Search found 825 matches

by Nearly A Moose
Wed Jan 31, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2313

Re: Wireless Earbuds For Running (Updates for 2018?)

Anker has a good and reasonably priced model. Don't have the link handy.
by Nearly A Moose
Wed Jan 31, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Top 1% Net Worth Under 30 Years Old
Replies: 13
Views: 6034

Re: Top 1% Net Worth Under 30 Years Old

Don't know what you'll be using this for (and unlike some, I do not disapprove of playing with data like this dor the fun of it), but keep in mind that the numbers may not tell that much, as at age 30, many future high income professionals are either still in school with little income and growing de...
by Nearly A Moose
Wed Jan 31, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: What banks would you recommend for closing a mortgage on a purchase fast
Replies: 8
Views: 834

Re: What banks would you recommend for closing a mortgage on a purchase fast

To add: I get the desire to keep as much of the moving money as possible, but realistically that's going to be spent on housing one way or another, either housing you own or housing you rent. The costs will be close enough that it's probably insignificant in the long run, and you might be rushing in...
by Nearly A Moose
Wed Jan 31, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: What banks would you recommend for closing a mortgage on a purchase fast
Replies: 8
Views: 834

Re: What banks would you recommend for closing a mortgage on a purchase fast

Intuitively, I would think a smaller local bank would be able to move more quickly, on average. But you'll need to consider rates too. I'll echo what others said about renting while you get it straightened out.
by Nearly A Moose
Tue Jan 30, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8833

Re: How much have kids added to your personal finance/expenses?

whodidntante wrote:
Sun Jan 28, 2018 11:24 pm
It's devastating to your choice of vehicle.
Words can't adequately describe how badly I want to trade my SUV for a minivan!!
by Nearly A Moose
Tue Jan 30, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 7039

Re: How to think about your house from a financial perspective

Had a good dinner conversation last night on this and I thought I'd throw out the conclusion for your comments... 1. A house is not an investment. 2. You "win the game" if the real return on the sale of a house (purchase + cap improvements) is positive. 3. Don't decorate or improve the house "for r...
by Nearly A Moose
Tue Jan 30, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8833

Re: How much have kids added to your personal finance/expenses?

Our two young kids easily add $100,000 a year, and that's not including food, clothes, toys, vacations, and college savings. I suspect we will do private school in the nearish future, which will add about $40k per kid per year. :shock: :shock: What are you spending it on?! Do your kids have high sp...
by Nearly A Moose
Tue Jan 30, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8833

Re: How much have kids added to your personal finance/expenses?

Our two young kids easily add $100,000 a year, and that's not including food, clothes, toys, vacations, and college savings. I suspect we will do private school in the nearish future, which will add about $40k per kid per year. :shock: :shock: What are you spending it on?! Do your kids have high sp...
by Nearly A Moose
Sun Jan 28, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8833

Re: How much have kids added to your personal finance/expenses?

This varies tremendously by region, preferences, unpaid family support, and whether both spouses will work. I live in DC. Our two young kids easily add $100,000 a year, and that's not including food, clothes, toys, vacations, and college savings. I suspect we will do private school in the nearish fu...
by Nearly A Moose
Fri Jan 26, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5297

Re: Accountant Recommends doing Whole Life Insurance

Also, go read White Coat Investor's blog posts on WL. He has a number of them and they're very informative.
by Nearly A Moose
Fri Jan 26, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5297

Re: Accountant Recommends doing Whole Life Insurance

I bought a WL policy at your age, and 7 years later I'm in the process of getting more term in place so I can do a 1035 out of it. I've run a million scenarios trying to figure out how to make my policake sense. It just doesn't , and it's incredibly complex. Just buy term and invest the rest. The ta...
by Nearly A Moose
Fri Jan 26, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1850

Re: Board game for 3 year old

Mine likes chutes and ladders. Easy enough to learn, quick enough to match attention span, interesting enough that they want to replay.
by Nearly A Moose
Thu Jan 25, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 5833

Re: What will you do with your tax refund?

Gnirk wrote:
Thu Jan 25, 2018 10:44 pm
What's a refund? :o
+1
by Nearly A Moose
Thu Jan 25, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential
Replies: 31
Views: 3324

Re: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential

As others have suggested, give some very serious thought to whether it's the field or your specific job and the people you work with. It's usually much easier to change the latter. Studies pretty consistently show that the people you work with/for have far and away the most effect on job satisfactio...
by Nearly A Moose
Wed Jan 24, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Bait-and-switch pricing. Where can I file complaint?
Replies: 17
Views: 2281

Re: Bait-and-switch pricing. Where can I file complaint?

The federal trade commission and your state's attorney general office would have jurisdiction over price advertising. Your state might also have a commission or department on travel or tourism or the like that might have jurisdiction. From your description, I can't really tell whether you have a col...
by Nearly A Moose
Tue Jan 23, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2842

Re: Cutting cable

Btw, I’ve only skimmed the posts (sorry), but: -bring your own cable modem if allowed. It’s super easy and will pay for itself in half a year or so. Motorola Surfboard is a pretty good option. -when comparing bundles, make sure you pay attention to the taxes. In my area, there is a very hefty tax (o...
by Nearly A Moose
Tue Jan 23, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2842

Re: Cutting cable

Anyone cut out their cable? If so, what is the best / most relieable way to get the channels you want at a cheaper price? Getting sick of paying 120.00 per month for 700 channels and i only watch 10. Any ideas would help...thnk you. Combination of an antenna and Roku works. E.g., see 10 things you ...
by Nearly A Moose
Sun Jan 21, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8437

Re: Short Commute or Nicer House?

Faced with a similar decision, I chose (and continue to choose) to live in the smaller set house close to work. I work a very full day and still get to see my kids every night for dinner before I put them to bed, plus the short bike ride is a very refreshing way to bookend my work day. It's worth ev...
by Nearly A Moose
Mon Jan 15, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4240

Re: Umbrella Policy - 1M or 2M

Upgrade. It's very cheap protection. I have $2M and much lower assets/NW than you (and don't want a court garnishing my wages or attaching my property on the way there!)
by Nearly A Moose
Fri Jan 12, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Rick Steves - France (or some other tour company)
Replies: 15
Views: 1485

Re: Rick Steves - France (or some other tour company)

Not what you're asking, so feel free to disregard, but consider just doing a diy tour based on a couple Rick Steves guide books. Get the whole France one, get one for Paris, and if there's a particular region you're super into, see if he has one for that too. I find his stuff well curated pretty on...
by Nearly A Moose
Fri Jan 12, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Rick Steves - France (or some other tour company)
Replies: 15
Views: 1485

Re: Rick Steves - France (or some other tour company)

Not what you're asking, so feel free to disregard, but consider just doing a diy tour based on a couple Rick Steves guide books. Get the whole France one, get one for Paris, and if there's a particular region you're super into, see if he has one for that too. I find his stuff well curated pretty on ...
by Nearly A Moose
Fri Jan 12, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8660

Re: How much/little money to give kids in will so they continue to work

Honestly, I think it's a little weird when adults are told they are getting x for an inheritance. It changes their decision making, sometimes not for the better. An inheritance, in my opinion, should be a windfall, not something you rely on or count the days to receiving. Giving an inheritance (or ...
by Nearly A Moose
Fri Jan 12, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8660

Re: How much/little money to give kids in will so they continue to work

Give them a dollar from the trust for every dollar they earn. I suppose that's one way to tell one's daughters they are never allowed to be a stay-at-home mom for their children or even just switch to part-time work.... Hey, don't forget house husbands! OP, I wonder if you're not overcomplicating t...
by Nearly A Moose
Thu Jan 11, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8660

Re: How much/little money to give kids in will so they continue to work

Give them a dollar from the trust for every dollar they earn. I suppose that's one way to tell one's daughters they are never allowed to be a stay-at-home mom for their children or even just switch to part-time work.... Hey, don't forget house husbands! OP, I wonder if you're not overcomplicating t...
by Nearly A Moose
Thu Jan 11, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12152

Re: IRS announces new withholding tables for 2018

I've historically entered whatever number of allowances (is that the term? I forget) that the form directs me to, then I've added $1,000 per month withholding, and that's usually gotten me to where I only owe a few grand. If I understand this correctly, my employer is going to keep my current W-4 ex...
by Nearly A Moose
Thu Jan 11, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8660

Re: How much/little money to give kids in will so they continue to work

This is obviously incredibly personal and specific to each kid, family, family dynamic, etc. You obviously have to know your kids, and it sounds like OP's might be old enough to start giving them a little bit of "real" money to learn to manage if that's not being done already. But obviously learning...
by Nearly A Moose
Tue Jan 09, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 2058

Re: home inspection on house I already live in?

Since OP is the tenant and has access to the house, what does the forum think about OP having the inspector come before making an offer (ie without owner even being involved/aware)? Could that put OP in a position to make a stronger-looking offer, such as by waiving inspection contingency if OP alre...
by Nearly A Moose
Mon Jan 08, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7459

Re: Lowball offer on a home

I agree for the lowball in your position. They may very well be offended and end up taking a much higher offer. That's not your problem or concern. Offer what it is worth to you, and you seem to have a reasonable handle that this much work will not be cheap, easy, or quick. If someone else wants to...
by Nearly A Moose
Mon Jan 08, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 4121

Re: Disappointed in Missing a Long Term Financial Goal

You may or may not make it. But keep trying. The market will probably have more say than you given that this is a relatively short time-horizon goal at this point. And remember that the "bank account size" goal is a proxy for something else. I'm going to guess that your younger self picked $1M becau...
by Nearly A Moose
Sun Jan 07, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2376

Re: Car recommendations needed for growing family

Also, minivans have this magical way if being able to hold anything and everything you try to put in the back, even when all the passenger seats are filled. Seriously, a minivan trunk is like a black hole. SUVs with flip up third row seats take up the trunk space, and they're hard to get into.
by Nearly A Moose
Sun Jan 07, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2376

Re: Car recommendations needed for growing family

Just get a minivan. Sorry. I have two kids under 4. We have an SUV (Subaru Forester). Great vehicle, but with two carseats in the second row, you can't fit a third person between them. And driving for overnight trips we're fully loaded. I get giddy whenever we rent a van when traveling - so much spa...
by Nearly A Moose
Sun Jan 07, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?
Replies: 5
Views: 552

Re: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?

If youre young and just want a clean slate, take the tax hit and move on for simplicity - it's not that much money. at the same time, since it's not that much money, if you just transfer it in kind and set the dividends to not reinvest, before too long these holdings will be a neglible part of your ...
by Nearly A Moose
Sun Jan 07, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: A lot in taxable, or a little in Roth: a no-brainer?
Replies: 19
Views: 1414

Re: A lot in taxable, or a little in Roth: a no-brainer?

I'm also confused by the queation: assuming you don't need the money before 59.5, and assuming you have the same investments available on each account, Roth will always beat taxable, simply because it's not taxable. Of course, if you limit your options to the S&P500 in taxable account or something w...
by Nearly A Moose
Thu Jan 04, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: House Down-payment
Replies: 15
Views: 2258

Re: House Down-payment

Mine is in Vanguard Limited term tax exempt municipal bond fund (VMLUX if I recall). Our timeline is also not certain but likely shorter than yours. I've been pleased so far. As someone said, ask yourself whether you're willing to risk the fund dropping by a percentage equivalent to its average dura...
by Nearly A Moose
Thu Jan 04, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing 2018 Taxes
Replies: 19
Views: 2257

Re: Reducing 2018 Taxes

Buy shares of the Vanguard REIT index fund and when it continues to lose money, sell the shares for a loss. You can get a tax deduction for up to the taxes on $3,000 of the loss. Grrrr..... And mine is thoughtfully held in a Roth, so I can't even harvest the losses. :annoyed Should REITs be in taxa...
by Nearly A Moose
Thu Jan 04, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: REITs under new tax law
Replies: 21
Views: 3714

REITs under new tax law

[Post merged into here, see below. --admin LadyGeek] Pardon if this has been addressed already, but the tax law threads have gotten a bit long. Is the new tax law expected to affect REITs in a significant way? For example, are they going to be taxed differently (either to the company owning the pro...
by Nearly A Moose
Thu Jan 04, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Higher net worth / lower cash flow - How to Invest
Replies: 23
Views: 2458

Re: Higher net worth / lower cash flow - How to Invest

I don't have a good big-picture comment, but is that truly "cash," or on CDs or something? I'd at least get most of that into something like an Ally Bank 12 or 24 month CD so that it's staying close to inflation.
by Nearly A Moose
Thu Jan 04, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing 2018 Taxes
Replies: 19
Views: 2257

Re: Reducing 2018 Taxes

livesoft wrote:
Thu Jan 04, 2018 3:31 pm
Buy shares of the Vanguard REIT index fund and when it continues to lose money, sell the shares for a loss. You can get a tax deduction for up to the taxes on $3,000 of the loss.
Grrrr..... And mine is thoughtfully held in a Roth, so I can't even harvest the losses. :annoyed
by Nearly A Moose
Thu Jan 04, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Wireless Ability for Surround Sound Rear Speakers
Replies: 11
Views: 824

Re: Wireless Ability for Surround Sound Rear Speakers

You need a wireless transmitter than can send a signal to a separate amp, which you then connect to the two rear speakers. Prices range dramatically. Monoprice.com I believe still offers an option for under $50 and has a good return policy if you want to try the concept. But you're going to be runni...
by Nearly A Moose
Thu Jan 04, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 4183

Re: E-reader for ebooks - Pros and Cons

Love, love, love the Paperwhite. Battery lasts a week of extensive reading, low-glare screen means I can read outdoors, and it's lightweight as well. Adjustable font size, and an adjustable backlight makes it an amazing addition to my reading life. If it broke today, I'd buy another one later today...
by Nearly A Moose
Thu Jan 04, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Cloud-Based Backup - Mac and NAS - Losing Crashplan
Replies: 4
Views: 458

Re: Cloud-Based Backup - Mac and NAS - Losing Crashplan

onourway wrote:
Thu Jan 04, 2018 4:19 pm
Took a few mouse clicks and entering my credit card info. That's all.
Wow, you're right, that was incredibly simple. And to think I almost started an entirely new backup process! Glad I can turn to Bogleheads for a quick dose of common sense.
by Nearly A Moose
Thu Jan 04, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Cloud-Based Backup - Mac and NAS - Losing Crashplan
Replies: 4
Views: 458

Re: Cloud-Based Backup - Mac and NAS - Losing Crashplan

I just a few minutes ago finally converted my Crashplan Home to Crashplan Business. We have 3 computers. One of them is an iMac with a 4TB drive that acts as the home backup point. I eliminated one laptop in the conversion, as it didn't really need to be backed up to the cloud - nearly everything i...
by Nearly A Moose
Thu Jan 04, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Cloud-Based Backup - Mac and NAS - Losing Crashplan
Replies: 4
Views: 458

Cloud-Based Backup - Mac and NAS - Losing Crashplan

I had forgotten about the pending discontinuation of Crashplan Home :annoyed , so I have a couple days to find an alternative. I know there have been a number of posts on this in the past, but I haven't seen a clear answer for my setup, so I'm hoping to leverage others' experience here. Here's my se...
by Nearly A Moose
Sat Dec 30, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3078

Re: Securing Law School Scholarships

Just saw this. I did the law school thing many moons ago. Law school admission is still all about the numbers (GPA + LSAT), and you have good ones. There are also other factors that could tip the scales in your favor, (geographic diversity, undergraduate college attended, essay, URM status, work ex...
by Nearly A Moose
Sat Dec 30, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance Riders/Waivers
Replies: 11
Views: 674

Re: Disability Insurance Riders/Waivers

I *think* you're limited to 60% of salary, with the 60% being agnostic to tax. Ie, the insurance companies just ask whether the payout would be 60% of salary and don't care whether that amount gets taxed or not if distributed to you. The general rule is that if your employer pays the premium (ie do...
by Nearly A Moose
Sat Dec 30, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance Riders/Waivers
Replies: 11
Views: 674

Re: Disability Insurance Riders/Waivers

I *think* you're limited to 60% of salary, with the 60% being agnostic to tax. Ie, the insurance companies just ask whether the payout would be 60% of salary and don't care whether that amount gets taxed or not if distributed to you. The general rule is that if your employer pays the premium (ie doe...
by Nearly A Moose
Fri Dec 29, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Private personal loan - flat one time fee?
Replies: 15
Views: 1237

Re: Private personal loan - flat one time fee?

This is basically a loan with deferred interest and a balloon payment, no? I'm not sure if those were real numbers or just examples, but your friend may want to also look into whether he can use a credit card cash advance coupled with an introductory offer of 0% interest for the first year, or somet...
by Nearly A Moose
Thu Dec 28, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 6086

Re: CNBC quotes IRS on terms of deductibility of prepaid property taxes

Have only skimmed this thread, but FYI, DC had said that it's 2018 taxes have been assessed and fall under scenario 1:

https://cfo.dc.gov/service/prepay-2018- ... operty-tax
by Nearly A Moose
Wed Dec 27, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3078

Re: Securing Law School Scholarships

OP - You asked about how much law school debt to take on. The unhelpful but probably accurate answer is, assuming you're aiming for a reasonably long stay at biglaw (at least 4-5 years), as much debt as you need to. But in reality, consider your undergrad debt, other obligations (family, property, e...
by Nearly A Moose
Wed Dec 27, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3078

Re: Securing Law School Scholarships

You'll get some money from T-14, but probably not a half scholarship. Law schools care more about the LSAT than they do the GPA (unless GPA is from an Ivy or equivalent). For reference, I know a latina/hispanic femaie with a 170 LSAT and 3.69 GPA received $24k/yr (merit) from Duke (received full ri...