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You think an actively managed fund with a 1.60% ER has any concern for shareholders? Sorry, but every decision they make is for their benefit. The prospectus is pretty clear: Thanks, I read the prospectus, know what is says, and already made the point in my OP that the fund is not shareholder frien...

Int'l mutual funds typically pay taxes on their income, and if they are normal mutual funds (not funds of funds) they pass them through to the shareholders. If they choose not to do so, how do they treat the taxes paid and how do shareholders benefit? I invested in Seafarer funds, run by Andrew Fost...

Yes, back to the previous version. I agree, hopefully they keep this functionality in the next change.

Jake46: Yahoo changed that, confirmed so and also said they have no plan to go back. Texas Archer: Yes, I’m familiar with M*. I was looking for a one glance news and quotes function for multiple portfolios, which they do not offer. Thatguy: Google finance doesn’t seem to have any advantage over the ...

Yahoo finance recently made some changes to the way it displays data. Previously one could create multiple portfolios combining stocks, funds & indexes and then track prices and news. Now only one portfolio can be open at a time, and they replaced user designated sequence with alphabetical. Not ...

The HSA contribution is an above the line adjustment to income. The monthly premium is a medical deduction like any other medical expense. Both can be taken in 2012.

Thanks for getting back on that question. To summarize, the decedent has tax liability for all distributions taken while alive, the beneficiary is liable after that. Distributions must be taken from the IRA every year including the year of death. In that year the distribution is based on the deceden...

My condolences on your loss. It was mentioned that the RMD for 2011 (all my dates in this post assume your father passed away this year) needs to be taken out by 12/31/2011, but only if it was not already disbursed for this year. Please note that this amount will be according to your father's exist...

From TSA "Secure Flight FAQ" If the name printed on my boarding pass is different than what appears on my government ID, will I still be able to fly? Secure Flight is a behind-the-scenes process that TSA and airlines collaborate on to compare the information you provide against government ...

I like FIRECalc http://firecalc.com/ It is flexible and presents the results in a more useful way.

I am in California and I think Latin American Spanish is what I should choose, but I want to to stick to the pure form. Is Spain Spanish a purer form of the language? The idea is that if I talk to Spanish speakers in general, I will seem more educated and I speak in a more refined manner. Will choo...

Bruce Bartlett posted some comparitive tax data on his NYT blog Economix (see here http://economix.blogs.nytimes.com/) [img]<a%20href="http://s1204.photobucket.com/albums/bb408/michaelbgh/?action=view&amp;current=ScreenHunter_13Jul061213.jpg"%20target="_blank"><img%20src="http://i1204.photobucke...

Eudora 7. It's a free email client that accesses and downloads all your mailboxes, lets you store and work on mail offline. You have excellent backup and recover capabilities. http://www.eudora.com/download/

1) All income has to be reported to the IRS. Form TD F 90-22.1 to Department of the Treasury if the total of all foreign accounts exceeds $10,000. Is this amount of $10,000 referring to the "current asset value" of all foreign held assets, or is it strictly referring to all foreign income...

NAVigator , thanks. I saw that book because it has a kindle version. My need is not for my own estate but one I will be helping settle, but the TOC looks good. Flobes, my experience with Nolo publications has been favorable so far and it from your feedback it sounds helpful. I think I'll get both. T...

I have an immediate need for an executor's guide to settling an estate. Nolo has one: "The Executors Guide", The Executor's Guide by Mary Randolph - Nolo , their publications are generally thorough and useful. Perhaps someone here has read or knows of another publication or e-book. This is...

We did retire outside the US. In Caracas, where we had lived for many years (I was born and raised in the IS). We owned a small apartment (condo) and had a family and social network. Venezuela was really nice - everything we needed. Then came Chavez. We have since relocated to South Florida. Anyone ...

Has anyone compared the two? Since I purchase a good bit thru Amazon, I wonder if this wouldn't be a better deal. I haven't yet researched the pro's and cons of one vs. the other as far as streaming quality, etc. Has anyone? Imagine Netflix streaming video with about 3/4 fewer offerings, no queue o...

Does everyone understand what exactly is being measured? Only students that enroll as freshmen and graduate in 4 years. Students that complete a 1 or 2 years of community college, transfer and graduate in 2 or 3 years are not counted. Neither are students that work and study, graduating in 5 years. ...

1. What is FBAR? 2. Does it matter if the foreign money is not in dollars? FBAR is being a signatory on a foreign bank account. If you own or have authority over a foreign financial account, including a bank account, brokerage account, mutual fund, unit trust, or other types of financial accounts, ...

Regarding tax liability and IRS filing: IRS filing requirements are based on income, not liability. OP does not provide enough information to determine if he/she must file or not. As a permanent resident OP is liable for worldwide income and might have to file. The only questions that can be answere...

I'm not a lawyer or accountant, but my understanding is an international transfer does not create a tax liability you do need to file a FBAR regardless of the transfer if you have a foreign account IRS tax filing obligation is unrelated to funds transfers and filing requirements are spelled out here...

Has anyone looked into moving assets from a Foreign country to a US retirement account or know of someone who did it? Have any thoughts or helpful resources? The foreign country where my wife is from is allowing the move of her retirement assets which is similar to the IRA/401k, over to the US. The...

Both individual and systemic risk in emerging countries is higher than in developed countries. The original reference to risk seems to really be about valuation and growth potential. It may be correct that currently developed economies show less potential to grow. There is a different type of emergi...

Can you please explain why it is August? Not august. My memory failed me. You are entitled to up to 6 months extension. The first 2 months are automatic (no preapproval needed), the next 4 need IRS approval (form 4686). The IRS will approve a further extensions if they are to meet residence or phys...

You file an extension in 4/11 postponing your 2010 tax return due date to august. By august you qualify as a bona fide resident and then file 2010.

If you have been assigned overseas your company should not be withholding unless they feel you will not meet the foreign income exclusion.

From Pub 54: Tax Guide for U.S. Citizens and Resident Aliens Abroad Foreign earned income exclusion. Your employer does not have to withhold U.S. income taxes from wages you earn abroad if it is reasonable to believe that you will exclude them from income under the foreign earned income exclusion or...

Sorry if my original post was unclear. I thought it went without saying that the PM&M fund owns mining companies, not physical gold. What I meant to say is that the price of the fund is 95% dependent on the price of gold. The price of all the non-gold metals and non-metals is pretty trivial. Ch...

How much of VGPMX ( Vanguard Precious Metals and Mining ) pertains to gold prices? Say gold starts a big decline will this seriously effect this fund? What portion would be affected 25% 10%? Vanguard precious metals and mining is an actively managed fund, so you can only see past performance and cu...

P.S. If you quote someone who used a smiley, you should include it in your quote. Quoting without the smiley changes the meaning (in my mind). I felt I was teasing you and not actually accusing you of advocating he lie. By leaving the smiley out, you changed my tease into an accusation. That was no...

His move to Virginia is intended to be permanent, in which case he would file as a part-year resident, not a non-resident [unless by "typically" you meant that most people in his situation would lie about their residency No, I did not mean for him to lie or otherwise misrepresent. His ori...

What does your mother think?

Questions: Is it possible to avoid double state taxation without causing excessive headaches? Has anyone else been in a situation similar where one spouse is working and a resident of one state and the other in another? How did you handle federal and state tax filings? Typically, you will file Virg...

Angies List charges more for subscriptions in areas with lots of reports. If the subscription price in the area you are interested in is below the normal price for a large metropolitan area, they probably don't yet have the critical mass you are looking for.

Thanks for the info. What is FBAR? Also what if the transfer goes via a forex place like xe.com or oanda.com? My pleasure. There are three separate topics in this thread. One is authority or ownership of a foreign bank account. Another is treasury reporting requirements for transferring money. The ...

So the individual doesn't have to do any reporting. Is that right? ] You have to file a yearly FBAR if you have signature authority over a non-US bank account. You do not have to file anything when you transfer money to the US because that reporting is done by the bank. You do have to file with the...

There is no obligation to do anything and no automatic or mandatory tax liability from the transfer. 1. Treasury reporting requirements are met by the bank. 2. The IRS has the right to request details regarding the origin of the funds, to determine if income tax is or was in the past due. This is no...

Thanks for the speedy replies & info. everyone. This Forum is the best. I will see that my cousin reads it when she comes over this evening as she does not have a computer at home right now. She did tell me yesterday that she has already gone to the bank & all accounts were closed. She alre...

These websites are very helpful. http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt07.shtm http://www.privacyrights.org/fs/fs17a.htm Call and speak with someone in the security or fraud department of each company. Follow up in writing, and include copies (NOT originals) of supporting documents. It...

The insurance certificate of coverage will specify exactly how it will classify one type of work - like lab - done in another type of facility - like hospital or Dr. office. This is not specific to an insurance company, it is the individual policy.

VINEX has issued a 20% distribution before around 2006. See the Vanguard web site and look at distribution history. Paul IIRC there were two - one in '06 and the other in '07. Combined more than 30%. I was an owner - very painful. MF distributions are like leaky roofs - nobody cares until it rains,...

You can transfer the entire holdings to Vanguard using their "Brokerage In-Kind Account Transfer Kit" or cash in the funds and open a Vanguard account with the cash. If they funds have unrealized gains there will be a tax impact if cashed. If you do decide to transfer in-kind it helps to d...

Not sure if there is a bond bubble or not – and if there is, it is more likely in treasuries than munis. Nuveen runs more CEFs than mutual funds, and they are pricey. After your husband retires your tax rate may decline and munis may no longer make sense. If you are concerned about your funds and al...

As already mentioned, it really depends on what you need. Fidelity seems to have more responsive customer service, a broader offering of non-proprietary mutual funds, a bigger and better priced bond desk. Their in-house mutual funds are probably better – certainly they cover more ground. Schwab was ...

If the U.S. dollar slowly collapses, how would you invest now for the long term? Aren't most index funds and ETFs still denominated in U.S. dollars, even the foreign ones? Are the holdings in, say, Vanguard's Emerging Markets Index Fund denominated in local currencies? Is my thinking off here? Than...

But must they? Yes, they must distribute capital gains and distributions, as spelled out in the prospectus. This is not a yearly choice, it is part of the organization of the fund. Any change in organization would normally require the prior approval of shareholders and affect future financial resul...

I lived in Caracas for 25 years and can’t imagine why anyone would want to invest there. The markets aren’t liquid, the accounting doesn’t always meet US standards, trading is not transparent, is poorly regulated and I am not aware of any effective oversight. Keep in mind that financial statements i...

I have dealt with NY State income tax and residency issues more than once. It’s not clear from the details you provide exactly what your exposure is, but in general, if you were a part year resident, received taxable income after leaving, then return and reestablish residency, NYS will challenge you...

I know most Bogleheads are comfortable with a bond fund vs. individual bond. I've read all of the posts and wiki and understand the theory that states that a fund and a bond ladder are equivalent. I still am skeptical to a point. However, I'm wondering if there's some level where even proponents of...

It’s not so simple to deal with individual bonds. Large brokerages like Fidelity and Schwab have big bond operations but their inventory is better stocked with less attractive issues and has less availability of high quality bonds. The “good stuff”, especially munis, are picked up wholesale and make...