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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 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 979

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 10:42 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8728

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 8:37 am
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2163

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 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: # of funds in ideal/target portfolio?
Replies: 19
Views: 1287

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 2:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Developed Markets Fund Merger
Replies: 7
Views: 700

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 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Developed Markets Fund Merger
Replies: 7
Views: 700

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 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Campaigning for changing my employer's 401k
Replies: 7
Views: 473

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 3:01 am
 
Forum: Investing - Theory, News & General
Topic: Decumulation: Does tax efficiency matter (any more)?
Replies: 3
Views: 571

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

My crystal balls indicates the year will close at:

2121
by jidina80
Tue Jan 07, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10632

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 3:05 am
 
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 1532

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 3:04 am
 
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 1532

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
Sun Jan 05, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Somebody's making money off commodities - but it ain't you
Replies: 13
Views: 1508

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 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please, which Turbo Tax product?
Replies: 21
Views: 1395

How much value does the financial industry create?

That's the title of a powerful Op-Ed article on The Week magazine's website, addressing something most Bogleheads have probably thought about. The Finance industry does not create wealth by itself, but rather is 'overhead' that now consumes a huge percentage of the U.S. GDP. In the introduction the ...
by jidina80
Thu Jan 02, 2014 2:36 am
 
Forum: Investing - Theory, News & General
Topic: How much value does the financial industry create?
Replies: 9
Views: 1287

Re: Bogleheads 2014 Hedge fund contest

OPM Riot Fund
"Invest like there's no tomorrow"

Long:
BZH (Beazer Homes)
CBL (CBL REIT)

Short:
PIR (Pier 1 Imports)
SAH (Sonic Auto)
by jidina80
Tue Dec 31, 2013 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8435

Re: What Do You Make of This Chart?

My take on the chart is that it does, indeed, highlight destructive impact of investor behavior. Investors with DFA advisors have someone who probably advises against selling investments in bear markets and stay the course. Funds charging front-end loads show a similar correlation to less selling by...
by jidina80
Tue Dec 31, 2013 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: What Do You Make of This Chart?
Replies: 21
Views: 1930

Re: Obamacare and Cancellation of Non Conforming Insurance

Thanks for sharing the experience. A lot of 'wrinkles' but I'm glad that we can now compare health insurance plans that have the same minimum coverage on the state and federal exchanges. Wish we had the same for auto insurance. :) I try never to buy version 1.0 of anything until the bleeding edge ha...
by jidina80
Tue Dec 17, 2013 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and Cancellation of Non Conforming Insurance
Replies: 20
Views: 1563

Re: Advantages to Dual Citizenship?

The U.S. Department of State does not encourage dual citizenship: "The U.S. Government recognizes that dual nationality exists but does not encourage it as a matter of policy because of the problems it may cause. Claims of other countries on dual national U.S. citizens may conflict with U.S. la...
by jidina80
Thu Nov 28, 2013 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 2788

Re: US/International Allocation help!!!!

The range of 20%-50% foreign stock holdings is often recommended. However, given the relative paralysis of the U.S congress, and the increasing concentration of power that threatens long term U.S. success, I'm on the upper end at 40%-50% foreign stocks. Read the book "Why Nations Fail" for...
by jidina80
Mon Nov 25, 2013 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: US/International Allocation help!!!!
Replies: 19
Views: 1341

Re: Wiki (?) - Investing as an expat (US citizen living abro

Glad to see the beginnings of a Wiki page on taxation for U.S. expats. Do most foreign countries recognize and respect the tax status of Roth and Traditional IRAs? For many expat retirees it would be devastating if a foreign country could tax, say, Roth withdrawals as ordinary income.
by jidina80
Wed Nov 06, 2013 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Wiki (?) - Investing as an expat (US citizen living abroad)
Replies: 41
Views: 3235

Re: How do you "rent" movies?

No movie services exist where I live, so I use Bit Torrent for movie and TV downloads. If you have internet access, then you can use a streaming device such as Roku to watch movies with Netflix or rent them on Amazon Streaming Video. Are you saying that these services are not available where you li...
by jidina80
Wed Aug 28, 2013 12:27 pm
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5555

Re: How do you "rent" movies?

No movie services exist where I live, so I use Bit Torrent for movie and TV downloads.
by jidina80
Wed Aug 28, 2013 11:22 am
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5555

Re: Anyone feed the birds?

Yes, I feed birds. More than I'd like. They steal my papaya, mango, chili peppers and tomatoes all the time. Mynah birds are the worst.
by jidina80
Tue Aug 27, 2013 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 6106

Re: Drying clothes in the sun - worth the hassle?

I live in Fiji and line dry out of necessity. Two differences between sun drying and machine drying: 1) The ultra violet rays of the sun are very effective in killing any mold and fungus spores, thus help to keep clothing and bedding fresh. Much better than machines. 2) The sun also causes clothing ...
by jidina80
Thu Aug 22, 2013 3:23 am
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 5985

Re: Subaru VIP program

Subarus can be purchased below dealer invoice simply by emailing dealers for a quote. Earlier this year I bought a Subaru Outback significantly below invoice after emailing several dealerships with the exact model and options I wanted. I'm not saying the VIP program has no value, but it would be wor...
by jidina80
Mon Aug 05, 2013 1:16 am
 
Forum: Personal Consumer Issues
Topic: Subaru VIP program
Replies: 21
Views: 4082

Re: Seriously? Vanguard recommends 80% equities?

Again - it just seems like a HUGE dichotomy. I answered as someone between 50 and 55. - where age = Bonds would suggest ~1/2 bonds. Yet the same guy I now hear is recommending 20% bonds for someone in the same situation. Big difference. Even If we were assuming a 45yr old and Age-10%, that is still...
by jidina80
Wed Jun 19, 2013 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Seriously? Vanguard recommends 80% equities?
Replies: 21
Views: 3000

Re: VG Total International Bond Fund is open

I'm looking forward to learning the average duration and country mix when that information becomes available.

Can anyone share its expected correlation to other asset classes?
by jidina80
Fri May 31, 2013 10:52 am
 
Forum: Investing - Theory, News & General
Topic: VG Total International Bond Fund is open
Replies: 82
Views: 10611

Forbes: Fund Survivorship

Article on Forbes.com on mutual fund survivorship and the trend towards financial conglomerates ownership of mutual funds: http://www.forbes.com/sites/robertlenzner/2013/05/30/mutual-funds-biting-the-dust-at-an-alarming-rate/ Not much new info, but Bogle's input included in the article. ". . . ...
by jidina80
Thu May 30, 2013 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes: Fund Survivorship
Replies: 3
Views: 479

Re: Jack Bogle's suggestion for holders of total bond funds

baw703916 wrote:Much as I admire what he has done for investors, I have to disagree with him on this.


Why do you disagree? How about a little bit of explanation on why being more heavy in government debt is better than 2/3 corporate debt?
by jidina80
Tue May 28, 2013 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle's suggestion for holders of total bond funds
Replies: 28
Views: 5574

Re: reloaded [Forum and wiki were offline]

Apologies if this has already been explained, but: How did the forum lose a couple of days of activity due to a regional outage?
by jidina80
Fri May 24, 2013 2:11 am
 
Forum: Forum Issues and Administration
Topic: reloaded [Forum and wiki were offline]
Replies: 74
Views: 6606

Re: What were the little things that led you to index invest

My 3 Steps 1) My father explained to me, when I was a young adult, that the 1% annual fee a mutual fund charges is a percentage of assets , and if the fund makes 8% before the fee, the fee represents 12.5% of earnings . I didn't want to give anyone 12.5% of my gains. 2) Jane Bryant Quinn's 1991 book...
by jidina80
Wed May 22, 2013 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 3621

Re: Roth vs traditional ira poll

I believe the Roth can lower most people's lifetime federal income tax because it allows us to choose when to take the tax hit (investing in Roth) and when to minimize taxes by withdrawing Roth instead of declaring income from Traditional IRAs (TIRA) or taxable gains. This flexibility means a lot to...
by jidina80
Tue May 21, 2013 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Roth vs traditional ira poll
Replies: 52
Views: 3765

Re: Who is the next Jack Bogle?

I believe Elizabeth Warren is becoming the next major advocate for Americans over financial institutions that are soaking us. She won't exactly be a Jack Bogle, but she's already publicizing the lack of prosecution of bank legal breaches on our behalf.

Just.
by jidina80
Tue May 21, 2013 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Who is the next Jack Bogle?
Replies: 7
Views: 1194

Blackrock's Role in Corporate Governance

"BlackRock’s size is mind-boggling. With almost $4 trillion under management, it is, according to a recent University of Michigan study, the single largest shareholder in one of every five United States companies. It manages money from pension funds and endowments as well as retail investors, ...
by jidina80
Sun May 19, 2013 12:58 am
 
Forum: Investing - Theory, News & General
Topic: Blackrock's Role in Corporate Governance
Replies: 0
Views: 316

Re: A look at Vanguard's approach to proxy voting

Thanks for sharing. I wish Mister Booraem had addressed Vanguard's extremely poor marks in the past for their proxy votes as a "pay enabler" and rarely voting 'for' shareholder resolutions, compared to other mutual fund companies. Vanguard has one of the worst records regarding climate cha...
by jidina80
Tue Apr 23, 2013 11:19 am
 
Forum: Investing - Theory, News & General
Topic: A look at Vanguard's approach to proxy voting
Replies: 3
Views: 539

Re: Duration and Yield of Vanguard's New Int'l Bond Index Fu

. . . . It is the Barclays Global Agg Ex-USD Float Adjusted RIC Capped index. As per the subscription only Barclays site here are some of the stats: Duration: 6.65 yield 1.71% now these stats are for the non-hedged index. I don't know how the currency hedging would affect things. I think Vanguard h...
by jidina80
Mon Apr 15, 2013 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Duration and Yield of Vanguard's New Int'l Bond Index Fund
Replies: 7
Views: 1155

Re: Duration and Yield of Vanguard's New Int'l Bond Index Fu

Look at the prospectus, when it's available. I was under the impression that the index already exists, so we should be able to learn duration and yield today. Does anyone know? According to Vanguard on 2/6/13, the fund should be available for purchase at the end of the second quarter of 2013. https...
by jidina80
Sun Apr 14, 2013 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Duration and Yield of Vanguard's New Int'l Bond Index Fund
Replies: 7
Views: 1155

Re: Duration and Yield of Vanguard's New Int'l Bond Index Fu

chaz wrote:Look at the prospectus, when it's available.


I was under the impression that the index already exists, so we should be able to learn duration and yield today. Does anyone know?
by jidina80
Sun Apr 14, 2013 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Duration and Yield of Vanguard's New Int'l Bond Index Fund
Replies: 7
Views: 1155

Duration and Yield of Vanguard's New Int'l Bond Index Fund

What will be the approximate duration and yield of Vanguard's new Total International Bond Index Fund? It should be similar to the index it is intended to track, Barclays Global Aggregate ex-USD Float Adjusted RIC Capped Index (USD Hedged). However, I didn't find a Barclays index with exactly that n...
by jidina80
Sun Apr 14, 2013 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Duration and Yield of Vanguard's New Int'l Bond Index Fund
Replies: 7
Views: 1155

Re: Vanguard's principles for investing success

It's so nice to see that Vanguard created this summary document. They desperately needed it. Thanks for sharing, Barry. I had be pointing people to IFA's 12 Step program to learn the basics, in addition to Vanguard's 'Plain Facts'.. I might be able to point people to Vanguard for more now. IFA's stu...
by jidina80
Sun Mar 24, 2013 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's principles for investing success
Replies: 5
Views: 1037

Re: Need advice: Taking a year off to travel

Any tips, suggestions from folks who may have done this before? Think good and hard about what you're actually planning to do during the travel year. Unless you and your spouse are the kind of people content to just read, drink and/or surf the internet, you'll probably soon be yearning for somethin...
by jidina80
Sat Mar 23, 2013 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Need advice: Taking a year off to travel
Replies: 55
Views: 3426

Re: [POLL] What would you like Vanguard to change or improve

Other: Include Canadian stocks in the Developed Markets Fund.
by jidina80
Wed Mar 13, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6674

Re: What asset classes to put in a Roth?

.......There are many threads on this board that compare a ROTH and a tIRA. In the absence of changes in the tax rate and some inheritance issues which are really changes in the tax rate both types of accounts return the same after tax amount if both are funded with the same pretax amount. I.E a $1...
by jidina80
Sat Mar 09, 2013 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: What asset classes to put in a Roth?
Replies: 61
Views: 4697

Re: What asset classes to put in a Roth?

The Roth IRA does not have government as a co-owner taking future taxes, unlike one's Traditional IRA or taxable accounts, so it makes sense to grow the Roth fastest and let the government take it's taxes from the slower-growing accounts. jidini is concentrated on taxes paid but if you instead look...
by jidina80
Sat Mar 09, 2013 10:53 am
 
Forum: Investing - Theory, News & General
Topic: What asset classes to put in a Roth?
Replies: 61
Views: 4697

Re: What asset classes to put in a Roth?

To maximize after-tax returns, the asset class that is expected to have the highest returns usually belongs in the Roth IRA. The Roth IRA does not have government as a co-owner taking future taxes, unlike one's Traditional IRA or taxable accounts, so it makes sense to grow the Roth fastest and let t...
by jidina80
Sat Mar 09, 2013 6:15 am
 
Forum: Investing - Theory, News & General
Topic: What asset classes to put in a Roth?
Replies: 61
Views: 4697

Re: Why can US citizen expats not invest w/Vanguard?

It is a nusiance sometimes to deal with Vanguard as an expat. I maintain a U.S. address as my official address for Vanguard, and recommend you also do that. Almost all dealings with Vanguard can be done via the internet, and they DO accept calls (toll-free) from overseas about our accounts. I've nev...
by jidina80
Mon Feb 11, 2013 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Why can US citizen expats not invest w/Vanguard?
Replies: 63
Views: 9316

Re: What %age short/intermediate bonds do you hold now?

. . . . We all know interest rates will be rising sometime (no one knows when) but wonder if our duration of about 5.4 is too risky in a rising rate environment. Is anyone out there in the same situation? . . . We are all in this situation. However, I'm optimistic that U.S. interest rates will rema...
by jidina80
Mon Feb 11, 2013 4:08 am
 
Forum: Investing - Theory, News & General
Topic: What %age short/intermediate bonds do you hold now?
Replies: 26
Views: 1738

Re: Mean Reversion of Equity Prices: Less than Meets the Ey

First, the idea that stocks are less risky the longer the horizon is simply wrong. It relies on the idea that SD is lower over time for stocks. But that is irrelevant, the longer the horizon the wider the dispersion of potential outcomes, which of course makes stocks riskier. Stocks do have more va...
by jidina80
Mon Feb 11, 2013 1:11 am
 
Forum: Investing - Theory, News & General
Topic: Mean Reversion of Equity Prices: Less than Meets the Eye?
Replies: 38
Views: 2425

Re: early retire--Is it for me?

It's similar to Pascal's wager. If you can retire early and don't want to, no harm will be done. If you want or need to retire early and can't, you will be miserable. Exactly. The option to retire early is worth saving for. It is impossible to tell how we will feel about working in our 60's until t...
by jidina80
Tue Feb 05, 2013 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: early retire--Is it for me?
Replies: 38
Views: 3748
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