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Very true. Sometimes a product does just suck and a replacement doesn't make sense. I'm surprised they wouldn't send you a refund if they were that eager to try to solve it, but I guess that might be construed as an admission of a flaw they don't want to acknowledge, which some people would then...

You're the type of customer business owners like, and will gladly do what we can to convince ourselves that "The customer is always right." Even in the event that you're not. A customer that complains and can then be satisfied frequently becomes a fairly loyal customer. Many companies can do a...

I'll say that recently I had the same or better service of pleasant straightforwardness transferring my parents accounts to Vanguard that I had when I opened my first Vanguard account eight years ago and my wife's three years ago. With my parents it was a fair amount of paperwork because of...

I've gotten the Vanguard e-mails, and I just take it as something of a response to Personal Capital/Wealthfront/Betterment. I suspect they're seeing if there is a real market, and they don't have to deal with venture capital like many of these new online services. If I were Vanguard leadership...

Touring the tea farm there is a neat way to spend an hour or so. I've discussed needing to explore Wadmalaw a bit with my wife to look at if we should ever consider buying some land there for retirement. Would definitely consider building a house in that sort of landscape. Retirement to us is...

I went to College of Charleston and yet never made it to Edisto. Saw the sign so many times between visits to Beaufort, but never could justify turning off knowing that it was still quite a way to go. The remoteness might just be something I'm interested in someday, though I hear there is only...

As a serious question, if you're a retiree does it matter much if public schools and such rankings aren't good? I get that one should want access to decent healthcare, and want your house to not suddenly be in a ghost town or an unsafe area, but I'm not sure what "rankings" are of much...

If it's true about Alabama being retiree friendly: my sister went to college in Mobile, Alabama and when I visited her three times while she was in school it was definitely a surprise in a good way. Nice town, booming industry on the coast. Nearby Fairhope is very nice. Fancier, but perhaps...

Your yearly Costco spending is rather reasonable so long as you're actually consuming the food before it goes bad. When I lived alone, my strategy for shopping at Costco was to skip the cart, except for the yearly acquisition of toilet paper and other bulky but non-perishable items. Really...

I haven't done a formal introduction yet, so just to say where I'm coming from: I'm 28 and I have a net worth significantlylower than yours (laughably so). In the last two years I took over running the operations of a century-old, thirty-person business, but have no ownership stake.

Kiplinger's September 2014 issue might have some worthwhile suggestions. You can probably get it through you public library for free if they have a partnership with Zinio. The one benefit of offering insurance through your company is that it's a pre-tax benefit, so you could cut down on...

ehealthinsurance.com is a popular source, but you can also look into the health care exchanges set up in your state under the ACA. You won't quality for subsidies, but you can still get a plan through it, should you be interested. Just set the check boxes on any of the search sites to an HSA...

Cash is king. I understand the desire to keep cash around, but continuing to pay down your business debt is probably the best business opportunity you have right now. Get the debt off the balance sheet in the next few years and any potential buyers in a decade who will be looking at a few years...

Tork, I was mistaken. Our Vanguard/Ascensus plan does have a asset management fee in the range you found. Fees go down as assets increase. I have it set so our company pays the fees rather than the employee, because as a business we can write off that expense--and because as a member of the plan...

I agree with clifp, since you own your own company, you could consider just taking the taxable account and paying down the business debt after you pay down your mortgage (or refinance it). You signed as a loan guarantor, so your business debt at this stage should also be understood as personal...