Search found 291 matches

by Nearly A Moose
Fri Dec 09, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3311

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.
by Nearly A Moose
Thu Dec 08, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3311

Re: Frying pan recommendations

I love my All Clad skillet. Great investment. Also love my cast irons. I don't have problems cleaning either. I do have to periodically give the All Clad a deep clean to get it all shiny again. This is an area I like to "invest" in. I have one more larger skillet pan in mind, and then I mi...
by Nearly A Moose
Wed Dec 07, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 789

Re: Muni Fund for Downpayment and Help Understanding Bond Risks

I did consider it, but short term yield is so close to an on-line savings account that it just wasn't worth it for me. Although if you live in DC (as I do), earnings from ANY state's muni bonds are not taxable on your DC return. That can be a nice plus. Interesting. I do live in DC (love the city d...
by Nearly A Moose
Wed Dec 07, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2686

Re: Managing kids money

PS - Not questioning your description of the dynamic, but I have seen UTMAs managed inappropriately by parent custodians. It's hard to watch. Aren't there also tax consequences if the parents administers the account?
by Nearly A Moose
Wed Dec 07, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2686

Re: Managing kids money

I would have the same discomfort as you do regarding someone else managing the account, but I also agree with the thought that, financially speaking, even a poorly managed gift is better than no gift. I would be most concerned with (1) SIL not providing you clear, complete, and timely information; a...
by Nearly A Moose
Wed Dec 07, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 9994

Re: Is Quicken Worth it?

At the risk of getting technical and/or hijacking the thread, does anyone run Quicken for PC on a Mac via Crossovers? If so, have you had a good experience? I'm currently trying to use Banktivity but am not in love with the program - seems to have more manual work than I'd like.
by Nearly A Moose
Wed Dec 07, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

We shall see I guess. We just chose Basic this year after many years on Standard. If one of us lands in the ED, we'll hope for recovery and deal with the costs if they occur. The premium savings alone is around $1900, which should go a long way toward any extra costs from Basic. This thread is what...
by Nearly A Moose
Wed Dec 07, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 789

Re: Muni Fund for Downpayment and Help Understanding Bond Risks

@saltycaper: thanks for clearing a few things up for me. I feel like bonds shouldn't be hard, but I still struggle to really understand the mechanics as well as I'd like. You think I should just abandon this effort and buy a CD? @DCInvestor: thanks. Did you consider shorter term funds? Or was it jus...
by Nearly A Moose
Tue Dec 06, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Fund for Downpayment and Help Understanding Bond Risks
Replies: 7
Views: 789

Muni Fund for Downpayment and Help Understanding Bond Risks

Dear Bogleheads: Sorry for the long post; trying to organize all my thoughts at once. I’m looking for some input on which tax-exempt municipal bond fund I should use to hold the down payment on our next house. My question is both about which fund is most appropriate and how to understand potential b...
by Nearly A Moose
Tue Dec 06, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

All - Thanks for the good input, this is always such a helpful place. In case folks are interested, we opted for Federal Blue Cross Standard. We couldn't get comfortable with the risk of being stuck with paying full costs for out of network care, so we'll pay the higher premiums for now until we bet...
by Nearly A Moose
Mon Dec 05, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2447

Re: Lost: Could really use some advice on our next round of financial goals

Another vote for maxing both 401ks. If you overfund your retirement, you can always dial back contributions later, leave an inheritance, etc.
by Nearly A Moose
Sun Dec 04, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

My concern with plans with local networks and no out of network coverage centers on what happens if one has to be hospitalized while traveling. Emergency treatment is covered, but when does treatment stop being emergency care and become (uncovered) non-emergency care? Risks might include a massive ...
by Nearly A Moose
Sun Dec 04, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone... Wow. How many people wearing contacts? Unless you've already exhausted other medical options and have no other choice look into getting your contacts from a lower priced source or tell your optomet...
by Nearly A Moose
Sun Dec 04, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

Iorek wrote:
fundseeker wrote:Oh, and while we are here discussing these things, I assume you will be maxing out the FSA?


Maxing out a healthcare FSA is not necc. a good idea.


Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone...
by Nearly A Moose
Sun Dec 04, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How Quarterly Taxes Work for Bonus
Replies: 4
Views: 489

Re: How Quarterly Taxes Work for Bonus

Thanks, folks. I'll dig into the safe harbor a bit, appreciate the reference. I'm fortunate in that my income will be a lot higher this year than last year, along with my withholdings, so it seems like this will likely be a non issue.
by Nearly A Moose
Sun Dec 04, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

fundseeker wrote:Oh, and while we are here discussing these things, I assume you will be maxing out the FSA?


Absolutely (doing that through my employer, which is apparently allowed). Healthcare and dependent care.
by Nearly A Moose
Sun Dec 04, 2016 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

Your wife's department/agency may provide free online access to this publication: https://www.checkbook.org/newhig2/hig.cfm I used it a few years ago to make my choice, and found it very helpful. I feel that I need to point out the BCBS Standard employee premium is twice as large as that for GEHA S...
by Nearly A Moose
Sat Dec 03, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: "E-E bonds" or "Double E bonds" ?
Replies: 8
Views: 1089

Re: "E-E bonds" or "Double E bonds" ?

walkindude wrote:I'm a double E (electrical engineer), so I say E-E for the savings bonds!


At my school, you would have been an "E-E"...
by Nearly A Moose
Sat Dec 03, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

Thanks, all, this is very helpful, although not surprisingly there doesn't seem to be a clear consensus. It seems that people are liking both Standard and Basic, whichever they have. We're transitioning from a very expensive (my employer's) plan that is set up very much like Standard but with low fi...
by Nearly A Moose
Sat Dec 03, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Quarterly Taxes Work for Bonus
Replies: 4
Views: 489

How Quarterly Taxes Work for Bonus

This is new tax territory for me. I'm fortunate to be getting a substantial bonus this December. This will be more than twice as large as any bonus I've received, and I want to make sure I understand what if anything I need to do from a tax perspective. The bonus will push us from the 35% to 39.6% f...
by Nearly A Moose
Fri Dec 02, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Re: Federal Blue Cross Standard versus Basic

When I changed from Blue Cross standard to Blue Cross Basic I called the providers I used or looked them up on the Blue Cross site to ensure they were a preferred provider. That is my suggestion on what you should do. Thanks. Yes, we've confirmed that everyone we currently use is under either plan....
by Nearly A Moose
Fri Dec 02, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4580

Re: Not happy with my realtor

I'm a buyer and he's shown me 5 or 6 houses. I'm looking in a particular and relatively small neighborhood. Would it be unreasonable or inappropriate for me to ask him to contact the homeowners there to see if any might be interested in selling? It doesn't happen often, but every once in a while I ...
by Nearly A Moose
Fri Dec 02, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 3004

Federal Blue Cross Standard versus Basic

Greetings, I'm hoping some of the current or former federal employees may be able to help me here. We have decided we are going to consolidate my entire family (me, wife, one toddler, one soon-to-be newborn) onto one insurance plan available to my wife as a federal employee. We've narrowed it down t...
by Nearly A Moose
Fri Dec 02, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital.com
Replies: 16
Views: 2296

Re: Personal Capital.com

Also also, it does seem to confuse cash in my savings accounts (e.g. E fund, vacation fund) as part of my investment portfolio, so it's always telling me I have too much cash in my portfolio (I have $0.06 in cash in my investment portfolio...). Why is it loading data from those accounts if you don'...
by Nearly A Moose
Fri Dec 02, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital.com
Replies: 16
Views: 2296

Re: Personal Capital.com

I wouldn't sweat the cash allocation being off by $150. It could be something internal to the fund or confusion about a dividend, etc, as otherwise mentioned. I use personal capital and find it informative. I pop in occasionally to get a rough snapshot of where things stand, but it's not my only too...
by Nearly A Moose
Thu Dec 01, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax available
Replies: 12
Views: 2524

Re: TurboTax available

Thanks for the heads up. When historically is the cheapest time to buy, assuming you don't have some special discount through another company?
by Nearly A Moose
Thu Nov 24, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: When is the best time to get into Bond Market?
Replies: 30
Views: 3702

Re: When is the best time to get into Bond Market?

Phineas J. Whoopee wrote:
Nearly A Moose wrote:... (duration may not be quite the right word) ...

It is the right word: duration.
PJW


Thanks
by Nearly A Moose
Tue Nov 22, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: When is the best time to get into Bond Market?
Replies: 30
Views: 3702

Re: When is the best time to get into Bond Market?

I believe the general rule of thumb is that if you are planning to hold the bond for longer than than the average duration of the bonds in the fund (duration may not be quite the right word), you will come out better for having experienced a rate hike. Vanguard did a paper on this you can find refer...
by Nearly A Moose
Mon Nov 21, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 6766

Re: Fountain Pens - Do you use one?

I love the aesthetic but am not a conniesour. I have a handful of cheap ones ($25 a much cheaper than some here think of as cheap) that I keep in my office and briefcases. They're cartridge style, so perhaps that explains why they don't leak on me? But I do put them in their own space in my briefcas...
by Nearly A Moose
Mon Nov 21, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Anyone Have Experience With Filing Complaint With FDA?
Replies: 22
Views: 2891

Re: Anyone Have Experience With Filing Complaint With FDA?

Just to clarify, FDA's Center for Veterinary Medicine (CVM) has jurisdiction over the formulation, manufacturing, labeling, and importing of animal drugs (but not biologics, which are regulated by a USDA agency, APHIS). The state in which the vet operates will have a veterinary medicine board of som...
by Nearly A Moose
Mon Nov 21, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Ph.D. Student seeking Investment Advice
Replies: 12
Views: 1547

Re: Ph.D. Student seeking Investment Advice

I guess if you really want Roth space, you could try to line up a side hussle that provides enough income to open a Roth? No idea whether that affects your grant eligibility or is even a good use of your personal capital. It seems some fields are better than others at creating these types of opportu...
by Nearly A Moose
Mon Nov 21, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 4032

Re: Would you buy a house for your college kid?

A lot of this depends very much on the college and the kid. Very hard to give general advice. Where I went to school, it was common to live in campus for two years then to move off campus. It was rural, and the college town has since grown a bit, so anyone from a HCOL area probably wouldn't have bli...
by Nearly A Moose
Mon Nov 21, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check Figures: Affording $1M Home
Replies: 81
Views: 7249

Re: Double Check Figures: Affording $1M Home

FWIW, I have a mortgage almost identical to what you are contemplating, but put 20% down. Your projected numbers are about what I'm paying (my prop taxes and insurance are a touch more, interest a bit less). I live in a HCOL on the other coast from you. We had a combined pre tax income of about 350k...
by Nearly A Moose
Fri Nov 18, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Son has some cash to invest
Replies: 37
Views: 2548

Re: Son has some cash to invest

:idea: This is a perfect opportunity to help your son learn about investing and money management. If you're able and willing to "insure" his investment, instead of doing that, just be prepared to give him a gift of some sort toward his down payment in 6-7 years. Tell him or don't tell him,...
by Nearly A Moose
Fri Nov 18, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Newborn on an HSA plan
Replies: 9
Views: 823

Re: Newborn on an HSA plan

If it is truly a $6k out of pocket maximum, they cover the premiums, and give you $6750 in HSA it seems like a no brainer, no? You have free medical care plus a minimum of $750 extra to invest for later. Agree with this thought process. I'm not a health insurance expert, but this looks like a fanta...
by Nearly A Moose
Thu Nov 17, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 10998

Re: Amazon Echo

The echo is great. Going to be on sale for Black Friday. Buy one. Just beware that Amazon will hear everything you say. Really.
by Nearly A Moose
Fri Nov 11, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Tax withholding on bonus when at high tax bracket
Replies: 8
Views: 1040

Re: Tax withholding on bonus when at high tax bracket

Perhaps I'm missing something, but I just figure out what my marginal tax rate should be for the bonus, figure out what that means I would ultimately be paying in taxes (without regard to an withholding), then, if I think my employer under withheld (which happens when you're in a higher bracket), I ...
by Nearly A Moose
Sat Oct 29, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 2929

Re: Nanny Tax?

We use care.com / homepay / breedlove (all the same company, just not sure what they're branding themselves as now). Is it expensive? Yes. Is it worth it? Absolutely. We pay somewhere around $1,000 in fees each year for the full service - payroll, taxes, etc. Worth every penny. I don't have to rese...
by Nearly A Moose
Fri Oct 28, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Which New Thermostat?
Replies: 15
Views: 1857

Re: Which New Thermostat?

I use Sensi thermostat. They say it works with 9 out of 10 homes. It is programmable and has wifi + free app to remotely monitor and control. It can be set to manual or pre-programmed schedules in case you change you mind later. Also, it can run on battery too. And customer support was very helpful...
by Nearly A Moose
Fri Oct 28, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee- Leave without pay considerations
Replies: 12
Views: 1609

Re: Federal Employee- Leave without pay considerations

Leemiller wrote:
My husband gets 18 weeks paid paternal leave in the private sector, I get zero as a fed.


Thanks. We are in a similar boat as you guys are it seems - it's terribly unfair.
by Nearly A Moose
Fri Oct 28, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 2929

Re: Nanny Tax?

We use care.com / homepay / breedlove (all the same company, just not sure what they're branding themselves as now). Is it expensive? Yes. Is it worth it? Absolutely. We pay somewhere around $1,000 in fees each year for the full service - payroll, taxes, etc. Worth every penny. I don't have to resea...
by Nearly A Moose
Fri Oct 28, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: G Fund as Rising Interest Rate Hedge?
Replies: 7
Views: 977

Re: G Fund as Rising Interest Rate Hedge?

White Coat Investor wrote:I've been using the G fund as a rising interest rate hedge for a decade. So far it has worked out very poorly for me as rates have no risen.


Does that mean you regret it, or that you just anticipate it will be useful somewhere down the road?
by Nearly A Moose
Fri Oct 28, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee- Leave without pay considerations
Replies: 12
Views: 1609

Re: Federal Employee- Leave without pay considerations

Thanks for the replies so far. Can anyone confirm that the 1% TSP contribution gets suspended during LWOP? (And, yes, exploring all the usual options for getting more/advanced leave)
by Nearly A Moose
Fri Oct 28, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: G Fund as Rising Interest Rate Hedge?
Replies: 7
Views: 977

G Fund as Rising Interest Rate Hedge?

There's obviously a lot of talk about the potential for rising interest rates. That's also been talked about the last 5 years. I plan to hold my bond funds past their average duration, so if I understand things correctly, I actually should be just fine long term if rates go up. If, however, I wanted...
by Nearly A Moose
Fri Oct 28, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee- Leave without pay considerations
Replies: 12
Views: 1609

Re: Federal Employee- Leave without pay considerations

I am pretty sure she can get advanced leave for maternity/childbirth. ETA: link to OPM advanced sick leave webpage, which mentions pregnancy/childbirth as a reason for getting up to 30 days advanced sick leave. https://www.opm.gov/policy-data-oversight/pay-leave/leave-administration/fact-sheets/adv...
by Nearly A Moose
Fri Oct 28, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee- Leave without pay considerations
Replies: 12
Views: 1609

Federal Employee- Leave without pay considerations

I think I'm right but am looking for confirmation (having a hard time finding this on the TSP website). My wife is a federal employee. FERS. We're expecting a child next year. We exhausted all her leave with our first child a couple years back, and it hasn't built up enough to cover her full materni...
by Nearly A Moose
Wed Oct 26, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Small Windfall Ideas
Replies: 10
Views: 1322

Re: Small Windfall Ideas

My condolences on your father's passing. Sounds like you can't go wrong. Do you have grandkids? Might you later? Nieces or nephews? Grand nieces or nephews (O think they're eligible)? If you don't think you need the money, you could decide you want to share your father's legacy with future generatio...
by Nearly A Moose
Wed Oct 26, 2016 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1412

Re: Federal Blue Cross - Good Value?

You might also consider the other federal plans. In particular, Blue Cross doesn't offer a high-deductible plan, but several other insurers do. And the way the FEHB subsidizes health plans (75% of premium, up to 72% of the average premium) makes high-deductible plans particularly attractive; if a h...
by Nearly A Moose
Tue Oct 25, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching Basic Person Finance
Replies: 37
Views: 2464

Re: Teaching Basic Person Finance

I'm not crazy about your subject list. I'd go up a few thousand feet. Something like: Why do we want to pay attention to personal finance? --Be able to pay our bills --Not be in debt forever --Be able to someday retire --Have money saved for cool stuff like emergencies, houses and cars How do we do...
by Nearly A Moose
Tue Oct 25, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross - Good Value?
Replies: 27
Views: 1412

Re: Federal Blue Cross - Good Value?

Nearly A Moose: I have been covered by Federal Blue Cross for nearly 50 years. Never had a problem. Together with Medicare after age 65, all our medical bills have been paid in full without argument! I understand the federal government subsidizes a significant part of the premium which helps make i...

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