Search found 774 matches

by Nearly A Moose
Fri Mar 02, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Nanny Payroll Services - Who do you use?
Replies: 17
Views: 1394

Re: Nanny Payroll Services - Who do you use?

We're on year three of care.com and have been very happy. $1,000/yr to have them handle everything - taxes and payroll. A bit pricey (although small compared to the rest of our nanny costs), but well worth it in my opinion. I do my own personal taxes but didn't want to have to bother with the payrol...
by Nearly A Moose
Fri Mar 02, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7246

Re: Kitchen features

Does anyone have experience with drawer-style dishwashers? I've seen them popping up in high-end renovations, and we have sets of them in our office breakrooms. Basically, it's two drawers, each of which is the same width but half the height of a standard dishwasher, and you can run them separately...
by Nearly A Moose
Fri Mar 02, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7246

Re: Kitchen features

Does anyone have experience with drawer-style dishwashers? I've seen them popping up in high-end renovations, and we have sets of them in our office breakrooms. Basically, it's two drawers, each of which is the same width but half the height of a standard dishwasher, and you can run them separately....
by Nearly A Moose
Fri Mar 02, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 2578

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

13" or 15" screen, and retina or no retina display? I have a 15" Macbook Pro Retina from 2012 that is still my daily driver and is showing no signs of giving out (knock on wood). I even still do some light gaming, albeit with circa 2014 non-FPS games, and light photo editing. The screen is quite nic...
by Nearly A Moose
Fri Mar 02, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7246

Re: Kitchen features

Bookmarking this for future reference, you're getting some great ideas and my own wish list is unfortunately expanding. You asked about how to handle high cabinets for storage. We have some in our current setup (also city living) and don't see how we'd ever get away from them - space is too valuable...
by Nearly A Moose
Fri Mar 02, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2423

Lost social security card, steps to take?

My wife managed to lose her entire wallet, including social security card. Best guess it just fell out of her purse walking through the city (or was "encouraged" to fall out... :annoyed ). She's getting a new license, we're cancelling credit cards, etc. No fraudulent activity showing up in any accou...
by Nearly A Moose
Wed Feb 28, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 75
Views: 11875

Re: Sous Vide?

Another vote for the Anova. (I'll confess to not skimming the whole post, sorry). The bluetooth feature is useless, but if you like to automate cooking the wifi might be nice. But basically you just need something to get a pot of water to a consistent temperature and circulate it. Pretty simple stuf...
by Nearly A Moose
Wed Feb 28, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Possible career change - move to HCOL area and salary expectations?
Replies: 15
Views: 1762

Re: Possible career change - move to HCOL area and salary expectations?

Keep in mind, it's not just housing costs that are different. Nearly everything is more expensive in a VHCOL city like NYC, both services and goods. I was recently back in a smaller town, bought a round of drinks at a bar for a whole ton of people, and then had to triple check to make sure the bar t...
by Nearly A Moose
Wed Feb 28, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Paying to Build an Apartment on my Son's House
Replies: 6
Views: 1245

Re: Paying to Build an Apartment on my Son's House

If you're looking for suggestions for how to handle those possibilities, we probably need more info. Are you living there full time, can they afford the cost (if there's a loan) themselves without your help, are you planning to pay rent, can you afford to buy the entire property from them, is this a...
by Nearly A Moose
Tue Feb 27, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Starting a consultant business - where to start learning?
Replies: 11
Views: 1099

Re: Starting a consultant business - where to start learning?

One more thought to add to my #6 above about pricing. Another option is a monthly retainer in exchange for a set number of hours (this can be difficult to predict until you and the client fall into a rhythm). I've been assuming that you'd be selling your services, which is pretty typical of consulta...
by Nearly A Moose
Tue Feb 27, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Starting a consultant business - where to start learning?
Replies: 11
Views: 1099

Re: Starting a consultant business - where to start learning?

Not a consultant, but in a field where some people end up going solo (law), and I work with solo consultants. So value this as you see fit: 1. Far and away the best thing you can do is to find a mentor or two in a field reasonably related to yours who has successfully set out on his/her own as a con...
by Nearly A Moose
Thu Feb 22, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37377

Re: What UN-frugal thing do you do?

I’m looking at manual burr grinder and a pour over thingy for better coffee. My Bunn does alright but I want the next level now :beer Do it, you will not be disappointed. I did it. About $80 for a scale, pour-over big enough for two and then some, and a manual burr grinder. Can't wait to get it! On...
by Nearly A Moose
Thu Feb 22, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37377

Re: What UN-frugal thing do you do?

pennstater2005 wrote:
Thu Feb 22, 2018 10:29 am
I’m looking at manual burr grinder and a pour over thingy for better coffee. My Bunn does alright but I want the next level now :beer
Do it, you will not be disappointed.
by Nearly A Moose
Thu Feb 22, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37377

Re: What UN-frugal thing do you do?

I won't drink cheap alcohol. While not a annoyingly zealous craft beer guy, I don't drink mass produced American beers (with one exception, below). Fortunately I have five microbreweries within a ten mile radius. Usually drink only Scotch single malts unless the tavern I am at has only blended whis...
by Nearly A Moose
Wed Feb 21, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37377

Re: What UN-frugal thing do you do?

We spend an insane amount on childcare. But we’re hoping it means we emerge from the diaper stage with two full-throttle careers. But man oh man...
by Nearly A Moose
Thu Feb 15, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does this sound like a solid plan for a 21 year old?
Replies: 9
Views: 575

Re: Does this sound like a solid plan for a 21 year old?

You don't really need to worry about rebalancing at this point in life. This is good savings, but it also will be overwhelmed by contributions over the next 10 years. If you don't need it for post-graduation liquidity, then go for your 50/50 split and rebalance by using new contributions or, if you ...
by Nearly A Moose
Thu Feb 15, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall & Investment Planning
Replies: 3
Views: 446

Re: Windfall & Investment Planning

How "invested" are you in the idea of crypto? That's a lot of Bitcoin or whatever in absolute terms, and still between 5-10% of your net worth. I hold a little crypto but honestly can't tell if I'm sold on it. If I had that much, my plan would be to cash out, but I don't know what your basis is in i...
by Nearly A Moose
Thu Feb 15, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: C-Suite etiquette advise needed
Replies: 27
Views: 3822

Re: C-Suite etiquette advise needed

That's a tough one. Most luxury hotels will know exactly how to accommodate you. I'd find out which assistant is arranging the whole trip (possibly the CEO's assistant) and talk with them directly. Without excess apologizing, let them know that you'd like to ensure that your dietary needs are accom...
by Nearly A Moose
Thu Feb 15, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell - DC Version
Replies: 15
Views: 1164

Re: Rent or Sell - DC Version

We faced a similar decision and decided to sell which for us was probably a financial loser but still the right decision. The questions I'd ask are whether you have considered all the issues related to being a landlord. This is a very good thread, ICYMI https://www.bogleheads.org/forum/viewtopic.ph...
by Nearly A Moose
Thu Feb 15, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Please Check my W-4 Strategy
Replies: 5
Views: 781

Re: Please Check my W-4 Strategy

I believe the TCJA changed the supplemental withholding rate on bonuses less than $ 1 million to 22% instead of 25% . I have also seen some reports that it changed to something else, but I'll go with the numbers in Pub 15 I can confirm this is correct from what my MegaCorp employer has told us. Tha...
by Nearly A Moose
Wed Feb 14, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Please Check my W-4 Strategy
Replies: 5
Views: 781

Please Check my W-4 Strategy

This seems straightforward, but it's always nice to get an informed second opinion. I need to update my and my spouse's federal tax withholdings with new W-4s. I'm paid salary with a fairly large (percentage-wise) but not necessarily predictable end of year bonus (hits last day of December). Wife is...
by Nearly A Moose
Wed Feb 14, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11813

Re: Did you learn anything from the market correction?

It was reinforced to me how silly the financial media reactions and attempt to explain drivers are. After a historical run up that everyone thought was over blown (a melt-up as the press called it) it seemed to be broad consensus that a correction would make sense. Then the day it happened people a...
by Nearly A Moose
Wed Feb 14, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4305

Re: Is This Action by Megacorp Legal?

Not to throw cold water on this, but the S&P500 is basically even with where it was January 2. So in broad strokes, your friend's portfolio would be more or less in the same place regardless of the equity allocation. And, any additional losses or gains aren't that high in the grand scheme of things ...
by Nearly A Moose
Tue Feb 13, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3930

Re: Home buying: how to send postcards to neighborhood we want to live in?

This type of stuff happens all the the time. It's sort of an offshoot of "driving for dollars," where investors drive around neighborhoods and look for aging homes and find the owners in public tax records. I don't feel like this is an exceptional use of your time. Zillow has the "make me move" opt...
by Nearly A Moose
Tue Feb 13, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2425

Re: Lower Payroll Withholding - What are you doing with it?

Lower payroll withholding due to the new IRS tax tables for 2018 is resulting in higher take-home pay (for those employed). I am investing it according to our IPS. What are you doing with yours? It pushed me to underwithhold territory (about 4k under safe harbor) for this year. I'm letting it ride ...
by Nearly A Moose
Tue Feb 13, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1197

Re: Increased pay versus personal and job satisfaction

Id jump on this chance. I don't know academia well, but I have to imagine that as you progress, the scales will tilt even more toward funding and grants and management and away from teaching. With this opportunity, you could give yourself a huge boost financially, still be able to visit friends and ...
by Nearly A Moose
Mon Feb 12, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 2283

Re: How much life insurance - and for how long?

I lean toward option A. Remember that you may well be able to cancel that residual 30 yr term before it runs its course. FYI, we just did a similar project as you're doing and ended up with a 20/30 yr ladder. Ratio is 5:4 20/30 if that makes sense, so pretty similar to yours. I drove myself crazy tr...
by Nearly A Moose
Sun Feb 11, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3286

Re: Good Hotel in DC

Need more details on budget, how important walkability is to you, and how much you want to be right in the center of things. Lots of good suggestions. I also like the Kimpton properties - stayed in several before moving to town. I'm partial to the one in Penn quarter / China Town - good access to th...
by Nearly A Moose
Sun Feb 11, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 1981

Re: what to look for when buying a flipped house

Tread extremely carefully. I would not have bought mine knowing what I know now. So far nothing overly serious, but poot workmanship and obvious corner cutting. I will look next time at homes owners have lived in for awhile. Different flippers have different reputations. Figure out what your potenti...
by Nearly A Moose
Fri Feb 09, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my Tax Loss Harvest Strategy
Replies: 12
Views: 788

Re: Please critique my Tax Loss Harvest Strategy

What about 529s for wash sale purposes? A 529 is a completed gift, so it shouldn't be an issue, right?
by Nearly A Moose
Fri Feb 09, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my Tax Loss Harvest Strategy
Replies: 12
Views: 788

Re: Please critique my Tax Loss Harvest Strategy

Good point on the 401k, I had forgotten that. I'm inclined to not force the issue, however.
by Nearly A Moose
Fri Feb 09, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my Tax Loss Harvest Strategy
Replies: 12
Views: 788

Re: Please critique my Tax Loss Harvest Strategy

Thanks for weighing in. To Taylor's point, I'm not planning to make this a regular thing - I'm not subscribed to the really bad day thread, for example - but I think it would be worth it at least for the small income offset (I'm in a high bracket) and because I'm going to start funneling my charitab...
by Nearly A Moose
Fri Feb 09, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my Tax Loss Harvest Strategy
Replies: 12
Views: 788

Please critique my Tax Loss Harvest Strategy

Greetings, all. On my financial to-do list has been adding to my IPS a strategy for tax loss harvesting (TLH). The recent market antics have prompted me to follow through on that. I’m looking for input on my TLH plan. Sorry for the long post, but I’ve given this some thought and have tried to get al...
by Nearly A Moose
Thu Feb 08, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3885

Re: Why does my wife have this portfolio?

That's a lot of money in just 14 individual stocks. I don't know all the tickers, but it also seems potentially tech heavy. I agree with the others who say to read lightly. But perhaps a middke ground is to transition out of all individual stocks into more diversified funds. Even if these are blue C...
by Nearly A Moose
Thu Feb 08, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Removing personal info on internet
Replies: 10
Views: 1707

Re: Removing personal info on internet

randomizer wrote:
Wed Feb 07, 2018 8:58 pm
Alas, I think the ship has sailed, the horses have bolted out the open barn door, and the chicken has flown the coop.
I think the cat is out of the bag, too.
by Nearly A Moose
Wed Feb 07, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 6089

Re: How to stop mail for former occupants?

The USPS doesn't care what you write on there and send back for them to handle. The just round file/recycle it. That's the best bet for OP as well. I am not sure that this is true. At work, I have seen mail returned to us and I believe including those as described. I've definitely had it redelivere...
by Nearly A Moose
Wed Feb 07, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: House renovation financing
Replies: 17
Views: 1300

Re: House renovation financing

Can you secure a construction or renovation loan? Cash out refinancing?
by Nearly A Moose
Wed Feb 07, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 6089

Re: How to stop mail from former occupants?

From my experience, it will never stop. Sorry.

If you're getting catalogues, you should be able to contact the senders one by one to unsubscribe (or try Catalog Choice). If anyone has had success here, I'd love to know about it.
by Nearly A Moose
Wed Feb 07, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Try for promotion? Have you faced similar?
Replies: 9
Views: 1197

Re: Try for promotion? Have you faced similar?

I'm in the go for it camp. Don't know exactly what you do, so it's hard to figure out the differences in the roles, motivations, etc. But consider whether one reason your passion is fizzling might be you getting bored with your current role or not feeling sufficiently challenged anymore. And while e...
by Nearly A Moose
Tue Feb 06, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting money to new born
Replies: 27
Views: 1566

Re: Gifting money to new born

This conversation may have run its course, but let let me offer a bit of my own perspective as a parent of young children. First, money gifts are very thoughtful and helpful, and it's nice of your family to want to do that. Some thoughts: * They should be thoughtful about how much they're giving and...
by Nearly A Moose
Mon Feb 05, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3899

Re: $1000 a month for life into a taxable account

49% Total US Stock Index 21% Total International Stock Index 30% Int-Term Tax-Exempt Bond index Re-balance on your birthday each year. I like it. Is there a way to "set it and forget it" so that it automatically buys the same # of shares per month? I do not think the new brokerage accounts allow fo...
by Nearly A Moose
Mon Feb 05, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10409

Re: RBD alert

vk_217 wrote:
Mon Feb 05, 2018 3:14 pm
Should I exchange my bonds to equities.Sorry 1 year BH here and I have about 25k in equities and 5K in Bonds.
Only if it’s part of your long term plan. Do you an IPS that says to do this? Recommend caution just jumping into buy/sell decisions.
by Nearly A Moose
Mon Feb 05, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 47236

Re: Today was a Really Bad Day

Should I have noticed? Someone also told me my bitcoin dropped.
by Nearly A Moose
Sun Feb 04, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is taxcaster 2018 accurate for AMT?
Replies: 12
Views: 1115

Re: Is taxcaster 2018 accurate for AMT?

Is the consensus that this is unlikely trigger AMT for tax year 2018? I've had a hard time finding a good tool, and I'll confess that Ive tried and simply cannot get a good intuitive handle on the AMT. "Good" may be in the eye of the beholder, but when we put our 2017 situation into the personal fi...
by Nearly A Moose
Sun Feb 04, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is taxcaster 2018 accurate for AMT?
Replies: 12
Views: 1115

Re: Is taxcaster 2018 accurate for AMT?

...................................................................... Taxcaster suggests no AMT for 2017 and since it seems AMT is less likely in 2018, I would guess no AMT in 2018. ............................................ But are you suggesting I plug in my 2017 information, but cap my SALT p...
by Nearly A Moose
Sun Feb 04, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Is taxcaster 2018 accurate for AMT?
Replies: 12
Views: 1115

Re: Is taxcaster 2018 accurate for AMT?

Thanks, all. Here's my situation (roughly): $550k W2 income (probably $75k gets taken out pre-tax), ~$5k in long term cap gains, MFJ, will max out SALT deduction, around $25,000 in mortgage interest deduction (perhaps $1-2k will be capped out), $5-10k in charitable contributions. Is the consensus t...
by Nearly A Moose
Sun Feb 04, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Is taxcaster 2018 accurate for AMT?
Replies: 12
Views: 1115

Re: Is taxcaster 2018 accurate for AMT?

Thanks, all. Here's my situation (roughly): $550k W2 income (probably $75k gets taken out pre-tax), ~$5k in long term cap gains, MFJ, will max out SALT deduction, around $25,000 in mortgage interest deduction (perhaps $1-2k will be capped out), $5-10k in charitable contributions. Is the consensus th...
by Nearly A Moose
Fri Feb 02, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Selling and buying a home in a high market
Replies: 9
Views: 837

Re: Selling and buying a home in a high market

Can you upgrade your existing house instead, if there are specific things you want changed?
by Nearly A Moose
Fri Feb 02, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is taxcaster 2018 accurate for AMT?
Replies: 12
Views: 1115

Is taxcaster 2018 accurate for AMT?

Have any of the BH tax junkies verified that Taxcaster 2018 is giving accurate figures? I have this vague recollection that several years ago Taxcaster wasn't doing AMT well (I could be wrong), and i haven't really used it for years. I'm trying to calibrate my withholdings for 2018, and running Taxc...
by Nearly A Moose
Wed Jan 31, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2257

Re: Wireless Earbuds For Running (Updates for 2018?)

Anker has a good and reasonably priced model. Don't have the link handy.