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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: 1585

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: 2252

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: 4127

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: 4153

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: 5
Views: 448

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: 256

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: 728

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: 728

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: 728

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: 2803

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: 6269

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: 6269

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: 6269

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: 1227

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: 630

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: 1442

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: 456

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: 630

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: 1979

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: 6358

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: 797

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: 6358

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: 6358

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: 732

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: 10655

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: 1933

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: 2176

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: 201

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: 590

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: 2067

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: 2067

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: 2437

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: 15488

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: 15488

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: 15488

Re: Quicken and Vanguard - Download Problem

I don't see any change in my account numbers on the VG website or statement, yet still no download. It's been two weeks. I need a fix!
by plats
Mon Oct 07, 2013 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 15488

Re: Anyone else freaking about the state of the market?

Yes, I am freaking out. Turn those machines back on!
by plats
Mon Oct 07, 2013 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else freaking about the state of the market?
Replies: 95
Views: 7444

Re: re: guys one more question on Las Vegas hotel

In Vegas you are so rarely in your room that any reasonably located hotel that is decent will serve your purpose. If youre doing Vegas right, you wont have enough time to see what type of granite your hotel room bathroom is made of =) +1. BTW, if you're still interested in Monte Carlo, try entering...
by plats
Tue Oct 01, 2013 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Prices changed as I was going to make Las Vegas reservation.
Replies: 18
Views: 1888

Re: Quitting job and living tax free off dividends?

The problem with dividends is that they aren't guarenteed. Suppose AT&T and Verizon get into a price war; both of them start losing money and lower their dividends. Suppose Intel loses the low power microprocesser war to the ARM based designs and decides to conserve cash. A better idea might be...
by plats
Sat Sep 21, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and living tax free off dividends?
Replies: 19
Views: 4349

Re: Mutual Fund Watcher?

Quicken can produce pop-up alerts, and maybe email alerts, but I've never used them.
by plats
Tue Sep 17, 2013 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Watcher?
Replies: 3
Views: 454

Re: taxable account ?

The cost basis of each MMF share is one dollar and you're selling them for one dollar. There is no capital gain, therefore no tax.
by plats
Tue Sep 17, 2013 6:06 am
 
Forum: Investing - Help with Personal Investments
Topic: taxable account ?
Replies: 1
Views: 341

Re: Moving to Japan Self Employed.

expat wrote:Does Japan even need to know about your income? I don't think I would declare it unless I had a good reason to do so.

It's an interesting point, but the question "Are you required to pay income tax to the country where you claim bona fide residence?" on Form 2555 might trip you up.
by plats
Sun Sep 08, 2013 4:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to Japan Self Employed.
Replies: 20
Views: 1957

Re: Moving to Japan Self Employed.

Good idea using a professional accounting firm in this case. Don't forget those dividends will be taxable in the USA as well as Japan, and the foreign tax credit may help alleviate the pain.
by plats
Sat Sep 07, 2013 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to Japan Self Employed.
Replies: 20
Views: 1957

Re: Wiring money from overseas and currency conversion

I’ll vote for No. 3. I’m sure the exchange rate and fee at the biggest Israeli bank is competitive and you’ll probably have your money within 24 hours. I'm strongly leaning towards this option now that I've registered for xe.com and I see how complex it is. Additionally, they didn't give me a high ...
by plats
Sat Jul 13, 2013 5:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Wiring money from overseas and currency conversion
Replies: 17
Views: 1450

Re: Wiring money from overseas and currency conversion

I’ll vote for No. 3. I’m sure the exchange rate and fee at the biggest Israeli bank is competitive and you’ll probably have your money within 24 hours.
by plats
Fri Jul 12, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wiring money from overseas and currency conversion
Replies: 17
Views: 1450

Re: Dividends

USA brokerages and banks don’t have to withhold the 30% if they receive a letter stating that you are a US citizen and file a tax return in the USA. It’s been decades since I’ve had to do this so I’m not up-to-date with current regulations.
by plats
Sat Jul 06, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 9
Views: 1434

Re: Distribution Time

Thanks, but distributions were last week for equities, so the warning is a little late. There is the usual end-of-month bond distributions though. Some equity funds' distributions were this week. Yesterday my Windsor II fund was down and I was, like, "Hey! Why's Windsor II down when the market...
by plats
Fri Jun 28, 2013 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Distribution Time
Replies: 11
Views: 1186

Re: Investment for Americans living abroad

Do you mean you have $50,000 invested? If that is the case it is not income. If your funds yield about 2%, plus another 3% capital gains, etc., you have $2,500 of passive income. That income is reduced by your standard deduction/personal exemption to zero. And the FEIE excludes your $70,000 foreign ...
by plats
Thu Jun 13, 2013 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment for Americans living abroad
Replies: 7
Views: 553

Re: Investment for Americans living abroad

Expat tax-efficient investing depends on whether your income is below the Foreign Earned Income Exclusion (FEIE) limits, how long you plan to be abroad, and how big your USA investments are. You should break out a pencil and paper, or tax software, and play with different scenarios. I think you’ll f...
by plats
Wed Jun 12, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment for Americans living abroad
Replies: 7
Views: 553
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