Search found 87 matches

by BoglePaul
Tue Nov 13, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 950

Re: Small business (5 employees) 401k - cheapest options

Can i ask why you recommend SEP-IRA under 10 employees? 1) SEP-IRA's are free. At around $5k, that is $500 or more per employee. Better off just putting the $500 into the employee SEP-IRA accounts. 2) 401k's take time to setup and maintain the payroll deductions. Companies with less than 10 employe...
by BoglePaul
Tue Nov 13, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 950

Re: Small business (5 employees) 401k - cheapest options

Can i ask why you recommend SEP-IRA under 10 employees? 1) SEP-IRA's are free. At around $5k, that is $500 or more per employee. Better off just putting the $500 into the employee SEP-IRA accounts. What are these numbers you are using. The maximum employer contribution is 25% of compensation. If yo...
by BoglePaul
Tue Nov 13, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good deal for a new iPhone xr ?
Replies: 7
Views: 611

Re: Is this a good deal for a new iPhone xr ?

A pixel 3 XL could be had with their black Friday deal (trade in your iPhone in the process).
by BoglePaul
Tue Nov 13, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 950

Re: Small business (5 employees) 401k - cheapest options

My advice is to stick with a SEP-IRA. A SEP IRA is almost never a good choice for a small business. There are only employer contributions and generally they must be the same exact percentage contribution to every employee including the owner. Are you speaking from experience? We had a SEP between 1...
by BoglePaul
Tue Nov 13, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 950

Re: Small business (5 employees) 401k - cheapest options

Can i ask why you recommend SEP-IRA under 10 employees? 1) SEP-IRA's are free. At around $5k, that is $500 or more per employee. Better off just putting the $500 into the employee SEP-IRA accounts. 2) 401k's take time to setup and maintain the payroll deductions. Companies with less than 10 employe...
by BoglePaul
Mon Nov 12, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 10619

Re: General Electric

Once GE sheds their pension issues through bankruptcy we can talk. Give it a year or two.
by BoglePaul
Mon Nov 12, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 950

Re: Small business (5 employees) 401k - cheapest options

My advice is to stick with a SEP-IRA unless u will grow to 10-20 employees. For a 401k go with Fidelity. They perform their own record keeping. Expect to pay $2-$6k per year. Other 401k providers are less expensive but they often outsource their record keeping. The amount of time you will spend corr...
by BoglePaul
Mon Nov 12, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8037

Re: What's everyone currently in?

Vanguard Primecap Core (this fund is ~12% international)
Vanguard Tax-Exempt Intermediate Term
by BoglePaul
Sun Nov 11, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 127
Views: 14913

Re: [Financial] Habits of the Rich

Aim to be good at what you do. Get a new certification every 3 years (every 2 years in your 20's). The money will come.
by BoglePaul
Wed Nov 07, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 7
Views: 953

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

What is the rate on the Fidelity money market and what is the rate on the Vanguard money market? How much do the fees cost for $500k?
by BoglePaul
Tue Nov 06, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5958

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

I would not spend that kind of money on a gas car. None of them can hold a candle to the comfort and performance of an electric. Also, I hear the electrics deliver to your home (no need to visit the dealer). That is worth it in itself. For fit and finish, any of the Germans. For performance, nothing...
by BoglePaul
Sun Nov 04, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: high tax bracket - muni bonds in taxable
Replies: 8
Views: 1185

Re: high tax bracket - muni bonds in taxable

Anything can happen in the future. If equities were to decrease in value, then the person would be unable to write off the loss in a tax deferred account. Perhaps better to keep a mix in both accounts?
by BoglePaul
Sun Nov 04, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4098

Re: Mice

catdude wrote:
Sun Nov 04, 2018 4:24 pm
Rupert wrote:
Sun Nov 04, 2018 3:51 pm
A cat.
I concur with this recommendation, but I’m biased.
Cat would also help with nice nearby the house as well as rats and snakes.
by BoglePaul
Tue Oct 30, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4707

Re: GE: We Bring Bad News To Life!

There is no price at which I buy any individual stock for reasons illustrated well by recent events at GE and previously at Kodak and Enron. Why take uncompensated risk at great effort when for nearly zero effort you can capture the market returns? High risk, high rewards If you're going to put eff...
by BoglePaul
Fri Oct 26, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1854

Re: How to debug slow wifi?

Treat yourself, and purchase a new router. Maybe avoid the fruit company. Google wifi router is close to a brainless a setup as they get.
by BoglePaul
Fri Oct 19, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8442

Re: When to change tires; and what brand

Michelin. Tires are the most important part of the car. A good tire can shorten the stopping distance, keep you from slipping during rain/snow, and will wear better than a less expensive tire. Get Michelin's when they go on sale at Costco. The have a large Michelin plant in South Carolina.
by BoglePaul
Wed Oct 17, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: street shares
Replies: 5
Views: 790

Re: street shares

I am an investor in StreetShares. USAA has currently partnered with StreetShares to provide small business loans. That is a pretty huge stamp of approval. USAA has also partnered with CoinBase. Do you see that as a huge stamp of approval to start investing in Bitcoin? Maybe a stamp of approval to s...
by BoglePaul
Wed Oct 17, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 2065

Re: Street Smart bonds

I’m both a veteran and owner of three small businesses. Knowing what I know on both fronts, there is no way I would ever gamble on what they’re offering. I’ll stick to poker. USAA currently does not offer small business loans. Is it terrible for USAA to partner with StreetShares so that they can of...
by BoglePaul
Wed Oct 17, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 2065

Re: Street Smart bonds

I am an investor in StreetShares. USAA has currently partnered with StreetShares to provide small business loans. That is a pretty huge stamp of approval. https://communities.usaa.com/t5/Money-Matters/Building-a-Better-Small-Business-Funding-Experience/ba-p/184075 The street shares notes pay 5%, al...
by BoglePaul
Wed Oct 17, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 2065

Re: Street Smart bonds

Another news article about the USAA partnership:
https://www.americanbanker.com/news/usa ... ss-lending
by BoglePaul
Wed Oct 17, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 2065

Re: Street Smart bonds

How does a company targeting vets or other financially vulnerable groups make you feel better? This is the same as all the gold coin offers going to one side of the political aisle, they are just targeting people who have signaled that they are credulous or vulnerable. The same for payday loans and...
by BoglePaul
Wed Oct 17, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 2065

Re: Street Smart bonds

I’m both a veteran and owner of three small businesses. Knowing what I know on both fronts, there is no way I would ever gamble on what they’re offering. I’ll stick to poker. USAA currently does not offer small business loans. Is it terrible for USAA to partner with StreetShares so that they can of...
by BoglePaul
Tue Oct 16, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 2065

Re: Street Smart bonds

I am an investor in StreetShares. USAA has currently partnered with StreetShares to provide small business loans. That is a pretty huge stamp of approval. https://communities.usaa.com/t5/Money-Matters/Building-a-Better-Small-Business-Funding-Experience/ba-p/184075 The street shares notes pay 5%, all...
by BoglePaul
Tue Oct 16, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: street shares
Replies: 5
Views: 790

Re: street shares

I am an investor in StreetShares. USAA has currently partnered with StreetShares to provide small business loans. That is a pretty huge stamp of approval. https://communities.usaa.com/t5/Money-Matters/Building-a-Better-Small-Business-Funding-Experience/ba-p/184075 The street shares notes pay 5%, all...
by BoglePaul
Sun Oct 14, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Gore-tex warranty experience
Replies: 7
Views: 863

Re: Gore-tex warranty experience

Thx for this post. I have a rain jacket I purchased five years ago with Gore-Tex pac-lite. I only wear the jacket when it is raining in warmer weather (so it does not get that much use). Water no longer beads up and rolls off but just soaks in. I was going to replace the jacket but will try the warr...
by BoglePaul
Sat Oct 13, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5286

Re: Need new email address. Gmail or ???

To get anything done you really need a gmail account and an outlook.com account. Which one to use for email is a tough choice. If Microsoft still made Windows Phone, the choice would be easier.
by BoglePaul
Sat Oct 13, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1954

Re: Get rid of my Roth IRA?

Try the Backdoor Roth and the Roth will feel valuable again. A Roth IRA can also come in handy in certain situations.
by BoglePaul
Sat Oct 13, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1267

Re: I'm an employer looking to get the best 401k deal for my employees!

Both Vanguard and Fidelity do this. As someone that has found Fidelity's NetBenefits service to be appalling, I'd suggest looking elsewhere, especially on a small program where you won't matter. https://institutional.vanguard.com/web/c1/solutions/dcretirementplan/focus I will say that they are all ...
by BoglePaul
Sat Oct 13, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Does anyone consider institutional risk?
Replies: 37
Views: 2204

Re: Does anyone consider institutional risk?

I remember Pershing having some issues during the financial crisis which my be why Vanguard dumped them right afterward and became their own fiduciary. I think Charles Schwab uses Pershing so I avoid them. Additionally, TD Ameritrade is Canadian so I avoid them. Fidelity is privately owned and last ...
by BoglePaul
Sat Oct 13, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1386

Re: Drop in MPG (09 Civic)

Yes, sounds like it needs a tune-up (spark plugs).
by BoglePaul
Fri Oct 12, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1918

Re: Index vs. actively managed funds....is there a good tool to compare?

Just look at Vanguard site. Arrange according to 5 yr or 3 yr returns. Surprisingly Vanguard's actively managed funds (wrong term for Vanguard funds?) perform much better than Vanguard's own index funds !! https://investor.vanguard.com/mutual-funds/list#/mutual-funds/name/month-end-returns Make sur...
by BoglePaul
Thu Oct 11, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 25862

Re: Oatmeal suggestions

Bob's Red Mill Oatmeal is my favorite.
by BoglePaul
Thu Oct 11, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5610

Re: Keep a backup hot water heater?

Consider replacing the anode rod to extend the life of the water heater.
by BoglePaul
Thu Oct 11, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5610

Re: Keep a backup hot water heater?

Mine is 13 years old, though it's one of those "lifetime" (riiight) Phase II water heaters with a plastic or PVC type exterior (the inside is still metal) that supposedly keeps it from bursting. What I've done is placed one of those $5 leak detectors on the floor next to it--on the hope/assumption ...
by BoglePaul
Thu Oct 11, 2018 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4139

Re: Am I secure using my computer for financial services?

I've read most of the threads about internet security on this site as well as others. Many have posted regarding Vanguard's website security. The 2 factor authentication requirement has been a topic of discussion. I have signed up for 2 factor authentication; however, I still have questions about i...
by BoglePaul
Thu Oct 11, 2018 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1947

Re: Vanguard vs others

Dead Man Walking wrote:
Thu Oct 11, 2018 1:05 am
Many posts compare Vanguard, Fidelity, and Schwab. What about others such as the new Chase You Invest that offer free trades for mutual funds, ETFs, stocks, and fixed income investments?

DMW
What about Wells Fargo? Stick with Vanguard, Fidelity, and Schwab.
by BoglePaul
Wed Oct 10, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4832

Re: Vanguard website problems [Transactions won't go through, etc.]

All account information is now unavailable. Someone in IT is going to be late for dinner.
by BoglePaul
Wed Oct 10, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1947

Re: Vanguard vs others

You won't know what you are missing until you try it out. I have been a Vanguard client for over 35 years. I've had money at Fidelity for over 25 years. Of course, both of them have changed since I started with them. It is not complicated to use 2 or more firms nowadays. It is easier to rebalance, ...
by BoglePaul
Wed Oct 10, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1947

Re: Vanguard vs others

With Fidelity: 1) Your deal flow is sold to high speed traders so you may wind up paying more when you place a trade for the ETF (only Vanguard and Interactive Brokers do not sell your deal flow). 2) Fidelity pays less dividends on money market funds than Vanguard (so you save .03% on the ETF but Fi...
by BoglePaul
Wed Oct 10, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: No Touch ID on Vanguard's mobile app for Android
Replies: 11
Views: 1062

Re: No Touch ID on Vanguard's mobile app for Android

I agree and previously submitted a feedback form requesting the feature. Seems like a small investment and Android runs on 54% of smartphones.in the USA.
by BoglePaul
Tue Oct 09, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9011

Re: Finally Cutting the Cord - YouTube TV

The only downside we experienced is that sports, especially hockey, looks crummy on YouTube TV (hockey looks equally crummy on HuluTV, Sling and YouTube TV, we tried them all). The puck is much more visible on Over the Air HD. Are you getting a less than full resolution stream? Nearly every YTTV ch...
by BoglePaul
Tue Oct 09, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9011

Re: Finally Cutting the Cord - YouTube TV

The only downside we experienced is that sports, especially hockey, looks crummy on YouTube TV (hockey looks equally crummy on HuluTV, Sling and YouTube TV, we tried them all). The puck is much more visible on Over the Air HD.
by BoglePaul
Mon Oct 08, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car-anyone ever used a car buying service?
Replies: 7
Views: 793

Re: Buying a new car-anyone ever used a car buying service?

I've read a number of the threads on this and it seems many people recommend e-mailing various dealerships for their bottom line out-the-door pricing in lieu of a car buying service. FWIW, I've only done it once and the dealership came in below the Costco pricing with no negotiation. I recently tri...
by BoglePaul
Mon Oct 08, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19114

Re: Talk me out of buying a Tesla Model 3

I feel like the 3 is more of a prototype and like the Model S, may note age well beyond 5 years. If u really want electric, consider a used i3. My friend purchase one 4 years old w/ 30k miles for 65% off MSRP.
by BoglePaul
Sun Oct 07, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Faucet filter to remove Chloramine?
Replies: 22
Views: 1387

Re: CuZn UC-200-85 Chloramine

Made in USA. Yes! LOL! Fakespot rated the Apple iPhone X on Amazon a 'D'. Fakespot also gave "Apple" a two star rating for trustworthiness. CuZn at least received 3 stars. https://www.fakespot.com/product/apple-iphone-x-fully-unlocked-5-8-64-gb-silver Looks like Fakespot is fake. Also, Amazon only ...
by BoglePaul
Sun Oct 07, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep Intermediate Term Tax Exempt Fund?
Replies: 15
Views: 2005

Re: Should I keep Intermediate Term Tax Exempt Fund?

I am questioning whether it's appropriate for me to keep the Vanguard Intermediate Term Tax Exempt Admiral fund (VWIUX) in my taxable portfolio since I retired earlier this year. Here's my situation: 43% of my total taxable portfolio of $300K is in this fund, and the remaining 57% is in stocks (Tot...
by BoglePaul
Sun Oct 07, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Faucet filter to remove Chloramine?
Replies: 22
Views: 1387

Re: CuZn UC-200-85 Chloramine

My Chloramine filter is from CuZn. $129 and worth every penny. It is connected on the cold water line under my sink. https://cuzn.com/product/uc-200-85-chloramine-under-counter-water-filter/ These filters are the real deal. Metal connectors. Over engineered with lots of charcoal. Each filter is han...
by BoglePaul
Sun Oct 07, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: I'm unclear on how to use a Vanguard account
Replies: 21
Views: 1804

Re: I'm unclear on how to use a Vanguard account

It's sad you went thru all the work to transfer to Vanguard when you could have invested in the index funds at Fidelity with lower cost than Vanguard. Any thoughts on a split 50/50 as following? I feel like the treasury bonds in the Total Bond Index fund are a drag. Vanguard Total Stock Market ETF ...