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Re: Does a 401k plan cost an employer money?

besides the match a company has to pay a fee to the plan administrator or let the administrator take a percentage! most companies pay the administration fee(i read this somewhere).
by gerrym51
Thu Jul 24, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Does a 401k plan cost an employer money?
Replies: 32
Views: 1731

Re: Buying a camper

by gerrym51
Mon Jul 14, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2458

Re: Buying a camper

Look at Jayco trailers. your problem is you need sleeping for 5. very hard to find with no amenities :mrgreen:

this hybrid might work for you

http://www.jayco.com/products/travel-tr ... lite/x18d/
by gerrym51
Mon Jul 14, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2458

Re: Karen, single, 61, $2 million.

I need to know how much she spends per year- i did not see that in any of the posts?
by gerrym51
Fri Jul 11, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3706

Re: "high rate" CDs

because they can
by gerrym51
Tue Jul 08, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2834

Re: Affordable health insurance

your company has to send you a cobra inflormation letter telling how much it will be form them within 15 days. you can usually ask your HR department the cobra rates.
by gerrym51
Tue Jul 08, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2923

Re: When you retire you plan to?

My wife and I moved to a small condo-over 20 years ago-all children are adult-now at 63 no moving for us
by gerrym51
Mon Jul 07, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3362

Re: Time to buy a tv or wait 2 years?

I bought a 40 inch sony Bravia which then was state of the art in 2002-still looks perfect to me. I will buy another TV when it dies. :mrgreen:
by gerrym51
Mon Jul 07, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5734

Re: Longevity Insurance now allowed in IRA/401k/etc.

I guess the point is that if uswd correctly this can be another planning tool for someone to look at. Not a free lunch but something that could save you money and help with longevity. if everybody knew exactly when they would die thenthse would or would not be no brainers-I dont want to know-makes l...
by gerrym51
Sat Jul 05, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Just retired...any reason to move 401K to IRA?

I had 2 different 401-ks at one time. my former employer 401k seemed pretty good but i found out the employers plan was charged us employess an extrafee i did not know about. i moved it to ira with same company(trowprice) with same fund(trrbx) and saved 1/4 percent i did not know i was paying my for...
by gerrym51
Fri Jul 04, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Just retired...any reason to move 401K to IRA?
Replies: 50
Views: 4879

Re: Longevity Insurance now allowed in IRA/401k/etc.

I guess i just need someone to tell me if this can be a viable option for a married couple with children. when and if at any time would using this option be a financial advantage.
by gerrym51
Tue Jul 01, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

But who would invest in an annuity policy that will pay 0 if you die prematurely. Longevity insurance products offer considerable comfort to those who worry about having to move in with their kids during retirement. But they come with some significant drawbacks, too. The biggest is that basic longe...
by gerrym51
Tue Jul 01, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

But who would invest in an annuity policy that will pay 0 if you die prematurely. Maybe some of the same people who invest in a homeowners policy that will pay 0 if their house does not burn down. If having your house burn down is not a financial problem for you then you would be wasting your money...
by gerrym51
Tue Jul 01, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

But who would invest in an annuity policy that will pay 0 if you die prematurely. Maybe some of the same people who invest in a homeowners policy that will pay 0 if their house does not burn down. If having your house burn down is not a financial problem for you then you would be wasting your money...
by gerrym51
Tue Jul 01, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

how is this new ira/401k taxed. based on what i have read although it calls it a deferred annuity-it seems to me to be a new class of annuity based on these new rules.
by gerrym51
Tue Jul 01, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

this is a max 25 percent or 125,000- i guess each year?. I will need someone smarter than me to explain it to me -but if it lets me take my minimum withdrawal-buy the annuity-and avoid paying taxes on the required withdrawal-it's not perfect but isi is an option-i actually(at this moment) find it p...
by gerrym51
Tue Jul 01, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

this is a max 25 percent or 125,000- i guess each year?. I will need someone smarter than me to explain it to me -but if it lets me take my minimum withdrawal-buy the annuity-and avoid paying taxes on the required withdrawal-it's not perfect but isi is an option-i actually(at this moment) find it pr...
by gerrym51
Tue Jul 01, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

But who would invest in an annuity policy that will pay 0 if you die prematurely. Longevity insurance products offer considerable comfort to those who worry about having to move in with their kids during retirement. But they come with some significant drawbacks, too. The biggest is that basic longe...
by gerrym51
Tue Jul 01, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Longevity Insurance now allowed in IRA/401k/etc.

although i have generally been against annuities and for taking ss at 70 if the choice was between annuity ot 70.However i took at 62 and normally would not consider an annuity. However-i carefully read this article-and i will consider it now within the Ira/401k-if i think it will be beneficial over...
by gerrym51
Tue Jul 01, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 97
Views: 4901

Re: Should I buy a Kindle Fire?

we have kindle fire HD 8.9. we love it-we also have prime. However i buy things from amazon enough where prime makes it worthwhile.my wife does buy a lot of books
by gerrym51
Sat Jun 28, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a Kindle Fire?
Replies: 20
Views: 1114

Re: Best Road Trip Vehicle

a class 'B' campervan

Roadtrek,pleasure way,sportsmobile,Winnebago touring vans.
by gerrym51
Thu Jun 26, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2733

Re: Long-Term Care Insurance? Is it a good idea?

my wife and i have LTCI. I would wait and buy in your 50's :mrgreen:
by gerrym51
Tue Jun 24, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Insurance? Is it a good idea?
Replies: 24
Views: 1835

Re: How I win at craps

my weakness is roullette-worst odds in casino-i play it anyways :mrgreen:
by gerrym51
Tue Jun 24, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2040

Re: Is Medical School Worth it Financially?

if you like being a doctor-plus you make a good living at it-why not.

I'm looking at buying an rv. is it cost effective-NO. Am i going to do it anyways-YES.
by gerrym51
Mon Jun 23, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5039

Re: Do I owe old insurance chance to match new quote?

If your dealing with a broker and you like them in past i would give them a chance. But if it's just big company to big company NO
by gerrym51
Mon Jun 23, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Do I owe old insurance chance to match new quote?
Replies: 14
Views: 954

Re: No bonds at all.

having a combination of stocks and bonds made sense in the past and will in the future :mrgreen:
by gerrym51
Fri Jun 20, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11833

Re: Why does Vanguard sit on your money for a week ?

I've just transferred a reasonable sum of money to Vanguard and would (while I have the compulsion) like to go AI and buy my first stock funds (or ETFs) but they said there's a 7 day hold. Is this a function of the US banking system (I'm a recently immigrated Brit) or just something they do ? It's ...
by gerrym51
Fri Jun 20, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sit on your money for a week ?
Replies: 14
Views: 1521

Re: American Automobile Assn (AAA)

we have had some battery/tire issues. AAA always came within 30 minutes. we like it.
by gerrym51
Fri Jun 20, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3399

Re: Should I be worried long term disability insurance won't

i looked into this once-price was prohibitive
by gerrym51
Wed Jun 18, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be worried long term disability insurance won't pay
Replies: 12
Views: 1159

Re: Retiring to a state with expanded Medicaid?

prior to Obamacare medicaid was an income/asset test. with Obamacare it is just an income test for health insurance-i don't think that includes a welfare stipend.
by gerrym51
Tue Jun 17, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring to a state with expanded Medicaid?
Replies: 16
Views: 1109

Re: Annuitizing for retirement - what if the market is down?

I am not an annuity believer. I also took ss at 62. However if I was an annuity believer i believe the best approach is to take SS at 70 and make that your annuity.
by gerrym51
Mon Jun 16, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuitizing for retirement - what if the market is down?
Replies: 43
Views: 3897

Re: Extra payment on mortgage = Investing in (non-breakable)

although you might split hairs about how much money made/lost i really don't think having a paid up mortgage is a bad thing.
by gerrym51
Fri Jun 13, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extra payment on mortgage = Investing in (non-breakable) CD
Replies: 9
Views: 692

Re: Bond investment choices at Fidelity

you could buy brokered CD's which are actually bonds
by gerrym51
Sat Jun 07, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond investment choices at Fidelity
Replies: 19
Views: 1070

Re: Pull-ups and Push-ups

My son in law -who is 38- actually has done 2 100 mile marathons besides numerous small one's. it's mind over matter for him. I could do 100 YARDS. :mrgreen:
by gerrym51
Sat Jun 07, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39617

Re: Target date funds

original trprice target date funds-they have 2 kinds
by gerrym51
Sat Jun 07, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Target date funds
Replies: 20
Views: 2372

Re: Confession: I bought a stock. What is wrong with me?

I feel the same way-about Roullette. I know it's a suckers game but i play it anyway.What can i say. :mrgreen:
by gerrym51
Fri Jun 06, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 56
Views: 4202

Re: Solar panels, are they worth it?

If you plan on staying where you are then -maybe.
by gerrym51
Thu Jun 05, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 4966

Re: Future PenFed CD rates

CD increases seem to have stalled in general based on what is happening with the 10 year and 30 year bond
by gerrym51
Thu Jun 05, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Future PenFed CD rates
Replies: 9
Views: 1488

Re: Delaying Social Security benefits - information from NAS

Lots of discussions about the pros and cons of doing it either way. Everyone has to consider his/her own particular circumstances - both health and financial; and make decision accordingly, remembering there are no guarantees in life. In my case, I filed at 63; and figured out that if I lived past ...
by gerrym51
Sun Jun 01, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security benefits - information from NASI
Replies: 31
Views: 2187

Re: Delaying Social Security benefits - information from NAS

I take issue with presentations that imply an individual (not a couple) will benefit from waiting and "get more money" -- per month, yes, but not necessarily more total benefits. And I don't like the growing stigmatization of 62 year olds who start benefits as needier than others. We have...
by gerrym51
Sat May 31, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security benefits - information from NASI
Replies: 31
Views: 2187

Re: Filing for SS Early and Investing

I've never read any comments on this forum advocating the strategy of claiming early and investing the proceeds, but it is a very common option that is continually brought up when SS claiming strategies are discussed in the comment section of articles. I have been to a couple of SS strategy seminar...
by gerrym51
Thu May 29, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing for SS Early and Investing
Replies: 26
Views: 1701

Re: Chart looks awesome to me! Others said not so good?

Mine is trrbx

number 1 for 10 years
number1 for 5 years
number 3 for 3 years
number 1 for 1 year


i've had it for 11 years


http://quotes.morningstar.com/fund/trrbx/f?t=TRRBX
by gerrym51
Thu May 29, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chart looks awesome to me! Others said not so good?
Replies: 15
Views: 1729

Re: Florida/Orlando vacation

We will be in Atlanta in mid June and have decided to turn the weekend into a 2 week+ vacation. A few of our friends have said that there are a lot of things to do and see around Orlando. However the magic of the magic kingdom is not something that really appeals to us since we are older (60, 75), ...
by gerrym51
Thu May 29, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Florida/Orlando vacation
Replies: 5
Views: 597

Re: New water heater needed - local plumber or Home Depot, L

We have used both home depot and lowes for a variety of stuff and they will get it installed for you. I have had no problems with their installers.
by gerrym51
Wed May 28, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4246

Re: Best Large Purchase(s) Ever?

the next rv i'm going to buy :mrgreen:
by gerrym51
Tue May 27, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3214

Re: 401(k) moving - what should I do?

My old company's 401(k) is moving from Fidelity, where it has been for the last decade or more, to Vanguard. I should be happy, right? But I am not. Here's why ... At Fidelity, no annual fee to plan participants. I had - among others - Spartan S&P500 and Spartan Extended Market funds. My expens...
by gerrym51
Tue May 27, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) moving - what should I do?
Replies: 20
Views: 1205

Re: Blocking posters

One man's irritation is another man's delight. :mrgreen:
by gerrym51
Mon May 26, 2014 12:22 pm
 
Forum: Forum Issues and Administration
Topic: Blocking posters
Replies: 19
Views: 1454
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