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Old 11-20-2008, 02:08 PM   #21
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Originally Posted by freebird5825 View Post
i enjoy the game. who knows? i just might make an impression on the guy that you can't cold call a woman and make an ETF sale today. i shall serve as a small drop in an increasingly filling bucket. who knows, the guy may have looked at my beneficiary designation, put 2 and 2 together and salivated all over the phone. follow me?

MF exchanges...so am I. it is not normally an issue because this set of MFs is my largest and "long term, don't touch" bucket. i have my short term (5 yrs or less) MFs directly with VG. i rarely do exchanges of ANY of my MFs. i did a JAOSX to VEURX in November to capture a tax loss harvest and get the lower exp ratio, long term. JAOSX was on my chopping block for a year, i just needed the right circumstances to move on that.
I gotcha. You said you owned a couple load funds in there. Just so you know, the TD dude is getting 12B-1s on those, and then charging you to exchange. I think you should ask him what the 12B-1 fees are on the funds you own, and THEN ask why they charge you to exchange........
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Old 11-20-2008, 02:23 PM   #22
Give me a museum and I'll fill it. (Picasso)
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I gotcha. You said you owned a couple load funds in there. Just so you know, the TD dude is getting 12B-1s on those, and then charging you to exchange. I think you should ask him what the 12B-1 fees are on the funds you own, and THEN ask why they charge you to exchange........
12b-1 fees...yeah, i know what they are. a good idea for my next email exchange with TDA. he knows i'm a FIREd engineer.
almost right on load funds and TDA...i own 2 American funds AWSHX and ANWPX, but directly with American. they are the very first funds i got into back in 97. once i figured it all out, i fired my local FA. i have no sales rep designation on my account anymore. i instructed American to remove it. and yes, folks, you can do that.
AWSHX and ANWPX may be next on the chopping block due to exp ratio level, maybe next year. all in good time. i move slowly and carefully in this realm. i am slowly regrouping financially after a whirlwind in life.
and you folks are collectively making me a lot smarter to do just that.
if i don't say TY enough, TYTYTYTYTYTY
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