Late Bloomer Wealth

Late Bloomer

Investing Basics, Final Part 4

Part 4: Putting It All Together In Part I we discussed what to ignore in the enormous and complex financial industry and what to focus on–stocks and bonds. The proverbial “needle” in the “needle in the haystack” is found easily. Knowledge of ignoring the financial world ‘s “haystack” is the trick to finding the needle. …

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Female investors outperformed males for 2014!

Both Sexes Could Learn from Each Other About the Investing Process Dan and I love reports that show the gradual and incremental commitment to wealth building produces higher returns than the get rich, competitive, short-term “success.” For now, this report, once again, shows that thinking long term is best displayed by female investors. Males trade …

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Los Angeles Unified School District 457(b) Plan Design Award!

During the summer of 2014, the Los Angeles Unified School District won a Plan Design award for its low-cost, broadly diversified offerings of the 457(b) plan. This table shows the investment choices and the total costs (table updated January 2017).   To discover and learn more about this plan, watch this 10-minute video interview. Sandy …

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Los Angeles Unified/Teachers Union Investment Planning Workshop November 15

Another great 403b/457b workshop is scheduled for Saturday, November 15 at United Teachers Los Angeles Headquarters. It’s another all day event with several presenters including Dan and I with light breakfast and FREE LUNCH! Dan and I will show and discuss what we did to plan for our retirement as teachers. We will also discuss …

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Retired teacher worries about running out of money & other tidbits

A former teacher worries about running out of money in retirement. Don’t we all? Look for this article in the Business Section of the LA Times this Sunday, September 28: Click here. Other tidbits in the investment world Some California Teachers wonder about Pension2 changes: If you are investing in Pension2, you have gotten a …

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Money Roundup: Portfolio Evaluation, CA couple saved 1.5M under 40 w/ 2 kids! & other tid bits.

Portfolio Evaluation Anybody? Listen to my friend Ron DeLegge of the Index Investing Show evaluate a listener’s portfolio. Ron just did his weekly Portfolio Report Card on a $95,0000 retirement portfolio for Charles – a farmer, in Sweetwater, OK.  If you want your portfolio evaluated, send your request to Ron and he will do it …

Money Roundup: Portfolio Evaluation, CA couple saved 1.5M under 40 w/ 2 kids! & other tid bits. Read More »

John Bogle Says….

The future of the financial system will be smaller, leaner, low-cost, and less complex (thank goodness!).  Currently, the vast majority of retirement plans (403b, 401k, 457b*) are big, fat, high-cost and way too complex. Retirement planning should be about as difficult to discover and learn as our first day on the job. For teachers it …

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Free ebook, Calculators and another reference to connect with fee-only financial advisers

Stock Market Reaching New Highs! Isn’t the stock market going crazy! Our portfolio has made up about a 30% of the cost of purchasing our new Tesla electric car since we bought it two months ago. That’s how wealth building works with investments that grow with the economy (annuities don’t). If the market continues to …

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Introduction to a new proposed Book

Subtitle: Educators Challenged Tax-sheltered Annuities and WIN! Notice to readers. These chapters are an early version of this book without the 17 appendices, glossary, financial pod casts and other information in the 2nd half of the book. For the finished and completed published book, go to the home page and obtain the free pdf, click …

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UTLA/LAUSD 403b/457b Investment Workshops-Sat. April 26

Dan and I will be presenting for the third time! Come and enjoy the information from all the presenters with lite breakfast and lunch included for $5.00. We will be giving away information about evaluating financial advisers, fiduciary responsibility definition and the oath and the list of all LAUSD 403b/457b options.

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