Search found 277 matches

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: 5096

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: 2096

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: 2728

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: 5096

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: 5096

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: 2096

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: 2096

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: 1370

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: 1946

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: 1946

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: 1946

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: 1370

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: 1370

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: 1791

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: 1791

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: 2171

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: 4971

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: 529

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: 5657

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: 1104

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: 2038

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: 3215

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
by Nearly A Moose
Thu Jul 07, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - worth it?
Replies: 33
Views: 3215

Re: Bond Funds - worth it?

Less perfect comparisons can be made between bond funds, and some investors do fail to consider asymmetric credit risk, call risk, and other risks as well as how different funds interact with the rest of the portfolio. In this way, knowing a little and assuming too much can be costly. What you and ...
by Nearly A Moose
Wed Jul 06, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Review and a Few Questions
Replies: 13
Views: 1160

Re: Savings Review and a Few Questions

Unsolicited advice that you didn't ask for, so feel free to disregard: how badly do you want a luxury car? Been there, done that (and seen my parents do that), and I'd have to have a ton of discretionary income to ever want to do that again. And I basically memorized each year's new car edition of M...
by Nearly A Moose
Wed Jul 06, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - worth it?
Replies: 33
Views: 3215

Re: Bond Funds - worth it?

I'm genuinely curious: for those who compare the current yield on different duration bond funds to the G fund or to other fixed income options like CDs, is this simply market timing / performance chasing for bonds? Asking in a serious way. You never hear folks here say "REITs are getting better...
by Nearly A Moose
Wed Jul 06, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Townhouse VS Stand Alone House ?
Replies: 8
Views: 952

Re: Townhouse VS Stand Alone House ?

Townhouses or rowhouses are just fine. I live in one, and it's not my first. Even in my hundred year old house, I hardly ever hear neighbors. You can always do some looking into how active the HOA is and how tight knit the neighbors seem to be. Also, make sure you eyeball the adjoining townhouses wh...
by Nearly A Moose
Fri Jul 01, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with a large bonus
Replies: 25
Views: 3033

Re: Need help with a large bonus

Take the money Don't try to be too cute with it Hold your nose and pay the taxes Enjoyed your 200-300k that is yours outright, that will never be taxed again (for you at least) This is a lot of money, but not so much than it's worth creating a side-job of hustles to get a little extra tax sheltering...
by Nearly A Moose
Fri Jul 01, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Internal Position - Wasn't Interviewed
Replies: 33
Views: 3470

Re: Applied for Internal Position - Wasn't Interviewed

Not sure why I want to wade into this feisty of a thread, but here goes: OP - it seems like you're looking for actionable advice going forward. I would suggest this: 1. Always keep a current resume. Depending on what you do, updating it quarterly might even make sense. 2. If you want to know whether...
by Nearly A Moose
Fri Jul 01, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: "Logging into your Vanguard account is now one touch away."
Replies: 17
Views: 2960

Re: "Logging into your Vanguard account is now one touch away."

Despite updating I can't see it under settings, to turn it on ? Log in with your password and see if it asks if you'd like to turn it on. It doesn't, isn't under settings near Save Username either... I'll give it a few days, perhaps there is another update? Try manually checking for another update....
by Nearly A Moose
Fri Jul 01, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Please show me why three fund is better than this...
Replies: 44
Views: 3551

Re: Please show me why three fund is better than this...

Perhaps you've already considered this, but have you played with the start dates? Back testing is very sensitive to the initial conditions at the start of the scenario. If you haven't already, you may want to run some Monte Carlo simulations to see the possible spread of outcomes. I think Portfolio ...
by Nearly A Moose
Thu Jun 30, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: "Logging into your Vanguard account is now one touch away."
Replies: 17
Views: 2960

Re: "Logging into your Vanguard account is now one touch away."

Despite updating I can't see it under settings, to turn it on ? Log in with your password and see if it asks if you'd like to turn it on. It doesn't, isn't under settings near Save Username either... I'll give it a few days, perhaps there is another update? Try manually checking for another update....
by Nearly A Moose
Fri Jun 24, 2016 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason I can't TLH recent Intl purchase?
Replies: 3
Views: 552

Re: Any reason I can't TLH recent Intl purchase?

livesoft wrote:There is no problem tax-loss harvesting shares recently purchased. This is completely documented with screen captures in this thread:
Tax-loss harvesting documented.


Excellent, thanks, I was hoping you'd show up :D
by Nearly A Moose
Fri Jun 24, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Any reason I can't TLH recent Intl purchase?
Replies: 3
Views: 552

Any reason I can't TLH recent Intl purchase?

Hey gang - I recently took over my portfolio and did a full reallocation, including purchasing and International index fund for the first time (in a taxable account). The international fund purchase cleared a couple weeks ago. I realized some short and long term gains when reallocating things. TLH i...
by Nearly A Moose
Fri Jun 24, 2016 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Housing/mortgages the boglehead way
Replies: 20
Views: 1966

Re: Housing/mortgages the boglehead way

This isn't really an answer, but a few things to think about. First, someone is going to ask you for more details about the potential new house/mortgage, such as whether you mean it would be 25% of your income to pay the new mortgage until you sell your old house, after which you'll put those procee...
by Nearly A Moose
Thu Jun 23, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Laws regarding trustee for relative's estate
Replies: 36
Views: 1903

Re: Laws regarding trustee for relative's estate

Allow me to add what others seem to be getting at indirectly: being a trustee can be a very challenging experience, especially when you have multiple trusts for different people, a lot of money is involved, the individual is being cagey and holding information close, and there seems to be the potent...
by Nearly A Moose
Thu Jun 23, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Help me figure out whether my mother's FA knows what they're doing
Replies: 38
Views: 3125

Re: Help me figure out whether my mother's FA knows what they're doing

I don't have the depth of experience that some of the folks who have already responded have, but if you go forward with a meeting, you should make sure you understand what the FA's investment strategy is, whether he/she is following a specific methodology, etc. For example, you should figure out how...
by Nearly A Moose
Thu Jun 16, 2016 9:32 am
Forum: Investing - Help with Personal Investments
Topic: 31 y/o help with investing an inheritance
Replies: 24
Views: 2682

Re: 31 y/o help with investing an inheritance

OP, you mention college savings for potential children. At some point you'll want to look into 529 plans and how/whether Texas offers any income tax breaks for contributions. Even if TX doesn't, you may be in a position to make an accelerated one-time lump sum contribution to a 529 plan (possibly no...
by Nearly A Moose
Wed Jun 15, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to access bond holdings during an emergency?
Replies: 16
Views: 1060

Re: How to access bond holdings during an emergency?

I'm assuming you have stocks in a taxable account and bonds in a retirement account. Say you need $5000. Exchange $5000 worth of bonds into stocks within the retirement account. Sell $5000 worth of stocks from the taxable account to raise cash. Yes, I think I left out that I'd have a taxable accoun...
by Nearly A Moose
Wed Jun 15, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: How to handle MSFT buyout of LNKD
Replies: 20
Views: 2640

Re: How to handle MSFT buyout of LNKD

OP - You might ask yourself how much more you stand to gain by waiting it out until the deal actually closes versus how much you stand to "lose" if the deal falls apart ("lose" in quotes because you don't actually have anything but a digital piece of paper right now...). Then I'd...
by Nearly A Moose
Wed Jun 15, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: How to access bond holdings during an emergency?
Replies: 16
Views: 1060

How to access bond holdings during an emergency?

There's a lively and very enlightening conversation going on about the pros/cons of holding at least some modest percentage of bonds for a young investor in this thread over here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=192941. I'm starting a new thread with a related question as I ...
by Nearly A Moose
Tue Jun 07, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30 year old w/ family, early retiree?? Thanks in advance!
Replies: 36
Views: 5472

Re: Portfolio advice for 30 year old w/ family, early retiree?? Thanks in advance!

Seriously, dont take this the wrong way - but kids are EXPENSIVE. If you think diapers are a lot of money you haven't seen anything yet. Wait till they are school age. By the time my kids are 6 I will have spent almost $20k just on preschool and full day kindergarten (and trust me, once you hear th...
by Nearly A Moose
Tue Jun 07, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2694

Re: Total Bond vs Intermediate Treasuries?

Is the idea here that your TSP fraction is too small to hold all your fixed income as G fund? Or is it that you want to keep some dry powder in taxable for some other reason...to reduce the impact of punting on tax-adjusting your allocation, or because you want a safe-ish kitty in taxable for a big...
by Nearly A Moose
Tue Jun 07, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2694

Re: Total Bond vs Intermediate Treasuries?

Thanks, BigJohn and Lost Dog! I'll look into the intermediate bond fund. That mix sounds appealing to me.
by Nearly A Moose
Tue Jun 07, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2694

Re: Total Bond vs Intermediate Treasuries?

Replying to my own post since I remembered there's a search bar :oops:

Looks like there's been a lot of discussion, such as this one: viewtopic.php?t=170854

Would still appreciate any additional thoughts, but it looks like it's a matter of preference...
by Nearly A Moose
Tue Jun 07, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2694

Total Bond vs Intermediate Treasuries?

Could a few of the fixed income experts help me understand the trade offs between a total bond fund and an intermediate treasuries fund? (Think Vanguard Total Bond (VBTLX) and Vanguard Intermediate Term Treasuries (VFITX), ignore admiral versus regular). Based on some back testing (with the caveat t...
by Nearly A Moose
Fri Jun 03, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I try to pay off mortgage aggressively?
Replies: 25
Views: 3637

Re: SHould I try to pay off mortgage aggressively?

I would not pay it off. This house is a leveraged asset. Paying down the principle doesn't help that much. Take the arbitrage offered by the market. And, remember, when comparing interest rates and the potential investment return, you're probably deducting your interest payments from your gross inco...
by Nearly A Moose
Fri Jun 03, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Xirr [how to calc for multiple accounts]
Replies: 13
Views: 665

Re: Xirr [how to calc for multiple accounts]

I'd also be interested in people's thoughts on this. I currently use Mint and Personal Capital to track my finances, but they don't give me IRR as best I can tell. (Personal Capital is nice enough to tell me my one-day gain/loss - nice of them to dangle that piece of useless information in my face e...
by Nearly A Moose
Fri Jun 03, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 6842

Re: Which 529 plan are you using?

DC for the in-"state" tax break. DC income taxes aren't pleasant. The ER on the S&P index is around 0.46, so it's tolerable. I'll likely roll this to a better fund, either if I move out of "state" or once the holding period has elapsed. Edit: I contribute up to the max for th...
by Nearly A Moose
Fri May 27, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 792

Re: Do You Consider Taxes When Evaluating Asset Allocation?

Thanks, all. Dbr, missed the link at first, so thanks for clarifying. I'll take a look at the wiki article (which I also somehow missed) as well as that paper. Based on what folks have said, I'm leaning toward not worrying about it for now, as it seems I'll get "close enough" to my desired...
by Nearly A Moose
Fri May 27, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 792

Re: Do You Consider Taxes When Evaluating Asset Allocation?

Okay, with a closer look, that's a very interesting discussion (in the link) and one I'll follow, but what I think I'm really asking is, if I wanted a simple 80/20 stock/bond split, and some of that goes in a 401(k) and the rest in taxable, do I need to discount the 401(k) value by my anticipated fu...

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