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Re: Am I "Locked In" For Payements With This Bond Fund?

When interest rates rise, the NAV of the bond funds will fall, but those funds will eventually start buying those bonds with higher rates as they turnover their positions, so those same shares will eventually have a higher yield. They will not eventually have a higher yield, they will immediately h...
by plats
Sun Jul 20, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I "Locked In" For Payments With This Bond Fund?
Replies: 11
Views: 1070

Re: Visiting Japan

Hi, I am Japanese, living in US. I just came back from a short trip around Kyoto/Nara. It totally depends on what you like to see. But if what you want to see is old Japanese culture or building, and you have only one day, I would strongly recommend a short trip to Nara. You can take a local train ...
by plats
Sun Jul 20, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Japan
Replies: 16
Views: 1348

Re: Japan's Lost Decades in One Chart

whaleknives wrote:Why does the U.S. data stop 10 years before Japan's?

My take: Japan's peak was ten years before the USA's. The ends of the lines are both current to about a year or so ago.
by plats
Sat Jul 19, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Japan's Lost Decades in One Chart
Replies: 23
Views: 2844

Re: Do I Understand My Dividends and thier Taxes?

Good explanation from Fidelity: "You must have held those shares of stock unhedged for at least 61 days out of the 121-day period that began 60 days before the ex-dividend date." https://www.fidelity.com/taxes/tax-topics/qualified-dividends Also remember that if the dividend is large it co...
by plats
Fri Jul 18, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do I Understand My Dividends and thier Taxes?
Replies: 3
Views: 709

Re: Overseas Residents And the Affordable Health Care Act

Arby, you mention Medicare but not Social Security. Are you vested in SS? Bank interest reported in a 1040 doesn't require documentation. Karamatsu, I read the revocation of FEIE differently. If he has never used it he will have no trouble filing without it and using it in the future. That is, he do...
by plats
Tue Jul 15, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overseas Residents And the Affordable Health Care Act
Replies: 10
Views: 1070

Re: Overseas Residents And the Affordable Health Care Act

I Googled and found this: http://blogs.angloinfo.com/us-tax/2013/ ... obamacare/

BTW, don't you use FEIE (Foreign Earned Income Exclusion)?
by plats
Tue Jul 15, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overseas Residents And the Affordable Health Care Act
Replies: 10
Views: 1070

Re: US citizens abroad cannot invest through [Fidelity]

bpp wrote:
plats wrote:On another topic, I got a follow-up email from Fidelity today after getting a letter last week.


What did they say?

Dear Suspicious Overseas Investor,

You can keep your mutual funds and reinvest distributions but you can't add to them or exchange between them.

Have a nice day.
by plats
Tue Jul 08, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 94
Views: 7109

Re: US citizens abroad cannot invest through [Fidelity]

Houston101 wrote:Just as a matter of curiosity, how do you maintain a U.S. address (not P.O. Box) and monitor it from abroad?

Do you have only important mail forwarded to you?

If that was to me: I don't have a USA address. Fidelity has been mailing to my foreign address for 25 years.
by plats
Tue Jul 08, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 94
Views: 7109

Re: US citizens abroad cannot invest through [Fidelity]

But the FBAR is pretty easy as long as you don't exceed $50,000 which requires a much more complicated filing. For those living overseas the additional Form 8938 is has higher requirements. "If you are not married, you satisfy the reporting threshold only if the total value of your specified f...
by plats
Tue Jul 08, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 94
Views: 7109

Re: burning 1 lb is how many calories?

The OP is confusing losing weight and losing fat. Losing weight can mean losing anything, including muscle mass. Dieters will often lose a lot of muscle without streneous exercise.
by plats
Sat Jun 28, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5556

Re: How to save for retirement while living abroad?

I will be living abroad and I was told it is Illegal to donate tax-free money to a Roth-IRA. However, what if I had my parents contribute to my Roth-IRA while I was living abroad? Thanks, Kurt You (or anyone on your behalf) can't fund an IRA if all of your income is excluded with FEIE (Foreign Earn...
by plats
Thu Jun 26, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to save for retirement while living abroad?
Replies: 7
Views: 635

Re: NISA in the short term (Japan)

If I were you (which I am) I would send all my money back to my home country. If you want to bet on a rising yen you could buy a yen currency ETF, JPN stock ETF or JPN bond with a UK brokerage.
by plats
Mon Jun 16, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: NISA in the short term (Japan)
Replies: 9
Views: 603

Re: Is this true?

Buy Exxon (XOM) and McDonald's (MCD).
by plats
Mon May 12, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this true?
Replies: 11
Views: 1686

Re: mailed US tax check 4/13 - not cashed yet

So my check was cashed end of april, but i receive a notice from the IRS today stating that I owe the money How do i straighten this out? What sort of delay in crediting? the letter is quite firm that i owe money Does the letter have a phone number on it? I would call it. It once took 8 months for ...
by plats
Sat May 03, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 43
Views: 7299

Re: Quicken 2014 opinions wanted

I upgraded from 2011 to 2014 and I lost the ability to download transactions from a major bank. My other credit unions work fine. Multiple people are reporting this same issue on the quicken forums. The bank points the finger at Quicken, Quicken support has basically said sorry we are not going to ...
by plats
Fri Apr 18, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 2238

Re: Vanguard Total International (VTSAX) - Taxable Account

VTSAX is not Total International. It's Total Stock Market.
by plats
Thu Apr 17, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2583

Re: Japan Does not Show That Stocks are Dangerous

Japan’s stock bubble mirrored the land bubble, as land was used as collateral to buy stocks and vice-versa. What was left out of this discussion is that the Bank of Japan orchestrated the bursting of the bubble with interest rate hikes and excise taxes on land sales. It was a time when everyone was ...
by plats
Wed Apr 16, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: Japan Does not Show That Stocks are Dangerous
Replies: 79
Views: 5170

Re: Why does Vanguard use average return iso compound annual

In case some people don't get the OP's point, here's an analogy. It's a bit like the SEC saying that a "poodle" is a small feline mammal that purrs and meows. Right on! The SEC is on the ball: Scientists at Vienna's University of Veterinary Medicine confirmed the "poodle cat" is...
by plats
Mon Apr 14, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 6380

Re: How to save for retirement while living abroad?

Thanks, yes I'm making under the $97,000 limit (paid in Euros, but EUR-USD conversion is under $97,000). Actually I'm married with a child and file jointly on my single income. So it's the case that I can contribute the maximum to my US-based Roth IRA while not making any US income or paying any US...
by plats
Mon Apr 14, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to save for retirement while living abroad?
Replies: 7
Views: 635

Re: Importing VG Brokerage 1099-Consolidated into Turbotax

Did TT create a Form 8949? My import from VG brokerage produced one for each security sold. From Form 8949: Note. You may aggregate all long-term transactions reported on Form(s) 1099-B showing basis was reported to the IRS and for which no adjustments or codes are required. Enter the total directly...
by plats
Sat Mar 22, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Importing VG Brokerage 1099-Consolidated into Turbotax
Replies: 2
Views: 413

Re: [American living abroad - Foreign Earned Inc. Excl. Limi

in_reality wrote:[Your foreign income is included when calculating your tax rate.

Thanks to The Tax Increase Prevention and Reconciliation Act of 2005.
by plats
Thu Feb 27, 2014 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: [American living abroad - Foreign Earned Inc. Excl. Limit]
Replies: 17
Views: 795

Re: [American living abroad - Foreign Earned Inc. Excl. Limi

(3) If I claim full FEIE in which my income is under the FEIE limit, do I fall into the lowest US income bracket for dividend and capital gains tax purposes? For 2013, this means (a) 0% tax on long-term capital gains/qualified dividends, and (b) 10% tax on ordinary dividends/short-term capital gain...
by plats
Thu Feb 27, 2014 1:28 am
 
Forum: Investing - Help with Personal Investments
Topic: [American living abroad - Foreign Earned Inc. Excl. Limit]
Replies: 17
Views: 795

Re: [American living abroad - Foreign Earned Inc. Excl. Limi

I'm wondering if VWEHX is optimal for my situation as well; I'm currently working abroad and my salary falls under the Foreign Earned Income Exclusion limit which I am claiming, so I currently have no taxable income in the US except for the occasional dividend distribution from my vanguard 3 fund p...
by plats
Thu Feb 27, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: [American living abroad - Foreign Earned Inc. Excl. Limit]
Replies: 17
Views: 795

Re: Cruel math [x% loss requires x+% gain to get even]

This thread reminds me of my ill-fated foray into emerging markets decades ago. My Fidelity EM fund was down over 70% and an expert on TV was saying emerging market funds would have to go up 300% to get back to even. I thought “Fat chance” and sold it. Then it went up 300%.
by plats
Wed Feb 26, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 3248

Re: Has anyone seen the Japanese Stock Market?

In hindsight (and even back then) this was unsustainable. We lost 50% in many areas during the real estate bubble. I have no idea what the decline was in Japan and how that exasperated the stock market slump. The slump in real estate follows the slump in the stock market closely, and it certainly e...
by plats
Sun Feb 23, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6662

Re: Has anyone seen the Japanese Stock Market?

Keep in mind the Nikkei's slump was allieviated somewhat for US investors by the tripling of the yen during this time. Hi. Was the Yen Dollar really 270 in 1990? X-Rates.com only goes back to 2004 unfortunately. No, but it was 270 in the early 1980s. Low 100s in the early 1990s http://research.stlo...
by plats
Sun Feb 23, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6662

Re: Has anyone seen the Japanese Stock Market?

Keep in mind the Nikkei's slump was allieviated somewhat for US investors by the tripling of the yen during this time.
by plats
Sun Feb 23, 2014 12:21 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6662

Re: What to Invest in when market is low?

If you’re sure you could buy a short or ultra short ETF. SDS doubles the inverse return of the S&P. Its name also brings back old memories of my youth.
by plats
Wed Feb 19, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Invest in when market is low?
Replies: 24
Views: 1245

Re: International Account => securities & taxes

Form 8938 and FinCEN Form 114 are for reporting foreign accounts, but you still have to declare income from them on your tax return.
by plats
Mon Feb 10, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Account => securities & taxes
Replies: 11
Views: 655

Re: Moving Money from Cash Into the Market Now

If you put the $200K all in now, the market will surely go down. If you wait, it will go up. I believe this is a feature of quantum investing. I would put half in now and the other half in some predetermined date, like in a year.

Respected BH veterans may have a better plan.
by plats
Mon Feb 10, 2014 4:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money from Cash Into the Market Now
Replies: 12
Views: 1475

Re: Vanguard Taxable Account Question

I've been able to speed up the conversion process by clicking the "Convert to Admiral Shares" that appears when the value goes over $10,000. Could save you a few bucks by converting before they do automatically.
by plats
Sun Feb 09, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable Account Question
Replies: 3
Views: 469

Re: International Account => securities & taxes

Income from stock sales goes in the Investment Income section regardless of the location of the brokerage.
by plats
Sun Feb 09, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Account => securities & taxes
Replies: 11
Views: 655

Re: does capital gains effect tax bracket?

I agree tax software is useful but, I think understanding how taxes work is more important.
by plats
Thu Jan 30, 2014 12:32 am
 
Forum: Investing - Theory, News & General
Topic: does capital gains effect tax bracket?
Replies: 20
Views: 3069

Re: My annualized returns are better than yours. Why?

robertalpert wrote:
plats wrote:
robertalpert wrote:
sscritic wrote:I think some people left their sarcasm detectors at home this morning. The OP is clearly pulling our leg.


My leg does feel a little out of joint this morning.

I have only one leg now.


Sorry for your loss.

On the bright side, I now have more hair than legs.
by plats
Wed Jan 29, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6729

Re: Long-term capital gains tax rate

$500 of that is taxed at 0% and $500 is taxed at 15%.
by plats
Wed Jan 29, 2014 8:05 am
 
Forum: Investing - Theory, News & General
Topic: Long-term capital gains tax rate
Replies: 7
Views: 1016

Re: My annualized returns are better than yours. Why?

robertalpert wrote:
sscritic wrote:I think some people left their sarcasm detectors at home this morning. The OP is clearly pulling our leg.



My leg does feel a little out of joint this morning.

I have only one leg now.
by plats
Tue Jan 28, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6729

Re: My annualized returns are better than yours. Why?

sscritic wrote:I think some people left their sarcasm detectors at home this morning. The OP is clearly pulling our leg.

Bump. In case some missed it.
by plats
Tue Jan 28, 2014 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6729

Re: Total International (VTIAX) and non-qualified dividends

sscritic wrote: Now name all the countries not included. :)

Give us a hint. Can Google find them?
by plats
Sun Jan 19, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International (VTIAX) and non-qualified dividends
Replies: 10
Views: 825

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Up 20%--2,217. Firm.
by plats
Wed Jan 08, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 12189

Re: Question on Realized Capital Gain

You sell 1/6 of your shares for $20,000 which have a cost basis of $100,000/6, or $16,666. So a capital gain of $3,333.
by plats
Sun Jan 05, 2014 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on Realized Capital Gain
Replies: 6
Views: 451

Re: VDMIX Closed

Does anyone know why this fund is closed? Does this have something to do with year end? I am a little worried as I really like this fund. I currently invest in VDMIX and VEIEX in a 1:1 ratio. I have heard that VGTSX is composed of 5/6 VDMIX and 1/6 VEIEX. Going forward, if VDMIX is not available, w...
by plats
Sun Dec 22, 2013 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDMIX Closed
Replies: 13
Views: 2077

Re: Columbia Acorn to Vanguard - 7% drop!?!

Take a simple example to understand capital gains better. Buy $10,000 of TSM index fund in 2009. Note that this fund *never* pays capital gains distributions, just dividends. Take all dividends in cash and pay taxes on them each year, thus keeping your basis of that investment unchanged at $10,000....
by plats
Fri Dec 13, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Columbia Acorn to Vanguard - 7% drop!?!
Replies: 24
Views: 2435

Re: Word table question

Put the cursor in the cell and hit Ctrl+Enter to insert a page break.
by plats
Thu Dec 12, 2013 8:45 am
 
Forum: Personal Consumer Issues
Topic: Word table question
Replies: 2
Views: 210

Re: Why a 5% drop in NMSCX (Columbia Small Cap Index Fund)?

A common question in December. Did you check the website? Your three funds had distributions on Dec. 9, so if you reinvest you now have more shares. If not, you'll get the distributions in cash.

https://www.columbiamanagement.com/cont ... IMATES.PDF
by plats
Wed Dec 11, 2013 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a 5% drop in NMSCX (Columbia Small Cap Index Fund)?
Replies: 8
Views: 617

Re: Long term capital gains on 1040 - How is it taxed?

It looks like FEIE and/or foreign tax credit will negate all tax on your foreign earned income, but your passive income over your standard deduction/exemption, and your income from Jan. this year, will fall into the higher income tax brackets due to the stacking rule. I would run the numbers through...
by plats
Sun Nov 24, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term capital gains on 1040 - How is it taxed?
Replies: 20
Views: 2195

Re: Long term capital gains on 1040 - How is it taxed?

If you’re an overseas’ filer and really ambitions you can try to create the Foreign Earned Income Tax Worksheet from Form 1040 Page 40 (2012) in Excel. I did years ago but now rely on Turbo Tax. Even reading the italics at the bottom gives me a headache. The bottom line is that previously excluded i...
by plats
Sat Nov 23, 2013 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term capital gains on 1040 - How is it taxed?
Replies: 20
Views: 2195

Re: Let relative use my address for bank account?

I would tell your relative to go to the bank's website, go to his account details section and enter his current foreign address.
by plats
Wed Nov 06, 2013 12:53 am
 
Forum: Personal Consumer Issues
Topic: Let relative use my address for bank account?
Replies: 31
Views: 2601

Re: Quicken and Vanguard - Download Problem

Hi All, Been lurking for years, thought I would finally sign up. Re the Quicken update issue - it appears they are now accepting only the OLD account numbers (the older Pershing one ones with a letter in them)! Appears they did a rollback or partial rollback since the weekend. I had changed my Quic...
by plats
Fri Oct 18, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 16809

Re: Quicken and Vanguard - Download Problem

I finally got mine working this afternoon, just in time for the rally. I had to manually change my brokerage account number and deactivate/reactivate. Turns out VG has decided to finally use the five-year-old brokerage account number instead of the older alphanumeric one.

Thanks to everyone.
by plats
Thu Oct 10, 2013 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 16809

Re: Quicken and Vanguard - Download Problem

Thanks Red ... maybe we have solved this problem. I gave up on all other solutions but I think I discovered the problem - at least for me with your help. Basically I updated my Quicken Account login info with the current Vanguard account info. The details: In the past Vanguard Brokerage accounts ha...
by plats
Thu Oct 10, 2013 5:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 16809
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