Bogleheads.org

slyfox1357

I see a common thread here, most everyone cites mother/father/grandparents, which is awesome to have that great early start and foundation for starting your financial journey. Never had that, not in the least. I had parents (and actually most relatives) who were middle class and lived like they were...

slyfox1357

Your manager is just an intermediary, leave him/her out of the discussion. The reimbursement is coming from your company's budget, not your department's budget. Most companies have guidelines around what is and isn't permitted, timing of applying, and reimbursement parameters (i.e. it will get paid ...

slyfox1357

You get full coverage for the entire month (regardless of when you leave), so this was to cover a full months worth of deductions as thius is your final paycheck. I've had the same thing happen.

slyfox1357

70/30 would still seem right but 50/50 if risk tolerance has significantly dropped. What path you and your spouse take in terms of jobs and associated income/year would then be factored in as the years go by. 'Risk tolerance plummeted to zero' is not 50/50 allocation, not by a long shot but I guess ...

slyfox1357

There's no decision to be made at this time. The first set amount stays in cash, per guidelines from Fidelity. The second part, just keep in cash to fund your out of pocket deductible. To reach the third part is many months away, if not a year or so away. Even then, the answer is just put that overa...

slyfox1357

This is one of those 'I'm doing something I know I can't do but let me try to justify it and hopefully I'll get some support and that'll build my confidence' plays. Not sure you'll get what you're looking for here. Ditto - It's a no from me. Almost, though I must say I'm surprised by the responses....

slyfox1357

This is one of those 'I'm doing something I know I can't do but let me try to justify it and hopefully I'll get some support and that'll build my confidence' plays. Not sure you'll get what you're looking for here. Ditto - It's a no from me.

slyfox1357

You guys aren't on the same page as far as finances are concerned. Regardless of whether she has overspending issues, as was mentioned already this is not a financial issue, it's a huge, deep, yawning chasm of a relationship problem. You and your wife need to get to a counselor to BOTH get some unb...

slyfox1357

I don't think you understand the value of money until/unless you work for it. She is being infantalized by being given an allowance. The fact that she conceptualized your mutual retirement savings as "sending money to Fidelity" tells me that her relationship with money is not aligned with...

slyfox1357

I live in San Diego and Temecula is a good choice (hits on many of your factors)...so are other areas east and north of San Diego proper. You won't find that one unicorn spot so weight each one of your factors from 1-10, then score some places and see what place gets the highest score. Choose from t...

slyfox1357

I was pushed out of a private sector IT role in my early 50's (20+ years experience) then took a similar job with an IT consultancy firm that supports all levels of government. Pros - BIG pro - your work is MUCH more constrained to a 40 hour work week, 100% work remotely, much less stress, much less...

slyfox1357

Say I need 10k wRVU to bonus, and my bonus will earn me 50k for every 1k wRVU My bonus is calculated and paid once a year. I have earned 12k wRVU for the year as you say, but when they calculate the bonus in January, they are missing the last two months of the year. So they say I have earned 10k wR...

slyfox1357

'Regardless, my job is pretty chill. I show up around 8:30 and can leave by 4 most days. No call and no weekends. No travelling to outreach clinics.' 'And my job isn't always cushy. I'm here till about 8-9 PM tonight because that's the way it goes sometimes trying to do the right thing for the patie...

slyfox1357

Yes, $135k will come from IRAs and from wife’s social security and my pension. Some observations If I understand correctly, within your 60-70 timeframe, your wife's SS is only applicable the last 2 years and your pension is only applicable the last 5 years. That 135k/year is then a huge drag on you...

slyfox1357

This topic might well be worth a separate message thread. I'll reiterate that the net-worth progressions here--many of which show figures doubling and tripling year in and year out--have little to do with index investing. I'm not sure that the posters on this site understand that. [ quote fixed by ...

slyfox1357

Discuss the two topics separately. Pay off the CC debt and the 401k transfer. For 5 or 6k, can't he just tighten the belt on his budget and pay them off out of his pay over a month or two?

slyfox1357

Chicken Little wrote: ↑Sat Aug 29, 2020 2:00 pm
jfn111 wrote: ↑Sat Aug 29, 2020 8:36 am
gmc4h232 wrote: ↑Sat Aug 29, 2020 7:10 am Sell everything, pay off debt. Keep 100k in cash and tell old dad to work his magic again.
+1
+1

+1

slyfox1357

Not much in your perspective on work can really be debated, but that doesn't mean you're ready to retire. Not the 'wait until 10M or 65' or the '25x expenses' stuff, just too many poor assumptions and lack of details that result in a low certainty of longevity of funds. Yeah, you can always go back ...

slyfox1357

Nope, only with my wife. Some around me have found other 'expert's' around to guide them. More like 'the blind leading the blind', but NOMB. There are several comments that mention others should just spend '5 hours' learning what to do, just 'google it', things like that, as if knowledge is simple, ...

slyfox1357

So sorry to hear this and best wishes to you. You are getting solid financial advice, no need to reiterate a lot of it. I would add, create your bucket list, allocated a $ to it and get after it, enjoy those precious moments you have left with your loved ones, Memories you leave for them are pricele...

slyfox1357

Every other Friday, roughly 2x a month works for us. Not too frequently, not too infrequently.

slyfox1357

Your options are to allow the appraiser inside or to go with one of the other two companies that are willing to waive the appraisal. Personally, I'd pay a little bit more for one of the companies willing to waive the appraisal, but I have a very high-risk family member in a wheelchair, so we're not...

slyfox1357

No go here either, spend about 2.5k/month, 90% Amazon or Amazon Grocery

slyfox1357

I generally disagree with all of your points/rules. Similar to Travel Geek I make sure I get more value per year from my card than it costs me. This value assessment is irrespective of AF, not simply limited to 'cash back' value, only partially correlated to 'Travel', I don't own a business, you get...

slyfox1357

Deleted

slyfox1357

Get out while the getting out is still good. Danger, Will Robinson, danger!

slyfox1357

I just called and they offered me 30,000 points or $300 statement credit if I spend 2k in the next 90 days. Took the statement credit That's a good retention offer. Nice. This is on par with a typical AMEX Platinum retention offer. Keep in mind that they will not usually do this in consecutive year...

slyfox1357

Recruiters, friends and work friends/acquaintances who work there AND who used to work there (LinkedIn)....this should give you a good coverage.

slyfox1357

The answer is to save and live below your means. Do that and you won't be scrambling to find multiple part-time jobs to survive in your 50s. I was laid off at 53. After seven months took the only offer I received at a 50% paycut with miserable benefits. I quit after three weeks. Being retired was b...

slyfox1357

Two words - Amex Gold.

slyfox1357

Focus on the transition - you're in between jobs and getting a new job, the effect on your spending, etc... and then tackle these other topics. You may be out of work for awhile. Once back and settled in, get rid of most of that debt first. Best of luck!

slyfox1357

No. Sorry to hear about your situation, lots of griping, time to turn the page and move on.

slyfox1357

I think based on the many replies and 'not sure', 'I don't know', let me see, that you should get the full picture of their ages, income, savings, expenses, etc... Too choppy and some contradictions in there. These types of decisions should be made on a complete picture of facts. Not 60, 60's, 69..,...

slyfox1357

Other than the addressing the details regarding optimizing your approach (your retirement shift alongside your wife's working and then her retirement shift), of course you can retire now. Mentally speaking, spend some quality time to find your calling on the other side and then you'll know it's the ...

slyfox1357

Even after you said 'she doesn't want to move to have to move again in 3-5 years; everyone is still saying sell the house. Because, simple, that is the BEST move and needs to done immediately. Alongside that, as others have also suggested, she should work longer, try 5 years instead of 3. Anything e...

slyfox1357

I might be wrong but wouldn’t you still be required to pay NYC/state taxes while living in Florida but technically working in NYC? I think you’re correct. While I was working for a previously employer and living in Texas, I had to track the number of days I spent for business trips to New York ( me...

slyfox1357

corp_sharecropper wrote: ↑Mon Jun 29, 2020 10:41 pm
Amazon Prime Visa: 5% back at Amazon and Whole Foods. We get tons of stuff from Amazon and probably do about 30% of our grocery shopping at whole foods.

Amazon Prime Visa -> Don't usually see this mentioned but Amazon also has Amazon Fresh (grocery+). Great selection, prices and 5% back.

slyfox1357

Poppy1234 wrote: ↑Thu Jun 25, 2020 3:56 am Anyone have a ventahood for their rangetop vent? Does it make a clanking noise like two pieces of metal touching when you turn it off? Or when there is strong wind outside? Is this normal? If not how did you fix the issue?

slyfox1357

I am a PM professional with many PM certifications, For non PM professionals, I would say it is helpful for your career perhaps not directly linked to an immediate salary bump. Go for it, what you will learn will,be worth it. 1) No bump on salary, Chatting with others, same thing. YMMV for a non PM ...

slyfox1357

No 1099, so bonus = minimum $250 at 1 cent per point or even better when redeemed for travel. No brainer, indeed.

slyfox1357

Hello, I am working for a company with good package but at the top of my band. So I am getting very miniscule pay raise and no chance of any promotion. I could be in same place for next few years. At the same time, I have seen this company bending rules for some people to promote and even create ne...

slyfox1357

Up to $108 cash back per year, $9 per month

slyfox1357

I am in IT, around your age and know some of the dynamics you mention. The lateral move to a formal management role is a better place for you to be as you grow older in this functional area. Growth comes I the form of BOTH 'negatives' - work, responsibility, change and 'positives' - opportunity, sal...

slyfox1357

Earn 6,500 Bonus Stars with the Starbucks Rewards Visa Card. That is 43 lattes or 130 baked items. So.. my wife and I goto Starbuck on our bike rides and usually share a latte and bagel. This will come in handy and save us $$. The card won't be used after the first $500 to meet requirements to gain...

slyfox1357

Earn 6,500 Bonus Stars with the Starbucks Rewards Visa Card. That is 43 lattes or 130 baked items. So.. my wife and I goto Starbuck on our bike rides and usually share a latte and bagel. This will come in handy and save us $$. The card won't be used after the first $500 to meet requirements to gain...

slyfox1357

Easy for people to rag on the Starbucks Rewards Visa Card but signup of 6500 stars plus 300 with your first card load, is worth almost $300. Also, there's 8 free Starbucks chosen items a year, each year, value ~$50. Just these items wipe out the annual fee. Lastly, reloads to your Starbucks card (wh...

slyfox1357

Understand your apprehension and perceived stress. You have to make the move, so try to rationalize the change and worst case scenario, which really isn't that bad. Personally I'd front-run this and discuss with your manager. It can only help, perception is almost always worse than reality, probably...

slyfox1357

weekly/-bi-weekly payroll matching may be the norm but some companies are switching to 1x or 2x a year. My company does their match March & October. They may have switched to this model, check into it.

slyfox1357

Like others have mentioned, learning the Microsoft Office Suite is a very good idea. You can self-learn, but why, take a class. Look around, your local college may have night classes, etc...they are well worth it to learn the basics. Bigger picture, how about a career in Project Management, Informat...

slyfox1357

[Thread title edited for clarity - moderator prudent] I have never really followed [Paul Merriman - moderator prudent] much but I browse his newsletters occasionally. His latest one talks about a Roth IRA for kids. Here is a quote. “One of our subscribers, Matt A., wrote me about his five-year-old,...

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