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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: 693

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: 4357

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: 2764

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: 2097

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: 1147

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: 1147

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: 1147

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: 1147

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: 1147

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: 605

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: 601

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: 601

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: 601

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: 5800

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: 1419

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: 6071

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: 1419

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: 1419

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: 2419

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: 2071

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: 4780

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: 13148

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: 2281

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: 6121

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: 6121

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: 3300

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: 1643

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: 1643

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: 1643

Re: The Munchkin Man Diet

What a great thread! Congratulations to you Munchkin Man. A truly amazing story & journey that I'm sure many envy.
by jbreittling
Tue Mar 05, 2013 9:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 10513

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

So my tax guy bailed on me. I'm a recently self-employed contractor (technology consulting) and I was referred to this Harvard educated super smart tax guy by a colleague. I signed up to work with him and met with him early on (Oct, Nov 2012) to understand what was in my best interest as I set out o...
by jbreittling
Tue Mar 05, 2013 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is a 'reasonable compensation' for an S Corp?
Replies: 16
Views: 1643

Re: Could you cut it as a Financial Advisor?

Yes, I'm capable of guessing like the rest. And I know how to google and of course there is this site out there - bogleheads.org. Yes, I am qualified.
by jbreittling
Sat Feb 23, 2013 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Could you cut it as a Financial Advisor?
Replies: 73
Views: 6799

Re: How much do you spend in a week? (Mon-Sun)

Thanks for the numbers everyone. I realize there is no easy question posed to the smart folks on this board, so I appreciate you all giving it a go.
by jbreittling
Fri Feb 22, 2013 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 3201

Re: My (horrible) experience with Vanguard

I can't seem to get the image to a size acceptable by the boards....perhaps this will work? http://tinypic.com/view.php?pic=2z5ror9&s=6 [img_resize=20:2wriqakv]http://oi46.tinypic.com/2z5ror9.jpg[/img_resize:2wriqakv] [Image fixed by admin LadyGeek. Click on image to see full size. (Use the URL ...
by jbreittling
Fri Feb 22, 2013 8:17 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

Re: My (horrible) experience with Vanguard

norookie wrote:Horrible is, well, YMMV, but IMO its being the individual complaining about corns on your feet with someone without feet around. :|


I have no idea what you are trying to say here.
by jbreittling
Thu Feb 21, 2013 11:19 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

Re: My (horrible) experience with Vanguard

Taylor - I have no idea why Mr. Bogle became involved. Even when talking with Manuel, he made no mention of it. I was surprised...pleasantly of course.
by jbreittling
Thu Feb 21, 2013 10:47 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

Re: My (horrible) experience with Vanguard

Just a quick update. I received numerous follow ups from a gentleman by the name of Manuel. He left numerous voicemail messages and I was finally able to connect with him one evening a few weeks ago. He apologized many times and was appreciative I had decided to stick with Vanguard. He mailed to me ...
by jbreittling
Thu Feb 21, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

Re: What credit/charge cards do you have in your wallet?

I carry two cards.

Discover w/ cash back bonus - used for 100% of my purchases, paid off in full every month.
Visa through my insurance company - only have it in the event something happens to my Discover card (fraud/identity theft).
by jbreittling
Thu Feb 21, 2013 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What credit/charge cards do you have in your wallet?
Replies: 114
Views: 6948

Re: How much do you spend in a week? (Mon-Sun)

lol...thanks swong. so would you want to divide your number by 52? if not, i understand!
by jbreittling
Thu Feb 21, 2013 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 3201

Re: How much do you spend in a week? (Mon-Sun)

z....does your number include the rent/4 (4 weeks in a month) or is that number outside of rent? Just wanting to be clear. Thanks for responding!
by jbreittling
Thu Feb 21, 2013 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 3201

How much do you spend in a week? (Mon-Sun)

I'm trying to understand if my household is 'in the norm' when it comes to expenditures. I've been looking for data that tells me what a 'typical' individual or family spends in a week's time. Yes, I know, typical is like asking 'what is normal'. But entertain me please. How much do you spend in a w...
by jbreittling
Thu Feb 21, 2013 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 3201

Re: My (horrible) experience with Vanguard

I had a mix-up with PenFed once. I did a custodian-to-custodian IRA transfer out of another institution to PenFed to buy an IRA CD. I checked my on-line account, and (after three weeks), the IRA CD still was not open. The money was just plopped in my "share account". I called, and after m...
by jbreittling
Fri Jan 11, 2013 9:31 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

Re: My (horrible) experience with Vanguard

TAINTED-MEAT wrote:If you were happy, why did you switch in the first place?


To avoid fees and because I was a bit of a lemming by reading these boards. But mostly the fees as I invest more over time.
by jbreittling
Fri Jan 11, 2013 9:16 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

My (horrible) experience with Vanguard

So I got hooked on Vanguard strictly from reading the positive comments on these boards. I recently started my own company and as a result, I wanted to move my money from Fidelity to Vanguard in order to take advantage of the low fees & ER's associated with Vanguard products. I spoke with Vangua...
by jbreittling
Fri Jan 11, 2013 9:01 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9938

Re: Medical specialty, longer residencies worth it?

Do what you will remain interested in doing. You'll be spending a great deal of time working, so you had better enjoy it or it becomes a grind that you don't want to get out of bed to do. A nice paycheck, sure, but wouldn't you rather enjoy the waking hours of your life vs. praying for the end of th...
by jbreittling
Tue Oct 09, 2012 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical specialty, longer residencies worth it?
Replies: 55
Views: 5720

Re: LinkedIn and jobs

I have had very good results. If I'm unsure of the recruiter reaching out to me, I'll dig a bit on them. I've been offered more than one job but never accepted. Ironically, it was through a local colleague that I just landed an independent gig that is very positive for my situation. But still, if yo...
by jbreittling
Sat Oct 06, 2012 6:21 pm
 
Forum: Personal Consumer Issues
Topic: LinkedIn and jobs
Replies: 23
Views: 1824

Re: lots of debt and lots of time...what would you do..

rfburns wrote:I would make eliminating the student loans first the priority. Forget the low APR. Get rid of the albatross first.
Many debts can be forgiven in extreme cases. Student loans are not one of them.


+1

Get rid of the debt.
by jbreittling
Wed Oct 03, 2012 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: lots of debt and lots of time...what would you do..
Replies: 24
Views: 2121

Re: Used pickup truck advice

Thanks Dave76 & Watty. Dog_Papa - I do agree with your assessment. I just can't justify buying a new truck, or anything new for that matter, due to the expense and the depreciating asset that vehicles bring. I'm still leaning towards the Titan...but boy are they expensive...even the 08's still b...
by jbreittling
Tue Oct 02, 2012 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Used pickup truck advice
Replies: 17
Views: 998

Re: Used pickup truck advice

Yes, I'll be looking for 4WD and if necessary, use salt or sand bags to weigh down the bed. Good catches...thank you.

Tacoma - I'll be snooping on those now. Thank you.
by jbreittling
Tue Oct 02, 2012 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Used pickup truck advice
Replies: 17
Views: 998

Used pickup truck advice

I'm in the market to pick up a used pickup truck as I'm moving back to the cold, snowy midwest. My little car doesn't do well past 2 inches of snow and I'm not going to deal with getting stuck issues again. That's a promise I made to myself when I considered moving back to the snow. I have 0 persona...
by jbreittling
Tue Oct 02, 2012 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Used pickup truck advice
Replies: 17
Views: 998
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