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Re: Should I pay off my sisters student loans?

Two questions I'd be asking myself.

Do I love my sister?
When I'm on my deathbed, will I regret paying off her student loans or NOT paying off her student loans knowing that this would be less than 1% of my windfall?
by jbreittling
Mon Sep 29, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3592

Identity theft protection

Do Bogleheads worry about identity theft?

It seems as though PII is stolen every.single.day and is then sold on the interwebs black markets.

So are products like Lifelock worth anything? Is there any service worth paying for in order to protect someone from identity theft?
by jbreittling
Sat Sep 20, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft protection
Replies: 9
Views: 716

Re: gifting money, and smoking

I've given my mom thousands over the past several years and would continue to give her thousands if I am able to continue to afford to do so. As far as I know, I get one mom and in my situation, I could never repay her for all she has given me. And I wouldn't want to look back and say 'why didn't I ...
by jbreittling
Wed Aug 20, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 2504

Re: Can we afford a home (little more than $500K)

Just curious - what would happen if one of you lost your income? Could you still afford it?

Hope for the best, plan for the worst (which I realize would be both losing income, so scaling that back a bit here).
by jbreittling
Fri Aug 01, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford a home (little more than $500K)
Replies: 28
Views: 4442

Re: Should I become a CFP?

My non-expert opinion is that certifications don't matter for someone in your position. All that matters is being willing to convince all your friends/relatives, and of course perfect strangers, to hand over their life savings to you. One percent of them will know or care what a CFP is. When it com...
by jbreittling
Fri Aug 01, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become a CFP?
Replies: 27
Views: 3661

Re: Cheap Carnival Cruises

I would encourage reading this article as you make your plans. It seems as though passenger rights are non-existent on cruises.
http://www.myfoxdfw.com/story/26097750/ ... -to-senate
by jbreittling
Fri Aug 01, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Carnival Cruises
Replies: 21
Views: 2909

Re: Confused about HSA

http://www.hsaed.com/who_can_have_an_hsa_ check this out for FSA & HSA . Apparently you can't have a full-featured FSA and an HSA at the same time ; but a limited purpose FSA is ok. To me, this page is not helpful as a very significant detail is left out. "MrHSA" doesn't bother to def...
by jbreittling
Fri Aug 01, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 9
Views: 573

Re: How to keep family informed

I don't see the point of usernames and passwords. When you die, your executor or personal representative will have to inform the custodians of your various accounts. The custodians will likely want to see death certificates. The list of custodians is the most important. Even if I don't tell my chil...
by jbreittling
Tue Jul 29, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3347

Re: How to keep family informed

bcjb - That is what I was thinking I should do. I appreciate aquifer's comment as well - I do wonder, will my beneficiaries need to know usernames and such, or just that I have something with XYZ Financial Institution?
by jbreittling
Tue Jul 29, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3347

How to keep family informed

For those that are single with siblings or parents that are still alive, how do you go about making sure they know where all of your investments are kept? For example, do you physically give them a list of your financial institutions including your account numbers? Or do you give them more - such as...
by jbreittling
Tue Jul 29, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3347

Re: Opinions - What to do with $50k for 12mos

Thank you everyone. I'm going to advise him to leave it sit at 0.85%.
by jbreittling
Tue Jul 29, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 10
Views: 1278

Opinions - What to do with $50k for 12mos

Situation: Suppose someone has $50k sitting in a 0.85% savings account with Discover Bank with plans to use this money to build a cabin next summer (12 months from now). Question: Would you leave it sit in that account or would you put that money elsewhere for the next 12 months? Risk: This person i...
by jbreittling
Tue Jul 22, 2014 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 10
Views: 1278

Re: Snake!

Random Poster wrote:These are the kinds of posts where I really wish the OP would identify their location, if only to provide guidance on where I don't want to live.


+1!!!!
by jbreittling
Wed Jul 16, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4413

Re: Living on Dividends

I'm not qualified to offer advice. But I'll say this - if this is how you are thinking about your future at age 17 *and* all that you stated happens, you are going to be fine - whether it's dividends or other income streams.

Congratulations in advance young man.
by jbreittling
Wed Jul 16, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 18
Views: 4569

Re: Should We Buy a Retirement House Now?

Quite a bit can change over the course of 5 years. I wouldn't take that risk.
by jbreittling
Wed Jul 16, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should We Buy a Retirement House Now?
Replies: 11
Views: 1601

Re: Will I get premium tax credit or not ?

I think your broker may likely be mistaken. The calculations used to determine APTC is not as straight forward as one would hope (or would have liked). Part of the calculation involves the second lowest cost silver plan that is offered amongst the plans available for you to purchase. But you may be ...
by jbreittling
Sat Jul 12, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will I get premium tax credit or not ?
Replies: 6
Views: 952

Re: How secure are Vanguard/Fidelity Apps?

DonCamillo wrote:
jbreittling wrote:I have wondered about this too.

For those that use a VPN, is there a product out there that Joe Public can use for a secure connection?


In this topic link http://www.bogleheads.org/forum/viewtopic.php?f=11&t=140752#p2085560 OpenVPN is recommended by rolyatroba

Thank you!
by jbreittling
Wed Jul 09, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How secure are Vanguard/Fidelity Apps?
Replies: 14
Views: 2134

Re: Neighbor's Fireworks

I wouldn't do anything. Sounds like a reasonable neighbor. If they cause real damage to your home, then you have something to talk with them about. Relax.
by jbreittling
Sun Jul 06, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4654

Re: How secure are Vanguard/Fidelity Apps?

I have wondered about this too.

For those that use a VPN, is there a product out there that Joe Public can use for a secure connection?
by jbreittling
Sun Jul 06, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How secure are Vanguard/Fidelity Apps?
Replies: 14
Views: 2134

Re: Easy careers to last me to retirement?

I did IT. I also did project mgmt. got laid off as a proj mgr and didn't want to go back to that field. don't want to go back to IT either. Gambler, Project Management is one of the easiest job if you pick the right industry and right company. Most of our project managers work from home and organiz...
by jbreittling
Sun Jul 06, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14364

Re: Investing in an HSA

OptumBank. Charge $3/mo maint fee. Wish I could find a way around that fee. The Vanguard options made available (at least to me) are: VHGEX, VFINX and VWELX
by jbreittling
Thu Jul 03, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in an HSA
Replies: 10
Views: 1024

Re: Buy and hold or keep adding

I'm of the mindset that I can't time the market, nor can anyone else, so I buy regularly vs. waiting.
by jbreittling
Mon Mar 17, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy and hold or keep adding
Replies: 6
Views: 709

Re: $25K Budget for a Fun Car

Jaguar, XJ6
by jbreittling
Fri Feb 07, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4590

Re: Entire Retirement Portfolio in One Stock

That sounds scary. Diversify into index funds. Even the "lazy portfolio" would be a good idea here.
by jbreittling
Sun Feb 02, 2014 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Entire Retirement Portfolio in One Stock
Replies: 32
Views: 2937

Re: More from Target?

I would like to sue Target. I received a new credit card from Discover where they stated that my information was apparently part of the stolen data. Like many, I haven't used my Discover card at Target during the supposed timeframe when the data was stolen.
by jbreittling
Sat Jan 18, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: More from Target?
Replies: 33
Views: 2249

Re: Trying to help a friend. I'm not qualified.

Thanks for the additional comments. Your assessments are 100% accurate. He doesn't/didn't know anything about investing and didn't take retirement seriously until only recently. Yes, he's in his 40's. He knows he's too far behind to catch up to what he should have been doing all along. I am sincere ...
by jbreittling
Fri Nov 15, 2013 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. I'm not qualified.
Replies: 13
Views: 1153

Re: Trying to help a friend. I'm not qualified.

Thanks Stacks. Appreciate the advice.
by jbreittling
Thu Nov 14, 2013 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. I'm not qualified.
Replies: 13
Views: 1153

Re: Trying to help a friend. I'm not qualified.

livesoft wrote:The book that you read about investing that you really liked and found helpful.


Will do. Great idea. Thank you.
by jbreittling
Wed Nov 13, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. I'm not qualified.
Replies: 13
Views: 1153

Re: Trying to help a friend. I'm not qualified.

livesoft wrote:Give him 2 books to read.


Sure will. The Bible and what other book?
by jbreittling
Wed Nov 13, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. I'm not qualified.
Replies: 13
Views: 1153

Trying to help a friend. I'm not qualified.

I'm hoping folks here can help. My best friend came to me seeking advice on what to do with his current 401k investments. He's spent the last 20 years not really planning for retirement and he's finally come around to the fact that working until you die isn't something he's interested in doing. He k...
by jbreittling
Wed Nov 13, 2013 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. I'm not qualified.
Replies: 13
Views: 1153

Core four portfolio

My retirement funds are in the portfolio made famous(?) by Rick Ferri - the core four portfolio. Vanguard Total Bond Market Index Fund Vanguard Total Stock Market Index Fund Vanguard Total International Stock Index Fund Vanguard REIT Index Fund I've maxed out my contributions for the year via my SEP...
by jbreittling
Mon Oct 14, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Core four portfolio
Replies: 3
Views: 610

Re: Insurance for a recreational property

I want to ensure that the property (the structure...garage) is covered should a tornado come through or a fire burn it down. That's about it.

So far, State Farm has done little to nothing.
by jbreittling
Fri Sep 06, 2013 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for a recreational property
Replies: 8
Views: 621

Re: Insurance for a recreational property

Thanks for the replies everyone. I'm looking to insure the structure - all of the other stuff is insured as personal property (the boat, toys, etc.). The place was appraised for about 35k a few years ago - have been making some improvements to it - tiled the bedroom, hung knotty pine, etc. It's abou...
by jbreittling
Sun Aug 25, 2013 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for a recreational property
Replies: 8
Views: 621

Insurance for a recreational property

I'm having a heck of a time finding insurance for a recreational property I own. It's not much - a 20x40 foot garage with a sleeping quarters in the northern part of the state - used mainly for storing a boat when not fishing and then for sleeping in during hunting season. No plumbing, but does have...
by jbreittling
Sun Aug 25, 2013 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for a recreational property
Replies: 8
Views: 621

Re: lost job - can I retire now

HomerJ wrote:
joe8d wrote:NO, for a lot of reasons.Sign up for Unemployment Insurance immediately and do all you can to find a full time job.


What are those reasons?


+1
by jbreittling
Sat Jul 27, 2013 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost job - can I retire now
Replies: 39
Views: 6008

Re: Is $3/mo reasonable for HSA account maintenance fee?

wander wrote:No, it's not reasonable. That was why I transferred the money from old HSA account to my current one to avoid the fee.


Ok, thanks.
by jbreittling
Fri Jul 26, 2013 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is $3/mo reasonable for HSA account maintenance fee?
Replies: 19
Views: 1452

Re: Community college a better option to start college?

Hindsight being 20/20, I would have went the CC route for the first few years. At 18, I had NO CLUE what I wanted out of college.

When thinking about an expensive school, getting the prereq's/general junk out of the way at a CC seems like a smart way to invest in one's future.
by jbreittling
Thu Jul 25, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 6832

Re: Is $3/mo reasonable for HSA account maintenance fee?

gerrym51 - Perfect...thank you. I was googling and not coming up with much luck. I think I've found an ok place to invest and hope I never need to access it. knock on wood. Thanks again.

pteam - I did inquire - no such luck. No avoiding it unfortunately.
by jbreittling
Thu Jul 25, 2013 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is $3/mo reasonable for HSA account maintenance fee?
Replies: 19
Views: 1452

Is $3/mo reasonable for HSA account maintenance fee?

I left my employer last year to go out on my own. I was able to stay with my HSA, however, now that I'm no longer tied to my former employer, I am charged a monthly account maintenance fee of $3. This HSA allows me to invest in mutual funds where I'm not charged a fee to invest my money, but I am on...
by jbreittling
Thu Jul 25, 2013 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is $3/mo reasonable for HSA account maintenance fee?
Replies: 19
Views: 1452

Re: Home Purchase Advice

I'd hire another inspector and a lawyer...will an inspector know, for example, what you may be liable for if there is already damage to the neighbors structure?

Or, keep shopping.
by jbreittling
Wed Jul 24, 2013 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Home Purchase Advice
Replies: 37
Views: 2621

Re: Moving into a 400 s.f. condo?

I wouldn't do it unless I knew or felt very, very confident I could sell something so small with so little to offer (no balcony, an 'ok' view, paying $200/mo on top of your mortgage for I assume garbage & sewer?). Also keep in mind when or if it is time to sell, who will be your demographic? It ...
by jbreittling
Sat May 11, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Moving into a 400 s.f. condo?
Replies: 16
Views: 2101

Re: Jobs that require lots of travel

I traveled for about 5 years during my career. Out on Sunday or Monday, home on Thursday or Friday, rinse and repeat. Here are the the things I enjoyed: Seeing the country Meeting new people Built a [lot --admin LadyGeek] of confidence - I can walk into any room full of people now and feel fine no m...
by jbreittling
Fri May 03, 2013 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jobs that require lots of travel
Replies: 52
Views: 4945

Re: Your Dumbest Financial Move

This is an easy one for me. At the near bottom of the most recent financial crisis I was going to take a huge risk and buy a decent amount of stock ($10k in each) in Las Vegas Sands (LVS) and Ford (F). I bought LVS at $3, but sold at $5. I never bought into Ford when it was at about a $1. I could be...
by jbreittling
Fri Apr 26, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13267

Re: IT Professionals - Applying For Job Without Requested Sk

After watching this other company's postings for a long time, a job was finally posted for a web developer position. Here's the dilemma... The language requested for the position is PHP. My experience is with Java. I am familiar with all the other requirements of the job -- HTML, JavaScript, SQL, e...
by jbreittling
Mon Apr 01, 2013 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: IT Professionals - Applying For Job Without Requested Skills
Replies: 34
Views: 2323

Re: Jack Bogle on CNBC warns about bumpy ride next decade

This is kind of crazy. I had a thread up this past week where I asked if there could be a 90% drop...if Jack is saying up to 50%, boy, that really hurts. Hurts how? It hasn't happened and might not. Good point. Jack is saying stay the course. Which I will. And it was poignant, at least I thought so...
by jbreittling
Mon Apr 01, 2013 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC warns about bumpy ride next decade
Replies: 35
Views: 6157

Re: Jack Bogle on CNBC warns about bumpy ride next decade

This is kind of crazy. I had a thread up this past week where I asked if there could be a 90% drop...if Jack is saying up to 50%, boy, that really hurts.
by jbreittling
Mon Apr 01, 2013 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC warns about bumpy ride next decade
Replies: 35
Views: 6157

Is a 90% drop in the market realistic?

In this article, the authors report that even the great oracle of Omaha has been dropping US stocks like a lead balloon. I'm not savvy enough to know how much of this is valid, but when they report real numbers (dumping all of Intel, dumping 21% of consumer product stocks), it makes me wonder. Someo...
by jbreittling
Fri Mar 29, 2013 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 90% drop in the market realistic?
Replies: 40
Views: 3431

Re: What is a 'reasonable compensation' for an S Corp?

I just wanted to post a quick update. I did contact Crisp & Gravley and I've been working with them and have been very happy with the level of service and education they have provided. We've landed on a reasonable compensation amount that both of us are comfortable with...and I believe is defens...
by jbreittling
Fri Mar 22, 2013 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is a 'reasonable compensation' for an S Corp?
Replies: 16
Views: 1758

Re: What is a 'reasonable compensation' for an S Corp?

I agree with MisterWhale's comment... and I would even provide a bit more specificity... as a practical matter, I think if you're between the 25% percentile and the 75% percentile for a particular job, I think you're probably okay. (I used to teach a course on S corporations to CPAs and attorneyes ...
by jbreittling
Wed Mar 06, 2013 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is a 'reasonable compensation' for an S Corp?
Replies: 16
Views: 1758

Re: What is a 'reasonable compensation' for an S Corp?

First, I'd recommend Duane Gravley of Burnsville. His firm works on small businesses and can even provide back office bookkeeping support ... http://www.crispandgravley.com/ Your question will always be a hot topic as many s corp owners want to minimize the salary in order to reduce payroll taxes (...
by jbreittling
Wed Mar 06, 2013 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is a 'reasonable compensation' for an S Corp?
Replies: 16
Views: 1758
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