Tiger1414

Hmm. I'd pay 100k on mortgage or down payment for a new home. 50k for each kid in a 529. 50k in a high yield savings account to supplement an existing emergency fund. That leaves 200k. With that, I'd save 100k for down payments for 3 single family rental homes. I'd put the last 100k into starting a business or into low cost mutual funds. :usa:

It would be better to water at 6am so that the plant has the rest of the day to dry out. If you water late, the plant will sit wet all night. Good mix for rot and disease. Also, if established, you don't need to water much. Only in dry spells.

Shepard88- This is interesting. I will look further into it later this year. I could probably ask payroll to see if this is a big deal to switch. Certainly don't want to rock the boat or seem ungrateful.

My office has a Simple IRA offered through Ameriprise. After digging a little deeper into the fees, they quoted 5.75% at each time of purchase of a fund, then the fund charges a 1% fee (I assume annually).

I contribute up to the office match. I've managed my own ROTH through Vanguard for the past 15 years. I'm not an expert, but also not a newbie. Has anyone had dealings with this company? Are there any options to get lower fees with them? Is there such a thing as breaking off from their management and going rogue through Vanguard? Or, since this is offered through my employer, am I basically tethered to the management firm of their choice?

It just seems wrong to give up a year's worth of gains just to buy a fund. TIA.

Agreed, love this guy. Always seemed to be explosive on his very limited carries. I hope that coaches can find a role for him.

AAPL back in 2005,... rode SDRL all the way down.

Can 529 funds go to private school- middle school and high school? For some reason, I thought that some states legislated this option, but Louisiana did not.

Yes! I took my 73 year old father to the game, and the horrible rap music was blaring. He was miserable. I was too.

Target Retirement Fund is the easiest. You could set an automatic draft weekly or monthly in order to average out your buy costs. After you learn a bit more about the different funds, you can sell a bit of the target retirement fund to buy other funds. Usually minimum buy prices are $3,000 for the first purchase. Low cost index funds are popular.

Read through the Vanguard Threads and go to the Vanguard site. There are descriptions for each fund. You are asking about asset allocation, and that is a big question, and everyone probably has a different answer. But, the Target Retirement Funds are a good way to start. You could also leave some money in a money market fund so that you have some money to buy other funds when you have enough saved.

Capital One 360 has a 1.1% money market rate, and CDs for 24 months at 1.6%. I think the penalty for pulling the money out early is six months interest. The account is very easy to set up. I am also concerned about the market being high, but I'm no professional...

I have part of my emergency fund in 60 month CDs (2.1%). I broke the investments into $2,500 intervals. I can still get a decent rate, and if I need the money, the penalty is only six months interest. And, I have the option of only cashing out at $2500 intervals. Again, i'm no professional. :cheers: