Search found 263 matches

by Nearly A Moose
Sat Feb 18, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 39
Views: 2284

Re: Need advice on girlfriend debt/finances

Don't pay down her debts. If you already were putting money toward them, then paying down the stupid high interest ones would be in your best self interest, but if you're not already, don't start. This is also raising all sorts of alarms for me. It's really important to be reasonably close to the sa...
by Nearly A Moose
Sat Feb 18, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 38
Views: 3188

Re: What Do You Keep In Your Bank Safe Deposit Box?

I've been really lazy about setting up a safe deposit box, so this is a good reminder and useful list of suggestions. Two things I wouldn't bother putting in it: (1) backup hard drives - I use crashplan to create a complete backup in the cloud in real time. As I understand it, the encryption is very...
by Nearly A Moose
Mon Feb 13, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: $80,000 sitting around
Replies: 8
Views: 1393

Re: $80,000 sitting around

Put it in the online account. I use Ally and am quite happy. What's the real value in having your money five minutes away? Not like you're going to swing by the bank and walk out with $80k in a suitcase. I'd do at least the online savings account. Maybe even consider a short term bond fund if you'll...
by Nearly A Moose
Mon Feb 13, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2151

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I'm not zero cash, but I don't keep a particularly large emergency fund in cash. Most of my cash is queuing up to be spent in various ways (e.g. Monthly set asides to cover annual insurance bills, fica tax on my nannys pay). I have a small "emergency/infrequent large purchases fund". The b...
by Nearly A Moose
Thu Feb 09, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2432

Re: Napa/Sonoma Recommendations

Oh, and some winery tips if you need 'em: If you don't know much about wine yet, poke around on the 'net and take some time to learn the basics (common grape varietals, identifying major flavors/aromas, etc.) Wine Spectator has some great online resources, although you have to be a subscriber. Some...
by Nearly A Moose
Thu Feb 09, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house addition/HELOC?
Replies: 29
Views: 1511

Re: Can I afford a house addition/HELOC?

I would not reduce retirement contributions at all. It's important to to stuff funds into those tax advantaged accounts, especially for high income earners, and that space is "use it or lose it". If the house needs to be revamped to work for your family then so be it. You have 130k in cas...
by Nearly A Moose
Tue Jan 31, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Fill Out Nanny W-2 When Paying Her Portion of FICA
Replies: 16
Views: 877

Re: How to Fill Out Nanny W-2 When Paying Her Portion of FICA

In your experience, for a household worker, how often are wages grossed up? Compliance in this area generally is so poor that there is no number that would surprise me. Payroll services and experienced CPAs are probably the only things keeping this number mildly north of 0%. Mule Now that I know th...
by Nearly A Moose
Thu Jan 26, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Most creative and/or high value change
Replies: 31
Views: 2368

Re: Most creative and/or high value change

if you're really into your shaving routine, try a double edge safety razor. $40 for a good stainless steel razor handle that will outlive you, a comparable amount for a good badger hair brush with a very long life, some modestly priced shaving soap plus an old coffee cup, and then about $15-$20 for ...
by Nearly A Moose
Thu Jan 19, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: PSA about Ford Stockholder's Benefit
Replies: 5
Views: 943

Re: PSA about Ford Stockholder's Benefit

Thanks for the heads up.
by Nearly A Moose
Tue Jan 17, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5195

Re: Home renovation funding

OP - If you're kind enough to share your numbers, would you also mind sharing the total time for the project? I may not be able to share the numbers--it takes too much time to track down. But the project was about 9 months to substantial completion. Thanks, and glad to hear you're happy with the re...
by Nearly A Moose
Tue Jan 17, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5195

Re: Home renovation funding

OP - If you're kind enough to share your numbers, would you also mind sharing the total time for the project?
by Nearly A Moose
Wed Jan 11, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2884

Re: Shutterbugs - How do you organize your digital photos?

At this point I’d classify myself as a beginner/hobbyist using a Canon Rebel T5i DSLR camera, moving up from advanced point-and-shoot such as the Panasonic DMC-ZS40 which has served us well and I'd absolutely recommend. For the most part I’m using the camera when travelling, so landscape, wildlife ...
by Nearly A Moose
Wed Jan 11, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2884

Re: Shutterbugs - How do you organize your digital photos?

Adobe? Can you even buy software from Adobe any more? I thought they had pulled the rug out from under customers by switching completely to a subscription model--or is Lightroom an exception? Adobe definitely has pulled the rug out before. I paid what at the time was a lot of money for me for Adobe...
by Nearly A Moose
Tue Jan 10, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2884

Re: Shutterbugs - How do you organize your digital photos?

Uggh, the bane of my existence! I've got about 3TB worth of digital photos. I used a date/time based approach for years, and it was OK. A few years ago I switched from Adobe Photoshop to Adobe Lightroom. It was the best thing I ever did! Lightroom is actually a database manager first, photo process...
by Nearly A Moose
Tue Jan 10, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2884

Shutterbugs - How do you organize your digital photos?

I assume some percentage of the BH community are photography enthusiasts. I could use your help. How do you organize / store your digital photographs, and what is your standard workflow? I'm a very mediocre hobby photographer, but I have enough that photos that I need to streamline things. I used to...
by Nearly A Moose
Thu Dec 22, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2724

Re: Looking to Drop Wells Fargo for Online Banking

I use Ally (savings) and Schwab (checking) online and have been quite pleased. I opened the Schwab account years ago in conjunction with a brokerage account that I no longer use. I would have just put everything in Ally if that checking account wasn't enmeshed in all my bill pays, auto transfers, et...
by Nearly A Moose
Mon Dec 19, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 6974

Re: Ne er-do-wells coming out of woodwork

Here's another way to think of it. So far, she's just come out of these meetings with ne'er do wells wanting to give away a little money. She could come out of the next one having executed an entirely new power of attorney, will, or trust, having signed a quit claim deed, etc. If she has a large eno...
by Nearly A Moose
Sun Dec 18, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 6974

Re: Ne er-do-wells coming out of woodwork

How do adult children handle their elderly parents (Mom) when distant relatives or acquaintances start dropping by their place for a visit and Mom then decides to leave the visitor a large amount of her estate to them? This has happened twice with my mom that I am aware of, and so far she has not a...
by Nearly A Moose
Wed Dec 14, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken still using old Intuit User Name?
Replies: 2
Views: 384

Re: Quicken still using old Intuit User Name?

jdouge wrote:Yes, you use the same user name and password. Slightly different login page.

YMMV, but it worked for me.


Thanks, yes, worked for me too, just trying to figure out if the accounts are still somehow linked. I guess I should just try changing my TT password to see if it changes for Quicken too.
by Nearly A Moose
Tue Dec 13, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken still using old Intuit User Name?
Replies: 2
Views: 384

Quicken still using old Intuit User Name?

I searched but couldn't find a discussion on this - if I missed it, please feel free to just point me to the topic. Quicken has made the full transition to its new ownership, right? I just purchased the 2017 version for download, and it asked me to log in using my Intuit credentials, and it worked. ...
by Nearly A Moose
Sat Dec 10, 2016 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 with Crossover
Replies: 1
Views: 397

Quicken 2017 with Crossover

Is anyone running Quicken 2017 on a Mac using Crossover? The Crossover website says "limited support" for 2017 but full support for 2016. I have a hard time seeing why 2017 wouldn't work well, but I thought I'd check before dropping the cash on it. I'd ask on the Crossover forums but I'm a...
by Nearly A Moose
Fri Dec 09, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab retirement quote on 4 mil. Advice??? Can I do better?
Replies: 29
Views: 4630

Re: Schwab retirement quote on 4 mil. Advice??? Can I do better?

I believe plenty of people on this forum use Schwab, and the wiki has recommendations for basic portfolios using Schwab funds. I have Schwab bank and brokerage accounts and am very happy with the customer service. I currently have my taxable investments with vanguard because I like their funds best ...
by Nearly A Moose
Fri Dec 09, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3237

Re: Frying pan recommendations

Chadnudj wrote:All-Clad.

Spring for some Barkeeper's Friend to help with cleaning them.....really phenomenal stuff.


+1. This is what I do. If you are good about cleaning or at least soaking the pan soon after use, it's not much more work than nonstick.
by Nearly A Moose
Thu Dec 08, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3237

Re: Frying pan recommendations

I love my All Clad skillet. Great investment. Also love my cast irons. I don't have problems cleaning either. I do have to periodically give the All Clad a deep clean to get it all shiny again. This is an area I like to "invest" in. I have one more larger skillet pan in mind, and then I mi...
by Nearly A Moose
Wed Dec 07, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 746

Re: Muni Fund for Downpayment and Help Understanding Bond Risks

I did consider it, but short term yield is so close to an on-line savings account that it just wasn't worth it for me. Although if you live in DC (as I do), earnings from ANY state's muni bonds are not taxable on your DC return. That can be a nice plus. Interesting. I do live in DC (love the city d...
by Nearly A Moose
Wed Dec 07, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2654

Re: Managing kids money

PS - Not questioning your description of the dynamic, but I have seen UTMAs managed inappropriately by parent custodians. It's hard to watch. Aren't there also tax consequences if the parents administers the account?
by Nearly A Moose
Wed Dec 07, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2654

Re: Managing kids money

I would have the same discomfort as you do regarding someone else managing the account, but I also agree with the thought that, financially speaking, even a poorly managed gift is better than no gift. I would be most concerned with (1) SIL not providing you clear, complete, and timely information; a...
by Nearly A Moose
Wed Dec 07, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 9703

Re: Is Quicken Worth it?

At the risk of getting technical and/or hijacking the thread, does anyone run Quicken for PC on a Mac via Crossovers? If so, have you had a good experience? I'm currently trying to use Banktivity but am not in love with the program - seems to have more manual work than I'd like.
by Nearly A Moose
Wed Dec 07, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

We shall see I guess. We just chose Basic this year after many years on Standard. If one of us lands in the ED, we'll hope for recovery and deal with the costs if they occur. The premium savings alone is around $1900, which should go a long way toward any extra costs from Basic. This thread is what...
by Nearly A Moose
Wed Dec 07, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 746

Re: Muni Fund for Downpayment and Help Understanding Bond Risks

@saltycaper: thanks for clearing a few things up for me. I feel like bonds shouldn't be hard, but I still struggle to really understand the mechanics as well as I'd like. You think I should just abandon this effort and buy a CD? @DCInvestor: thanks. Did you consider shorter term funds? Or was it jus...
by Nearly A Moose
Tue Dec 06, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 746

Muni Fund for Downpayment and Help Understanding Bond Risks

Dear Bogleheads: Sorry for the long post; trying to organize all my thoughts at once. I’m looking for some input on which tax-exempt municipal bond fund I should use to hold the down payment on our next house. My question is both about which fund is most appropriate and how to understand potential b...
by Nearly A Moose
Tue Dec 06, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

All - Thanks for the good input, this is always such a helpful place. In case folks are interested, we opted for Federal Blue Cross Standard. We couldn't get comfortable with the risk of being stuck with paying full costs for out of network care, so we'll pay the higher premiums for now until we bet...
by Nearly A Moose
Mon Dec 05, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2408

Re: Lost: Could really use some advice on our next round of financial goals

Another vote for maxing both 401ks. If you overfund your retirement, you can always dial back contributions later, leave an inheritance, etc.
by Nearly A Moose
Sun Dec 04, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

My concern with plans with local networks and no out of network coverage centers on what happens if one has to be hospitalized while traveling. Emergency treatment is covered, but when does treatment stop being emergency care and become (uncovered) non-emergency care? Risks might include a massive ...
by Nearly A Moose
Sun Dec 04, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone... Wow. How many people wearing contacts? Unless you've already exhausted other medical options and have no other choice look into getting your contacts from a lower priced source or tell your optomet...
by Nearly A Moose
Sun Dec 04, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

Iorek wrote:
fundseeker wrote:Oh, and while we are here discussing these things, I assume you will be maxing out the FSA?


Maxing out a healthcare FSA is not necc. a good idea.


Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone...
by Nearly A Moose
Sun Dec 04, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How Quarterly Taxes Work for Bonus
Replies: 4
Views: 478

Re: How Quarterly Taxes Work for Bonus

Thanks, folks. I'll dig into the safe harbor a bit, appreciate the reference. I'm fortunate in that my income will be a lot higher this year than last year, along with my withholdings, so it seems like this will likely be a non issue.
by Nearly A Moose
Sun Dec 04, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

fundseeker wrote:Oh, and while we are here discussing these things, I assume you will be maxing out the FSA?


Absolutely (doing that through my employer, which is apparently allowed). Healthcare and dependent care.
by Nearly A Moose
Sun Dec 04, 2016 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

Your wife's department/agency may provide free online access to this publication: https://www.checkbook.org/newhig2/hig.cfm I used it a few years ago to make my choice, and found it very helpful. I feel that I need to point out the BCBS Standard employee premium is twice as large as that for GEHA S...
by Nearly A Moose
Sat Dec 03, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: "E-E bonds" or "Double E bonds" ?
Replies: 8
Views: 1054

Re: "E-E bonds" or "Double E bonds" ?

walkindude wrote:I'm a double E (electrical engineer), so I say E-E for the savings bonds!


At my school, you would have been an "E-E"...
by Nearly A Moose
Sat Dec 03, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

Thanks, all, this is very helpful, although not surprisingly there doesn't seem to be a clear consensus. It seems that people are liking both Standard and Basic, whichever they have. We're transitioning from a very expensive (my employer's) plan that is set up very much like Standard but with low fi...
by Nearly A Moose
Sat Dec 03, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Quarterly Taxes Work for Bonus
Replies: 4
Views: 478

How Quarterly Taxes Work for Bonus

This is new tax territory for me. I'm fortunate to be getting a substantial bonus this December. This will be more than twice as large as any bonus I've received, and I want to make sure I understand what if anything I need to do from a tax perspective. The bonus will push us from the 35% to 39.6% f...
by Nearly A Moose
Fri Dec 02, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Re: Federal Blue Cross Standard versus Basic

When I changed from Blue Cross standard to Blue Cross Basic I called the providers I used or looked them up on the Blue Cross site to ensure they were a preferred provider. That is my suggestion on what you should do. Thanks. Yes, we've confirmed that everyone we currently use is under either plan....
by Nearly A Moose
Fri Dec 02, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4534

Re: Not happy with my realtor

I'm a buyer and he's shown me 5 or 6 houses. I'm looking in a particular and relatively small neighborhood. Would it be unreasonable or inappropriate for me to ask him to contact the homeowners there to see if any might be interested in selling? It doesn't happen often, but every once in a while I ...
by Nearly A Moose
Fri Dec 02, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2783

Federal Blue Cross Standard versus Basic

Greetings, I'm hoping some of the current or former federal employees may be able to help me here. We have decided we are going to consolidate my entire family (me, wife, one toddler, one soon-to-be newborn) onto one insurance plan available to my wife as a federal employee. We've narrowed it down t...
by Nearly A Moose
Fri Dec 02, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital.com
Replies: 16
Views: 2208

Re: Personal Capital.com

Also also, it does seem to confuse cash in my savings accounts (e.g. E fund, vacation fund) as part of my investment portfolio, so it's always telling me I have too much cash in my portfolio (I have $0.06 in cash in my investment portfolio...). Why is it loading data from those accounts if you don'...
by Nearly A Moose
Fri Dec 02, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital.com
Replies: 16
Views: 2208

Re: Personal Capital.com

I wouldn't sweat the cash allocation being off by $150. It could be something internal to the fund or confusion about a dividend, etc, as otherwise mentioned. I use personal capital and find it informative. I pop in occasionally to get a rough snapshot of where things stand, but it's not my only too...
by Nearly A Moose
Thu Dec 01, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax available
Replies: 12
Views: 2435

Re: TurboTax available

Thanks for the heads up. When historically is the cheapest time to buy, assuming you don't have some special discount through another company?
by Nearly A Moose
Thu Nov 24, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: When is the best time to get into Bond Market?
Replies: 30
Views: 3646

Re: When is the best time to get into Bond Market?

Phineas J. Whoopee wrote:
Nearly A Moose wrote:... (duration may not be quite the right word) ...

It is the right word: duration.
PJW


Thanks
by Nearly A Moose
Tue Nov 22, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: When is the best time to get into Bond Market?
Replies: 30
Views: 3646

Re: When is the best time to get into Bond Market?

I believe the general rule of thumb is that if you are planning to hold the bond for longer than than the average duration of the bonds in the fund (duration may not be quite the right word), you will come out better for having experienced a rate hike. Vanguard did a paper on this you can find refer...

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