Search found 7 matches

by whitepaws
Mon Apr 24, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 5458

Re: Best vacuum cleaner for pet hair?

We have a Miele and it is a very good vacuum but it is difficult for me to compare it to others because it is the only one we bought and kept. I have a rug on tile floor and I use this to demonstrate the power of Miele to my family, who are often rolling their eyes to my enthusiasm. I will shake it ...
by whitepaws
Mon Apr 24, 2017 4:01 am
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1597

Re: Question about 403b plan

Hi, everyone. I will be checking into the other plans today. I have until 2019 to be free of surrender fees. Also, I live in Florida. I did find this and Valic is listed on their main page. I am reading through the FAQ. https://www.myfloridadeferredcomp.com/SOFWeb/default.aspx Here is what I found o...
by whitepaws
Sun Apr 23, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1597

Re: Question about 403b plan

My question is now this: Is it always recommended to invest in a 403b to the maximum before you invest else where even though the choices are poor? The answer is no, it is NOT always recommended to max out a 403b, even a low-cost one. Paying off high interest debt certainly deserves a very high pri...
by whitepaws
Sun Apr 23, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1597

Re: Question about 403b plan

Hi, krow36. Thank you for the link and information. I was able to determine that I bought a variable annuity from Valic using the information you provided. My question is now this: Is it always recommended to invest in a 403b to the maximum before you invest else where even though the choices are po...
by whitepaws
Sun Apr 23, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1597

Re: Question about 403b plan

1. Get your match. Look carefully for low ER funds. From you choices, I would look at Life Strategy with desired bond % or a few index funds with lowest ER such as US stock and US bond. 2. Fill Roth IRA or traditional. 3. Fill 403b if you still have any more to invest. The tax-deferment is worth a ...
by whitepaws
Sun Apr 23, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1597

Re: Question about 403b plan

Hi, Futurewealthy. Thank you for your reply. There is no company match but I do receive a pension. Here are the funds with their expense ratios. The list is very long though. BROAD CAP VALUE INC • Barrow Hanley 1.85% DIVIDEND VALUE • BlackRock/SunAmerica 1.82% LARGE CAP VALUE FUND • Boston Company/P...
by whitepaws
Sun Apr 23, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1597

Question about 403b plan

Hi! I have come across warnings about not investing in a bad 403 b plans. My employer offers a 403b plan with expense ratios from 1.35% to 2.12%. Does this sound bad? We are in the 15% tax bracket. Thank you.