Search found 377 matches

by Nearly A Moose
Thu Feb 23, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Macbook Pro 2016: Monitor Options
Replies: 8
Views: 1188

Re: Macbook Pro 2016: Monitor Options

If it is physically possible to make an adapter, monoprice.com will sell a house version of it, and it will work great. I have an older MacBook Pro retina and love my monoprice brand 4K monitor (30 or 34 inch, I forget). Only cost $400 a year ago. Perfectly plug and play with my Mac, and folks who h...
by Nearly A Moose
Thu Feb 23, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with our extra money?
Replies: 6
Views: 1292

Re: What to do with our extra money?

The utma is for our oldest since he had medical issues and we weren't/aren't sure if he will go to college. The other two just have money in a regular account. I guess I need to compare between a 529 and an esa for the younger 2. Ah, I hadn't gathered that from the post. I'll just say I don't know ...
by Nearly A Moose
Thu Feb 23, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 43
Views: 8709

Re: TSP Participant Account Balances

In DC at least, there's a lot of rotation between public and private sector. Could be that people work for five years in gov, go to private sector, and keep the TSP. That could affect balances. Or come to government service as a second career. Wife has over $1M in retirement assets, but not all wit...
by Nearly A Moose
Thu Feb 23, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with our extra money?
Replies: 6
Views: 1292

Re: What to do with our extra money?

Thanks for the help. We do have about 10k in EF and plan on getting that to 20-30k. Our expenses are less than her income, that just gives us fun money since we don't like to budget very well! I like the idea of putting some towards the mortgage and also some towards a taxable account, so I don't w...
by Nearly A Moose
Thu Feb 23, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes - What Should My Next Monetary Goals/Objectives Be?
Replies: 17
Views: 1905

Re: Life Changes - What Should My Next Monetary Goals/Objectives Be?

Your mortgage interest rate is really low. I wouldn't be in a hurry to pay it off, but I'm by nature okay with "smart" debt. To your point, though, if you want to have that money available for a down payment for your next house, just invest it conservatively in a taxable account. Say 50/50...
by Nearly A Moose
Thu Feb 23, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 43
Views: 8709

Re: TSP Participant Account Balances

In DC at least, there's a lot of rotation between public and private sector. Could be that people work for five years in gov, go to private sector, and keep the TSP. That could affect balances.
by Nearly A Moose
Thu Feb 23, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Money for down payment in one year
Replies: 6
Views: 989

Re: Money for down payment in one year

Building on Pasadena's comment about the new car: if you're financing it, don't do it right before getting approved for the mortgage, just in case it affects your credit score. If you're going to be hit with a higher rate, you'd probably rather have it for your car loan, not your mortgage.
by Nearly A Moose
Thu Feb 23, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Money for down payment in one year
Replies: 6
Views: 989

Re: Money for down payment in one year

I'm on the two-year version of your plan (currently own but will likely have to move) and am keeping my funds in Vanguard Linited Term Tax Exempt bond fund (due to a high marginal tax rate). I'm accepting some small risk to principal but am comfortable with that as a few grand lost won't break me, a...
by Nearly A Moose
Wed Feb 22, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Malta
Replies: 14
Views: 1901

Re: Malta

We had an amazing time there in 2015! (We did Malta and Istanbul, which if you know the history of Malta, made for a very interesting shift in perspective). You need to decide whether you want a relaxed country experience or a coastal resort. We wanted the former, so we stayed in Mdina and rented a ...
by Nearly A Moose
Wed Feb 22, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Sofi
Replies: 12
Views: 1057

Re: Sofi

I've never found their generally advertised rates to be especially competitive. But I'm lucky to have access to cheap credit.
by Nearly A Moose
Wed Feb 22, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: home improvementl strategy
Replies: 19
Views: 2257

Re: home improvementl strategy

4% does seem a touch high, but it's not awful, especially if you won't have the loan outstanding for long. It sounds like you're saving like crazy if you paid down the student loans that quickly. Good job. Looks like you're getting split views: the "only pay cash for things" crowd and the ...
by Nearly A Moose
Tue Feb 21, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 26
Views: 4342

Re: Best way to get rid of lot of land?

You may have some personal liability associated with the land. Someone's kid goes to play on it, steps in a hole and breaks his leg, and you're hit with a lawsuit. This is a state by state issue, and it's been a long time since I took torts or property. I'd second the suggestions to look for charita...
by Nearly A Moose
Mon Feb 20, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2247

Re: Advice for my Age - 28

Max TSP. Just mail the stupid form in. It's annoying you can't do it online, but it took me longer to find a stamp than to fill out the form last time we changed it. Just make sure to set it up so that you max it out on your very last paycheck to make sure you get all agency matching funds (i.e. spe...
by Nearly A Moose
Sun Feb 19, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7590

Re: What Do You Keep In Your Bank Safe Deposit Box?

(1) backup hard drives - I use crashplan to create a complete backup in the cloud in real time. As I understand it, the encryption is very good, and no one is going to randomly guess my 64 character randomly generated password. I just don't see the value in bothering with a physical offsite backup ...
by Nearly A Moose
Sat Feb 18, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7754

Re: Need advice on girlfriend debt/finances

Don't pay down her debts. If you already were putting money toward them, then paying down the stupid high interest ones would be in your best self interest, but if you're not already, don't start. This is also raising all sorts of alarms for me. It's really important to be reasonably close to the sa...
by Nearly A Moose
Sat Feb 18, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7590

Re: What Do You Keep In Your Bank Safe Deposit Box?

I've been really lazy about setting up a safe deposit box, so this is a good reminder and useful list of suggestions. Two things I wouldn't bother putting in it: (1) backup hard drives - I use crashplan to create a complete backup in the cloud in real time. As I understand it, the encryption is very...
by Nearly A Moose
Mon Feb 13, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: $80,000 sitting around
Replies: 8
Views: 1569

Re: $80,000 sitting around

Put it in the online account. I use Ally and am quite happy. What's the real value in having your money five minutes away? Not like you're going to swing by the bank and walk out with $80k in a suitcase. I'd do at least the online savings account. Maybe even consider a short term bond fund if you'll...
by Nearly A Moose
Mon Feb 13, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2358

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I'm not zero cash, but I don't keep a particularly large emergency fund in cash. Most of my cash is queuing up to be spent in various ways (e.g. Monthly set asides to cover annual insurance bills, fica tax on my nannys pay). I have a small "emergency/infrequent large purchases fund". The b...
by Nearly A Moose
Thu Feb 09, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2829

Re: Napa/Sonoma Recommendations

Oh, and some winery tips if you need 'em: If you don't know much about wine yet, poke around on the 'net and take some time to learn the basics (common grape varietals, identifying major flavors/aromas, etc.) Wine Spectator has some great online resources, although you have to be a subscriber. Some...
by Nearly A Moose
Thu Feb 09, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house addition/HELOC?
Replies: 29
Views: 1716

Re: Can I afford a house addition/HELOC?

I would not reduce retirement contributions at all. It's important to to stuff funds into those tax advantaged accounts, especially for high income earners, and that space is "use it or lose it". If the house needs to be revamped to work for your family then so be it. You have 130k in cas...
by Nearly A Moose
Tue Jan 31, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Fill Out Nanny W-2 When Paying Her Portion of FICA
Replies: 16
Views: 980

Re: How to Fill Out Nanny W-2 When Paying Her Portion of FICA

In your experience, for a household worker, how often are wages grossed up? Compliance in this area generally is so poor that there is no number that would surprise me. Payroll services and experienced CPAs are probably the only things keeping this number mildly north of 0%. Mule Now that I know th...
by Nearly A Moose
Thu Jan 26, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Most creative and/or high value change
Replies: 31
Views: 2493

Re: Most creative and/or high value change

if you're really into your shaving routine, try a double edge safety razor. $40 for a good stainless steel razor handle that will outlive you, a comparable amount for a good badger hair brush with a very long life, some modestly priced shaving soap plus an old coffee cup, and then about $15-$20 for ...
by Nearly A Moose
Thu Jan 19, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: PSA about Ford Stockholder's Benefit
Replies: 5
Views: 1150

Re: PSA about Ford Stockholder's Benefit

Thanks for the heads up.
by Nearly A Moose
Tue Jan 17, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5510

Re: Home renovation funding

OP - If you're kind enough to share your numbers, would you also mind sharing the total time for the project? I may not be able to share the numbers--it takes too much time to track down. But the project was about 9 months to substantial completion. Thanks, and glad to hear you're happy with the re...
by Nearly A Moose
Tue Jan 17, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5510

Re: Home renovation funding

OP - If you're kind enough to share your numbers, would you also mind sharing the total time for the project?
by Nearly A Moose
Wed Jan 11, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 3288

Re: Shutterbugs - How do you organize your digital photos?

At this point I’d classify myself as a beginner/hobbyist using a Canon Rebel T5i DSLR camera, moving up from advanced point-and-shoot such as the Panasonic DMC-ZS40 which has served us well and I'd absolutely recommend. For the most part I’m using the camera when travelling, so landscape, wildlife ...
by Nearly A Moose
Wed Jan 11, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 3288

Re: Shutterbugs - How do you organize your digital photos?

Adobe? Can you even buy software from Adobe any more? I thought they had pulled the rug out from under customers by switching completely to a subscription model--or is Lightroom an exception? Adobe definitely has pulled the rug out before. I paid what at the time was a lot of money for me for Adobe...
by Nearly A Moose
Tue Jan 10, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 3288

Re: Shutterbugs - How do you organize your digital photos?

Uggh, the bane of my existence! I've got about 3TB worth of digital photos. I used a date/time based approach for years, and it was OK. A few years ago I switched from Adobe Photoshop to Adobe Lightroom. It was the best thing I ever did! Lightroom is actually a database manager first, photo process...
by Nearly A Moose
Tue Jan 10, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 3288

Shutterbugs - How do you organize your digital photos?

I assume some percentage of the BH community are photography enthusiasts. I could use your help. How do you organize / store your digital photographs, and what is your standard workflow? I'm a very mediocre hobby photographer, but I have enough that photos that I need to streamline things. I used to...
by Nearly A Moose
Thu Dec 22, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 3067

Re: Looking to Drop Wells Fargo for Online Banking

I use Ally (savings) and Schwab (checking) online and have been quite pleased. I opened the Schwab account years ago in conjunction with a brokerage account that I no longer use. I would have just put everything in Ally if that checking account wasn't enmeshed in all my bill pays, auto transfers, et...
by Nearly A Moose
Mon Dec 19, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 7112

Re: Ne er-do-wells coming out of woodwork

Here's another way to think of it. So far, she's just come out of these meetings with ne'er do wells wanting to give away a little money. She could come out of the next one having executed an entirely new power of attorney, will, or trust, having signed a quit claim deed, etc. If she has a large eno...
by Nearly A Moose
Sun Dec 18, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 7112

Re: Ne er-do-wells coming out of woodwork

How do adult children handle their elderly parents (Mom) when distant relatives or acquaintances start dropping by their place for a visit and Mom then decides to leave the visitor a large amount of her estate to them? This has happened twice with my mom that I am aware of, and so far she has not a...
by Nearly A Moose
Wed Dec 14, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken still using old Intuit User Name?
Replies: 2
Views: 432

Re: Quicken still using old Intuit User Name?

jdouge wrote:Yes, you use the same user name and password. Slightly different login page.

YMMV, but it worked for me.


Thanks, yes, worked for me too, just trying to figure out if the accounts are still somehow linked. I guess I should just try changing my TT password to see if it changes for Quicken too.
by Nearly A Moose
Tue Dec 13, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken still using old Intuit User Name?
Replies: 2
Views: 432

Quicken still using old Intuit User Name?

I searched but couldn't find a discussion on this - if I missed it, please feel free to just point me to the topic. Quicken has made the full transition to its new ownership, right? I just purchased the 2017 version for download, and it asked me to log in using my Intuit credentials, and it worked. ...
by Nearly A Moose
Sat Dec 10, 2016 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 with Crossover
Replies: 1
Views: 431

Quicken 2017 with Crossover

Is anyone running Quicken 2017 on a Mac using Crossover? The Crossover website says "limited support" for 2017 but full support for 2016. I have a hard time seeing why 2017 wouldn't work well, but I thought I'd check before dropping the cash on it. I'd ask on the Crossover forums but I'm a...
by Nearly A Moose
Fri Dec 09, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab retirement quote on 4 mil. Advice??? Can I do better?
Replies: 29
Views: 4837

Re: Schwab retirement quote on 4 mil. Advice??? Can I do better?

I believe plenty of people on this forum use Schwab, and the wiki has recommendations for basic portfolios using Schwab funds. I have Schwab bank and brokerage accounts and am very happy with the customer service. I currently have my taxable investments with vanguard because I like their funds best ...
by Nearly A Moose
Fri Dec 09, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3565

Re: Frying pan recommendations

Chadnudj wrote:All-Clad.

Spring for some Barkeeper's Friend to help with cleaning them.....really phenomenal stuff.


+1. This is what I do. If you are good about cleaning or at least soaking the pan soon after use, it's not much more work than nonstick.
by Nearly A Moose
Thu Dec 08, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3565

Re: Frying pan recommendations

I love my All Clad skillet. Great investment. Also love my cast irons. I don't have problems cleaning either. I do have to periodically give the All Clad a deep clean to get it all shiny again. This is an area I like to "invest" in. I have one more larger skillet pan in mind, and then I mi...
by Nearly A Moose
Wed Dec 07, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 862

Re: Muni Fund for Downpayment and Help Understanding Bond Risks

I did consider it, but short term yield is so close to an on-line savings account that it just wasn't worth it for me. Although if you live in DC (as I do), earnings from ANY state's muni bonds are not taxable on your DC return. That can be a nice plus. Interesting. I do live in DC (love the city d...
by Nearly A Moose
Wed Dec 07, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2835

Re: Managing kids money

PS - Not questioning your description of the dynamic, but I have seen UTMAs managed inappropriately by parent custodians. It's hard to watch. Aren't there also tax consequences if the parents administers the account?
by Nearly A Moose
Wed Dec 07, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2835

Re: Managing kids money

I would have the same discomfort as you do regarding someone else managing the account, but I also agree with the thought that, financially speaking, even a poorly managed gift is better than no gift. I would be most concerned with (1) SIL not providing you clear, complete, and timely information; a...
by Nearly A Moose
Wed Dec 07, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 10521

Re: Is Quicken Worth it?

At the risk of getting technical and/or hijacking the thread, does anyone run Quicken for PC on a Mac via Crossovers? If so, have you had a good experience? I'm currently trying to use Banktivity but am not in love with the program - seems to have more manual work than I'd like.
by Nearly A Moose
Wed Dec 07, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3450

Re: Federal Blue Cross Standard versus Basic

We shall see I guess. We just chose Basic this year after many years on Standard. If one of us lands in the ED, we'll hope for recovery and deal with the costs if they occur. The premium savings alone is around $1900, which should go a long way toward any extra costs from Basic. This thread is what...
by Nearly A Moose
Wed Dec 07, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 862

Re: Muni Fund for Downpayment and Help Understanding Bond Risks

@saltycaper: thanks for clearing a few things up for me. I feel like bonds shouldn't be hard, but I still struggle to really understand the mechanics as well as I'd like. You think I should just abandon this effort and buy a CD? @DCInvestor: thanks. Did you consider shorter term funds? Or was it jus...
by Nearly A Moose
Tue Dec 06, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 862

Muni Fund for Downpayment and Help Understanding Bond Risks

Dear Bogleheads: Sorry for the long post; trying to organize all my thoughts at once. I’m looking for some input on which tax-exempt municipal bond fund I should use to hold the down payment on our next house. My question is both about which fund is most appropriate and how to understand potential b...
by Nearly A Moose
Tue Dec 06, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3450

Re: Federal Blue Cross Standard versus Basic

All - Thanks for the good input, this is always such a helpful place. In case folks are interested, we opted for Federal Blue Cross Standard. We couldn't get comfortable with the risk of being stuck with paying full costs for out of network care, so we'll pay the higher premiums for now until we bet...
by Nearly A Moose
Mon Dec 05, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2686

Re: Lost: Could really use some advice on our next round of financial goals

Another vote for maxing both 401ks. If you overfund your retirement, you can always dial back contributions later, leave an inheritance, etc.
by Nearly A Moose
Sun Dec 04, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3450

Re: Federal Blue Cross Standard versus Basic

My concern with plans with local networks and no out of network coverage centers on what happens if one has to be hospitalized while traveling. Emergency treatment is covered, but when does treatment stop being emergency care and become (uncovered) non-emergency care? Risks might include a massive ...
by Nearly A Moose
Sun Dec 04, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3450

Re: Federal Blue Cross Standard versus Basic

Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone... Wow. How many people wearing contacts? Unless you've already exhausted other medical options and have no other choice look into getting your contacts from a lower priced source or tell your optomet...
by Nearly A Moose
Sun Dec 04, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3450

Re: Federal Blue Cross Standard versus Basic

Iorek wrote:
fundseeker wrote:Oh, and while we are here discussing these things, I assume you will be maxing out the FSA?


Maxing out a healthcare FSA is not necc. a good idea.


Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone...

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