Search found 7476 matches

by Default User BR
Fri Jul 26, 2013 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Falling behind the age / salary curve?
Replies: 37
Views: 7080

Re: Falling behind the age / salary curve?

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
by Default User BR
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
by Default User BR
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

ruralavalon wrote:I get as far as creating the comparison graph at Morningstar. Is there any more to do before the steps you describe?
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.

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
by Default User BR
Fri Jul 26, 2013 10:51 am
Forum: Personal Investments
Topic: Home mortgage - tax deduction
Replies: 10
Views: 1687

Re: Home mortgage - tax deduction

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.
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.


Brian
by Default User BR
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
by Default User BR
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
by Default User BR
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
by Default User BR
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
by Default User BR
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?

Trev 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.
Could you explain why? Preferably with charts and graphs and twenty seven eight-by-ten
color glossy pictures with circles and arrows and a paragraph on the back of each one.


Brian (yes I'm kidding)
by Default User BR
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.

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.
Shouldn't bonds have an equal chance of high returns as stocks 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
by Default User BR
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

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.)
How come we never hear anything about Lord Gaga?[1]


1. Shamelessly stolen from Dave Letterman

Brian
by Default User BR
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
by Default User BR
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
by Default User BR
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
by Default User BR
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...
by Default User BR
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
by Default User BR
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

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?
No. You (collective assuming MFJ) would owe taxes on that conversion. After that, there's no problem with backdoor Roth.


Brian
by Default User BR
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

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.
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.


Brian
by Default User BR
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!!

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.
Some custodians have Signal shares available for some Vanguard funds. Those have similar or identical ERs to Admiral.


Brian
by Default User BR
Thu Jul 25, 2013 1:59 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 6
Views: 1531

Re: Advice on Portfolio

US Large Cap Value - 25%
US Small Cap - 25%
I would be inclined to flip these to go with large blend and small value.


Brian
by Default User BR
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...
by Default User BR
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
by Default User BR
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
by Default User BR
Wed Jul 24, 2013 6:44 pm
Forum: Personal Investments
Topic: wash sale rule
Replies: 5
Views: 678

Re: wash sale rule

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
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.


Brian
by Default User BR
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
by Default User BR
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

WEL wrote:Vanguard can't liquidate my EJ funds and transfer them to Vanguard in a taxable account.
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.


Brian
by Default User BR
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

rustymutt wrote:If you're tranferring this over to another institution, ask that institution to pay the fee. Can't hurt to ask them.
There's no point in asking Vanguard. They won't.


Brian
by Default User BR
Wed Jul 24, 2013 1:57 pm
Forum: Personal Investments
Topic: wash sale rule
Replies: 5
Views: 678

Re: wash sale rule

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.
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.

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
by Default User BR
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
by Default User BR
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
by Default User BR
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

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.
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.


Brian
by Default User BR
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

Senin wrote:I dumped my bonds a while ago. All of them.
And did what with the money?


Brian
by Default User BR
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
by Default User BR
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
by Default User BR
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
by Default User BR
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
by Default User BR
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
by Default User BR
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...
by Default User BR
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

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.
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.


Brian
by Default User BR
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
by Default User BR
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
by Default User BR
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

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'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.

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
by Default User BR
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?

HueyLD wrote:You can donate your old car to charity after the new car arrives.
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.


Brian
by Default User BR
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
by Default User BR
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 ...
by Default User BR
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

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.
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.


Brian
by Default User BR
Mon Jul 22, 2013 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Finding Notary
Replies: 26
Views: 2241

Re: Finding Notary

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.
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.


Brian
by Default User BR
Mon Jul 22, 2013 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Finding Notary
Replies: 26
Views: 2241

Re: Finding Notary

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.
Yike! For $50, I'll drop by my bank.


Brian
by Default User BR
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...
by Default User BR
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

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?
They haven't for a couple years now. I won't ever close them on my own.


Brian