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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

For those of you out there that have a high Deductible health plan, what are your premiums, average out of pocket expenses, cost to go to the doctor and any other relevant costs. Unfortunately where I live in New York, High Deductible health plans with Health savings accounts are not legal to...

Down a little Well according to my excel spread sheet I'm down 3.22% since my all time high on 6/01/07. Down 1.89% since the first of the year. This includes all expenditures and any revenue from part-time work. I have a 40/60 AA. 40% equities 60% fixed. Does not include housing which I have no...

Billary and Health Care While Billary seems to be promising everyone in the country health care of one form or another, in New York State an individual can still not purchase an HSA and HDHP as it is against the law. Seems she and Schumer feel that these plans, which have the potential to slash...

I can't believe anyone would support Billary or Obama Well as one of the long suffering New Yorkers, I can't think of one thing that Hillary has done for Upstate NY. She went into office 8 years ago promising 200,000 new jobs. Instead we have a net loss of 30,000. The manufacturing segment of...

I use a Heloc We budget for everything. But as you all know there are unexpected expenses, so if they are large enough we have a heloc to tap for large expenses. Last year our fridge and dishwasher died but we just paid it out of normal expenses. If it's something larger we may have to hit the...

Can't feel sorry I can't feel soory for any of the idiots featured in the article. The one guy said his goal was to get out before it reset. He didn't and now because of his greed I should feel sorry? The lady in North Las Vegas should have known better than to have a loan with a less than...

Go to 72t On the net they explain the process very well and have calculators and sample documentation sheets.;D

Over Budget Spent 76,299 including everything. Budget was 66280. I track everything in Excell daily. It only takes a few minutes. To many catagories to list :o

No Way On 30k Dawg, no health problems, just the problem of living in NY. HDHP with HSA's are not available to individuals living in NY. THEY say there is no demand for them but that is because it is illegal to sell them. The politicians must get off the dime and start working for the citizens...

No Way On 30k Well I thought I could easily retire on 36K for me and the wife. Then reality set in. 2008 Health Insurance 1642.10 /month. Mortgage 700/ month brings the total to around 28K. Taxes around 4400. Electric and phone around 200/month. This bring the total to around 35k fixed costs...