Search found 783 matches

by Nearly A Moose
Wed Mar 28, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8974

Re: Not going to be buying chicken for a while...

Just to offer a little context to this post. White striping and a similar but not directly related issue called Woody breast are issues that have cropped up in chicken farming in the past couple years. White striping can sometimes be a quality issue, but it's safe. Woody breast is also safe, but a ...
by Nearly A Moose
Wed Mar 28, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8974

Re: Not going to be buying chicken for a while...

Just to offer a little context to this post. White striping and a similar but not directly related issue called Woody breast are issues that have cropped up in chicken farming in the past couple years. White striping can sometimes be a quality issue, but it's safe. Woody breast is also safe, but a b...
by Nearly A Moose
Wed Mar 28, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3954

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Other things: Do own laundry Iron clothes Basic cooking Make a bed (from the above, you might infer I had roommates of varying life skills...) Scrub a toilet/shower/sink Handle basic financial tasks (eg reconcile a statement, do a transfer) Understand and schedule basic car maintenance, if she has a...
by Nearly A Moose
Wed Mar 28, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3954

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

I should disclose that I'm responding based on my experience as a student not as a parent of college age kids yet. But I had (1) a credit card where my mother and I were jointly in the account, which I'd had for gas money starting when I got my license and to be used for expenses my parents were goi...
by Nearly A Moose
Wed Mar 28, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3954

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

These are great ideas, DS is going off to college in the Fall. Yes we signed up for orientation day sounds like that should be fun. These are good reminders we parents need to let go of the reins, why does it seem hard with kids today... As DS college they are splitting parents off from students, s...
by Nearly A Moose
Wed Mar 28, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3954

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Fake ID? I'm still upset mine got confiscated the night before my 21st B day :beer Lol! I had a pretty crappy fake ID that worked fine for almost a year. I splurged for a super high quality fake that cost $300 (20 years ago) and it was confiscated the first time I used it! That was a life lesson. S...
by Nearly A Moose
Tue Mar 27, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Another Whole Life Question
Replies: 23
Views: 1818

Re: Another Whole Life Question

Not an insurance expert, but being in the process of doing this now, I think you're on the right track in exiting. Also, it looks like your I'm force illustration was drawn using projected not guaranteed values (you perhaps might ask for both and assume it will be somewhere in between on reality). A...
by Nearly A Moose
Mon Mar 26, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4032

Re: Thinking about capitulating on house

I'd stay the course unless there's a good reason to change. +1. You're doing fine. +2 And +1 to the Lego room :D Remember, lots of transaction costs to selling a house. Even the 6% agent fees might be a whole year of rent elsewhere (not to mention any taxes your localily might impose, fees for fina...
by Nearly A Moose
Mon Mar 26, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2331

Re: Any hand written letter services out there that write and mail on your behalf?

Does anyone know if there's a service out there that will write and mail a letter on your behalf? In other words, you type up a message and email to the service and they will copy that and mail it (stamp and all) to the recipient for you. Better yet, any that will hand write for you and then just a...
by Nearly A Moose
Mon Mar 26, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 12
Views: 643

Re: Audio books

I forget the price, but I think its hard to compare prices of audio books to written books (can't say "printed" anymore) because they are very different. Audio quality is great, don't notice a difference between books on CD. Very easy to cancel. I subscribed for about a year bit started falling behi...
by Nearly A Moose
Mon Mar 26, 2018 5:15 am
Forum: Personal Consumer Issues
Topic: Low cost repair of CD players in older Camrys?
Replies: 27
Views: 1563

Re: Low cost repair of CD players in older Camrys?

Crutchfield https://www.crutchfield.com/Car/outfitmycar/mycar.aspx Installation kits are very good. Instructions excellent. Customer service outstanding You can install a low cost, modern, car audio unit with a CD and USB input. Then load all your music on a USB stick to use in the car. j :D This i...
by Nearly A Moose
Sat Mar 24, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Easiest way to add shelves to cabinet and closet
Replies: 6
Views: 483

Easiest way to add shelves to cabinet and closet

For the DIY'ers out there: I need to add a couple shelves to a custom-sized cabinet in my kitchen and in my closet. They were installed by California Closets, and while I'm checking on the price of ordering more custom-cut shelves, since these aren't going to be visible and could just be taken out i...
by Nearly A Moose
Fri Mar 23, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2759

Re: Coffee maker recommendations

Do you want coffee or espresso? If espresso, I'd go Nespresso in a heartbeat. Pretty good quality for a pod system, and you can get a pretty compact one. But I don't think a Nespresso machine pours a full American coffee. You'd have to go k cup for that I think. I'd go Nespresso were I in your shoe...
by Nearly A Moose
Thu Mar 22, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2759

Re: Coffee maker recommendations

Do you want coffee or espresso? If espresso, I'd go Nespresso in a heartbeat. Pretty good quality for a pod system, and you can get a pretty compact one. But I don't think a Nespresso machine pours a full American coffee. You'd have to go k cup for that I think. I'd go Nespresso were I in your shoes.
by Nearly A Moose
Thu Mar 15, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - Joint or Solo?
Replies: 12
Views: 708

Re: Donor Advised Fund - Joint or Solo?

I will say, I'm struggling mightily against my dry/sarcastic sense of humor when it comes to naming the thing. Perhaps the "Uncle Pennybags Charitable Fund." But that would probably get me sued by whoever owns Monopoly now...
by Nearly A Moose
Thu Mar 15, 2018 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - Joint or Solo?
Replies: 12
Views: 708

Re: Donor Advised Fund - Joint or Solo?

I think the question suggests that you may not fully understand DAFs. They are independent 501c3 charities. They aren't in anybody's "name." There are those who are advisors, who can recommend grants and control investments. You can include yourself, your wife, your kids and anybody else you want. ...
by Nearly A Moose
Wed Mar 14, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - Joint or Solo?
Replies: 12
Views: 708

Donor Advised Fund - Joint or Solo?

I'm in the process of opening a donor advised fund (DAF) at Fidelity. It seems I have the option of putting it in my name, spouse's name, or joint. My instinct is to make it joint because we do everything finance-wise jointly. But any downsides to that? It seems that from our financial perspective, ...
by Nearly A Moose
Mon Mar 12, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3666

Re: Balsamic vinegar?

My wife and I try to buy balsamic from the Jacuzzi winery store when we are in Sonoma California. Jacuzzi is a old fashioned winery that sells Italian wine varieties and lots other stuff like olive oil and balsamic vinegar. The store is called the Olive Press. They specialize is local grown olive o...
by Nearly A Moose
Sun Mar 11, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: I need to sell some stock now for a looming expense, right?
Replies: 28
Views: 2899

Re: I need to sell some stock now for a looming expense, right?

Double check there is no extra fee for a payment plan. It is to the school's advantage to be paid up front, so they often add fees to encourage payment in full. There were also extra charges for tuition "insurance". I tended to pay in full since the fees for installments was more than I wanted to p...
by Nearly A Moose
Sun Mar 11, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Downpayment Savings - Money Market Account
Replies: 13
Views: 1547

Re: Downpayment Savings - Money Market Account

Thank you for the additional recommendation to look into a municipal bond fund. I think that could be a good option for my state as well. How would I figure out whether I'm taxed at a high enough rate to make it worthwhile? Someone more experienced than I am can probably give you a cleaner answer, ...
by Nearly A Moose
Sat Mar 10, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?
Replies: 30
Views: 2838

Re: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?

I’ll add only that you both should temper expectations for the outcome of this weekend away. Sounds like you’re going to have some good topics of discussion, but it’s quite likely you won’t reach complete resolution on most or all of them. And you don’t want one of you to feel like you had to cave b...
by Nearly A Moose
Sat Mar 10, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: need help with travel plan with CC rewards
Replies: 9
Views: 1003

Re: need help with travel plan with CC rewards

I went down this rabbit hole a couple years ago, then realized that chasing credit card rewards aggressively wasn't worth my time. Unless you have status to begin with, the airline cards generally aren't that valuable. The exception is Southwest, which can be amazing if it covers your planned travel...
by Nearly A Moose
Sat Mar 10, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: I need to sell some stock now for a looming expense, right?
Replies: 28
Views: 2899

Re: I need to sell some stock now for a looming expense, right?

I get what Livesoft is saying about just rebalancing in tax deferred accounts, although for some reason I’m having trouble getting my head around the fact that I’m not going to be overly complicating my portfolio management. I have to say that what you wrote makes me laugh. In effect, you wrote, "I...
by Nearly A Moose
Sat Mar 10, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: I need to sell some stock now for a looming expense, right?
Replies: 28
Views: 2899

Re: I need to sell some stock now for a looming expense, right?

Thanks, all this is helpful. To clarify, this isn’t by any means all of my portfolio, just the easiest pile of money to pull from. I should be able to cash flow this next next (or I might even be able to set aside an end of year bonus for it), so this is sort of a one-time issue; I’m not trying to m...
by Nearly A Moose
Fri Mar 09, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Custom shades from Home Depot
Replies: 13
Views: 1638

Re: Custom shades from Home Depot

Thanks everyone for your feedback - it sounds like a lot of votes for selectblinds.com / blinds.com and a some for Levelor. I've gotten some samples of a few different grade cellular shades from Select Blinds and the highest grade house brand ("Signature") quality seems better than the Home Depot b...
by Nearly A Moose
Fri Mar 09, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Custom shades from Home Depot
Replies: 13
Views: 1638

Re: Custom shades from Home Depot

We have the Levolor Accordia room darkening shades from HD and have been happy with them. They are advertised to block 90% of the light and they really do make the room dark, I'm not sure how much darker blackout could be. +1...We did the whole house with these and very happy and the blackout work ...
by Nearly A Moose
Fri Mar 09, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Anyone with Citi bank? Frustrating trying to close my account
Replies: 10
Views: 902

Re: Anyone with Citi bank? Frustrating trying to close my account

I'm with Citi for my mortgage and hold a nominal bank account, but without a minimum (or any benefits aside from 25 basis points off my mortgage rate). Their customer service stinks, but fortunately I've had little reason to use it. Does the below-balance fee vary based on how far below the limit yo...
by Nearly A Moose
Thu Mar 08, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Term, Whole & Disability Insurance: revision questions
Replies: 29
Views: 1536

Re: Term, Whole & Disability Insurance: revision questions

Nearly A Moose: Wow! I REALLY appreciate all that effort you put in for me! I'm working my butt off here so I can't tell you how helpful that was. I'm feeling encouraged by all the great responses I'm getting, helping me get straightened out. Feels good! Thank you all SO much! Didn't take too long,...
by Nearly A Moose
Thu Mar 08, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: I need to sell some stock now for a looming expense, right?
Replies: 28
Views: 2899

I need to sell some stock now for a looming expense, right?

I have a new expense that's going to start this summer. Private school tuition that I can pay evenly at $2500/mo, 12 months a year, or $30k up front. I've confirmed that there's no penalty or fees for paying monthly installments and so plan to do that. Due to competing goals and priorities, I think ...
by Nearly A Moose
Thu Mar 08, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking multiple savings goals in one account
Replies: 13
Views: 823

Re: Tracking multiple savings goals in one account

Thanks, all, very helpful. I love a good excuse to create spreadsheets, so I guess as long as I can make myself keep it updated, that seems like a good way to handle it.
by Nearly A Moose
Thu Mar 08, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Term, Whole & Disability Insurance: revision questions
Replies: 29
Views: 1536

Re: Term, Whole & Disability Insurance: revision questions

Last one for the night, and I'm even less informed about disability insurance, but it seems that your husband has a very unfavorable definition of disabled. I believe total disability means he can't collect so long as he could be a Wal-Mart greeter. Again, there's no harm in trying to shop this arou...
by Nearly A Moose
Thu Mar 08, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Term, Whole & Disability Insurance: revision questions
Replies: 29
Views: 1536

Re: Term, Whole & Disability Insurance: revision questions

I was curious and tried filling out a Term4Sale detailed health questionnaire for a hypothetical 25 year old, non-smoker, normal blood pressure and cholesterol, fairly normal height and slightly heavy weight in my zip code. The detailed health questionnaire didn't ask whether the applicant had had c...
by Nearly A Moose
Thu Mar 08, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 6589

Re: Is this too much for a kitchen?

Don't feel I'm qualified to talk about the entire quote, but how are you only budgeting $3k for appliances? Are you able to re-use most of yours? That seems a bit low compared to the rest of the items. I think people get a bit out of control with the all the crazy high-end appliances (if you will an...
by Nearly A Moose
Thu Mar 08, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Buying a house before selling a house
Replies: 29
Views: 2127

Re: Buying a house before selling a house

We were in this situation a few months ago. We had a fairly large home equity line of credit on our old home that we used as part of the downpayment on the new home while we waited for ours to sell. We looked at a bridge loan but it was loaded with fees. The equity line of credit ended up being the...
by Nearly A Moose
Thu Mar 08, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Term, Whole & Disability Insurance: revision questions
Replies: 29
Views: 1536

Re: Term, Whole & Disability Insurance: revision questions

I don't consider myself an expert in this, but have you read White Coat Investor on this yet? If you're not familiar, WCI is a forum member and runs his own blog by that name. It's focused on finances for physicians, so generally a certain income and debt dynamic, but he has a number of really good ...
by Nearly A Moose
Thu Mar 08, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Tracking multiple savings goals in one account
Replies: 13
Views: 823

Tracking multiple savings goals in one account

Quick question: For those of you who use one savings account (or CD ladder, or investment holding, etc.) to encompass multiple savings goals, how do you track it? For example, say someone is saving monthly for an emergency fund, vacation sinking fund, property taxes, and new car purchase. All those ...
by Nearly A Moose
Wed Mar 07, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Term, Whole & Disability Insurance: revision questions
Replies: 29
Views: 1536

Re: Term, Whole & Disability Insurance: revision questions

Reading on my phone, but did part of your post get cut off at the end?
by Nearly A Moose
Wed Mar 07, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1560

Re: Best Mac budgeting and finance tool?

Having gone down this road myself, banktivity and moneydance are the leading options. I used banktivity for about a year but then kind of stopped tracking a regular budget and set up an excel system for tracking net worth and such. Banktivity requires you to use and understand a double entry account...
by Nearly A Moose
Wed Mar 07, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment Savings - Money Market Account
Replies: 13
Views: 1547

Re: Downpayment Savings - Money Market Account

Consider vanguard short term municipal bond or limited term municipal bond, if your tax rate makes munis worth it.
by Nearly A Moose
Wed Mar 07, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Keep or get out of Variable annuity? Hairy math.
Replies: 35
Views: 1493

Re: Keep or get out of Variable annuity? Hairy math.

By no means an expert on this, but it sounds like you just keep this thing at this point. You don’t need the money now, and you may as well defer the taxes. You can then figure out the most efficient way to extract the money when you need it. From reading the discussions by those of retirement age, ...
by Nearly A Moose
Wed Mar 07, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2426

Re: Lost social security card, steps to take?

A follow up - someone actually found her wallet, turned it into a Starbucks near her office, and nothing had been taken, not even the cash! crazy...
by Nearly A Moose
Tue Mar 06, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4003

Re: Converting old home to open plan layout?

Thanks for sharing the plans. This stuff is fun to watch as someone who dreams of redoing a home. I'm by no means an expert here, but I feel like Option B gives you better flow, provided you're okay with the entrance opening all the way into the house. It creates more of a central corridor from whic...
by Nearly A Moose
Tue Mar 06, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 2004

Re: food safety after power outage

Molasses is fine. Lasts forever at room temp. I’d toss the eggs, or if you don’t, cook them thoroughly and clean up well. Salmonella enteritidis (and other salmonella species) grow well at room temp and can be found on eggs.
by Nearly A Moose
Tue Mar 06, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 2004

Re: food safety after power outage

Throw out the yogurt. Sealed foods that are left at non refrigerated temp and haven’t been processed to be shelf stable at ambient temp run the risk of clostridium botulinum formation, which can cause botulism if toxins are consumed. C bot requires an anaerobic atmosphere to grow, and something like...
by Nearly A Moose
Tue Mar 06, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason to steer clear of Bitcoin. As if we need another reason...
Replies: 47
Views: 6304

Re: Another reason to steer clear of Bitcoin. As if we need another reason...

So listening to the radio last week and one of the mortgage hawkers lauded the ability to get a cash out refi. One of the things listed that a person could do with the money: "buy the bit coin drop". All I could think is "Winter is coming". I'm amused. :sharebeer I also own an itty bitty teeny tigh...
by Nearly A Moose
Tue Mar 06, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: 529 as tax-free savings account for private school
Replies: 36
Views: 2313

Re: 529 as tax-free savings account for private school

Good plan! I was thinking something similar for this year. Do you know if you can withdraw from Child A's account to pay for Child B's tuition? I have multiple accounts for each kid. Each 529 account can only have one beneficiary. If you want to avoid the income tax hit (and possibly the 10% additi...
by Nearly A Moose
Tue Mar 06, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: 529 as tax-free savings account for private school
Replies: 36
Views: 2313

Re: 529 as tax-free savings account for private school

I think DC rules state that if you make a withdrawal within two years, the principle is subject to recapture of DC taxes at your income tax bracket. Thanks, I'll check on that. But I'm not trying to contribute for purposes of the income tax deduction, just what is effectively federal tax-free inter...
by Nearly A Moose
Tue Mar 06, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: 10% IRS penalty on annuity that was 1035 exchange from VUL?
Replies: 20
Views: 897

Re: 10% IRS penalty on annuity that was 1035 exchange from VUL?

Im doing a 1035 exchange right now out of a WL policy, with the idea of cashing out right around when I get back to my original basis. I had several conversations with Vanguard reps during the process, and each time I asked your question. Interestingly/annoyingly I got inconsistent answers. I *think...
by Nearly A Moose
Tue Mar 06, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: 529 as tax-free savings account for private school
Replies: 36
Views: 2313

Re: 529 as tax-free savings account for private school

I've already maxed out state tax deductions for 529s, so in my case, it's purely tax-free interest. I'd view it as more compelling if I could take a tax deduction for the contribution. Leaning away from doing this right now unless I can find a 529 with a very compelling low-risk fund that beats wha...
by Nearly A Moose
Mon Mar 05, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: 529 as tax-free savings account for private school
Replies: 36
Views: 2313

Re: 529 as tax-free savings account for private school

However, if there is no minimum holding period and you still get the state tax deduction, wouldn't it be a no-brainer to just run the money through just prior to paying tuition? Checking to see if I'm missing anything on this. I've already maxed out state tax deductions for 529s, so in my case, it'...