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Re: Reinvest Dividends (safely)

:thumbsup Smart Move reinvesting dividends :happy Reinvesting dividends is a Dumb Move if it is based on advice unencumbered by logic: "I've always done it this way and nothing bad has ever happened to me." It is a Smart Move if the investor has taken the time to understand the plusses an...
by House Blend
Sun Dec 21, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends (safely)
Replies: 21
Views: 1656

Re: Reinvest Dividends (safely)

I went ahead and changed my account to reinvest dividends automatically. I do not intend to TLH anytime in the near future, so I'm not going to worry about it right now. I am still using SpecID as the cost basis to make it easier should I decide to sell a few shares. Thanks everyone for the good di...
by House Blend
Sun Dec 21, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends (safely)
Replies: 21
Views: 1656

Re: [Why did my fund suddenly drop in value?]

^Interesting. Hadn't noticed that one before. Looks like the reinvest date is still the last market-open day of the month.
by House Blend
Sat Dec 20, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 137
Views: 11759

Re: [Why did my fund suddenly drop in value?]

I will be surprised if the proceeds show up in your bank account before after the close of business on Thursday night. It's a racket, given today's technology. Close of business on Thursday night? Thursday is Christmas--I don't think there will be many banks open for business that day. Banks genera...
by House Blend
Sat Dec 20, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 137
Views: 11759

Re: VTSAX / VTIAX Distributions

If you are reinvesting, the dividends will be visible as soon as VG updates account balances after the market closes today. (So, at some point this evening.) If you have dividends headed to your bank account, it depends in part on how fast your bank is at crediting ACH transfers. Based on past exper...
by House Blend
Fri Dec 19, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSAX / VTIAX Distributions
Replies: 4
Views: 829

Re: Upcoming distributions and TLH

placeholder wrote:
TIAX wrote:Is there any reason to not harvest both long term and short term losses?

No in fact harvest short term before they go long term.

A Boglehead will never have more short term gains than the combined total of her losses, so it will never matter how much of her losses are long vs. short.
by House Blend
Thu Dec 18, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 17
Views: 1314

Re: Upcoming distributions and TLH

Folks, If the record date for a Vanguard fund is 12/18, and you want to avoid the dividend, then you should buy on 12/19. Whether you should sell before and buy after depends on whether you want to risk being out of the market. The attraction is that you are killing two birds with one stone: if you ...
by House Blend
Tue Dec 16, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 17
Views: 1314

Re: TLH question

^VTIAX will distribute a dividend that is ~70% qualified at the end of this week. I'd rather exchange now and have that dividend, than exchange afterwards and have the one from VFWAX be 100% non-qualified. I will have to hold the VTIAX shares for 60 days starting from 12/15 to keep the 70% qualified...
by House Blend
Tue Dec 16, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 6
Views: 674

Re: TLH question

Here are some relevant transactions: ⋅ On 11/7/2014, I sold all of my VTIAX to buy VFWAX in my taxable. I did this to TLH. ⋅ On 11/17/2014, I bought some more VFWAX. ⋅ I do have VTIAX in my Roth IRA, but last buy transaction was done on 9/23/2014. Dividends are now set...
by House Blend
Tue Dec 16, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 6
Views: 674

NYT: Financial innovation from a small bank in Kansas

Interesting article in the NY Times about a tiny bank in Kansas being reinvented by a Silicon Valley couple.... http://dealbook.nytimes.com/2014/12/13/small-bank-in-kansas-is-a-financial-testing-ground/?_r=0 A federally regulated bank is not an impulse buy. For Mr. Ramamurthi, the idea ripened when ...
by House Blend
Mon Dec 15, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: NYT: Financial innovation from a small bank in Kansas
Replies: 1
Views: 664

Re: Rebalancing Question

^Whether an individual tax-adjusts or not doesn't change the fact that putting more stocks in a Roth and less in tax-deferred is not a free lunch. (I don't tax-adjust, but I am aware that I am paying for my lunches.) The extent to which the more-stocks-in-Roth portfolio has a higher expected return ...
by House Blend
Sun Dec 14, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 659

Re: Rebalancing Question

I think the standard answer is that expected returns from stocks are higher than bonds. Since Roth is tax-free, that is where you should hold stocks. Bonds (to the extent your AA allows) should be in Traditional Tax-Deferred accounts, tIRA and 401k. This is true if you do tax-adjust. Huh? Precisely...
by House Blend
Sun Dec 14, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 659

Re: What would you change about your retirement plan at work

We have a pretty d**n good plan, way better than average. (Generous match, institutional shares of many VG funds, clever arrangements that allow me to defer more than $46K/year from my own paycheck, not counting the match.) Employee count is in the 30K to 40K range. The only things I can think of to...
by House Blend
Fri Dec 12, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you change about your retirement plan at work?
Replies: 23
Views: 1465

Re: W2 & 401k Tax Estimate

Taxcaster or no taxcaster, it looks dubious to me: 1. You mentioned SS benefits. If have have SS income now, that has to be factored in. 2. No mention of your personal exemption(s) or your standard deduction. If Box 1 ("Wages, tips, and other compensation") on your W2 is $20K, and you with...
by House Blend
Fri Dec 12, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: W2 & 401k Tax Estimate
Replies: 4
Views: 482

Re: "Other tax" on my NJ paystub

Thanks for the info.
by House Blend
Thu Dec 11, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Other tax" on my NJ paystub
Replies: 3
Views: 402

"Other tax" on my NJ paystub

I've done some consulting work in New Jersey each of the past two years and will be filing a non-resident NJ tax return again in 2014. Looking over my last 2014 paystub, all the numbers make sense (Fed tax withheld, NJ tax, FICA,...) except $77.55 in a box labeled "other tax". Looking at m...
by House Blend
Thu Dec 11, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Other tax" on my NJ paystub
Replies: 3
Views: 402

Re: Should I put all stock in my roth

If you are spending $60K per year MFJ, you are most likely going to be firmly entrenched in the 15% Federal bracket. With no state tax, holding TSM in taxable will cost you 0 in taxes, and TISM will have negative tax costs......until the tax laws change, and/or you commence SS income. So without hei...
by House Blend
Thu Dec 11, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I put all stock in my roth
Replies: 11
Views: 1459

Re: Anyone have Bank pay incorrect RMD?

^Thanks for following up with the explanation. Regarding the FIL situation, recall that there was a moratorium in 2009. No RMDs were due for anyone. Sounds like maybe someone at the bank didn't get the memo, and overrode the software. Or maybe FIL/MIL were asking "where's our RMD?", and th...
by House Blend
Wed Dec 10, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have Bank pay incorrect RMD?
Replies: 12
Views: 1102

Re: Should I put all stock in my roth

Tax rates (Federal and State)? Single or MFJ? How soon will you be taking SS and RMDs? (It does look like your RMDs will be relatively light.) These are all factors. I'm sure your Flagship Rep will insist on knowing these things, so she'll have a distinct advantage over us. If you'll be spending 60K...
by House Blend
Wed Dec 10, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I put all stock in my roth
Replies: 11
Views: 1459

Re: Inherited IRA overdraw

For the record, if you inherit an IRA from a non-spouse, you cannot convert it to Roth, or transfer it to your own IRA.

And there's nothing wrong (no penalty) for withdrawing the entire balance. Just taxes.
by House Blend
Wed Dec 10, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA overdraw
Replies: 9
Views: 722

Re: Another (Basic?) Question On Bunching Deductions

My primary 'bunchable' deduction is state income tax (MA - around 5%), along with some charitable deductions. I just did a quick tally and it looks like my potential 2014 itemized deductions would equal very close to $6,200, so my thought process was that it might make sense, if possible, to prepay...
by House Blend
Wed Dec 10, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another (Basic?) Question On Bunching Deductions
Replies: 7
Views: 524

Re: Tax Exempt Bond Fund - Question

Yes. Selling a bond or bond fund for a gain is Federally taxable as a capital gain, no matter what kind of bond it is.
by House Blend
Tue Dec 09, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bond Fund - Question
Replies: 8
Views: 1080

Re: Vanguard TISM estimates low QDI?

Bumping this thread to point out that the December distribution estimates are now out, and the QDI for Total International is back in its usual range. Current estimate is 72% qualified dividends. https://personal.vanguard.com/us/insights/article/estimated-yearend-distributions-122014 The advisors br...
by House Blend
Tue Dec 09, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard TISM estimates low QDI?
Replies: 5
Views: 1070

Re: I Can't Smell The Coffee

I think most responders in this thread have misunderstood the OPs plight: he misses waking up to the smell of freshly brewed coffee. TheWiz offered a constructive suggestion: acquire a Significant Other. But this could turn out to be expensive. Or worse, it could turn out that the SO lacks either th...
by House Blend
Mon Dec 08, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4823

Re: "Double Rollover" 401k->403b->IRA

But an in-service rollover from your 403(b) to IRA while still employed is something that most plans don't allow any more. My impression is that in-service rollovers are still very commonly allowed, but only for employees that are > 59.5 years old. My employer has this option (but only for employee...
by House Blend
Sun Dec 07, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: "Double Rollover" 401k->403b->IRA
Replies: 5
Views: 665

Re: Anyone have Bank pay incorrect RMD?

I hope it does not turn out that the financial institution is charging large EWP for making RMDs. Where's the 1099? The 1099 should show the full taxable amount of the distribution. Penalties applied should show up in a separate box of that form. I would not file taxes without possession of the 109...
by House Blend
Sat Dec 06, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have Bank pay incorrect RMD?
Replies: 12
Views: 1102

Re: Assistance with new TIAA-CREF options

mathteacher, A few quick comments: 1. The Lifecycle Index funds (not to be confused with T-C's more expensive non-indexed lifecycle funds) are pretty good. If you value simplicity and low cost, it's a great option. It is a four-fund portfolio: US Equity Index, Developed Markets Index, Emerging Marke...
by House Blend
Thu Dec 04, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with new TIAA-CREF options
Replies: 9
Views: 895

Re: Early Retirement Roth Conversions

I'd be more in favor of aggressive conversion to the top of the 25% bracket if the OP weren't living a 15% bracket lifestyle, or had mentioned passing a big Roth account to the (grand)children as an explicit goal. I agree and don't agree. There is no point in pre-paying tax if the money is going to...
by House Blend
Wed Dec 03, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Roth Conversions
Replies: 11
Views: 1398

Re: Will Vanguard ever offer a passbook savings account?

A correspondent points out that it probably is not impossible for Vanguard to do what TIAA-CREF has done. I have not tried to winkle out the relationship between "2014 TIAA-CREF Trust Company, FSB. Member FDIC" and "TIAA-CREF." The bank site notes that "Investment, insuranc...
by House Blend
Wed Dec 03, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2363

Re: Early Retirement Roth Conversions

I'm wondering if you should convert up to the top of the 25% tax bracket (maybe $100k each year) to eliminate most of the tIRA before age 70. If you end up in the 25% bracket at RMD time, paying 25% now is a wash. If you end up in the 28% bracket in RMD time, paying 25% now saves you money. Maybe. ...
by House Blend
Wed Dec 03, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Roth Conversions
Replies: 11
Views: 1398

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

deanbrew wrote:The dollar amounts are small, but I'm miffed that John Hancock, the investment advisor and the estate attorney all failed to instruct us to start taking RMDs when my MIL's estate was settled.

Note that 2009 was an amnesty year: no RMDs required.

Probably made it easier for everyone to overlook.
by House Blend
Tue Dec 02, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 22
Views: 2084

Re: Re:

WHY is it a nightmare? i have a muni fund and i reinvest everything. SIMPLE AND EASY AND EFFECTIVE! +1. All our Vanguard mutual funds, including muni bond funds in taxable and equity funds, are set for reinvestment of dividends, have been for years. I have never been told by our accountant who prep...
by House Blend
Tue Dec 02, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: muni bond funds in taxable - reinvest dividends?
Replies: 26
Views: 5466

Re: Re:

Reinvest dividends and use average cost when paying taxes. Also, stop reinvestment and regular contributions 30+ days before selling to avoid the other complications associated with muni bonds (ie having to pay taxes on interest earned by shares sold within 6 months of purchase). For this reason, y...
by House Blend
Tue Dec 02, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: muni bond funds in taxable - reinvest dividends?
Replies: 26
Views: 5466

Re: Fixing an IRA Mixup

^I believe that the intent here was to roll a pre-tax 401k to a Roth IRA, which would make the distribution 100% taxable. Appears that the spouse and perhaps also the 401k custodian understood it this way, but the IRA custodian misunderstood it as a rollover to a trad IRA. Before proceeding further ...
by House Blend
Tue Dec 02, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixing an IRA Mixup
Replies: 10
Views: 957

Re: Some advice on TIAA-CREF (Trad/TREA)

So my father has a 403b at TIAA-CREF and it is 2/3 in TIAA Traditional and 1/3 in TIAA Real Estate. Other than Vanguard, this is his only other account, and we like it because of these two unique funds. He is getting RMD's from it at the moment. This sounds perfectly reasonable. Why the need for ch...
by House Blend
Mon Dec 01, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some advice on TIAA-CREF (Trad/TREA)
Replies: 7
Views: 752

Re: Why bother with Bonds? Norstad example

a) This one I would file under "Hindsight is 20-20." Easy to see now, in the days of 1 year CDs paying a fraction of 1%, that extrapolating 6% interest for 40 years is questionable. I do hope inflation was factored in. Any 40 year extrapolation should be based on guesses for real returns, ...
by House Blend
Mon Dec 01, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Why bother with Bonds? Norstad example
Replies: 6
Views: 1539

Re: Dividend Payment vs Share Price Fluctuation

My amateur opinion is that any effects are likely to be small. There could be a few companies now in crisis mode that might cut or cancel dividends that were *anticipated* in that $2.35/sh estimate, but have not actually been *collected* at (say) Vanguard. And probably not that many. I doubt that en...
by House Blend
Mon Dec 01, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Payment vs Share Price Fluctuation
Replies: 3
Views: 574

Re: My MMF just distributed a LTCG

Tramper Al wrote:My core/sweep tax-free MMF at Fidelity, FMOXX, just distributed a long term capital gain, albeit a small one.

Cool!

BTW, Vanguard MMFs have done this too.
See http://www.bogleheads.org/forum/viewtopic.php?t=123618
by House Blend
Fri Nov 28, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: My MMF just distributed a LTCG
Replies: 10
Views: 1414

Re: Capital loss or wash sale

Welcome to the forum. Yes, you have a wash sale. It's not a big deal. But why contemplate selling only 150 of your 300 shares? In your shoes, I would sell all 300 shares @ $22, for a total of $7,050 in short term capital losses. Later you will get to see interesting codes on your 1099, and you'll se...
by House Blend
Fri Nov 28, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital loss or wash sale
Replies: 3
Views: 701

Re: Roth IRA recharacterization help

For my 2011 tax return then, I listed $0 in IRA contributions. Maybe what you meant to say is that on your Form 1040, in the section for adjustments to income, you didn't enter any amount on the line for an *IRA deduction*. What you should have done with your 2011 taxes is file a Form 8606 reportin...
by House Blend
Fri Nov 28, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA recharacterization help
Replies: 2
Views: 632

Re: Max out 401k or 2nd Roth?

Welcome to the forum. There are plenty of situations where #3 should be placed above #2 on the priority list. And there have been occasional long arguments about it here. It mostly depends on factors that either you haven't told us about, or are unknowable. More specifically, what will your marginal...
by House Blend
Wed Nov 26, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out 401k or 2nd Roth?
Replies: 5
Views: 461

Re: Vanguard TISM estimates low QDI?

Updated 10/2014, the advisor site is showing ~40% qualified for TISM. Earlier this year the page was showing values more as we've come to expect. Other international funds seem normal. Anybody know why this may be, or is it perhaps just a silly error (hopeful). I noticed the same drop in Total Inte...
by House Blend
Wed Nov 26, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard TISM estimates low QDI?
Replies: 5
Views: 1070

Re: Wash sale

VG international growth will be a temporary holding. I intend to buy back VG Total International Index after the 60 days restriction is lifted. I am moving towards the 3 funds portfolio so I don't intend to buy back Oakmark international. oasis, The FTSE Large Cap fund, VFWAX, would have been a bet...
by House Blend
Tue Nov 25, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale
Replies: 5
Views: 654

Re: article in todays WSJ--stocks are risky even for millenn

Well, here's one millennial who has been happy plugging along with an all-stock portfolio since 2007... Why are my compatriots hoarding so much cash? Holding 50% of your portfolio in cash (as an accumulator) is the financial equivalent of hitting yourself in the face with a brick twice a week. You ...
by House Blend
Mon Nov 24, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: article in todays WSJ--stocks are risky even for millennials
Replies: 18
Views: 3741

Re: Bogleheads, anyone doing "Black Friday"

My Black Friday is for giving, not buying.

I do most of my charitable contributions for the year on that day.

But this year I jumped the gun and sent a large donation to the local food bank today.
by House Blend
Mon Nov 24, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5678

Re: Return Percentage Question

So, if I understand you correctly, to know whether or not my average annual return is on target with a 8-12% return, I should take my total investment value divided by my cost basis (contributions) and apply an exponential of 1/# of years. No that's not the internal rate of return, and no that's no...
by House Blend
Sun Nov 23, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Return Percentage Question
Replies: 7
Views: 399

Re: Questions about 401K rebalancing

1. Transferring 401k funds from one custodian to another has zero tax consequences. There is no "cost basis" in a 401k. 2. The main reason not to hold TISM in your 401k would be if you plan on tax loss harvesting the same fund (or a different share class of the same fund) in taxable. If th...
by House Blend
Sun Nov 23, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions about 401K rebalancing
Replies: 1
Views: 365

Re: How to Guarantee a Purchase Happens on a Particular Day?

I gather that you are relatively new to Vanguard. Given that you already have electronically linked your bank account to your Vanguard account, the simplest way to do it would be to login in to Vanguard anytime after 4pm (market close) on 12/30, but before the market closes on 12/31 (might be earlie...
by House Blend
Sun Nov 23, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Guarantee a Purchase Happens on a Particular Day?
Replies: 5
Views: 624

Re: Transferring S&P 500 index fund in kind

^Yes, it seems that we have different attitudes. I think it is similar to how some people dislike tracking error more than others. But here it is more like what I would call "internal tracking error", in that I don't like it when being out of market results in lower returns than my asset a...
by House Blend
Fri Nov 21, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring S&P 500 index fund in kind
Replies: 13
Views: 1386

Re: Transferring S&P 500 index fund in kind

I find it interesting that people are always so freaked out about being out of the market. It should be the case on average that being out of the market is harmful only to the extent of losing expected return multiplied by the length of exposure. That turns out to be a trivial amount for short time...
by House Blend
Fri Nov 21, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring S&P 500 index fund in kind
Replies: 13
Views: 1386
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