That's the same as it's always been. Your salary won't keep up with jumpers. If you want the money, you have to play that game. I elected not to. I just stayed at MyMegaCorp (32 years now) took the moderate raises, etc.
Brian
Search found 7476 matches
- Fri Jul 26, 2013 12:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Falling behind the age / salary curve?
- Replies: 37
- Views: 7080
- Fri Jul 26, 2013 12:40 pm
- Forum: Personal Consumer Issues
- Topic: Stumped by a Stump
- Replies: 49
- Views: 6329
Re: Stumped by a Stump
If you're reasonably comfortable with power equipment, small stump grinders can be rented. I'm assuming the stump is relatively small as it was an overgrown weed and you handled the cutting down on your without a professional.
Brian
Brian
- Fri Jul 26, 2013 12:35 pm
- Forum: Forum Issues and Administration
- Topic: Please Try Out Test Posts Here
- Replies: 446
- Views: 377140
Re: Please Try Out Test Posts Here
The steps vary somewhat depending on your browser. With FireFox for Windows 7, you right-click on the graph. One of the context-menu choices is Save Image As . . . If that is selected, a file-save box appears. The default for my brower is GenerateFundChart.ashx.png.ruralavalon wrote:I get as far as creating the comparison graph at Morningstar. Is there any more to do before the steps you describe?
You can change the name to whatever you like and select the folder to save it in. That will save it to your hard drive or flash drive or whatever you choose. You should be able to then open the saved file with an image-viewer or paint program.
From there, dratkinson's instructions are solid.
Brian
- Fri Jul 26, 2013 10:51 am
- Forum: Personal Investments
- Topic: Home mortgage - tax deduction
- Replies: 10
- Views: 1687
Re: Home mortgage - tax deduction
Last year, I took out a home-equity loan on a paid-off house to invest. My peace of mind is GREAT. I've never had any fear of debt.danwhite77 wrote:I paid cash for my house last year (summer). Obviously, there's been a huge run-up in equities since then. However, I have absolutely no regrets about paying cash rather than trying to arbitrage investment gains. To me, peace of mind is something that can't be quantified.
Brian
- Fri Jul 26, 2013 10:46 am
- Forum: Personal Investments
- Topic: Revised portfolio - seeking advice and options for old plans
- Replies: 40
- Views: 4037
Re: Revised portfolio - seeking advice and options for old p
How close are you to phase out on Roth contributions? That's the area where rolling a 401(k) to IRA can be a problem, as it can interfere if backdoor Roth is needed. The 403(b) looks great, I'd consider consolidating the old account there.
Brian
Brian
- Fri Jul 26, 2013 10:39 am
- Forum: Investing - Theory, News & General
- Topic: 72% 401K Contribution - My Wife Worries People Will Wonder!
- Replies: 53
- Views: 8540
Re: 72% 401K Contribution - My Wife Worries People Will Wond
MyMegaCorp caps at 25% of paycheck, which is too bad. The plan automatically switches to after-tax contributions when the deferral limit is reached, and it allows in-service distribution of after-tax contributions. I could sock away a lot more in Roth if the limit were higher.
Brian
Brian
- Fri Jul 26, 2013 10:34 am
- Forum: Investing - Theory, News & General
- Topic: Maxing out 401K
- Replies: 7
- Views: 1170
Re: Maxing out 401K
Sounds to me like you should at least try. It doesn't sound like they're refusing to allow a higher contribution level. If you get some contributions returned, you're no worse off than if you didn't try.
Brian
Brian
- Fri Jul 26, 2013 10:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Staying in same company for long - any benefits?
- Replies: 27
- Views: 5067
Re: Staying in same company for long - any benefits?
One of the things MegaCorps can frequently offer is opportunity to change what you're doing. Look into possibilities to move to a different group by internal rotation. Talk to HR and see what kind of mechanisms are in place. I went from Electronics Engineer to Software Engineer.
As others mentioned, you might see if there is a educational program. I received two MS degrees on the MyMegaCorp dime. Taking challenging graduate courses can help relieve that boredom.
Brian
As others mentioned, you might see if there is a educational program. I received two MS degrees on the MyMegaCorp dime. Taking challenging graduate courses can help relieve that boredom.
Brian
- Thu Jul 25, 2013 6:24 pm
- Forum: Personal Investments
- Topic: Poll for tilters: how does Small Value fit into your AA?
- Replies: 32
- Views: 2975
Re: Poll for tilters: how does Small Value fit into your AA?
Could you explain why? Preferably with charts and graphs and twenty seven eight-by-tenTrev H wrote:I marked as a % of equities, but could have also marked % of us equities.
My equities are a simple 4 x 25% split between US Large Market, US Small Value, International Large Value, International Small Market.
color glossy pictures with circles and arrows and a paragraph on the back of each one.
Brian (yes I'm kidding)
- Thu Jul 25, 2013 6:16 pm
- Forum: Personal Investments
- Topic: Anyone own any small cap stock ETFS? Thoughts on VBR Vs. VBK
- Replies: 6
- Views: 1249
Re: Anyone own any small cap stock ETFS? Thoughts on VBR Vs.
Shouldn't bonds have an equal chance of high returns as stocks given that nobody has a crystal ball?genjix wrote:So if history shouldn't have any effect in the decision making process why does the wiki use the term "historically" and "based on past performance" and why tilt at all? Shouldn't large cap have an equal chance of high returns as small caps given that nobody has a crystal ball.
Academic studies have indicated that small and value factors have a higher expected return. Just as stocks have a higher expected return over bonds. The most commonly accepted explanation is that small and value are riskier.
If you don't want to tilt, don't.
Brian
- Thu Jul 25, 2013 6:04 pm
- Forum: Investing - Theory, News & General
- Topic: Four Dangers of Investing Like Your Grandfather
- Replies: 8
- Views: 1800
Re: Four Dangers of Investing Like Your Grandfather
How come we never hear anything about Lord Gaga?[1]umfundi wrote:At the risk of incurring the wrath of LadyGeek, the most interesting thing on the site is the item about LadyGaga. (Which is not that interesting, actually.)
1. Shamelessly stolen from Dave Letterman
Brian
- Thu Jul 25, 2013 5:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Poll: Should I pay off my student loans?
- Replies: 14
- Views: 1861
Re: Poll: Should I pay off my student loans?
I would not pay them off early.
Brian
Brian
- Thu Jul 25, 2013 5:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Helping a friend with credit
- Replies: 17
- Views: 1830
Re: Helping a friend with credit
Regarding the past debts, if it's been a while and they have been charged off, it's unlikely that paying them will improve the score. The damage has been done. Are the CC companies dunning her for the amounts?
Brian
Brian
- Thu Jul 25, 2013 5:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Selling home, can I postpone a mortgage payment?
- Replies: 6
- Views: 944
Re: Selling home, can I postpone a mortgage payment?
I would call the mortgage holder and explain the situation. Ask for the easiest way to accomplish what you will need to do. As noted, there is likely a grace period.
Brian
Brian
- Thu Jul 25, 2013 5:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Bank Of America/Merrill Edge
- Replies: 10
- Views: 2490
Re: Bank Of America/Merrill Edge
Here is some information about the free trades. Note that, unlike the Wells Fargo PMA deal (closed to new accounts) this does not include mutual funds: To qualify for $0 equity and ETF trades, you must meet one of these criteria: Maintain total combined balances of $25,000 or more in your Bank of America, N.A. deposit accounts: checking, savings, FDIC-insured CDs or FDIC-insured IRAs Maintain total combined balances of $25,000 or more in cash balances in your Merrill Edge self-directed account(s): Bank Deposit Accounts sweep option with your Cash Management Account (CMA) or Retirement Assets Savings Program (RASP) sweep with your IRA Qualify for the Platinum Privileges® program, which requires that you have an active Bank of America persona...
- Thu Jul 25, 2013 3:37 pm
- Forum: Personal Investments
- Topic: Poll for tilters: how does Small Value fit into your AA?
- Replies: 32
- Views: 2975
Re: Poll for tilters: how does Small Value fit into your AA?
The allocation is 20% of stocks, which currently works out to 12% overall. There is also a REIT allocation of 10% of stocks and US small-blend at 10% as well. International small-blend is another 10%.
Brian
Brian
- Thu Jul 25, 2013 3:31 pm
- Forum: Personal Investments
- Topic: Backdoor Roth now vs. Roth Ira
- Replies: 8
- Views: 1203
Re: Backdoor Roth now vs. Roth Ira
No. You (collective assuming MFJ) would owe taxes on that conversion. After that, there's no problem with backdoor Roth.jcholstein wrote:Ok so another question, what if my wife rolledover traditional ira (not much) to a roth ira? Would there be any issues with doing a backdoor ira in here situation?
Brian
- Thu Jul 25, 2013 2:03 pm
- Forum: Personal Investments
- Topic: Traditional IRA to Roth Help
- Replies: 5
- Views: 677
Re: Traditional IRA to Roth Help
What problems do you see? Usually it involves getting a direct rollover check from the IRA custodian, then forwarding that with the correct form to the qualified plan.xyz12 wrote:IExisting: Traditional IRA at Vanguard, ~$6,000 (all pre-tax money)
Existing 401K: Accepts incoming rollovers, but the process looks to be a gigantic headache -- already did it once with a 401K and an IRA looks even worse.
Brian
- Thu Jul 25, 2013 2:01 pm
- Forum: Personal Investments
- Topic: Request for Guidance on Asset Allocation. Cash waiting!!
- Replies: 34
- Views: 4612
Re: Request for Guidance on Asset Allocation. Cash waiting!!
Some custodians have Signal shares available for some Vanguard funds. Those have similar or identical ERs to Admiral.dbr wrote:You can't buy Vanguard Admiral index funds at other brokers. You can buy Vanguard Admiral non-index funds at other brokers, for example, Treasury bond funds, which are not index funds.
Brian
- Thu Jul 25, 2013 1:59 pm
- Forum: Personal Investments
- Topic: Advice on Portfolio
- Replies: 6
- Views: 1531
Re: Advice on Portfolio
I would be inclined to flip these to go with large blend and small value.US Large Cap Value - 25%
US Small Cap - 25%
Brian
- Thu Jul 25, 2013 1:04 pm
- Forum: Investing - Theory, News & General
- Topic: vanguard total bond versus intermediate bond
- Replies: 56
- Views: 17013
Re: vanguard total bond versus intermediate bond
I put money in my stable value fund too, for similar reasons. However, I do worry a little because I don't believe in free lunches. Insurance companies will not allow themselves to lose money. If this bet goes against them, something is sure to change. Generally what happens is that the rate will lag changes in bond yields. So what you get are situations where bond yields have gone up (reducing their NAV along the way) but the StV fund is still down or even going down farther. There are some that paint dire scenarios, where the yields go up and the StV fund rates don't, so people panic and flee the fund, causing need for massive redemptions, selling bonds at losses, snowballing into oblivion. This seems nonsensical to me. People invested i...
- Thu Jul 25, 2013 12:51 pm
- Forum: Investing - Theory, News & General
- Topic: What did Bogleheads do when the stock market crashed?
- Replies: 129
- Views: 88571
Re: What did Bogleheads do when the stock market crashed?
It was a bit of a gut-check for me. I had developed my shiny new allocation and brought in a bunch of cash in summer of 2007. "Inner Cheap Guy" was freaking a bit over the falling values, but "Engineer Guy" stuck to the plan (although "we" quit reading Bogleheads for awhile).
Major rebalance and tax-loss-harvest activities were performed in fall of 2008 and summer of 2009. New money continued to be invested to plan.
Brian
Major rebalance and tax-loss-harvest activities were performed in fall of 2008 and summer of 2009. New money continued to be invested to plan.
Brian
- Thu Jul 25, 2013 12:43 pm
- Forum: Investing - Theory, News & General
- Topic: If I had retirement accounts to asset allocate over again
- Replies: 7
- Views: 1853
Re: If I had retirement accounts to asset allocate over agai
You're fooling yourself into thinking that you can time the market based on what has already happened. If it were that easy, everyone would already do it. What history really shows is that it's more than "difficult", it's nearly impossible to out-guess the markets. Sure, if you went back in time you'd do great.
Those who stuck with their allocation can continued to invest new money to plan came through that period in fine fashion.
Brian
Those who stuck with their allocation can continued to invest new money to plan came through that period in fine fashion.
Brian
- Wed Jul 24, 2013 6:44 pm
- Forum: Personal Investments
- Topic: wash sale rule
- Replies: 5
- Views: 678
Re: wash sale rule
The first scenario presented was buy 100, sell 100. The second was buy 100, sell 50. The one you present was not one of them.Wagnerjb wrote:Brian: I am not sure I follow you. How about if we use this example (which is what I thought the OP asked):
OP buys 50 shares for $100 each on Day 1
OP buys 50 shares for $60 each on Day 10
OP sells 50 shares for $50 on Day 15
Brian
- Wed Jul 24, 2013 3:50 pm
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1566170
Re: What Book Are You Currently Reading? Part V
Finishing up The Last Word, the latest (final?) book in the Spellman series by Lisa Lutz. These are the tales of a somewhat dysfunctional family of private investigators. It, like the others so far, is narrated by former juvenile-delinquent middle child Isabel "Izzy" Spellman. It picks up following her coup at the end of last book, where she wrested control of the business from her parents. So along with her usual messy personal life, she's now "the boss" and all that entails, including her parents' passive-aggressive retaliations.
Brian
Brian
- Wed Jul 24, 2013 3:10 pm
- Forum: Personal Investments
- Topic: How Can I Avoid the $95 Edward Jones Account Closing Fee?
- Replies: 34
- Views: 23627
Re: How Can I Avoid the $95 Edward Jones Account Closing Fee
No, but you can transfer in-kind and sell once you get to the new custodian. That's the preferred method by many. You aren't out of the market and you don't need to wait on a custodian that has no incentive to do things quickly.WEL wrote:Vanguard can't liquidate my EJ funds and transfer them to Vanguard in a taxable account.
Brian
- Wed Jul 24, 2013 3:08 pm
- Forum: Personal Investments
- Topic: How Can I Avoid the $95 Edward Jones Account Closing Fee?
- Replies: 34
- Views: 23627
Re: How Can I Avoid the $95 Edward Jones Account Closing Fee
There's no point in asking Vanguard. They won't.rustymutt wrote:If you're tranferring this over to another institution, ask that institution to pay the fee. Can't hurt to ask them.
Brian
- Wed Jul 24, 2013 1:57 pm
- Forum: Personal Investments
- Topic: wash sale rule
- Replies: 5
- Views: 678
Re: wash sale rule
There won't be a wash sale in the end, no matter what. If you choose to use average basis, then it will all be considered together.Wagnerjb wrote:[I believe the answer to that lies in how you purchased the original 100 shares. If you bought two lots of 50 each (maybe even on the same day), selling one lot within 30 days (for a loss) may be a wash sale. If your original purchase was 100 shares, I don't believe you have an issue.
If you didn't choose average, then you might get a transitory wash with covered shares where the loss on the first set get transferred to the basis of the second. Then the sale of those realizes the loss. If they aren't covered, then it doesn't matter. List purchase date as "various".
Brian
- Wed Jul 24, 2013 12:18 pm
- Forum: Personal Investments
- Topic: Contribution Balancing
- Replies: 3
- Views: 561
Re: Contribution Balancing
I target lagging allocations. My 401(k) contributions have been largely fixed-income for years now to keep that in range with the booming stock market. Similarly, when cash outside of that has accumulated and needs to be invested, I see which allocations need to be topped up.
The Big Spreadsheet helps. It calculates target allocations and computes the delta from nominal for each allocation and sub-allocation.
Brian
The Big Spreadsheet helps. It calculates target allocations and computes the delta from nominal for each allocation and sub-allocation.
Brian
- Wed Jul 24, 2013 12:13 pm
- Forum: Personal Investments
- Topic: Review/Advice for investment plan and AA?
- Replies: 4
- Views: 679
Re: Review/Advice for investment plan and AA?
I wouldn't bother with the brokerage link. You have adequate low-cost funds in the 401(k). If you want to do some tilting, I'd go with small-value in the Roth. You could probably split the rollover from the old 401(k) to increase IRA space if you really felt it to be necessary. Find out details from old and new plans.
As far as the plan changing, things tend to move slowly at large companies. If they've gone through the trouble of getting below-market- rate ERs on funds and setting up a brokerage link, I wouldn't worry too much about those changing.
Brian
As far as the plan changing, things tend to move slowly at large companies. If they've gone through the trouble of getting below-market- rate ERs on funds and setting up a brokerage link, I wouldn't worry too much about those changing.
Brian
- Wed Jul 24, 2013 11:41 am
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
I found a copy of the letter I sent to Wells Fargo. The monetary figure was $850. So a bit over $650 profit to move two accounts.Default User BR wrote:3. I don't make idle threats. During (2) I contacted TD Ameritrade, where I still had small accounts. I asked them what they could do if I moved two accounts of sizes XX and YY over. They gave me a monetary figure.
Brian
- Wed Jul 24, 2013 11:33 am
- Forum: Investing - Theory, News & General
- Topic: vanguard total bond versus intermediate bond
- Replies: 56
- Views: 17013
Re: vanguard total bond versus intermediate bond
And did what with the money?Senin wrote:I dumped my bonds a while ago. All of them.
Brian
- Wed Jul 24, 2013 10:14 am
- Forum: Investing - Theory, News & General
- Topic: Why can't I get a "demand account" at Vanguard?
- Replies: 48
- Views: 8346
Re: Why can't I get a "demand account" at Vanguard?
I'm not entirely sure what the OP is looking for. As far as FDIC-protected sweep accounts, Sharebuilder has the best I've seen. It's paying 0.5%, which is competitive with many online checking accounts. I don't know if it's possible to write checks or that sort of thing.
http://www.sharebuilder.com/sharebuilde ... rates.aspx
Brian
http://www.sharebuilder.com/sharebuilde ... rates.aspx
Brian
- Wed Jul 24, 2013 9:27 am
- Forum: Personal Finance (Not Investing)
- Topic: Do the majority of people pay their Credit Card bill online
- Replies: 117
- Views: 10978
Re: Do the majority of people pay their Credit Card bill onl
I can get stamps from the ATM. I haven't been to the Post Office in some time.
Brian
Brian
- Tue Jul 23, 2013 4:47 pm
- Forum: Personal Investments
- Topic: Total Int'l Index NAV: Investor vs. Admiral
- Replies: 2
- Views: 502
Re: Total Int'l Index NAV: Investor vs. Admiral
They usually start the share price at some even, moderate amount. The funds were started at different times. The NAV is basically meaningless.
Brian
Brian
- Tue Jul 23, 2013 3:16 pm
- Forum: Personal Investments
- Topic: What to do with $250 per month
- Replies: 6
- Views: 3068
Re: What to do with $250 per month
"There is insufficient data for a meaningful answer".
See: http://www.bogleheads.org/forum/viewtop ... f=1&t=6212
Brian
See: http://www.bogleheads.org/forum/viewtop ... f=1&t=6212
Brian
- Tue Jul 23, 2013 2:56 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Stable Value Fund(s)
- Replies: 6
- Views: 1615
Re: Vanguard Stable Value Fund(s)
I believe some 401(k) plans have such funds from Vanguard. Why do you want to know? They aren't the sort of thing the individual investor can get these days. You either have a plan with stable-value or you don't.
Brian
Brian
- Tue Jul 23, 2013 2:28 pm
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
So what was the major reason you left? It went like this: 1. I missed reupping the PMA and it went dormant. 2. I was determined not to call. I wanted the email people to deal with it. In general, their email/secure messaging service is the worst I've encountered. They basically claim not to be able to do anything. After several exchanges, I told them I would leave if they didn't handle it. They did (I KNEW they could). 3. I don't make idle threats. During (2) I contacted TD Ameritrade, where I still had small accounts. I asked them what they could do if I moved two accounts of sizes XX and YY over. They gave me a monetary figure. 4. I called customer service and relayed that information to them. The rep said that they wouldn't consider any...
- Tue Jul 23, 2013 1:49 pm
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
This is a pointless annoyance, I agree, and was one of the reasons that I left. It wasn't the major one, but it started the ball rolling and factored in.CoderDude wrote:But, at least in the past, there was an issue with leaving the PMA account totally dormant. If you didn't have a transaction in the PMA account for over 6 months, it would disappear from your online account, and you'd need to call them to reactivate the account.
Brian
- Tue Jul 23, 2013 1:23 pm
- Forum: Personal Investments
- Topic: Bonus investing
- Replies: 20
- Views: 7069
Re: Bonus investing
I'd refinance the car at Penfed to 1.74%, then pay it on schedule.
[edit, corrected the rate]
Brian
[edit, corrected the rate]
Brian
- Mon Jul 22, 2013 6:25 pm
- Forum: Personal Investments
- Topic: Late 30s: 2 Years In
- Replies: 42
- Views: 5704
Re: Late 30s: 2 Years In
The rates PenFed was throwing around last year were so good I wished I had a decent-value vehicle to refinance. The Bronco was too old. I had to console myself with a home-equity loan.
Brian
Brian
- Mon Jul 22, 2013 5:39 pm
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
I'm sorry you didn't read the terms and conditions. But to call it unethical is ridiculous. Free accounts opening but closing fees is pretty much industry standard. If you choose to just pay it and go to Vanguard, that's your decision.CoderDude wrote:Rotating brokerages is not a game I want to play, and I'm pissed that I will be charged $600 to get out of the game. To me, it feels unethical to let someone open an account for free, then charge them if they want to close it. Lesson learned.
I'll remind you that there's nothing the keeps Vanguard from deciding to add a transfer-out fee. In fact, I'm bit surprised they don't have one. After all, that would help keep costs down for the actual customers. Processing a transfer isn't free.
Brian
- Mon Jul 22, 2013 5:14 pm
- Forum: Personal Consumer Issues
- Topic: Expensive repairs on an old car. Opinions?
- Replies: 76
- Views: 4660
Re: Expensive repairs on an old car. Opinions?
I wouldn't do that. The old days of excess write-off are over. Sell it on the open market or call a "we buy junkers" place.HueyLD wrote:You can donate your old car to charity after the new car arrives.
Brian
- Mon Jul 22, 2013 5:12 pm
- Forum: Personal Consumer Issues
- Topic: Expensive repairs on an old car. Opinions?
- Replies: 76
- Views: 4660
Re: Expensive repairs on an old car. Opinions?
Why do anything without a repair estimate? I'm surprised they didn't give you one at the time.
Brian
Brian
- Mon Jul 22, 2013 3:28 pm
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
I was honestly not aware of the transfer fees when I opened the accounts. I had only used one other brokerage before Wells Fargo and they did not charge similar fees. I assumed the free trades were compensated by the minimum balance requirements, and I was free to leave whenever I wanted. Also, I would not call an increase from $50 to $95 "a bit", especially when multiplied by 6 accounts. I got in at about the beginning, and I sure knew about it. Sounds like you didn't perform due diligence. That's nobody else's fault. I don't know which you used before, but the only ones I recall not charging a transfer fee in those days was Scottrade and Vanguard, and I believe that's no longer the case for Scottrade. Ok, if you like, the fees ...
- Mon Jul 22, 2013 2:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pent Fed Platinum Rewards - another way new card is worse
- Replies: 19
- Views: 2520
Re: Pent Fed Platinum Rewards - another way new card is wors
That's never been a problem for me. You swipe the card, then either the display or the cashier will announce any remaining amount due. You pay in the regular fashion after that.rj49 wrote:The Visa cards are a big hassle, since you have to remember how much balance you have, and you end up with confused cashiers, trying to apply part of a purchase to the Visa card if it's low.
Brian
- Mon Jul 22, 2013 2:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Finding Notary
- Replies: 26
- Views: 2241
Re: Finding Notary
That's the way US Bank was. I asked them if they needed to see my ATM card or anything. They didn't really seem to care.covertfantom wrote:I got some home ownership documents notarized for free at my local Chase Bank in Orange County, CA for free. I'm a customer, but they didn't even ask to see proof that I am.
Brian
- Mon Jul 22, 2013 1:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Finding Notary
- Replies: 26
- Views: 2241
Re: Finding Notary
Yike! For $50, I'll drop by my bank.hand wrote:Depending on your needs, you may want to consider a mobile notary. In my area, for $50, someone will come to your home and notarize a reasonable amount of signatures.
Brian
- Mon Jul 22, 2013 1:58 pm
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
Unfortunately Wells Fargo is going to take a pound of flesh in the process. Yes, they probably will. You can ask them to waive or reduce the fees, but even if they don't, it's just a one time thing. You will be better off to pay it and move on. When I do something like this, I try to learn from the mistake and not make it again. Good luck. What? It's not like this was some big surprise. He's been getting the benefit of free transactions on ETFs and mutual funds for however long he's been there. The closing fees were part of the deal. You receive great benefits while you're there, leave and you get nicked a bit on the way out. I left Wells Fargo for certain reasons. I accepted the fees (TD Ameritrade covered them and much more anyway). I di...
- Mon Jul 22, 2013 1:51 pm
- Forum: Investing - Theory, News & General
- Topic: Leaving Wells Fargo Brokerage
- Replies: 53
- Views: 21735
Re: Leaving Wells Fargo Brokerage
They haven't for a couple years now. I won't ever close them on my own.CoderDude wrote:It's a good point to keep the accounts open so you can review documents and transactions. But can you be charged any fees for keeping these accounts around, or will they try to charge you if you do eventually want to close them?
Brian