Search found 16 matches

by coldnose
Mon Jun 15, 2020 7:34 am
Forum: Personal Investments
Topic: Final word on selling/buying VANGUARD ETFs on same day
Replies: 12
Views: 851

Final word on selling/buying VANGUARD ETFs on same day

My question concerns SELLING Vanguard ETFs in a Vanguard Taxable Account and then BUYING Vanguard ETFs or MFs immediately afterwards without waiting for settlement, etc. Is this allowed at Vanguard? I did my due diligence search of the forum for this question in the forum and found this discussion: ...
by coldnose
Wed Aug 21, 2019 8:12 pm
Forum: Personal Investments
Topic: How do bond ratings degrade during recession?
Replies: 9
Views: 693

Re: How do bond ratings degrade during recession?

Your real concern isn't the letter grades, but the change in prices due to default risk. To see this effect, compare the returns of different types of bonds in the fall of 2008, when the stock market crashed. Vanguard Intermediate-Term Investment-Grade lost 13% top to bottom, and took eight months ...
by coldnose
Thu Aug 15, 2019 1:55 am
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 52
Views: 12237

Re: so many issues for US expats ... would forming an investing LLC in the US help?

4. Do not do any money transfers to or from your brokers that references your foreign bank. Do those with your bank and then an addition hop to or from the broker. What about money transfer services like Transferwise, OXF, etc.? Is it OK to link those to your brokerage account and foreign account, ...
by coldnose
Thu Aug 15, 2019 1:41 am
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1878

Re: Foreign Earned Income Exemption and U.S. 401k?

You will need to move your drivers licenses to a friendly state ... We don't own any property and we're selling the car before moving... so really it would just be switching drivers licenses, voting registration, and changing the addresses on our bank accounts. Can this easily be done by getting a ...
by coldnose
Thu Aug 08, 2019 8:08 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 52
Views: 12237

Re: so many issues for US expats ... would forming an investing LLC in the US help?

Don't tell your broker you are moving overseas. It's really that simple. Instead of complicating things, use an address in the usa, a vpn, and a google voice number for two factor authentication. Schwab is actually okay with people who they know live part of the time overseas but not people who tel...
by coldnose
Wed Aug 07, 2019 7:13 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 52
Views: 12237

Re: so many issues for US expats ... would forming an investing LLC in the US help?

Under no circumstances should you alert your brokerage or bank that you live abroad. Some of them like Fidelity and VG may very well close your account immediately, although experiences do vary. It has happened to me. Therefore the only prudent way to manage it is to take these steps: 1. get a mail...
by coldnose
Sun Mar 24, 2019 10:42 pm
Forum: Personal Investments
Topic: Strategy for tax-optimization
Replies: 5
Views: 1098

Re: Strategy for tax-optimization

I would suggest selling the high-yield bond ETF. The dividend yield, taxed at your full tax rate, gives the fund a very high tax cost. If you are in the 24% tax bracket, you are paying 1.44% in taxes on the 6% yield, versus 0.30% if you bought a stock index with a 2% yield. At that rate, continuing...
by coldnose
Mon Mar 18, 2019 10:18 pm
Forum: Personal Investments
Topic: Strategy for tax-optimization
Replies: 5
Views: 1098

Strategy for tax-optimization

Hi, I need some help thinking of the best strategy for this situation: I have a sizable position ($200K) in high-yield investment (ANGL) which I purchased in a taxable account at an excellent price (bottom of a deep trough) in early 2016. Since that time, it's had both an excellent capital gain (19%...
by coldnose
Mon Mar 04, 2019 3:04 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax and form 2210: software bug?
Replies: 29
Views: 4414

Re: TurboTax and form 2210: software bug?

Snapper- Spent my whole evening and this morning reading about the error. Supposedly, it was fixed in late February, then moved to March 1st and now to March 8th. I am waiting till March 8th to see if I can delete form 2210. I rather delete it properly then going through the route of adding 'zero&q...
by coldnose
Tue Feb 05, 2019 7:36 pm
Forum: Personal Investments
Topic: Vanguard Daily Balances
Replies: 13
Views: 2005

Re: Vanguard Daily Balances

I manually entered data into my Excel spreadsheet every month (# of shares, share price, and confirming the balance) for years. I'm in the process of switching over to to keeping a transaction ledger (from which Excel derives the number of current shares) and using an add-in (from this thread: Exce...
by coldnose
Sun Jan 13, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience upgrading to Quicken 2018 or 2019?
Replies: 41
Views: 2786

Re: What's your experience upgrading to Quicken 2018 or 2019?

I have Quicken 2017. At what point will I have to make a decision about converting to the subscription versions? Around April of 2020 if you want to continue using online services such as transaction downloads. The workaround is to enter transactions manually, and import quotes through a spreadshee...
by coldnose
Fri Jan 04, 2019 8:12 am
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 45
Views: 4151

Re: Consolidate to Fidelity?

I would switch away from Vanguard if I could for no other reason than to be able to use a website that wasn't developed by some high school kids. Seriously though, if you have ever had to deal with an inherited estate you will understand the importance of having everything with one broker. If you ha...
by coldnose
Mon Dec 31, 2018 11:13 am
Forum: Personal Investments
Topic: TLH strategy for last trading day
Replies: 9
Views: 694

Re: TLH strategy for last trading day

sadie wess wrote: Mon Dec 31, 2018 10:14 am I have major losses for the year in both VTSAX and VFIAX. (Taxable accounts)

Do I still have time to TLH today?

Sadie
Yes! Until the market closes.
by coldnose
Mon Dec 31, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 165
Views: 12752

Re: Quicken Alternatives

Have people that are using Quicken 2019 noticed a lot of difference over 2017? Their website lists the things below, but they are pretty vague. "Automatically receive regular updates with all the latest product enhancements - no need to continually upgrade; 8 out of 10 customers report experie...
by coldnose
Mon Dec 31, 2018 3:52 am
Forum: Personal Investments
Topic: TLH strategy for last trading day
Replies: 9
Views: 694

TLH strategy for last trading day

Knowing that today is the last day to TLH and there will likely be many investors (like myself) looking to sell which may put downward pressure on prices, what do you think is the logical way to proceed? Early market orders to avoid potential drops? The "10am Rule" to see which way things ...