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Re: Vanguard governance and investor rights

I've wondered this myself. As a long-time Vanguard investor, I don't recall ever being asked to vote on Vanguard or fund governance.
by jidina80
Mon Apr 27, 2015 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard governance and investor rights
Replies: 2
Views: 123

Re: Restaurant tipping

Found this related article on the web: http://www.attn.com/stories/1041/to-tip-or-not-tip Excerpt: "as it turns out, people don't tip based on service, anyway. Cornell professor Michael Lynn told the Daily Dot that "female servers make more than men do, blondes earn more than brunettes, an...
by jidina80
Wed Mar 25, 2015 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12582

Re: Restaurant tipping

In Fiji we have no tipping whatsoever, and it's great. Tax (VAT) is included in all prices, too, so the price one sees on a menu or shop shelf is actually what one pays going out the door. If you want good service here, treat the service provider with respect and perhaps a little humor. Some fancy h...
by jidina80
Wed Mar 25, 2015 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12582

Re: Is There a Next Jack Bogle

There will never be another Jack Bogle.

[OT comments removed by admin LadyGeek]
by jidina80
Tue Mar 17, 2015 1:42 am
 
Forum: Investing - Theory, News & General
Topic: Is There a Next Jack Bogle
Replies: 37
Views: 3943

Re: Poll: Increasing international equities

I increased my foreign stock holdings from 30% to 40% a week or so ago because of a compelling post with charts on this forum showing the PE ratios of various foreign markets. I did not change because Vanguard changed, so I voted 'other'. Vanguard has been slow to adopt foreign stocks, inflation-pro...
by jidina80
Wed Mar 04, 2015 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 4038

Re: Birthday gift ideas for a 7 year old chess player

A good wooden chess set (pieces and board) would be a good choice. See 'House of Staunton' and uschess.org for some of the best. However, there is nothing better than a good chess coach at this age. Hard to find unless the child is in a major metropolitan area. I am a FIDE (International Chess Feder...
by jidina80
Mon Jan 19, 2015 3:18 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1565

Re: Do you usually order beverage at restaurants?

I find the tap water in most restaurants to be awful. I always order something else to drink. The tap water in restaurants is similar to the residential tap water in the area. If local tap water is good, the restaurants are filling your glass with it. If you dine in an area with bad water, I unders...
by jidina80
Fri Jan 02, 2015 1:37 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7809

Re: Bogleheads 2015 Hedge Fund Contest

Fund Name: Smokin' Genetics

Long:
Monsanto - MON
Amgen Inc - AMGN
Gilead Sciences - GILD

Short:
Loews Corp - L
Altria Group - MO
Reynolds American - RAI
by jidina80
Wed Dec 31, 2014 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 146
Views: 14626

Re: Tipping for take out

Tipping has become so unrealistically out of hand in the U.S. First it was 10%, then 15% now 18% or 20%. And tipping the garbage guy, postman, and takeaway is crazy. In most cases they simply did the job they are paid to do. In Fiji, there is ZERO tipping. I've had tourists offer to pay me for rides...
by jidina80
Mon Dec 29, 2014 1:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 74
Views: 8772

Re: Do you usually order beverage at restaurants?

I've saved thousands of dollars over my 30 year career by drinking tap water instead of iced tea or a coke at lunch every day. Water is my preferred drink anyway, but now it's $2 or so for iced tea at many restaurants. That's just nuts. I prefer not to get fleeced by the restaurants' drink pricing r...
by jidina80
Mon Dec 29, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7809

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

If I go with the free "Deluxe" version of TurboTax, without Schedule D, what happens when I download my data from Vanguard? Does it not populate Schedule D and hit me up to upgrade? Is Schedule D still available to load manually in 'Forms' mode?
by jidina80
Thu Dec 11, 2014 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 31757

Re: Poll: Your Portfolio Tax Diversification

I answered 'none of the above.'

My portfolio is approximately 30% taxable, 55% traditional IRA and 15% Roth. Retired & spending down.
by jidina80
Wed Dec 10, 2014 2:56 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2805

Re: Vanguard Turbo Tax prices anounced

Last year the TT Deluxe edition handled Schedule D which was free. It appears this year one must upgrade to the Premiere edition for $9.99 to include Schedule D. I hope I am wrong about that. As most investors probably do, I need Schedule D. It's absurd to call a tax filing product "Deluxe&quo...
by jidina80
Tue Dec 09, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 15719

Re: If your networth is over $3 million, how did you do it?

If you have a household with two professional careers, it is easy if you live entirely off of one salary and invest the other in a simple 3-fund portfolio. In a couple of decades you will likely have well over $3 million. That's exactly how I got there. Dual income, no kids. Started in our mid-thir...
by jidina80
Fri Nov 28, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 51842

Re: Couch Surfing

I've hosted couch surfers approximately a dozen times. Always a good experience. Most are great about helping in the kitchen and cleaning up after themselves. Hosts and surfers both benefit from the references of previous surfing experiences on the Couchsurfing website. The only negative I've experi...
by jidina80
Fri Oct 10, 2014 1:12 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 6233

Re: Biggest discretionary expense in retirement?

The 'big ticket' purchases are my largest discretionary expenses. A new vehicle and other capital purchases can often be delayed for a few years.
by jidina80
Mon Sep 22, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 3267

Minimizing Taxes by Transfering Stock to IRAs

Some good advice here on how to minimize income taxes: http://www.bloomberg.com/news/2014-09-17/how-to-join-9-000-u-s-taxpayers-with-romney-sized-iras.html Excerpts: “The key is that you transfer the stock directly from the company to your IRA,” [when it has a low initial value]. "Max Levchin, ...
by jidina80
Wed Sep 17, 2014 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing Taxes by Transfering Stock to IRAs
Replies: 1
Views: 307

Re: Will Vanguard fire me if I retire overseas? (Schwab bett

I've lived overseas for six years now, and still hold Vanguard U.S. accounts. Vanguard knows I am overseas most of the time, but as long as I maintain a U.S. residential address for all Vanguard dealings, everything is smooth with Vanguard. There are a lot of expats and military personnel in this si...
by jidina80
Sat Aug 30, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard fire me if I retire overseas? (Schwab better?)
Replies: 14
Views: 2343

Re: Stopping Junk mail from USPS

It's not the USPS, it's the places sending the stuff. It IS the USPS in some cases. I was told by a USPS employee that there is no way for me to stop the weekly newspaper-ish advertisements that come to my U.S. townhouse mailbox. Apparently the USPS is paid to deliver one in every residential addre...
by jidina80
Sun Aug 24, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2130

Re: Who or what inspired you and your investing approach?

In 1991, Jane Bryant Quinn's book "Making the Most of Your Money" was a major influence. In 1994, Bogle's book on mutual funds. After that, everything else pretty much only confirmed those basic principles.
by jidina80
Tue Aug 12, 2014 2:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4919

Re: Dumb 3rd grade math question about beach house rental

Lesson learned:

The involved parties should have agreed on how to split the cost before the rental. Similarly with a dinner check.
by jidina80
Thu Jul 31, 2014 2:32 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5824

Re: US citizens abroad cannot invest through [Fidelity]

Vanguard for a long time has refused to provide its Flagship financial planning services to me when I'm physically outside of the U.S., even though the only address I ever use - for Vanguard and all U.S. financial and legal correspondence - is a U.S. address. Do you also use a US-based phone number...
by jidina80
Wed Jul 02, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 10124

Re: US citizens abroad cannot invest through [Fidelity]

Vanguard for a long time has refused to provide its Flagship financial planning services to me when I'm physically outside of the U.S., even though the only address I ever use - for Vanguard and all U.S. financial and legal correspondence - is a U.S. address. Do you also use a US-based phone number...
by jidina80
Wed Jul 02, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 10124

Re: US citizens abroad cannot invest through [Fidelity]

Vanguard for a long time has refused to provide its Flagship financial planning services to me when I'm physically outside of the U.S., even though the only address I ever use - for Vanguard and all U.S. financial and legal correspondence - is a U.S. address. This could be a blow to U.S. armed force...
by jidina80
Wed Jul 02, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 10124

Re: High Dividends in Developed Markets Fund

Developed markets skew dividends to the first half. Most European companies pay dividends annually in April-May. The US is unusual with the standard of quarterly dividends. Even the UK is only semi annual in general... Good theory, and it makes sense, but the anomaly in the Developed Markets fund a...
by jidina80
Wed Jul 02, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1289

Re: High Dividends in Developed Markets Fund

The sad truth is that the companies you invested in are making a lot of money and paying fat dividends. While Vanguard would like to spend all that cash on new Mercedes for its portfolio managers, it regrettably has no choice but distribute the funds to you. It's a tough spot to be in. All we can d...
by jidina80
Wed Jul 02, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1289

High Dividends in Developed Markets Fund

Why is my Developed Markets Fund yielding such high dividends? My year-to-date dividend is already $6,830 on a balance of approximately $275,000. That's 2.5% and it's only mid-year (1.3% in April (old fund) and 1.2% in June). Last year was approximately half this level, all distributed in December o...
by jidina80
Wed Jul 02, 2014 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1289

Re: The Millionaire Next Door: Are You One?

I live relatively modestly compared to what I can afford, but I think my friends and former-coworkers have a pretty good idea of my financial situation. I retired seven years ago in my early fifties. That's a big clue.
by jidina80
Tue Jul 01, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 24923

Re: Would you change stock allocation based on market condit

The stock portion of my portfolio varies +/- 5% depending on whether stocks seem cheap or expensive. I buy a little more stock when they seem cheap and buy a little less when they seem expensive. I consider mostly PE10 or PE with an estimate of sustainable earnings, but all fuzzy math - I don't use ...
by jidina80
Sun Jun 22, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1852

Re: [Poll] Have you taken any Investments course?

I took Morningstar's Investing Classroom online courses approximately 10 years ago. I found it helpful and fun.

http://www.morningstar.com/cover/Classroom.html
by jidina80
Fri Jun 20, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 3092

Re: Why is Tilting and Slice&Dice so popular in this forum?

Tilting and dicing are done in attempts to squeeze a little more juice out of the stock markets. Some people can't leave well enough alone. It's hard to sit on one's hands instead of tinkering with a portfolio. It probably does little harm if they have the stomach to watch their tilted funds under-p...
by jidina80
Sun Jun 08, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6623

Re: Recommend a 1 month trip abroad.

What do you actually want to DO during your one month vacation? That answer should narrow down your choices.

If you want to experience different cultures, southeast Asian countries and China would be my choice over Europe. Vacationing in developing countries is not for everyone, though.
by jidina80
Tue Jun 03, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 4679

Re: "Investors, How Dumb Are You?"

The behavior of the 'average' investor makes a strong case for the contrarian investor - overweight stocks when they're cheap, underweight when they're expensive.
by jidina80
Sun May 11, 2014 12:34 am
 
Forum: Investing - Theory, News & General
Topic: "Investors, How Dumb Are You?"
Replies: 51
Views: 6310

Re: Where are the Opportunities now ?

Awww, guys, you're being too hard on the original poster. There's nothing wrong in my mind with tilting one's portfolio a little more towards stocks, or bonds, based on valuations. Or tilting overseas stock versus U.S. stock, or 'value' versus 'growth' stocks based on valuations. Or including/exclud...
by jidina80
Sat Apr 26, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3783

Re: POLL: what's the deal with Tuna Fish?

No vote option for my preference: I prefer raw, fresh Yellow Fin, thinly sliced, but on sandwiches will make due with either oil or water CHUNK/SOLID tuna, not flaked. Buying tuna in oil almost eliminates the need for mayonnaise, but buying cans in water water is good too because I like mayonnaise. ...
by jidina80
Mon Apr 21, 2014 2:59 am
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 6197

Re: Tax audit poll

My U.S. federal tax return was fully audited by the IRS approximately 10 years ago. It was triggered because someone in New Jersey earned income using my social security number and of course I hadn't claimed it on my tax return. I didn't itemize deductions but had capital gains and needed to justify...
by jidina80
Fri Apr 11, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 1935

Re: Why Americans are Retiring Overseas

. . . I live abroad, and the vast majority of my expat friends did not move abroad for financial reasons. Several are much wealthier than me, and many of us could live pretty much anywhere on the planet if we wanted to, absent visa considerations. I agree completely. I retired (early) overseas beca...
by jidina80
Tue Apr 08, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13149

Re: How Many Properties Do You Own?

Three
1. Primary residence in Fiji
2. Townhouse in the U.S.A.
3. Timber land in the U.S.A. (inherited)
by jidina80
Tue Apr 01, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2302

Re: POLL: # of funds in ideal/target portfolio?

Six 1. Total U.S. Stock Market Index 2. Total International Stock Market Index 3. Total U.S. Bond Market Index 4. Intermediate Term Corporate Bond Index 5. Short-term Treasury Inflation-protected Securities 6. Total International Bond Fund My portfolio is modeled after Vanguard's Target Retirement F...
by jidina80
Sun Mar 30, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: # of funds in ideal/target portfolio?
Replies: 29
Views: 2358

Re: The Serenity Prayer

God grant me the serenity to accept the things I cannot change; courage to change the things I can; and wisdom to know the difference. Best wishes. Taylor Taylor, I don't know where you're coming from with that kind of comment, but I try to tax-manage my income as a retiree and can't afford any big...
by jidina80
Fri Mar 07, 2014 1:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Developed Markets Fund Merger
Replies: 7
Views: 1302

Developed Markets Fund Merger

Will the merger of Vanguard Developed Markets Fund into Vanguard International Tax Managed Fund likely to have any unfavorable tax consequences for investors as a result of the merger? I browsed the "Important Information" document that Vanguard sent, but did not find the answer to such an...
by jidina80
Thu Mar 06, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Developed Markets Fund Merger
Replies: 7
Views: 1302

Re: Campaigning for changing my employer's 401k

A few comments: Consider asking to join the committee reviewing the fund choices. Alternatively, ask to sit in on the meeting. "Plan administration expenses" is not the same thing as fund expenses. Even if your company pays the plan expenses, you're still picking up the tab for fund expens...
by jidina80
Thu Feb 06, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Campaigning for changing my employer's 401k
Replies: 10
Views: 1059

Re: Decumulation: Does tax efficiency matter (any more)?

When you reach the point that you need to make withdrawals from tax-advantaged accounts, do you have to worry about the tax efficiency of your overall portfolio? I submit, the answer is "No". L. Worry? No, but of course tax efficeincy matters. Roth and traditional IRAs are both tax-advant...
by jidina80
Fri Jan 31, 2014 2:01 am
 
Forum: Investing - Theory, News & General
Topic: Decumulation: Does tax efficiency matter (any more)?
Replies: 3
Views: 591

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

My crystal balls indicates the year will close at:

2121
by jidina80
Tue Jan 07, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 16257

Re: How are Vanguard fund managers paid?

I'm curious, too. Especially after Vanguard bond fund index managers invested too heavily (more than market weight) in Enron and WorldCom that caused the index fund to fare so poorly. That major [(mess up) --admin LadyGeek] cost investors millions. I'd like to learn how their compensation might hav...
by jidina80
Tue Jan 07, 2014 2:05 am
 
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 1878

Re: How are Vanguard fund managers paid?

I'm curious, too. Especially after Vanguard bond fund index managers invested too heavily (more than market weight) in Enron and WorldCom that caused the index fund to fare so poorly. That major [(mess up) --admin LadyGeek] cost investors millions. I'd like to learn how their compensation might have...
by jidina80
Tue Jan 07, 2014 2:04 am
 
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 1878

Re: Somebody's making money off commodities - but it ain't y

http://servowealth.com/resources/articles/somebodys-making-money-commodities-it-aint-you .... Great analysis. Thanks for sharing. I'm curious to learn how Larry Swedroe views commodities' returns, and their diversification and inflation-hedging benefit for investors today, since he appeared to advo...
by jidina80
Sat Jan 04, 2014 11:25 pm
 
Forum: Investing - Theory, News & General
Topic: Somebody's making money off commodities - but it ain't you
Replies: 13
Views: 1565

Re: Please, which Turbo Tax product?

I downloaded TurboTax Deluxe 2013 and it does include schedule D.

It's only the online version that doesn't have it.
by jidina80
Sat Jan 04, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please, which Turbo Tax product?
Replies: 21
Views: 2179
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