Late Bloomer Wealth

Late Bloomer Wealth

Dedicated to Helping K12 Teachers with their 403(b) & 457(b) plans.

Low Cost Investors

Nine Rules for Reducing Retirement Planning Costs

2 Comments / Consumer Finance, Frugal Habits, Low Cost Investors, PreK-12 Educators / By

One of the straightforward actions of saving costs on anything you purchase is looking at the price tag and price compare. Yet when it comes to investment costs, the “price tag” is difficult to locate and then what do you compare it with. Usually, the broker or financial adviser suggests alternatives. But the professional may have other priorities in mind such as getting their commission or slice of the pie from the investment expense. In this post, I provide 8 easy and one challenging rule that you can do right now to avoid getting into this predicament.

September 30 3rdQ, 2016 Portfolio YTD Returns

2 Comments / Beginning Investing, Do it yourself investors (DIY), Financial Education/Literacy, Investor, Low Cost Investors, Passive Investment Strategy, Retired Couples, Successful Wealth Building / By

The Stock and Bond Markets are up again in the third quarter of 2016. Read how my portfolio has returned 6.7% after nine months. It’s really not complicated because my portfolio is straightforward. It’s constructed to gain when the core asset classes increase and loses value when the market goes down.
Losing is an important part of investing process, if not the most important part. The majority of people don’t understand it because they sell when their investment declines. Never sell, unless it is part of your plan, not because of bear market conditions. Have a plan and stick with it during ups and downs.

Rebalancing My Life and My Portfolio

3 Comments / Beginning Investing, Low Cost Investors, Passive Investment Strategy / By

Is been over eight months since Dan died and while the hours and days are getting easier, I miss Dan every day. The single life remains an unfamiliar challenge. I am still thinking and feeling as a part of a couple—similar to losing a limb, the phantom pain is real. I am functioning just fine and carrying on with life as if nothing happened. But my grief is alive and painful just below the surface, 24/7. I am slowly “rebalancing” back to a single life, a life that I have not experienced since my 20s.

Steve and Dan’s Bond Decisions

1 Comment / Beginning Investing, Consumer Finance, Laymen to Laymen Financial Information, Low Cost Investors, Personal Finance, Retirement Planning / By

This Pie Chart is our Diversified Portfolio as of June 30, 2015 (Click directly on the Pie Chart to Enlarge it) An Experiential Insight Into Bonds: Maturity (long-term vs short-term) horizon, government vs. corporate, highly rated vs lower rated (risk of getting your money back) and their place in the portfolio. What are the riskiest bonds? …

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Top Personal Finance Blogs by Young and Highly Successful Do-It-Yourselfers

Leave a Comment / Beginning Investing, Consumer Finance, Frugal Habits, LAUSD Employees, Low Cost Investors, Passive Investment Strategy, Personal Finance, PreK-12 Educators, Retirement Planning / By

A Review for the Millennial Generation who Seek Financial Freedom: Mr. Money Mustache and White Coat Investor Have you ever thought of managing your own money without an expensive financial adviser? Or just needed somebody you can trust not to rip you off with commissions, and high advisory fees? If you have followed our blog here, that’s precisely what …

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Investing Basics, Final Part 4

Leave a Comment / Baby Boomer Investors, Beginning Investing, Consumer Finance, Do it yourself investors (DIY), Financial Education/Literacy, Gay Investors, Investor, Late Bloomer, Late Starters, LAUSD Employees, Laymen to Laymen Financial Information, Lesbian Investors, Low Cost Investors, Personal Finance, PreK-12 Educators, Retirement Planning, Women Investors / By

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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A Do-It-Yourself Investor’s Powerful Insight

Leave a Comment / Beginning Investing, Consumer Finance, Fee Only Fiduciary Financial Advisors, Fiduciary Standard, Financial Education/Literacy, Gay Investors, Investor, Laymen to Laymen Financial Information, Low Cost Investors, Passive Investment Strategy, Personal Finance, PreK-12 Educators, Retirement Planning / By

Dan and I joined this local professional organization. The Desert Business Association (DBA) serves 300 members who are mostly LGBT locally-owned businesses. Our book designer, Mark, and a fiduciary financial adviser, Bob, told us about the DBA mixers hosted by different members at their place of business. This gives members and chance to talk about …

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LAUSD’s Investment Workshop Employees’ Comments/Follow up

2 Comments / Beginning Investing, Consumer Finance, Fee Only Fiduciary Financial Advisors, Financial Education/Literacy, LAUSD Employees, Low Cost Investors, Personal Finance, PreK-12 Educators, Retirement Planning / By

Hi LAUSD Colleagues! Dan and I certainly hope you were as satisfied after attending last week’s investment workshops as our contented 13-year-old Korean Jindo mix, Sammy. The evaluation results showed you were! Thanks for coming! This was our fourth workshop as presenters. We were happy to see colleagues that I have worked with years ago looking so good. …

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