Search found 17 matches

by InvestorWD
Thu Mar 10, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question (NJ state)
Replies: 4
Views: 561

Re: Tax Question (NJ state)

Thank you Mark! So many nice people here, really appreciated .
by InvestorWD
Thu Mar 10, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question (NJ state)
Replies: 4
Views: 561

Re: Tax Question (NJ state)

Hi Mark Thank you so much for your help! Luckily I did not file Federal tax for myself, so we can still file join return for the federal return. For NJ state return, I agree with your suggestion: we will do amended 1040X after my husband files his return as married filing separate. For 1040X, do we ...
by InvestorWD
Wed Mar 09, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question (NJ state)
Replies: 4
Views: 561

Tax Question (NJ state)

Hi, I got into some trouble with our tax return. I have asked around, but have not received much help. Hopefully someone here had the same experience: By mistake, I filed my NJ state tax with a filing status "married filing separate". I do not owe tax and no refund. My husband has not file...
by InvestorWD
Sat May 09, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investors: be thankful for ETFs!*
Replies: 24
Views: 4605

Re: Vanguard investors: be thankful for ETFs!*

Thanks baw703916. That is good news. I hope to see my first dividend reinvested.
by InvestorWD
Sat May 09, 2015 6:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investors: be thankful for ETFs!*
Replies: 24
Views: 4605

Re: Vanguard investors: be thankful for ETFs!*

Vanguard ETF gives us the option of reinvest capital gain or dividend, that is the option I choose for my VXUS. But what happens if the CG or dividend is not exactly the share price for reinvesting? I understand we cannot purchase partial share for ETFs. Sorry if this is a silly question, I am very ...
by InvestorWD
Sat May 09, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: To ETF or Not to ETF? That is the question.
Replies: 52
Views: 10351

Re: To ETF or Not to ETF? That is the question.

Oh I see. Thanks. I sold some FHLC. I also own VXUS in my Vanguard account, hopefully this one will have no sell charge, but I will hold VXUS for many years.
by InvestorWD
Sat May 09, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: To ETF or Not to ETF? That is the question.
Replies: 52
Views: 10351

Re: To ETF or Not to ETF? That is the question.

I recently sold my ETF fund in my Fidelity IRA account, they charged a $7.95 fee! I was NOT aware of this fee. Does Vanguard charge a fee too when you sell ETF? If yes, how much is it? This is the first time I own ETF (in both Fidelity and Vanguard), so I am still learning.
by InvestorWD
Fri Apr 17, 2015 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117100

Re: U.S. stocks in freefall

Can I buy some International index fund VTIAX today? I don't have any international fund so far... Anyone is buying anything today?
by InvestorWD
Sat Aug 23, 2014 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1620

Re: Capital Gain Tax on Muni Bond Funds

OK, now I got it, thank you so much Livesoft. I have bookmarked this page for future reference.

Thanks.
by InvestorWD
Sat Aug 23, 2014 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1620

Re: Capital Gain Tax on Muni Bond Funds

Hi grabiner, Sorry I am still not very clear on how the bond fund capital gain works. Assume a bond fund (not single bond) has a duration of 2 years, and I hold the fund for 5 years (no sell, no addition), do I still get capital gain when I sell or transfer the fund? I suppose the fund manager is co...
by InvestorWD
Sat Aug 23, 2014 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1620

Re: Capital Gain Tax on Muni Bond Funds

Thank you Livesoft. I will keep this muni fund (no other better choice anyway), and start to read and learn about capital gain taxes. Hopefully I can "graduate" by April 15th, 2015.

Thank you all for your help.
by InvestorWD
Sat Aug 23, 2014 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1620

Re: Capital Gain Tax on Muni Bond Funds

rkhusky - Thanks for your time on checking the bond fund share price data for me!

Dodecahedron and Cfs, Thank you! I guess I must start to learn how to use those Turbotax for capital gain tax return.
by InvestorWD
Sat Aug 23, 2014 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1620

Re: Capital Gain Tax on Muni Bond Funds

Hi baw703916 and Toons, Good morning and thanks for your quick reply! You information certainly helps me a lot. Actually I am not worried about how much tax I have to pay on the capital gain, but rather I hate to deal with capital gain for tax return (Schedule D). I know that sounds silly, please do...
by InvestorWD
Sat Aug 23, 2014 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gain Tax on Muni Bond Funds
Replies: 15
Views: 1620

Capital Gain Tax on Muni Bond Funds

Hi, Please forgive me if this question has already been asked and discussed (I am a new investor). I recently bought some short term muni fund from Vanguard (VWSUX). I thought I can use this fund to park some cash for later transferring to my checking account, or buy some stock mutual funds (I have ...
by InvestorWD
Fri Jul 11, 2014 4:25 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 7550

Re: Asset Allocation At or Near Retirement?

Hi Leif and Livesoft, Thank you so much for helping with my understanding on bond funds. And also to the OP - sorry didn't mean to highjack your post , but my question is related to near retirement investing in bond funds, so that is why I decide to post my question in this discussion. I am embarras...
by InvestorWD
Fri Jul 11, 2014 11:03 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 7550

Re: Asset Allocation At or Near Retirement?

Hi everyone, I am very new to bond fund investing, so PLEASE forgive me if my question is silly or ignorant... Most people here seem to suggest that we should put more money to bond funds (about 50 - 70%) for very conservative investors (I am one of them). However, when I read the news allover, so m...