Search found 634 matches

by Goal33
Fri Oct 19, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 32
Views: 2142

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Can you take a vacation now and then give notice while on vacation? :shock:
by Goal33
Tue Oct 16, 2018 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4110

Re: Relocation to California

Look at Simi Valley and Thousand Oaks
by Goal33
Mon Oct 15, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1348

Re: Should I sell Microsoft Bond

I am confident that Microsoft will be able to pay your bond back in full at maturity. However, I personally probably wouldn't want to hold it.
by Goal33
Sun Oct 14, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 116
Views: 8469

Re: Should we move to San Diego from east coast?

Tdubs wrote:
Sun Oct 14, 2018 3:48 pm
perfect weather
+1, yes you should move to San Diego...
by Goal33
Sun Oct 14, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1818

Re: Buy car cash or take low rate loan

Tell us about your needs for liquidity
by Goal33
Sun Oct 14, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 795

Re: 1% Balance Transfer - Uber Barclays Visa

I bought a used car in 2016 using a 1% barclay balance transfer offer. Not only is it a low fee and a 0% rate, but at the time the minimum payment was only 1% of the balance.
by Goal33
Thu Oct 11, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3048

Re: Home Purchase - Sellers Request Help with Repairs

Forgo the 4k at closing if they can lower the price of the house to 388 :)
by Goal33
Thu Oct 11, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Remodel
Replies: 9
Views: 1149

Re: Paying for Remodel

Drag out the remodel long enough to save up another 5k, and use cash.
by Goal33
Sun Oct 07, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6122

Re: Poll: BHs who rent - what % of gross do you spend on rent?

about 15% in HCOL Bay Area (East Bay)... single income married couple... wife looking for a job and should be around 11% once she finds something.
by Goal33
Fri Sep 28, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14395

Re: Sears, a 125 year old company is now a penny stock.

Not bad. Talk about an interesting case study. How have they managed to stay in business this long with such poor prospects and finances? Impressive.
by Goal33
Fri Sep 28, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Protection buying a used car private party that has a loan
Replies: 17
Views: 1013

Re: Protection buying a used car private party that has a loan

If I had a loan I’d just pay it off first to avoid dealing with that portion of the process. If I was a buyer I’d find somebody who did what I would have done.
by Goal33
Fri Sep 28, 2018 1:44 am
Forum: Investing - Help with Personal Investments
Topic: What to consider when selling company RSUs
Replies: 17
Views: 1706

Re: What to consider when selling company RSUs

The thing to consider is all your wife’s colleagues getting rich quicker while you are a smarter, more diversified boglehead.

My networth would be double if I held onto my RSUs, but I stay the course with my 3 fund portfolio
by Goal33
Thu Sep 27, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice getting started at 34yo
Replies: 16
Views: 2441

Re: Need some advice getting started at 34yo

If you managed to post here, you don't need EJ
by Goal33
Tue Sep 25, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1397

Re: What investment company does your employer use?

I work for a $20-40b company that uses fidelity for 401k, and Morgan Stanley for stock-based compensation.

Edit: our fidelity 401k has vanguard funds
by Goal33
Tue Sep 25, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 12
Views: 841

Re: Exchanging within taxable acct; is this a good idea?

When you tax loss harvest again you'll end up in different funds. I'd just stick with what you've got until you're in a lower tax bracket. Send dividends to checking or settlement fund. Use new money to buy your preferred funds.
by Goal33
Mon Sep 24, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4541

Re: Investing in the Rare Opportunity

Not sure how this became a thread about 3mil vs 7mil ... obviously 7 million buys you a lifestyle in a different league... not sure how folks are arguing this.
by Goal33
Mon Sep 24, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage application: Disclosing All Assets?
Replies: 16
Views: 1741

Re: Mortgage application: Disclosing All Assets?

It'll be fine as long as you have enough in taxable to qualify for all incentives / rate reductions. I.e. 12 months reserve, or things like this.

You can just ask your mortgage broker if there would be any incentive to show additional assets. They want this process as streamlined as possible too.
by Goal33
Mon Sep 24, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7633

Re: Best way to get $100k cash

Those days are over
by Goal33
Mon Sep 24, 2018 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4541

Re: Investing in the Rare Opportunity

I don’t understand why he can’t get his 1 million now and keep working for the other 1%
by Goal33
Sat Sep 22, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1897

Re: When is it OK to not go through car insurance after you've been hit?

If you take the money it’ll be awkward if you don’t repair it
by Goal33
Thu Sep 20, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Chase You Invest, is low cost the new default?
Replies: 13
Views: 1696

Re: Chase You Invest, is low cost the new default?

I heard they can’t do specid cost basis tracking. I didn’t verify.
by Goal33
Thu Sep 20, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3140

Re: HOA Donation in Remembrance of Deceased Owner

What about an employer that sends flowers or remembrance in the case of current employees, spouses of employees or long time retirees? Would you folks object as well? No, I would not object to that. That builds good will for the organization and is good for business. The HOA does not need this type...
by Goal33
Wed Sep 19, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25207

Re: What is your single most expensive mistake?

I would have left the key the same. Nothing to steal in my car, and if they steal the car itself... would love that insurance payout.
by Goal33
Tue Sep 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3140

Re: HOA Donation in Remembrance of Deceased Owner

You can thank them for their membership of the association in the next newsletter. I would not want my HOA spending money on this.
by Goal33
Mon Sep 17, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4827

Re: Dilemma: Add room to current house or buy new house?

Delete the zillow/redfin app off your phones... sounds like the extra room makes no difference to you guys
by Goal33
Mon Sep 10, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6093

Re: Vacation house? Need objective third party

Because your income is so high, I'd expect you to buy this vacation home in cash. Also, I'd expect you to have your primary home paid off before you buy a vacation home in cash. So, basically, you need to save up around 1 million dollars IMO to buy this home which should not be a big deal given that...
by Goal33
Sun Sep 09, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4633

Re: $250,000 family loan to parents?

They can take an equity line and/or margin against their stocks.
by Goal33
Mon Sep 03, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: To pay of mortgage or not to? Help
Replies: 19
Views: 1177

Re: To pay of mortgage or not to? Help

I think I'd want to understand where the 450k came from. Did you just receive the cash as a withdraw from your brokerage?
by Goal33
Sun Sep 02, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for cash to buy house
Replies: 4
Views: 664

Re: Best place for large cash position (1m) to buy house

I vote to keep it simple.

Ally bank seems like a good choice.

FDIC insurance is up to 250k, so you both can get an individual savings. That’s 500k.

Not sure if you can get another 250k coverage with a joint account.

Find another simple online bank such as capital one 360 for the remainder.
by Goal33
Sun Sep 02, 2018 2:44 am
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 30
Views: 3068

Re: Fully maxed out

We are around 200k income this year... and will max:

His 401k (megabackdoor)
His Backdoor Roth
His HSA (family)
Her 403b
Her backdoor Roth

And did taxable... no 529 yet

Edit: and we live in the hcol San Francisco Bay Area.
by Goal33
Sun Sep 02, 2018 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2660

Re: Medical liability claim settlement. What is fair?

Why should you be paid as if you were the lawyer? You work for free in this case otherwise she’d hire a real lawyer and come out ahead.

The 24k is certainly hers in full.
by Goal33
Fri Aug 31, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable vs mortgage
Replies: 17
Views: 1978

Re: Investing in taxable vs mortgage

What is the rental property worth and what is the cost basis?
by Goal33
Fri Aug 24, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Selling old car - expired registration
Replies: 31
Views: 1848

Re: Selling old car - expired registration

Why can't you go back to CarMax and take what they'll give you now?
by Goal33
Wed Aug 22, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: 1099 vs W2 job
Replies: 5
Views: 464

Re: 1099 vs W2 job

I like your plan
by Goal33
Sun Aug 19, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Sell taxable to increase basis?
Replies: 5
Views: 448

Re: Sell taxable at higher basis?

CA taxes capital gains at ordinary income.

There might be some income based benefits you receive... maybe this would push you out of that band?

Seems like it depends on your circumstances. I think some people do it here.
by Goal33
Fri Aug 17, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1565

Re: Marriage Name Change Logistics

Does one have to go to the court to get her name changed? In CA you can input your new name choice on marriage license and use that to start the process... if you don’t, you have to go to court to change it. This is not quite correct. In some states you can put your new name on the marriage license...
by Goal33
Fri Aug 17, 2018 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6188

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by Goal33
Thu Aug 16, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2557

Re: Non-owner contributing to home renovations: what's fair?

When I was engaged to be married, I put 5k down towards fiancée’s car. It was her car, title in her name. I believed in separated finances until marriage. I don’t see how it could be anything other than a gift.
by Goal33
Thu Aug 16, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6188

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by Goal33
Thu Aug 16, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

bill88 wrote:
Thu Aug 16, 2018 12:32 pm
She should get her realtor's feedback on the current and future value of the home. And perhaps explore that job transfer, if she has the option.
Do you expect the realtor to offer anything aside from now is the best time to buy or sell?
by Goal33
Thu Aug 16, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 1102

Re: Anyone try to tax loss harvest and fail?

I wouldn't think most people bother with TLH over being down $500 in a taxable account. That's a lot of work to keep $500 of income off the books. I guess if you're equities total 7 figures you probably aren't worried about a TLH-ing a $3k loss either in a taxable account. If your equities are in t...
by Goal33
Thu Aug 16, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1559

Re: Car alarm '98 Camry ?

Is this why most here recommend the '99 Camry?
by Goal33
Thu Aug 16, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6188

Re: Terminating an employee with company car

I'd give the employee a box, tell them to clean out the car and leave the key at the front desk when they're ready... worse case they don't give you back the car and you make an insurance claim??
by Goal33
Thu Aug 16, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1565

Re: Marriage Name Change Logistics

HueyLD wrote:
Thu Aug 16, 2018 9:51 am
Does one have to go to the court to get her name changed?
In CA you can input your new name choice on marriage license and use that to start the process... if you don’t, you have to go to court to change it.
by Goal33
Thu Aug 16, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 39
Views: 2744

Re: Travel delay: Can I *easily* get $60 back?

Looks like the answer is no :D
by Goal33
Thu Aug 16, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

Nobody can predict anything...

If Seattle real estate goes up overall by another 50%, maybe this place will only go up 49% due to the affordable housing being built. I wouldn't worry about it...
by Goal33
Thu Aug 16, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1565

Marriage Name Change Logistics

Recently Married and we are working on DW's name change. I have some logistical questions to sort out. Name change questions: 1) Do we have to update a previous employer? is it a problem if the 2018 W-2 has the previous name? 2) Instead of updating Ally for checking/savings, we are going to close he...
by Goal33
Tue Aug 14, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Windfall proceeds - what to do?
Replies: 16
Views: 1479

Re: Windfall proceeds - what to do?

I’d start by paying off the house loans and student loans
by Goal33
Tue Aug 14, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 3951

Re: Almost 30 - Check In

That ring is a little rich. You should find something similar to the one you liked online at bluenile or brilliant earth...