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Small business health insurance post-Obamacare

This is a question to small business owners: I am a partner in a small family business with less than 20 employees. For years we have paid 50% of employee's health care premiums through our health insurance. What is everyone doing with their plans that are all being adjusted to the new standards? Ou...
by Shireman28
Wed Jan 29, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small business health insurance post-Obamacare
Replies: 10
Views: 784

Re: Only after a 150% stock market rally in 4 years...

A. Unless you are buying actual bonds, why do you think you are locked into a 2% return now? If you buy a bond fund, you are reinvesting the income at higher rates if rates go up. And the bond fund buys new bonds at new rates as old ones mature B. If you can believe you can time the bond market, wh...
by Shireman28
Tue Feb 26, 2013 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12946

Re: Only after a 150% stock market rally in 4 years...

That's my issue. Right there. It isn't that I think a 90% stock portfolio is particularly wise. It's that I say to myself, "Self, what's the point of investing in something with a negative real return for the long term?" Might as well spend the "bond portion" of the portfolio no...
by Shireman28
Tue Feb 26, 2013 8:07 am
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12946

Re: Only after a 150% stock market rally in 4 years...

Perhaps we young investors know that US Treasuries at 2% aren't going to get us to retirement in real dollars in a country with a major aging demographic problem and long term debt issues.

I'll pass on loaning Uncle Sam money at 2%, thanks.
by Shireman28
Mon Feb 25, 2013 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12946

Re: Long term stock market risk

All of these examples seem to be for static portfolios, without ongoing contributions or withdrawals. If we consider a retirement period from which withdrawals must be made to cover living expenses then there is much more risk since market losses to that extent must be realized. Although most poste...
by Shireman28
Sun Feb 24, 2013 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Long term stock market risk
Replies: 51
Views: 4099

Re: *fired my advisor* need help with investments

I get what Clivus is saying, but borrowing adjustable rate money to invest a big chunk in bonds paying less than your "low cost of capital" and having interest rate risk on top of it seems really dumb. At a minimum, I'd rather call the giant mortgage your bond-like portion and invest that ...
by Shireman28
Sat Feb 16, 2013 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: *fired my advisor* need help with investments
Replies: 27
Views: 3059

Re: *fired my advisor* need help with investments

You have $725,000 adjustable rate mortgage. This is a 10K a month payment right now, could double if interest rates get back to median historical levels. You want to use this adjustable rate debt as leverage to invest for retirement, during a period when the stock market is at an all time high and b...
by Shireman28
Thu Feb 14, 2013 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: *fired my advisor* need help with investments
Replies: 27
Views: 3059

Re: How do things look to you young investors these days?

Well, I'm concerned about the demographics of the country - i.e. shrinking birth rates among my generation and the huge debt and bills coming due with the baby boomer retirements. [Political comments removed by admin LadyGeek] I'm less concerned about social issues. I get concerned that the use of t...
by Shireman28
Tue Feb 12, 2013 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 7092

Re: How do you find Mrs. Boglehead?

The poker room. She was a shark!
by Shireman28
Sat Feb 09, 2013 5:58 am
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 10478

Re: Whole Life Surrender & Pay Down Debt?

OP, I would surrender the whole life and pay down the debt. If you don't like that, what is in your portfolio you mention? Is it tax advantaged or taxable? Personally if it is all in taxable investments, subject to capital gains and dividend taxes, I would sell it too and pay down the mortgage. No n...
by Shireman28
Fri Feb 08, 2013 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Surrender & Pay Down Debt?
Replies: 57
Views: 3624

Re: Bondphopic's Challege

Also, the bond crash should be brutal as the Fed quits buying all those US Treasuries.
by Shireman28
Tue Jan 22, 2013 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Bondphopic's Challege
Replies: 41
Views: 1912

Re: Bondphopic's Challege

Ok give me:

50% a 1-YR CD AT 1%
50% Vanguard total world stock fund

I think bonds will fall, so this should be good enough.

--Jeff
by Shireman28
Tue Jan 22, 2013 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Bondphopic's Challege
Replies: 41
Views: 1912

Re: GM Volt

What I personally would like to see is a true "disruptive technology' that doesn't try to serve the same function as a traditional car. I'd like to see cheap all-electric cars that are intended to meet only local driving needs. For retirees who don't commute to work. Much better weather protec...
by Shireman28
Tue Sep 11, 2012 8:29 pm
 
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 13419

Re: Hardiboard vs. Composite Siding

Hardiboard doesn't work well in soffits, either. Would recommend aluminum.
by Shireman28
Fri Aug 31, 2012 6:35 am
 
Forum: Personal Consumer Issues
Topic: Hardiboard vs. Composite Siding
Replies: 22
Views: 8110

Re: Hardiboard vs. Composite Siding

Prefinished hardiboard didn't work well for me.

The house has major concrete sprawling issues 5 years after installation.

My lumber yard is now pushing Louisiana Pacific siding as a better option with a 30-year warranty.

--Jeff
by Shireman28
Fri Aug 31, 2012 6:33 am
 
Forum: Personal Consumer Issues
Topic: Hardiboard vs. Composite Siding
Replies: 22
Views: 8110

Re: Inheriting $200k.... what to do?

Take the money, pay off credit cards and student loans and make a monster principal payment on the house.

Also, spend $3k on a nice vacation and think well of Grandma while sipping a fruity drink at the swim-up bar in some all inclusive resort.
by Shireman28
Wed Aug 08, 2012 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inheriting $200k.... what to do?
Replies: 19
Views: 1984

Re: My first portfolio was a disaster! Is this one better?

You'll have to break my sword over your knee and drum me out of the organization, you grammar nits!
by Shireman28
Mon Jul 30, 2012 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: My first portfolio was a disaster! Is this one better?
Replies: 17
Views: 1854

Re: My first portfolio was a disaster! Is this one better?

I would invest in FDIC CDs then in taxable instead of bonds, no risk of loss of principle and when interest rates go back up and you can buy cheaper bonds later.
by Shireman28
Mon Jul 30, 2012 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: My first portfolio was a disaster! Is this one better?
Replies: 17
Views: 1854

Re: Visiting Louisville KY area

A lot of great caves in the area, Mammoth Cave and Marengo Cave come to mind.

The Kentucky Bourbon Trail is cool.

Lots of Museums in downtown Louisville on Main St.

Churchill Downs is a must see if they are racing.
by Shireman28
Mon Jul 30, 2012 8:59 am
 
Forum: Personal Consumer Issues
Topic: Visiting Louisville KY area
Replies: 5
Views: 536

Re: My first portfolio was a disaster! Is this one better?

It's your money, but 34% bonds at age 30 is too conservative for me, especially held in taxable.
by Shireman28
Mon Jul 30, 2012 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: My first portfolio was a disaster! Is this one better?
Replies: 17
Views: 1854

Re: Questions about my home energy audit

Speaking as a commerical contractor with an energy star-rated home: If you're only going to be in the house another decade , I think the only thing that will pay for itself is to add more insulation to the attic. I would recommend blowing-in more fiberglass or cellulose in the attic. Usually this ca...
by Shireman28
Thu Jul 26, 2012 5:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions about my home energy audit
Replies: 131
Views: 10304

Re: Help: Girlfriend's Dad Believes She Should Time the Mark

Get engaged before starting to dispense financial advise, would be my recommendation. Give her a investing book if she's a reader.

You're not losing much in the meantime.

Don't ever talk to the father about finances.

Life is short, keep the drama small.
by Shireman28
Sun Jul 22, 2012 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: Girlfriend's Dad Believes She Should Time the Market
Replies: 70
Views: 5527

Re: Should 81 Yr Old Cancel Life Insurance?

If you have 400K in retirement accounts other than your pension and SS, why not withdraw 100K and pay off the house and get rid of that expense. Surely the mortgage interest rate is higher than what bonds are paying you? I'd keep the insurance at this point but I'm no expert. I imagine mortality tab...
by Shireman28
Fri Jul 06, 2012 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 81 Yr Old Cancel Life Insurance?
Replies: 29
Views: 3243

Re: Late 80s EE savings bonds

Thanks everyone for the help!
by Shireman28
Mon Jul 02, 2012 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 80s EE savings bonds
Replies: 5
Views: 828

Late 80s EE savings bonds

I have 4 old $50 EE savings bonds from 87-90, birthday presents from my late Grandpa. I looked them up on the net, they're worth about $75 each. But Interestingly to me, it appeared they were earning 4% each according to the website. How does the interest work, and should I just keep them compared t...
by Shireman28
Mon Jul 02, 2012 6:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 80s EE savings bonds
Replies: 5
Views: 828

Re: Golf Simulators

See some on ebay at your price range.
by Shireman28
Thu May 03, 2012 10:03 am
 
Forum: Personal Consumer Issues
Topic: Golf Simulators
Replies: 5
Views: 485

Re: Indecisive Newbie: Rent or Buy a home?

Unless you're stealing a foreclosure for 60% of market price, I'd wait on buying the house.

It's better to rent a nice place and stay flexible until your life partner comes along. I did the opposite, and regret it.
by Shireman28
Thu May 03, 2012 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Indecisive Newbie: Rent or Buy a home?
Replies: 39
Views: 2334

Re: OK, I gotta ask... [why market up so much]

Supply and demand. More people want to invest money in the market than withdraw it it right now.
by Shireman28
Sat Feb 25, 2012 10:48 am
 
Forum: Investing - Theory, News & General
Topic: OK, I gotta ask... [why market up so much]
Replies: 49
Views: 4455

Re: Has Buffett changed anyones mind

I don't think Bonds are a good idea going forward at such low interest rates, seems like a small loser vs. inflation. Last fall we shifted our retirement accounts from Target 2020 31% Bonds to Target 2040 and 10% Bonds. The 10% should be enough for the re-balancing bonus and we have a 30 year invest...
by Shireman28
Fri Feb 10, 2012 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Has Buffett changed anyones mind
Replies: 65
Views: 4163

Re: Music Walk in Ft. Meyers, FL?

Go to the Manatee Park, it's warm water coming off a power plant so there are dozens of manatees hanging out in the winter. Pretty cool. I think it's free other than a couple bucks parking.
by Shireman28
Thu Dec 15, 2011 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Music Walk in Ft. Meyers, FL?
Replies: 4
Views: 498

BCS champ Alabama
Nebraska
Oklahoma
Notre Dame
West Virgnia
by Shireman28
Sat Aug 13, 2011 3:35 am
 
Forum: Personal Consumer Issues
Topic: Grandson of BCS
Replies: 487
Views: 32286

Why not pay off the house with taxable? It would be better than some bond funds.

(Because she'd just spend the mortgage payment, perhaps.)
by Shireman28
Sun Jul 24, 2011 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Challenge: Portfolio for Today and Tomorrow
Replies: 61
Views: 4245

We got married on the beach in a combo honeymoon/wedding. It cost $5,000. Her ring cost $6500. Shop around, and check out some reputable licensed pawn shops as well. More diamond for your buck. If you can do something similar, you'd have $25,000 left for your down payment. Maybe she'd like a house b...
by Shireman28
Tue Jun 28, 2011 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 28 y/o Needs Plan
Replies: 21
Views: 2303

I personally max out tax-advantaged Roths and my simple ira and then use the remaining money to pay down the mortgage. My wife and I can always withdraw the Roth money in an emergency, plus we have an emergency fund for liquidity, but I see no reason to let the government get a free ride on my divid...
by Shireman28
Fri May 13, 2011 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Are we stupid for paying extra on house?
Replies: 73
Views: 6452

Tax-exempt money market a losing place for emergency fund?

I just logged into my account for the first time in a while, and checked the yield on Vanguard's Tax Exempt money market fund, where I stash my emergency cash. It is 0.12% The expense ratio is 0.17%. I suppose this means I am paying Vanguard now to hold my money? (I was making something like 4% duri...
by Shireman28
Tue Apr 05, 2011 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt money market a losing place for emergency fund?
Replies: 5
Views: 876

Indiana has a property tax credit for homes with mortgages, similar to the homestead credit, so if you had an expensive home I guess this credit might make it worth holding a tiny mortgage.
by Shireman28
Thu Feb 03, 2011 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I need my mortgage for a tax deduction"
Replies: 44
Views: 5960

Go to a couple local coin shops.
by Shireman28
Mon Jan 17, 2011 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Best way to sell a gold coin?
Replies: 23
Views: 3411

If you made 3% on your 900K you have in your vacation condo, you'd have $27,000.

You could stay at the greatest luxury resorts anywhere in the world for that kind of money for a couple weeks. Plus no property taxes and insurance.

Seems like a no-brainer to sell it.
by Shireman28
Wed Jan 12, 2011 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my condo?
Replies: 20
Views: 1961

1228
by Shireman28
Wed Jan 05, 2011 11:03 am
 
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 28166

How is Buffett's bet of Index Funds against the Hedge Fund guys going?

(It would be hilarious if the Hedgies had a Madoff fund in their basket of Hedge Funds)
by Shireman28
Mon Dec 20, 2010 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett on Index Funds
Replies: 32
Views: 5853

My advice would be to take the taxable investments and pay down 37K on the mortgage on the house or farm, as long as you have an emergency fund of 6 months of expenses outside of this account. Bonds are so cheap so that risk-free 3-4% post tax credit or whatever seems good to me. Then: Roth (25K): V...
by Shireman28
Fri Nov 19, 2010 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: 25yr. Old With A Somewhat Unique Goal
Replies: 43
Views: 6233

Because of the new and forthcoming admiral shares I'd go to Total Stock Market and Total International to save a .3 % in fees.
by Shireman28
Fri Oct 22, 2010 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTWSX is roughly 38.9% US?
Replies: 10
Views: 2481

Re: Pay car off early?

Since my father was bent on getting the car in my name only we had the sales guy run the credit check just on me. When all was said and done I wound up with a 6-year 5.9% loan (horrible, I know). This was the only way I could afford the monthly payments in addition to my upcoming rent payments as I...
by Shireman28
Wed Oct 20, 2010 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay car off early?
Replies: 12
Views: 1914

Take up small stakes Poker
by Shireman28
Mon Oct 18, 2010 11:20 am
 
Forum: Personal Consumer Issues
Topic: Early Retirement: Am I Losing My Mind?
Replies: 43
Views: 6693

I pay them at the same time so I don't lose/forget about the Feb. slip and wake up one day to a sheriff's sale on my lawn.
by Shireman28
Mon Oct 18, 2010 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefit to paying property taxes in 1 installment?
Replies: 10
Views: 2095

OP says his brother is blind, but the advice so far implies that he is mentally disabled. All we're told is that he's not good with money. If we're talking about a 40 year old of average intelligence and ability (minus sight) he should just need some advice and education, regarding the investment a...
by Shireman28
Mon Oct 18, 2010 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Brother just got a disability check for 450,000...what to do
Replies: 23
Views: 3810

At age 31, I don't count on social security as I hope to have enough in retirement assets to be disqualified by some government flunky since previous generations have saddled me with government debt. Previous generations, eh? Seems to me that a lot of that debt was built up in just the last 10 year...
by Shireman28
Mon Oct 18, 2010 8:20 am
 
Forum: Investing - Theory, News & General
Topic: what are you shooting for in your retirement plan?
Replies: 66
Views: 7197

At age 31, I don't count on social security as I hope to have enough in retirement assets to be disqualified by some government flunky since previous generations have saddled me with government debt. Otherwise, I'll just keeping maxing out what tax-advantaged accounts I can and pay off the house, a...
by Shireman28
Mon Oct 18, 2010 8:16 am
 
Forum: Investing - Theory, News & General
Topic: what are you shooting for in your retirement plan?
Replies: 66
Views: 7197

At age 31, I don't count on social security as I hope to have enough in retirement assets to be disqualified by some government flunky since previous generations have saddled me with government debt. Otherwise, I'll just keeping maxing out what tax-advantaged accounts I can and pay off the house, an...
by Shireman28
Fri Oct 15, 2010 9:21 am
 
Forum: Investing - Theory, News & General
Topic: what are you shooting for in your retirement plan?
Replies: 66
Views: 7197

Does Rick Ferri have a new estimate posted somewhere on various asset classes? I enjoyed that in All About Asset Allocation.
by Shireman28
Fri Oct 15, 2010 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Stock market return 5 percent real going forward???
Replies: 48
Views: 5466
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