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Re: Trouble transferring outside account to Vanguard

I submitted paperwork to transfer Roth IRA assets from Fidelity to Vanguard 3/4/2014. It took 10 days for Vanguard to acknowledge receipt of paperwork. They have not as yet requested the asset transfer from Fidelity. Is there an easier way to do this? Is Vanguard's customer service usually so poor?...
by JD
Tue Mar 18, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trouble transferring outside account to Vanguard
Replies: 8
Views: 592

Re: Old, large account - move it to index and take big tax h

island wrote:If planning to sell the entire account and there are shares that were purchased for more than what they can be sold for now, should those shares be tax harvesting and sold first or doesn't matter if selling the whole account?

Thank you.

If selling the whole account then it doesn't matter!
by JD
Thu Mar 13, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2567

Re: FATCA for VWO and foreign funds?

Biil McNeal wrote:I thought it was only for offshore accounts not assets held in a US bank or brokerage.

It is only for offshore accounts not assets held in the US.
by JD
Thu Feb 13, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: FATCA for VWO and foreign funds?
Replies: 4
Views: 516

Re: International Account => securities & taxes

Your account is less than $50,000, that is understood. Let's put aside FATCA & FBAR rules and just assume that you only have $2000 in that particular bank and will assume also that you received $100 during the tax year as an interest. That amount has to be included in schedule B as a taxable inc...
by JD
Mon Feb 10, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Account => securities & taxes
Replies: 11
Views: 620

Re: vangurd quality of service

I have been with Fidelity for long time: they are expensive but their service is excellent. I am pretty convincing with vanguard funds, but Vanguard Service, not impress: Here is what happened today. I called first time to ask question related to opening an account. Can you guess what the wait time...
by JD
Wed Jan 15, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 3939

Re: Help with margin increase

Wade_pt wrote:Thank you for your replies.

I'm not a US resident, that's right. I think I got the margin concept. However, if my account is cash (no margin) this doesn't affect me right?


Correct.
by JD
Sat Sep 07, 2013 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with margin increase
Replies: 6
Views: 572

Re: 1st Time Investor--Fidelity or Vanguard?

Did not know Vanguard was designated a non-profit organization. Neither do I. When folks here say "Vanguard is owned by we, the investor", how does that work? are we supposed to get..whatever.. I am sure many here are exactly know what are they talking about and would like, if they have t...
by JD
Sun Aug 25, 2013 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1st Time Investor--Fidelity or Vanguard?
Replies: 60
Views: 5303

Re: First time investor in Vanguard – Need help!

I think those people who can help you the most here, want to know more info, using the format suggested above. As for IRA you probably can open one for you ($5000) and another for your husband ($5000), $6000 if he is over 50 years. You mentioned that you work overseas; do you exclude your earned in...
by JD
Fri Aug 16, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: First time investor in Vanguard – Need help!
Replies: 12
Views: 531

Re: First time investor in Vanguard – Need help!

I think those people who can help you the most here, want to know more info, using the format suggested above. As for IRA you probably can open one for you ($5000) and another for your husband ($5000), $6000 if he is over 50 years. You mentioned that you work overseas; do you exclude your earned inc...
by JD
Fri Aug 16, 2013 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: First time investor in Vanguard – Need help!
Replies: 12
Views: 531

Re: Advice needed regarding changing Vanguard Flagship rep

We started moving some of our assets to Vanguard around 2008 and last year we did qualify to the “Flagship” status. I contacted Vanguard rep to inquire about something that was not related to flagship status but during the conversation, I mentioned that we do qualify for that status and the rep said...
by JD
Tue Aug 13, 2013 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed regarding changing Vanguard Flagship rep
Replies: 21
Views: 1588

Re: TD Ameritrade Reviews?

With all the various brokers, there is always something that annoys you. None of them are saints. And different people are annoyed by different things. For example, just in this thread the annoyance factor for getting cold-called by the local TDAmeritrade rep (and even whether they try to contract ...
by JD
Fri Aug 09, 2013 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 2835

Re: TD Ameritrade Reviews?

I have used TD Ameritrade for years, actually we opened our account with Waterhouse sometimes in the 90's. There is no major problem that we encounter that I am aware of. I advise not to bother going to the local branch but do most of your business with them (or with others for that matter) on line,...
by JD
Fri Aug 09, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 2835

Re: Expats: help with tax/retirement/college strategy

Questions: 1. After maxing out his IRA contributions annually, what investment strategy would you suggest we pursue for retirement and/or college savings? Where should our money go next? For what it's worth, we're looking at having about $6,000 each month to work with if we do both TIRA and 529s fo...
by JD
Sat Jul 27, 2013 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expats: help with tax/retirement/college strategy
Replies: 4
Views: 338

Re: which vanguard ETFs should i buy? (nonUS citizen)

InvestorNewb wrote:Don't let the tax tail wag the investment dog.


+1
by JD
Thu Jun 06, 2013 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: which vanguard ETFs should i buy? (nonUS citizen)
Replies: 14
Views: 1416

Re: This is a business Tax question! Sch C or Form 1065?

Thank you for the reply.......
by JD
Thu Apr 25, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: This is a business Tax question! Sch C or Form 1065?
Replies: 9
Views: 544

Re: This is a business Tax question! Sch C or Form 1065?

Is there a legal way to avoid filing IRS Form 1065 if my spouse and I equally own a LLC and actively participate in its operations? Yes. Own it as community property. Rev. Proc. 2002-69, 2002-2 C.B. 831: http://www.legalbitstream.com/scripts/isyswebext.dll?op=get&uri=/isysquery/irlb727/1/doc . ...
by JD
Thu Apr 25, 2013 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: This is a business Tax question! Sch C or Form 1065?
Replies: 9
Views: 544

Re: Portfolio review after 2 years with vanguard

The only comment that I have is that you seem to have 28% or so in TSM - taxable account and almost the same percentage in International fund in IRA (yours+wife). Yoy may want to place the international fund(s) in a taxable account so you would get the foreign credit and replace it by TSM.
by JD
Mon Apr 22, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review after 2 years with vanguard
Replies: 7
Views: 1388

Re: This is a business Tax question! Sch C or Form 1065?

Is there a legal way to avoid filing IRS Form 1065 if my spouse and I equally own a LLC and actively participate in its operations? Yes. Own it as community property. Rev. Proc. 2002-69, 2002-2 C.B. 831: http://www.legalbitstream.com/scripts/isyswebext.dll?op=get&uri=/isysquery/irlb727/1/doc . ...
by JD
Tue Apr 02, 2013 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: This is a business Tax question! Sch C or Form 1065?
Replies: 9
Views: 544

This is a business Tax question! Sch C or Form 1065?

Is there a legal way to avoid filing IRS Form 1065 if my spouse and I equally own a LLC and actively participate in its operations?

Thank you,
by JD
Tue Apr 02, 2013 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: This is a business Tax question! Sch C or Form 1065?
Replies: 9
Views: 544

Re: Non-US-resident beginner with large initial investment

If you're not a US citizen, research the estate tax angles carefully. US domiciled ETFs and funds held by foreigners may be liable to US estate taxes. And NRAs are allowed a mere $60k US estate tax exemption (contrast with a US citizen's $5.25MM). Correct, but the OP indicated that he may stay inde...
by JD
Thu Mar 07, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-US-resident beginner with large initial investment
Replies: 15
Views: 1380

Re: Need Advise.....Better Late Than Never

mptfan wrote:Do not get into a debate with your financial advisor, because, as Upton Sinclair said.... "it is difficult to get a man to understand something, when his salary depends on him not understanding it."


+1
by JD
Tue Mar 05, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 3201

Re: Best way to take out money from VWITX

You do not have to take it in batches. You can withdraw any amount you want at once, i.e. you can take it all, or in diffrent increments as you desire. Vanguard will use the average cost basis for tax purposes unles you instruct otherwise.
by JD
Mon Feb 11, 2013 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to take out money from VWITX
Replies: 5
Views: 537

Re: Building an HSA account

Anything that I don't 100% understand, I will not invest in.Not familiar with HSA and someone will probably give you a better answer! But, I will max 401k/403b, TIRA, Roth, etc before thinking about HSA.
If the administrator won't answer your question you probably have to walk away or run..
by JD
Sat Feb 09, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building an HSA account
Replies: 12
Views: 850

Re: Change of TIPS fund in Vanguard Funds of Funds

I'm hoping that 0.25% purchase fee goes away. Vanguard tends to drop such fees as funds grow larger and adding it to their funds of funds should certainly increase its size tremendously. Let's hope that's enough to beat away that annoying purchase fee. 25 bps looks like a lot when you consider how ...
by JD
Thu Feb 07, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Change of TIPS fund in Vanguard Funds of Funds
Replies: 17
Views: 1993

Re: Change of TIPS fund in Vanguard Funds of Funds

I just read an article in M* that indicated that Vanguard will be updating their Target Retirement funds (among others) by adding a new foreign bond fund and by switching the intermediate term TIP's fund VIPSX to the short term TIP's Fund VTIPX. It has often been a common recommendation on this for...
by JD
Wed Feb 06, 2013 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Change of TIPS fund in Vanguard Funds of Funds
Replies: 17
Views: 1993

Re: Using VWSTX Short-Trm Tax-Exempt instead of VMMXX Money

How about one account at ally earning 0.95%? Beats both, even after tax. That sounds good, but the problem is when ally drops its interest to 0.095 and it can any time. HSBC used to provide a better rate but not anymore! So it may not worth chasing these banks left and right for a few $$. At least ...
by JD
Sun Jan 06, 2013 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using VWSTX Short-Trm Tax-Exempt instead of VMMXX Money Mkt?
Replies: 8
Views: 847

Re: Should I buy QCOM now?

I want to make a purchase in the next month. I am wondering if I should wait for a better price. Where is the market likely headed in the next month. http://www.google.com/finance?q=NASDAQ:QCOM It is used to be my favorite stock a long time ago!! I made a lot of money and lost approximately the sam...
by JD
Fri Dec 14, 2012 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy QCOM now?
Replies: 39
Views: 1698

Re: Should I buy QCOM now?

I own 50 individual stocks. I am making my own mutual fund. I also own many other funds (bond, stocks, REIT). I am well diversified. :moneybag :moneybag :moneybag :moneybag :moneybag You own 50 individual stocks and are asking if you should buy a specific stock next month :?: I don't understand, ho...
by JD
Thu Dec 13, 2012 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy QCOM now?
Replies: 39
Views: 1698

Re: US Debt Crisis - Kyle Bass Letter

I am not doing anything, however, I reduced my equities and increased my bond allocation. It stands about 30/60 +- for the last 4 or 5 years and no plan to change the plan!
by JD
Mon Nov 26, 2012 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Kyle Bass Letter
Replies: 44
Views: 4019

Re: Looking for a safe but good yielding Tax Free Fund.

I am looking to park some of my savings in a tax free fund. Any suggestions? They seem to be averaging a yield around 3.5%. I looked at Vanguard's VWITX and Fidelity's FTABX. Open to other suggestions.. Say what? Where are you seeing 3.5% in a muni bond find, and how do you define "safe?"...
by JD
Sat Oct 27, 2012 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a safe but good yielding Tax Free Fund.
Replies: 10
Views: 951

Re: Overseas and contributed to IRA's unwittingly, need advi

Wow, thanks everyone for your thoughts. I'm feeling a little nervous about doing this on my own but am leery to trust anyone. I've found some specialists in overseas tax prep called Greenback. Does anyone recommend a service to me or should I go at alone?? I'm so frustrated with my old advisor (hap...
by JD
Wed Sep 12, 2012 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Overseas and contributed to IRA's unwittingly, need advice
Replies: 9
Views: 669

Re: Which fund to choose? Active vs index fund

[/quote] Why do you think that it will be tax inefficient to invest in the active fund? Maybe you missed that this isn't for a U.S investor? Thank you for the reply :happy[/quote] Let's forget about taxes for now and just focus on the return. The probability is that at retirement, she would probably...
by JD
Mon Sep 03, 2012 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which fund to choose? Active vs index fund
Replies: 25
Views: 1761

Re: where do we find income

4.86% ER will ruin their life. But now I have a new candidate for worst ETF ever! Thanks. Probably not, but your facts are wrong. it's ER is 0.85% which is a lot more reasonable for a specialty ETF. http://etfs.morningstar.com/quote?t=AMLP From the Alerian website: "Expense Ratio before Deferr...
by JD
Wed Aug 08, 2012 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: where do we find income
Replies: 60
Views: 6220

Re: TDF 90-22.1 form in tax return and audit risk

http://fairmark.com/forum/read.php?4,64351 This could be you or someone else, but trying to trick the system may work for a while but eventually the system will find you and at that point the result might not be that good!! The result might be this: http://hodgen.com/another-expatriation-driven-by-...
by JD
Fri Apr 13, 2012 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: TDF 90-22.1 form in tax return and audit risk
Replies: 11
Views: 1024

Re: Hacked account

Not really sure but I think Vanguard is as safe as other institutions. I think if your account get hacked, the worse thing that could happen is your asset may be liquidated but won't leave Vanguard. To transfer out of Vanguard, they make sure of the identity of the person making the transfer. 3 mont...
by JD
Fri Apr 13, 2012 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Hacked account [Can this happen at Vanguard?]
Replies: 3
Views: 1012

Re: TDF 90-22.1 form in tax return and audit risk

http://fairmark.com/forum/read.php?4,64351
This could be you or someone else, but trying to trick the system may work for a while but eventually the system will find you and at that point the result might not be that good!!
by JD
Fri Apr 13, 2012 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: TDF 90-22.1 form in tax return and audit risk
Replies: 11
Views: 1024

Re: TDF 90-22.1 form in tax return and audit risk

TD F 90-22.1* is not a tax return item. Turbo Tax shouldn't do anything with it. Do NOT file with your Federal Tax Return http://www.irs.gov/pub/irs-pdf/f90221.pdf * I am anal, so I put a space between TD (Treasury Department) and F(form), just as the Treasury Department does. You did the right thi...
by JD
Wed Apr 11, 2012 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: TDF 90-22.1 form in tax return and audit risk
Replies: 11
Views: 1024

Re: TDF 90-22.1 form in tax return and audit risk

A little bit confusion here! TDF 90-22.1 Form does not have anything to do with the foreign income. All your income could be from foreign sources and you may not be required to file TDF 90-22.1 In the meantime, all your income could be from US sources only, and you may be required to file that Form!...
by JD
Wed Apr 11, 2012 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: TDF 90-22.1 form in tax return and audit risk
Replies: 11
Views: 1024

Re: Tuition Reimbursement - Filing Taxes

http://fairmark.com/forum/index.php

You may check out fairmark tax forum for an answer to your question.
by JD
Wed Feb 22, 2012 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tuition Reimbursement - Filing Taxes
Replies: 5
Views: 297

Re: Expat question: contributing to Roth when you have incom

Interesting. I have never heard of this pro-ration for Roth contributions based on US sourced "taxable" income. Nor have I heard that if you fall under the FEIE income limit you are ineligible for a Roth contribution. Just because you use the FEIE, does not mean the money is not taxable; ...
by JD
Sun Feb 19, 2012 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expat question: contributing to Roth when you have income
Replies: 7
Views: 533

Re: Portfolio for 30s Teacher couple

I believe that you have too many funds. IMHO, I think 2 or maybe 3 funds would be adequate.
One total stock fund and one total bond fund should do it. I will stay clear of most teachers’ 403(b) because of the high fees.
by JD
Fri Jan 06, 2012 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 30s Teacher couple
Replies: 7
Views: 967

Re: Feedback on some of my funds

Hard to tell from the post, you may want to read the 2 links below and I am sure that you will get replies.

viewtopic.php?f=1&t=6211
And
viewtopic.php?f=1&t=6212
by JD
Sat Dec 17, 2011 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback on some of my funds
Replies: 4
Views: 386

Re: what do you think about utilities index (VUIAX)?

I currently am 100% equities. Vanguard consultants want me to go to 40% bonds and convert Roth and a traditional IRA to all bond. I have been reading for years now the bonds pay distressingly little, and Burton Malkiel wrote a column last week in WSJ how the blue chips are paying dividends twice th...
by JD
Thu Dec 15, 2011 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: what do you think about utilities index (VUIAX)?
Replies: 8
Views: 645

Re: MLP in Taxable Accounts

abuss368 wrote:Consider REITs instead.

REITs are fine if you’re looking for yields but the problems with REITs, I think, are as volatile as stocks (not 100% sure here). The MLPs have nice yield and more stable price wise.
by JD
Tue Dec 13, 2011 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: MLP in Taxable Accounts
Replies: 10
Views: 745

Re: MLP in Taxable Accounts

I assumed my question was clear with the "?" Looking for people's thoughts on MLP, MLP ETF, as an investment in taxable accounts...... you'll be buried in tax forms from 50 states. Just say no, not worth it Grok87, are you sure of tax situation? Your statement is accurate if they were MLP...
by JD
Tue Dec 13, 2011 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: MLP in Taxable Accounts
Replies: 10
Views: 745

Re: MLP in Taxable Accounts

I assumed my question was clear with the "?" Looking for people's thoughts on MLP, MLP ETF, as an investment in taxable accounts...... you'll be buried in tax forms from 50 states. Just say no, not worth it Grok87, are you sure of tax situation? Your statement is accurate if they were MLP...
by JD
Tue Dec 13, 2011 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: MLP in Taxable Accounts
Replies: 10
Views: 745

Re: Pennies on sidewalks

VictoriaF wrote:Now I am even more motivated to pick up pennies from sidewalks. I used to note whether they were heads or tails. Now I also have to consider their age.

Victoria

:lol:
by JD
Sun Dec 04, 2011 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Copper Pennies
Replies: 36
Views: 1954

Re: Roth IRA

Personally, I would go with the mutual funds such as VBMFX rather than its equivalent's ETF. No good reason to give you why though!
by JD
Mon Oct 31, 2011 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 15
Views: 604

I have ordered from APMEX a few times & been satisfied. After shopping around (and factoring in shipping) they tend to have the lowest prices or close to it. I think the lowest price is here: http://www.golddealer.com/bullionpage.html But again, I never bought PM from them or anyone else. I am ...
by JD
Mon Sep 26, 2011 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: APMEX - buying precious metals
Replies: 28
Views: 2536

trico wrote:I told you all that this was overbought. Sold all mine last month.


What are you buying now? Just curious.
Thanks,
by JD
Sat Sep 24, 2011 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio PRPFX
Replies: 30
Views: 3554
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