Search found 44 matches

by IntangibleAssets
Sat Dec 01, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3404

Re: Ally CC Offer

2.2% cash back on gas and groceries only, 1.1% on everything else is pretty terrible. I'm using BoA premium rewards and BoA cash rewards with platinum honors. This setup gives: 5.25% for gas 3.5% for travel, dining and grocery 2.625% for regular spend I also received $762.50 in new cardmember bonus...
by IntangibleAssets
Thu Nov 22, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: your best advice [retirement planning]
Replies: 4
Views: 1186

Re: your best advice [retirement planning]

I agree with the other posters that it's probably doable and you need to crunch/track your actual expenditures over the past 3-4 years if possible. Is there any reason you prefer the HSA as opposed to putting those funds into your IRA? Are those your actual healthcare expenses? One thing that stood ...
by IntangibleAssets
Wed Nov 21, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 35
Views: 3082

Re: Fidelity CMA + MMF vs. online credit union

If you want 100% of your money in a MM fund, use the brokerage account for checking, or setup deposits to the brokerage and debits from the CMA using overdraft mode. Personally I just use the CMA like a regular checking account, except I keep an extra 10k in SPRXX there (with dividend reinvestment ...
by IntangibleAssets
Wed Nov 21, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 35
Views: 3082

Re: Fidelity CMA + MMF vs. online credit union

Hey a question since I find the CMA and the description online quite confusing. So if I have the checking/cma account, to optimize my money: 1) The Core fund I cant change to a higher yielding MMF, so I keep it as $0 2) Buy FTEXX or SPRXX or whatever MM fund I want When a debit hits the account, Fi...
by IntangibleAssets
Wed Nov 07, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7632

Re: Move savings to Prime Money Market Fund (VMMXX)

It's been perfectly fine for me, made the switch ~ 5 months ago, interest gained as opposed to our local B&M CCU was an eye opener (nothing wrong with CCU's and FDIC, I just think the risk is very minimal in VMMXX) Small tangential -- I didn't want to open another thread. Moving funds from VMMXX to ...
by IntangibleAssets
Sat Nov 03, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3504

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

Mine stays in the CMA. I have to manually buy the core position --SPRXX currently 1.99% yield

Makes everything easy for me as I like to keep stuff simple and the 2% CB/2% interest earning is enough for me.
by IntangibleAssets
Sat Nov 03, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1838

Re: Buying a mini-van

We have 2 kids slightly older than yours and have a sienna and small SUV (RX330) the minivan is hands down the winner in all aspects of life you mentioned, massive hauling space/ ingress-egress of kids/ multiple people hauler/ etc.....also kids and sliding doors> kids and normal car doors. edit - MP...
by IntangibleAssets
Wed Oct 31, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of Vanguard Money Market funds to Checking
Replies: 2
Views: 414

Transfer of Vanguard Money Market funds to Checking

Hello fine bogleheads, I have a question I can't seem to find the answer anywhere, I tried searching several different variations, and just wanted some advice. I have my emergency funds stashed away in a vanguard brokerage acct in VMMXX. My question is if or when I need to access them/transfer them ...
by IntangibleAssets
Fri Sep 14, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3244

Re: Father Wants a Home Mortgage (Bad Credit Score)

This was fascinating, glad it worked out, but that might be the most expensive 130k house in history :happy :happy
by IntangibleAssets
Wed Sep 12, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 65
Views: 8380

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Hi All, Thanks for your help again, really appreciated! I just want to make sure I'm understanding it all correctly. hypothetical Ex: My CMA has $100 in the MM fund earning 2% ---> I pay my CC bill from this account $50 ------> then decide to replenish from bank account to the CMA and MM and add an ...
by IntangibleAssets
Sun Sep 09, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8772

Re: Can Sneakers go with Business Casual?

You can get comfortable, business casual style sneakers for your feet that aren't athletic shoes. Just an example:https://www.johnstonmurphy.com/men-shoes-sneakers "McGuffy Lace up" Frankly once you break in some nice leather loafers with leather soles they are as comfortable as anything else. I re...
by IntangibleAssets
Sat Sep 08, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2227

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

Sienna and older lexus:

1. "free" wash with every oil change at the Toyota dealer (~5-10k miles between changes), they match coupons so it usually is what I consider "free"

2. About 4 times a year with kids
by IntangibleAssets
Sat Sep 08, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1386

Re: Cheapest way to buy phone for T-mobile

try the website swappa for decent deals as well, you can even hone in on tmobile only
by IntangibleAssets
Sat Sep 08, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5943

Re: Subaru: Crosstrek or Outback?

My SIL has a crosstrek; we have 2 kids similar in age to yours. If you plan to keep this car long term I would tend toward the Outback; the Crosstrek is very small and cramped, ingress and egress with kids, assume carseat for a few more years would be a PITA to me in the crosstrek, I have an older R...
by IntangibleAssets
Sat Sep 08, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2352

Re: Video Game Collection

If anyone approached even 1/5th of that figure I would sell them :D maybe picking out one or 2 that were sentimental. Anecdotally, I also played magic the gathering and am planning to keep a few cards that I really enjoy artwork or similar on and sell the rest while there is still a market for them.
by IntangibleAssets
Sat Sep 08, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7319

Re: Daily Driver (Car) Over 100K Miles?

Been there a few times: 1996 Camry (sold @123K) 2001 4Runner (Sold @160K - Still regret that, best Car I ever had, easy to maintain) 2004 - RX330 Current- 91K still a baby. As I'm getting older and with kids, I'm actually much more interested in pursing incremental upgrades for safety (additional ai...
by IntangibleAssets
Sat Sep 08, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8772

Re: Can Sneakers go with Business Casual?

You can get comfortable, business casual style sneakers for your feet that aren't athletic shoes.

Just an example:https://www.johnstonmurphy.com/men-shoes-sneakers

"McGuffy Lace up"

Frankly once you break in some nice leather loafers with leather soles they are as comfortable as anything else.
by IntangibleAssets
Sat Sep 08, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3852

Re: Mold in house and insurance won't cover - options?

I wouldn't involve insurance, and might recommend trying to get an additional quotes if you can get them cheaply before that large of an outlay. Why not involve insurance? A letter from lawyer to the insurance may help get something. Why not pursue that? If I'm reading correctly, it sounded like yo...
by IntangibleAssets
Sat Sep 08, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4935

Re: Buying a new Toyota Camry. What extra options if any?

Do you think the prices at this site are for real? https://www.cars.com/for-sale/searchresults.action/?clrId=27124&mdId=20800&mkId=20088&page=1&perPage=20&rd=20&searchSource=GN_REFINEMENT&showMore=false&sort=relevance&stkTypId=28880&trId=24182&zc=30083 You might look on Autotrader.com as well. Some...
by IntangibleAssets
Sat Sep 08, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4935

Re: Buying a new Toyota Camry. What extra options if any?

Don't drive the v6 - it isn't an option on the LE. And after you drive a v6 it is hard to want the 4 cylinder. The 4-cyl is underpowered. But I hear you can get it going 80mph going down a mountain. I suppose pwr/underpowered is personal and probably terrain driven, but the 4cyl has something like ...
by IntangibleAssets
Sat Sep 08, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3852

Re: Mold in house and insurance won't cover - options?

$675 does seem quite excessive (idk your area, we are LCOL), we recently had a full visual house inspection done for $45. We knew there was some mold in our house, and called around several reputable places (Reviews, BBB, Angieslist, etc) to get quotes. The place that stuck out to us said "if you ca...
by IntangibleAssets
Sat Sep 08, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4935

Re: Buying a new Toyota Camry. What extra options if any?

Looks like the 4 big options on LE's were: Blind Spot Monitor - I would 100% have this option Convenience Upgrade- Push start/ keyless entry etc. - I enjoy it Audio Upgrade - qi charging, bigger/ "better" screen etc. - not a must for me Moon roof - Not a must for me Google - 2018 Toyota Camry Featur...
by IntangibleAssets
Sat Sep 08, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 46
Views: 4163

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

= Can you share your thoughts on anything I should take into account regarding “luxury/pre-owned/Mercedes/buying cash/etc”??? OP, I have owned Mercedes AMG (and non-AMG) as well as BMW (Land Rover, Lexus, Audi, among other brands). I would say it is highly likely with an AMG or BMW that you are put...
by IntangibleAssets
Mon Sep 03, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 65
Views: 8380

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Thanks! Does anyone have any experience keeping it all straight in terms of cost basis for tax purposes or am I over-thinking it? For example since I plan to charge almost everything to my card now I anticipate the account will fluctuate as I use/replenish.... It's a money market fund so unless som...
by IntangibleAssets
Sun Sep 02, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 65
Views: 8380

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Do I Just go to Trade, select the CMA account ---> Type in the symbol, (ex: SPRXX) ---> Action (buy) ---> Amount: $xxxxx Then this is automatically in my CMA? Then if I understand correctly...when I need to pay my CC balance and I pay with the CMA account the SPRXX funds will automatically be sold ...
by IntangibleAssets
Sun Sep 02, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 65
Views: 8380

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Good Afternoon Fellow Bogleheads, I recently signed up for the Visa 2% CB card and obviously had to open a CMA as part of that. Being very new to the fidelity site would it be possible for someone to explain the step by step process of buying the funds in the CMA there? Do I Just go to Trade, select...
by IntangibleAssets
Mon Aug 06, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Year Retirement Health Check
Replies: 4
Views: 1042

Re: 2 Year Retirement Health Check

Thank you so much for the response! Yes, looking at this it makes a lot of sense. To clarify question 1 further, should the 457b be prioritized for maxing out over the 403b owing to the no-penalty for early withdraw? While DH can contribute to both he is only able to max out one per year. -IA All o...
by IntangibleAssets
Mon Aug 06, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Year Retirement Health Check
Replies: 4
Views: 1042

Re: 2 Year Retirement Health Check

... Questions/thoughts: Question: Is there any reason not to max out a governmental 457 plan instead of the 403(b)? Same options provided for both through fido, DH opened and can contribute ~$300/mo to it, but given the 59 1/2 penalty vs no penalty if we retired at say 55 is there any reason not to...
by IntangibleAssets
Thu Jul 26, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: 2 Year Retirement Health Check
Replies: 4
Views: 1042

2 Year Retirement Health Check

Emergency funds: $49.5k total $16k, Ally Savings 1.75%, 18.5K, Vanguard Money Market (VMMXX - current 2%) and $15k, brick/mortar bank .01% Debt: None (house and cars paid off) Tax Filing Status: Married Filing Jointly Tax Rate: 22% Federal, 6% State, and 2.75% county occupational tax (which is 2.25%...
by IntangibleAssets
Thu Sep 29, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) vs Taxable Account? Which is better?
Replies: 5
Views: 1181

457(b) vs Taxable Account? Which is better?

Hi all, I have the option of joining my governmental 457(b) plan but can't help but wonder if this is better than a taxable account. After all, retirement accounts are taxable in some way (pre tax or post tax). Lets say I invest $1,000 a month into my 457(b). Yes, I get $1,000 less a month in taxabl...
by IntangibleAssets
Tue Sep 27, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

We just wanted to thank everyone for your thoughtful and helpful advice as we move towards the retirement goal! I'm sure we will be asking for more advice in the future.

All the best.

IA
by IntangibleAssets
Mon Sep 19, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

Could you please list the totals in each account like this- Stock account at xxx company, $36k, aa% of total Cash available for investing, $???, bb% of total His 403b, $48k, cc% of total Her 401k, $???, dd% of total Her Roth IRA, $???, ee% of total His Roth IRA, $???, ff% of total Total = $????, 10...
by IntangibleAssets
Mon Sep 19, 2016 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

Hello, We had a question about the $18,000 annual contribution limit in regards to the 403b option for individual, and $53,000 limit "combined" elective and non-elective. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits DH employer has a mand...
by IntangibleAssets
Mon Sep 19, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

Hello, We had a question about the $18,000 annual contribution limit in regards to the 403b option for individual, and $53,000 limit "combined" elective and non-elective. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits DH employer has a manda...
by IntangibleAssets
Thu Sep 15, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

For most people traditional 403b or 401k contributions are usually better than Roth contributions. Will either or both of you be eligible for a significant pension? That would change the Roth versus traditional analysis. Is there an employer match offered in her 401k? If so what is the employer mat...
by IntangibleAssets
Wed Sep 14, 2016 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

So we reviewed DH's options! Fidelity was doing active work management, so he canceled that immediately, but now he's left with a mess to clean up they had us in no less than 22 funds. He has to wait 90 days on some accounts to trade to avoid some penalties, but regarding future contributions (and ...
by IntangibleAssets
Wed Sep 14, 2016 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

So we reviewed DH's options! Fidelity was doing active work management, so he canceled that immediately, but now he's left with a mess to clean up they had us in no less than 22 funds. He has to wait 90 days on some accounts to trade to avoid some penalties, but regarding future contributions (and c...
by IntangibleAssets
Fri Sep 09, 2016 8:50 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

I agree that you guys are doing very well for a young couple. One of my questions - as a married couple with income of 110k, you really should have more than about 6k per month after taxes. Did you really pay over 30% between state and federal, as that seems high? If you aren't scared by stocks and...
by IntangibleAssets
Fri Sep 09, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

Welcome to the forum :) . You are doing very well. How much is being contributed annually to his 401k? What are the investments in his 401k? What are the lowest expense ratio funds offered in his 401k? Please give fund names, tickers, and expense ratios. You can simply add this to your original pos...
by IntangibleAssets
Fri Sep 09, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

I would hold AIG and the warrants. This not a stock forum, but if you believe in buying steak when its on sale, I'd at least hold it (trades a bit more than 70 cents on the dollar). What are your gains in the stock right now? Liquidating it with large gains could increase your tax liability. Even i...
by IntangibleAssets
Fri Sep 09, 2016 8:34 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

You have a large emergency fund with something like 70K in cash. I would like to see the total amount in cash (checking/savings) around $20K, but if your partner wants that to be $40K, I would agree to that insofar that it helps with his comfort investing the rest. Your savings rate is good, but th...
by IntangibleAssets
Thu Sep 08, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

IntangibleAssets , welcome to the forum. $36k worth of stocks in AIG/AIG.WS....(obviously did not diversify...) Consider liquidating this. Do I really need to liquidate the AIG stock? I have 266 of the AIG.WS which expires January 19, 2021. They allow the holder to purchase shares of AIG stock at $...
by IntangibleAssets
Thu Sep 08, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

Re: New to here. Need help with retirement planning.

Anything else we need to do to save for retirement....and an initial goal of hitting the $1M mark by age 55? Any advice (criticism/positive) would be appreciated! Your husband is contributing to a 401k plan. Is he maxing it? Does he also contribute to an IRA? You are planning to contribute to a Rot...
by IntangibleAssets
Wed Sep 07, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3161

New to here. Need help with retirement planning.

Hi, we both are 31 years old with 2 toddlers. House is paid off ($380-$410k worth), cars (15 year old and 2 year old cars) paid off, no debt, and we immediately pay off credit card balances each month. Basic household bills along with internet...no cable. DH makes $63k/yr and I make $46k/yr. Out of ...