Search found 255 matches

by Nearly A Moose
Tue Aug 23, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone bought a home with Redfin?
Replies: 35
Views: 4839

Re: Has anyone bought a home with Redfin?

This is a very interesting thread, thanks for starting it. Has anyone used Redfin to but in a HCOL area? Are they helpful in navigating situations where the homes are priced in anticipation of escalation clauses and/or in assessing how competitive offers will be?
by Nearly A Moose
Mon Aug 22, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for Term [determining term insurance needs]
Replies: 10
Views: 905

Re: Tips for Term [determining term insurance needs]

I recognize you asked about the stacking/laddering strategy, but a quick comment of your wife, coming from someone with a young child and a working spouse: without a spouse at home, there are a *lot* of things that have to get outsourced or that otherwise will significantly affect your ability to wo...
by Nearly A Moose
Sat Aug 20, 2016 6:59 am
Forum: Personal Finance (Not Investing)
Topic: How to fund down payment on second home.
Replies: 14
Views: 1828

Re: How to fund down payment on second home.

just finished talking to a mortgage broker for a pre-qualification. He said that we need to step up our monthly income considerably. A annual draw from retirement accounts counts less than a steady income stream even though we don't need that income from IRA/annuities. It is odd that even though we...
by Nearly A Moose
Fri Aug 19, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Debt Free - Now What
Replies: 37
Views: 3759

Re: Debt Free - Now What

Do military folks get a match on TSP contributions? . No, they don't because of the current non-contributory pension currently in effect. But there are aperiodic efforts to reform the military retirement system to make it more "civilian like". One aspect of that is good because it would p...
by Nearly A Moose
Fri Aug 19, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "How Should Younger Investors Think About Social Security?"
Replies: 34
Views: 4416

Re: Morningstar: "How Should Younger Investors Think About Social Security?"

How should young investors think about Social Security? Mostly as a bill in my view. As you approach your 60s you can start thinking about it as an income stream. But at 25? Nope. It's just a bill like the electric bill and your state income tax bill. For the young investor, when they approach thei...
by Nearly A Moose
Fri Aug 19, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Debt Free - Now What
Replies: 37
Views: 3759

Re: Debt Free - Now What

Do military folks get a match on TSP contributions? My wife is a civilian fed, so we enjoy the nice 5% bonus (lord knows she works hard enough to deserve much more than that, but I digress...). We also enjoy the funds - simple, low cost, and high quality. In fact, if you're looking for a "diffe...
by Nearly A Moose
Thu Aug 18, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Identity Theft...be proactive, don't panic
Replies: 10
Views: 1326

Re: Identity Theft...be proactive, don't panic

Very good advice. I had identity theft back in 2013. Won't go into the details now but I filed a police report and the prosecutor took on this case. It was stolen credit card access checks. I wound up testifying before a jury panel. The crook had to do restitution. Dumb question, slightly OT: is th...
by Nearly A Moose
Thu Aug 18, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Identity Theft...be proactive, don't panic
Replies: 10
Views: 1326

Re: Identity Theft...be proactive, don't panic

Very good advice. I had identity theft back in 2013. Won't go into the details now but I filed a police report and the prosecutor took on this case. It was stolen credit card access checks. I wound up testifying before a jury panel. The crook had to do restitution. Dumb question, slightly OT: is th...
by Nearly A Moose
Wed Aug 17, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help - How to deposit a check without endorsement?
Replies: 37
Views: 3973

Re: Help - How to deposit a check without endorsement?

I would probably have a trusted person forge my name, lol. +1. I suspect this is how most people would handle it. Don't make it too complicated. Plus 2. Give them access to your banking app or have them photograph and email you the checks (after all, it's not your account number on the check), and ...
by Nearly A Moose
Tue Aug 16, 2016 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Change needed and baby on the way
Replies: 9
Views: 1303

Re: Change needed and baby on the way

honestly any significant expense would negate that extra income. Unless there's some long-term upside to this rental property (eg you want to move to that specific house in the future, you think rental rates in that market are likely to increase significantly in coming years, etc.), seems like a go...
by Nearly A Moose
Tue Aug 16, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Cordless battery powered yard tools?
Replies: 21
Views: 1942

Re: Cordless battery powered yard tools?

I use the Kobalt 40v tools for my small urban yard. Work great. If you're in the burbs, you might want more power. With Kobalt at least (and maybe the others), each tool comes with a battery and charger, so it's easy to keep 2 or 3 charged to work through the whole yard. I do not for a second miss w...
by Nearly A Moose
Tue Aug 16, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 78
Views: 9267

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

I have the Schwab Investor Checking account and usually use a debit card and pay bills online. Once a month or so I use my debit card to get money from the ATM and Schwab reimburses all fees tied to the ATM. Not only am I happy with Schwab services they have some of the best customer service compar...
by Nearly A Moose
Mon Aug 15, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re:debt vs savings
Replies: 15
Views: 1322

Re: Need advice re:debt vs savings

Something to support the idea of pursuing both goals at once - and there's a term for this that I've all of a sudden forgotten and can't find in the wiki- although for most periods in the market, if you were to invest at year 1 and start drawing down at Year 20 or 30, you would have a substantially ...
by Nearly A Moose
Mon Aug 15, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Change needed and baby on the way
Replies: 9
Views: 1303

Re: Change needed and baby on the way

I won't try to wade into advice on your individual funds; others are much better equipped to do that and you seem to be getting good direction. If Arkansas gives you a state tax break on 529 contributions, consider opening one and funding it in 2016. I think you can list yourselves, a niece or nephe...
by Nearly A Moose
Mon Aug 15, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: How well do robot vacuums work?
Replies: 26
Views: 2820

Re: How well do robot vacuums work?

Love my roomba. Hmm, somehow copy and paste didn't work well. The rest of the response: if you run it regularly, it works well for maintenance vacuuming. If your in laws are coming for the holidays and you haven't vacuumed in weeks, it won't get the job done. If you have it programmed to run each m...
by Nearly A Moose
Sun Aug 14, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: How well do robot vacuums work?
Replies: 26
Views: 2820

Re: How well do robot vacuums work?

Love my roomba.
by Nearly A Moose
Sat Aug 13, 2016 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Finding middle ground with spouse on investing
Replies: 30
Views: 3408

Re: Finding middle ground with spouse on investing

Putting everything in a savings account because of a lack of trust in the system (which I don't really understand) and a 90/10 AA are pretty far off. I'd be terrified, though, if I had a large amount of cash sitting indefinitely in savings at your/my stage of life. Each additional year of compoundin...
by Nearly A Moose
Sat Aug 13, 2016 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Longtime Lurker Finally Ready to Bare It All ;)
Replies: 32
Views: 2973

Re: Longtime Lurker Finally Ready to Bare It All ;)

Probably off topic, but have you thought about establishing a relationship with a good, fiduciary, fee-only advisor? That way you "have a guy" (I used to "have a guy"; why does everyone like to "have a guy"???), but you're not paying 2% per year of your asets to do so. ...
by Nearly A Moose
Fri Aug 12, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Early 20s seeking Aggressive Portfolio
Replies: 21
Views: 1905

Re: Early 20s seeking Aggressive Portfolio

As a few others have mentioned, unless you have some income stream we don't know about, do what you can to open and fund a Roth IRA while in law school. If you get a summer internship, summer associate position, or even a TA job, that should let you get W-2 income. Depending on your path, your futur...
by Nearly A Moose
Wed Aug 10, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy into practice (partnership)?
Replies: 8
Views: 1095

Re: Should I buy into practice (partnership)?

I'm definitely not a doctor, and there are many here who will probably have useful insights, but am I missing something in thinking that a 70-80k net of taxes return on a 600k investment isn't too shabby? That's roughly an 11-12% real return in year 1 alone. You invest that, then you get another 70-...
by Nearly A Moose
Tue Aug 09, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Will realtor advise on needed improvements for home sale?
Replies: 38
Views: 2252

Re: Will realtor advise on needed improvements for home sale?

I'm not informed enough to tell you who would be the appropriate advisor in this situation, but to your mother's point about putting furniture in the home, there are professional home staging companies that will bring in furniture and artwork for showing. Depending on the market, it can definitely h...
by Nearly A Moose
Tue Aug 09, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Citigold minimum increasing to $200,000
Replies: 39
Views: 10699

Re: Citigold minimum increasing to $200,000

Can't say I see the value of the "benefits" that citi offers. You know how an expensive hotel will charge you for Internet but waives that charge for their premium loyalty program participants, whereas a courtyard Marriott includes it for free to start? Seems like the same thing here, and ...
by Nearly A Moose
Mon Aug 08, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Upgrading Home - Can we afford it?
Replies: 11
Views: 1776

Re: Upgrading Home - Can we afford it?

Yes, you can afford it. Remember, if you're itemizing on your taxes, you get to deduct mortgage interest payments on your primary residence. So, you're getting some (in your case, likely high) percentage of your interest payments back at the end of the year.
by Nearly A Moose
Mon Aug 01, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Free ATM withdrawals - worth keeping brokerage account
Replies: 6
Views: 595

Re: Free ATM withdrawals - worth keeping brokerage account

+1 on the Charles Schwab Checking account.. it's my main checking acct.. does everything I need and 100% ATM refunds anywhere in the world with no foreign transaction fees. You do not need to keep a min balance in the acct or balance in their brokerage either. Always a human when you call. There ar...
by Nearly A Moose
Mon Aug 01, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Am I spending too much on vacation/leisure?
Replies: 16
Views: 2028

Re: Am I spending too much on vacation/leisure?

No, it's not too much if you're also saving. I have found that it was easier to convince myself to stay any random hotel when I was your age, so I'd ask yourself whether you're getting good value for the dollar from your hotel (and maybe you are). Also, without knowing anything about your tastes, ca...
by Nearly A Moose
Sun Jul 31, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 8160

Re: I have $3,000 to gamble

Is there some actively managed strategy that intrigues you? If so, see if you can find a fund that executes that strategy that you can get into for $1500. Then put 1500 into that fund, and 1500 into a target date vanguard fund. Then watch how they perform in the next crash and recovery.
by Nearly A Moose
Sun Jul 31, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: On-line nanny tax services - reviews/experiences?
Replies: 12
Views: 2853

Re: On-line nanny tax services - reviews/experiences?

Resurrecting an old thread... We pay our nanny on the books and have been using Intuit Online Payroll, which took a while to figure out but has generally worked well and isn't nearly as expensive as some of the other options out there. Alas today they sent me an email saying they are discontinuing ...
by Nearly A Moose
Sat Jul 30, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 8160

Re: I have $3,000 to gamble

You seem to have resolved to do this with your IRA, but why not invest that $3k according to your investing plan, then find $3k in taxable to gamble with? That way, you can take a capital loss on your taxes if the gamble doesn't pay off.
by Nearly A Moose
Fri Jul 29, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: BigLaw compensation portrayed accurately by media?
Replies: 43
Views: 5038

Re: BigLaw compensation portrayed accurately by media?

Thanks again to everyone for the interesting input. [redact] Based on what I've heard from people with knowledge of the field, the billable-hours requirement is, for some, less hard to achieve than others. I've heard of firms setting half-hour increments as their lowest billing amount, meaning a fi...
by Nearly A Moose
Fri Jul 29, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 29
Views: 2038

Re: Comcast - lease modem/router or buy?

I have bought my own twice and installed them myself without needing an installation kit. The installation kit isn't anything special. Other than the cable modem itself, it includes a 20 foot long coax cable and an Ethernet cable. I received a free kit when I moved into an apartment serviced by Com...
by Nearly A Moose
Fri Jul 29, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Security system ADT Cost
Replies: 26
Views: 2661

Re: Security system ADT Cost

I'd put in a vote for seeing if Frontpoint services your area. Very happy with them for three years now. ADT feels too much the cable TV customer experience.

See if TheSweetHome or TheWireCutter has done a write up security systems. I bet that have, and their reviews are pretty thorough.
by Nearly A Moose
Fri Jul 29, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: BigLaw compensation portrayed accurately by media?
Replies: 43
Views: 5038

Re: BigLaw compensation portrayed accurately by media?

I'm expecting the gap to widen: continued consolidation among top global law firms to continue to align with the strategic needs of their bread and butter global Fortune 500-type clients. They will charge extremely high rates and do extremely complex work. Their associates and partners will be paid ...
by Nearly A Moose
Thu Jul 28, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: BigLaw compensation portrayed accurately by media?
Replies: 43
Views: 5038

Re: BigLaw compensation portrayed accurately by media?

Just want to add that a lot of what has been posted here is right, but it doesn't have to suck as bad as some would put it. A big factor, as with all jobs, is the people you work for, both in your firm and your clients. I work quite hard, feel I am fairly compensated, but overall genuinely enjoy the...
by Nearly A Moose
Thu Jul 28, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 29
Views: 2038

Re: Comcast - lease modem/router or buy?

What they said.....buy and make sure it's not on your monthly bill. when returning the old Comcast equipment at the UPS store they should give you a detailed receipt that lists the item(s) and serial numbers This. Forgot to mention this. Do not forget to do this. It is important. They will "fo...
by Nearly A Moose
Wed Jul 27, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 29
Views: 2038

Re: Comcast - lease modem/router or buy?

Do it, it's a no brainier. Knock on wood I've been using my own problem free for a year. The Motorola surfboard works fine. Regardless of where you buy it, just search the reviews on Amazon to make sure people are confirming it works for Comcast. If you are okay with refurb, woot.com has refurb ones...
by Nearly A Moose
Tue Jul 26, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Storing a road bike in a plastic shed?
Replies: 17
Views: 1345

Re: Storing a road bike in a plastic shed?

You make it sleep in the living room? Move it to the bedroom. What kind of a cyclist are you? And outside? Come on! Ha! It used to live in the home office, but maneuvering a bike down the stairs while your baby is napping in the next room became a bit of a deterrent to riding. Now she's learned how...
by Nearly A Moose
Tue Jul 26, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1872

Re: Affordable Bachelor party transportation?

Another benefit to the bus, if you need to sell people on it: you have a mobile base of operations. Throw in a cooler of water (and other stuff if the driver / local laws let you), and everyone can rehydrate between stops. I didn't catch when and where you're going, but if it's cooler, people can di...
by Nearly A Moose
Mon Jul 25, 2016 9:40 pm
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1872

Re: Affordable Bachelor party transportation?

Don't forget about surge pricing if you're looking at uber. Something to be said for being able to keep the crew together going from place to place. Depending on the guys involved, trying to uber everyone around could be chaos, or it could lead to some good stories. Also, don't forget it will be ha...
by Nearly A Moose
Mon Jul 25, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1872

Re: Affordable Bachelor party transportation?

Don't forget about surge pricing if you're looking at uber. Something to be said for being able to keep the crew together going from place to place. Depending on the guys involved, trying to uber everyone around could be chaos, or it could lead to some good stories. Also, don't forget it will be har...
by Nearly A Moose
Mon Jul 25, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Storing a road bike in a plastic shed?
Replies: 17
Views: 1345

Re: Storing a road bike in a plastic shed?

Humidity and fast temp changes will condense water on the metal parts. While better than leaving the bike out in the rain, it isn't much better. This. I have a carbon fiber bike, but in the midwest, in a unheated/uncooled garage, the steel bolts will still rust (though not quickly). If you have a s...
by Nearly A Moose
Mon Jul 25, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Storing a road bike in a plastic shed?
Replies: 17
Views: 1345

Storing a road bike in a plastic shed?

Has anyone tried keeping a road bike in an outdoor plastic Rubbermaid storage shed? I live in a row home with limited storage, and wall mounting it in the entry hall isn't a great option for various reasons. I often bike to work, so it gets regular use. I already have one Rubbermaid shed in the back...
by Nearly A Moose
Mon Jul 25, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Bordeaux wines
Replies: 20
Views: 1779

Re: Bordeaux wines

Also, as someone else said, best bet is to go to a good wine shop (ideally something local where the owner actually works the floor), tell them what you like and what you want to spend, and let them guide you.
by Nearly A Moose
Mon Jul 25, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Bordeaux wines
Replies: 20
Views: 1779

Re: Bordeaux wines

I'm not a connoisseur, but I probably enjoy wine more than most. Bordeaux is far and away my favorite region for a *nice* wine (provided it's appropriate for the meal). $9 per bottle trips my BS detector. As others have noted, wines vary tremendously by the vineyard, year, and even location within a...
by Nearly A Moose
Fri Jul 22, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 2145

Re: Most economical overseas travels

Three words: Off Season Travel.
by Nearly A Moose
Fri Jul 22, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 59
Views: 4920

Re: Should I spend 5k annually on travel?

Yes. I spend more, and my regret is not doing even more, especially before young children. (Not more at the expense of long term savings, but I could have swapped out a few suits and pairs of shoes for a last minute flight to Europe a bit more.)
by Nearly A Moose
Fri Jul 22, 2016 8:29 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation/Trust Income
Replies: 6
Views: 519

Re: Asset Allocation/Trust Income

Perhaps consider it when determining your need to take risk, which in turn helps to drive your AA?
by Nearly A Moose
Wed Jul 20, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Citibank checking account
Replies: 32
Views: 5292

Re: Citibank checking account

I have a citi checking account that I opened for purposes of getting a relationship discount on my mortgage. It's fine, but not as easy to use as some of the more user friendly online banks like Ally. I use it only to pay my mortgage and will not be transitioning from my Schwab Bank and Ally combina...
by Nearly A Moose
Mon Jul 18, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Large Cap Gain in Cash and AA has to be redone.
Replies: 12
Views: 1099

Re: Large Cap Gain in Cash and AA has to be redone.

Others probably have more sophisticated insights, but if you're getting at best 1% in a savings account, and you're in roughly a 50% marginal bracket (state+federal), then your after tax returns on the savings account are 0.5%. So, as long as your after tax bond returns beat that, you should still i...
by Nearly A Moose
Wed Jul 13, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Charleston, SC vacation.... any advice?
Replies: 23
Views: 2010

Re: Charleston, SC vacation.... any advice?

Been a few times. Lovely city. I usually stay with friends who live there, but if I were traveling in my own, I would definitely stay downtown so I could walk everywhere. I'd suggest looking into a B and B or even airbandb.com if you don't feel you need the full hotel experience. I think Charlestown...
by Nearly A Moose
Fri Jul 08, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - worth it?
Replies: 33
Views: 3183

Re: Bond Funds - worth it?

Thanks Grabiner and saltycaper. Good explanations that I imagine I'll have to read a few times to fully internalize. Trying to really understand bonds give me a headache. :annoyed

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