Search found 63 matches

by IntangibleAssets
Tue Jun 11, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21365

Re: Can I afford this 2.3 million dollar home?

With respect to the discussion RE: incomes, there have been several higher NW (including persons making more than OP) that have urged restraint and caution. Naturally persons with lower incomes would be cautious, I'd say there is definitely a fine balance to be made in terms of collective consequen...
by IntangibleAssets
Tue Jun 11, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21365

Re: Can I afford this 2.3 million dollar home?

With respect to the discussion RE: incomes, there have been several higher NW (including persons making more than OP) that have urged restraint and caution. Naturally persons with lower incomes would be cautious, I'd say there is definitely a fine balance to be made in terms of collective consequenc...
by IntangibleAssets
Tue Jun 11, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 3873

Re: 15K CAR with comfortable seats and quiet

I would also advocate for:

Lexus ES 300h

Toyota Avalon Hybrid

Camry XLE hybrid

All of these would meet the the criteria, the first 2 being more quiet. Gas mileage would be good as well.
by IntangibleAssets
Wed Jun 05, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4755

Re: Company requiring salaried employees to clock in?

Good Topic, lots of employee vs. manager perspectives Tardiness and not coming in at your assigned scheduled work hours causes many more issues other than "maybe they aren't 'actually' working even if they come in on time", it can become insidious to their peers and create a poor work environment (i...
by IntangibleAssets
Sat Jun 01, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 51709

Re: What is/ was your career and would you recommend it now?

I am in Grant Management (Research Administration) in Higher Ed, I had no intention to set out on this path however it offered a clearly defined job path and you can learn a lot of useful skills. It is all about deadlines and client service, tedious detail, and contract review and negotiation, and c...
by IntangibleAssets
Sat Jun 01, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do BH define Cost of Living Cities
Replies: 48
Views: 2642

Re: How do BH define Cost of Living Cities

I think the COL index is meaningless unless you're a new arrival. Long term homeowners in nominally HCOL cities usually have much lower costs than suggested by the index. Certainly true in the SF Bay Area, where only the newcomers are paying the insane $3-4k/month for an apartment, which is presuma...
by IntangibleAssets
Fri May 31, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How do BH define Cost of Living Cities
Replies: 48
Views: 2642

Re: How do BH define Cost of Living Cities

Thanks all, I agree there is probably not one great site. For example my city is right around 100 in that index and I think of it as LCOL to VLCOL, would never occur to me to be a MCOL city but maybe I'm just out of touch!

I visit NYC/LI regularly and it is noticeably more expensive
by IntangibleAssets
Fri May 31, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Allocation question
Replies: 4
Views: 369

Re: Allocation question

Hi there, I'd like people's opinions on my current situation as well as any ways they would play their hand different. I am FIRE at the age of 38. I currently own (no mortgages) 1 primary residence, 2 rental properties, and a diversified index fund portfolio. I also have cash. My children are young...
by IntangibleAssets
Fri May 31, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do BH define Cost of Living Cities
Replies: 48
Views: 2642

How do BH define Cost of Living Cities

This is something that has been interesting to me for awhile reading several threads. Everyone has opinions all over the place. How are most BH defining their COL where they live? I usually use this site to gauge: https://www.bestplaces.net/cost-of-living/ I guess I would consider 95-115ish a MCOL s...
by IntangibleAssets
Fri May 31, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 14416

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

I am quite surprised at some of the responses giving advice on how the OP could convince his family to do certain things or structure the assets. I try to take OPs, in general, at face value. It does not seem implausible that the parents are unsophisticated with regard to equities. Taken at face va...
by IntangibleAssets
Mon May 20, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What can a $120K spending budget do in early retirement years?
Replies: 22
Views: 3647

Re: What can a $120K spending budget do in early retirement years?

large U.S. based house in a low cost of living area. How large a house? Ours is probably rather small by most people's standards on this forum: about 2000 sf, 3 bd, 2 ba, detached carport, smallish lot. (3) $15,000, home (property tax, insurance, repairs), For us, $2,000-$2,500 for property tax and...
by IntangibleAssets
Mon May 20, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14329

Re: FIRE - What am I missing in the News Stories

Seems to me that most of the young, FIRE types are just hippies mooching off others and calling it retirement. Sleeping on someone else's couch isn't financial independence. Can you provide any examples of mooching? Yes. I can. Here's a good example of what I mean. I just finished a book from the l...
by IntangibleAssets
Mon May 20, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 5964

Re: At what NW do I have disposable income?

This reminds me of a thread I was reading a few weeks ago(note it was tongue-in-cheek) Poverty FIRE - "....In 2018 the US the poverty level for a single individual was $12,140. With a 4% SWR that means if you have $303,500 in savings/investments then you're essentially set to live the rest of your l...
by IntangibleAssets
Thu May 16, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4080

Re: Reservations about job offer

If the money's there, who cares? I was titled Lead Technologist for a specific technology for a multi billion dollar company. They came to me and said they were splitting the position (project manager plus individual contributor) into an actual manager position plus an individual contributor positi...
by IntangibleAssets
Thu May 16, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4080

Re: Reservations about job offer

If 2 persons on the team were actively competing for the job offer you are contemplating, they will likely feel resentment at a newcomer, that will be something you would have to overcome. Also you specifically stated you want to get into management, the job they are offering you at present does not...
by IntangibleAssets
Thu May 16, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Auto and home insurance
Replies: 10
Views: 891

Re: Auto and home insurance

I would up the homeowners to full replacement for dwelling...new construction is not cheaper.

You might look into an umbrella policy as well for additional insurance protection for your other assets.
by IntangibleAssets
Fri Jan 11, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78068

Re: Fidelity as a one stop shop

This line in the "terms and conditions" for "Fidelity Rewards Visa Signature Card" stopped me from proceeding with it - 6. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain co...
by IntangibleAssets
Fri Jan 11, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78068

Re: Fidelity as a one stop shop

This line in the "terms and conditions" for "Fidelity Rewards Visa Signature Card" stopped me from proceeding with it - 6. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain co...
by IntangibleAssets
Thu Jan 10, 2019 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management Account - Investments
Replies: 20
Views: 2438

Re: Fidelity Cash Management Account - Investments

Just go to Trade, select the CMA account ---> Type in the symbol, (ex: SPRXX) ---> Action (buy) ---> Amount: $xxxxx

Then this is automatically in the CMA

When I need to pay my CC balance and I pay with the CMA account the SPRXX funds are automatically be sold to pay the balance.

Can confirm.
by IntangibleAssets
Sat Dec 01, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3643

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: 1216

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: 3849

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: 3849

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: Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 9455

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: 48
Views: 3974

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: 1934

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: 437

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: 3362

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: 72
Views: 13906

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: 9239

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: 2269

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: 1417

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: 6301

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: 2440

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: 7447

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: 9239

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: 3919

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: 5224

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: 5224

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: 3919

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: 5224

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: 4385

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: 72
Views: 13906

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: 72
Views: 13906

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: 72
Views: 13906

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: Personal Investments
Topic: 2 Year Retirement Health Check
Replies: 4
Views: 1053

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: Personal Investments
Topic: 2 Year Retirement Health Check
Replies: 4
Views: 1053

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: Personal Investments
Topic: 2 Year Retirement Health Check
Replies: 4
Views: 1053

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: Personal Investments
Topic: 457(b) vs Taxable Account? Which is better?
Replies: 5
Views: 1320

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: Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 28
Views: 3214

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