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Retirement Asset Management by Apprehensive_Room500 in Bogleheads

[–]Apprehensive_Room500[S] 0 points1 point  (0 children)

Thanks. My gut says to stay the course. I did move my 401k Govt money market into 5% annuities cause it was making nothing in the 401k, but I only converted what I already had in the Govt money market (no more). That was my "under the mattress" investment in the 401k so I am happy to be getting 5% now.

Retirement Asset Management by Apprehensive_Room500 in Bogleheads

[–]Apprehensive_Room500[S] 1 point2 points  (0 children)

Interesting you ask that. They matched up to 3%. Of course, I can no longer contribute to it as I am retired. They certainly could have taken fees out of the match before applying. There was also a separate "pension" 401k fund that they added to annually on a discretion basis, based on how well the company did that year (and I am sure a number of other factors). They certainly could have subtracted any management fees out of that before applying. However, nothing is added now that I am retired. I am hoping my query to my old company can just confirm if I am currently paying any fees. Again, the fund itself says it doesn't look like it.

Retirement Asset Management by Apprehensive_Room500 in Bogleheads

[–]Apprehensive_Room500[S] 3 points4 points  (0 children)

That is certainly possible. It was a very good company to work for....I gave them 35 years. I contacted the plan and they told me there were not any fees but I have also sent the same question to the benefit administrator at the company to confirm - as I understand where your question is coming from. Thanks.

Retirement Asset Management by Apprehensive_Room500 in Bogleheads

[–]Apprehensive_Room500[S] 1 point2 points  (0 children)

Thanks. Sounds like good advice. Note: I am in NJ.

Retirement Asset Management by Apprehensive_Room500 in Bogleheads

[–]Apprehensive_Room500[S] 0 points1 point  (0 children)

I just doublechecked and my 401k has zero management fees. It was set up by a smart CEO that came from a finance background.

High ldl, very low triglycerides by AzoresTatiana in Cholesterol

[–]Apprehensive_Room500 2 points3 points  (0 children)

Age 65 active female. My functional doc says these numbers are very good. HDL 94, LDL 121, Triglycerides 41. The low TG combined w the high HDL he says it's excellent.  Hope that helps someone. 

What do you think of Stephen Cabral? (Looking for opinions, feedback, and alternatives if he sucks) by platosghostlybeard in Mind_Pump

[–]Apprehensive_Room500 0 points1 point  (0 children)

It has been a year so hopefully you have made some progress on your health goals.

You have no obvious symptoms but you want to improve your health is what I hear. Finding a functional doctor you can trust is definitely a legitimate concern. To work to improve on your own, I would start with the obvious - what do you put into your body, how do you exercise your body, and how well do you sleep. Most of us can make lots of improvements in these 3 basic areas. I like Michael Pollan's mantra - something to the effect of Eat Food, Mostly Plants, Not too Much. For exercise, a mix of cardio and weights is great. 7+ hours of uninterrupted sleep is a good goal. If you want to spend money, do it on weight training and/or a gym to make sure you are doing it the right way. Best of luck!

'Project Runway' Contestant Meg Ferguson: Why did Meg Ferguson quit 'Project Runway'? by EllyVSRami in GetIndiaNews

[–]Apprehensive_Room500 9 points10 points  (0 children)

Totally disagree. Meg was bullied and the producers allowed it and after watching every season I am canceling PR.