I am currently enrolled in a Wells Fargo retirement plan? I would like to move my investments into the safest fund they have. Any suggestions??

why cant I get in to wells fargo banking retirement plan?

If I open an IRA with Wells Fargo, will I have to wait until retirement to use the money I put into it? please give me any advice or explain your own experience about opening an IRA?

Where can I get an account organizer like they use to have at Wells Fargo? Often times called account aggregator services. At wells, I use to be able to check my current balances, amount due, and due date of all my loans, creditcards, checking accounts, and retirement accounts all on one page. In addition, the balances would update automatically I didn't need to go to any other companies website. Balancing my checkbook was so easy!! Gosh I really want a service like this again With MSMoney I have to manually change the balances every month. I don't want anything like that.

Who will Reimburse me of expenses due to Wells Fargo error and oversite? I had applied for a loan, Wells Fargo had receive all banking accounts, retirement accounts, savings accounts, W-2"s. I applied online I received a Pre-Approval/Priortiy Buyer letter, my agent said I should now start looking for a home, she new I was looking in Hawaii. I spent money for inspections, my hotel, car rental, dog boarding, food and gasoline. I spent $4468.55 on this trip, 7days before closing I was contacted by Wells Fargo, my current agent had left and I was assigned a new agent, Wells Fargo stated Amy Gooch and Wells Fargo had made a mistake on the paper work and could not lend me the money. I've contacted CEO's and VP's in the Co. Region, I received a form letter stating I would not receive the loan, ok, fine with that, what about the $4468.55, they refuse to give me that back after their mistake, do I have a leg to stand on or should I contact a my lawyer? And if anyone knows anyone from Wells Fargo, I'd like to set-up an appointment with them to discuss this matter

What percentage should I invest in the following retirement funds for my 401k? EB Diversified Stock Fund Vanguard Inst Index Fd (Inst Plus) # Wells Fargo Advan Agg Alloc (Admin) Fidelity Small Company Fund Vanguard Mid-Cap Index Fund Instl # Vanguard Small-Cap Index Fund Instl # Wellington Mid-Cap Opportunities 2 EuroPacific Growth Fund Class R-5 # Wells Fargo Advan Grow Bal (Admin) Dodge & Cox Income Fund Wells Fargo Advan Con Alloc (Admin) UnitedHealth Stable Value Fund

I currently have a Wells Fargo 401k plan...help!? Does anyone know specifics of which funds are large cap funds, small cap, and midcap? What is an index fund? Also, does anyone have any recommendation of percentages to put each in..... for example, the choices are dodge & cox s&p 500 index fund diversified equity fund capital growth fund large company groth fund s&p midcap index fund diversified small cap fund nasdq-100 index euopacific growth fund asset allocation fund **there are a few more choices but you get the idea....any advice, I am very young so I have a long time before retirement

Are there fees associated with opening an IRA? I want to roll over my retirement plan from a previous employer to an IRA. Are there fees or a commision charged by most plans when you start up or annual charges? Would they wave the fees if you aready bank with them? I live in the Nebraska and we have Wells-Fargo, Edward Jones, Bank of the West, and First National nearby. I was also looking at the IRA's that ING offers online. Anyone have experience with any of these?

In wich 401K plans should I invest more? I'm pretty new at this, so these are the plans that they offer me at Starwood. -SSgA Principal Accumulation -PIMCO Total Return Admin -John Hancock Classic Value -SSgA S&P Value Index -Dreyfus Premier Structured Mid -Wells Fargo Advantage Capital -Legg Mason Aggres Growth A -Veracity Small Cap Value -Fidelity Diversified Intl Fund -SSgA Target Retirement Income -SSgA Target Retirement 2010 -SSgA Target Retirement 2020 -SSgA Target Retirement 2030 -SSgA Target Retirement 2040 -Starwood Company Stock Fund 2 Thanks.

Need help understanding my 401k...Roth or Traditional? I have two options: go with the Roth (the Wells Fargo guy said would be better for younger people such as myself) or a Traditional 401k. I guess I'm not understanding the definitions of "pre-tax contributions" for Traditonal vs. the "after-tax contributions" of Roth 401k. Can someone explain? Basically I want to know is which one will keep more money in my paychecks now, but will be higher taxed when I begin to withdraw money at retirement?

I need to invest some money. I have about $5000. Where should I put it? I was thinking, pay off my bills right now: $1000 Retirement fund: $1000 two college funds for my kids someday: $2000 and the rest in a CD? maby? $1000 I am 21 years old, and no where near even married, much less kids, but i plan on two kids some day. So i figure, why not? Right? I need some advise. I bank with Wells Fargo, and would like to keep my money all in one place, to make things easier. what do think?

Foreclosure...and my situation? Hi everyone I know I need to talk to an attorney but I would like to hear other peoples thoughts and experiences as well. First of all I am 29 years old...So i think I'm young enough to start over if I need to. I purchased a new build home in Oct 2006 in Columbus Ohio for $163,000. Today i owe $158,000 and all payments are current. For years I have never been late on any bills...My credit was 733 the last time I saw it. I went thru a divorce in Sept 2008. After the divorce I picked up a child support payment of nearly $800 a month...Well $600 for support and half of the babysitting cost which are $200 monthly. So a total of $800 a month. Because of this situation and the current economy I cannot afford the house, rent it out for the $1500 monthly payment, find a roomate, or sell it...I have tried to do all 4 of those things. The house is solely in my name, my ex wife has no connection to the home and she doesn't have any money anyways. I was able to rent it out last may for $1000 a month...which is no where near the $1500 payment, meaning I have to pay $500 a month out of my own pocket every month. My tennants are moving out this May 2009. Similiar homes in the nieghborhood rent for roughly $1000 a month, so to ask $1500 for rent is not going to happen. I have notified my bank and informed them of my situation and that my saving account has significantly decreased since last May as a result of pulling $500 a month to stay current. The bottom line is I cannot afford this house nor do I want it anymore. I tried to do the right thing but is it worth draining my savings to $0 and still losing the home? I have $4000 left in my savings. The home is prob only worth around $120,000 cause of the economy. Wells fargo is not taking me serious because all payments are current. I will probably stop paying after May 2009 when my tennants move out. I'm not left with any other choices. Unless wells fargo would drop the house payment from $1500 to around $700...i cant afford it. And i don't thing they will drop it that low for me. and this is a V.A loan as well...if that means anything What are my options? Should I take my last $4000 and pay off credit cards and other bills instead of putting it into this house that i'm going to lose? Are they going to go after my 401k retirement? Will I get 1099 next year? Will I be sued? The bank would doubtfully deed in lieu? These are questions I have and I will talk to an attorney, but I'd appreciate everyones else's view. Thank you and I'm sorry to contribute to the American foreclosure mess, but divorce has really left me no options

Foreclosure...i need some advise? Hi everyone I know I need to talk to an attorney but I would like to hear other peoples thoughts and experiences as well. First of all I am 29 years old...So i think I'm young enough to start over if I need to. I purchased a new build home in Oct 2006 in Columbus Ohio for $163,000. Today i owe $158,000 and all payments are current. For years I have never been late on any bills...My credit was 733 the last time I saw it. I went thru a divorce in Sept 2008. After the divorce I picked up a child support payment of nearly $800 a month...Well $600 for support and half of the babysitting cost which are $200 monthly. So a total of $800 a month. Because of this situation and the current economy I cannot afford the house, rent it out for the $1500 monthly payment, find a roomate, or sell it...I have tried to do all 4 of those things. The house is solely in my name, my ex wife has no connection to the home and she doesn't have any money anyways. I was able to rent it out last may for $1000 a month...which is no where near the $1500 payment, meaning I have to pay $500 a month out of my own pocket every month. My tennants are moving out this May 2009. Similiar homes in the nieghborhood rent for roughly $1000 a month, so to ask $1500 for rent is not going to happen. I have notified my bank and informed them of my situation and that my saving account has significantly decreased since last May as a result of pulling $500 a month to stay current. The bottom line is I cannot afford this house nor do I want it anymore. I tried to do the right thing but is it worth draining my savings to $0 and still losing the home? I have $4000 left in my savings. The home is prob only worth around $120,000 cause of the economy. Wells fargo is not taking me serious because all payments are current. I will probably stop paying after May 2009 when my tennants move out. I'm not left with any other choices. Unless wells fargo would drop the house payment from $1500 to around $700...i cant afford it. And i don't thing they will drop it that low for me. and this a V.A loan as well...if that means anything What are my options? Should I take my last $4000 and pay off credit cards and other bills instead of putting it into this house that i'm going to lose? Are they going to go after my 401k retirement? Will I get 1099 next year? Will I be sued? The bank would doubtfully deed in lieu? These are questions I have and I will talk to an attorney, but I'd appreciate everyones else's view. Thank you and I'm sorry to contribute to the American foreclosure mess, but divorce has really left me no options

Can we be Pre-Approved? How much? Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy? We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA Downside….In 8 months from now I will only be 21 years old and he will be 23. I’m worried we are looked at as a risk for being young. Thank you so much in advance for all your advice. This tax season he will have a 10'99 and a W-2...3 months ago he started getting taxes taken out of his paycheck.

Should I stay in school? I am a junior Econ major right now, and will be a senior at the end of the semester. However, for the last two semesters I have felt like dropping out and just working for a while until I want to go back to school. All of my friends and my brother, all seem to know what they want to do for a living and I have no idea what I want to do. I really hate school, and am sick of doing around 4 hours or more of homework a day, only to have more assigned the next day. I just feel helpless, like it does not matter what I do or how hard I work because I am just going to have more work the next day anyway. For my money situation, I currently just have enough to barely make it til the end of the semester and then I have to find a job to pay for next yr. (I have already been looking for employment now), but the job market is so terrible right here in MT that I don't even know if I will find a job this summer. Both my parents would be extremely upset if I did this I already know, but I am just not interested in school anymore, I mean they already picked my major for me, I wanted to major in History because I find it interesting. I went to the career fair on campus yesterday and talked to some employers (Wells Fargo, NW Financial, .etc..) about Finance positions and the more I learned about working for those places, the more I realized that I dod not want to work in any Economics related field. I also talked to US Customs, and the Border Patrolm and their jobs sounded fun and like something I would not get bored from. The Border Patrol did not require a college degree, and paid more than the Banks and Investment firms did too. I really just feel like doing that instead of going to school because the recruiter said that some of the agents do attend school, albeit 1 class at a time, but you still are going to school nonetheless. Also, if I can't find a job this summer I won't be able to be in school anyways since I will be out of money and FAFSA is just out to screw the middle class and claims that my parents have $13,000 just lying around for me to go to school, which is crazy since I am paying for my own school. My parents can't afford this because they still are paying off their house, saving for retirement, paying car loans, and I am sure there is more. Anyway, what do you all out there think I should do?

Can we purchase a home? Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA

Can we qualify to buy a house? how much? Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA

Are these good fidelity mutual funds? I have a roth ira through fidelity. I work for Wells Fargo so they don't charge me a lot of the fees you may normally have if you go through someone for a roth. I don't know that much about it but I set it up because I know a Roth is a great way to invest for retirement. However, the funds that I was set up with are EPGAX FDVAX FEIAX FSCDX FSOAX --can someone tell me if these are good funds compared to moving it over to Vanguard or something other then these? I don't know much about it (which probably isn't the best thing) but I am 24 and don't want to make big mistakes young and then regret it later. I don't trade or anything, they do all of that for me, and I prefer it that way...any help is appreciated

Can we qualify to buy a home? how much? Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA

Loan Modification - Financial Worksheet? Hello everyone!! I need help. In a financial worksheet, under the section "Liabilities" they ask for the vehicles. How do I determine the estimated value for my car? Also, they ask for 401k, etc. I have a retirement account (407) but that money is untouchable until I retire. Do I have to include it. As a last favor, do you have a link to a financial worksheet template? I asked Wells Fargo for one, and they told me to google for it in the Internet. Thanks for all your valuable help

Anyone else struggling to find work in this time of recession? It's like EVERYWHERE I go they are not hiring. I've applied all over the place and it is SO exhausting, taking the gas and money I don't have to drive everywhere looking for a job only to have a door slammed in my face, I can't even pay my bills anymore and it's so depressing, everyday I am looking, keeping an eye and ear out for anything no luck. One of my family members just lost their house, friends of mine can't pay their mortgage, filing for bankruptcy, losing retirement. Pay being cut in half, the last job I had was about 2 months ago and before they let me go they had me working only 4 hours a week! They saved hours for the managers and at one point all I was getting was $15 for a check! Now I'm living with my boyfriend and he is such a blessing for me because if it weren't for him I would be on the streets. I need to turn off my phone bill now because it's too much for my situation and even though I refuse and tell him not to pay any of my bills he does it anyways and I don't want him to because they are MY bills and I feel so guilty and stressed but I can't find a job anywhere! It's making me so down and out of it. Are you struggling to find work? Does anyone have any ideas where they are hiring right now? I have an interview for Wells Fargo coming up and it sounds promising then today I applied myself at Care.com to be a baby sitter since I have experience with kids. I need help!

Reverse mortgae lien? In April my father-in-law passed away. At the time of his death, he had a reverse mortgage on his house. Appraised value of the house is about $80,000 and the amount owed to Well's Fargo is about $50,000. With the reverse mortgage no payments are required until the house is sold. After his death, we found out that he had about $200,000 of IRS liens against his house for failure to pay back taxes of about 7 years. My mother-in-law was on some of the tax returns but not all. My mother in law has decided that she no longer wants to live in the house. With that I see we have a couple of options. 1. We can sell the house and make about $25,000 at the most. However, that will go to the IRS as I understand it. So my first question is what happens with to the other $175,000 that is due to the IRS. Is my mother-in-law responsible for it. 2. We can let the bank foreclose on the house. Because it is a reverse mortgage, the only reason they would foreclose on the house would be because of failure to carry insurance, pay property tax, or the home is remains unoccupied. The insurance and the taxes have been paid through next year. So my next question is similar to the first. What happens to the $200,000 lien that was placed on the house. My mother-in-law wants to move in a retirement village that determines the monthly rent based upon her income (only social security). So once the house is out of her possession, she would have very little assets other than a car and furniture.

Foreclosure...and my situation? Hi everyone I know I need to talk to an attorney but I would like to hear other peoples thoughts and experiences as well. First of all I am 29 years old...So i think I'm young enough to start over if I need to. I purchased a new build home in Oct 2006 in Columbus Ohio for $163,000. Today i owe $158,000 and all payments are current. For years I have never been late on any bills...My credit was 733 the last time I saw it. I went thru a divorce in Sept 2008. After the divorce I picked up a child support payment of nearly $800 a month...Well $600 for support and half of the babysitting cost which are $200 monthly. So a total of $800 a month. Because of this situation and the current economy I cannot afford the house, rent it out for the $1500 monthly payment, find a roomate, or sell it...I have tried to do all 4 of those things. The house is solely in my name, my ex wife has no connection to the home and she doesn't have any money anyways. I was able to rent it out last may for $1000 a month...which is no where near the $1500 payment, meaning I have to pay $500 a month out of my own pocket every month. My tennants are moving out this May 2009. Similiar homes in the nieghborhood rent for roughly $1000 a month, so to ask $1500 for rent is not going to happen. I have notified my bank and informed them of my situation and that my saving account has significantly decreased since last May as a result of pulling $500 a month to stay current. The bottom line is I cannot afford this house nor do I want it anymore. I tried to do the right thing but is it worth draining my savings to $0 and still losing the home? I have $4000 left in my savings. The home is prob only worth around $120,000 cause of the economy. Wells fargo is not taking me serious because all payments are current. I will probably stop paying after May 2009 when my tennants move out. I'm not left with any other choices. Unless wells fargo would drop the house payment from $1500 to around $700...i cant afford it. And i don't thing they will drop it that low for me. and this a V.A loan as well...if that means anything What are my options? Should I take my last $4000 and pay off credit cards and other bills instead of putting it into this house that i'm going to lose? Are they going to go after my 401k retirement? Will I get 1099 next year? Will I be sued? The bank would doubtfully deed in lieu? These are questions I have and I will talk to an attorney, but I'd appreciate everyone else's view. Thank you and I'm sorry to contribute to the American foreclosure mess, but divorce has really left me no options