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Re: Switching Ameriprise taxable account to Vanguard

http://www.ameriprise.com/content/files ... T-FORM.PDF

If you've paid for a plan/whatever for the year, you can get a pro-rated refund back by filling out the form.

Good luck!
by VGSailor
Mon Jun 09, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching Ameriprise taxable account to Vanguard
Replies: 16
Views: 857

Re: in-laws/student loans

To clarify, based on cultural thing, that was my expectation. I'm not an enforcer though, so she has all the rights in the world to be with anyone she wants to. If that's what she chooses, then I believe I have the right to rescind my offer to co-sign. Circumstances have changed. That's how I look ...
by VGSailor
Wed May 28, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

To clarify, based on cultural thing, that was my expectation. I'm not an enforcer though, so she has all the rights in the world to be with anyone she wants to. If that's what she chooses, then I believe I have the right to rescind my offer to co-sign. Circumstances have changed. That's how I look ...
by VGSailor
Wed May 28, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

I'm not the OP, but on the subject of the boyfriend... I don't think it's the fact that she is dating someone. I think it's the fact that she has been secretly dating someone for the last 6 years (since she was a freshman in high school), and this is just now coming out. Dating someone is not a big...
by VGSailor
Wed May 28, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

I'm not the OP, but on the subject of the boyfriend... I don't think it's the fact that she is dating someone. I think it's the fact that she has been secretly dating someone for the last 6 years (since she was a freshman in high school), and this is just now coming out. Dating someone is not a big...
by VGSailor
Wed May 28, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

Ok. I don't quite get why you would think that is creepy, but let me explain. My sister-in-law is honest and fully intends to pay back the loan that she took out (I understand that I co-signed) to fund her education. She looks at the situation as it is her debt to be repaid. This is something that ...
by VGSailor
Wed May 28, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

With regards to number 2, I have never requested information about her boyfriend. I'd like to make that clear. I totally agree about me not having a right to that information. I think you misunderstand the situation here. The fact came out that she had a boyfriend. I no longer became comfortable co...
by VGSailor
Wed May 28, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

The real problem with co-signing is that the other person can also ruin your credit... If they don't tell you they stopped paying the loan payments, YOUR credit may be dinged as well as theirs. Make sure there's some way you can monitor if the payments are being made, so if they aren't, you can mak...
by VGSailor
Wed May 28, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

I am with those who say 1) co signing was a mistake , write the money off as a lesson learned. Nothing is your fault, since you have no such obligation. 2) You have absolutely NO right whatever to information on her private life. NONe Zero NADA. Stop mentioning it, Stop thinking about it. Especiall...
by VGSailor
Wed May 28, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

Hi VGSailor, Rule number one: never cosign a loan to family. Gift them the money. I do not think you did not anything wrong. However your expectation that cosigning /lending money IMHO gave you control is mistaken. She has the control since you have no recourse. Reading your replies, I infer you do...
by VGSailor
Wed May 28, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

Suffice to say, I did not want to get involved with any of this. But I'm family, so the obligation was there to help. For what it's worth, I trust the sister-in-law to pay the loans back. I've framed the situation to her that if she doesn't pay the loan back herself when she is finished school, the...
by VGSailor
Wed May 28, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

Suffice to say, I did not want to get involved with any of this. But I'm family, so the obligation was there to help. For what it's worth, I trust the sister-in-law to pay the loans back. I've framed the situation to her that if she doesn't pay the loan back herself when she is finished school, then...
by VGSailor
Tue May 27, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: in-laws/student loans

To clarify: She is in a Pharm D program. It was not a wise financial decision to do so, and I made those points to the family back three years ago, but her parents said doesn't matter and essentially forced her to go this route. Clearest cut path to the big bucks! I did co-sign the first two years, ...
by VGSailor
Tue May 27, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

in-laws/student loans

I wanted to post the following situation in order to get some perspective on the situation. The in-laws live on the west coast, but have a daughter going to college on the east coast. The daughter (my sister-in-law) goes to college near where my wife and I live (30 miles away). This fall, the daught...
by VGSailor
Tue May 27, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2564

Re: What did you do with unwanted baby gear?

Is there a second hand baby store around where you live?

They may not take car seats due to safety reasons, but other stuff they should.
by VGSailor
Sat Jan 04, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1302

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

I will go with 1933.34
by VGSailor
Sat Jan 04, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 14111

Re: Break Away from Ameriprise

I was with Ameriprise for a short while but moved everything over to Vanguard. As someone said, contact Vanguard and you'll likely want to do an in-kind transfer (if possible). Once you transfer, you can then sell and buy cheaper Vanguard funds. People here can help you pick an asset allocation and ...
by VGSailor
Fri Nov 01, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Break Away from Ameriprise
Replies: 7
Views: 1312

Re: Moved to the city and car insurance premiums skyrocketed

I pay Geico 338.00 total every 6 months for 2 cars,2012 Honda Fit,2013 Honda Crv full coverage. It takes just a few minutes to get a quote from the Geico website. I was with State Farm about for 12 years,switched to Geico 5 years ago,premiums drastically different. By the way I am not affiliated wi...
by VGSailor
Thu Aug 29, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moved to the city and car insurance premiums skyrocketed...
Replies: 29
Views: 2106

Re: Deferred Payment Loan

Thanks grabiner and Rainier. So at the end of thirty years, the payment is $66,626 + shared appreciation value. This is all due at once at 30 years if they were to live in the house for that long. My understanding of this program/mortgage is that during this 30 years, the family should be saving so ...
by VGSailor
Thu Aug 22, 2013 6:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Payment Loan
Replies: 4
Views: 515

Deferred Payment Loan

Hi All, I'm trying to figure out a home mortgage situation but am unclear on some terms. I'm wondering if someone could help me understand it a little better. Background: Low-income couple wanted to purchase a house. They went through Homesight, an organization that helps low-income households buy a...
by VGSailor
Wed Aug 21, 2013 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Payment Loan
Replies: 4
Views: 515

Re: Ameriprise + steps to transfer to Vanguard

-- My advisor is paid in mid-January so I'm assuming I just ride out the rest of this year before transferring? Thanks. Den This is my favorite part about helping someone who is looking to switch from Ameriprise. http://www.ameriprise.com/content/files/AMP_402004.pdf Fill out this form and at least...
by VGSailor
Fri Jun 28, 2013 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ameriprise + steps to transfer to Vanguard
Replies: 14
Views: 1164

Re: helping brother with investment

Thank you for your replies so far. I will double back with my family and let them know of the CD options at 1-1.5%. I will also check local credit unions, etc. since my family may be more comfortable with a brick and mortar. That said, it seemed like my family wasn't so keen on the 0.4% and was will...
by VGSailor
Tue Jun 11, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: helping brother with investment
Replies: 4
Views: 755

helping brother with investment

Hello folks, Let's say that someone has 100K in CDs that is about to mature. There is no immediate need for this money, but it is also not earmarked for retirement. This is money that could be used in a wedding or house down payment within the next 5 years. My estimate is that it wouldn't be needed ...
by VGSailor
Sun Jun 09, 2013 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: helping brother with investment
Replies: 4
Views: 755

Re: Price on Amazon.com yesterday? (Pre-order Guarantee)

They have been completely above-board with me on every order. At one point I looked it up, and I had spent more than $20,000 with them. We are probably up to $30,000 now. I think the corporate culture is about being honest and decent; they walk the walk. Did you sum up the total of your purchase yo...
by VGSailor
Fri May 24, 2013 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1919

Re: How do I tell how I am doing? (and general advice)

Perpetual, I will also add that Mint.com doesn't track investments correctly. I wouldn't really follow that. With regards to tracking performance, I personally look at it as how much did I put in and how much is it worth now. As others have said, not sure what you would do with this information, but...
by VGSailor
Wed Apr 17, 2013 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I tell how I am doing? (and general advice)
Replies: 25
Views: 3126

Re: Poor couple looking for retirement IRA advice

We have done our taxes but have not sent them yet. our AGI for 2012 after 401k deductions and health was $35,696. I never knew about this savers credit thing that you are all talking about. I guess I don't understand how we can claim a savers credit on his 401k contributions and our IRA contributio...
by VGSailor
Mon Feb 11, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 4754

Re: American opportunity tax credit calculations

Jared,

Yea, I guess this was my question. Thanks for finding that source of information for me. It seems to me the most straightforward way to figure it out is to just ask the school.
by VGSailor
Sun Feb 10, 2013 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 1054

Re: American opportunity tax credit calculations

OK, so even though the 1098-T may show the amount billed for 2012 as $10,000, you didn't pay all of it (my 1098-T does not show amount paid, only amount billed). If it were me, I'd do whichever was to my advantage depending on my tax situations in 2012 vs. 2013. Otherwise, it doesn't matter, since ...
by VGSailor
Sat Feb 09, 2013 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 1054

Re: American opportunity tax credit calculations

Thanks everyone for your replies. I'm not sure if my question was clear or if I made clear what my question was. I think it boils down to this. Let's say, Tuition Spring 2013: $10,000 Room Spring 2013: $5,000 In December 2012, I pay $5,000 to cover some of the costs of 2013; In January, I pay the re...
by VGSailor
Sat Feb 09, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 1054

American opportunity tax credit calculations

Hello all, I have a question regarding the American opportunity tax credit; specifically, it is regarding the calculation of qualified educational expenses. An example below shows my confusion: Tuition for Fall2012 and Spring2013: $20,000 Room and board for Fall2012 and Spring2013: $10,000 Paid out ...
by VGSailor
Sat Feb 09, 2013 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: American opportunity tax credit calculations
Replies: 13
Views: 1054

Re: Our cable bill is over $200 !!!

I only have basic cable because my internet is actually cheaper bundled with it rather than stand-alone.

So basic cable and internet for me costs $45/month; cell phone is $30/month.
by VGSailor
Tue Feb 05, 2013 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Our cable bill is over $200 !!!
Replies: 89
Views: 8911

Re: cheap cell plan with minutes only

http://prepaid-phones.t-mobile.com/monthly-4g-plans

I would try T-mobile monthly plan. I have my wife on the $30 1500 minutes text and talk. Cheapest option for us even though we don't necessarily use up all those minutes.
by VGSailor
Thu Jan 03, 2013 10:09 pm
 
Forum: Personal Consumer Issues
Topic: cheap cell plan with minutes only
Replies: 14
Views: 1487

Re: IRA contribution mistake

billyT, EDIT: I'm assuming billyT just made a mistake in contributing to a tIRA instead of a ROTH (not that there were excess contributions) I had a similar problem as you: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=101421 I contributed to a tIRA but then afterwards realized that I woul...
by VGSailor
Wed Jan 02, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA contribution mistake
Replies: 21
Views: 1155

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1568.23
by VGSailor
Wed Jan 02, 2013 11:29 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15504

Re: Budgeting Tools

I agree with the excel recommendation. Set up it up so that you can enter in your monthly income and expenses. If you use mint, it can help greatly for categorizing things. For example, you could have a Bills category, with sub-categories for Electricity, gas, phone, internet, etc. You can use mint ...
by VGSailor
Wed Nov 28, 2012 11:27 am
 
Forum: Personal Consumer Issues
Topic: Budgeting Tools
Replies: 18
Views: 1437

Re: Loophole to Avoid Ameriprise ~$200 Termination Fee?

Have you been paying an advisor fee all these years as well? That you may be able to get back or at least pro-rated. Ameriprise has a form for such purposes. http://www.ameriprise.com/global/docs/refund-request-form.pdf I was able to get some money back after my "advisor" said he was only ...
by VGSailor
Fri Nov 23, 2012 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Loophole to Avoid Ameriprise ~$200 Termination Fee?
Replies: 6
Views: 813

Re: gift giving etiquette for not attending bday party

Yea, the co-worker invited everyone in the office, not just my wife.
by VGSailor
Tue Oct 16, 2012 9:18 pm
 
Forum: Personal Consumer Issues
Topic: gift giving etiquette for not attending bday party
Replies: 33
Views: 2216

Re: gift giving etiquette for not attending bday party

Of course, you can't attend the party since you already have a family reunion (or something like that) on your schedule 8-) , but a small inexpensive gift is perfectly fine for someone not attending, especially since there is no real tangible (or positive) relationship between the two. If this pers...
by VGSailor
Mon Oct 15, 2012 8:51 pm
 
Forum: Personal Consumer Issues
Topic: gift giving etiquette for not attending bday party
Replies: 33
Views: 2216

Re: Recommendation for laptop

Linuxuser, I know nothing about computers, but how would one clean the vents on a laptop? My wife has a laptop and I would like to prevent such issues if I can. Thanks. You can take compressed air and do quick spurts into the air vents. That should get out some of the dust balls. The best thing to ...
by VGSailor
Sun Oct 14, 2012 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for laptop
Replies: 16
Views: 1064

gift giving etiquette for not attending bday party

My wife was invited by a co-worker for her child's 1st birthday party. This co-worker originally didn't really like my wife for some reason and behaved very rudely towards her. For example, my wife says hello and the co-worker would ignore her. Then about a month or so ago, this co-worker does a com...
by VGSailor
Fri Oct 12, 2012 9:26 pm
 
Forum: Personal Consumer Issues
Topic: gift giving etiquette for not attending bday party
Replies: 33
Views: 2216

Re: Comcast "Blast" Internet Service: Worth It?

I would have to say no. Are you currently having issues right now with downloading/streaming video? Here was my experience. I was on the promotional Performance plan which offered 20Mbs down. Ok, everything works great, netflix, hulu, youtube, general video streaming, etc. The promotion ends, so I s...
by VGSailor
Wed Oct 03, 2012 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Comcast "Blast" Internet Service: Worth It?
Replies: 20
Views: 22768

Re: Cell phones breaking budgets!

I pay $38/month for cell phone and $30/month for internet. Cell phone is $30/month T-Mobile pre-paid plan for my wife since she uses the phone to talk/text to her family. 1500 minutes a month is more than enough to do that. For myself, I do the $100 for 1000 minutes a year so it ends up being $8/mo...
by VGSailor
Thu Sep 27, 2012 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10089

Re: Cell phones breaking budgets!

I pay $38/month for cell phone and $30/month for internet. Cell phone is $30/month T-Mobile pre-paid plan for my wife since she uses the phone to talk/text to her family. 1500 minutes a month is more than enough to do that. For myself, I do the $100 for 1000 minutes a year so it ends up being $8/mon...
by VGSailor
Thu Sep 27, 2012 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10089

Re: recharacterization question

Ok. Thank you everyone. I will call Vanguard and let them explain it to me and tell me what to do. I didn't know if they would handle it for me or not. This makes it easier for me then, since I don't have to figure it out by myself. I will also include a letter explaining what I did when I send in m...
by VGSailor
Tue Aug 21, 2012 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: recharacterization question
Replies: 5
Views: 470

Re: big diamond ring

I have bought my engagement and wedding rings from bluenile. I'm not an expert on diamonds, etc. but I can vouch that they are are legitimate company. For the engagement ring, we got all the certified documentation along with it. They sometimes have a 10% discount promotion so you might want to wait...
by VGSailor
Tue Aug 21, 2012 8:43 am
 
Forum: Personal Consumer Issues
Topic: big diamond ring
Replies: 80
Views: 10128

recharacterization question

Hello, Let's say that one needed to recharacterize a tIRA contribution to a ROTH. I've been reading about recharacterizations and just wanted to make sure that I have this understanding correct. On May 21st, I made a $5k contribution to VEIEX (emerging markets) in my tIRA bringing the total balance ...
by VGSailor
Tue Aug 21, 2012 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: recharacterization question
Replies: 5
Views: 470

Re: Furniture "protection plans'

Maybe I am old school but I never buy extended warranties or protection plans. It always bugs me when I play a major appliance or car and they want to sell me protection. Quality of design/manufacturing should be enough protection. Did i mention i was old skool I once was buying furniture and was a...
by VGSailor
Fri Aug 17, 2012 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Furniture "protection plans'
Replies: 10
Views: 5060

Re: Getting out of a retirement date fund.

I would check with HR about the 401k plan regarding load fees. Most times, the load fees are waived in the 401k plan. I was in a similar situation. My company was switching 401ks and gave us a list of new funds to choose from. I started doing research on them and looked up the funds on Morningstar. ...
by VGSailor
Fri Aug 03, 2012 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting out of a retirement date fund.
Replies: 12
Views: 1707

Re: How to fire your adviser

Firing my adviser was easy too. I sent him an email and said I was transferring my assets to another institution due to personal reasons (which was a result of finding this forum and learning to do it myself). I didn't even explain this and just went with, it's not you, it's me. I don't want to talk...
by VGSailor
Wed Jun 27, 2012 8:24 am
 
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 5117

Re: Vanguard Stock Tracking Feature

Can you tell me where this feature is located?
by VGSailor
Thu Jun 14, 2012 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Stock Tracking Feature
Replies: 4
Views: 419
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