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yatesd

I live in a DC suburb and received the following quote from a very reputable / established local company (about half our neighborhood uses them), for a 2,100 square foot (2,700 with basement) well-built / renovated split level from the 1950s. -- One Lennox EL296UH090XE48C Two-Stage Furnace with ECM...

yatesd

I am responsible for the 401K plan at a 50ish employee company. When I came onboard, we had a 401K with high fees but "no cost" to the employer. A few years ago, we switched to a 401K plan using Vanguard (actually Ascensus, which is also a hassle. Employers with less than $20M in assets can't work w...

yatesd

The first few shoes early in my career were cheap shoes, mid-priced Rockports, then I moved up to Florsheim/Bostonian brands. I like Allen Edmonds because I can usually find what I need in the clearance section for $125 - $175. These are US made, recraftable, and comfortable. - When I needed to wear...

yatesd

I also enjoy my benchmade, but for work in a dress environment nothing beats a Leatherman Micra. The scissors are great!
https://www.leatherman.com/micra-20.html

yatesd

That's why I asked where you were located. The one that we use is called, "Strategic Financial Associates" and they have a wealth management side of the business. They will occasionally remind us of this additional offering but have never pressured us to participate (and not aware of any employees t...

yatesd

Where are you located? We are happy with our choice in the DC area.

yatesd

We have a small company of about 55 employees. We use a broker for our health benefits and believe they charge a flat $3,500 fee to manage our Ascensus relationship. Once a year during open enrollment they spend about an hour in front of the employees going over all the benefits (including 401K). St...

yatesd

OP, if you worked a little harder in life, you could be shopping for a 3rd Gen (MY 2013 - 2016) Porsche Boxster. My local dealer has a certified 2013 for $38k with ~21k miles on the clock. By far, this car blows every other suggestion away. Do you really want to be another one of those chumps who d...

yatesd

I don't know how much you used apple play but it doesn't work that well. First there is no support for Waze and Google Maps. You are stuck with Apple maps which are not that good. Also they way it works (or doesn't) changed a lot over time. The latest version of IOS coming this fall will allow thir...

yatesd

Are GTIs reliable cars? Can you realistically expect a GTI to give you at least 10 years of trouble-free service? I know they're supposed to be nicely engineered cars but I'm concerned the feeling will wear off once the repair bills start rolling in after the warranty expires. In general, newer car...

yatesd

Yes, the formerly known Golf GTI. Now it's called only GTI. It is quiet for my standards. I had a Civic in the past, much much worse. For american market they put a noise making device. I like it but you can remove it. That device makes a low frequency noise so not disturbing. I have the base, manu...

yatesd

I really like the "Traveler" shirts from Joseph A Banks. https://www.josbank.com/traveler-wrinkle-free

100% cotton and wrinkle free, long tails, etc. I'm not that skinny so a "Tailered Fit" works for me. A "Slim" fit might work better for you.

I normally can snag them for about $35 each on sale.

yatesd

Related, but changing the subject slightly. I am disappointed with HSA options (wish Vanguard offered HSA's) and for now use a local bank that provides basic savings account interest (basically nothing). Add to that...a relatively low balance, $15K, and it amounts to the healthcare portion of my eme...

yatesd

I never had much use for CR. They consider themselves experts on everything from orange juice to computer flash drives to cars and trucks to house roofing and everything else where they assert their expertise. Whenever they review something where I have in-depth knowledge I do not agree with their ...

yatesd

I currently have a high end traditional 5.1 setup. Can't see how a sound bar would even come close to replicating the experience, although I appreciate how the setup is beneficial for space/ease of management. I can also appreciate how a good version would blow away the standard speakers in a TV. It...

yatesd

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term. Nope stop. Backdoor rIRA. This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now. If one h...

yatesd

PFInterest wrote: ↑
Thu Aug 16, 2018 9:55 pm

yatesd wrote: ↑
Thu Aug 16, 2018 9:17 pm
I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term.
Nope stop. Backdoor rIRA.

This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now.

yatesd

Well, I slowed down and looked at your new choices and your new 401K seems to have very low fees. I still like the idea of just sticking with a Target fund and at .05 that is pretty good. I believe my 401K is .09 for the exact same thing. I don't believe anything will prevent your from rolling over ...

yatesd

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term.

yatesd

Guacamole,

Another vote for target date to start out. I would only change course after you get over $10K per fund type, then see if the separate Admiral versions still have lower expenses. Even then, mimicking the target date allocation is a good way to keep you from deviating off course.

yatesd

This should be owned and made in the USA. Control of company is more important than where it is made.

Zippo lighters- Bradford, PA.
Channel Lock pliers- Meadeville, PA
Corvette- Kentucky

yatesd

Informed delivery works great. My guess is:

- they either had an error in their verification questions
- you mistakenly answered incorrectly

Either way, my hope is that everything will work next time.

yatesd

The Danite soles last well. I vote for Allen Edmonds- American made and recraftable. On sale of course.

https://www.allenedmonds.com/outlet/cle ... 8&start=22

yatesd

Money is important until it isn't. Be a friend, spend time with him. Money doesn't matter to your friend anymore.

yatesd

I suggest your family should pay the camp for the scar. It is a badge of honor for a boy to get a scar and the camp prices will not be raised as much next year.

yatesd

Just got a notification that Vanguard is implementing mandatory 2 factor authentication procedures. Not too bad with VG. Just tell it to only do the 2FA for computers it doesn't recognize. I set it up months ago and once the initial 2FA was accomplished VG hasn't asked for it again. (and I look at ...

yatesd

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...

yatesd

Yes, I used Select Quote and could sort by rates and financial ratings. Keep in mind a recognizable name may not be healthier than another company. In my case, I ended up with Prudential for my life insurance.

yatesd

I chose to purchase 15-year term through select quote for me only since we are a single income household. In my case, it was $500K for about $270 a year (13 years ago). My plan is working almost perfectly...and should essentially be self insured by the time she is 15 with an increasing 401K balance ...

yatesd

I recommend getting a better grinder from an online specialist. Chris Coffee on the East coast. www.chriscoffee.com Seattle Coffee Gear on the West coast. www.seattlecoffegear.com Decent place for reviews and research: http://coffeegeek.com/reviews https://www.home-barista.com/ Espresso is much less...

yatesd

dm200 » Wed Jul 04, 2018 6:41 pm J295 wrote: ↑Wed Jul 04, 2018 6:38 pm Always tip Why? Never really gave it much thought until now .... I guess it's principally because we are fortunate to have sufficient resources and I enjoy giving it to the people (usually young people who no doubt can use the m...

yatesd

If it is 15+ years old and not cooling well, I would recommend replacing with a 2-stage variable speed unit with potentially multiple zones.

yatesd

I'm not sure the results will be meaningful. Too many variables. Short term/long term disability, benefits, HSA, 401K, life insurance, people saving for a flex account etc.

yatesd

I would lean towards not getting a warranty since if something happened really bad, Ford would probably offer some sort of good will. That being said, I wouldn't think of getting anything other than a factory warranty.

yatesd

My electric bill is going down $11 a month
https://www.bge.com/News/Pages/Press%20 ... Month.aspx

yatesd

Read the fine print...but they probably were not obligated to pay out the last bonus. Most corporate incentives have disclaimers to avoid payment if terminated before the ending period.

yatesd

My issue with a chain saw pruner is that it is fairly specialized for a homeowner. That said, I tend to buy too many things myself. Personally enjoy my batter powered Makita chainsaw for small items, Husqvarna Chain Saw for big stuff, and also have a pole saw. Some ideas: - Echo tends to have produc...

yatesd

BTW, I am setting up a "Go Fund Me" account.

I appreciate the generosity from everyone who suggested increasing match levels as a way to avoid this rule. You will all feel better being part of our 401K improvement plan.

yatesd

These rules have made it a real challenge at my company. We have less than 60 employees. I convinced them to switch from a high fee plan (that cost the company almost nothing, but passed the fees on to employees), to Vanguard that costs us about $4,000 a year with low fees. However, we can't afford ...

yatesd

It sounds like you have thought through most of the variables and have plans to address these risks. The idea sounds kind of fun...I say go for it! As others have said, many times the manufacturer will subsidize the residual values to reduce lease payments without directly hurting resale/brand reput...

yatesd

Definitely legit, I've received $529 in rebates since I first signed up. They make money through referral links and pass a % on to us. - Default setup is to install an app, probably easiest, but lose some privacy - I don't install any plugins, but instead login only when I intend to use. Sometimes I...

yatesd

Not quite sure how bashing any finance guru is considered an acceptable "topic" discussion on Bogleheads. :oops: Sharing the survey info, talking about the results, or its validity seems appropriate. Personally, I'd be curious to see the results even if it is self selecting (just like the one on Bog...

yatesd

I'm mixed on the issue. The pragmatic part of me considers the higher expenses and inefficiencies that are built into the cost of international investing. I also understand the argument that the US represents a portion of the world equity markets that are close to 50% so perfect diversification woul...

yatesd

Not sure how you established your budget, but if you will actually use it, you may want to spend more. Maybe consider visiting a local specialty store and buy a floor model or a closeout version of last year's model. http://shop.truefitness.com/treadmills Example of specialty store's in my area: htt...

yatesd

I've been reasonably pleased with Dewalt and Makita. Bosch and Milwaukee would also be on my short list. - None of the better brands will have "cheap" products, but they still range from mid/upper homeowner grade to true commercial. As a homeowner, you probably don't need the best, but there are rea...

yatesd

On my last two purchases, I did two things ahead of time. Got a guaranteed trade-in value from CarMax and looked online to see the lowest interest rate available to me through my own financing options (non-subsidized). I negotiated price & trade-in and agreed to use their financing as long as they c...

yatesd

In our case (as I stated above) one of us eventually dropped down to $0 income (wanted to raise our own kids) FYI, stating that an individual who quits paid work is doing so to 'raise our own kids' is insulting to the many people who do not quit work and who also manage, mostly quite successfully i...

yatesd

It might be unfair for your HMO, but I think my experience with multiple HMOs is just as valid as yours. My experience is with multiple HMO's spans almost two decades. Your post was a generalization. The negative extrapolation to all HMO's implied in your post is invalid. Huh? You posted opinion, I...

yatesd

You are correct, but almost nobody understands the plan they signed up for. You are probably the rare exception. http://www.pbs.org/wgbh/pages/frontline/shows/doctor/care/capitation.html http://www.investopedia.com/terms/c/capitated-contract.asp I agree with the above that your former characterizat...

yatesd

etguy, You are not really giving us enough information to provide advice. If you want 25% in bonds, then the Total Bond fund makes the most sense. Wellington is a blended fund that will do the "blending" for you. Assuming you are saving for retirement, maybe look at the Target date fund that corresp...

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