Thu Feb 26, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4697
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