Recent content by willongo

ASL I took ASL classes to communicate with my sister and her friends. I did the same as what non-ASL speakers do and signed with no or slight facial expressions. All of us students did. it was sad and depressing. ha! facial expressions are very important to ASL communicators. unlike us...

Do it now!! Jump ship! I did it last month and have never been happier. For years, my FP at Ameriprise was leaving a bad taste in my mouth but I thought I was being paranoid since I knew absolutely nothing about investing. Then I began doing some online research and came across the...

Yes, I've thought about researching higher interest rate online banks after surfing online for information to answer my questions and finding that there were more options out there for me. I guess I like the immediate liquidity of having money in citibank. But, I suppose I could rely on my...

I have money in Vanguard's Prime Money Market and also in Citibank's money market where I have my banking account. While looking at APY, interest rates, yields, etc. I noticed that Citibank's Money Market has an APY and interest rate of 0.15% each and that Vanguard's Prime has 0.06% on their...

The funny thing is that I throw around so much money because I save so much money, if that makes sense. :blush: But, now, I just want to throw my money in investments since I've caught the FIRE fever! I've been reading quite a bit and visiting forums and other websites, but too frequently I...

I'm back! Wow! This thread took a life of its own..but now I'm returning it back to me since it was all about me in the beginning anyway. :greetings10: So, I am finally completely free of Ameriprise's grip, have all my money and am ready to gamble, I mean invest. I already rolled over 45K...

Cool. I called up Vanguard for advice and got my questions answered and my sanity restored. Basically, I flipped out because I thought that I would be paying taxes on the entirety of the SPS and VA accounts when cashing them in, not just the gains. And, because I cannot have more than $25,000...

hmmm...i get the feeling i might end up paying some crazy taxes next year. i'll keep researching and figuring it all out. in any case, if i can only contribute a max of $5000 to both, then what happens if i already have contributed 5000 to each? I did it online in Vanguard and both the IRA...

some more questions I'm such a financial moron so forgive my dumb questions: 1. What exactly is a SPS account at Ameriprise? Is it just a fancy savings/checking account? 2. Have I been paying taxes on anything related to my SPS account? For example, every year my 1099 form would have some...

Oh, I forgot to mention that you guys are a pack of wolves!!!! But, I do find wolves beautiful animals and am entranced by their howls. So, I've decided not to bother calling my FORMER! advisor and no way am I apologizing to her for stating in my refund request form that I was unhappy with...

Funny enough, I received a letter giving me the option to join a class action lawsuit against Ameriprise right after I gave them my money. I consulted my friend who had recommended me to the advisor (she was his advisor) and asked him about it. He said to disregard it because it was...

Not counting the VA, my advisor plunked my money into seven funds in an IRA and an SPS account. Here's the list of seven with the front load, expense ratios, 12b-1 fees and "since inception" rates of return following in order: 1. 5.75%, 1.19, 0.25%, 5.99 2. 5.75%, 1.34, O.25%, 1.27 3. 5.75%...

update and another question Well, Vanguard has notified me that they have notified Ameriprise about transferring my IRA. I closed my SPS account and got a check in the mail. Dumb*ss that I am, I opened up a Roth IRA out of sheer joy only to realize afterwards that I could just have simply and...

Yuck, now I'm thoroughly confused. I had dumped my Ameriprise IRA into Vanguard's Wellesly Income Fund and was thinking of also investing in their 2035 Target Retirement Fund. Mind you, this decision was based on not knowing anything yet (I still have to read up on investing wisely). I liked...

It's almost life changing to see that account disappear! LOL! Even better, I can't wait to see all my accounts pop up in Vanguard's website and watch them grow beyond anything that would happen in Ameriprise!