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Re: Thoughts on TSM qualified dividends?

Vanguard Advisors puts out the following report each month: Advisor Monthly QDI Report It's updated on the 15th of the following month, so by Feb 15, we should see the January numbers (if they keep publishing this info.) If the number is less than 100% for TSM, we can be pretty sure there is some co...
by NamedAfterThoreau
Mon Jan 20, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on TSM qualified dividends?
Replies: 12
Views: 1116

FDIC Question about GE banks

GE operates 2 separate banks - GE Capital Bank (used for institutional purposes) and GE Capital Retail Bank. Both have separate FDIC numbers, and have a number of subsidiary banks that have been rolled into each. Does this mean you can have up to $250K in each, and still be covered by FDIC? Two diff...
by NamedAfterThoreau
Mon Nov 25, 2013 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: FDIC Question about GE banks
Replies: 3
Views: 827

Re: secondary market brokered cd and taxes

from pub 1212 http://www.irs.gov/publications/p1212/ar02.html#en_US_201212_publink1000206306 (if you use this link and click on CD in the table of contents, there is an active link about the OID) Certificates of Deposit If you hold a bank certificate of deposit (CD) as a nominee, you must determine...
by NamedAfterThoreau
Wed Oct 23, 2013 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: secondary market brokered cd and taxes
Replies: 8
Views: 594

Re: secondary market brokered cd and taxes

I think your assumption is incorrect - that brokered CDs usually are purchased at a discount or premium - Vanguard brokered CDs are available in a wide range of maturities as new issue - purchased at par or face value. Sorry, I had mentioned "secondary" in the title, but not in the questi...
by NamedAfterThoreau
Wed Oct 23, 2013 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: secondary market brokered cd and taxes
Replies: 8
Views: 594

secondary market brokered cd and taxes

I was thinking about buying some brokered cd's in my taxable account, and wondered how they are treated for tax purposes. Most likely, you will either pay a premium or discount from par. It's easy to compute the coupon interest received, but I wonder how the premium/discount is addressed. I can pict...
by NamedAfterThoreau
Wed Oct 23, 2013 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: secondary market brokered cd and taxes
Replies: 8
Views: 594

Re: enrolled obamacare NO subsidy

this might help http://consumersunion.org/wp-content/uploads/2013/05/Tax_Credit_Worksheet_2014.pdf Thanks. I had heard the 2nd lowest Silver plan was the basis for the credit, so on 10/1, I looked at the non-subsidized list (for a single/non-smoker/my age.) I took the 2nd lowest plan shown, multipl...
by NamedAfterThoreau
Tue Oct 08, 2013 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: enrolled obamacare NO subsidy
Replies: 11
Views: 2873

Re: enrolled obamacare NO subsidy

you only have to fill out eligibility if you want the premiums paid up front. if you wait until you file your 2014 taax return you can claim them as credits on tax form. go here 3rd page down http://consumersunion.org/taxcredit/US_2014_EN.pdf Sorry, I just see "Take it now" vs. "Take...
by NamedAfterThoreau
Mon Oct 07, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: enrolled obamacare NO subsidy
Replies: 11
Views: 2873

Re: enrolled obamacare NO subsidy

i did not get a subsidy(not requested) But do you qualify for subsidy? If so, why wasn't it requested? i believe i will be eligible for small subsidy. i will file for them when i file my 2014 tax return. they are premium refundable tax credits-like the earned income tax credit Don't you have to fil...
by NamedAfterThoreau
Mon Oct 07, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: enrolled obamacare NO subsidy
Replies: 11
Views: 2873

Year to Date Qualified Dividend Percentages

I was looking on Vanguard's Advisors site, when I stumbled across a link to YTD estimated QDI percentages. For some reason, Vanguard does not put this on the retail site (at least, not that I could find.) The top of the page says it's accurate as of August, so I assume it's updated on a monthly basi...
by NamedAfterThoreau
Fri Sep 20, 2013 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Year to Date Qualified Dividend Percentages
Replies: 1
Views: 318

Re: Does VTI already include REIT

As a followup, since Total Stock Market is about 3.5% REITs, how is it that Total Stock Market consistently have 100% qualified dividends? With REITs having much higher dividend yields than other stocks, I would only expect a qdi of maybe 95% (that's not even counting bdc's/etc.) Are there some acco...
by NamedAfterThoreau
Sun Aug 18, 2013 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Does VTI already include REIT
Replies: 17
Views: 1941

Re: The application for healthcare exchange

2012 tax form line 37 AGI PLUS non taxed ss and non taxed interest.-basically every possible thing that isn't part of AGI. the APCAA uses something called MAGI which is what i described Thanks. Do you know if any credit messes with your ability to include medical expenses in your itemized deduction...
by NamedAfterThoreau
Thu May 02, 2013 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 3282

Re: The application for healthcare exchange

2012 tax form line 37 AGI PLUS non taxed ss and non taxed interest.-basically every possible thing that isn't part of AGI. the APCAA uses something called MAGI which is what i described Thanks. Do you know if any credit messes with your ability to include medical expenses in your itemized deduction...
by NamedAfterThoreau
Thu May 02, 2013 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 3282

Re: The application for healthcare exchange

Forgive me if I missed it somewhere, but the various calculators say "income". Do they mean Total Income (1040 Line 22) or Taxable Income (1040 Line 43)?
by NamedAfterThoreau
Thu May 02, 2013 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: The application for healthcare exchange
Replies: 74
Views: 3282

Re: New CRSP indexes as new funds

This is the third benchmark for the Total Stock Market index fund. It started tracking the Wilshire 5000 index in 1994, switched to MSCI US Broad Market in 2005 and now CRSP. The differences in return among the three indexes are minor. I agree, but I think TSM is a different beast. :happy It essent...
by NamedAfterThoreau
Mon Apr 22, 2013 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: New CRSP indexes as new funds
Replies: 4
Views: 563

New CRSP indexes as new funds

With Vanguard funds having converted over to the new CRSP indexes, it seems to me we should be treating these funds as if they were entirely new, but I still see threads talking about long term performance, historic tax efficiency, etc. For all intents and purposes, these are new funds, working unde...
by NamedAfterThoreau
Mon Apr 22, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: New CRSP indexes as new funds
Replies: 4
Views: 563

Re: VSIAX - Vng Small cap value ER drop

feh wrote:Anybody know if we can expect a similar decline in the ER of VBR?


Yes, it's also down to 0.1%.
by NamedAfterThoreau
Thu Apr 18, 2013 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: VSIAX - Vng Small cap value ER drop
Replies: 20
Views: 1593

Re: VSIAX - Vng Small cap value ER drop

Great news! Thank you for posting this. And thanks to VG for doing the change to CRSP for the cost savings. Dale To the extent that this reduction is just the exclusion of BDC's, then it isn't really an expense reduction. The following article has a good discussion on it Seeking Alpha article on BD...
by NamedAfterThoreau
Wed Apr 17, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: VSIAX - Vng Small cap value ER drop
Replies: 20
Views: 1593

Re: VSIAX - Vng Small cap value ER drop

Also, Mid Cap Value is showing a 0.1% ER (as of 4/17/13). It looks like it reversed the increase to 0.12% it showed on 4/12.
by NamedAfterThoreau
Wed Apr 17, 2013 11:34 am
 
Forum: Investing - Theory, News & General
Topic: VSIAX - Vng Small cap value ER drop
Replies: 20
Views: 1593

Re: Most Vanguard Funds just finished converting to CRSP

Scooter57 wrote:If the Institutional Total Stock Market converted, wouldn't that imply the rest of TSM converted too, as it is only a share class of the same fund?


That's my assumption. The link I provided was from the institutional side, but I assume it applies to all share classes.
by NamedAfterThoreau
Wed Apr 17, 2013 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Most Vanguard Funds just finished converting to CRSP
Replies: 10
Views: 1568

Re: VSIAX - Vng Small cap value ER drop

Perhaps Vanguard shed its investment in BDCs over the past year, or is in the process of doing so with its change in underlying index. From the CRSP Methodology Guide, the CRSP universe of stocks excludes BDC's (see Page 3) CRSP Methodologies The Small Cap Value fund (along with a bunch of others) ...
by NamedAfterThoreau
Wed Apr 17, 2013 11:22 am
 
Forum: Investing - Theory, News & General
Topic: VSIAX - Vng Small cap value ER drop
Replies: 20
Views: 1593

Re: Most Vanguard Funds just finished converting to CRSP

The biggest changes were in Emerging Markets where South Korea was moved out since that is "developed" in the new structure (although that is related to the switch to FTSE for international--not sure if that is done yet or not). The link has a tab for the International funds that are tran...
by NamedAfterThoreau
Wed Apr 17, 2013 1:16 am
 
Forum: Investing - Theory, News & General
Topic: Most Vanguard Funds just finished converting to CRSP
Replies: 10
Views: 1568

Re: Most Vanguard Funds just finished converting to CRSP

Then again, with TSM having about a quarter trillion in assets, I guess it's a big behemoth to make any changes to :D
by NamedAfterThoreau
Wed Apr 17, 2013 12:01 am
 
Forum: Investing - Theory, News & General
Topic: Most Vanguard Funds just finished converting to CRSP
Replies: 10
Views: 1568

Most Vanguard Funds just finished converting to CRSP

Just noticed the majority of domestic funds finished converting to the CRSP benchmarks today:

Benchmark Changes

The only one that hasn't converted is the Total Stock Market Index (which I assumed would require the fewest changes, and be the first one to complete - go figure :happy .)
by NamedAfterThoreau
Tue Apr 16, 2013 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Most Vanguard Funds just finished converting to CRSP
Replies: 10
Views: 1568

Re: Vanguard Selling Hits South Korean Stocks

The emerging markets fund is far larger than the other funds you cite. EM was very hot until very recently, while Developed Markets has been in the doldrums since 2008, driving away all but the most hardcore buy and hold types. Pacific Stock Index is full of Japanese stocks, again seen as poison. S...
by NamedAfterThoreau
Fri Apr 05, 2013 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Selling Hits South Korean Stocks
Replies: 5
Views: 1463

Vanguard Selling Hits South Korean Stocks

Interesting article about the state of the FTSE South Korea migration. I thought much of the migration would be in-house exchanges between the developed market indexes and the emerging market indexes.

Vanguard Selling Hits South Korean Stocks
by NamedAfterThoreau
Fri Apr 05, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Selling Hits South Korean Stocks
Replies: 5
Views: 1463

Tax Managed International expense ratio change in April?

I noticed a bunch of the International funds listed an expense ratio decrease in February. The list didn't include Tax Managed International. All the funds listed in February have an October fiscal year end, and Tax Managed has a December year end. I noticed last April, Tax Managed had a rate decrea...
by NamedAfterThoreau
Mon Apr 01, 2013 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International expense ratio change in April?
Replies: 1
Views: 237

Re: First time tax loss harvest questions

Since you're also using Tax Managed International, one other consideration is that the fund is currently transitioning to the FTSE indexes, so they are in the process of adding South Korea to the fund. IEMG uses the MCSI indexes, so it includes a sizable amount of South Korea. Depending on the timin...
by NamedAfterThoreau
Mon Apr 01, 2013 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: First time tax loss harvest questions
Replies: 7
Views: 656

Re: CRSP/FTSE indexes and non-qualified dividends

Thanks, grabiner. I forgot about Vanguard already using the FTSE indexes. For the CRSP indexes, I had checked out the link below, and it looked like the Small Value Index had a lot less REITs (which have high dividend yields, all of them being non-qualified), and saw that CRSP doesn't allow Business...
by NamedAfterThoreau
Mon Apr 01, 2013 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: CRSP/FTSE indexes and non-qualified dividends
Replies: 2
Views: 343

CRSP/FTSE indexes and non-qualified dividends

Is there anything about the construction of the new CRSP/FTSE indexes that point to funds being less apt to distribute non-qualified dividends? I'm mostly concerned about the Small Cap Value Index Fund and Total International Fund. Both of these funds currently generate about 30% non-qualified divid...
by NamedAfterThoreau
Sun Mar 31, 2013 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: CRSP/FTSE indexes and non-qualified dividends
Replies: 2
Views: 343

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