Search found 1340 matches

by Cash
Sat Dec 18, 2010 7:54 am
Forum: Investing - Help with Personal Investments
Topic: For those being transported to Wells Fargo Advisors
Replies: 25
Views: 3135

I'm staying as well. Vanguard is a nice back-up option now, and of course, reading this board, it's always tempting to go with the crowd. But Wells Fargo still wins in flexibility and value. That said, if I were investing only in mutual funds, I would probably be more tempted to go with Vanguard to ...
by Cash
Sat Dec 11, 2010 8:00 am
Forum: Investing - Help with Personal Investments
Topic: When do transfer-out fees apply?
Replies: 12
Views: 3770

If I liquidate, so that all investments are cash, and then transfer the direct from one Roth IRA to another Roth IRA, would that avoid tax withholdings and fees? Yes, there is an option not to have any taxes withheld. Choose that. My current broker (Ameritrade) is not clear on this. So I'm looking ...
by Cash
Sat Dec 11, 2010 7:54 am
Forum: Investing - Help with Personal Investments
Topic: All eggs in one brokerage house basket?
Replies: 47
Views: 6417

The Madoff comparison is a bit off. Those investors didn't really know what was going on with their investments at any given time, since Madoff had the authority to buy and sell at will. On the other hand, I know exactly what is being bought and sold in my WellsTrade account and can independently an...
by Cash
Fri Dec 10, 2010 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: When do transfer-out fees apply?
Replies: 12
Views: 3770

I have done the following multiple times in order to avoid transfer fees: liquidate holdings in IRA 1, ACH to bank account, then immediately ACH to IRA 2. This can be done only once a year and has to be completed within, I think, 60 days. Check IRS Publication 590 for more info. But it's very simple.
by Cash
Thu Dec 09, 2010 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Oh the Wells Fargo changes are a comin' down the street
Replies: 10
Views: 2805

Sammy_M wrote:
Easy Rhino wrote:Man I was worried about fee increases!
same here.
Ditto. I instantly began to plot my move to Vanguard. Phew!
by Cash
Thu Dec 09, 2010 9:30 am
Forum: Investing - Help with Personal Investments
Topic: VNQI in taxable or IRA?
Replies: 6
Views: 3137

I would guess VNQI is going to pay out ordinary income like most REITs, and not qualified dividends. Therefore it should probably go in a IRA account. However, be aware that will preclude getting the Foreign Tax Credit for any foreign taxes withheld. Looks like 100% qualified this year, unless I'm ...
by Cash
Wed Dec 08, 2010 9:35 am
Forum: Investing - Help with Personal Investments
Topic: All eggs in one brokerage house basket?
Replies: 47
Views: 6417

If you're saying $250k because of the FDIC limit for deposit accounts, you should know that the FDIC does not cover brokerage accounts.
by Cash
Sun Dec 05, 2010 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7352

What ever the excuse is, those going to college should re-evaluate why they are there in the first place. Great . . . you get paid $200K a year at some high paying job because of your Masters or PhD but you can't balance a check book. Better than knowing how to balance a check book but having nothi...
by Cash
Sun Dec 05, 2010 8:35 am
Forum: Investing - Theory, News & General
Topic: Are you a Swedroehead? A Ferrihead? Boglehead?
Replies: 60
Views: 8110

I commit a cardinal sin of Ferrism by holding RAFI funds :twisted:
by Cash
Sat Dec 04, 2010 3:04 pm
Forum: Investing - Theory, News & General
Topic: How Many Symbols Do You Have Memorized?
Replies: 42
Views: 4788

It may boil down to this, those that keep spreadsheets have a better handle on ticker symbols in their portfolios. If you see the symbol frequently enough it will likely sink in. In my case, I have an over all worksheet plus a worksheet for each major asset class. In addition to what I currently ow...
by Cash
Tue Nov 30, 2010 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: income over 250K--convert IRAs to Roths???
Replies: 28
Views: 2974

Am I missing something? Setting aside the $250k conversion, if the OP is above the income threshold at which she can deduct the TIRA contribution from her taxes, doesn't it make sense not to pay taxes again upon withdrawal? Non-deductible contributions are not taxed on withdrawal, but the gains on ...
by Cash
Tue Nov 30, 2010 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: income over 250K--convert IRAs to Roths???
Replies: 28
Views: 2974

Am I missing something? Setting aside the $250k conversion, if the OP is above the income threshold at which she can deduct the TIRA contribution from her taxes, doesn't it make sense not to pay taxes again upon withdrawal?
by Cash
Mon Nov 29, 2010 7:39 pm
Forum: Investing - Theory, News & General
Topic: Total International Admiral also available at Wells Trade
Replies: 16
Views: 2589

Since people are posting random anecdotes, I'll be a +1 for Wells Fargo PMA.
by Cash
Fri Nov 26, 2010 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Switch, or buy Vanguard funds in ML account?
Replies: 29
Views: 8375

Re: Moving to Vanguard

Taylor Larimore wrote:
It may cheaper to liquidate and ACH out than to do an in-kind transfer.
Always consider fees and the tax cost (if any) when selling or exchanging a security in a taxable account.
This is true. I meant to limit my exception to tax-advantaged accounts.
by Cash
Fri Nov 26, 2010 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Switch, or buy Vanguard funds in ML account?
Replies: 29
Views: 8375

a) Whenever you move from one account to another, it is always best--I think it's really is an "always"--to move the assets "in kind." I think an exception may be, as I have often found to be the case, a brokerage charges a fee for an ACAT transfer but not for an ACH transfer. In that case, dependi...
by Cash
Thu Nov 25, 2010 8:34 am
Forum: Investing - Help with Personal Investments
Topic: How much do you pay in commissions a year?
Replies: 36
Views: 3066

If you do qualify for Wells Fargo PMA, it might be cheaper just to do an in-kind ACAT transfer to Wells Fargo from your other accounts and then use your free Wells Fargo trades to continue selling your positions and moving into your new positions. Of course, this depends on how much your current bro...
by Cash
Thu Nov 11, 2010 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade offers commission free ETF's
Replies: 43
Views: 17254

You can transfer between your HSABank account and TDAmeritrade through HSABank's online interface. And my understanding is that the fee is not charged if you have more than $3k either at HSABank itself or TDAmeritrade, but others might be able to answer that definitively.
by Cash
Thu Oct 21, 2010 6:05 am
Forum: Investing - Help with Personal Investments
Topic: 25-year old new attorney needs help getting started
Replies: 22
Views: 3497

This sound correct? And am I right in that it does not make sense to do this until next year (bc I'm still below income cap for 2010). Or can I go ahead and do it for 2010 too, in addition to funding my existing Roth? Just to clarify on this point, while it's possible to fund two IRAs in the same c...
by Cash
Mon Oct 18, 2010 12:06 pm
Forum: Investing - Theory, News & General
Topic: Style Box Survey: What Are Your Nine Numbers?
Replies: 50
Views: 5105

Currently:

Code: Select all

21 17 14
8  6  7
11 9  7

U.S. & Canada	48.25
Europe	19.34
Japan	6.75
Latin America	4.45
Asia & Australia	16.63
Other	4.56
Goal by the end of the year:

Code: Select all

15  13  10
13  10  9
13  10  7

U.S. & Canada	50.75
Europe	19.25
Japan	9.25
Latin America	2.56
Asia & Australia	14.76
Other	3.43
by Cash
Sun Aug 29, 2010 9:24 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Foreign Real Estate Index Fund
Replies: 17
Views: 9476

Hmm I might have to switch to this from RWX.
by Cash
Mon Jun 28, 2010 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurants.com: A Way to Save Money Eating Out?
Replies: 20
Views: 4848

I think these are largely being replaced (at least among my cohort) by deals from Groupon, Living Social, and the like.
by Cash
Sun Jun 13, 2010 6:45 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 733
Views: 336247

3) What's the difference between these two funds? VFWSX and VFWIX They seem identical to me but the former is available in my 401k. It'll help me figure out my rebalancing. One is the institutional class (VFWSX); the other is the investor class (VFWIX). The institutional class typically enjoys (as ...
by Cash
Sat Jun 12, 2010 7:45 am
Forum: Investing - Theory, News & General
Topic: Schwab "On Investing" article on ETFs
Replies: 32
Views: 4417

livesoft wrote: I don't know about Rich Lockwood and his peace of mind. I am not interested in selling in a panic, but I am interested in buying when others panic. For that I think you need to use ETFs.
+1. I love a good panic.
by Cash
Fri Jun 11, 2010 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Best rewards credit card
Replies: 20
Views: 3326

Chase Freedom. I like this card as well. It isn't as flashy as the PenFed or Schwab or any of the other "push-the-rewards-to-the-limit" tactics you can read about on fatwallet.com , but I don't like to have to remember which card to use for which category of purchase, or wonder when the rewards wil...
by Cash
Sun Jun 06, 2010 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Contradiction in advice to DCA vs. Lump Sum?
Replies: 64
Views: 5831

Re: Contradiction in advice to DCA vs. Lump Sum?

Fred trusts him and agrees with his advice but feels there is a contradiction. So he asks Bob: If this is what you would do, why don't you then sell all your funds, and reinvest into them as you suggest? Assuming, for the sake of argument, that Bob's cost for selling and buying back are negligible,...
by Cash
Thu May 27, 2010 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage-Link for Fidelity 401K?
Replies: 12
Views: 5052

I just checked with Fidelity, and here is what they said about my 401(k):
After verifying with the BrokerageLink department, your company does allow you to trade ETFs.

This does mean you are able to trade the 25 free ETFs offered by iShares, in your account . . . .
Wish I'd known this earlier.
by Cash
Sat May 22, 2010 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage-Link for Fidelity 401K?
Replies: 12
Views: 5052

Re: Brokerage-Link for Fidelity 401K?

For emerging markets I'd use FEMKX. FEMKX is expensive, managed, and has had lackluster performance. I have this option in my 401(k) but ultimately decided to get my EM exposure in my taxable account through VEIEX because Fidelity's options were so poor. OP, I use the brokerage link option with no ...
by Cash
Thu May 20, 2010 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Loss Harvesting Question
Replies: 32
Views: 7703

Haha, I've been looking out for this thread.
by Cash
Sun May 16, 2010 7:23 pm
Forum: Personal Consumer Issues
Topic: Hey! Bogleheads! Cooking at home vs going out...
Replies: 75
Views: 9079

Eating out fairly often is one of the luxuries I afford myself. I neither enjoy cooking nor really have the time for it. Since I can afford and have access to healthy prepared food, I generally take that option. That said, I will cook on special occasions.
by Cash
Wed May 12, 2010 8:32 am
Forum: Investing - Theory, News & General
Topic: Poll - Do you use Limit Orders for ETFs?
Replies: 29
Views: 3357

What the previous two posters said. Why would someone enter a market order?
by Cash
Tue May 11, 2010 6:33 am
Forum: Investing - Theory, News & General
Topic: What a great day!
Replies: 29
Views: 3992

Dale_G wrote: Anyway, up is always more fun than down.
I find up days to be snoozers, although it's nice to make money. But down days are the fun ones, when I follow things closely and contemplate making an extra purchase b/c the market is "on sale"!
by Cash
Sun May 02, 2010 7:36 am
Forum: Investing - Theory, News & General
Topic: WSJ: Small Caps Loom Large
Replies: 16
Views: 2936

DaveS wrote:Stay the course, ignore the noise - which is what the WSJ has become.
I was surprised how much the article read like your typical finance magazine hype piece. I was expecting a more nuanced analysis.
by Cash
Fri Apr 30, 2010 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do I owe my parents?
Replies: 81
Views: 14779

Morgan wrote:I didn't know that debt passes onto the family after death?
It doesn't, unless you (foolishly) agree to pay it. Now if it's held jointly, and there is a survivor, that's a different story.
by Cash
Mon Apr 26, 2010 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant CU for an Emergency fund?
Replies: 5
Views: 1287

Re: Alliant CU for an Emergency fund?

Hi! Alliant may reject your application if you have a negative credit history. Lucio Lucio, others have mentioned this elsewhere: about Alliant doing a hard credit pull on account opening. I assumed this doesn't apply to a savings account since I'm effectively giving THEM a loan (as a deposit). The...
by Cash
Sun Apr 25, 2010 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: How many 18 year olds are investing?
Replies: 15
Views: 2599

Re: How many 18 year olds are investing?

feel like I'm looking forward to Mondays because of the stock market. I've had small investments since I was around 15. I used to have the same excitement as you about market openings...because I was anxious to see how my picks would do for the day. In other words, I largely wasted my advantage try...
by Cash
Sun Apr 25, 2010 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Negotiating Realtor Commissions
Replies: 27
Views: 3775

I sold a property I owned in England and the estate agent only charged around 1.5%. I'm sure it's a similar rate for other countries. This 6% Realtor monopoly is ridiculous in my opinion. How is it a monopoly? There have long been many real estate companies and probably thousands of agents in any p...
by Cash
Sat Apr 24, 2010 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Benefits of having all accts at one place?
Replies: 37
Views: 6131

If she can see her investment accounts every time she logs on to view her checking and savings, would she be tempted to raid the investment accounts? When I first set up my then-girlfriend's, now wife's, investment accounts, I intentionally put them somewhere inconvenient for her to see so that she ...
by Cash
Sun Apr 18, 2010 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Does adding to retirement really make sense?
Replies: 20
Views: 3114

the K-1 we receive from them throws us well over the contribution limit. Have you looked into the Roth back door? This allows anyone, regardless of income level, to contribute to a traditional IRA and then convert that IRA into a Roth IRA. I don't know how being self-employed affects this, however.
by Cash
Thu Apr 15, 2010 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Trade with linked PMA account
Replies: 21
Views: 2143

mike_slc wrote:I've never been able to do free outbound ACH transfers from any checking account, have you? Usually money is pulled from a checking account, not pushed from it.
I push from my Alliant checking account for free all the time.
by Cash
Thu Apr 15, 2010 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Currently 32 and want to be a Millionaire by 65. Please hlp
Replies: 57
Views: 7245

Sometimes i get tempted to invest in individual stocks, when i read that somone who has invested 10,000 in HGSI stock in July 2009 has currently over 300k because of the stock went. I agree that stories like that can make one dream..."what if...." But that would be like buying hundreds or thousands...
by Cash
Wed Apr 14, 2010 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Struck it rich at 24, all funds in 401k, how to invest?
Replies: 29
Views: 6804

Nate270 wrote:I can't believe that a 401k has the ability to buy or sell options. My 401K will not let an individual have more than 20% of even the company stock.
Both mine and my wife's allow it if you use the self-directed brokerage option.
by Cash
Wed Apr 14, 2010 1:31 pm
Forum: Investing - Theory, News & General
Topic: India Index ETF (ticker: PIN)
Replies: 20
Views: 3219

I used to invest in FNI (India and China!), but eventually came to the conclusion that my interests were best served in a general emerging markets fund.
by Cash
Tue Apr 13, 2010 6:16 pm
Forum: Investing - Theory, News & General
Topic: why to buy vss
Replies: 21
Views: 4256

Many on this board are against the Schwab RAFI funds because they're "quant funds" rather than real "index funds," a la RAFI's style. Nonetheless, they suit my purposes (U.S. small cap and int'l small cap), so I'm happy to hold them.
by Cash
Tue Apr 13, 2010 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Please assist a newly budding boglehead this spring
Replies: 6
Views: 1365

2) Mid caps generally perform in between large caps and small caps and thus waterdown the returns of one, and do not improve general performance such as by being negatively correlated. Not true according to this thread and those linked therein: http://www.bogleheads.org/forum/viewtopic.php?t=11153
by Cash
Sun Apr 11, 2010 6:19 am
Forum: Investing - Help with Personal Investments
Topic: 24 y/o investor, new 401k advice (lots of vanguard funds!)
Replies: 11
Views: 2641

Re: On the topic of maxing out your Roth 401K

Hi, This may sound paranoid to you, but here is the point. You are very young. You have over forty years until retirement. A Roth IRA means no long-term income for the government. When you use a Roth at your age you are betting that Roth IRAs are still going to be around 20 Congresses from now (Con...
by Cash
Fri Apr 09, 2010 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buying ETFs and round lots
Replies: 3
Views: 773

I sometimes encounter this problem if my limit price is within the bid-ask spread. I fix it by making it above the spread and essentially letting it go for market. Others likely have better strategies.
by Cash
Thu Apr 08, 2010 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: 29 and in need of Vangard Fund
Replies: 9
Views: 1645

caklim00 wrote:Get an Asset Allocation and stick with it. That said... DGS, EWX are the emerging markets smallcap options. I suggest you consider your developed smallcap as well (VSS, SCZ, DLS, etc.)
The OP would have to abandon his Vanguard account to do this. Whether or not that's advisable is debatable.
by Cash
Thu Apr 08, 2010 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo PMA account inactivity
Replies: 20
Views: 11013

Regarding customer service, I recently consolidated my non-401(k) investment accounts with them, and a few bumps naturally arose. Each time, customer service was very friendly and helpful. No complaints so far. My only annoyance is that their system takes a day or two to process every little thing, ...
by Cash
Wed Apr 07, 2010 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: move IRAs from Schwab to Vanguard?
Replies: 4
Views: 951

I recently moved my holdings from Schwab to Wells Fargo. One way to get around transfer fee is to liquidate your positions first, withdraw the cash, and then deposit the exact amount into Vanguard within 60 days. Of course, the costs of liquidating might very well outweigh the $50 fee. I was using t...