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fourwedge

Ridiculous, to see political correctness come to investing. I want to own the market!!!!!!

fourwedge

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...

fourwedge

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 ...

fourwedge

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...

fourwedge

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...

fourwedge

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...

fourwedge

My employer matches 50% up to first 6% you put in...vested over 5 years (20% per year). Lots of Vanguard funds available.

fourwedge

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

fourwedge

I only keep my Emergency Fund in the Bank for immediate access.

fourwedge

Nope, staying the same. I by 90% stock and 10% bonds with every purchase and will continue.

fourwedge

I'm 61/39 US/International

fourwedge

I too have never had anything but a positive experience with VG.

fourwedge

90:10

fourwedge

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

fourwedge

I'm so glad I just stayed the course and left it all in the same funds at VG.

fourwedge

haha, Thanks for loosing us all up!!!

fourwedge

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...

fourwedge

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.

fourwedge

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% stocks and ...

fourwedge

No way, too risky!!!

Buy and hold, then buy some more!

fourwedge

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.

fourwedge

well done! yes it is a freeing feeling. Now max out the 401K and the rest of your options. HaHa

fourwedge

livesoft wrote:
fourwedge wrote:Domestic small: VTIAX
I LOVE the typo.

Haha, Thanks livesoft

fourwedge

Domestic small: VSIAX

International small: DISVX

Emerging: DFCEX

fourwedge

I believe you are still close enough. You should look to be off at least 5% in any category before moving any money around.

fourwedge

I heard about this safe money ad from a paid infomercial. It had nothing to do with Dave Ramsey.

fourwedge

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... https://mob...

fourwedge

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 ...

fourwedge

I'm buying on the 1st whether they are up or down. I love not giving a crap.

fourwedge

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!

fourwedge

Only investments that I hold. I don't count SS, 529, or HSA.

fourwedge

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.

fourwedge

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

Why have commodities at all?

fourwedge

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...

fourwedge

Yea, actually her sister in law. Her brother is married to her....crazy!!!

fourwedge

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...

fourwedge

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 ...

fourwedge

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...

fourwedge

My wife and I are 46/34

We are 40% international

fourwedge

(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? :wink: * 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 someon...

fourwedge

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.

fourwedge

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...

fourwedge

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.

fourwedge

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.

fourwedge

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...

fourwedge

. 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...

fourwedge

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...

fourwedge

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.

fourwedge

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

Dfcex. DFA EMERGING MARKETS. and
DISVX. DFA int small value

fourwedge

Sounds like a great plan! well done!

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