Search found 440 matches

by Nearly A Moose
Sat Mar 18, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Consultant, LLC, pricing?
Replies: 8
Views: 724

Re: Consultant, LLC, pricing?

I'll add only that consulting should cost more per hour than a full time employee. That $250 number sounds reasonable.
by Nearly A Moose
Sat Mar 11, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 1502

Re: Nearly paid off house; Should I sell, go back to renting and invest the equity?

Don't forget, the gains from the sale are taxed if you don't buy a new primary residence within a certain period of time. If there's a very real chance you might move in 3 years--whether because of job change, new spouse, getting sick of it--I would be reluctant to pay down the mortgage any more qui...
by Nearly A Moose
Thu Mar 09, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 61
Views: 6492

Re: 27yr curious about my investment personel and strategy

When you update, you might explain whether there are any special circumstances that would make you think you are in particular need of such an elaborate financial services team (or that would make you a "Good target" for that type of sales pitch). High income? A profession associated with...
by Nearly A Moose
Thu Mar 09, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 61
Views: 6492

Re: 27yr curious about my investment personel and strategy

When you update, you might explain whether there are any special circumstances that would make you think you are in particular need of such an elaborate financial services team (or that would make you a "Good target" for that type of sales pitch). High income? A profession associated with ...
by Nearly A Moose
Wed Mar 08, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 4564

Re: Wedding cash gift

We spent about $65k on our wedding a few years ago in a major east coast city (total, everything but the engagement ring). I wouldn't say I regret it, but in hindsight I wish I had done something different and saved maybe half that money. The interesting thing about weddings is that they're the bigg...
by Nearly A Moose
Wed Mar 08, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall - How To Make The Money Work For Us
Replies: 11
Views: 2259

Re: Windfall - How To Make The Money Work For Us

With the idea of the "lost decade" of investing, we thought it may be best to pay off the 4.75% mortgage and dollar cost average the retirement money over the next 3-4 years. I agree with this idea. You probably aren't getting anywhere near full value from the mortgage interest deduction ...
by Nearly A Moose
Tue Mar 07, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall - How To Make The Money Work For Us
Replies: 11
Views: 2259

Re: Windfall - How To Make The Money Work For Us

I am not an expert on this and don't own my own business, but you may be able to get more of this inheritance into tax-sheltered retirement accounts beyond the Roth IRAs while possibly lowering taxes on your husband's (and soon to be your) business earnings. For example, figure out if you can set up...
by Nearly A Moose
Tue Mar 07, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 2135

Re: Need help picking term life policy

When projecting the amount, remember that inflation eats at the real value of the benefit the further out you live. So, to some extent, the policy is naturally designed to taper off in coverage as you age. In other words, if you buy a $500k 30-yr policy, that $500k won't be worth nearly as much in y...
by Nearly A Moose
Tue Mar 07, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 8487

Re: How much do you spend on food in a year?

$30,000. Two parents, a toddler, a baby. Includes grocery store, restaurants, alcohol, infant formula, toddler food packets, dinnner parties we host, and non-food incidentals purchased at the grocery store. Edit: also probably includes a few thousand in reimbursed meals due to work travel or client ...
by Nearly A Moose
Fri Mar 03, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Arlo Pro Security System (wireless/WiFi)
Replies: 16
Views: 1438

Re: Arlo Pro Security System (wireless/WiFi)

Yes, you can monitor them remotely. You don't have to be on the same wifi network. It's unlike Nest (I have one of those too) in that it records only in short bursts when triggered. You can go back and view those, but it's not like Nest where you could scroll through a replay of the full day uninter...
by Nearly A Moose
Thu Mar 02, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 4524

Re: Family Hounding me to Purchase SUV or Minivan

Your family has a strange sense of how to spend their free time. Just ignore it, it's nonsense. If what you're doing works, then keep it up.
by Nearly A Moose
Wed Mar 01, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Arlo Pro Security System (wireless/WiFi)
Replies: 16
Views: 1438

Re: Arlo Pro Security System (wireless/WiFi)

I'm generally happy with mine. The biggest problem is that there is a 5-10 second lag between when the subject first enters the motion detector range and when the camera starts recording. Depending on the positioning, this could mean a fair number of misses / blank videos. It's also not possible at ...
by Nearly A Moose
Tue Feb 28, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 4873

Re: Second home or not ready

I'd strongly consider just renting a house whenever you want to visit. Owning a second house is a lot of hassle and cost, and it effectively ties you to vacationing in the same area again and again (or at least it increases the opportunity cost of going elsewhere). Consider this: add up all the mone...
by Nearly A Moose
Thu Feb 23, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Macbook Pro 2016: Monitor Options
Replies: 8
Views: 1287

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: 1339

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: 9020

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: 1339

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: 1998

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: 9020

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: 1073

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: 1073

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: 2027

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: 1126

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: 2367

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: 4534

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: 2387

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: 8077

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: 8107

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: 8077

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: 1629

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: 2468

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: 3122

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: 1820

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: 1069

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: 2574

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: 1246

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: 5664

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: 5664

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: 3487

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: 3487

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: 3487

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: 3487

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: 3265

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: 7230

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: 7230

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: 447

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: 447

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: 445

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: 4963

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: 3816

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.

Go to advanced search