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My hubby and I both changed jobs last year and both of our ex-employers used Fidelity as their 401k administrator. We both decided to keep our Fidelity 401ks. For me the main reason is that the Fidelity 401k is just better than my current Transamerica 401k. Having two different 401ks really taught me that not all 401ks are created equal, and just blindly dumping a lot of money into a 401k is not wise. Here’s a blow by blow comparison of my two 401ks and why I really miss contributing to my Fidelity 401k.

viagra cialis online– Fidelity’s site is at 401k.com, and it’s very easy to remember and access. It displays all your funds and it is easy to see the current price and the number of shares you own. It’s also easy to run many types of reports on it. Fidelity’s site also lists what recent dividends you’ve gotten in the recent months. Overall I like the Fidelity site’s design and features. Transamerica’s site is ta-retirement.com, and there are very few tools when you log in. You get the most basic functionalities of checking your funds and their total value and you can change your contributions. I still haven’t figured out how to check how many shares of each fund I have on this site and the unit price of each fund. It seems that Transamerica deliberately obfuscate this information for their own benefit.

viagra cialis online — The Fidelity 401k has a fairly good list of Fidelity family funds available. There are funds of all types and some of them are rated quite highly on Morningstar. It’s quite easy to find information on these funds because they are all listed with their symbols. In contrast, the Transamerica funds do not have symbols that you can research. The reason is that Transamerica repackages funds from other families and sells it to the 401k, and then charges a fee. So there are funds from respectable families like Janus and Oppenheimer, but the funds are prepended with the Transamerica brand. The only possible reason for them to do it is to take an extra fee. That is probably why I can’t see how many shares of each fund I actually own, since the value of my shares is different from the publically traded Janus and Oppenheimer funds. Additionally, most of the Transamerica funds’ underline funds aren’t rated very high. The highest one was rated three stars on Morningstar. Ofcourse, they always say that past performance do not indicate future performance but if a product has been performing poorly for a long time it really doesn’t strike up consumer confidence.
viagra cialis online– Fidelity has index funds that have very low expense ratios available for purchase. Expense ratios matter in long term and large investments since an expense of 0.1% could mean tens of thousands of dollars lost over a lifetime. Fidelity clearly tells you what the expense ratios are on their funds, but Transamerica does not. Transamerica probably does not want me to know how much they’re taking away from my retirement nest egg every year. I am pretty sure it’s a lot more than the Fidelity index fund expense ratios.

viagra cialis online– It is unfair to compare the two portfolios purely based on the percentage I gained because the two portfolios have slightly different asset allocations. Also, the money in the two portfolios have appreciated for different lengths of time. Even so, its pretty obvious that over the long term the Transamerica portfolio will most likely underperform the Fidelity portfolio purely based on fees. Currently the Transamerica funds are definitely underperforming the Fidelity funds.

Basically, my current 401k through Transamerica is a bloodsucker and if I ever switch jobs and get a new administrator that’s less lame I will gladly roll over my entire 401k. I’m hoping that I find a company that has Vanguard as their administrator because that’s my favorite fund company and that’s where I keep my Roth IRA and most of my cash. The only person I know that has a Vanguard 401k is my dad, and he was able to buy into some closed Vanguard funds through his 401k that performed very well for him. Are there any of you out there that love your company but hate your 401k program?

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It’s a beautiful mild Monday in San Mateo and the More than 100 submissions were culled to just 88, and is one of the articles under Budgeting and Saving.

I also enjoyed reading the following articles:

— Very good article by David. A bit off topic but I know a couple from church named Jones, and they’re the most down to earth and humble people I have ever met. So every time I hear the expression “keeping up with Joneses” I chuckle a bit because if everyone lived like the Joneses I know the world would be an awesome place.

— I read this article before the carnival went up. It’s a hilarious article, but Mr. Cheap needs to find a Mrs. SuperCheap to make that possible. Good luck man.

— The Millionaire Mommy Next Door is pretty inspirational, and I would like to be a millionaire mommy next door someday. Meanwhile, I just read her blog.

Alright, now there are 84 more great articles for you to read in this carnival. I read fast so I am done. Hooray!

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Many personal finance bloggers have a very large goal such as 2 million or 1 million and track their progress on their site. I confess that I like reading about these people’s progress, but I don’t really track my progress in that much detail. I think it would be too much information to display every single account I own on this blog. So instead, let me tell you about how I set my financial goals.

I came up with the idea of 5% goals a while back when I was measuring my monthly networth gain. Basically I set up a total of 100 networth goals, and each goal is a 5% gain over the last goal. For each goal I put a target date for me to achieve it and then I record the actual date I achieved it. I think that it really gives me discipline to save and invest and also I am competing with myself to finish my goal before my estimate. The goals get exponentially larger and thus become harder to reach so you have to adjust your estimated finish date.

I haven’t really shown anyone my goals list, but the list started at $31,500, which is 5% over my original stash of $30,000. The 100th goal is $3,945,037, which is basically 30,000 * 1.05^100, and I have an estimated completion date of December, 2027 on that last goal. However, I could finish before then because right now I finished the last goal 8 months ahead of schedule. Now my goals also include my hubby so hopefully we will finish ahead of schedule together. I like my goals system because 100 improvements of 5% is psychologically more possible than a huge number like $3,945,037. Exponential growth is a very powerful thing and successive small improvements can do more than you think.

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Instead of graduating college with a buttload of debt, I came out with about $30,000 in savings. This is a measly amount of money compared to the earnings of some people I know who started their own companies or got really good at online poker, but I thought it was a good chunk of money at the age of 21. This is how I did it and I hope it’s entertaining to you.

viagra cialis onlineviagra cialis online — Yeah, I have really great parents, and I went to wasn’t very expensive six years ago. Even though our house was about three miles from campus they let me live on campus. The entire four years of education cost about $30,000 including tuition and dorms. That’s less than the cost of one year at most private schools. So the result is that I had no student loans.

viagra cialis online– Yeah, my parents are awesome. They’re not rich, though. The car was about five years old, and my mom bought it because her boss sold it to her at a very large discount. The boss had a Jaguar, and never drove his little Honda Accord, and so it was a very good deal. That’s why I never had a single car payment.

viagra cialis online — This may be a mistake in hindsight, because my credit history still isn’t very long. However, it may be a blessing too, because I ended up with no credit card debt.

viagra cialis online– I worked at a couple places on campus — one was an academic reader position, and another was a lab purchasing position. It’s pretty funny but the purchasing position paid about 30% more. Every other day, I would order radioactive embryos and chemicals for the plant biology department. That was a fun job because I got to look at what toys and weird stuff the professors were buying. The weirdest things I bought were cocaine, and two dozen live sterile cockroaches. The cocaine was bought with a license so it was legal. When the cockroach professor came in to pick up his cargo I asked him what he planned to do with them. He replied that he will have his students dissect them and determine the sex of the bugs. They were actually quite expensive, about $2.00 per head. I wonder who are the professional roach breeders out there. That’s got to be a pretty odd job.

viagra cialis online– UC Berkeley has one of the best libraries in the country, and almost all the textbooks were there. I estimate I saved at least $1000 just by borrowing books from the library. It’s hilarious because I had a class with 200+ people, and there were 3 to 4 copies of the current edition of the textbook in the library, but noone borrowed the books except for me. What’s up with that? Maybe some people like keeping textbooks to remind them of the pain they went through, but I don’t. I just kept on renewing the books until the end of the semester and kept them in my locker. I guess not all college libraries have great collections, but most libraries will have at least one book you read during the long four years.

viagra cialis online– This is one of those funny things that I just did out of the blue. I used to be a very big library book sale fan. I especially like their fire sales where bags of books were sold for $3 to $5. So the end result was that I ended up with a lot of books. I started listing them in Amazon Marketplace and some of them started to sell. It was pretty fun and easy to do and didn’t take that much time. The most profitable book I sold was purchased for $1 and sold for $97 on eBay. I actually learned a lot of things about running a “business”, but I quit this venture after college mostly because I got bored of it and didn’t have time and space for it anymore. The total net profit from selling a few hundred books was about $5000 to $6000. It was enough to cover rent for my senior year of college so my parents didn’t pay for it.

viagra cialis online — These all happened in senior year. I didn’t really go to school the first semester of that year because I did a co-op, which is a paid internship that I received school credit for. That was sort of the first taste of having a real job and living on my own for me. It was a really good experience, and I think all college students should try to get an internship before graduating. The second internship happened sort of randomly during the second semester, and I got the job because of my experience in the first internship. That was much more part-time and lasted a shorter time period. The contract job was offered to me through a friend. So senior year all I did was work, and it was quite interesting. I had the opportunity to experience three extremely different working environments, and meet lots of cool people. Of course, I also managed to save most of my earnings from these gigs without debt and such.

viagra cialis online– Sweepstaking is usually seen as a hobby for old people and stay at home moms. In fact, most of the women in the sweepstakes forums are stay at home moms. I learned a lot about advertising, spam, and sweepstakes laws when I had this hobby. I entered sweepstakes sponsored by reputable companies, and I won a lot of things. I’m still wearing clothes won from that hobby to this day, and my current favoritel Citizen Ecodrive watch is also a trophy from a win. I also won money and other random things. The coolest prize was a weekend getaway to Miami, Florida. I went there with my mom, and it was an awesome getaway because it was completely free. Sweepstakes is purely luck and the more you enter the more you will win. It is time consuming, and I gave it up when I graduated because I felt like I don’t really need to win small things by giving up my information anymore. Actually, there is still one sweepstakes I enter, and I may write about it in the near future.

Now you may ask, when did you study for class and do projects? Well, I spent a lot of time on those too, but college students really have a lot of time on their hands. That’s why a lot of them can start companies, get good at pokers, or becoming gaming champions.

So what did I do with my $30,000 after the pomp and circumstance? I put $7000 of it into a Roth IRA at Vanguard, and $13000 of it into an individual fund acount at Vanguard. I haven’t moved the Vanguard money for two years and the $20,000 there has now grown to about $27,500. I put half of the money in Vanguard Target Retirement 2045, and half of the money in Vanguard Primecap Core (a fund recommendation from my mom). I don’t worry about my Vanguard fund very much, and I’m just letting it grow. I put the other $10,000 in t-bills and i-bonds, which has been earning less interest. However, T-bills are very accessible and I like them because I don’t have to pay state taxes on the income. I think ultimately it really helped me to have very supportive parents who are also financially savvy. They told me about things like Roth IRAs and mutual funds and now after two years of working full time and saving, my little nest egg has grown to more than four times its original size.

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I think it’s funny that most people always wonder how much money their friends and coworkers make, but rarely talk about it. It may just be an American thing, because in China my parents and grandparents tell anyone they know how much money they make. I think because of them I am usually pretty open about how much money I make when people I trust ask me about it, but really, very few people ask. Here’s a story of how a friend reacted when I told him how much I was paid.

So I have known this guy for more than ten years now. He was a year above me in high school and we had several classes together. We went to different colleges but studied the same major and still kept in touch online and played games together. We never really talked about money very much because finances didn’t really matter when you’re young and in school and your parents paid for most of it. Our conversations mostly consisted of him making up funny nicknames for me and random stuff. So after he and I both secured our first real world full time jobs after college he asked me how much I was paid. As I stated in a previous post I made $60,000 a year when I graduated from college. It turns out that he was making a bit more than $40,000 per year and I told him he was definitely underpaid. He was outraged and went straight to his boss for a raise even though he had been working there for about 3 months. His boss definitely knew he was underpaid because the company immediately gave him a $13,000 raise and bumped his pay from 42,000 to 55,000 per year. I think he was happy about the raise, but still a bit miffed that I made more than him and he was doing a job he hated. But now he was definitely more confident about his skills and worth, because he went on to look for a new job and got a lot of interviews, and finally he took an offer at that ginormous search company which rhymes with oogle.

So we’re still friends after that, but now he feels rich because he has a lot more income. He looked into buying a condo in 2006 because a coworker was into real estate investing. He asked me about it and I told him many reasons why I thought it was a bad idea to buy at that time. He was thinking of putting 5% down and buying a 499k condo in Fremont that was less than 900 square feet. He was throwing all those arguments such as “I will have equity” and “housing will go up” at me. Then I said to him, “You know that equity means the amount of money you have paid on a home and not the price of a home, right?” To this he replied, “What? That sucks!!” I think that at the peak of the housing bubble a lot of people just repeated what the realtors said without really researching what each of the buzzwords meant. My friend isn’t stupid, and he didn’t buy the condo. Now more than a year later he is gladly renting an apartment with a roommate and recently he told me he probably would have bought the house if I wasn’t against the idea so much. I also told him about other investments such as mutual funds, bonds, and stocks and just explained what each of them were and he realized on his own that the investment gains on a home probably isn’t more than investment gains on stocks in the long run. He bought some money market funds, treasury bonds, and stocks on his own. We both agree that we want to be homeowners, but a home shouldn’t be an investment vehicle, and the current Bay Area prices are way out of line.

Now after less than a year he is totally debt free and has saved a substantial amount of money at the age of 24. According to him he is learning about capitalism and he needs to understand capitalism to beat it. So I’m glad to see that his basic ideals has not changed by having and saving more money. In fact, he has grown much more responsible just by learning about finances.

What is the moral of this story? I guess one important thing is that you shouldn’t be afraid to discuss finances with your friends and family. You learn a lot about a person by how they deal with their money and you can also get tips on how you can manage your money. It’s also possible that you will find a friend who is really in need and an opportunity to help someone. Another thing is that twentysomethings really need to have a guide on how to manage their lives when they’re thrown in the real world. It’s pretty hard to transition the talks of fun and games to serious financial issues when you have friends that you’ve had silly conversations with for years and years. And finally there is the cliche lesson of believing in yourself, because ultimately my friend did whatever he wanted to do without compromising his values. I fed him information, and he made his own choices to save and invest for his future. My friend wanted me to write this story because he’s quite proud of where he is now, and I think anyone can do what he did if they choose to.

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