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Share Your Badassity / Re: Mortgage payed off today!
« Last post by MajorFacepunch on Today at 02:34:47 AM »
I paid my mortgage off over 3 years (2010 - 2013). The value was 153,000. Over that period my investments would have averaged 5-6 perfect and my mortgage was 3.69. Theres approx 10k difference that I would have been better off investing, but the weight off my shoulders for having 1 less bill is worth it.

If you are paying off your mortgage over a longer period I could see the benefits of investing over paying off. Especially with rates so low. Can they stay this low forever? That a consideration also

Anyway congratulations, it a huge achievement and one of the major milestones on the road to FI
Investor Alley / Vanguard dividend tab help and general dividend questions
« Last post by Druid on Today at 02:34:39 AM »
Distributions for this fund are scheduled Quarterly

Dividend and capital gains distributions
Distribution Type   Most Recent
Distribution   Record Date   Reinvest Date   Payable Date   Reinvest Price   Distribution Yield   SEC Yield
Dividend   $0.88300   09/18/2014   09/19/2014   09/22/2014   $185.43                              1.95%  B
Dividend   $0.81500   06/19/2014   06/20/2014   06/23/2014   $181.01      
Dividend   $0.78500   03/20/2014   03/21/2014   03/24/2014   $172.03      
Dividend   $0.92000   12/20/2013   12/23/2013   12/24/2013   $168.41      
Dividend   $0.79300   09/19/2013   09/20/2013   09/23/2013   $157.56      
Dividend   $0.74300   06/20/2013   06/21/2013   06/24/2013   $146.71      

Ok so if I am reading this correctly dividends are paid out every quarter as reflected by the .88, .815, .78, .92(so just over 3% of dividends over last year)? Am I reading this correctly? If so what is that SEC Yield figure of 1.95%?

Sorry if this is really basic stuff, but does Vanguard send you a quarterly dividend check in the mail or do they reinvest it? My guess is you get to choose(but either way you need to pay ordinary income tax)?

I am trying to figure out my retirement tax planning strategy with the 4% rule, and I now feel stupid I never factored in dividend income. For example if i withdraw 4% annually from a million dollar portfolio a big percentage of this would be taken from dividend checks for efficiency reasons?

I am wondering if people who follow the 4% rule invest in growth stocks to try to tilt their portfolio more towards the favorable capital gains tax rates, or do they just reinvest the dividend each quarter and make monthly withdrawals on the principle. What is the most tax efficient way to do this?
Investor Alley / Re: HSA investment options
« Last post by sb_NoVA on Today at 02:29:33 AM »
Yes indeed.  For example mine is direct deposited into Aetna / Chase, but I just transferred $9000 from there to a new HSA at ELFCU this month.  ELFCU has the same TD Ameritrade investment options as HSA bank and slightly lower fees and minimum balances.  My transfer was free on both ends and my direct deposit still goes into Chase.

This is good to know.  I'm starting HSA with Optum bank in 2015.  Does Vanguard accept Incoming HSA transfers?
Investor Alley / Re: Australian Investing Thread
« Last post by superannuationfreak on Today at 02:17:07 AM »
What do people think is the better long term option - the hedged or unhedged version of Vanguards new World Ex-Australia ETF?

For the long term I prefer unhedged.
- Hedging is imperfect and does create some drag in returns
- In expectation over the long term a costless perfect hedge should be neither positive nor negative
- Historically for those with a long horizon and less than about 50% international equities results have been stronger without hedging for Australians, providing better diversification (See page 5: ).
- The currency hedging throws off income so isn't tax efficient

In the past I've split 50:50 hedged to unhedged (which I think will also be fine) but now more than 90% of my international equities are unhedged.
Ask a Mustachian / Re: New job: take it or leave it?
« Last post by Spondulix on Today at 02:11:26 AM »
One thing I learned being a contractor is that you have to include your commute time into your salary, cause it is cutting into your personal time. You wouldn't sitting in your car that long every day by choice, right? So, would you consider taking a job that offered the same or less hourly for the *possibility* of advancement, and you'd have to leave the neighborhood you like?

To me, that's giving up a lot in the present for something in the future that doesn't even have a guarantee. Unless you are in an industry/area that really doesn't have comparable jobs come up, I'd say wait for a better opportunity.
Off Topic / Re: Grammar nazi
« Last post by Malaysia41 on Today at 02:07:20 AM »
In school I was taught to never begin a sentence with 'but'.  At some point I discovered this to be yet another Victorian construct, and in fact, beginning a sentence with 'but' is perfectly okay. 

Now, I'm reaping an unexpected reward; every time I begin a sentence with 'but' I revel in an act that feels very very naughty.  But I know it's actually okay. 

Let's just say it's a gratifying indulgence. 

But that's stupid right?  IDC - it is what it is.  I just have to be careful.  Sometimes I go overboard, starting with the 'but'.
Ours costs 80 every 7 weeks for shoes and 80 a year for vaccinations. Apart from 80 per year on hay thats pretty much it. Own land and stables. We do the work.
Mini Money Mustaches / Re: How to teach a Five year told to save?
« Last post by tofuchampion on Today at 01:58:57 AM »

Does your child have anything he wants (where the want lasts longer than a day) that costs a lot? Like a large Lego set? This could be a useful goal.

+1.  My son didn't ever save until he decided he wanted a Nintendo DS.  He did extra chores to earn the money, and it took about a year for him to accumulate $70, which then paid for a used DS and one game.  During the saving process, whenever he'd want to buy something frivolous (almost always a cheap toy from the Target dollar section), I'd remind him that buying it meant that much less money for the DS.  He almost always decided against the toy.

He's a bit older than 5, though.  He's 9 now, bought the DS a year ago, starting saving 2 years ago.

Still, having a reason to save was the first thing that got him saving.  Could work with a 5-year-old as well, though probably with something that won't take a year to save for.
Investor Alley / Re: Australian Investing Thread
« Last post by AustralianMustachio on Today at 01:48:42 AM »
What do people think is the better long term option - the hedged or unhedged version of Vanguards new World Ex-Australia ETF?

Clearly in the short to medium term the unhedged one looks more appealing, with the falling dollar predicted to continue. But for the long term, if one was to contribute regularly over the next decade and more, is it better to go hedged?

At least in the short term, my unhedged holding of VTS has balanced out VAS nicely. As the AUD fell, the "carry trade" appeared less attractive for the international investors, and the banks sold off. This dropped the value of VAS and VHY, but the falling dollar vs the USD also lifted the value of VTS.

Plaza 66 is Henglong Guangchang in Chinese (恒隆广场), address is 南京西路1266 -- but you get the most hits if you cut and paste the name of the building into the search. 

If you click on the link below it should take you to a map with the location of the building marked with an orange arrow.  The green arrows around it point to different apartment complexes.  It says how many rentals are available in each complex -- but be forewarned that one rental is typically listed by several agents.  But poking around a bit on the map should give you an idea of prices, layouts, etc.  If you see a complex that looks good, I would post a message on the Shanghai Expat board asking if anyone lives/knows people who live there and if they can suggest a local agent.  Will there be someone in your company who can help you with a search? Here in Beijing the English-speaking agents charge a premium, and assume it is similar in Shanghai.

Apartment sizes here are listed in sq m, not sure how much 660 sq feet is.  A 1/1 layout is a one bedroom with 1 living area.  Typically there will be a small dining area as well, but in a small apartment it will be joined with a living room. 

I've only ever spent one night in Shanghai so can't really speak to the issue of best developments/areas.  Looking through the listings does really help to narrow your search, though.  There are a few funky French Concession apartments in the area -- tend to be very small and often have REALLY quirky layouts, but might work for two people who are flexible.  Pricey for what you get, though.  And be aware that the issues of cold/damp are serious in those old buildings -- my US grantees who come to Beijing for research and decide in August/September that they want that cool, funky hutong living experience are usually kicking themselves by November when they are trying desperately to stay warm and all their expensive electric-heated air is flying out through the poorly insulated doors and windows (and sometimes cracks in the walls and ceilings...)


660 sq ft is around 61 sq m.

Appreciate the advice regarding French Concession. Will certainly be looking for a well insulated place, can always admire the quirky buildings from the street.

Thanks for the link as well, will have a play around on the site.
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