I am in! I have dinner plans the next two nights with the same group of friends so I’ll have to think of two different outfits, get ready everyone.
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Also oversized sweater with leggings/jeans, but worn with thigh high boots. Boots with rounder or almond toes, chunky heels.
My jeans are still mostly skinnies for everyday, but I have a dark flared pair for fancy and a medium wash boot cut for a not trying super hard, but nicer look. Skinny jeans are just so easy for wearing with boots. Tall boots- skinny jeans, ankle booties- cuff those skinny bad boys,
Straight boyfriend or mom jeans will not make an appearance in my closet. Long butt is a serious issue and one I’m not about to chance.
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Hm, I don’t know. I would think the settings are for that particular pdf and not the machine, but I don’t really know…
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More and deeper digging suggests I could override local settings if I edit every single link, but there will be thousands in this document (it’s our accreditation document). Am looking at possibly making the whole thing html instead.
Thank you, though!
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I guess I am wondering if, if the point of having investments that provide dividends, if it makes a difference if they are in tax advantaged accounts or not. In other words, if they are in a roth IRA or roth 401(k), what happens to the dividends when they are paid out? Are they not accessible before age (uh… 59.5(?)) since they are in a roth vehicle? Or do the dividends get dispersed despite being generated by a fund in a roth?
I initially was thinking that I needed to have them in a taxable account to be able to access the dividends, even though “tax-wise” it’s less ideal, because I am not old enough.
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oh god, I would definitely not. 
Compiling it as html sounds like a completely reasonable alternative! Adobe products can be tricky beasts.
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DO IT!
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If they are in a Roth and you take only qualified distributions (the two biggies I think are age 59.5 and the Roth was opened at least 5 years ago, but read the fine print), there will be no taxes or penalties. The dividends must remain in the Roth - they can reinvest in the same fund or a different one or land in a settlement fund.
If in a taxable fund, you will receive a 1099-DIV regardless of if you re-invest or take the funds as income. Ordinary dividends are taxed at your marginal tax rate; qualified dividends and capital gains receive special treatment.
In a traditional IRA, the taxes will be deferred until you take a qualified distribution, but the dividends will all be taxed at your marginal tax rate. Unfortunately IRA distributions do not qualify for capital gains treatment.
As for which is better - I’ll leave that for others to hash over. It kind of depends on when you need the income and how much of the distributions are qualified dividends / capital gains.
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OK, potentially basic question for other homeowners. We bought a house this year and put ~10% down. We pay $95.94 in PMI each month, so if nothing changes, we will pay $1151.28 per year, or $8058.96 total until we don’t need to pay it anymore. We’ve been told that, as the value of our house increases, we may be able to refinance as soon this year so that we wouldn’t have to pay PMI anymore. Great!
In that case, we’d be on the hook for closing costs. Closing costs were ~$15K when we bought the house, and would be ~$10K if we budgeted for 2% of the current mortgage value.
Given that these numbers basically balance out, it seems like it wouldn’t be worth it to refinance for just this reason, right? Please let me know if I’m missing something obvious: I have not taken the GRE for a long time, but since both PMI and closing costs are approximately set percentages of the mortgage, if it’s the case here, this should always be the case, right?
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I think when we talked to our mortgage person, we just needed to APPRAISE high enough, not re-mortgage. You only refinance too to get better rates on top of eliminating PMI. So like $400, versus closing costs.
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I knew I had to be missing something! Thanks.
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This is good to know about the dividends within a Roth. It’s what I sort of figured, but wasn’t 100% sure. With the Roth IRA I know I can withdraw my contributions before 59.5 and not pay any penalty, but the thing I was not clear on was dividends (if disbursed).
It’s kind of moot I guess, though, my whole goal is to be able to receive the dividends (not necessarily reinvest) over the next 5 years (and beyond) once I quit my job. I don’t have (yet) enough available funds that are easily accessible, and won’t be able to do a Roth ladder until I quit (I should have started when I quit last time but did not, very big mistake on my part). It will be a minor source of income, but I am not close enough to 59.5 for qualified distributions and I don’t have enough contributions to the Roth IRA to easily sustain me for an entire 5 years (yet).
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The main thing I would say is that this goes back to the fundamental debate between dividend growth investing and total return investing. My understanding is that total return usually outpaces DGI unless you’re a very savvy investor doing individual stock picking with a buy and hold approach.
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Yeah, I don’t know. I was hoping someone had direct experience. VDIGX has had only slightly worse returns than VTSAX in almost all time horizons except 1-year (which it has also still been very good, but not quite as bonkers as the market as a whole as reflected in the total market index).
Maybe it is a moot point, as it would be such as small percentage of the total portfolio as to not substantively make a difference and I should just VTSAX/VTIAX/VBTLX (which I already hold).
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I can’t say for certain, but I suspect this would be the case. Also, don’t forget that even VTSAX pays quite a bit in dividends.
I wonder if there might be a better place for you to stash the funds you would need to fill the funding gap for your first 5 years after quitting. For example, right now iBonds are paying really high interest, and you can sell with only sacrificing the last 3 months interest as long as you own them for a year before selling.
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Yeah, we were able to get PMI removed by having the house re-evaluated. Our mortgage company at the time (Wells fargo) even let us do a realtor appraisal instead of a official one so it was less than $250. The trick is that you have to actually call and ask for the PMI to be reviewed, they would only automatically remove it once the loan to value ratio was 78% based on purchase price. We had negotiated 11k off and so were already at 80% LTV based on the initial house price when we bought it. It even said it on the closing documents that the house was appraised at higher than the purchase price, but they stick to purchase price for LTV initially.
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This is really helpful, thanks!
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Oooh this is a good Avenue to follow up on, ty!
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Are y’all ever just living your life and your phone or bedside alarm are NOT going off, but for a moment you vaguely hear the sound?
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Yes. Offensive
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