Search found 115 matches

by jbreittling
Tue Sep 29, 2015 7:03 pm
Forum: Investing - Theory, News & General
Topic: What are you up to for the past 24 months?
Replies: 19
Views: 1899

Re: What are you up to for the past 24 months?

What do you mean by "up"? Is that an internal rate of return investment? Is that calculated by an XIRR() algorithm? Does it include the effects of new contributions? Withdrawals? What is the asset allocation? 100% Money Market? 100% Emerging Markets? Did Fidelity report an annuallized ret...
by jbreittling
Thu Sep 10, 2015 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification on Asset Allocation
Replies: 18
Views: 957

Re: Clarification on Asset Allocation

livesoft wrote:
jbreittling wrote:Could you clarify from what book this example comes from...or is this just a personal opinion? If it's from a book, I definitely want to read that book.

Personal opinion. Should I write a book and put that in it?


Yes, I think that would be a great idea. I'd buy a copy for sure.
by jbreittling
Thu Sep 10, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification on Asset Allocation
Replies: 18
Views: 957

Re: Clarification on Asset Allocation

Here is another way/test of your asset allocation: Your percentage of equities is the percentage that when the markets drop big time that you can comfortably and perhaps with glee rebalance back to even in the face of doom and gloom. For example, if the stock market dropped 30% tomorrow, would you ...
by jbreittling
Thu Aug 27, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 25380

Re: TLH for absolute dummies [Tax Loss Harvesting]

livesoft wrote:I wish to congratulate you for doing your own research and getting the answer to that last question you posed.

And you can use carryovers to offset short-term gains, too. Even in retirement.


+1...well done!
by jbreittling
Thu Aug 27, 2015 7:35 pm
Forum: Investing - Theory, News & General
Topic: Bounced back too quick
Replies: 34
Views: 6752

Re: Bounced back too quick

It was to be expected based on past history and back testing. If it had not bounced back so quickly, that would have been an anomaly. I think one can believe that the Vanguard managers of the LifeStrategy and TargetRetirement funds were doing rebalancing this week … maybe even twice (going and comi...
by jbreittling
Mon Aug 24, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: 40 years with MegaCorp...Retiring Friday
Replies: 22
Views: 3859

Re: 40 years with MegaCorp...Retiring Friday

Congrats indeed! I would love to hear any words of wisdom you'd want to share with the board. You made it, so any words would be very much welcome.
by jbreittling
Mon Aug 24, 2015 8:09 pm
Forum: Investing - Theory, News & General
Topic: Megan McArdle, Boglehead
Replies: 6
Views: 1216

Re: Megan McArdle, Boglehead

livesoft wrote:It is an OK article. She writes about selling and holding. She does not write about buying nor tax-loss harvesting nor rebalancing. It is as if there are only two choices on a day that the market drops a lot: sell or hold. There are other things to do which she neglects.


Yeah, totally.
by jbreittling
Mon Aug 24, 2015 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 4193

Re: 2008 all over again...

For me and my family, I hope the OP's subject is correct. I plan to take my cash and start throwing, yes throwing, it into the market. Dollar cost average on the way down as nobody can catch a falling knife. My time horizon is still more than 15yrs, so only time will tell if this is going to pan out...
by jbreittling
Thu Aug 20, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 11430

Re: anyone treating this as an RBD (really bad day)

At what age, or at what status (in retirement, closing in on retirement, a decade from retirement, two decades from retirement, etc.) is this 'good news' vs. 'bad news'? I imagine for those in retirement and no longer contributing to their retirement funds, this was a not-so-good day. Would anyone d...
by jbreittling
Tue Aug 18, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Behavioral Interview for Leadership Posistion
Replies: 32
Views: 4301

Re: Behavioral Interview for Leadership Posistion

there are 7 people with high ranking titles that will be attempting to catch you off guard They're probably not, actually. They want to get a good person in this position just as much as you want to fill it for them. In a healthy interview environment, it is not an adversarial situation. Everyone i...
by jbreittling
Mon Aug 17, 2015 6:34 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 6027

Re: Robinhood - opinions

Thanks to everyone for their thoughts and opinions. And for the correction re: Snoop Dogg's real name. After reading through the replies, I now have formed an opinion whether to use the app or not. Thanks again everyone.
by jbreittling
Sun Aug 16, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 6027

Re: Robinhood - opinions

You say you understand that trading actively is not a good idea. I agree that it is a bad idea because it has the same odds as gambling (nobody knows,etc). Bad odds. Gambling 5% of your money is gambling 5% of you money. I can trade Schwab ETFs for free at Schwab, but I have found trading usually i...
by jbreittling
Sun Aug 16, 2015 5:03 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 6027

Robinhood - opinions

I understand that trading actively is not a good idea. However, I need to ask this forum - if someone is allocating 5% of their disposable income to personal stocks, is using Robinhood a good idea? It sounds as though it really is 'free' to place trades. I visited their website and discovered how th...
by jbreittling
Tue Aug 11, 2015 8:17 pm
Forum: Investing - Theory, News & General
Topic: Buffett: Stocks Will Be Much Higher
Replies: 25
Views: 5383

Re: Buffett: Stocks Will Be Much Higher

As soon as someone is able to predict the future I'll be the first to listen. Until then, we all take risk and hope for the best.
by jbreittling
Tue Aug 11, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: The case of the exploding vehicle sunroofs
Replies: 31
Views: 4063

Re: The case of the exploding vehicle sunroofs

This was also the case on some BMWs and was traced to a bad batch of glass. Roofs were exploding when passing under bridges (pressure differential). Covered by the warranty. Sunroofs are awesome. I will take my chances just like I will with everything else in life (and don't forget to carry adequat...
by jbreittling
Tue Aug 11, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 8621

Re: Your First Job

15yo - Bonanza restaurant. Busser & dishwasher - clearing dishes, washing dishes, stacking dishes. Wish I would have started working at a younger age though...I think 15 was a few years later than I could have/should have taken on real responsibility.
by jbreittling
Mon Aug 10, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commission
Replies: 11
Views: 1248

Re: Real Estate Commission

"I, too, find it really difficult to give a realtor $12K to do something I can do." I would too. Considering today's marketplace for real estate which appears to be nothing but a sellers market, I'd negotiate with any "realtor" for a lesser take. It's kind of a fish in a barrel m...
by jbreittling
Wed Aug 05, 2015 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Hypothetical - i401k rollover to SEP IRA
Replies: 12
Views: 651

Re: Hypothetical - i401k rollover to SEP IRA

I'm glad I posted the response I received from Vanguard's rep. It looks like I need to find another option. It's time to do some more research. Thanks everyone.
by jbreittling
Tue Aug 04, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job as a software developer?
Replies: 54
Views: 5977

Re: How to get a job as a software developer?

Look for entry-level jobs. Try contracting. Temp-to-hire. Put your resume on Dice, Monster, etc. Also try setting up a linkedin account. Make it look very professional. Include your skillset: Java, SQL, etc. I have recruiters bugging me all of the time from linkedin. During your down time, update y...
by jbreittling
Tue Aug 04, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical - i401k rollover to SEP IRA
Replies: 12
Views: 651

Re: Hypothetical - i401k rollover to SEP IRA

My apologies for the delay getting back to this thread. I was finally able to carve out a few minutes to call Vanguard. I spoke with a gentleman in the i401k area. It's still kind of ambiguous, but here's what I learned. I can indeed roll my i401k over into my SEP IRA. However, in order to do so, I ...
by jbreittling
Wed Jul 29, 2015 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical - i401k rollover to SEP IRA
Replies: 12
Views: 651

Re: Hypothetical - i401k rollover to SEP IRA

Thanks for the replies everyone. I tried calling Vanguard today but didn't have the time to hold. And I've just missed them tonight (lines close at 8pm EST for retirement services). I will respond to this thread after I've had a chance to talk with Vanguard about my question. Still happy I'm not the...
by jbreittling
Tue Jul 28, 2015 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical - i401k rollover to SEP IRA
Replies: 12
Views: 651

Re: Hypothetical - i401k rollover to SEP IRA

I haven't called them but I may need to do so tomorrow. Many times when I'm reading threads I see so many other great ideas I thought this may be one to spark some opinions from folks while at the same time providing some great education. I'm glad I'm not the only one who sees this as a worthwhile q...
by jbreittling
Tue Jul 28, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical - i401k rollover to SEP IRA
Replies: 12
Views: 651

Hypothetical - i401k rollover to SEP IRA

I haven't been able to find this information on vanguard's website so I thought I'd ask the board. Hope you all don't mind. I have a SEP IRA with vanguard. I opened an i401k this year with Vanguard as well with the idea of contributing more to my retirement d/t anticipated increases in revenue. So f...
by jbreittling
Mon Sep 29, 2014 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 4924

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
Sat Sep 20, 2014 8:13 pm
Forum: Personal Consumer Issues
Topic: Identity theft protection
Replies: 9
Views: 1106

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
Wed Aug 20, 2014 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 3087

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
Fri Aug 01, 2014 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a home (little more than $500K)
Replies: 28
Views: 5018

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 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I become a CFP?
Replies: 27
Views: 4753

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 7:42 pm
Forum: Personal Consumer Issues
Topic: Cheap Carnival Cruises
Replies: 21
Views: 3360

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 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about HSA
Replies: 9
Views: 689

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
Tue Jul 29, 2014 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3920

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 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3920

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 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3920

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 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 10
Views: 1701

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 22, 2014 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 10
Views: 1701

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
Wed Jul 16, 2014 7:47 pm
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4905

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 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 18
Views: 4925

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 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should We Buy a Retirement House Now?
Replies: 11
Views: 1810

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
Sat Jul 12, 2014 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Will I get premium tax credit or not ?
Replies: 6
Views: 1068

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
Wed Jul 09, 2014 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: How secure are Vanguard/Fidelity Apps?
Replies: 14
Views: 2691

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
Sun Jul 06, 2014 8:08 pm
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 6430

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 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: How secure are Vanguard/Fidelity Apps?
Replies: 14
Views: 2691

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 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 19321

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
Thu Jul 03, 2014 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in an HSA
Replies: 10
Views: 1191

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
Mon Mar 17, 2014 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Buy and hold or keep adding
Replies: 6
Views: 768

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
Fri Feb 07, 2014 9:20 pm
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 8344

Re: $25K Budget for a Fun Car

Jaguar, XJ6
by jbreittling
Sun Feb 02, 2014 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Entire Retirement Portfolio in One Stock
Replies: 32
Views: 3215

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
Sat Jan 18, 2014 8:38 pm
Forum: Personal Consumer Issues
Topic: More from Target?
Replies: 33
Views: 2444

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
Fri Nov 15, 2013 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. I'm not qualified.
Replies: 13
Views: 1244

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 ...

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