Late Bloomer Wealth

Steve Schullo, PhD

Starting young can be the succor for your retirement

Starting young can be the succor for your retirement by Guest Author Martha Jackson Saving from an early age is important. Why do so few actually start young? In the 20s you stay occupied mostly with your life, your studies and your career. You hardly seem to have any time left for financial planning. Thus you must …

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Chapter 4: TIAA CREF Signs LAUSD’s Hold Harmless Agreement!

ATTENTION Read­ers: This chap­ter is an early ver­sion of my new book just released, March, 2015. For an update of all the Chap­ters includ­ing this Chap­ter 4, go to the home page and scroll down. On the right are direc­tions to get the full story in 11 Chap­ters and 17 appen­dices, resources, let­ters, books, pod­casts …

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Twentysomething’s Personal Finance Plan by a Twentysomething Guest Author

Change is the only constant way of life – Avert the pangs of money mistakes during your 20s by Guest Author Martha Jackson When you’re in your 20s, you’re probably graduating from high school, settling down with your career and standing on the threshold of making some major life decisions. While you’re busy thinking who …

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“National Save for Retirement Week” Open Letter to LAUSD school district Board of Education and Superintendent

     Crystal Mendez, Teacher LAUSD    Brad Rumble, Principal LAUSD September 7, 2013 Los Angeles Unified School District Board Members and Superintendent The Los Angeles Unified School District’s Board of Education will proclaim “National Save for Retirement Week,” on October 20th-26th for the seventh year. Many reports show the dire need of Americans to …

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Chapter 3: 403b Aware: Self-Help was Born

403b Aware: 403b Self-Help Group was Born 1998-2002 Chapter 3 A Self-Help Group was Born 1998-2002 NOTICE TO READERS! This chapter 3 is an early version of my book, “Fighting Powerful Interests.” For the finished and completed published book, go to the home page and obtain the free pdf. (Click here and scroll down. Subscribe …

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Chapter 2: The Decades Old 403b Silence is Broken

NOTICE TO READERS! This chapter 2 is an early version of my book, “Fighting Powerful Interests.” For the finished and completed published book, go to the home page and obtain the free pdf. (Click here and scroll down. Subscribe to our blog and download the book!  Chapter 2 …the tragedy begins, not when there is …

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Los Angeles USD 403b/457b Retirement Investment Advisory Committee Meeting Agenda and Proposed Motions

Update August 19, 2013 All of my motions were tabled. We ran out of time. We did discuss Crystal Mendez and all were in agreement that she and other LAUSD employers should be recognized too. This will be part of a larger marketing campaign to get the word out that LAUSD has one of the lowest costs plan …

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Noise at Our Birthday Dinner

Stay Balanced—Ignore the Noise Dan and I and another gay couple celebrate July birthdays. We take the opportunity to have a splendid dinner, great conversation and rein in four free desserts! We scarcely sat down when our friend Bob complained to the waiter about the noise from ten drinking patrons at the adjacent table, two …

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“Simple but not easy to do.” Wise investing words from John Bogle

          John Bogle is the Fiduciary’s fiduciary. Listen to his 90 second advice to financial advisers (and for us customers too). Powerful stuff: http://www.investmentnews.com/section/video?playerType=Events&eventID=Morningstar2013&bctid=2498789058001&date=20130621  

Yahoo Finance Message to Gen-Xer’s–Take Heart

Click for article: http://finance.yahoo.com/news/first-person-expect-bloomer-millionaire-220600304.html I think Dan and I have a lot to say to any generation who thinks they started too late and lost a bundle of their retirement nest egg in a bear market. You are not alone. For Generation Xers (born 1966 – 79). The article addressed important topics: 1. Controlling debt …

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