Search found 441 matches

by Nearly A Moose
Thu Apr 20, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 80
Views: 8695

Re: Should I cancel my whole life policy?

I feel for you. I was sold one of these things (luckily half the death benefit and half the premium) a few years ago. I'm struggling with what to do it with it (and will probably post my own policy sometime this year), but that's in part because I'm somewhat closer to the breakeven period (but still...
by Nearly A Moose
Thu Apr 20, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

*Car loan: $10,500 outstanding balance; 1.5% rate; paying $460/mo; payoff ~ Feb. 2018 Help me out with this - assuming you haven't yet made the April 2017 payment, you are paying $460/month and contemplate 14 months until payoff. But that translates to $6440 in payments, and your balance is $10,500...
by Nearly A Moose
Thu Apr 20, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

Scheduled the transfer from Vanguard to my checking account and got my payoff quotes from the lenders. Planning to zap the student loans out of existence on Friday, then will crack a cold one in their memory :) Congrats, speaking from experience, they will NOT be missed! :beer The money transferred...
by Nearly A Moose
Wed Apr 19, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5863

Re: How to make best use of lunch with the company president/CEO?

I'd strongly urge you to heed Bacchus's advise and to very careful with some of the cynical answers you're hearing in this thread. Yes, it is entirely possible the CEO is sitting on some bombshell news that will affect your division or the company more broadly. Guess what, a lunch with 10 employees ...
by Nearly A Moose
Tue Apr 18, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5992

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

I don't usually chime in on the investing threads (still learning myself), but I'm going to echo the "slow down" chorus. Make that, "stop right now." This strategy seems to make little sense - lots of slicing and dicing (presumably to tweak yield and risk) within an insurance pro...
by Nearly A Moose
Tue Apr 18, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: 'True' Cost Of A More Expensive House
Replies: 22
Views: 3935

Re: 'True' Cost Of A More Expensive House

(Mostly voice dictated, pardon any nonsensical phrases) I believe we've heard so far interest payments, insurance, taxes, opportunity cost of the difference in price, and the general desire to keep up with the Joneses. Some other things to think about: - are there any special features to the more ex...
by Nearly A Moose
Mon Apr 17, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

yes yes Scheduled the transfer from Vanguard to my checking account and got my payoff quotes from the lenders. Planning to zap the student loans out of existence on Friday, then will crack a cold one in their memory :) Decided to continue paying the car loan. The interest rate is very low, and I th...
by Nearly A Moose
Mon Apr 17, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

I would definitely pay off the car note - can't deduct this in most situations. As far as student loans, you can pay off it down enough to still get maximum interest deductible. Interesting point on the interest deduction... however, with the 10,500 auto loan ($460) and 10,700 loan ($680) being the...
by Nearly A Moose
Mon Apr 17, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 40
Views: 5840

Re: Ally 1 Day Transfer

This has worked very smoothly transferring from Ally to Schwab.
by Nearly A Moose
Mon Apr 17, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: More advice for BigLaw Survivor, please?
Replies: 180
Views: 20759

Re: More advice for BigLaw Survivor, please?

I have nothing to offer other than my thanks for posting this thread and for the regular updates. I'm a big law senior associate (this far happier with my experience than you seem to have been with yours), am cautiously optimistic about my advancement prospects, and very interested in learning what...
by Nearly A Moose
Mon Apr 17, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Provence and Normandy
Replies: 11
Views: 1067

Re: Provence and Normandy

Avignon is lovely. I would really suggest getting to spend some time Arle, which is 30-45 minutes away by train. Small historical walled roman town, complete with a still-standing coliseum and the ruins of an amphitheater that the town still uses today. There are a couple nice squares to lounge abou...
by Nearly A Moose
Mon Apr 17, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5055

Re: Gardening 2017

Lettuce, chard, kale, spinach, carrots, and bok choy in our raised bed in DC as of two weekends ago. Just started coming up a few days ago. Going to add the next round of greens next weekend, and will fill out the rest of the bed with carrots (realized last year I didn't have the time to keep up wit...
by Nearly A Moose
Mon Apr 17, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: More advice for BigLaw Survivor, please?
Replies: 180
Views: 20759

Re: More advice for BigLaw Survivor, please?

I have nothing to offer other than my thanks for posting this thread and for the regular updates. I'm a big law senior associate (this far happier with my experience than you seem to have been with yours), am cautiously optimistic about my advancement prospects, and very interested in learning what ...
by Nearly A Moose
Fri Apr 14, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

I would definitely pay off the car note - can't deduct this in most situations. As far as student loans, you can pay off it down enough to still get maximum interest deductible. Interesting point on the interest deduction... however, with the 10,500 auto loan ($460) and 10,700 loan ($680) being the...
by Nearly A Moose
Fri Apr 14, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

Thanks all for weighing in. Based on what I'm hearing, I think we'll probably pay off the student loans but perhaps keep the car loan, as it's interest rate is at or below what the bond fund is yielding, and all else equal I'd probably prefer the liquidity just in case it's needed sooner. And we'll ...
by Nearly A Moose
Fri Apr 14, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

If I can rephrase your question: Should you pay off your other debt before you buy another house? Without knowing more, I feel like the obvious and correct answer is yes. Would you agree? I guess I view this as less of a debt payoff question and more of a returns and cashflow question. I haven't ha...
by Nearly A Moose
Fri Apr 14, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Re: Should I pay off these loans?

Do you have other cash/Emergency fund beyond the $50k saved for the down payment? Clearing the student loans is a guaranteed 4.5%/4.3%. The car loan rate is low, but the car is depreciating each month. I am one that thinks you would be far ahead to clear the debts now. $1,590 of cash flow by paying...
by Nearly A Moose
Fri Apr 14, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12189

Re: Ordering a Weber grill this week

I'm probably asking on the wrong board, but is a Weber Genesis worth the extra $1,000? We don't do anything fancy on our grill....but assuming I have the means, I wonder if it's worth it. Does it look noticeably nicer (I know that's a subjective assessment, but just curious). I agree with btenny. T...
by Nearly A Moose
Fri Apr 14, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4880

Re: What do you do with your coins?

I keep a roll of quarters in the car. I've been known to just throw away the odd penny I find lying around. The rest of the change goes to my daughter, who gets to put it in her piggy bank. She's 2.
by Nearly A Moose
Fri Apr 14, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 7482

Re: Physician using Turbotax, owing 30K so far already...

relax. You should be fine this year. As long as you had more than 2015 tax withheld there should be no penalty. Going forward have them with hold extra 2000 pm for taxes or so. Basically safe harbor. I had this happen the first year my wife and I were married - we had the same imbalance where her e...
by Nearly A Moose
Fri Apr 14, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2455

Should I pay off these loans?

I had one of those "huh..." moments recently and could use some input from the forum. Here's the situation. We have a pile of money ($50,000) that will be used as down payment on a new house, likely in Spring 2019 (along with the proceeds from the sale of our current house). We will be add...
by Nearly A Moose
Thu Apr 13, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1526

Re: Ebay Valet - Thoughts?

Thanks, everyone, this is helpful and confirms my gut reaction - that it's just too big of a cut.
by Nearly A Moose
Wed Apr 12, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1526

Ebay Valet - Thoughts?

Has anyone used Ebay Valet recently? If so, how was the experience? Here's a link to what I'm referring to: http://www.ebay.com/s/valet#questions Basically you ship your stuff to Ebay, they try to sell it, and if they do, they take their cut and send you the balance. And you can just drop your stuff...
by Nearly A Moose
Wed Apr 12, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer (a friend)
Replies: 25
Views: 2641

Re: Advice for first time homebuyer (a friend)

I live in this area and am closing on a new construction house (tear down of a 1945 house) that is very nice. Bottom line, these decisions involve risks and tradeoffs. We spent years preparing (income, assets, down payment, credit) and everything is moving smoothly. Our priority requirements were a...
by Nearly A Moose
Wed Apr 12, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer (a friend)
Replies: 25
Views: 2641

Re: Advice for first time homebuyer (a friend)

I live in this area and am closing on a new construction house (tear down of a 1945 house) that is very nice. Bottom line, these decisions involve risks and tradeoffs. We spent years preparing (income, assets, down payment, credit) and everything is moving smoothly. Our priority requirements were a...
by Nearly A Moose
Wed Apr 12, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer (a friend)
Replies: 25
Views: 2641

Re: Advice for first time homebuyer (a friend)

DC housing prices are nuts. But there has been tremendous growth inside the beltway, and so far the prices have been steadily increasing but not skyrocketing quite like what I hear is happening in the Bay Area. I live in Capitol Hill in an old renovated rowhome (warning: don't buy a full gut reno un...
by Nearly A Moose
Wed Apr 12, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 3123

Re: Backyard shed, wood or plastic?

Depends on where it (geographically and within your yard) and how long you want it to last. If you won't live there 5 years from now and don't want to put in a lot of effort (and don't live in the desert), get a decent plastic one and set aside 2-4 hours to build it right. You should have some sort ...
by Nearly A Moose
Wed Apr 12, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12189

Re: Ordering a Weber grill this week

If I could do it again, I'd absolutely buy the upgraded version with the side burner and sear station. I hadn't appreciated this when I had an older grill that I used less, but I almost always have a side going on a skillet on the stove while I'm grilling, and it's usually something like sauteed ve...
by Nearly A Moose
Tue Apr 11, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12189

Re: Ordering a Weber grill this week

With apologies in advance for not having been able to get through the full set of replies, I have the Genesis E310 (older version) and am quite happy with it. The closed storage helps make the back yard look more tidy, and I at least would like to think it keeps a couple of the critters out of the g...
by Nearly A Moose
Tue Apr 11, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 4569

Re: Prewiring house for tv and internet. Worth it?

I'd just say based on my own experience with a "wireless" house that having at least a few hardwired points is helpful and gives you options. So I'd at least do a few key areas (eg office, basement, living room). But from what others are saying, this is cheap relative to the costs of a fu...
by Nearly A Moose
Tue Apr 11, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2237

Re: Cordless Vacuum Cleaners

I had to go check, but I bought a Dyson DC35 refurbished in April 2014. It's worked just fine. I use it for light touch-up cleaning. I've never had issues with suction or batter, and I can usually get at least 20 minutes of runtime out of it. It's hardly ever run out before I was done with it. A nic...
by Nearly A Moose
Tue Apr 11, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 4569

Re: Prewiring house for tv and internet. Worth it?

The latest greatest DirecTV boxes are wireless. Roku, Amazon Fire TV, Apple TV...all wireless. The new wireless routers can extend to the whole home and service dozens of devices. Land lines..disappearing. I would not spend the extra money to run cable, phone, Ethernet to every possible room. I'd j...
by Nearly A Moose
Tue Apr 11, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 4569

Re: Prewiring house for tv and internet. Worth it?

Haven't been in your shoes yet (although I've seen my parents and a close friend both build houses and watched the thought process that went into it), but I'd suggest doing that, especially if you'll be living in the house. I understand it's a lot cheaper to do that wiring in advance while the walls...
by Nearly A Moose
Sun Apr 09, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2237

Re: Cordless Vacuum Cleaners

Seems like it might be more connvenient if battery just stayed in vacuum and was plugged in all the time. Then it would be instantly ready any time - all you would have to do is lift it off the charger and go. Just to be clear....the Dyson electrical cord plugs into the battery like a phone. You ca...
by Nearly A Moose
Sun Apr 09, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 61
Views: 6524

Re: 27yr curious about my investment personel and strategy

From personal experience, don't expect this to be a constructive, pleasant, or satisfying conversation. One way to frame it might be to turn this into a request for a proposal: "I've decided I'd like to pursue a passive investing, index-based, low-cost, low-turnover, tax-efficient approach to i...
by Nearly A Moose
Sat Apr 08, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 11814

Re: High Income earners, whats your Tax Strategy?

Usual stuff: - max my 401k - wife contributes 100% to her 403B - backdoor Roth for both - HSA max - 529 for each of 3 kids plus wife and I What's the strategy in having 529s with you and your wife as beneficiaries? Are you actually planning to go back to school, or do you have a different use? We c...
by Nearly A Moose
Sat Apr 08, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing to put less than 20% down...why is this wrong?
Replies: 51
Views: 5202

Re: Choosing to put less than 20% down...why is this wrong?

With an 800 credit score, you may qualify for a HELOC after purchase with 20% down. You can likely open it at no cost, and then not use it except in an emergency. This makes some of your down payment available without actually holding it as cash and paying a higher interest rate plus PMI on a large...
by Nearly A Moose
Sat Apr 08, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 11814

Re: High Income earners, whats your Tax Strategy?

Bacchus01 wrote:Usual stuff:

- max my 401k
- wife contributes 100% to her 403B
- backdoor Roth for both
- HSA max
- 529 for each of 3 kids plus wife and I



What's the strategy in having 529s with you and your wife as beneficiaries? Are you actually planning to go back to school, or do you have a different use?
by Nearly A Moose
Thu Apr 06, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Good way to value a wedding dress for taxes?
Replies: 13
Views: 1319

Re: Good way to value a wedding dress for taxes?

The fact that you got rid of it tells me that it is probably worth less than $20. Thanks for reading and posting. Since yours is the most recent post raising this point, I'm responding here but don't necessarily mean to single you out, but I'm confused by the several comments to this effect. If I d...
by Nearly A Moose
Thu Apr 06, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Good way to value a wedding dress for taxes?
Replies: 13
Views: 1319

Re: Good way to value a wedding dress for taxes?

I looked up what I could probably have sold it for on ebay (what similar dresses in that brand were going for) and used that value. I paid $1650 for the dress originally (plus tax, plus rush fee, plus alterations which put the final price over $2000). I think I deducted around $400 for it. I waited...
by Nearly A Moose
Thu Apr 06, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Good way to value a wedding dress for taxes?
Replies: 13
Views: 1319

Re: Good way to value a wedding dress for taxes?

Silk McCue wrote:This website might be able to help you come up with a defensible value for the dress.

https://www.preownedweddingdresses.com/ ... calculator


Thanks, I'll check this out.
by Nearly A Moose
Wed Apr 05, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Good way to value a wedding dress for taxes?
Replies: 13
Views: 1319

Good way to value a wedding dress for taxes?

I was about to file when I realized that I still need to value the wedding dress my wife finally donated to charity this year. The "ItsDeduxtible" program built into Turbo Tax values wedding dresses at $21, which I think is a tad low given what we paid for this. I'd like to identify some o...
by Nearly A Moose
Wed Apr 05, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Universal Life - how long to stay?
Replies: 24
Views: 2658

Re: Variable Universal Life - how long to stay?

I believe, based on my reading of WCI and others, that you could also do the 1035 exchange into an annuity and immediately cash out the annuity, taking the difference between your cost basis and the cash out value as a general loss on your tax returns (the reason you'd do the 1035 exchange is that y...
by Nearly A Moose
Tue Apr 04, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 6169

Re: Help with college choice

I'll confess to not having read the full thread, as it's late, but the topic and dilemma speak to me. Objectively, these are all great schools. Yes, some are better than others. But to a large degree, especially as an undergrad, the best students will rise to the top of their institutions, and if th...
by Nearly A Moose
Mon Apr 03, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Synology and IP Camera Setup
Replies: 13
Views: 1295

Re: Synology and IP Camera Setup

I'm much less up on tech issues than I was 10 years ago, but still know enough to be dangerous, and I'm quite happy with my Synology NAS. Incredibly easy to setup (did it in one pass during my kids' naptime). Software is very easy to use. I know I'm not really getting everything out of it that I cou...
by Nearly A Moose
Mon Apr 03, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4967

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

Politics aside, I'm planning on none but hoping for something reasonably like what we have now. My rationale is that by assuming none, I'm being very conservative in adding some "padding" to my safe withdrawal rate, and it helps push me toward saving more aggressively. Given that it is a g...
by Nearly A Moose
Sat Apr 01, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to access new DC 529 Plan Page
Replies: 0
Views: 292

How to access new DC 529 Plan Page

Just a PSA, as this caught me by surprise. The plan administrator (or whatever you call the company that runs the plan) for the Washington DC 529 plan recently changed from Calvert to Ascensus. I've known this and that it was happening around now, but I never received any communication (email or sna...
by Nearly A Moose
Fri Mar 31, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 89446

Re: High Earners - What's Your Profession?

Writer/digital publisher. Income varies but generally between 110-200K, starting in 2011. The Kindle boom has been generous but I don't expect it to last past 2020 or so, which is why I am saving and investing very aggressively. Interesting revival to an old thread. I'm not at all in your field but...
by Nearly A Moose
Thu Mar 30, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Short term munis vs. CDs for extra cash on hand?
Replies: 7
Views: 1013

Re: Short term munis vs. CDs for extra cash on hand?

If you know you need the cash in 2-3 years (and likely not sooner), that lines up reasonably well with some popular CD timeframes, making it more practical to buy CDs with liquidity when you need it without having to do a bunch of laddering. You're not talking about returns that much more than a sav...
by Nearly A Moose
Mon Mar 27, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3546

Re: thoughts on in-ceiling speakers?

My experience with in-wall speakers has been with my parents' houses (built 2000 and ~2012). Let's say I've been less than impressed by both the functionality and the sound quality. I'm not an audiophile. I have a 5.1 surround in my living room with a set of $600 small scale speakers (bought 2010) t...

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