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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 2:12 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5524

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 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 3004

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 2:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing Taxes by Transfering Stock to IRAs
Replies: 1
Views: 276

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 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard fire me if I retire overseas? (Schwab better?)
Replies: 14
Views: 2202

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 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1988

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 3:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4652

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 3:32 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5325

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 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 8512

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 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 8512

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 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 8512

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 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1258

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 3:48 am
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1258

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 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1258

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
Wed Jul 02, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23710

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 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1825

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 11:02 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 3035

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 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6402

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 10:13 am
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 3535

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 1:34 am
 
Forum: Investing - Theory, News & General
Topic: "Investors, How Dumb Are You?"
Replies: 51
Views: 6225

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 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3654

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 3:59 am
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 4686

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: 1698

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: 12729

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: 2280

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: 29
Views: 2334

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: 1183

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: 1183

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: 489

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: 586

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: 536
Views: 14112

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: 1673

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: 1673

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: 1547

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: 1858

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: 1334

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: 155
Views: 14022

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: 1955

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: 1642

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: 3227

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: 1369

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: 3654

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: 6084

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: 6084

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: 7073

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: 6740

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: 5620

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: 3048

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: 11835
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