Not too Late For Retirement Planning and a Free book On How to Find a Fee-Only Fiduciary Financial Planner

Hello,
     Two quick arti­cles that my good friend Ted emailed the other day. The first one is near and dear to our hearts as our entire book, “Late Bloomer Mil­lion­aires” is a how-to guide for late starters because we were late starters and made big mis­takes, yet we retired com­fort­ably. Click here for this arti­cle of the many excuses for peo­ple to delay (or not) plan for retire­ment. Don’t delay any longer. The con­se­quences can be tragic.

     Read the link below about an unfor­tu­nate story of get­ting sold some­thing that was not in this retired couple’s best inter­ests: http://www.nytimes.com/2014/10/12/business/mutfund/before-the-advice-check-out-the-adviser.html?_r=0

Don’t Get Taken, Here’s How
Find­ing and Inter­view­ing a Fee-only Fidu­ciary Finan­cial Adviser

You have heard this many times. If you need pro­fes­sional assis­tance with your invest­ments, select a fee-only fidu­ciary finan­cial adviser. There is a free FREE 100 page book by Paul Mer­ri­man title, “Get Smart or Get Screwed!” that details the entire process from begin­ning to end. The title is a bit sor­did, but delight­ful. (Click here to down­load Paul’s free book). One part that I liked as it gets right to the point when he wrote:

“When you’re pay­ing for advice (and you always pay, one way or another) you have two basic choices:
Choice #1: You pay your advi­sor, and the advi­sor works for you.
Choice #2: Some­body else can pay your advi­sor and, in effect, the advi­sor works for some­body else.”

Bot­tom line: If you write the check to the advi­sor then you are in charge and the advi­sor works for you. Any other pay­ment scheme puts you at risk of the adviser not work­ing for you and that is a big risk.

Thank you Ted for the two articles.
If any of you find an arti­cle that you think should be shared, con­tact me.
Have a great day,
Steve and Dan

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A Case For the Roth 457(b) at L. A. Unified School District

IMG_1083The guest author is a Los Ange­les Uni­fied S.D.‘s (LAUSD) teacher at Hamil­ton HS. For the past few weeks, Larry and I have been email­ing each other about mak­ing the Roth 457(b) a real­ity for all LAUSD’s employ­ees. Our Retire­ment Invest­ment Advi­sory Com­mit­tee voted to approve the Roth option a year ago, but LAUSD said there was not enough demand and pay­roll sys­tem could not han­dle it.

A year has passed and appar­ently things are begin­ning to look much bet­ter. Larry attended last month’s com­mit­tee meet­ing and voiced his request to the com­mit­tee which includes ben­e­fits admin­is­tra­tion, legal coun­sel and the chief finan­cial offi­cers rep­re­sen­ta­tives. The Chair put it on next month’s agenda! The Roth 457(b) dis­cus­sion is back.

This is a clear exam­ple how one per­son can ini­ti­ate change. But the effort is not done yet. If you are inter­ested in hav­ing the Roth 457b plan avail­able, please attend our next meet­ing on Feb­ru­ary 19th from 3–5. You do not have to come at the begin­ning of the meet­ing. Pub­lic com­ments don’t start until about 4:30. The com­mit­tee wants the Roth 457b as bad as the employ­ees. As Larry will point out, its a great addi­tion to our already Award Win­ning 457(b) plan!

Look­ing into the Future:  A Case for the Roth 403b/457b*

by Teacher Larry Shoham

Thanks to Steve Schullo, I’ve con­nected to LAUSD’s Retire­ment Invest­ment Advi­sory Com­mit­tee. Here, I’ve met some great peo­ple within LAUSD, UTLA, and with TIAA-CREF, who are com­mit­ted to pro­vid­ing teach­ers with non-toxic sup­ple­men­tary retire­ment options for teach­ers. I am eager to learn more about the District’s 457(b) plan, which allows one to take dis­tri­b­u­tions at the ter­mi­na­tion of employ­ment. Unlike a 403b, a per­son doesn’t have to wait until 59 & 1/2 to take out money. Con­tinue read­ing

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2014 Portfolio Return for “Late Bloomer Millionaire” Authors

Happy New Year!
How did your port­fo­lio per­form in 2014?
Today’s blog is not about com­pe­ti­tion, heaven for­bid! We show you how we eval­u­ated our return so that it is fol­low­ing the over­all stock and bond mar­ket index returns. Our goal is to earn the mar­ket aver­ages, not exceed them. We invite you to share your return, so we can all learn.

2014 was a good year for our invest­ments. Our over­all port­fo­lio per­formed a 6.0% return. Any year the return exceeds infla­tion is a good year! We cal­cu­lated our return by divid­ing what you have at the begin­ning of 2014 by the amount at the end of the 2014. Don’t for­get to put all con­tri­bu­tions back in for those of us who are retired and with­draw­ing. For those who are con­tribut­ing there is a sim­ple and com­plex cal­cu­la­tion. For the sim­ple cal­cu­la­tion, take out your con­tri­bu­tions for the year and for a thor­ough cal­cu­la­tion, log on to Bogle­heads wiki and down­load a free Excel SS: https://www.bogleheads.org/wiki/Calculating_personal_returns.

For com­par­ing returns across the dif­fer­ent asset classes log on to Callan’s out­stand­ing and infor­ma­tional annual table of which asset classes did well and which did not. Notice how the top per­form­ers one year become bot­tom feed­ers the next. That’s why its so impor­tant to diver­sify among the major asset classes. https://www.callan.com/research/files/989.pdf

Okay, how did our port­fo­lio per­form com­pared to Callan returns for 2014?

Our indi­vid­ual port­fo­lio index fund returns

2014PortfolioReturnsExplain­ing our port­fo­lio return: By com­par­ing some of the major hold­ing funds in our port­fo­lio to the Callan asset class returns, our Van­guard Total Stock Mar­ket ETF did what it was sup­posed to do by fol­low­ing the US domes­tic stocks and returned 12.54 (Callan’s table reports 13.69% for the S&P 500, the clos­est asset class to our Total Stock Mar­ket index, VTI). Callan’s Barclay’s Aggre­gate (bond index) returned 5.97%. Since 65% of our port­fo­lio is in bonds and the inter­na­tional stock mar­ket lost money, our port­fo­lio approx­i­mately reflected what was expected, 6.0%.

An addi­tional way to eval­u­ate our port­fo­lio (and yours too) is by com­par­ing our return to the almost 500 Bogle­heads who reported their returns. Here is a Sum­mary of Bogle­heads’ returns: 73% of the Bogle­head investors returned between 5.0% and 12.4%. If your port­fo­lio was lower than 5.0%, you have a very con­ser­v­a­tive port­fo­lio. If your port­fo­lio did more than 12.4% you had bet­ter be a young investor because you are tak­ing a lot of equity (stock) risk. Either way, if you don’t know how your plan is set up and don’t know your return, this is the time to talk with your adviser and find out. We are show­ing you how we eval­u­ate our port­fo­lio returns.

For addi­tional infor­ma­tion about indi­vid­ual Bogle­head port­fo­lio stock/bond split and other fac­tors that explains this range of returns from 5.0% — 12.4% fol­low this link: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=154376

Hope this helps. Happy New Year! Steve and Dan

Late Bloomer Millionaires book cover

 

 

Our Book Has 82 REVIEWS!

Steve Schullo and Dan Robert­son: Co-authors of Late Bloomer Mil­lion­aires. Read the 82 reviews and pick up a copy by click­ing on the cover above. If you read our book, please write a review on Ama­zon. Much appreciated.

If you have writ­ten a review, THANK YOU! We want to help peo­ple under­stand their invest­ments, be informed and empow­ered. It’s never too late!

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Financial Blogs Worth a Look According to AARP

blog

Dan and I agree with the Amer­i­can Asso­ci­a­tion of Retired Per­sons’ (AARP) finan­cial reporter Jean Chatzky. The fol­low­ing finan­cial blogs are worth a look. The bold print is our 2-cents worth. Enjoy and happy holidays!

Johnny Mon­ey­seed. The author of this blog and his wife are 30-something early retirees. Don’t let that dis­suade you. Their posts on top­ics such as how to be a foodie on a lim­ited bud­get and how much you can save by down­siz­ing apply to folks of all ages.

Invest­ing

The Chicago Finan­cial Plan­ner. Roger Wohlner, a fee-only finan­cial adviser based near the Windy City, focuses on help­ing reg­u­lar investors avoid the hype and con­fu­sion of the financial-services indus­try. An enter­tain­ing writer prone to foot­ball ref­er­ences (a recent post focused on what finan­cial firms could learn from vis­it­ing Lam­beau Field), he gets down to the nitty-gritty on top­ics rang­ing from ETF pric­ing to estate– plan­ning mistakes.

I have met Mike at the Bogle­head con­fer­ence. He is a Bogle­head! Obliv­i­ous Investor. Cer­ti­fied finan­cial plan­ner Mike Piper started the blog in 2007 to deal with the ques­tions his friends and loved ones would bom­bard him with every tax sea­son. He decided that, rather than offer­ing answers over and over again, he’d put them in a book and online. Today read­ers will find suc­cinct tips on tax and retire­ment plan­ning and low-maintenance invest­ing. Con­tinue read­ing

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Tony Robbins enters the Personal Finance Book Business

Tonyrobbins

New Book: Money: Mas­ter the Game: 7 Sim­ple Steps to Finan­cial Freedom

I have never read or fol­lowed Tony Rob­bins. He was too glib, too much of a sales­men, caters to the already wealthy and famous and his walk­ing hot coal story did it for me.

I have not read this book. But from what I read, he has writ­ten a good per­sonal finance book. Any well known fig­ure and book author who inter­viewed and writes what finan­cial giants John Bogle and War­ren Buf­fett have to say are on the right track for giv­ing sound finan­cial advice.

Excerpt:

When I asked War­ren Buf­fett — what are the secrets to your wealth, he said it’s three things. He said:

No. 1, it’s being born in America.

No. 2, is good genes, so I live long enough, and

No. 3, it’s com­pound inter­est. Com­pound inter­est — peo­ple have no idea the power that com­pound inter­est really has.” [Steve says, exactly!]

 

John Bogle says: “Money: Mas­ter the Game will be a huge help to investors…Tony Rob­bins dropped by my office for a 40-minute appoint­ment that lasted for four hours. It was the most provoca­tive, prob­ing inter­view of my long career, a reac­tion shared, I’m sure, by the other souls with strong invest­ment val­ues and sharp finan­cial minds who pop­u­late this fine book. This book will enlighten you and rein­force your under­stand­ing of how to mas­ter the money game and, in the long run, earn you finan­cial free­dom.“
– John C. Bogle, Founder, the Van­guard Group and the Van­guard Index Funds.

Click here for the USA Today arti­cle on his new book. http://www.usatoday.com/story/money/personalfinance/2014/12/09/tony-robbins-money-book/19278963/

Click Here for the Bogle­heads’ com­ments of Rob­bins’ new per­sonal finance book.

Rob­bins is donat­ing all of the prof­its of this book in addi­tion to a per­sonal dona­tion to feed 50 mil­lion meals to peo­ple in need this year through Feed­ing Amer­ica, a hunger-relief charity.

If any­body has read Tony’s book, please comment.

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Trust and Leadership. Nelson Mandela and John Bogle.

trustClick here on our society’s prob­lem about lead­er­ship and trust. There is prob­a­bly not much that we already don’t know. But the author starts with the lead­er­ship model of Nel­son Man­dela. Who could pos­si­bly fill that great leader’s shoes?

Click here to read what John Bogle (The finan­cial world’s “Nel­son Man­dela”) says about lead­er­ship and trust in our finan­cial sys­tem and explains why Dan and I have our money in this great man’s com­pany, Van­guard, which he founded almost four decades ago.

IMO, John Bogle’s best book is Enough. It’s about as thought­ful and reflec­tive of this great man’s finan­cial, polit­i­cal and social think­ing as any of our con­tem­po­rary philoso­phers. Enough is must read about lead­er­ship and trust, the dire need for it in our cul­ture and an inspi­ra­tion for us.

What can we do? Plenty.

  • We can sup­port this great man’s legacy and earn a decent return on our pre­cious retire­ment sav­ings plan by open­ing a low-cost Van­guard account.
  • We can help oth­ers who are unde­cided about their finances.

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Announcement: LAUSD 403(b) Vendors now linked to CalSTRS 403bcompare.com for objective information

Objective informationWhat is Objec­tive Information?

In the finan­cial world, noth­ing is more impor­tant than objec­tive infor­ma­tion. Peo­ple who approach you about sav­ing for retire­ment at your place of busi­ness, your class­room or union hall is likely NOT pro­vid­ing objec­tive infor­ma­tion. The words “guar­an­teed” returns and offer­ing “free” refresh­ments are clear tip-offs that the infor­ma­tion pro­vided is biased to a prod­uct or company.

Guar­an­teed returns are noth­ing more than exploit­ing your nat­ural fear of the uncer­tain stock mar­ket to sell you a costly insur­ance prod­uct that may not be in your best inter­ests. Insur­ance prod­ucts are com­plex with options and fees that an attor­ney would be hard pressed to under­stand. The sales peo­ple get a com­mis­sion and you get puny “guar­an­teed” returns that will not keep pace with infla­tion and can be reset by the insur­ance com­pany every year.

I was sold two hor­ri­ble fixed annu­ities and the returns dropped from 12% to 3%. I wanted out. Then I was pre­sented with $6,000 in sur­ren­der fees to get my money! I got screwed, but I got out and invested in mutual funds and have been happy ever since. I retired early with only 49% of my teacher’s salary that was replaced by my Cal­STRS pen­sion. The rest is from my 403(b) and after tax reg­u­lar savings.

Read my post “Are Insur­ance Prod­ucts Invest­ments?” Click here

Here is one way to Get Informed!

So, what is Objec­tive Infor­ma­tion? Cal­i­for­nia Teach­ers are very for­tu­nate to have 403bcompare.com web­site. 403bcompare.com shows you what objec­tive infor­ma­tion looks like. The fact that you are look­ing for infor­ma­tion rather than a sales per­son telling you with sales pitches is a major dif­fer­ence. You are proac­tive!

The fol­low­ing links will assist you to make an informed deci­sion. Cal­STRS is California’s teacher pen­sion sys­tem and it pro­vides objec­tive infor­ma­tion about all of the 403b ven­dors in Cal­i­for­nia schools.

Best of for­tunes! Steve

  1. Los Ange­les Uni­fied School Dis­trict Employ­ees ONLY Click here for LAUSD’s list of avail­able 403(b) ven­dors and links to Cal­STRS 403bcompare.

  2. Cal­i­for­nia PreK-12 Edu­ca­tors: Click here for 403bcompare and find your Cal­i­for­nia school dis­trict and look at your district’s avail­able vendors.

  3. ALL OTHER EMPLOYEES, both pub­lic and pri­vate com­pa­nies: Any­body who works can browse the ven­dors that you might have for your 403(b), 457(b) or 401(k) plan. For a list of all ven­dors listed, Click here for the direct link to 403bcompare.com. (Please note that not all insur­ance or invest­ment com­pa­nies are listed).

 

 

 

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Video Interview: Los Angeles Unified School District 457(b) Plan Design Award

Last sum­mer the Los Ange­les Uni­fied School Dis­trict won a Plan Design award for its low cost 457(b) plan. Below is the plan and a video inter­view of the his­tory of this plan by Sandy Keaton United Teach­ers Los Ange­les rep (in the mid­dle) Mariam Hiron­imus, LAUSD Ben­e­fits Man­ager (on the right) and myself next to the interviewer.

457bJPGClick on the link to see a ten minute inter­view by National Asso­ci­a­tion of Gov­ern­ment Defined Con­tri­bu­tion Admin­is­tra­tors which gave us the “Best Prac­tices, Plan Design” Award: Click here.

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Book Review: “The Wall Street Jungle”

The Wall Street Jun­gle (1970)

by Richard Ney

I love books that expose Wall Street’s ways. My review is more his­tor­i­cal in how Ney’s great book fits with another giant who also took on Wall Street’s gam­bling habits, Jack Bogle, founder of the Van­guard Group and the cre­ator of the index­ing strat­egy. Richard Ney was ahead of many finan­cial authors and thinkers and should be given more credit for help­ing investors under­stand and address how Wall Street works for its inter­ests over ours.

This best­ing sell­ing book intro­duced trans­parency of the inner work­ings of Wall Street. He doc­u­mented with huge amounts of data how the insid­ers, the spe­cial­ists, make money sim­ply because they are in “the right place at the right time” with a “monop­oly of infor­ma­tion” about mil­lions of trades. Ney said the indi­vid­ual investor doesn’t have a fight­ing chance. We end up pay­ing for the spe­cial­ist short sell­ing, big block fees, spe­cial bro­ker­age incen­tives and a myr­iad of other hid­den and despi­ca­ble, but legal meth­ods which fat­ten Wall Street’s pock­ets. Con­tinue read­ing

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Los Angeles Teachers & Employees Rate their Recent 403b/457b Investment Workshop. They Loved It!

Retire­ment Plan­ning Sav­ings Plans All Day Invest­ment Work­shop Results

IMG_1034

LAUSD/UTLA 403b/457b Invest­ing Workshop

Sat­ur­day Novem­ber 15, 2014

Here were the work­shops presented:

  1. Rick Rodgers Keynote and Lunch time talk
  2. Art Wexler 457b Presentation
  3. Teacher Crys­tal Mendez’s Story, how she saved $160,000 by age 33.
  4. Retired Teach­ers Steve Schullo/Dan Robert­son (Finan­cial Jour­ney with 403b/457b plans). What hap­pened when they expe­ri­enced two of the biggest stock mar­ket crashes in his­tory and what they did to sus­tain their retire­ment plan.
  5. Q and A’s
  6. Infor­mal dis­cus­sions with presenters

37 out of the 50 filled out the eval­u­a­tion ques­tion­naire: ALL BUT ONE LOVED THE WORKSHOPS and the objec­tive infor­ma­tion pro­vided! Below is what they said about their expe­ri­ence:

1. Did today’s work­shops meet your expec­ta­tions? Why or why not?

34 said “YES” 1 said more or less and 1 said “boring”.

Detailed com­ments:

  1. Yes, although I’ve been two pre­vi­ous times, still learn­ing at the workshop.
  2. Yes, but I feel it just touched the surface.
  3. More or less. I have a bet­ter under­stand­ing of the dif­fer­ence between a 403 and 457.
  4. Yes, under­stand­ing of retire­ment investments.
  5. Not bad, very informative.
  6. Yes, I got a lot of infor­ma­tion about invest­ing 457b and 403b.
  7. Bor­ing, 3 or 4 pre­sen­ters pre­sented slowly and confusingly.
  8. Yes, I learned a lot and learned I need to learn more.
  9. Yes, Rick Rogers very knowledgeable/personable/organized.
  10. Yes, great workshop!
  11. Yes, very informative.
  12. Yes, it was very informative.
  13. Yes, I attended the con­fer­ence in the spring, just came today for a refresher.
  14. Yes, Iden­ti­fied ele­ments cru­cial in prepar­ing and plan­ning for retirement.
  15. It was great! Thank you so much!
  16. Yes, I am so new to invest­ments some ques­tions were answered.
  17. Yes, I think more inter­ac­tion would help main­tain attention.
  18. 1st time attend­ing. found info inter­est­ing and useful.
  19. Yes, learned dif­fer­ence between 2 dif­fer­ent kinds of investments.
  20. Yes, now I under­stand that I have more options.
  21. Yes, lots of use­ful infor­ma­tion and points of view from the presenters.
  22. Yes, good informed speak­ers. The impor­tance of investing.
  23. Yes, as always Mr. Rodgers is very clear in his expla­na­tion. Do we have some­one like him locally?
  24. Yes, it taught me more about the 457 (b).
  25. Yes, the infor­ma­tion was well presented.

2. What was the MOST impor­tant work­shop or infor­ma­tion provided?

Nine par­tic­i­pants said that Rick Rogers was great.

  1. Three said Q&A
  2. Three said each for Steve/Dan, Art’s 457b pre­sen­ta­tion and Crystal’s story.
  3. Two said, that learn­ing to use bonds as part of asset allocation.
  4. Three men­tioned infor­ma­tion about the 457b plan.
  5. Two wrote only one word: “DIVERSIFICATION!”

Other com­ments:

  1. It’s very good to lis­ten to peo­ple who have gone though the ups and downs of the market.
  2. Speech from Art (on 457b plan).
  3. Finan­cial prod­ucts available.
  4. Com­par­ing invest­ments and longevity, charts and risk vs. reward chart.
  5. How to take your money out at retirement.
  6. The dif­fer­ence between active vs. pas­sive funds and Tar­get date fund, front & back load to be checked in the prospectus.
  7. The impor­tance of invest­ing to sup­ple­ment the teacher’s pension.
  8. Clar­i­fi­ca­tion of fees and penalties.
  9. All the infor­ma­tion was impor­tant for me.
  10. Stock, mutual funds info.
  11. Types of invest­ment strate­gies and expla­na­tion of invest­ment tools.
  12. Rick was very help­ful. Please put it on the website.
  13. I learned to invest in the 457b rather than the 403b.
  14. Rick did a good job of out­lin­ing issues fac­ing retirees.
  15. Last time I attended, I was deter­mined to develop a bud­get­ing sys­tem. I had a spread-sheet pre­vi­ously, but I fre­quently went over bud­get. I researched Quicken and Mint.com, but ended up using YNAB (you need a bud­get) and it has been very helpful.
  16. Rick was great. He gave a great overview. Very edu­ca­tional, infor­ma­tive and clear and direct.
  17. Fun­da­men­tals of invest­ing and info about 457b plan.
  18. Rick’s overview of investing.
  19. That I need to stop con­tribut­ing to my annu­ity account! and that I need to have a plan!
  20. I liked the infor­ma­tion Dan and Steve’s story pro­vide. They are detailed and good advice.
  21. Infor­ma­tion by Rick was quite valuable.
  22. How to invest in retirement.
  23. Under­stand­ing the dif­fer­ences between stocks, bonds and mutual funds.
  24. Really enjoyed every­one, but Rick was hilar­i­ous and infor­ma­tive. I really appre­ci­ate Art’s hon­est answers (not that any­one was dis­hon­est). I just know some things he said were very unbiased.
  25. It helped me plan my future. It pro­vided me with the best plan to put my money in.
  26. All of the info was important.

 3. What was the LEAST impor­tant work­shop or infor­ma­tion provided?

27 peo­ple left this BLANK! Almost all said every­thing was great!

  1. 4 men­tioned about too many per­sonal questions.

Other com­ments:

  1. Con­vinc­ing us of the impor­tance of invest­ing at the begin­ning since we are already part of the “choir.”
  2. The 457 pre­sen­ta­tion was OK, but still a lit­tle fuzzy on how it works/differs from 403b.
  3. I think Rick’s pre­sen­ta­tion cov­ered too many things. I hope thy are more focused and less info (Only one per­son said this).
  4. Info about credit unions/insurance.

4. What mate­r­ial and top­ics should be cov­ered in future invest­ment workshops?

       1. Three par­tic­i­pants men­tioned more in depth about mutual funds and the dif­fer­ence   between 403b and 457b.

      2.Two peo­ple wanted to know how much to save per month

  1. Two wanted hand­outs of Rick’s presentation.

 Sug­ges­tions for topics:

  1. ETFs
  2. Find­ing Fee Only finan­cial advisers
  3. Col­lege sav­ings plans, show more spe­cific exam­ples of how much I should be invest­ing every month.
  4. More case stud­ies of how indi­vid­ual teachers/investors have fared as a result of the deci­sions they’ve made.
  5. Move the podium to the side so we can see the presentation.
  6. Talk about the 457 vs. Roth IRA as an option.
  7. How to actu­ally enroll. I did, but I had to call.
  8. Exam­ples of portfolios
  9. More info on every typ­i­cal teacher-for exam­ple, not dwelling on accounts you should have.
  10. More info on mutual fund research and sug­gested read­ing. i.e. Bib­li­og­ra­phy or sources.
  11. Port­fo­lio selec­tion advice.
  12. Strate­gies and exam­ples of indi­vid­u­als with lower assets.
  13. Inter­net con­nec­tions so info is read­ily available.
  14. More on stocks, bonds and mutual funds.
  15. I would like to repeat this workshop.
  16. More detailed infor­ma­tion on late starters-how many (amount or %) to take out of pay­check, bal­anc­ing risk vs. age when start­ing invest­ing later in life.

Sug­ges­tions:

  1. How to get more teach­ers involved?
  2. Rick Rodgers/need PPT hand­outs and font on his PPT was too small.
  3. Some­thing sim­i­lar to bagels, but not refined flour, please.
  4. Share bud­get sheet, more breaks.
  5. Small chunks, this is heavy stuff, takes time to process.

 5. How did you hear about this workshop?

  1. Friend or Spouse                                                                    Two
  2. UTLA or LAUSD Staff Meet­ing announce­ment                       Nine
  3. Social Media (Face­book, LinkedIn, Twit­ter, other: ________ (Nobody picked SM)
  4. United Teacher News­pa­per Ad                                              Twenty-two
  5. Other (please elab­o­rate), use back of form if nec­es­sary.    Two from Emails from the Coordinator.

 

 

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