Search found 292 matches

by Nearly A Moose
Tue Oct 25, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

Nearly A Moose: I have been covered by Federal Blue Cross for nearly 50 years. Never had a problem. Together with Medicare after age 65, all our medical bills have been paid in full without argument! I understand the federal government subsidizes a significant part of the premium which helps make i...
by Nearly A Moose
Tue Oct 25, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

If I follow, the premiums come out of the payor's salary pre-FICA, and the "benefit" of sheltering that income from FICA withholding ends when you pass the cutoff? So, if I hypothetically passed the SS wage base at the end of July, and she would pass the base in December or possibly not a...
by Nearly A Moose
Tue Oct 25, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

Thanks for the reply. Want to double check the premise, though. If we went all through my employer (self + family), we would be paying between $1,000-$1,300 per month (depending on the plan options). If we went all through Fed BCBS Standard (self + family), we would be paying about $550 a month. Ob...
by Nearly A Moose
Tue Oct 25, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

[Duplicate post deleted]
by Nearly A Moose
Tue Oct 25, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

It would be a mistake to assume the Fed BCBS plan is better just because it’s through the federal government and it’s more expensive. A higher price does not make something a better product. Some quick and dirty math tells me you would be paying $6600 a year for the Federal family insurance or $560...
by Nearly A Moose
Tue Oct 25, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

Obviously you haven't provided details of your current plan, but FEHB is almost certainly better coverage for less cost. Don't limit yourself to only analyzing BCBS. Also, assuming you're over the social security wage base ($127k for 2017) your spouse stands to save an additional 7.65% on the premi...
by Nearly A Moose
Tue Oct 25, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

You can rest assured when it comes to most benefits federal employees will have the best, as they share them with Congress. The Fed BC/BS is outstanding and is offered at two levels. I feel that's true for basically everything but paid maternity leave. The gap between private practice and governmen...
by Nearly A Moose
Tue Oct 25, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Re: Federal Blue Cross - Good Value?

At the point when you both start thinking of retirement, it would be wise to consider meeting the requirements to carry FEHB into retirement. Premiums are the same as for active feds. Some info is below. Federal retirees and their surviving spouses retain their eligibility for FEHB health coverage ...
by Nearly A Moose
Tue Oct 25, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching Basic Person Finance
Replies: 37
Views: 2505

Re: Teaching Basic Person Finance

I threw out Millionaire Next Door just as a suggestion. There could be other good books. Maybe something by Suzy Orman? The broader point is that by using a book, pamphlet, finance blog, etc., to do the "lecturing", it puts a bit of a firewall between you and your SO. It's not you saying s...
by Nearly A Moose
Tue Oct 25, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching Basic Person Finance
Replies: 37
Views: 2505

Re: Teaching Basic Person Finance

Every relationship dynamic is different, so I could be way off base here, but I sense a bit of a "lecturing" tone on your part (and I'd be tempted to do that myself...). Perhaps I'm wrong, but I think you each first need to understand what the other person (1) thinks personal finance means...
by Nearly A Moose
Tue Oct 25, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1423

Federal Blue Cross - Good Value?

This is an imprecise question, and I'm just looking for a quick reaction to check myself. My wife and I (soon to be a family of 4) probably need to get consolidated into a single health plan. I've historically used UHC through my employer (private law firm). My share of monthly premium is around $1,...
by Nearly A Moose
Sat Oct 22, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: When have you given enough?
Replies: 65
Views: 5652

Re: When have you given enough?

Your kids have graduate degrees and apparently little to no debt. They will be just fine. You don't need to worry about protecting them. My parents are retired. If they told me they were passing on a fun vacation because they wanted to make sure my inheritance is a couple thousand dollars larger 25 ...
by Nearly A Moose
Fri Oct 21, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to co-own and co-occupy home with in laws
Replies: 34
Views: 3390

Re: How to co-own and co-occupy home with in laws

How are their finances? Would you be made more or less while upon their passing through inheritance? If so, you might just think of this as your way of contributing to intergenerational wealth. Yes, you'll be out some money, but you will have a house you can use down the road and a lot of goodwill ...
by Nearly A Moose
Fri Oct 21, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to co-own and co-occupy home with in laws
Replies: 34
Views: 3390

Re: How to co-own and co-occupy home with in laws

How are their finances? Would you be made more or less while upon their passing through inheritance? If so, you might just think of this as your way of contributing to intergenerational wealth. Yes, you'll be out some money, but you will have a house you can use down the road and a lot of goodwill f...
by Nearly A Moose
Fri Oct 21, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 2922

Re: How do you track your portfolio's performance?

Is there another easy/safe way aside from those sites and being an Excel expert that I’m not thinking of? Wade, I use the Bogleheads Wiki Calculating personal returns spreadsheet which calculates returns across multiple accounts. The spreadsheet also provides a growth of $10,000 chart. It is very e...
by Nearly A Moose
Thu Oct 20, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Matching children's Roth IRA contributions
Replies: 41
Views: 4023

Re: Matching children's Roth IRA contributions

This is a very generous thing you're doing. Your kids should be grateful. I would be. You might be giving them just the breathing room they need to get on a good financial footing. Family transfers of wealth--if well coordinated and if the recipients are good with their money--can be extremely valua...
by Nearly A Moose
Thu Oct 20, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 2922

Re: How do you track your portfolio's performance?

I like metrics and spreadsheets, so I run a few. There is a great multi-account internal rage of return spreadsheet for download from the wiki. You can find it under a page called tracking investments or something like that. (I'm too lazy to get it on my phone...) I doesn't take long to set up, and ...
by Nearly A Moose
Thu Oct 13, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing to buy a house
Replies: 15
Views: 1895

Re: Preparing to buy a house

Pulling a credit report does you no good. I disagree with that. The sooner you know of a problem on a report the sooner you can start fixing it. You are entitled to one free report each year from the credit reporting companies. You don't want to wait until you fail to get your pre-approval to find ...
by Nearly A Moose
Thu Oct 13, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Buying house. Best mortgage option?
Replies: 22
Views: 2625

Re: Buying house. Best mortgage option?

Off subject a bit..... My mom (in her mid 70s) is considering selling her house and moving into a retirement community - one of those Del Webb type places. She was thinking of purchasing the house prior to selling her current one, but would require a mortgage until hers sells. In fact, depending on...
by Nearly A Moose
Thu Oct 13, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Buying house. Best mortgage option?
Replies: 22
Views: 2625

Re: Buying house. Best mortgage option?

Hard to say with the info provided, but intuitively a middle ground option sounds right. I would be a bit reluctant to super-aggressively throw $800k into illiquid home equity in only a ten year period, unless you're just raking in the income. (Yes, you can get the money back using a Heloc, but ther...
by Nearly A Moose
Wed Oct 12, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Investing in CVX for the sake of dividends
Replies: 25
Views: 2090

Re: Investing in CVX for the sake of dividends

Ask your friend how that strategy worked out for all the Brits holding BP stock that still hasnt returned to pre Deepwater Horizon levels. At least there's a movie about it, right? Also how about Enron? That was a great stock for a long time, until it wasnt. And how about Coke, Pepsi, Proctor and G...
by Nearly A Moose
Mon Oct 10, 2016 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: What's going on with REITS this week?
Replies: 26
Views: 4286

Re: What's going on with REITS this week?

We have been REIT investors for many years and wills tay the course. Many years ago we added the Vanguard International REIT fund and this has been performing well and helping to offset the U.S. REIT fund. Tune out the noise! Not to hijack the thread, but are you talking about Vanguard Global ex-U....
by Nearly A Moose
Fri Oct 07, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5851

Re: Johnnie Walker Blue worth the cost?

Nobody ever lost a friend over Macallan 18 ^^^This. This a hundred times over. Although a few bottles ago I splurged and treated myself to a bottle of Macallan 21. Made going back to 18 harder. Macallan also at least at one point had a 15 year old special cask oak variety. I forget exactly what it ...
by Nearly A Moose
Fri Oct 07, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Bond allocation in Roth
Replies: 11
Views: 1167

Re: Bond allocation in Roth

I have my REIT allocation in my Roth in hopes that I will see appreciation and tax protection.
by Nearly A Moose
Fri Oct 07, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Do I need accidental death and dismemberment?
Replies: 18
Views: 1504

Re: Do I need accidental death and dismemberment?

I have a $500k (or so) policy through work. Automatically provided as a benefit. Probably wouldn't seek this out on my own, I'm a desk worker.
by Nearly A Moose
Fri Oct 07, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Interest Checking Account - Credit Union
Replies: 20
Views: 1838

Re: Interest Checking Account - Credit Union

Suggest setting an internal benchmark to look at a year down the road. For example, were you able to get the 4.5% each month (i.e. Did you get through all the hoops), were there any particularly time intensive aspects of this over the year, did you find jumping through the hoops irritating such that...
by Nearly A Moose
Thu Oct 06, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: What's going on with REITS this week?
Replies: 26
Views: 4286

Re: What's going on with REITS this week?

We have been REIT investors for many years and wills tay the course. Many years ago we added the Vanguard International REIT fund and this has been performing well and helping to offset the U.S. REIT fund. Tune out the noise! Not to hijack the thread, but are you talking about Vanguard Global ex-U....
by Nearly A Moose
Wed Oct 05, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding not to refi... Have I missed something?
Replies: 20
Views: 1819

Re: Deciding not to refi... Have I missed something?

$3000 cost and $500 savings. You only have six months till you break even, right? This, if I understand correctly. Don't see why you wouldn't refinance. Also agree $3k seems high. Query whether you would want to funnel the $500/month savings into prepaying the loan versus just investing in the mark...
by Nearly A Moose
Tue Oct 04, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Financing on new car (Subaru)...how much to put down upfront?
Replies: 13
Views: 1451

Re: 0% Financing on new car (Subaru)...how much to put down upfront?

As long as you trust yourself to manage the cash flow, no reason to prepay a 0% loan (aside from credit card points or some similar scheme). If you don't trust yourself, like the idea of the equivalent of more monthly cash flow, or tend to like to split to difference on decisions like this, you coul...
by Nearly A Moose
Fri Sep 30, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: when to stop contributing to 529
Replies: 34
Views: 4007

Re: when to stop contributing to 529

I funded the expected cost of each child at a private college, tuition plus room and board. Figured if there were excess, it could be used for grad school for either. If there is residual money, it can be used for grandkids, other close relatives, or yourself. Not worried about paying a penalty to ...
by Nearly A Moose
Thu Sep 29, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3429

Re: How closely do you check your credit card statements?

Hardly at all. I periodically pop into Mint to see where we are in the budget, and if a category looks weird, I dive in and quickly skim the transactions to see if a vendor looks funny or an amount of particularly large. Have never had a fraud problem, and frankly, even if I did, I'm willing to risk...
by Nearly A Moose
Mon Sep 26, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Three Full Days in Asheville, NC - Help for First Timers
Replies: 30
Views: 2734

Re: Three Full Days in Asheville, NC - Help for First Timers

Hard to go wrong with any of these suggestions. If you're able bodied, I'd strongly suggest a hike. Lots of options of varying skill levels nearby. I would absolutely recommend the Biltmore. It's not the cheapest thing in the world, but if you give yourself a full day there (which you can easily do)...
by Nearly A Moose
Mon Sep 26, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Handling house sale proceeds, am I being paranoid?
Replies: 6
Views: 617

Re: Handling house sale proceeds, am I being paranoid?

Are you in a rush for the money? If not, then just do the ACH pull if it makes you feel better. 2 weeks of missing out on 1% APY is not material. I don't have a credit union, so perhaps there are different rules, but isn't this over the FDIC insurance threshold? That would make me more nervous than ...
by Nearly A Moose
Fri Sep 23, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3998

Re: Can adult child gift money back to parent?

If we want to help an adult child with a house down payment, but the child does not want a gift and would rather pay us back over time (yes, basically the child would prefer a loan rather than gift), could we gift the $28,000 limit to the child and allow child to gift money back at a later date or ...
by Nearly A Moose
Thu Sep 22, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index
Replies: 24
Views: 3769

Re: Total Stock Market Index

This might be obvious, but I *think* people early on were saying wait until you have at least $10,000 in the account before adding a second find because many vanguard funds (and I believe the one you're in) require a minimum balance of $10,000 to buy Admiral shares, which have a slightly lower expen...
by Nearly A Moose
Wed Sep 21, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: major remodel: regrets or things you'd do again
Replies: 68
Views: 7564

Re: major remodel: regrets or things you'd do again

paper200 wrote:Nice job mss. Looks very good.


+1 :beer
by Nearly A Moose
Wed Sep 21, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Warm January Vacation?
Replies: 19
Views: 1941

Re: Warm January Vacation?

San Diego +1. Went here when wife was pregnant with our first. Also plenty to do with a young child (I'm assuming not so young that you're just dragging it wherever you go). I'm assuming FL (and the Caribbean, but you mentioned the US) are off limits due to Zika. AZ/Scottsdale also nice, but it sti...
by Nearly A Moose
Wed Sep 21, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 2191

Re: Recommendation on Tax Preparation Software

I use turbo tax. I buy the download version rather than the online version. This allows me to do multiple scenarios for Roth conversions, what-if's, etc; this may not be relevant to your situation. With only W-2, 1099's, no business, and no rentals, there is absolutely no reason not to do it yourse...
by Nearly A Moose
Wed Sep 21, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 2191

Re: Recommendation on Tax Preparation Software

I use turbo tax. I buy the download version rather than the online version. This allows me to do multiple scenarios for Roth conversions, what-if's, etc; this may not be relevant to your situation. With only W-2, 1099's, no business, and no rentals, there is absolutely no reason not to do it yourse...
by Nearly A Moose
Mon Sep 19, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 2364

Re: Calling DC area Bogleheads for help with relocation

mouses wrote:DC in the area of the White House is a very high crime area, unless things have changed in the last few years.


Uh, no.
by Nearly A Moose
Sat Sep 17, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Lending money to son
Replies: 21
Views: 2321

Re: Lending money to son

As someone not too far removed from the post-grad-school-to-real-life transition (not medical though) and who has friends still in residency, I'd say (1) that was incredibly generous of you and I hope your son is deeply grateful for the big financial leg up you've given him, and (2) make your plans ...
by Nearly A Moose
Fri Sep 16, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: When to sell parent's home
Replies: 25
Views: 2661

Re: When to sell parent's home

My parents had a similar experience almost ten years ago now. Once my grandfather moved out of the house, they started a deliberate wind-down and sale process on the house. They took a reasonable amount of time - didn't rush but didn't dawdle - which let everyone in the family "get" the th...
by Nearly A Moose
Thu Sep 15, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: I invested $10,500 in a private US company [pressured to sell back shares]
Replies: 19
Views: 2630

Re: I invested $10,500 in a private US company [pressured to sell back shares]

Why are you in this incredibly risky investment? What's the offer to buy back your shares? Is this a very large amount of your portfolio? This could be a great chance to get out of this thing.
by Nearly A Moose
Thu Sep 15, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 45
Views: 3783

Re: Vanguard QCD Checks [Qualified Charitable Distributions]

Possibly a dumb question, as I'm not to the point where I'm able to do this, but would/does including a preprinted postage paid return card or letter that simply requires their signature or attestation increase the response rate? Just trying to think practically.
by Nearly A Moose
Thu Sep 15, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 25
Views: 2501

Re: Experience with High Yielding Money Market Accounts

I'm very happy with Ally. Been using them for over a year. Reasonably quick transfers that are easy to schedule. Easy to manage multiple accounts if you're into bucketing your savings. You can deposit a check using a smartphone. It's very easy and I've never had a problem. I haven't deposited cash i...
by Nearly A Moose
Wed Sep 14, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 11665

Re: How much vacation time do you get at work?

As much as I want to take. I usually take somewhere in the range of 4-6 weeks all told. I still work a decent number of those days.
by Nearly A Moose
Wed Sep 14, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 529 question
Replies: 6
Views: 566

Re: Inherited 529 question

This is an incredibly helpful explanation. In all seriousness, is there a way to get this incorporated into wiki article on 529 plans? The description of financial aid effects in the main 529 plan page is rather brief. The appropriate wiki article is Expected Family Contribution . However, I see th...
by Nearly A Moose
Wed Sep 14, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Insane CPA bill, please advise
Replies: 23
Views: 4722

Re: Insane CPA bill, please advise

When you call the office, remember that you catch more bees with honey. In other words, be nice. It could well be an error. Or as someone else said, he could had to spend more time researching than he let on. Just ask and explain yourself clearly and calmly. Seems like something should correct or wr...

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