Search found 318 matches

by fourwedge
Wed Aug 16, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 23690

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Ridiculous, to see political correctness come to investing. I want to own the market!!!!!!
by fourwedge
Tue Jul 11, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4998

Re: Dave Ramsey's advice on investing?

I actually followed Dave Ramsey's advice and got out of debt. It was actually a google search for Dave Ramsey investing advice that brought up a topic from BH forum. That is how I found the BH's. Dave's advice has changed the path my life was on. Went from in debt with a mortgage to no debt of any k...
by fourwedge
Thu Jun 22, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Family Business changing, choosing a new retirement plan
Replies: 7
Views: 735

Re: Family Business changing, choosing a new retirement plan

First, if I may ask, why did you switch from a sole proprietor to an LLC? An LLC is often a complication that is not really necessary. We started the LLC to protect our personal assets from lawsuits against our business. The reason I asked this is that the liability protections of an LLC are often ...
by fourwedge
Tue Jun 20, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Family Business changing, choosing a new retirement plan
Replies: 7
Views: 735

Re: Family Business changing, choosing a new retirement plan

A simple plan would probably be best for you. Then you can choose to match a percentage of what your employees put in. A SEP plan you have to give your employees the same percentage as you give yourself. So if you want to put 10% away for you then you have to give the employees 10%. With a simple p...
by fourwedge
Tue Jun 20, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Family Business changing, choosing a new retirement plan
Replies: 7
Views: 735

Re: Family Business changing, choosing a new retirement plan

First, if I may ask, why did you switch from a sole proprietor to an LLC? An LLC is often a complication that is not really necessary. A SEP IRA is usually the least advantageous for a small business with just two employees, because you generally must make the same percentage contribution for all e...
by fourwedge
Mon Jun 19, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Family Business changing, choosing a new retirement plan
Replies: 7
Views: 735

Family Business changing, choosing a new retirement plan

My wife's and I's business recently changed from a Sole Proprietorship to an LLC. We are also taken on 2 employees. The first 2 years of our business we had a solo 401k (at VG). Since we can no longer contribute to the Solo 401k we need a new plan. We want to offer a retirement plan for our employee...
by fourwedge
Fri Jun 16, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17771

Re: Poll: 401K Match

My employer matches 50% up to first 6% you put in...vested over 5 years (20% per year). Lots of Vanguard funds available.
by fourwedge
Fri Jun 02, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Bitcoin knockoff
Replies: 19
Views: 2539

Re: Bitcoin knockoff

A friend of mine is a "coin Miner". He is searching for these different currencies. He says there are over 700 different ones now. None for me thanks
by fourwedge
Wed May 31, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for emergency fund?
Replies: 21
Views: 3564

Re: Best Vanguard fund for emergency fund?

I only keep my Emergency Fund in the Bank for immediate access.
by fourwedge
Tue Mar 21, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 11721

Re: Anyone else taking less risk

Nope, staying the same. I by 90% stock and 10% bonds with every purchase and will continue.
by fourwedge
Tue Mar 14, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: Thinking of transferring IRA to Vanguard? How it went for us.
Replies: 17
Views: 2950

Re: Thinking of transferring IRA to Vanguard? How it went for us.

I too have never had anything but a positive experience with VG.
by fourwedge
Mon Mar 06, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 20922

Re: Betterment just raised their costs.

Earl Lemongrab wrote:
fourwedge wrote:I'm so glad I just stayed the course and left it all in the same funds at VG.

Did you harvest tax losses? If not, then (as they say) You Paid Too Much!


I don't have any losses
by fourwedge
Mon Mar 06, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 20922

Re: Betterment just raised their costs.

I'm so glad I just stayed the course and left it all in the same funds at VG.
by fourwedge
Sat Mar 04, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Making a big bet and borrowing from 401K
Replies: 31
Views: 3235

Re: Making a big bet and borrowing from 401K

haha, Thanks for loosing us all up!!! :sharebeer
by fourwedge
Sat Mar 04, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Making a big bet and borrowing from 401K
Replies: 31
Views: 3235

Re: Making a big bet and borrowing from 401K

there is a 7 red... you mean 7 straight up...That pays 35 to 1 and has a 2.46% chance of hitting. There is no 7 black. You must mean black. As mentioned, it isn't 50/50. There are 2 green numbers (0/00). The true odds of hitting black is 47.37%. Both of these bets have a house edge of 5.26%. This is...
by fourwedge
Sat Feb 25, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 50
Views: 3987

Re: Please vote on the wisest decision

BogleMelon wrote:
aristotelian wrote:Can't you do Roth and 401k?

I can, but can't maximize both of them, may be after I am done saving for my first home down payment..


1st max roth at VG for cheap
then max 401K with 100% stock

Having it saved, tax sheltered and 100% stock is better then not saving it and sheltering it at all.
by fourwedge
Sat Feb 25, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4775

Re: Why not hedge using futures?

No way, too risky!!! Buy and hold, then buy some more! So do you simply stop buying if you are trying to "rebalance" or just let equities drop in value to get you back in balance? I'm not really sure about how buying more helps in a scenario where you are 100% stocks. If someone is 100% s...
by fourwedge
Fri Feb 24, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4775

Re: Why not hedge using futures?

No way, too risky!!!


Buy and hold, then buy some more!
by fourwedge
Thu Feb 23, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 49
Views: 9965

Re: How to Rebalance with Rate Hikes Looming

Sell all of your bonds right before the rate hike and buy them all back after the rate hikes are done.

Or just try not market timing at all.
by fourwedge
Fri Feb 17, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Just made 2017 IRA contributions... so relaxing!
Replies: 7
Views: 1233

Re: Just made 2017 IRA contributions... so relaxing!

well done! yes it is a freeing feeling. Now max out the 401K and the rest of your options. HaHa
by fourwedge
Thu Feb 16, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 6184

Re: Please list value funds you currently use

livesoft wrote:
fourwedge wrote:Domestic small: VTIAX

I LOVE the typo. :)

Haha, Thanks livesoft
by fourwedge
Thu Feb 16, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 6184

Re: Please list value funds you currently use

Domestic small: VSIAX

International small: DISVX

Emerging: DFCEX
by fourwedge
Wed Feb 15, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Re-Balancing
Replies: 4
Views: 557

Re: First Time Re-Balancing

I believe you are still close enough. You should look to be off at least 5% in any category before moving any money around.
by fourwedge
Sat Feb 11, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Wondering about the 7.5% return investment ad on Dave Ramsey
Replies: 30
Views: 11257

Re: Wondering about the 7.5% return investment ad on Dave Ramsey

I heard about this safe money ad from a paid infomercial. It had nothing to do with Dave Ramsey.
by fourwedge
Thu Feb 09, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: College endowments: Houghton beats Harvard
Replies: 2
Views: 524

Re: College endowments: Houghton beats Harvard

We had previous threads on how poorly certain actively managed endowment funds did in fiscal 2016. This NYT article explains how tiny Houghton College did quite well, although their fiscal year is three months later than Harvard's. To be suspenseful, I'm not telling their secret here... m Great exa...
by fourwedge
Sat Feb 04, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: 100k- to invest or put toward mortgage?
Replies: 20
Views: 3733

Re: 100k- to invest or put toward mortgage?

I found myself making a similar choice. My wife and I paid off the mortgage as fast as possible. We now throw every available $ at investing. We paid cash for cars and our business. We really like the freedom that being debt free give us. Our nest egg is growing like crazy maxing out all investment ...
by fourwedge
Tue Jan 31, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 4373

Re: Stocks Down - My Fault

I'm buying on the 1st whether they are up or down. I love not giving a crap.
by fourwedge
Tue Jan 31, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 4033

Re: Are you changing your AA based on current events?

No changes here, the economy is improving and even if it wasn't I wouldn't change my AA. I buy more all the time. Keep going!
by fourwedge
Fri Jan 27, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: What do you include in your asset allocation calculations?
Replies: 43
Views: 4467

Re: What do you include in your asset allocation calculations?

Only investments that I hold. I don't count SS, 529, or HSA.
by fourwedge
Fri Jan 27, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 32
Views: 2434

Re: Warning: Max out 401k early - lose some of the match

same here, I max out to stay just below. I usually get within $20 of the 18K and spread it out over every pay period to make sure they match every pay period.
by fourwedge
Tue Jan 24, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4181

Re: Why is Slicing/Dicing not Working?

my slice and dice was up 13.5% last year... no problem.

Why have commodities at all?
by fourwedge
Fri Jan 13, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 66
Views: 9927

Re: What to consider while purchasing an existing business?

Not signing a non-compete is an obvious red flag and deal breaker. If she is agreeing to it anyway, why wouldnt she sign?? I would assume if she decides she hates being someone's employee, and when she sees from the inside exactly how to run a business successfully, she will have no barrier to sett...
by fourwedge
Thu Jan 12, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 66
Views: 9927

Re: What to consider while purchasing an existing business?

Yea, actually her sister in law. Her brother is married to her....crazy!!!
by fourwedge
Thu Jan 12, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 66
Views: 9927

Re: What to consider while purchasing an existing business?

Interesting thread! I was getting really worried about the crazy woman staying on as an employee and no one cautioning against it. That would have been a nightmare and enough reason to walk away. But it has turned out quite well. Congratulations to you and especially your wife on successful entrepr...
by fourwedge
Thu Jan 12, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 66
Views: 9927

Re: What to consider while purchasing an existing business?

Keep it up! Just want to add one thing, please don't neglect your online presence. Definitely be up to date on Yelp with basic info like hours and phone number and try to get some good 5 star reviews. You might even want to get a Facebook page/Instagram account, if you're feeling ambitious. So far ...
by fourwedge
Thu Jan 12, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 66
Views: 9927

Re: What to consider while purchasing an existing business?

Just posting an update. My wife and I have owned the business for 18 months now. Our business is slightly slower then the original business we looked at but we paid 30K instead of the 50K for the original. Business has grown at about 18% (total sales) YOY. That is pretty good but still getting bette...
by fourwedge
Sun Oct 30, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 9122

Re: How much international?

My wife and I are 46/34

We are 40% international
by fourwedge
Sun Oct 02, 2016 7:11 pm
Forum: Investing - Theory, News & General
Topic: SS as a Bond
Replies: 46
Views: 4408

Re: SS as a Bond

(Rhetorical) How do I rebalance SS with stocks, during a downturn? Do I sell part of my future SS payments on some shady market* to raise the cash to buy stocks? * As far as I know, it's illegal to trade one's SS income stream. I could be wrong. This exactly, I've never understood why someone would...
by fourwedge
Sat Jun 18, 2016 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: When to exit cash and embark upon Target Retirement Fund "set it and forget" strategy
Replies: 34
Views: 4046

Re: When to exit cash and embark upon Target Retirement Fund "set it and forget" strategy

You say you have realized you can't time the market. So I would suggest not waiting for a pull back which is exactly what market timing is....

Put it in as soon as you can and forget it.
by fourwedge
Mon May 23, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Whole Life using your RMD
Replies: 28
Views: 2877

Re: Buying Whole Life using your RMD

Whole life is a terrible product. Why would you spend tons more money instead of just buying level term insurance? You can use the money you saved to buy something else worthwhile. Those guys must sell whole life insurance..... That is my guess. I'm not selling the product, I'm just relaying what w...
by fourwedge
Sun May 22, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Whole Life using your RMD
Replies: 28
Views: 2877

Re: Buying Whole Life using your RMD

Whole life is a terrible product. Why would you spend tons more money instead of just buying level term insurance? You can use the money you saved to buy something else worthwhile.

Those guys must sell whole life insurance..... That is my guess.
by fourwedge
Mon May 16, 2016 5:04 pm
Forum: Investing - Theory, News & General
Topic: The inventor of the 401(k) says he created a ‘monster’
Replies: 28
Views: 5718

Re: The inventor of the 401(k) says he created a ‘monster’

I can't imagine only being able to put away 5500 in a tax sheltered vehicle. My company has an outstanding 401k with cheap vanguard funds. I max it out.
by fourwedge
Sun May 08, 2016 10:33 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 9728

Re: How many funds in your portfolio?

I have 7: Vanguard Total Stock Mkt Idx Adm VTSAX 37.02% Vanguard Small Cap Value Index Admiral VSIAX 15.88% Vanguard Total Intl Stock Index Admiral VTIAX 17.61% Vanguard Total Bond Market Index Adm VBTLX 11.61% DFA International Small Cap Value I DISVX 8% DFA Emerging Markets Core Equity I DFCEX 7.2...
by fourwedge
Mon Apr 04, 2016 12:47 am
Forum: Investing - Theory, News & General
Topic: How many basis points matter to you?
Replies: 36
Views: 3300

Re: Basis Point Differences

. You might want to look at the page linked below on Vanguard's site. It has a bar chart that allows you to see the effects of varying expense ratios from 0.00% to 3.00%. Although it appears to sometimes jumps by two basis points instead of one, it still gives many possible choices. Slide your curs...
by fourwedge
Thu Mar 24, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story
Replies: 55
Views: 14009

Re: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story

Dave's understanding of the human psyche informs his debt-payoff plan. For this, I think he is brilliant. I recommend him strongly. Dave's advice regarding investment seems to be an attempt to strongly motivate people to invest. A 12% compounded return is very enticing. Perhaps because he has a mis...
by fourwedge
Mon Mar 21, 2016 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Lazy portfolio - Mutual funds or ETFs?
Replies: 46
Views: 6730

Re: Lazy portfolio - Mutual funds or ETFs?

I only use Mutual Funds because I love to have Automatic Investments set up on a calendar schedule. This isn't an option with ETF's.
by fourwedge
Sun Mar 06, 2016 10:12 pm
Forum: Investing - Theory, News & General
Topic: Poll: Active Funds in Which You Invest
Replies: 76
Views: 6555

Re: Poll: Active Funds in Which You Invest

Only 2.......both in my 401k

Dfcex. DFA EMERGING MARKETS. and
DISVX. DFA int small value
by fourwedge
Sat Mar 05, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA for contractor job?
Replies: 5
Views: 939

Re: Side Job income

Sounds like a great plan! well done!