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Re: Fidelity vs. Vanguard

Fidelity is probably the oft-cited competitor to Vanguard. Just curious which one could be the number 3 firm on this forum after these 2?
by AQ
Sat May 24, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 7944

Re: dividend check

This started looking absurd... After three full months, this seemingly simple glitch is still not fixed.. It's not a big deal to me but I would expect a major institution could do better. The flagship representative has been polite but not helpful, and still says no ETA.
by AQ
Tue Apr 01, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1261

Re: Tax strategy: college tuituion credit

Thanks to all for the discussion. To recap: 1) in 2013, I (parent) paid the tuition for Sara(the kid in college under 24). 2) Sara made 10K in 2013. 3) If I don't claim Sara on my tax form as dependent (I could since I paid more than half of her expenses: does expense include tuition?), then Sara ca...
by AQ
Mon Mar 03, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax strategy: college tuituion credit
Replies: 13
Views: 834

Tax strategy: college tuituion credit

Seek advice about how to best position for the following scenario: Our household income is high enough that we are not eligible to take any credit like Hope for college tuition payments.. In the meantime, through TT, it seems whether claiming kids as dependent or not won't make any difference for ou...
by AQ
Mon Mar 03, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax strategy: college tuituion credit
Replies: 13
Views: 834

401K: why unvested?

I ran into a kind of strange issue: my wife had a 401K from her former company. After she left the company (more than 7 years ago), we found that part of her 401K balance is still unvested. We were never able to figure out why. It has only a few hundreds dollars so we kind of let it go.. Now I ran i...
by AQ
Sat Mar 01, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K: why unvested?
Replies: 2
Views: 471

401K rollover: any reasons not to?

I have any 401K account with a previous employer. Recently I read an article saying if a company is gone, then it may take long time to sort out its liabilities through courts, including 401K. I guess I should get my acts and roll it over to an IRA. Any good reasons not to? just want to do a simple ...
by AQ
Mon Feb 24, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K rollover: any reasons not to?
Replies: 4
Views: 257

Re: Postage paid envelops

Interesting discussions so far. Happy Holidays! I used online banking a lot including online bill pay, etc.. The only place I still rely on this snail mail is with Vanguard, where I do NOT want to link my Vanguard account with a checking account.. It's one thing to have a small error with a online b...
by AQ
Sat Feb 15, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 2963

Re: Postage paid envelops

So you guys use ACH nowadays? I'm always a bit paranoid about it, worrying if someone simply empty my life savings from vanguard without a trace...

Tell me again why this concern is unwarranted. Maybe I'll finally take the plunge and help reduce ER for everyone in the process :)
by AQ
Sat Feb 15, 2014 1:49 am
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 2963

Postage paid envelopes

I'm still old-fashioned, and snail mail a check to Vanguard to add investment..

Recently I asked for a few new postage paid envelopes. Today I got paid Fedex Extremely Urgent envelopes. Is this the perk for being a flagship account? :D
by AQ
Sat Feb 15, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 2963

Re: dividend check

The OP didn't say it was Vanguard, but I did the same thing with VG bond funds late last year and received 2 dividend checks. Everything appeared to be going to my Prime MM settlement fund per the website. I double-checked this after the 1st check arrived. After the 2nd, I called VG and was told it...
by AQ
Tue Feb 11, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1261

dividend check

Near the year-end last year, I transferred into a bond fund for tax loss harvest.. For whatever reasons, I started to receive a monthly dividend check, even though I set up the account that dividends should all go to my money market account. I have a couple of other bond holdings and all worked as e...
by AQ
Tue Feb 11, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1261

Re: unknown credit cards on my credit report

ajcp wrote:Why do you believe that account is this amex?


This is the only item for an amex..
by AQ
Fri Jan 17, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 1562

Re: unknown credit cards on my credit report

yes, but the account number on my statement is my card number, which does NOT match the number on credit report..
by AQ
Thu Jan 16, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 1562

Re: unknown credit cards on my credit report

I believe one of accounts seems my american express card. Is that the case that for Amex card, the account number is different from the card number? how can I be sure?
by AQ
Thu Jan 16, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 1562

unknown credit cards on my credit report

Just took a look at my credit report, motivated by recent Target data breach.. I have opened many accounts over years (ok, my bad). The report lists two cards, which I don't recognize at all. Those accounts were opened a few years ago, so certainly unrelated to recent events. I went through my drawe...
by AQ
Thu Jan 16, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 1562

Advice about campus recruiting?

DS in his senior year and already got his offer from his prior internship. That is great news. However, he hasn’t made up his mind about what he’d like to do and wants to take advantage of the school on-campus recruiting, but his offer requires he makes a decision in the next week.. Any experiences ...
by AQ
Wed Sep 18, 2013 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice about campus recruiting?
Replies: 13
Views: 1319

Potential liability from adult children?

Please advise how we can protect ourselves from potential liabilities from our adult son. Son is in college, and he's going to get his driving license fairly soon. I don't expect him to get his own car any time soon, but imagine he might drive cars from friends, as well as family car when he comes h...
by AQ
Tue Sep 03, 2013 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Potential liability from adult children?
Replies: 22
Views: 4467

Re: TLH or buy more? VCITX

Muni ETF is surging today, and I take it a likely turning point and started to build up.. :happy
by AQ
Wed Jun 26, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 983

Re: TLH or buy more? VCITX

I plan to do both. I took it it seems stablized today, so I bought more.
by AQ
Tue Jun 25, 2013 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 983

Re: Time to dump bond funds?

I think I understand the lower nav, higher yield, etc. and all is fine. But there is a catch, I believe. In actual fund management, if a lot of investors like OP panicked, and rushed to exit, and Vanguard is forced to sell at a discount to redeem, then the remaining investors would end up eating the...
by AQ
Fri May 31, 2013 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to dump bond funds?
Replies: 25
Views: 2714

Re: A RBD ...for Bonds?

Appears that tips were hit much harder than nominal treasury. Any insights?
by AQ
Tue May 28, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1283

Re: Meet Mr. Money Mustache, the man who retired at 30

I would love to find that thread if anyone knows what he is talking about. Unless it's a 20-year-old with 10 kids and some kind of money-sucking illness, I just can't picture who would be advised they could not retire with 4 million, and am curious to see. I think that it might be this thread: http...
by AQ
Sun Apr 28, 2013 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26904

Phishing?

Got an email from Vanguard (flagship@eonline.evanguard.com) with the following message, but I haven't received any calls, and didn't expect one. Anything wrong? Our records indicate that you or someone in your household recently received a call from your Vanguard representative. Could you please tel...
by AQ
Fri Mar 29, 2013 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Phishing
Replies: 33
Views: 3739

Re: Compare 2012 Effective Tax rate?

27.87% by TT. Maybe I need a live accountant instead of TT?
by AQ
Thu Mar 28, 2013 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Compare 2012 Effective Tax rate?
Replies: 36
Views: 2901

Re: When to add kid to car insurance

Many thanks for your comments so far. Just to clarify my question, we're in CA. And son has been in driving school for a few hours already. I plan to sit with him while he keeps practice until he got his full liscence. So my question is: do I need to add son to the policy while he is still with a le...
by AQ
Wed Mar 27, 2013 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 998

Re: When to add kid to car insurance

Things may have changed in last few years. In our case we did put our son's name on the policy but also provided school's registration papers to prove that he was more than 50-60 (don't remember exact) miles away from home and proof that he was staying on Campus. This way we had peace of mind when ...
by AQ
Tue Mar 26, 2013 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 998

When to add kid to car insurance

Son is in college. Last month he got a learning permit and I plan to send him to driving school for a few hours. Most of time he'll stay in campus away from home and won't drive but I expect when he gets home for weekends or breaks, he may drive our cars. My understanding is that if I lend a car to ...
by AQ
Tue Mar 26, 2013 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 998

Re: What's your number? Why?

I have about 4mm but I'm not sure if that is enough, or how much more I need. 10 would be more than enough but I may never get there :happy It's fairly easy to figure out my needs and expenses but the problem is not sure how much I need to budget for health care. Currently it's paid my employer and ...
by AQ
Sat Mar 09, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 22394

capital loss of a home sale

Just realize I couldn't take capital loss for my seriously underwater home.. too bad, and so unfair. Sorry, have to vent it.. anyway to make it work? convert it to a rental property first, and then sell it after a year or two (whichever tax law would require)? Is there such a backdoor approach, just...
by AQ
Mon Mar 04, 2013 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: capital loss of a home sale
Replies: 4
Views: 462

Re: Bank fraud on my business account; left high and dry by

Call me old-fashioned, but I still haven't adopted ACH yet. Or protection on personal accounts is so much better that there is nothing to worry?
by AQ
Thu Feb 28, 2013 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank fraud on my business account; left high and dry by bank
Replies: 37
Views: 3426

Re: foreign tax credit / income / turbotax

livesoft, many thanks. Appreciate it. I actually placed an order for this fund today but your answer made me at peace with my action :happy

Also thanks for all the discussions. I'm on Turbotax ever since its launch more than 10 years ago, but this discussion is certainly very enlightening. Thanks!
by AQ
Tue Feb 26, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1598

Re: foreign tax credit / income / turbotax

I suggest looking into FSGDX instead. I had our 401(k) plan switch from using FSIVX to using FSGDX instead. (That is, if you must use a Fidelity fund.) livesoft, I understand all the good arguments for using FSGDX.. One question though: this seems a fairly young fund. Do I need to concern with less...
by AQ
Tue Feb 26, 2013 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1598

Re: foreign tax credit / income / turbotax

The foreign source income could be 100% of the dividend income or it could be less. For instance, I own VSS and foreign source income is about 83.94% of the dividend amount. For SCZ, it is about 74%. It is amazing to me that the Fidelity Spartan Int'l Index has about 50% foreign source income. That...
by AQ
Sun Feb 24, 2013 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1598

Re: foreign tax credit / income / turbotax

HueyLD wrote:
AQ wrote:So if any fidelity investors her and know the place to find this info, I'd highly appreciate it.

http://personal.fidelity.com/planning/t ... gn_tax.pdf


wow, thanks a lot. I looked up the site quite a few times and didn't find it.. thank you, HueyLD
by AQ
Sun Feb 24, 2013 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1598

Re: foreign tax credit / income / turbotax

Many thanks for the explanation. Very helpful. Foreign tax credits are exclusively from my investments in mutual funds of international indices. If I understand it correctly, the dividend income should be mostly from foreign sources and it's almost certainty that I can apply the entire credit. In th...
by AQ
Sun Feb 24, 2013 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1598

foreign tax credit / income / turbotax

Doing my tax with turbotax now and having a question about foreign tax, etc. When I entered an amount for foreign tax paid in Turbotax, it then asked for the portion of income which is foreign income. For example, I invested in Vanguard total international stock. In my 1099-div, I got $1000 dividend...
by AQ
Sat Feb 23, 2013 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1598

Re: Can I retire comfortably?

Nobody commented on OP's question about uncertainty on health care cost? OP and his wife are very healthy but isn't insurance for unexpected? I have about 4mm in investable assets and several years older than OP, but are afraid to quit yet. The biggest concern is health care cost. According to my W-...
by AQ
Fri Feb 08, 2013 1:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6574

Re: Tax-exempt 1099-INT, 1099-DIV, TurboTax, Vanguard

download TT and would start to work on my tax shortly. Noticed the changes from INT to DIV for tax-exempt interests. Wonder if anyone has updats or something to add on this issue.
by AQ
Sun Feb 03, 2013 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax-exempt 1099-INT, 1099-DIV, TurboTax, Vanguard
Replies: 37
Views: 4722

Re: TurboTax Question Foreign Tax credit

I just wish the tax code was simpler...
by AQ
Wed Jan 30, 2013 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Question Foreign Tax credit
Replies: 22
Views: 2123

Re: Seeking to retire at 50

Boglenaut wrote:I think you are way too far to be setting 50 as a date. Just save as much as you can then decide when you are closer. A lot can change by 2035.


+1
by AQ
Fri Jan 25, 2013 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking to retire at 50
Replies: 52
Views: 2878

Re: [Living in] London vs. New York

Thanks a lot for all the comments providing a fairly good picture of the pro and con for both cities collectively. Really appreciate it... Not a young lad anymore. If you look up my old posts, I'm actually considerin early retirement with some chronical health problems.. That is why I value the NHS ...
by AQ
Fri Jan 25, 2013 3:26 pm
 
Forum: Personal Consumer Issues
Topic: [Living in] London vs. New York
Replies: 28
Views: 3253

[Living in] London vs. New York

Hi, anyone has experiences living in both places? I refer to both metros, not necessarily Manhanttan when talking about New York, e.g. Got potential opportunities in both places and tried to decide in next month or so. Currently I'm in CA and a US citizen. Things to consider: 1) Tax: in NY, the top ...
by AQ
Thu Jan 24, 2013 3:53 pm
 
Forum: Personal Consumer Issues
Topic: [Living in] London vs. New York
Replies: 28
Views: 3253

Re: CD: Strategies for starting a 5 year ladder

I was thinking to build a 10 year ladder. Any difference between a 5 and 10 ladder? Thought 10 year ladder would capture a bigger term premium?
by AQ
Sat Jan 19, 2013 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: CD: Strategies for starting a 5 year ladder
Replies: 13
Views: 1436

possible identity theft?

One day last month I was in an airport. My plane was seriously delayed. A woman was marketing a milage credit card deal. with nothing better to do, I signed up putting all info in the form to the woman... and was told I'd get email notice in a week. Now more than 2 weeks later I didn't hear anything...
by AQ
Fri Jan 04, 2013 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: possible identity theft?
Replies: 3
Views: 502

Re: Traditional IRA Non-Deductible Contributions

I was doing this for a few years for lack of tax-deferred space to keep my fixed income money. Plan to do it for foreseeable future, in particular given higher income/dividend tax rates now.
by AQ
Thu Jan 03, 2013 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: Traditional IRA Non-Deductible Contributions
Replies: 25
Views: 2046

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1456.78
by AQ
Tue Jan 01, 2013 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15411

Re: Vista to Window 7 or 8?

I'm in the market for a new laptop, and appears the majority thinks Win 7 is better.. But how could I get a brand-new win7? I shopped around for a couple of days and everywhere I go only win8 is for sale.
by AQ
Mon Dec 31, 2012 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Vista to Window 7 or 8?
Replies: 66
Views: 3195

Re: Gift tax and gifts to children

I recall that direct tuition and medical care expenses are unlimited with respect to the annual gift tax exclusion? Yes, provided they are paid directly. "... who is in his 20 year old. Right now I paid all expenses exceeding $26K annually" is ambiguous in at least seven ways, an accompli...
by AQ
Mon Dec 17, 2012 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax and gifts to children
Replies: 17
Views: 1298

Re: Gift tax and gifts to children

To the OP: the definition of dependent does not depend on age, not 22, not any other. Unlike a qualifying child, a qualifying relative can be any age. There is no age test for a qualifying relative. Thus a child who does not meet the age test to be a qualifying child may still be a qualifying relat...
by AQ
Mon Dec 17, 2012 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax and gifts to children
Replies: 17
Views: 1298
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