Search found 356 matches

by Nearly A Moose
Wed Sep 21, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: major remodel: regrets or things you'd do again
Replies: 68
Views: 7644

Re: major remodel: regrets or things you'd do again

paper200 wrote:Nice job mss. Looks very good.


+1 :beer
by Nearly A Moose
Wed Sep 21, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Warm January Vacation?
Replies: 19
Views: 1967

Re: Warm January Vacation?

San Diego +1. Went here when wife was pregnant with our first. Also plenty to do with a young child (I'm assuming not so young that you're just dragging it wherever you go). I'm assuming FL (and the Caribbean, but you mentioned the US) are off limits due to Zika. AZ/Scottsdale also nice, but it sti...
by Nearly A Moose
Wed Sep 21, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 2233

Re: Recommendation on Tax Preparation Software

I use turbo tax. I buy the download version rather than the online version. This allows me to do multiple scenarios for Roth conversions, what-if's, etc; this may not be relevant to your situation. With only W-2, 1099's, no business, and no rentals, there is absolutely no reason not to do it yourse...
by Nearly A Moose
Wed Sep 21, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 2233

Re: Recommendation on Tax Preparation Software

I use turbo tax. I buy the download version rather than the online version. This allows me to do multiple scenarios for Roth conversions, what-if's, etc; this may not be relevant to your situation. With only W-2, 1099's, no business, and no rentals, there is absolutely no reason not to do it yourse...
by Nearly A Moose
Mon Sep 19, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 2432

Re: Calling DC area Bogleheads for help with relocation

mouses wrote:DC in the area of the White House is a very high crime area, unless things have changed in the last few years.


Uh, no.
by Nearly A Moose
Sat Sep 17, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Lending money to son
Replies: 21
Views: 2351

Re: Lending money to son

As someone not too far removed from the post-grad-school-to-real-life transition (not medical though) and who has friends still in residency, I'd say (1) that was incredibly generous of you and I hope your son is deeply grateful for the big financial leg up you've given him, and (2) make your plans ...
by Nearly A Moose
Fri Sep 16, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: When to sell parent's home
Replies: 25
Views: 2677

Re: When to sell parent's home

My parents had a similar experience almost ten years ago now. Once my grandfather moved out of the house, they started a deliberate wind-down and sale process on the house. They took a reasonable amount of time - didn't rush but didn't dawdle - which let everyone in the family "get" the th...
by Nearly A Moose
Thu Sep 15, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: I invested $10,500 in a private US company [pressured to sell back shares]
Replies: 19
Views: 2658

Re: I invested $10,500 in a private US company [pressured to sell back shares]

Why are you in this incredibly risky investment? What's the offer to buy back your shares? Is this a very large amount of your portfolio? This could be a great chance to get out of this thing.
by Nearly A Moose
Thu Sep 15, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 45
Views: 3944

Re: Vanguard QCD Checks [Qualified Charitable Distributions]

Possibly a dumb question, as I'm not to the point where I'm able to do this, but would/does including a preprinted postage paid return card or letter that simply requires their signature or attestation increase the response rate? Just trying to think practically.
by Nearly A Moose
Thu Sep 15, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 25
Views: 2546

Re: Experience with High Yielding Money Market Accounts

I'm very happy with Ally. Been using them for over a year. Reasonably quick transfers that are easy to schedule. Easy to manage multiple accounts if you're into bucketing your savings. You can deposit a check using a smartphone. It's very easy and I've never had a problem. I haven't deposited cash i...
by Nearly A Moose
Wed Sep 14, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 11896

Re: How much vacation time do you get at work?

As much as I want to take. I usually take somewhere in the range of 4-6 weeks all told. I still work a decent number of those days.
by Nearly A Moose
Wed Sep 14, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 529 question
Replies: 6
Views: 576

Re: Inherited 529 question

This is an incredibly helpful explanation. In all seriousness, is there a way to get this incorporated into wiki article on 529 plans? The description of financial aid effects in the main 529 plan page is rather brief. The appropriate wiki article is Expected Family Contribution . However, I see th...
by Nearly A Moose
Wed Sep 14, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Insane CPA bill, please advise
Replies: 23
Views: 4744

Re: Insane CPA bill, please advise

When you call the office, remember that you catch more bees with honey. In other words, be nice. It could well be an error. Or as someone else said, he could had to spend more time researching than he let on. Just ask and explain yourself clearly and calmly. Seems like something should correct or wr...
by Nearly A Moose
Wed Sep 14, 2016 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 529 question
Replies: 6
Views: 576

Re: Inherited 529 question

The negative implications for grandparent-owned 529 plans are much less now, because financial aid methodology uses the prior-prior year. That is, your 2016-17 financial aid depends on your 2014 income (because you might not have filed the 2015 taxes by the time you fill out the financial aid form....
by Nearly A Moose
Wed Sep 14, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of upside down car
Replies: 60
Views: 4311

Re: Getting out of upside down car

Follow the collective wisdom of this thread. Consider snow tires if you feel you need them or you notice that the "natives" have them. A key thing to remember is that up north, the towns and counties actually know how to handle snow. A big snowfall up North? Roads are salted in advance, s...
by Nearly A Moose
Wed Sep 14, 2016 2:25 am
Forum: Personal Consumer Issues
Topic: Visa Discount Air Benefit
Replies: 6
Views: 745

Re: Visa Discount Air Benefit

jumppilot wrote:The Ritz card gets you $300 in travel credits as well. Very easy to redeem.

Also comes with a Priority Pass membership and Marriott Gold if you spend $10,000 a year.

I travel a lot so it works for me.



Good to know, thanks
by Nearly A Moose
Tue Sep 13, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Visa Discount Air Benefit
Replies: 6
Views: 745

Re: Visa Discount Air Benefit

Is that also others' experiences? If so, this card seems a complete no-brainer even if you never step foot in a Ritz/Marriott. Keep in mind 1) That the R-C card has a $450 annual fee (there are other perks, but it's still significant), and 2) Chase also has the Chase Sapphire Reserve at the same fe...
by Nearly A Moose
Tue Sep 13, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Visa Discount Air Benefit
Replies: 6
Views: 745

Re: Visa Discount Air Benefit

5th hit on google: http://thepointsguy.com/2016/08/booking-with-visa-infinite-airfare-discount/ Thanks. I actually read that site from time to time, but he's selling credit card referrals, so "trust but verify." TPG says this: "As can be seen in the above image, the prices shown on T...
by Nearly A Moose
Tue Sep 13, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Visa Discount Air Benefit
Replies: 6
Views: 745

Visa Discount Air Benefit

Does anyone have experience with the "Visa Discount Air Benefit" offered on the updated Riz Carlton Rewards credit card? This is part of the new "Visa Infinite" program. It's advertised as letting cardholders get a $100 credit on multi-passenger airfare booked through the special...
by Nearly A Moose
Tue Sep 13, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of upside down car
Replies: 60
Views: 4311

Re: Getting out of upside down car

Follow the collective wisdom of this thread. Consider snow tires if you feel you need them or you notice that the "natives" have them. A key thing to remember is that up north, the towns and counties actually know how to handle snow. A big snowfall up North? Roads are salted in advance, sn...
by Nearly A Moose
Tue Sep 13, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Amending old tax return
Replies: 22
Views: 1458

Re: Amending old tax return

Of topic (but, hey, it's my thread :D ), I infer you're a tax attorney or accountant or something similar. I'm an attorney but not a tax attorney, and each year I keep thinking about volunteering with a pro bono walk-in tax prep clinic like Vita. From your perspective, do your "line level"...
by Nearly A Moose
Tue Sep 13, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Amending old tax return
Replies: 22
Views: 1458

Re: Amending old tax return

How painful is it to amend a 2014 federal and state (DC) tax return to add in a charitable contribution I forgot about? I itemized for 2014, 2015, and will do so for 2016. I've never amended a return before and am wondering if it's worth the hassle for a few hundred dollars. Presumably, amending 20...
by Nearly A Moose
Tue Sep 13, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Amending old tax return
Replies: 22
Views: 1458

Re: Amending old tax return

Keep in mind that if you deducted your 2014 state income taxes as an itemized deduction on your federal tax return, then any state refund you receive based on your amended state return will be included in your gross income subject to federal taxation in the year in which you receive it. (That is, o...
by Nearly A Moose
Mon Sep 12, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Amending old tax return
Replies: 22
Views: 1458

Re: Amending old tax return

Thanks, both of you.
by Nearly A Moose
Mon Sep 12, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment Question
Replies: 21
Views: 2216

Re: Downpayment Question

David1986 wrote:Thank you all very much! I will now be moving in with a good friend as you guys have brought me back down to reality. My 403b and I thank you!


Wise choice. Have fun living with your buddy, and sock away money like crazy. And good job avoiding getting in over your head. Being house poor sucks.
by Nearly A Moose
Mon Sep 12, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 5467

Re: Education cost and kids

I'll pay as much as I comfortably can. I'd probably expect my kids to take federal loans, assuming the rates are reasonable. Some combination of giving them a bit of skin in the game and experience managing money and paying loans (mostly the latter, really). If they decided they just had to be arts ...
by Nearly A Moose
Mon Sep 12, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Amending old tax return
Replies: 22
Views: 1458

Amending old tax return

How painful is it to amend a 2014 federal and state (DC) tax return to add in a charitable contribution I forgot about? I itemized for 2014, 2015, and will do so for 2016. I've never amended a return before and am wondering if it's worth the hassle for a few hundred dollars. Presumably, amending 201...
by Nearly A Moose
Mon Sep 12, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand Dependent Care FSA/taxes
Replies: 1
Views: 213

Re: Trying to understand Dependent Care FSA/taxes

My dependent care FSA runs with the calendar year, so I can't really speak to 2 and 3. As to question 1, when you submit an expense, it draws as much as in in your account. If your account is 0, it waits until there is money. I.e. If the expense is incurred on day 1, and the account gets funded on d...
by Nearly A Moose
Mon Sep 12, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Slicer for Sweet Potato Fries
Replies: 12
Views: 1344

Re: Slicer for Sweet Potato Fries

A sharp, high quality chef's knife. Pay a bit more than you expected to, and sharpen it often. 10" if you're an average height man, 8" or 10" if a woman. Not trying to be cheeky, but really that's all you need. The kitchen gadget industry has bent over backwards to make us think we ne...
by Nearly A Moose
Mon Sep 12, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where to place an emergency fund
Replies: 8
Views: 1604

Re: Where to place an emergency fund

Yeah, that's dumb. It's not inappropriate yield chasing to pick the savings account with the highways interest rate when it's otherwise the same service. Mine is in Ally. No-brainier.
by Nearly A Moose
Mon Sep 12, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Christmas gift expectations
Replies: 61
Views: 4888

Re: Christmas gift expectations

This is nuts. Just don't do it. I'm inferring other might also object to your sister's actions, so you're probably doing everyone a favor by throwing cold water on this. If you play along this year, it will make it more likely this gets repeated next year and harder for you to back out then. Tell he...
by Nearly A Moose
Fri Sep 09, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Personal Shopper/Service for Complicated Purchases
Replies: 14
Views: 1298

Re: Personal Shopper/Service for Complicated Purchases

For the stradivarius, what about reaching out to a university with a good art history or musical arts department, or to a performing arts school? I know this is legwork and not a personal shopper tip, but I could see a music professor or university museum curator being really into the idea of helpin...
by Nearly A Moose
Thu Sep 08, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: New money
Replies: 15
Views: 1928

Re: New money

Just invest it to your target AA. 10% is a nice boost but not that much of your overall portfolio.
by Nearly A Moose
Wed Sep 07, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 5321

Re: Inheriting lake property with 2 other siblings

Whether or not it was intentional, the parents have given everyone advance notice of the proposal, and now it's up to the kids to collectively or individually provide their feedback. I think it's perfectly appropriate to have a conversation with the parents (OP's wife obviously has to be part of it)...
by Nearly A Moose
Tue Sep 06, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: need help on next investment steps
Replies: 12
Views: 1009

Re: need help on next investment steps

That does sound like a high car loan rate. What's your monthly payment on it? Have you thought about knocking the loan out and then using the amount you're currently paying on the loan to instead automatically invest into a taxable account (or put it into a "buy the next car in cash" fund,...
by Nearly A Moose
Tue Sep 06, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: This would be a terrible mistake, right? [Convert all IRAs]
Replies: 20
Views: 2150

Re: This would be a terrible mistake, right?

Am I also missing something? Why is he wanting to pay taxes he doesn't have to? (He can pay mine instead if he just wants to pay taxes :P ) Wouldn't he want to do that -- if doing it at all -- in a year he has a lower marginal rate, not a higher one?
by Nearly A Moose
Tue Sep 06, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 11995

Re: Alternatives to Quicken 2016?

We got Mac Quicken last December at my insistence and moved from a previous Windows version.[....] Thanks for the feedback. I don't know where I stand in the spectrum of Bogleheads, but I'm primarily interested in using whatever software I have for analyzing my investments rather than tracking expe...
by Nearly A Moose
Tue Sep 06, 2016 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: 529 for Second Child?
Replies: 4
Views: 924

Re: 529 for Second Child?

mhalley wrote:These are what Clark Howard says are the best plans:


Thanks, seems like I'm not completely off base here.

How do folks with two kids have their 529s structured, in particular if you're going beyond your state income tax deduction limits and thus aren't tied to your particular state?
by Nearly A Moose
Tue Sep 06, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: 529 for Second Child?
Replies: 4
Views: 924

529 for Second Child?

Greetings, All. We are expecting our second child at the beginning of 2017. I wanted to check my understanding of 529s for multiple children and get feedback on my proposed strategy. We (my wife and I) currently each have a 529 with our first child as the beneficiary (so, two 529s total). We live in...
by Nearly A Moose
Tue Sep 06, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 11995

Re: Alternatives to Quicken 2016?

I think this is relate enough not to be hijacking the thread (but Mods please move if it's a problem): are there any Mac Quicken users out there? The reviews all make it sound like a "glorified check register", which is not something I need. I'm looking for a tool to track investments acro...
by Nearly A Moose
Thu Sep 01, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help selecting new HSA/PPO plan now that baby has arrived
Replies: 10
Views: 775

Re: Help selecting new HSA/PPO plan now that baby has arrived

I'll echo what others have said about doctors visits for a baby. You'll be there a lot. We have a toddler. I forget the first year checkup timetable, but it's something like a doctors visit at 2 days, 2 weeks, one month (maybe?), 6 months, and 1 year. There could also be some others in there, like 3...
by Nearly A Moose
Thu Sep 01, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Advice re: son's inheritance
Replies: 25
Views: 2895

Re: Advice re: son's inheritance

Since some folks have gotten worried about your statement that your son is not that interested in finances (I'll admit it gave me pause but I realize it could mean different things), I think it's great he has come to you for advice. I still go to my father for feedback on major financial plans and w...
by Nearly A Moose
Thu Sep 01, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Deadspin - A Salute to John Bogle
Replies: 16
Views: 2573

Re: Deadspin - A Salute to John Bogle

Eh, it's Deadspin, what would you expect? Think of reading any article on that site as though you were having a conversation at a sports bar with that one friend from college who never really "refined" his language. I'm personally a fan of the site and am incredibly amused that I found thi...
by Nearly A Moose
Thu Sep 01, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone bought a home with Redfin?
Replies: 35
Views: 5121

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? Our experience was in a HCOLA durin...
by Nearly A Moose
Fri Aug 26, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: High income, confused, trying to get a plan in place.
Replies: 25
Views: 3500

Re: High income, confused, trying to get a plan in place.

I don't know much about Wealthfront or Betterment but will inquire and do my due diligence. Betterment beats Wealthfront on the fee front (no pun intended) by a significant margin. It seems that otherwise they offer similar services, but I haven't used either personally. I actually got very close t...
by Nearly A Moose
Thu Aug 25, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off low-interest student loan?
Replies: 4
Views: 437

Re: Pay off low-interest student loan?

Are you to the point where you're all set in the savings/investing front and you're just trying figure out what do with a marginal $15,000? If that's the case, then do what makes you happier. I'm thinking about doing that with the rest of my student loans this year (about 12k left at 4.3%) just to b...
by Nearly A Moose
Thu Aug 25, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: should a student invest for retirement?
Replies: 17
Views: 1910

Re: should a student invest for retirement?

Depends on interest rates if you are borrowing. I was borrowing at 6.8% as a student (federal rate at the time). Anything I put in the market was essentially investing on margin at 6.8%. Didn't seem like a great deal to me, even with the Roth opportunity. I think the vast majority of BH would take ...
by Nearly A Moose
Thu Aug 25, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: should a student invest for retirement?
Replies: 17
Views: 1910

Re: should a student invest for retirement?

If you (I'm assuming you're the student...) can get a Roth going, especially if you anticipate later having an income that would make you ineligible, consider starting and funding that. Since you can only add 5500 each year until you're much older, building that balance up could make sense. That sai...
by Nearly A Moose
Thu Aug 25, 2016 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Concerned I'm investing at peak
Replies: 31
Views: 4343

Re: Concerned I'm investing at peak

Standard response to all these "at its peak" questions: when do you think you'll need this money? 30 years from now? Do you really think that in 30 years, 8/24/16 will still be the peak of the US stock market? I assume you'll say no, so invest the money worry free. You don't care one bit w...

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