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Thanks for the tips everyone.

What if I want to take the money I have in my Gabelli IRA (small cap growth) and put it in a Vanguard (say target retirement 2045)? Is that a rollover or is that going to be taxable distribution?

I was automatically contributing to my Roth IRA last year, but after my wedding I stopped and used that money to pay off my credit cards. I also switched banks in the meantime. When I called Gabelli to re-start my monthly ACH they told me that I needed a "medallion signature guarantee" from my...

Wow...so they're not required to remove the PMI upon reaching that 20% magic figure they all talk about? I knew they wouldn't do it automatically and you have to be the one to know when you've reached that plateau, but the can deny you? How is that legal?

OK can someone explain the logic (if any) behind PMI? I understand what it's for, but if it protects the lender, shouldn't they pay the premium? Also, how does adding $100 to my monthly payment make them more confident that I won't default? If anything, adding expenses would make it more...

Woah...you paid off an 80% loan in 5 years? I'll be sure to bring Monday's rates off bankrate and other sites when I go.

:2funny: Assuming 20% down! That's a good one.

OK I've heard and read so many things on this and everyone says different. Go to a bank they get better rates Go to a mortgage company they are more lenient with loaning Go to a credit union they know your name Go online there's no middle man No, you need to sit and meet with someone I'm...

Well, we signed a P&S. Inspection is this week. Buyers market definetly helped us. Now we need to secure a mortgage. We're meeting on Monday with a broker. I know rates have been coming down, and with the market tanking towards the end of the week I am hopeful we'll be able to get something...

Sadly, money talks and people my age (late 20's) normally don't have money for charity, and even less to give to campaigns. The older generations will always fund (for the most part) politicians so we're kinda behind the 8 ball.

Its the same arguement I see in small towns. Old people don't want to pay for school departments because they don't have kids in the system. The conveniently forget that when they were younger and had kids in school, the seniors at that time did their share to help foot the bill. Since...

Has anyone had experience/luck stories about those Vanguard funds that are designed for people retiring in X number of years? I've been following Vanguard Target Retirement 2045.

Is this something that only Ameriprise does?

Do yourself a favor and rent the DVDs. One of the few shows that I literally laugh out loud while watching - even if I'm alone which is even rarer to cause a real laugh.

Gotcha. We are 98% gone from him. We have to go tonight though. My wife's 403b adviser basically said he can do the same stuff for us for free since he gets paid by NEA.

What's FIRE stand for?

List of Arrested Development characters - Wikipedia, the free encyclopedia

We are meeting with him again tonight and if we don't get a better gut feeling, we'll do just that. I see a lot of anti-Ameriprise sentiments here, but are they that much worse then everybody else, or just because they're the biggest? I mean, all advisers are in it to make money off their...

We haven't invested anything yet. We're still in the initial phases. We are focusing on paying down debt and buying a house before entering the market. I have a Roth IRA that I contribute to separately from Ameriprise, but I'm looking to move that too...but that's for another thread.

Can you elaborate more. We have met with an Ameriprise CFP twice now and while most of what he's done has been helpful, my wife and I have a bit of a bad taste in our mouths from him. Plus reading online about them hasn't helped. Any additional info would be appreciated as to whether we...

I enjoyed Bob Loblaw's Law Blog for the brief time it existed. 10 pts to whoever gets it first.

I got married in July and we were going to change our W-4 in January. Best to get started on the right foot from the beginning of the year.

I graduated in 2002 with an accounting degree so needless to say the big 4 weren't hiring that many people. The class before mine, each firm hired about 10-15 people, but in my year they were only taking 2-3 each. So I stayed and got my MS in Accounting. When I got out, my friend who did go...

I recently met with a PFP for the first time. Being from NY I am always a skeptic and while he didn't push any one thing too much, from my other research I have seen a lot of negative things said about variable universal life insurance policies - something that the PFP made sound like a great...

Hi there. I'm finally just getting into personal finance. I got marred this summer and my wife and I are trying to get our ducks in order to buy a house. Looking around this site, it seems like a great place to bounce ideas and get information.