PEO
Adams Natural Resources Closed Fund
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US Army Selects Palantir for Intelligence Data Fabric and Analytics Solution contract worth $823 million
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NAV erosion, or what I call the slow motion rug pull. PEO has been holding steady for 95 years. JEPQ has a reputation to uphold and isn't doing that with this fund.
Diversity of income streams. I'm in retirement and can't afford risk. I have 80% in JEPQ and PEO averaging 9%-10% dividends without the long term rug pull of other ETFs. The two funds give me good diversity. 20% is laddered in 90-day Treasuries. I also consistently wheel a stable of tickers that I'm not afraid to own. The reason for keeping money in USTs is so that I can trade SPX and pay for the options that get assigned when wheeling. On top of all of this I lookout for big blue-chips that get hit with solvable problems and sell puts on them when everyone else is panicking. BA door blew off? Anytime you can get BA under $200 is a gift from the gods. UNH mess last year, another gift of being able to pick up the largest insurer in the US who literally prints cash. GOOG during the left wing panic back in March of 2025? When my friends were panic buying cases of French wine I was selling in the money puts and panic buying GOOG. I average 20% annual returns.
My JEPQ is down today, my PEO is up. Looks like sector rotation is the answer you're seeking. As for crypto, what does that have to do with anything? Crypto is right up their with unicorn farts.
What Americans? There are two reasons for companies to hire using H1-B visas; wage suppression and lack of sufficient talent. Given that most US tech companies are paying US equivalent wages to remote workers in Canada, plus the fees for PEO's, suggests that there aren't enough skilled US citizens to do those jobs. This leaves a few options: degrade the quality of the workforce by hiring less qualified US citizens, pay the fees for H1-B's or hire qualified employees at centers outside the US. Time will tell, but given the big picture I suspect most will lean towards the third option.
I switched my company’s PEO to a different provider who didn’t have UHC haha. This was after several employees and myself were denied claims. Coincidentally, right before the Luigi thing.
https://www.linkedin.com/posts/michael-brabner-17b124253_what-we-have-here-is-a-tiny-but-mighty-system-activity-7288546347203362817-6AEk From Michael Brabner, Air Branch Chief US Army, some 2 days ago: What we have here is a tiny but mighty system that’s been paired with a Short Range Reconnaissance Tranches 2, Red Cat Teal Black Widow. Many may not know what it is. Let me explain how this Army, first of its kind, lethal Modular Mission Payload (MMP) helped change the sUAS culture for the better. In the summer of 2022, after watching events in Ukraine and Russia begin to unfold, we came up with a white board concept for a “dropper” that could safely carry and air drop anything that was organically carried in a Rifle platoon. Fragmentation grenades, training grenades, smoke grenades, flash bangs, and incendiary grenades. We took that concept to DEVCOM Armaments Center and some good friends, Russ Labar, Matt Brauer, and Kendall Mills, and they took our concept and created the first AUDIBLE which stands for Armamnet Delivered Immediate Battlefield Lethal Effects. Needless to say we did our first inert M69 drop at Fort Moore, GA on 5 Dec 2022. A pretty quick flash-to-bang. Many laughed at us, many cracked jokes, and it didn’t phase us one bit. I put a proposal in for AUDIBLE with PEO Soldier for $2M and it got funding approval. The biggest Soldier Enhancement Program proposal award to date. Then we found a champion in the 18th Airborne Corps’ Commanding General and COL Matthew Elliot who dared to be different and challenge the status quo. Their Soldiers and sUAS operators mitigated risks, took the initiative, and in the winter of 2022 the U.S. Army was dropping their first M67 fragmentation grenades from SRR Tranche 1 program of record systems. We blew a couple up in the process. You have to crack eggs to make omelettes…. 🍳 that’s what it takes. We continued to experiment with AUDIBLE. DEVCOM AC continued to innovate with the design. They got it passed through the safety and fuze boards at Picatinny Arsenal and in 2024 we fielded systems to the four divisions of the 18th Airborne Corps and the 75th Ranger Regiment. Monumental accomplishment in the face of adversity and many haters. They can all eat crow 🐦⬛ now. We took it a few steps further. We codified AUDIBLE in our emerging requirements, it’s real now. Fast forward through 2024 and into 2025 and we now have PEO Aviation’s PM UAS teamed with JPEO Armaments and Ammunition’s PM Close Combat Systems with technology transition agreements with DEVCOM AC for AUDIBLE and the Common Lethality Integration Kit (CLIK). That’s how you move the needle 🪡 You have to be a combo of the salesman, the maven and the connector to form a coalition of the willing. More so to the point of what everyone always hears me say, “you have to pick up the axe and chop wood.” 🪵🪓🔥 So in short, this AUDIBLE system was the tiny Trojan horse that effectively helped us change the culture of the Army for lethal sUAS with the help of our proponent, the Aviation Center of Excellence and ACM-UAS. We will never write a requirement that doesn’t have baked in lethality for the recipe. Industry, doors are open. 🫡🇺🇸🦅
So, one guy did message me about a place he found that does Roth Simple IRA's but they use American Funds, not Vanguard funds, so that won't work for me. I had a call with Fidelity, and a call with my PEO provider. Fidelity of course has competitive index funds. My PEO provider uses Vanguard funds. The problem is Fidelity charges a 0.5% advisor fee, and my PEO provider charges a 0.58% advisor fee. So, while the index fund expense ratio might be, say 0.04%, the advisor fee effectively makes the expense ration 10X hire. And it isn't needed at all. My employees don't care to have a "401k" vs. a "Simple IRA". And they don't need the advisor service. So, Asensus is VERY cheap compared to moving to a 401k. I also like that I can just convert straight from a Simple IRA to a Roth IRA. I can't do that with a 401k. A bummer with moving to Ascensus though is that converting from their Simple IRA to my Roth IRA is a manual check-based process. :( But, still the best deal overall. One thing I haven't don't is compare the return in a Roth 401k with it's 50 basis point cost, but higher contribution versus a Simple with 5 basis point cost but lower contribution. 🤷♂️
Oil companies do well when oil prices rise. I own XLE as well as XOM, CVX, SHEL, COP, and BP. Also a little PEO is fun.
The ones I own are ADX (ER 0.62%): 13.82% annual total-return over 10 years, with a 6.81% distribution yield. I have had this fund since the 1990s. CET (ER 0.55%) GAM (ER 1.38% --this one is a bit high. I may unload it) TY (ER 0.46%) PEO (ER 0.64%) I also have some Nuveen bond CEFs some leverage bond CEFs have very high ERs --I would stay away from those. But there are lots of good options they do take more research for sure
Assuming you are seeking passive income, there are funds and ETFs that can pay that as a dividend but I personally would not use those. One I just thought of that pays a guaranteed 6 percent per year or more is ADX. PEO also does that. Both have been around since 1929.
Well many companies like mine Uses PEOs, that draw money from the account 4 days before pay day ... our PEO draw this am but the transaction is still pending... ohhh and now mobile app and website are down ...
Things to invest in during recesssion/inflation: Closed-End Funds offering good distribution yields at steep discounts. Particularly the equity variety (ADX, TY, GAM,etc.) and energy/resources (PEO) Dividend-paying stocks in "boring" sectors. You don't want to be in tech right now Municipal bonds and some corporates, but you need to hold to maturity Options can be profitable, but you really need to know what you are doing. I have never liked them because of the unfavorable tax treatment. Things I would stay far away from: Real-estate--it is wildly overvalued and will get crushed as rates rise and the economy weakens. We are years away from any bargains in that sector. Crypto: I hate this stuff, and recession makes it worse. Will never go near it.
Ok. Start up plans are expensive to begin with, but not many great options at this level. PEO’s offer bundled low cost options
Most pay $0, some with families pay more and some people upgrade plans I think average is something like ~125 but I'd have to check the PEO to know for sure.
I am bullish on oil. Aside from a few oil stocks, I also own PEO ESG is complete nonsense (even the Economists Magazine ran an expose on how the whole thing was smoke and mirrors), and the move to "green" is largely nonsense as well. Volvo came out and said it takes 70% more carbon emissions to produce an EV, and such vehicles only become "green" after about 9 years of ownership. Germany's efforts to go green have been a complete disaster, with the country now having the worst CO2 emissions per capita in Europe, doubled the energy costs to consumers, and allowed Russia to go on a rampage in Ukraine When people's electricity costs triple and brown-outs, and public's tolerance for this corporate welfare scheme is going to come to an end quickly (we need to greatly expand nuclear and other technologies vs. solar and wind) I think EV cars have a future, but not because they are "green" Oil is king, and will remain so.
About 20% of my portfolio is in commodities, energy stocks, etc. I also have a couple CEFs that focus on energy and resources, such as PEO But commodities are cyclical and volatile. Complicated to trade,and pretty risky in the long-run. In inflationary environments, one has to look to securities, but be very judicious about which ones you buy
I am a bot. You submitted a picture of a banned ticker, PEO. The market cap of PEO is **523340900** This check will fire if you included unnecessary pictures that have bad phrases or a bad crop with news about cryptocoins, for example. Repost with the useless pictures omitted if you did that. Yell at /u/zjz if it's above 1 billion-ish market cap and not related to crypto/pennies/OTC.
I am a bot. You submitted a picture of a banned ticker, PEO. The market cap of PEO is **523340900** This check will fire if you included unnecessary pictures that have bad phrases or a bad crop with news about cryptocoins, for example. Repost with the useless pictures omitted if you did that. Yell at /u/zjz if it's above 1 billion-ish market cap and not related to crypto/pennies/OTC.
I am a bot. You submitted a picture of a banned ticker, PEO. The market cap of PEO is **523340900** This check will fire if you included unnecessary pictures that have bad phrases or a bad crop with news about cryptocoins, for example. Repost with the useless pictures omitted if you did that. Yell at /u/zjz if it's above 1 billion-ish market cap and not related to crypto/pennies/OTC.
In the case where we have a typical bear market, or stock market correction, the advice is to simply stay the course. The average investor stays with a 4 fund portfolio and rides it out. But this might not be the typical bear market. We could see double-digit inflation, severe recession, and major trouble in the housing market. That isn't a bear market --that is a crisis. I can only say what I am doing: 1. Holding municipal and some corporate bonds to maturity. Yes, the yields will not keep up with inflation,but that isn't the objective. In this environment, you are protecting capital and trying to get \*some\* return. 2. Look at preferreds for maybe 10% of the portfolio. 3. Invest in ETFS/CEFS that use covered call strategies, such as DIAX 4. Devote 30% of the portfolio to value stocks, energy and commodities, etc. I also like CEFs such as PEO and ASA 5. Don't be afraid to hold cash --you didn't want to be anywhere near securities in 2007-2010. We could easily see another "lost decade" like we suffered in 2000-2010, when stocks were negative over a 10 year period. So while trying to time the market is typically a fool's errand, simply staying the course and ignoring what is going on isn't a good idea either. I watched people get completely wrecked in 2000-2004, especially those who were overweight in the NASDAQ I am not an economist, but I think this is the worst investing environment since 2008 and 2000. We have problems all over the place, and there is simply no bull case to be made.
MMMM this is a great company with the same monthly revenues as their total market cap value. They are providing insurance solutions for PEO companies.
I have been in and out of MMMM a bunch they have a great insurance solution for PEO companies and they are bringing in over $20mil a month and market cap is around there this can only go ⬆️
The pay stub from my bonus would say otherwise… this is likely from a change within the company a year ago (switched to a PEO to manage payroll, insurance, HR, etc.). The bonuses were not always taxed like this. Anyway, they likely use the aggregate method which withholds a higher amount. And yes, I do get some of this back in the form of a refund but this is months down the line and may or may not be the full amount. He’s having the Accounting department look into it so this sort of dialogue between boss and employee is important, it’s not lecturing. At least, not in my eyes- I mentioned a problem that more than one employee deals with.
TriNet (TNET) is a fantastic long term buy and hold stock. 5 years+. They are a PEO with a technology first approach. They essentially outsource non-revenue generating activities for businesses, primarily HR and payroll. They’re a free cash flow machine. Look them up.
Another stock I highly recommend is TriNet (TNET). They’re a PEO, an HR outsourcing platform used by small businesses. They are the future of work for businesses which rely on W2 workers. As of right now, the future will still require humans to perform labor. Trinet is a top of class solution for managing a business. Their financials are rock solid, strong free cash flows, heavy investment in innovation, and have barely tapped their market, (350k current co-employee customers, market is 40M).
I'm loading closed ends on margin for this one. BGR and PEO
We have our share of 1099s too but all other employees are full-time and no family members. It’s my first foray into payroll, HR, employee onboarding, benefits, and the like and a PEO seemed like the way to go because they promised it’d be very hands-off on my part. That has not been the case at all; quite the opposite. Now with a growing payroll, I’m wondering if switching to a SaaS like Gusto or Paycor and away from a payroll percentage based PEO might be the way to go.
Haven't been an employer in many decades. This whole concept of a PEO is new to me. Unless you really hope to scale up significantly and sustainably, it may be simply adding to your overhead without actual benefit. It certainly isn't easy to keep up with all the legal compliances of being an employer. But generally the smaller you are, the less complicated government compliances are. Family businesses have the option to include family members as owners, which reduces overall number of regulatory employees on the books and it some states will vastly simplify employee management. Other states may be regulatory nightmares. So many businesses turn to hiring only seasonal temporary employees (less than 6 months) or independent contractors.
401K is already in the works, the wheels of the PEO turn slowly. Thanks for the tips!
We are a small LLC, hypothetically. We only established our LLC a few months ago, this would be a “thanks for sticking with us through the growing pains” bonus. Hypothetically. With that said, we would not have hypothetically instituted a 401K yet but would hypothetically have every intention of doing so as soon as our slow ass hypothetical PEO does their fucking job. So with a 401K, my boss could actually pass on shares as retirement deposits?
ɴᴏᴡ ᴘʟᴀʏɪɴɢ: [AM I SMARTER THAN 20,000 PEO](https://www.youtube.com/watch?v=8MN2SkZjEJ4) ─────────⚪───── ◄◄⠀[▶](https://www.youtube.com/watch?v=8MN2SkZjEJ4)⠀►►⠀18:05 / 27:08 ⠀ ───○ 🔊 ᴴᴰ ⚙️