Search found 1056 matches

by Nearly A Moose
Thu May 21, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: Tomato plant arrived before planter!
Replies: 7
Views: 672

Re: Tomato plant arrived before planter!

Thanks everyone. I think I’ll temporarily repot it this weekend and hope for the best. It’s about 12-16 inches long at this point, for what that’s worth. Zone 7, btw. Hopefully done with frost.
by Nearly A Moose
Wed May 20, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1871

Re: Reel Grass Mower

I used to have a manual reel mower for my urban lot. I got rid of it when I moved to a new urban lot with no grass at all :D I appreciated the quiet operation, the fact that I didn't have to worry checking gas and oil, the small profile for storage, and the modest exercise. I did not like the mainte...
by Nearly A Moose
Wed May 20, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Tomato plant arrived before planter!
Replies: 7
Views: 672

Tomato plant arrived before planter!

This will hopefully be obvious an answer to any experienced gardener. I ordered a cherry tomato plant and a planter with a trellis, from separate vendors (not venturing out if I can help it). The tomato plant arrived today, and the planter is still on backorder for another two weeks. The tomato plan...
by Nearly A Moose
Mon May 18, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Will Above Ground Pools Come Back in Stock?
Replies: 2
Views: 1658

Will Above Ground Pools Come Back in Stock?

When our young kids' summer camp got canceled, we decided to go buy a small, non-permanent above ground pool (think 8' x 4', 2' deep, metal framing with a soft plastic liner) for our kids to play in. Think something between a blow up pool and a metal-sided permanent one. And we were about a week lat...
by Nearly A Moose
Mon May 04, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5097

Re: Where do you back up your important data?

Local NAS, which gets an Apple time machine backup of my system (and it's also the primary repository of some things, like my picture collection). Set up as a RAID array that automatically sets one drive to backup the other (I remembered what this was called when I set it up, but I'm not a networkin...
by Nearly A Moose
Mon May 04, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5356

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Reviving this thread - having a similar situation as OP - old GE Profile died in a mildly dramatic way, and just in the middle of a global pandemic, so fun. Anyone have any experience on how Crystal Dry works with plastic (e.g., tupperware, kids sippy cups, etc.)? Our old dishwasher was great with ...
by Nearly A Moose
Fri May 01, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Doing Tax Projections Based on Income Changes in Turbo Tax
Replies: 3
Views: 247

Re: Doing Tax Projections Based on Income Changes in Turbo Tax

will your medicare wages and social security wages change as a result of this increase or decrease of income? I’m over the social security cutoff, but this is just basic W2 income, so it would be subject to Medicare taxes. I’m really just trying to make sure our withholdings are dialed in reasonabl...
by Nearly A Moose
Fri May 01, 2020 6:48 am
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5356

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Reviving this thread - having a similar situation as OP - old GE Profile died in a mildly dramatic way, and just in the middle of a global pandemic, so fun. Anyone have any experience on how Crystal Dry works with plastic (e.g., tupperware, kids sippy cups, etc.)? Our old dishwasher was great with ...
by Nearly A Moose
Thu Apr 30, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5356

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Reviving this thread - having a similar situation as OP - old GE Profile died in a mildly dramatic way, and just in the middle of a global pandemic, so fun. Anyone have any experience on how Crystal Dry works with plastic (e.g., tupperware, kids sippy cups, etc.)? Our old dishwasher was great with ...
by Nearly A Moose
Thu Apr 30, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Tax Projections Based on Income Changes in Turbo Tax
Replies: 3
Views: 247

Doing Tax Projections Based on Income Changes in Turbo Tax

This may be a dumb question, but I'm trying to run some tax projections for 2020 taxes using a copy of my completed 2019 tax return in Turbo Tax. I want to project federal and state income taxes. If I want to, let's say, add (or subtract) $10k to my income, is it just a matter of adding (or subtract...
by Nearly A Moose
Sat Apr 18, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrade Computer Before Law School?
Replies: 42
Views: 1866

Re: Upgrade Computer Before Law School?

Haven’t read the whole thread, so sorry if I’m late or redundant, but: Nearly all the legal research software you’ll use is web based, so it’s OS agnostic. You’ll be using your laptop a lot - to research cases, write papers, take notes of you like to do that (pro tip: don’t take notes on your laptop...
by Nearly A Moose
Wed Apr 15, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: I don’t need to file anything on April 15,2020, right?
Replies: 22
Views: 3060

Re: I don’t need to file anything on April 15,2020, right?

tomd37 wrote:
Wed Apr 15, 2020 9:01 am
Moose - Does the calculated $16K due for federal tax include any penalty amount for not paying in a timely manner? Just curious.
No, I fell into the safe harbor. But that's a good point to think about.
by Nearly A Moose
Wed Apr 15, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: I don’t need to file anything on April 15,2020, right?
Replies: 22
Views: 3060

Re: I don’t need to file anything on April 15,2020, right?

Thanks, all. Who woulda thought the IRS website would have had that information :oops: I owe $16k, so I may as well let that marinate a bit longer in my savings account. And I did find DC's statement clearly saying it was extending the filing deadline to July 15, so I'm good there. I just wanted to ...
by Nearly A Moose
Tue Apr 14, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: I don’t need to file anything on April 15,2020, right?
Replies: 22
Views: 3060

I don’t need to file anything on April 15,2020, right?

Apologies for the dumb question, but the world has been swirling so much the past month that I wanted to make sure I’m not missing something obvious: I owe money on my federal taxes, so I’m planning to wait until July 15 to pay. Just to be super duper sure, my understanding is that I don’t have to f...
by Nearly A Moose
Fri Mar 27, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5356

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Odd that you would get so many responses that don't answer your question. Here's one that does. We have a Bosch-made, Thermador-branded dishwasher with this technology. It works. Not sure about how much energy it uses, but it does leave plastics dry. It has more bells and whistles than we can possi...
by Nearly A Moose
Thu Mar 26, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Documentaries?
Replies: 14
Views: 1330

Re: Documentaries?

I can't think of any offhand, but you should definitely spend some time exploring PBS.com for this. Curiosity Stream is an online streaming service that popped up to try to fill the gap when History Channel and Discovery converted over to weird reality TV 24/7. I had it for a year on free offer and ...
by Nearly A Moose
Thu Mar 26, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5356

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Reviving this thread - having a similar situation as OP - old GE Profile died in a mildly dramatic way, and just in the middle of a global pandemic, so fun. Anyone have any experience on how Crystal Dry works with plastic (e.g., tupperware, kids sippy cups, etc.)? Our old dishwasher was great with p...
by Nearly A Moose
Fri Mar 13, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1563
Views: 142498

Re: Refinance Mega Thread

I’m staring at an offer to change my rate (not a refinance, just changing the rate for the rest of the mortgage) on my 30 yr fixed from 3.625 to 3.125. Reduces payment by 365/mo. $4000 fee to do this, so pays off in 11 months. Trying to decide if I should take this or hold out until after the fed m...
by Nearly A Moose
Thu Mar 12, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1563
Views: 142498

Re: Refinance Mega Thread

I’m staring at an offer to change my rate (not a refinance, just changing the rate for the rest of the mortgage) on my 30 yr fixed from 3.625 to 3.125. Reduces payment by 365/mo. $4000 fee to do this, so pays off in 11 months. Trying to decide if I should take this or hold out until after the fed me...
by Nearly A Moose
Sun Feb 23, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance/Budgeting Software
Replies: 30
Views: 2231

Re: Personal Finance/Budgeting Software

Another YNAB and personal capital user here. I used to use mint, but found it limited and glitchy. YNAB does things differently it has a little bit of a learning curve, but once you get it come I think it works way better. It's not free, but I found it worth it. Agreed. I use YNAB for daily budgeti...
by Nearly A Moose
Fri Feb 07, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Philly with Kids
Replies: 25
Views: 1803

Re: Philly with Kids

Putting in another vote for the Please Touch Museum. Lots to do, and my kids (same age) loved it last time we were there. It’s essentially a giant thematic play space. Can easily spend all morning, lunch, and into early afternoon there (depending on whether anyone still naps). If you can, get there ...
by Nearly A Moose
Fri Feb 07, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5493

Re: Anyone watch the Amazon series “The Expanse”?

Yes but I’m not reading the responses because I’m still not current. Great show. Has a lot of the same feeling that made Battlestar Galactica (remake) so great!
by Nearly A Moose
Fri Feb 07, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6889

Re: The annual "Boglehead considering a country club" thread

I don't think this is a financial decision, but more of a time decision. When is your first child due? I would definitely wait until your child is born to see how that changes things. would expect to use the club quite a bit (at least 2-3 mornings during the week, most weekends, and pool/tennis/mea...
by Nearly A Moose
Fri Feb 07, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to build this house?
Replies: 38
Views: 4488

Re: Can we afford to build this house?

It sounds like you can do this - no debt, high savings, high earnings. For reference, we make a little less than you but have a mortgage of about 1.35M, a nanny, and private school (in total, waaaayyyyy more than the payments on a $1.5M mortgage). Combined, it's a bit uncomfortable (yet doable), but...
by Nearly A Moose
Thu Feb 06, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17488

Re: Examples of Low Tech Improving Your Life

Interesting thread. I feel it's easy for these discussions to bleed over into "tech is bad" and "look how frugal I am," but I'll bite at the original question. For reference, I'm not a luddite - I have lots of IOT devices, use streaming TV services, have a fancy expensive smartphone (although I do n...
by Nearly A Moose
Tue Feb 04, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: How long for beneficiary to receive funds after death?
Replies: 12
Views: 1211

Re: How long for beneficiary to receive funds after death?

You didn’t ask, but assuming you want to maintain separate investment accounts for your general body of wealth but want to make sure spouse has access to money in the event of your demise, what about creating a separate jointly held account at Vanguard and transferring an appropriate chunk of assets...
by Nearly A Moose
Sun Feb 02, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use a career counselor/career coach?
Replies: 14
Views: 1827

Re: Anyone ever use a career counselor/career coach?

How about just going straight to a headhunter?
by Nearly A Moose
Sun Feb 02, 2020 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using Chase Ultimate Rewards
Replies: 29
Views: 3330

Re: Using Chase Ultimate Rewards

Transferring to Hyatt can often get you a good redemption value, FYI. Might help recreate something like a travel package. I’ve never tried to book one of those.
by Nearly A Moose
Thu Jan 23, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3291

Re: Baby registry "must haves"?

We also happily used the Chicco key fit for many years. The stroller add-on was well worth it. Always "click-and-check" - make sure you hear the clicking sound when it snaps in the base. A second or third to this one. Very helpful to have it self contained. I fought getting the ~$100 stroller base ...
by Nearly A Moose
Thu Jan 23, 2020 10:43 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3291

Re: Baby registry "must haves"?

Everyone always covers the basics and forgets the REAL necessities. In order of importance: Velcro swaddles Pajamas with zippers, NOT BUTTONS LOUD white noise machine Blackout curtains You're welcome. This! swaddles with velcro make your life easier. i would add a nose frida. I was scanning for the...
by Nearly A Moose
Thu Jan 23, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3291

Re: Baby registry "must haves"?

lthenderson wrote:
Thu Jan 23, 2020 3:11 pm
Diaper Genie. Worth it's wait in gold.
Used to be. They have since really screwed up the design. I kept mine working only by the grace of duct tape.
by Nearly A Moose
Thu Jan 23, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Mechanics of maintaining two homes
Replies: 37
Views: 3542

Re: Mechanics of maintaining two homes

I’ve seen a relative do this for several years. They had more or less full duplication at each house - furniture, decor, cooking gadgets, spices, etc. They flew back and forth so had cars at each location. Some duplication of clothes, but I noticed that they basically carted their favorites back and...
by Nearly A Moose
Wed Jan 22, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your monthly expenses/overall financial picture?
Replies: 37
Views: 3622

Re: How do you track your monthly expenses/overall financial picture?

I use YNAB for day to day cost tracking. A bit of a learning curve, then I spend 5 minutes a day, tops. If my wife and I weren’t trying to stay closely coordinated on it, it could be 5 minutes per week. Can give you a lot of nice data depending on how you set up your categories. I use a spreadsheet ...
by Nearly A Moose
Sat Jan 18, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to reduce spending -- suggestions?
Replies: 73
Views: 6679

Re: How to reduce spending -- suggestions?

When it comes to budgeting, nothing can compete with YNAB. Not Quicken, not Mint, not a spreadsheet. But first you have to fully understand their concept as it is a completely different way of budgeting (budget only the money you have not your forecasted income..etc). Watch their videos and give it...
by Nearly A Moose
Fri Jan 17, 2020 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Did I Pencil Whip My W-4 Correctly?
Replies: 12
Views: 588

Re: Did I Pencil Whip My W-4 Correctly?

Thanks, all, this is helpful feedback. I was tracking that other thread too, but always nice to get the personal touch. I love a good spreadsheet, so I will have to play around with the link to the IRS business-oriented one to see how this works. I submitted our withholding forms, so I’ll have to wa...
by Nearly A Moose
Tue Jan 14, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Did I Pencil Whip My W-4 Correctly?
Replies: 12
Views: 588

Did I Pencil Whip My W-4 Correctly?

I'm going to add my voice to the chorus singing that the new W-4 form is ... not especially helpful. I'm looking for a quick check on whether I correctly pencil-whipped the form to reach my goal, which is to get my total withholdings reasonably close to my anticipated federal tax liability. Did I ge...
by Nearly A Moose
Wed Jan 08, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: I need help understanding what to do with Whole Life Insurance policies
Replies: 15
Views: 1485

Re: I need help understanding what to do with Whole Life Insurance policies

WCI Has a post on evaluate whole life policies: https://www.whitecoatinvestor.com/how-to-evaluate-your-own-whole-life-policy/ Alternatively, you can pay for an impartial opinion here: $135 per policy https://evaluatelifeinsurance.org/ Definitely read the WCI posts on this, several times. They’re ve...
by Nearly A Moose
Sun Dec 29, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: House Payoff: Not 'Should I?', but 'Did.' Anything I'm missing?
Replies: 32
Views: 4065

Re: House Payoff: Not 'Should I?', but 'Did.' Anything I'm missing?

Congrats, great work! On the last question: without knowing a thing about your financial situation, if you don’t feel you’ve been living too frugally this far, I’d just start sending that monthly mortgage payment to a taxable investment account (assuming your tax advantaged accounts are used up). If...
by Nearly A Moose
Sat Dec 21, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3463

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

Sounds like you need something in the 24 bottle range for Costco. I forget their lineup, but you don’t need to spend more than $250 or so on one. You’re not buying wines that need to be (or even should be) aged. The point of a wine fridge or cellar is to maintain stable And targeted temps for a long...
by Nearly A Moose
Thu Dec 19, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: New Form W-4, but investors should make adjustments or use estimator
Replies: 15
Views: 1724

Re: New Form W-4, but investors should make adjustments or use estimator

I stopped using W-4 forms to figure out my withholdings more than 20 years ago. I do my prior year taxes each winter, then estimate what will change in the current year, then force-fit it into a W-4, then tell my employer a dollar amount to withhold. This worked for three different employers. The l...
by Nearly A Moose
Thu Dec 19, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10235

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

Welcome. For some reason, you’ve elicited an odd mix of responses from this group. Some folks seem to be assuming you have a little more forum background than I infer you do. That or the reference to bring a house in cash so young. In any event, spend some time lurking. Go into the investing help se...
by Nearly A Moose
Mon Dec 16, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Underpayment Safe Harbor, 2019 Edition
Replies: 8
Views: 965

Re: Income Tax Underpayment Safe Harbor, 2019 Edition

... If the withholding is going to be insufficient, a good option is simply to send in a payment as soon as you have a good idea of what the bill is going to be, and not file Form 2210. Let them use the Regular Method and send you a bill for penalties. The penalties are small unless you are doing s...
by Nearly A Moose
Mon Dec 16, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Underpayment Safe Harbor, 2019 Edition
Replies: 8
Views: 965

Re: Income Tax Underpayment Safe Harbor, 2019 Edition

You will owe no federal income tax penalty if: You owe less than $1000, or You've paid in at least 90% of your 2019 tax, or Your adjusted gross income is <$150,000 and you've paid in at least 100% of your 2018 tax, or Your adjusted gross income is >$150,000 and you've paid in at least 110% of your ...
by Nearly A Moose
Mon Dec 16, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Income Tax Underpayment Safe Harbor, 2019 Edition
Replies: 8
Views: 965

Income Tax Underpayment Safe Harbor, 2019 Edition

I'm looking for a quick double check on the federal income tax safe harbor rules for underpayment penalties. I found this excellent and succinct explanation in a post from last year (thanks One Ping), which I've updated with new years: You will owe no federal income tax penalty if: You owe less than...
by Nearly A Moose
Thu Dec 05, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88433

Re: Found hidden safe, should we crack?

gonna be a long winter if we have to wait until Spring for an update!!! If it were my place, I’d try to have this non destructively opened, especially if I’m renting the place over the winter. Might be nice to be able to safely stash a few things there. Or perhaps you could try drilling in through t...
by Nearly A Moose
Thu Dec 05, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88433

Re: Found hidden safe, should we crack?

Gardener wrote:
Wed Nov 27, 2019 8:09 pm
One of the best threads ive read on here, perhaps only second to the 'whats making that sound in my house' thread.
They’re neck and neck...
by Nearly A Moose
Thu Nov 21, 2019 12:41 am
Forum: Personal Consumer Issues
Topic: Need some Xmas Suggestions
Replies: 23
Views: 2571

Re: Need some Xmas Suggestions

I’ll add to the recommendations for an experience, especially if you live nearby. Take them to a play or an event of some sort. Try to find something that’s a bit of a different pace from their busy lives. They might appreciate the opportunity to shift gears.
by Nearly A Moose
Thu Nov 21, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: dependent care FSA
Replies: 11
Views: 1056

Re: dependent care FSA

I submitted a receipt of well over $5k halfway through the year. The plan withdraws a fixed amount over the year (you can't front load it). The plan administrator has simply been cutting me checks each time more money is contributed to the account. I guess this may vary between plan administrators ...
by Nearly A Moose
Fri Nov 15, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: MetLaw - new company benefit - worth it?
Replies: 8
Views: 861

Re: MetLaw - new company benefit - worth it?

For those who’ve used this. How do you actually activate the benefit and ... use it? I’ve asked our HR and they have have acted like no one knows what it is. Odd.
by Nearly A Moose
Thu Nov 07, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of Leaving Biglaw (current midlevel) - Things to Consider
Replies: 13
Views: 3127

Re: Thinking of Leaving Biglaw (current midlevel) - Things to Consider

Some good advice here. Make sure you time your bonus right. To be honest, one of the reasons I’m not trying to leave BigLaw is that it seems a lot of my clients work similarly long hours and make less. So just make sure you know what you’re getting into. Another thought: look into your firm’s patern...