Search found 818 matches

by Nearly A Moose
Sat May 19, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Municipal Money Market VMSXX 1.39%
Replies: 65
Views: 5789

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Anyone care to offer thoughts on Muni money market versus vanguard limited term tax exempt bond fund for large short term savings, such as a house downpayment? I chose the bond fund last year compared to a then 1.05% Ally account. Top federal tax bracket.
by Nearly A Moose
Tue May 15, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1472

Re: Interesting/Playful ideas for 1 year baby

Also, singing. Even if you’re terrible, it’s great to sing to them. Especially songs with hand motions.
by Nearly A Moose
Tue May 15, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1472

Re: Interesting/Playful ideas for 1 year baby

You’re doing fine. Also no problem with taking them to run errands or do chores with you. It’s a one year old baby, so everything is new and interesting.
by Nearly A Moose
Fri May 11, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Is REIT a prudential investment choice at the moment?
Replies: 20
Views: 1857

Re: Is REIT a prudential investment choice at the moment?

I hold a small amount of REITs through the Vanguard REIT fund. They have not done well over the last few years. At all. Really, it's stunk. If you buy them, be prepared for that to possibly continue. I bought a small amount because I thought it would give me a bit more diversification. It has, in th...
by Nearly A Moose
Thu May 10, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2067

Re: Custom suit needed for a wedding. Help me shop around!!

If you're looking at men's Warehouse prices, check out Indochino. Online made to measure company. They have reasonably decent fabrics and styles, and that will help you and buddy match up well without needing to have you in a less than ideal cut for your body type. I have two suits from them that a...
by Nearly A Moose
Wed May 09, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2067

Re: Custom suit needed for a wedding. Help me shop around!!

If you're looking at men's Warehouse prices, check out Indochino. Online made to measure company. They have reasonably decent fabrics and styles, and that will help you and buddy match up well without needing to have you in a less than ideal cut for your body type. I have two suits from them that ar...
by Nearly A Moose
Wed May 09, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1722

Re: Florida road trip - what towns to stay in?

For staying near Jacksonville, look a bit in to Amelia Island/Fernandina Beach. Excellent compact historic downtown, great restaurants, no highrises. Yeah I'd consider both of those. If you're actually starting in Jacksonville (and I'd go with the options above instead), the San Marco area is nice ...
by Nearly A Moose
Wed May 09, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5910

Re: How much car to buy on $250K income, $200K NW, newborn on the way

I'd spend whatever it costs to buy a three year old Honda Odyssey minivan. This is coming from someone who bought a new Subaru Forester when I was in your shoes (which I like, but minivans are amazing creatures) .
by Nearly A Moose
Wed May 09, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to save money to buy a car
Replies: 18
Views: 2257

Re: Where to save money to buy a car

You can get a little more yield now in a money market find. 1.8% or so I think. That's something.
by Nearly A Moose
Sun May 06, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 49
Views: 3307

Re: Can you recommend a good mouse trap?

I'll echo the true but likely unhelpful thought to get it borrow a cat. Seriously. When I had mine, we never had mouse troubles for long. Now that I'm catless, I basically have a pet mouse :annoyed but if you're even able to borrow someone's, it might give off a good cat smell? What little luck I've...
by Nearly A Moose
Thu May 03, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7773

Re: Bucket List Adventures/Activities

It's international travel for me TL and we have been at it hard for several years. We did a good bit of USA travel while we were waiting for my wife's US Citizenship and Passport but that is accomplished as of 11/17 and we are back on international. US wise we did Alaska sea and ground, Snake and C...
by Nearly A Moose
Wed May 02, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Separate wifi network for internet enabled devices?
Replies: 9
Views: 850

Re: Separate wifi network for internet enabled devices?

What's your current router? ASUS RT-AC66U (also listed as ASUS AC1750). I think it does do guest network, need to check again. Doing the switch with all devices is a nuisance enough that I want to think it through fully first before making a change. also, I guess ideally you’d have theee networks, ...
by Nearly A Moose
Wed May 02, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Separate wifi network for internet enabled devices?
Replies: 9
Views: 850

Separate wifi network for internet enabled devices?

I've seen a few threads where this comes up but haven't found one recently directly on point (open to correction here). Over the past year or two, the number of Internet-enabled devices in my house has skyrocketed, and I'm not even really doing the whole "connected home" thing. Right now, everything...
by Nearly A Moose
Tue May 01, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2248

Re: At what point should you hire a financial advisor?

I at first read that as $1,200 in the checking account and then became concerned however OP would pay that mortgage :o In all seriousness, I don't think you need an FA. But you should make sure you're set on estate planning, insurance (not whole life, but liability, etc. - you may not even need life...
by Nearly A Moose
Tue May 01, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Testimonials on moving with a family
Replies: 29
Views: 2610

Re: Testimonials on moving with a family

I can't provide a testimonial, but does your and your spouse's jobs allow you to take sabbaticals, temporary assignments, extended remote-work periods, or the like? Could you arrange it so you can temporarily relocate to another city for a set period? Maybe work remotely from somewhere in Europe (or...
by Nearly A Moose
Tue May 01, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2326

Re: Bicycle Questions

I bought a couple of bikes from Nashbar, the Flatbar hybrid models. They go between $250 and $300, depending whether you want to have disc brakes or not. They have nice aluminum frames and come with Shimano components -- low end, but more than enough for someone who doesn't do 30 miles a day or rac...
by Nearly A Moose
Mon Apr 30, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2326

Re: Bicycle Questions

(For those who don't know, Forest Park, next to the U. she'll be attending, is a large urban park broadly comparable to Central Park in NYC...) And it’s gorgeous and an absolute gem in the city - 6 miles of good paved biking or running trails. I love cycling. I used to ride up and down Clayton, act...
by Nearly A Moose
Sat Apr 28, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2738

Re: Ikea Quality

I just learned that ikea in Swedish translates = junk Someone already told that joke upthread. It was wasn't funny then either. The name is actually a combination of the initials of IKEA founder, Ingvar Kamprad (IK) with the first letters from the names of the farm and village where he grew up – El...
by Nearly A Moose
Fri Apr 27, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3139

Re: How stressful is buying a home?

Setting aside the “can I afford this” part and trying to figure out an offer price (hint: don’t stress over $5k unless it’s only a $75k home), the stressful part in my experience is just managing the process and the flurry of paperwork that you have to manage and check in the day or two leading up t...
by Nearly A Moose
Fri Apr 27, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 3999

Re: The Paperless Life

How can you go paperless to manage your medical expenses? The insurance sends a lot of paper, doctors and labs provide you with paper. In case you need to check about payment on expenses you need to be able to follow a paper trail. 'Going Paperless' seems to mean that you have to believe what any b...
by Nearly A Moose
Fri Apr 27, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7371

Re: Money vs. Work-life balance

Stay put. Sounds like a dream work arrangement. I almost stopped reading after seeing that you have an amazing manager. That counts for so much. Instead of jumping ship, attach yourself to this manager at the hip. Try to make yourself a true team. If she moves internally, you want to be brought alon...
by Nearly A Moose
Fri Apr 27, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lawyer - how to outsource / offload grunt work for biz dev
Replies: 8
Views: 934

Re: Lawyer - how to outsource / offload grunt work for biz dev

To be clear: * Its a fairly large firm, but marketing department isnt giving her the support would like to have, same as (shared) admin assistants * She currently is doing this work herself, and in order to better balance her other job responsibilities and family, she is looking to offload the behi...
by Nearly A Moose
Fri Apr 27, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2738

Re: Ikea Quality

As I have gotten older, I have realized that it is better to buy good quality furniture from the start as the good stuff lasts forever. +1 IKEA furniture is disposable furniture. Single use not made to move around and thus environmentally unfriendly. You get what you pay for. I made the decision ov...
by Nearly A Moose
Thu Apr 26, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2738

Re: Ikea Quality

Ikea will be a step down from the other brands you mentioned. Ikea is functional and plain. However, you may find a piece that meets your needs. One problem with Ikea furniture is that sometimes it lasts too long. You buy something when you've got toddlers and it's still around when they head off t...
by Nearly A Moose
Thu Apr 26, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 3999

Re: The Paperless Life

I'm trying to be paperless. It's weirdly hard, even in 2018. I agree in principle with the other posters who say don't rely on the institution to keep files for you. That said, I'm very bad about actually following through on this. I've managed to keep files for everything tax related (could be orga...
by Nearly A Moose
Thu Apr 26, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 2924

Re: how would you handle this--collecting life insurance

I'm very sorry for your loss. To add another option, depending on old the policy is, consider whether you can identify and call the agent who sold the policy. If they had a relationship with your mother or are good, they might be willing or able to help. They also might be interested to learn that t...
by Nearly A Moose
Thu Apr 26, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2738

Ikea Quality

I know you can read about this everywhere, but this is the forum I'm a member of, and it's hard to level-set on questions like this if you don't know the community. What do folks think about the quality of Ikea accent and storage furniture? In particular, their Besta, Billy, or Kallax series (but op...
by Nearly A Moose
Thu Apr 26, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9851

Re: What have you baked recently?

I've been baking no-knead artisan bread in my dutch oven for a few years now. Nothing smells or tastes as good as home made bread. http://i66.tinypic.com/1zg5bes.jpg I think I know the exact recipe you used. There's a sack of new bread flour sitting on my counter just waiting for this. Super easy, ...
by Nearly A Moose
Thu Apr 26, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 3710

Re: Hotel rewards programs

I'd say for leisure travel, and assuming you're also not a professional road warrior, just be a free agent but do make sure you've signed up for the rewards program the hotel you're staying at, just because you may as well. You'll probably get a better deal trying things like discount bulk resellers...
by Nearly A Moose
Thu Apr 26, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roll wife’s IRA into her Thrift Savings Plan?
Replies: 25
Views: 1155

Re: Roll wife’s IRA into her Thrift Savings Plan?

1) I should do this, right? 2) And I forget, could we do a Backdoor Roth for her later this year, or would this balance still get caught up in the pro rata? 1) Yes. 2) If all tIRA balances are $0 on 12/31/2017, there will be nothing to prorate. So yes, a 2018 backdoor Roth for her looks good per yo...
by Nearly A Moose
Thu Apr 26, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Building/House Plans
Replies: 26
Views: 1630

Re: Building/House Plans

Thank you for all the replies A little more information, lots are normally around 30 x 120. Plan is for ~ 3000 sq ft 4 bedroom house. We have an infant and will probably try to have a second in the not too distant future. For the commentariat talking about small homes, a house on this lot would be ...
by Nearly A Moose
Thu Apr 26, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Roll wife’s IRA into her Thrift Savings Plan?
Replies: 25
Views: 1155

Re: Roll wife’s IRA into her Thrift Savings Plan?

1) I should do this, right? 2) And I forget, could we do a Backdoor Roth for her later this year, or would this balance still get caught up in the pro rata? 1) Yes. 2) If all tIRA balances are $0 on 12/31/2017, there will be nothing to prorate. So yes, a 2018 backdoor Roth for her looks good per yo...
by Nearly A Moose
Thu Apr 26, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Roll wife’s IRA into her Thrift Savings Plan?
Replies: 25
Views: 1155

Re: Roll wife’s IRA into her Thrift Savings Plan?

Yes, you should roll the IRA into her TSP, but my recommendation would be to use the G fund for most or all of the desired bond allocation. The G fund is unlike any other bond fund. It has the yield of longer-term treasuries (with a weighted average of 12 years), but unlike normal treasuries or oth...
by Nearly A Moose
Thu Apr 26, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roll wife’s IRA into her Thrift Savings Plan?
Replies: 25
Views: 1155

Roll wife’s IRA into her Thrift Savings Plan?

I think I know the answer but guess I feel like I need a nudge: my wife has an old IRA hanging around from a job years ago. It’s at Vanguard and holds entirely Total Bond Market. She works for the federal government and has a Thrift Savings Plan (TSP) account (the govt 401k). We’re over the income l...
by Nearly A Moose
Thu Apr 26, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4514

Re: Building a New Home (Talk me out of it!)

1) Plant a square foot garden https://www.growveg.com/guides/planning-a-square-foot-vegetable-garden/ Weeding in a real garden gets old fast. 2) Could you renovate to get a bigger closet? Downsize a bedroom that backs to the master? My in laws bought a house with a big yard when they retired, so my...
by Nearly A Moose
Thu Apr 26, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Applying for 2 life insurance policies at the same time
Replies: 4
Views: 506

Re: Applying for 2 life insurance policies at the same time

I created a laddered approach using two policies from different companies at the same. Very easy. The second company even agreed to use the medical exam info colllected by the first. I worked with an independent agent I found through term4sale.com. Very easy all around, and he definitely added value.
by Nearly A Moose
Wed Apr 25, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1698

Re: Charles Schwab international ATM (worth the hard credit pull)

I set up a Schwab account before a recent international trip, just as you are considering. I found it very useful for foreign ATMs. I was not concerned about a credit pull and any impact on score. I recommend the account and card. +1. Very pleased with the card. I've had it for years though and don...
by Nearly A Moose
Wed Apr 25, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Building/House Plans
Replies: 26
Views: 1630

Re: Building/House Plans

This could be urban infill for a rowhome. My house is 20'W x 50'D, one party wall (end unit!). Totally doable, but you have to know how to do it well. I haven't built a house yet, but some thoughts that popped to mind: STORAGE!!! Especially for a narrow or smaller house, it needs to be ship shape. N...
by Nearly A Moose
Wed Apr 25, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 1930

Re: Newborn- essential financial steps

Thanks for your replies. A separate fund for unexpected expenses is a good idea. She can only model for some anti wet burp products at this time anyway. My spouse has life insurance and I am in process of getting mine. Beyond finances, any other suggestions such as getting a passport done etc? We m...
by Nearly A Moose
Wed Apr 25, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 1930

Re: Newborn- essential financial steps

Thanks for your replies. A separate fund for unexpected expenses is a good idea. She can only model for some anti wet burp products at this time anyway. My spouse has life insurance and I am in process of getting mine. Beyond finances, any other suggestions such as getting a passport done etc? If y...
by Nearly A Moose
Wed Apr 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1673

Re: COMCAST - Modem / Router recommendation

I liked this asus router so much I purchased a second one to replace an old extender. https://www.amazon.com/Dual-band-Wireless-AiProtection-Compatible-RT-AC68U/dp/B00FB45SI4/ref=mp_s_a_1_2?ie=UTF8&qid=1524704113&sr=8-2&pi=AC_SX236_SY340_FMwebp_QL65&keywords=asus+router&dpPl=1&dpID=41c2hIc6m4L&ref=...
by Nearly A Moose
Wed Apr 25, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10002

Re: Wedding - financial burden on couple and attendees

Tread lightly here, even if you're close to the relative and your family tends to be pretty open with these things. Weddings just tend to be ... different. A whole lot of emotion and attention gets wrapped up in weddings. If you're the closest to the couple, and you're interested/willing to do so, t...
by Nearly A Moose
Wed Apr 25, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1673

Re: COMCAST - Modem / Router recommendation

Definitely buy your own router and modem. Make then separate units. Easy Rhino ^^ has some good suggestions. If you want to keep it easy, a lot people use the Motorola Surfboard cable modem. It's Docsis 3.0 which is fine for typical users (I'm inferring that includes you (and me) since you're postin...
by Nearly A Moose
Tue Apr 24, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 79
Views: 9586

Re: Inheritance Changing Lifestyle

While I'm on a tear, let me also respond to your question about how to use this money in a way that doesn't ruin your kids, for lack of a better word. With the disclaimer that my own kids are too young to understand what money is, try to also think about this as an opportunity educate your kids abou...
by Nearly A Moose
Tue Apr 24, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 79
Views: 9586

Re: Inheritance Changing Lifestyle

Since I spent time joking on this thread, I should respond more seriously too. I'm going to take a slightly different route but get to where some others have as well: You've raised kids, managed to save for your retirement and feel like you're in pretty good shape fore retirement despite living in a...
by Nearly A Moose
Tue Apr 24, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 79
Views: 9586

Re: Inheritance Changing Lifestyle

I strongly disagree that this isn’t a lot of money and isn’t life changing. Like you, I live a HCOL City. The vast majority of my income (over 80 percent!) is spent on housing, childcare, retirement savings and 529s. You say you’re on track for retirement already so you don’t even need this money f...
by Nearly A Moose
Tue Apr 24, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10289

Re: Cashing out of the Bay Area

We have good friends who recently left Oakland after 15yrs. Made a million dollar profit from selling their house. Moved to North Carolina, bought a house in cash for 500K, the husband comes home now every day at 5pm, the wife is now staying home with their children. My friend misses fresh produce,...
by Nearly A Moose
Tue Apr 24, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Does Zillow show a history of owner changes to house data?
Replies: 5
Views: 900

Re: Does Zillow show a history of owner changes to house data?

GoldenFinch wrote:
Tue Apr 24, 2018 5:26 am
The history only reflects sale prices and asking prices, not estimates. You can play around with the stats of your house and make the estimate go up and down.
Cool, thanks!
by Nearly A Moose
Mon Apr 23, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does Zillow show a history of owner changes to house data?
Replies: 5
Views: 900

Does Zillow show a history of owner changes to house data?

Zillow lets you create an account and claim a house as yours. I'm toying with the long term idea of doing an addition and/or reconfiguration. I don't out too much stock in Zillow's estimates (but man, if they're right about my house ... :greedy ), but since I understand a lot of their formula is bas...