Search found 157 matches

Return to advanced search

Re: TIPS or VIPSX and why?

BeaverFood wrote:We plan to add I Bonds and a state muni bond fund (ER .73%) over the coming year and those will be held outside our tax advantaged space.

That ER of 0.73% is too high for any state muni, imo.
by JD
Sat Oct 11, 2014 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS or VIPSX and why?
Replies: 9
Views: 1308

Re: Fixed-Fee Advisor in Texas

The link below is probably a good start; you can search by Zip Code, Address, or last name.
Good Luck,
http://www.napfa.org
by JD
Fri Sep 26, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1412

Re: Low Income Investor (Tax Concerns)

I have saved up about $20,000 in my bank account over a long period of time. I am currently a graduate student and work two part-time jobs. My annual income is about $8-10,000 per year, and I get a tax refund every year as a result. I am wanting to take $10,000 out of my bank account and invest in ...
by JD
Wed Sep 10, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1885

Re: Help w/ the Mechanics of Solo 401k Contributions?

Regardless of the retirement plan, you must meet the anti-discrimination rules. So no, you can not give yourself the opportunity of a benefit and not your employee(s). Understood. The issue now is if your employee(s) decided not to contribute any thing then you won't be able to contribute as well. ...
by JD
Wed Sep 10, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1047

Re: Help w/ the Mechanics of Solo 401k Contributions?

Regardless of the retirement plan, you must meet the anti-discrimination rules. So no, you can not give yourself the opportunity of a benefit and not your employee(s). Understood. The issue now is if your employee(s) decided not to contribute any thing then you won't be able to contribute as well. ...
by JD
Wed Sep 10, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1047

Re: Needing help with a Vanguard 401k

I just saw the post from FreemanB above , it looks like he is describing what the V.G. rep said. But I guess I don't understand how when the account was moved fro Schwab, they were not any problems, and the entire amount was moved with no restrictions The plan's administrator can make the move to a...
by JD
Tue Sep 09, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Needing help with a Vanguard 401k
Replies: 23
Views: 1506

Re: Help w/ the Mechanics of Solo 401k Contributions?

I stand corrected, and I apologize for that. Thank you, SR. What I described was the solo 401k mechanics of an S-Corp, not LLC. I cannot believe I missed such an important fact! I apologize to OP as well. Does any one know how it works if you hire an employee? Do you have to provide the same benefi...
by JD
Tue Sep 09, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1047

Re: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock

I own them both. Prime in tax deferred. I've considered exchanging it for Total Stock, but why? I bought Prime in the original offering and it has performed well. Yes, it has performed well & that's why I am still hesitant to exchange/sell but we have almost no tax deferred account (only around...
by JD
Wed Aug 27, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock
Replies: 7
Views: 932

Re: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock

What was your original motivation for purchasing these? Is that goal/motivation still true/valid? Yes, I like both of them. But in the State where I reside, there is a taxation on Div/Capital gain distributions and this what made me to think of whether keeping this fund or exchange into the Index.
by JD
Tue Aug 26, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock
Replies: 7
Views: 932

Vanguard Primecap Core (VPCCX)&Vanguard Total Stock

Appreciate any opinion/comments/suggestion; We owe both Vanguard Primcap Core Fund (VPCCX) and Vanguard Total Stock Market Index Fund (VTSAX) for a few years now, however, I am beginning to question the decision that made me buy this fund in the first place? This fund has been performing well over t...
by JD
Tue Aug 26, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock
Replies: 7
Views: 932

Re: It's complicated. Portfolio/tax [US, Canada, Switzerland

3. I read the Boglehead wiki on Permanent Residence and giving up the residency. The wiki states it has to be officially done with the form; other sites state that it is not necessary as long as you have not lived in the US for the last 365 days (we’ve been in Switzerland since middle of 2012). We ...
by JD
Sun Apr 27, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: It's complicated. Portfolio/tax [US, Canada, Switzerland]
Replies: 10
Views: 2408

Re: Help: Tax Advantage Accounts for Self Employed

For 2014 you can establish a SEP, SIMPLE or 401k plan for your Net earnings. See IRS pub 560 for explanation of different types of plans. 401k plan must be established by Dec 31, 2014. 401k plan permits larger contributions but is more complicated than a SEP because it has complex IRS compliance/pa...
by JD
Thu Apr 24, 2014 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Tax Advantage Accounts for Self Employed
Replies: 22
Views: 4579

Re: Help: Tax Advantage Accounts for Self Employed

thethinker wrote:Thanks pshonore

Is there a wiki link you can share with all these on the same page? Or must I go one by one(if so I can do that on my own)?
401(k) [link fixed by admin LadyGeek]
by JD
Thu Apr 24, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Tax Advantage Accounts for Self Employed
Replies: 22
Views: 4579

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: 623

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: 2812

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: 533

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: 680

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: 4217

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: 606

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: 5998

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: 546

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: 546

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: 1671

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: 10491

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: 10491

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: 355

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: 1746

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: 576

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: 576

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: 1401

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: 576

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: 576

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: 1498

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: 3305

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: 554

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: 876

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: 2063

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: 2063

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: 880

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: 1712

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: 1712

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: 4071

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: 989

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: 672

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: 1783

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: 6326

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: 1325

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: 1196

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: 1325

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: 1325
Next

Return to advanced search