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I have also had great customer service from Fidelity even though I don't have a large sum of money with them. I contacted them via phone and used their email feature and received prompt responses each time. So far, they have worked out for me

I apologize, in advance, for bumping this thread, but I want to keep everything together. FYI, I tried to get on tfb's website; however, it seems to be down at this time! 2012: • Re-characterized $1,397 from Roth to TIRA (orig. contribution was $1,249) • Made $3,750 non-deductible contribution to TI...

Thank you! I downloaded it and look forward to reading it.

No, I pay through escrow because my credit union required it because of my VA loan. Fortunately for me, my lender has been very good about paying everything on time - so no complaints yet. I have, in the past, paid taxes and insurance separetely for two other homes.

But this has made me wonder about something else - think I've heard about a Visa gift card or something like that. In fact, I wonder if this is exactly what some of you are talking about. Is a pre-paid debit card something different from those pre-paid credit cards that some people get to establish...

1-2k in checking for expenses and 7k in savings; however, right now the savings is at 30k due to a CD that recently matured.

I just picked up my $6.99 copy from Amazon for my Kindle. Thanks for the heads up

95 4-Runner with 190K miles and still going strong when I passed it on to my brother in November!

I purchased my car from a dealership two hours from where I live, but have it serviced locally only because of the warranty and I don't want to void anything. I haven't had any issues with higher pricing, but when the warranty runs out I will have it serviced from someone other than the dealer.

I can see how there would be a fee if the poster is rolling everything out of a tIRA and into a 401k which seems to be what this poster is talking about. They certainly have one if you roll your tIRA from Fido to Vanguard (according to previous posters). I had a $50 fee from Fido when I rolled over...

Yes! I temped twice and also did a 6 month stint of volunteer work and it didn't hurt at all. In fact, it showed that I was trying to learn new skills and keep old ones dusted off. Now, I only had to worry about me (no family) so it was easier to do this. I wouldn't hesitate to do it again if I had ...

Livesoft, thanks for your reply! I hope the process goes very smoothly for you in case you fall under the same situation. I re-read the backdoor Roth Wiki and the link to tfb's post that decribes (in detail) what needs to be done. I contacted Fidelity and got a tIRA account set up because my other I...

I lean towards new. I keep cars for a long time and, with a new car, I get EXACTLY what I want/need (and am willing to pay for). This is part of the reason for the price difference between new and used: with used, you may not get exactly the colors or options that you would've chosen in a new car. ...

No, unfortunately not. I was able to add funds to my TSP via rollover IRA (as described in the link) so if that is an option for you it may be worth consideration.

Good morning Bogleheads, I have been a regular reader since 2011 and this site and the advice is amazing. I recently got married at the end of October, and as fate would have it, our MAGI makes me ineligible to contribute to my Roth for 2012. My problem is that I already have $1,249.32 in my Roth fo...

I have been with NFCU since 1992 and have been very pleased with the customer service that I received over the years, both abroad and in the states. I don't have much experience with big banks because I use my credit union for savings, checking, CD's, and mortgage.

I have 2 -- the Fidelity Freedom Fund 2040 (FFFFX) in my Roth; however, that will change to Fidelity Four-in-One (FFNOX) once I hit the 10K mark & the L2040 in my TSP. FFNOX is actually $2,500 if held in retirement accounts. Wow, thank you very much for this information! I am going to read the ...

I just completed my Fidelity 401(k) rollover to the TSP - painless - and I am eager to see how it works out for me!

I am not a Boglehead yet, but I am learning as much as I can about the philosophy. In 2006, I purchased the 5th Ed. of Personal Finance for Dummies & the 4th Ed. of Investing for Dummies , both by Eric Tyson. They have been packed away for awhile, but I recently started to re-read both of them a...

NFCU has had this rate for sometime. I hope that their rate is as good as this once my 7 yr certificate (5.3%) matures next year! I plan on just sticking with that 7 year timeframe since I don't really need the money for anything.

I have 2 -- the Fidelity Freedom Fund 2040 (FFFFX) in my Roth; however, that will change to Fidelity Four-in-One (FFNOX) once I hit the 10K mark & the L2040 in my TSP.

Hi Taylor,

Thank you for the advice and the warm welcome. I have a lot to learn and many more books to read

Gracie

This portfolio isn’t much, but I am trying to make up for lost time. I am still relatively new to serious investing so I have been reading all I can and I am glad that I found this site a few weeks ago. Here is my modest retirement portfolio: Emergency funds = Yes, 21K (6 months, worst case scenario...