Search found 129 matches

by KESP
Wed Nov 07, 2018 6:31 am
Forum: Investing - Help with Personal Investments
Topic: 403B, is mine even worth it?
Replies: 10
Views: 915

Re: 403B, is mine even worth it?

There were no minimums when I signed up. This was last year.
by KESP
Tue Nov 06, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: 403B, is mine even worth it?
Replies: 10
Views: 915

Re: 403B, is mine even worth it?

I was just going to say the same thing. Don’t know how you come up with 1.2-1.4%. I have Aspire and have access to all Vanguard funds, admiral shares. I’ve been very happy.
Edit- I did not have to wait to invest in admiral shares, that’s what I picked and no one stopped me.
by KESP
Fri Nov 02, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Another Brokerage Firm Caught Overcharging
Replies: 3
Views: 1484

Re: Another Brokerage Firm Caught Overcharging

Thanks for posting that Rick. Partially explains why mine had me in 21 different funds, and I only had $300,000 invested with him. Got rid of mine, but how many thousands or millions of people are getting taken advantage of and have no idea.
by KESP
Thu Oct 25, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: AXA 403b
Replies: 4
Views: 206

Re: AXA 403b

She has to resign, not retire. Also, AXA probably sold her a variable annuity, so there may be a penalty for not holding it a certain number of years. Still worth it to roll it over. My experience has been some of these 403b sellers are less than truthful. I would request they put it in writing that...
by KESP
Mon Oct 08, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Trying to help 23 year old with 403b
Replies: 9
Views: 479

Re: Trying to help 23 year old with 403b

I do not see that the Lifecycle Index fund is an option. Yes, that one looks much better. I will double check with her that she only has access to the other one. Thanks, I didn’t know there were 2 different Lifecycle funds.
by KESP
Mon Oct 08, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Trying to help 23 year old with 403b
Replies: 9
Views: 479

Re: Trying to help 23 year old with 403b

Thanks everyone for your input. I think I will stick to what I was originally going to do and advise her to move to a Vanguard Target Retirement fund. I have also sent her that pdf and will buy The Boglehead's Guide to the Three Fund Portfolio. Hopefully she will read them. She has many years of inv...
by KESP
Mon Oct 08, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Trying to help 23 year old with 403b
Replies: 9
Views: 479

Re: Trying to help 23 year old with 403b

Are the underlying funds in the TIAA option index funds? If not, that would be another argument to move to the Vanguard fund. You might want to send this short (16 page) PDF to your niece; it is a great basic education for new investors: https://www.etf.com/docs/IfYouCan.pdf This is what is in the ...
by KESP
Mon Oct 08, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Trying to help 23 year old with 403b
Replies: 9
Views: 479

Trying to help 23 year old with 403b

Just trying to provide some guidance to my niece who was talking to me about her 403b. Apparently with the help of the TIAA-CREF rep she picked the TIAA-CREF Lifecycle 2060 Fund (Institutional) with an expense ratio of .45%. The expense ratio is actually .79% but .34% is waived because of an agreeme...
by KESP
Sat Sep 22, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 39652

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Just bought 2 more copies to donate to the school library I work in. I was extra motivated when a young teacher was talking to me about how a representative from AXA hunted her down in her classroom, gave the impression she was working with the district, and got her to sign up for a very expensive a...
by KESP
Tue Sep 18, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5588

Re: 401k money missing

How did you make out?
by KESP
Sat Sep 15, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5588

Re: 401k money missing

I should have said isn’t there a spot on your statement that says year to date contribution?
by KESP
Sat Sep 15, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5588

Re: 401k money missing

I’m not understanding why you would wait until the end of September to approach your payroll person on this. If someone stole it, call the police. If it’s a mistake of some kind, give them a chance to fix it. Have all your paperwork ready to show whoever you are talking to. What 401k provider is it?...
by KESP
Sun Sep 09, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 64
Views: 9020

Re: My daughter's inheritance.

A wealth adviser at a bank will probably put her in things she shouldn’t be in. My friend is 64 years old and the bank tried to convince her to purchase whole life insurance. The only place to go where she won’t get taken advantage of is Vanguard Personal Advisory service. They are not getting commi...
by KESP
Sat Sep 01, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Suddenly disabled but need to invest
Replies: 17
Views: 1921

Re: Suddenly disabled but need to invest

As nedsaid already suggested, you seem to be a good candidate for Vanguard Personal Advisory services (PAS). It’s hard when you are depressed to start reading material to educate yourself on investing, or even to try and find a financial advisor who won’t take advantage of you. I would start with Va...
by KESP
Wed Aug 08, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 5654

Re: Old dog needs to learn to manage his investments

I would suggest ordering The Bogleheads' Guide to the Three-Fund Portfolio. It is a short, easy to understand book that will explain why the three-fund portfolio is all you need. There is also a ton of information on this site which I would also encourage you to read. I think the book gives you a cl...
by KESP
Thu Aug 02, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Which 403b provider to choose?
Replies: 19
Views: 1177

Re: Which 403b provider to choose?

I have Aspire and have access to admiral shares of just about every Vanguard fund you would want. I’ve been very happy with them, but don’t expect any hand-holding. I pay .15% on assets annually, plus $40 administrative fee a year.
by KESP
Wed Jul 25, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3975

Re: negative comments about "Brazil nuts"

I love nuts.com. Can get Brazil nuts in shell for 9.99, or a variety of other ways from $14.99 and up. I have been very happy with their quality.
by KESP
Wed Jul 25, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7391

Re: Daughter wants to travel on her own to Montreal

I would be concerned about someone slipping her a date rape drug. My nieces just graduated from college and it is fairly prevalent. Yes, college is probably more dangerous than Montreal, but I would still worry. Of course, I worry about everything and somehow my kids turned out to be confident, prod...
by KESP
Wed Jul 25, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 72
Views: 5227

Re: Buy house for retired mother?

I am surprised that people think that living in retirement community is better than living with family - old people need company of young and kids as well - it is another case if family doesnt want to live together - to each his own. My mother had several friends who moved in with their children la...
by KESP
Mon Jul 23, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 8829

Re: I want to sell my home, but I don't want to fix it up

I’m finding it is not easy to get people to work on your house. I’ve been trying to fix certain things in my house and it has been very frustrating. People don’t call back, someone came and once he saw we had a vaulted ceiling he clearly didn’t want the job so we never heard from him again, another ...
by KESP
Wed Jul 11, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 39652

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

As I mentioned in my Amazon review, this book is a perfect length to give as a gift to people who just need to get to the nitty gritty of investing. My almost retired friends and my young adult children might feel overwhelmed with the more extensive Bogleheads Guide to Investing. People I talk to se...
by KESP
Mon Jun 04, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 44
Views: 5281

Re: Recommended Parenting Books

John Rosemond parenting books, particularly Parent Power. Old school parenting that I wish more people would follow.
by KESP
Mon May 28, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Does Wells Fargo Advisors Require Medallian Signature Guarantee
Replies: 15
Views: 1434

Re: Does Wells Fargo Advisors Require Medallian Signature Guarantee

Two years ago I transferred an IRA and an inherited IRA from Wells Fargo Advisors to Vanguard and it did not require a medallion signature.
by KESP
Thu Apr 05, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 10351

Re: Liability for 32 year old step son living home

I am also a step parent. All through my stepson's childhood, my husband did not punish him once, ever, and it was not because he was a well-behaved child. Somehow, he grew into a very nice young man, but it could have turned out badly. I would guess it's the mother who is standing in the way of thin...
by KESP
Tue Mar 13, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2495

Re: Met with School 403(b) Adviser: Need Clarification

Do you have an email for him? If so, I would shoot him an email and ask for confirmation of all fees you would pay if you signed with him. Tell him you are specifically interested in the Vanguard Total Stock Market Fund. Anyone who tells you that you can’t contribute to an IRA because you have a pen...
by KESP
Mon Feb 19, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 19
Views: 2019

Re: Adviser said I made a big mistake switching 403b to Aspire??

You did not make a big mistake. I fought in our district to have Aspire added as an option. Prior to this our only options were high expense variable annuities. Assuming you are managing this yourself, you are saving quite a bit in fees. Don’t listen to him.
by KESP
Thu Jan 25, 2018 8:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5893

Re: Happy Birthday, Taylor!

Happy birthday Taylor! Your advice and kindness in the way you deliver it is very much appreciated.
by KESP
Sun Jan 21, 2018 9:04 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 40
Views: 5403

Re: My daughter got her dream job

Congratulations! It is a great feeling when they get that first real job. One piece of advice. Both of my wonderful intelligent daughters had some struggles when they first started. School can only take you so far. Some things in a job have to be experienced. They will”mess up.” I told them both it’...
by KESP
Tue Jan 09, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe not a win for teachers/I need some advice
Replies: 46
Views: 3310

Re: Maybe not a win for teachers/I need some advice

ThisTimeItsDifferent wrote:
Tue Jan 09, 2018 5:09 pm
KESP wrote:
Tue Jan 09, 2018 4:26 pm


I just switched my money from Aspire to AXA.
Don't you mean from AXA to Aspire?
Duh, yes, it’s been a long day!
by KESP
Tue Jan 09, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe not a win for teachers/I need some advice
Replies: 46
Views: 3310

Re: Maybe not a win for teachers/I need some advice

... Drops to an additional .064% 0.64% on a $100K balance. Thanks. My bad. Forgot to remove the zero from the calculator when I typed that. Yes - .64%! OP called and it turned out to be the more reasonable annual .15% charge, as opposed to quarterly as first listed. That changes everything to .55% ...
by KESP
Mon Jan 01, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Problems with EJ (Is anyone surprised?) [Edward Jones]
Replies: 30
Views: 5234

Re: Problems with EJ (Is anyone surprised?) [Edward Jones]

Just to second and third what others have said. Hook up with Vanguard Personal Advisory services and worry about the rest after. Be patient, they are slow, but I think you will sleep easier.
by KESP
Sun Dec 31, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 8089

Re: So, how was the year ? Gains made and Lessons learnt ?

We are up 15% for the year. While we have an extremely modest portfolio compared to many on this forum, this is more money than I ever thought we’d have. DH pretty much lost everything in his divorce and while I saved, I could have saved a lot more. I’ve passed these lessons on to my children and th...
by KESP
Sat Dec 30, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 9507

Re: Individual Stocks That Went Bust

For sheer as-it-happens drama, GTAT. Here is the thread on The Contrarian Investor starting with the trading halt. OMG. That is the saddest thing I have ever read in a financial forum. People losing their retirement, their life savings, their children’s money. Horrible. I think my kids know better ...
by KESP
Sat Dec 30, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have a way to track outside investments?
Replies: 9
Views: 2028

Re: Does Vanguard have a way to track outside investments?

I just picked Fidelity investments and it picked up my husband's account just fine. Had to delete and add it once or twice since because it wouldn't update. Working fine now.
by KESP
Thu Dec 07, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2340
Views: 1468639

Re: The Three-Fund Portfolio

Just pre-ordered for my children. Thanks Taylor!
by KESP
Thu Nov 23, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advisory service?
Replies: 23
Views: 3435

Re: Fidelity Portfolio Advisory service?

In reading your post, it seems like you don’t feel you can handle this yourself and have a lot of things going on in your life. Here is a link to info on a 3 fund portfolio with Fidelity funds so you wouldn’t have to totally switch companies. You would have to decide on what percentage of stocks to ...
by KESP
Sat Nov 04, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 6834

Re: "PROBABLY THE WORLD'S BEST INVESTMENT FORUM"

Thank you to the moderators that cull the garbage and keep this forum from turning into the noisy chaos that inhabits most every non-moderated message board. Couldn't agree more. And thank you to the forum members like Taylor who patiently give advice to those of us who are still very much in the l...
by KESP
Sat Nov 04, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Interest Account-transfer or not?
Replies: 4
Views: 505

Re: Guaranteed Interest Account-transfer or not?

I'm definitely bailing, just was wondering whether to leave that guaranteed interest account there. I know what you mean, they have to be making money somewhere, although maybe the exorbitant fees elsewhere allows them to do that. :wink:
by KESP
Sat Nov 04, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 1428

Re: Anyone else have problems with Fitbit products?

My wife has pretty much turned us into a FitBit family...with both of us owning a FitBit Charge HR, as well as son and daughter. Problem is, the Charge HRs we have don’t seem to last all that long. My wife’s original Charge HR’s charging port broke (preventing it from charging) within a year of pur...
by KESP
Sat Nov 04, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Interest Account-transfer or not?
Replies: 4
Views: 505

Guaranteed Interest Account-transfer or not?

I currently have a 403b with AXA that contains a Guaranteed Interest option that pays 3%. This is what would be the bond portion of my 403b and represents 40% of my account value. I've had this account since 2004, hence the good rate. As some of you know, 403bs are generally high fee, variable annui...
by KESP
Sat Nov 04, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) - pushing annuity?
Replies: 14
Views: 1662

Re: 403(b) - pushing annuity?

My wife is a public school teacher in New York State. She inquired about her 403(b). We are hoping to purchase a total market index fund and just want to be mailed some information. Instead, we got a contact person that insists on visiting our home. This person works for an insurance company and cl...
by KESP
Mon Oct 30, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with Edward Jones account - SIMPLE IRA]
Replies: 30
Views: 3953

Re: [Help with Edward Jones account]

Click Forum Home index.php.
Decide what forum it belongs in, ex. Investing -Help with Personal Investments.Then on top left, will see button called New Topic.
by KESP
Mon Oct 30, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: 403b Question
Replies: 7
Views: 862

Re: 403b Question

I just had to fight for nearly a year to get Aspire added to our list of choices for a 403b provider. Most people would be extremely happy to have another choice beside the variable annuity pushing companies. Unless Lincoln has a self-directed option, your pick of Aspire is likely your best bet. Tho...
by KESP
Thu Oct 05, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 4121

Re: That blank stare... ?

That's the same thing that happens to me when I talk to my husband. When we had $100,000, he thought we had plenty of money for retirement. He truly doesn't care.
by KESP
Mon Aug 21, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 20381

Re: I own no international stocks. Can you guess why?

He's just having a little fun. I think with his history and contributions to this forum, he deserves it. Most on this thread have been good-natured about it. Maybe it's his own way to keep people from burning their eyes out looking at the eclipse as we will now be glued to our computers? :beer
by KESP
Sun Aug 20, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 20381

Re: I own no international stocks. Can you guess why?

I don't have any idea, but it has to be for a simple reason since Taylor is all about simplicity. I've always loved his posts that make me feel I can actually do this investing stuff on my own. :happy
by KESP
Thu Aug 03, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 4403

Re: MIL wants to move in with us

Another vote for a move to assisted living. Much easier to do it now, then to have her move to your house with all the changes that have to be made, and then have things blow up. Several of my mother's friends did this and all regretted it. They said they saw too much of their child's relationship w...
by KESP
Mon Jul 24, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 4124

Re: College student daughter got her car totaled. Advice?

There will be little room for negotiation. Some of it depends on the condition of the car, and mileage. I think you will be hard-pressed to find a reliable car for $5000. My husband and I had to do that years ago after he was laid off. It had a head gasket problem in less than a year and we dumped i...
by KESP
Fri Jul 14, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 23394

Re: How are folks handling the unprecedented rise in the market ?

I finally got our accounts to a 3 or 4 fund portfolio at a 60/40 asset allocation. It's nice to see the balances go up, but fully expect things to drop sometime. I rode it out the last time without doing anything stupid; I think I can do it again. Having a pension as a cushion does help as I should ...