Recent content by Allegany

Well we took the plunge. The wife and I decided to close out our 401k's and move it to two rollover IRA's at Vanguard. The process was very smooth and the people were very helpful. We decided to move from TRP because of the expense ratio. The funds available in our 401k's had expense ratio's of...

I have a 401 k at TRP and I'm thinking of moving it to an IRA at Vanguard. I live in NY and was wondering what the laws are if you should get sued. I've heard that a 401k cannot be touched as part of a settlement but that an IRA is fair game. Does anyone have any insite on this. If I move the...

Thanks for your input. I signed up for VWINX. Looks like it will be good for me. Thanks everyone

Vangard Help Thanks for the replies. I don't have much of an understanding for the Vangard Funds . I've been mostly in TRP. Sounds like any of the suggested funds would suit my needs. Are there any more that anyone else is using that are relatively safe? Thanks

My wife and I are about to open 2012 Roth IRA's at Vangard. This is our first investments at Vangard. We have other investments at TRP. I am looking for advice on which funds to use for this purpose. We are 59 and both still working. We have other investments and are looking at retiring in a few...

Budget Spent $16,411 less than the spread sheet budget amount

Forget about affordable health insurance in western NY See my reply to you other post

Ridiculous Health Insurance costs Well in NY, the only state that doesn't allow individuals to pruchase High Deductible Health plans, you can expect to pay over 1600 a month for 2 person coverage. Single coverage is slightly cheaper. Unfortunately I was forced to return to work just to get...

OOPS Started at 5% Well I started at 5% of portfolio at 54.5. Now going to be 56 and due to the market I'm at about 6% of portfolio. Since I'm doing a 72t withdrawal I'm locked in to this amount and am waiting for the market to return to hopefully get my withdrawal rate back down closer to the...

Simple IRA Martha, here is my question. I fully funded my 2009 Roth IRA as I'm anticipating making more than the maximum which for over 50's is $6,000. One of my employers, I work two part-time jobs, is considering starting a Simple IRA program for the company. What is the limit that I can...

Martha, that is for two person coverage.

WOW Just got the bill for January 2009. Insurance up 20% for third or fourth year in a row. Went from over 1600 to over 1900/month. In New york health insurance is strictly regulated and HDP and HSA's and not available for individuals. Heading back to work to get coverage. It's been a good...

I don't know if it is specific to my 401k or not the notice came from TRP.

TRP is changing their target retirement funds such as 2010, 2020 and so forth to retirement trusts with the same target retirement years. Anyone else heard of this? Supposedly the retirement trust will have a lower expense ratio from .63 to .45. That's good news but I'm wondering if I should get...

Thanks Thanks to all who have replied. Are there any more people with these plans? Allegany ;D