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Re: Any interest in a Baltimore Chapter?

I'm in the Westminster, MD area.

swimirvine's suggestion of hunt valley/lutherville is a good one and seems fairly central to me.
by Gardener
Tue Dec 09, 2014 7:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Baltimore/Southern PA Chapter?
Replies: 14
Views: 886

Re: thank you note following interview (best way)

Op here. I am very thankful for all of your replies. I am definitely out of touch in this area and really appreciate everyone's input.

I went ahead and e-mailed thank you's to all of those people I interviewed with and the person who escorted me to the interview room.
by Gardener
Tue Dec 09, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1449

Re: Any interest in a Baltimore Chapter?

I live northwest of Baltimore and would be interested in a Baltimore chapter. I have seen several Maryland posters, so hopefully others will be interested as well.
by Gardener
Tue Dec 09, 2014 3:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Baltimore/Southern PA Chapter?
Replies: 14
Views: 886

thank you note following interview (best way)

Forgive me for this very basic question concerning appropriate job interview follow up. I found contradicting information online. So I just interviewed with a federal employer today. I wanted to see the most appropriate way to send a thank you note these days. Typed? Handwritten? Email? Would I just...
by Gardener
Tue Dec 09, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1449

Re: Big career decision while going through depression

Rex, Thank you for your response. Waiting until the depression clears to make this major decision seems to be wise advice. And then part of me says this might be the life change that could help alleviate the depression. What youve suggested is probably nearer to the truth. I am aware of the fact tha...
by Gardener
Mon Dec 01, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Big career decision while going through depression
Replies: 9
Views: 1731

Big career decision while going through depression

Quick background. I am early 30s. I am currently going through some moderate to severe depression (began 01/2014). I have a security clearance, so have held off on seeing a doctor, as this could potentiality impact my ability to maintain said cleaeance. Depression was brought on by marital challenge...
by Gardener
Mon Dec 01, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Big career decision while going through depression
Replies: 9
Views: 1731

Re: FYI, PenFed offering 0.0% new car loans

Thanks Snowskier

How was your experience with Penfed and using their car buying service? I am in the market for a new truck. Thanks!
by Gardener
Tue Aug 26, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: FYI, PenFed offering 0.0% new car loans
Replies: 15
Views: 2005

Re: Guidance on car insurance

one other thing- my insurer Geico offers emergency roadside assist, rental car in the event of mechanical failure. It only costs an extra ~10 bucks a month. Seems like a no brainer to just get it.
by Gardener
Tue Aug 26, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 767

Re: Guidance on car insurance

Thank you for your responses. Livesoft- It looks like my insurer set the comprehensive and collision amounts at the same price point of the vehicle. So, I dont really have much of a decision to make here. Pshonore- perhaps, you are correct in that 20k is too low in coverage amount. I somewhat arbitr...
by Gardener
Tue Aug 26, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 767

Guidance on car insurance

Please advise on a reasonable amount of car insurance that my wife should carry. After reading several articles on the subject and perusing through several threads on this site, I was able to decide on some of my insurance needs, but still unsure on the others. Can someone advise on a reasonable com...
by Gardener
Tue Aug 26, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 767

Re: which engine and transmission options to choose for Taco

LAlearning wrote:V6 and 5AT.
They are both antiques but the best of the worst options.


LA,

Why do you favor v6 and 5at? Thank you.
by Gardener
Thu Aug 21, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2542

Re: which engine and transmission options to choose for Taco

I should have added a few more details. that this is a 4 door vehicle. We live in a hilly rural area. Loads hauled will be light and monthly for small home projects. This vehicle will rack up very few highway miles. I will check to see if v6 engine requires premium fuel. Not overly sensitive about g...
by Gardener
Thu Aug 21, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2542

which engine and transmission options to choose for Tacoma?

Given my wife's driving habits, what options for the engine and transmission should she choose? First, the truck, which is a 2014 Tacoma will be my wife's. She has about a nine mile commute to work. All country roads. Highest posted speed limit is 45 mph. Only one traffic light and a couple of stop ...
by Gardener
Thu Aug 21, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2542

Re: Smartest way to fund new car purchase?

Anyway, I had the cash on hand to purchase the vehicle outright but choose to finance 100% because USAA gave me a 1.3% loan. And while not everyone can get USAA, you can absolutely find a really good rate. The dealer offered me 2.95% and said "you won't be able to find a better deal than this....
by Gardener
Sat Aug 16, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1611

Re: Smartest way to fund new car purchase?

You can afford it, thats not the problem. The problem I see is dumping 33k into a Toyota Tacoma....surely there must be a used one you like, or even be able to negotiate down that MSRP. I would even wait for the Chevy Colorado first..... I have always bought used in the past. Unfortunately, for the...
by Gardener
Sat Aug 16, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1611

Smartest way to fund new car purchase?

Smartest way to pay for new Toyota Tacoma? Possible Pertinent Information: Purchase Price of car: ~33k My Age: 31 Dual Income : ~170k (may vary up or down as I am self employed, but wife and I have relatively stabile jobs) Our Savings Rate: ~25-35% Checking Acct: ~4k Ibonds: 10k Taxable Accts: ~20k ...
by Gardener
Sat Aug 16, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1611

Re: Fewer, large contributions vs smaller, regular contribut

Thanks Leerar, will go ahead and start to have taxable dividends sent to savings. Tax advantaged accounts I can continue to reinvest dividends...correct? thank you!
by Gardener
Mon Mar 31, 2014 5:57 am
 
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 938

Re: Fewer, large contributions vs smaller, regular contribut

Thank you very much for the responses. I will go ahead and start making regular monthly contributions. One follow on question if I may regarding the reinvestment of dividends. I have been having my accounts automatically reinvest the dividends in their respective 401k, roths, and taxable accounts. S...
by Gardener
Mon Mar 31, 2014 5:43 am
 
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 938

Fewer, large contributions vs smaller, regular contributions

Forgive me for the amateurish question. Is it advisable to purchase index funds in clean, round number amounts versus, lets say, regular purchases/contributions each month? Does making round lump sum contributions make accounting easier down the line when one sells? For example, each year I wait unt...
by Gardener
Sun Mar 30, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 938

Re: Ultraviolet light to treat house water?

That was the information that I was looking for, GED and hicabob.

I am grateful for the timely responses!
by Gardener
Fri Mar 07, 2014 5:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Ultraviolet light to treat house water?
Replies: 4
Views: 690

Ultraviolet light to treat house water?

This might be a long shot.. Does anyone have any experience with using ultraviolet (uv) light to treat their house water? I live in the country and recently found out that our water has bacteria in amounts that exeeds our counties safety standards. Have received two estimates on how to treat the wat...
by Gardener
Thu Mar 06, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ultraviolet light to treat house water?
Replies: 4
Views: 690

Re: Deferred Compensation Plan

Op here. Thank you everyone for helping to break this down for me. Couple of quick clarifications: Reading through the Summary of Plan Provisions, I see that if employment is terminated before normal retirement age, account is paid in a single lump sum, regardless of our payment elections. Regarding...
by Gardener
Mon Dec 16, 2013 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 1805

Deferred Compensation Plan

My wife has recently been offered the option to participate and contribute to her employer's non qualified Deferred Compensation plan. Would this make sense to do even though it is very possible that my wife will not be working here at retirement age? Second, would we get hit with the 10% early with...
by Gardener
Sun Dec 15, 2013 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 1805

Re: Highly compensated employee and deferral limits??

Texas hold em71 wrote:It sounds to me like your wife's company won't let her put in more than 4 percent. I would ask HR to be sure.
.


Crap- this is what I am thinking as well. Will verify this well.

Thanks for the explanation about the reasoning behind HCE maximum limits. Had no idea.
by Gardener
Sat Dec 07, 2013 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 655

Re: Highly compensated employee and deferral limits??

[/quote]Your wife should check the plan summary to see if the 20% rule has been adopted by the plan. If she is one of the top 20% she will be notified that her contribution is limited to 4%.[/quote] Thanks for the above manwithnoname (I assume that isn't your real name?) Will check into the plan sum...
by Gardener
Sat Dec 07, 2013 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 655

Re: Highly compensated employee and deferral limits??

furwut wrote:
Your wife is limited to contributing, over the course of a year, the lessor of 4% of her income or $17,500.
k.


This was my understanding as well, but wanted to make sure. Thank you for confirming this.
by Gardener
Sat Dec 07, 2013 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 655

Re: Highly compensated employee and deferral limits??

I have been a HCE for a long time and have contributed more than 4 percent for all of that time. In some years, our plan has failed the discrimination testing (lower earning employees did not contribute enough) and some of my contribution was returned to me and taxed. Usually no more than a few hun...
by Gardener
Sat Dec 07, 2013 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 655

Highly compensated employee and deferral limits??

I was hoping to see if anyone might be able to better clarify or explain IRS maximum deferral limits in a 401k on highly compensated employees. I'm not so sure that I understand what the IRS and my wife's 401k are saying... Heres my question. Given the below italicized information I found on her 401...
by Gardener
Sat Dec 07, 2013 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 655

Re: Medical Coverage Help

"Obamacare has nothing to do with coverage of spouses on employer health plans. That is entirely your employer's choice." Jack, with all due respect, you cannot be serious. I can quite literally find 100 reputable news articles that indicate otherwise. http://www.foxnews.com/politics/2013/...
by Gardener
Wed Nov 20, 2013 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 808

Re: Concerned about losing principal in Total Bond Market Fu

Op here. I certainly don't plan on doing anything rash or immediate to my investing plan. But, I am leaning towards likely going down one of two paths in the future. Path one - continue investing in TBM as I am or Path two- (as grayparrot suggested) invest the fixed income part of my portfolio in eq...
by Gardener
Tue Nov 19, 2013 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Concerned about losing principal in Total Bond Market Fund
Replies: 92
Views: 8581

Re: Medical Coverage Help

Quick update- So, my research findings indicate that Obamacare punishes those that wish to have their spouse added/remain on coverage. By taking my wife off of my plan, my Aetna health insurance rate goes from $425/mo. to $130 a month. My wife, will also have her company solely cover her (checked in...
by Gardener
Tue Nov 19, 2013 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 808

Re: Concerned about losing principal in Total Bond Market Fu

@dbr- I think I am more concerned about the bond part of the portfolio, because I feel that this is an area where I have more control on the outcome. If I believe interest rates will stay the same or go up, wouldn't it be advisable to move over to CD's or somewhere else in bonds where I might be abl...
by Gardener
Mon Nov 18, 2013 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Concerned about losing principal in Total Bond Market Fund
Replies: 92
Views: 8581

Concerned about losing principal in Total Bond Market Fund

Would I be better off investing in something other than the Total Bond Market Index Fund in the bonds section of my 3 fund portfolio? I get a little anxious losing principal in Total Bond Market. It seems to me that rates will stay the same or rise for the foreseeable future. Our brief financial bio...
by Gardener
Mon Nov 18, 2013 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Concerned about losing principal in Total Bond Market Fund
Replies: 92
Views: 8581

Re: A Modest Proposal

For reasons eloquently expressed by Victoria, I think that the Bogleheads should keep the site the way it is. I think the moderators tight moderation of the material permitted on the site make it the intelligent, sober site that it is.
by Gardener
Sun Nov 17, 2013 10:24 am
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 5907

Re: Medical Coverage Help

@ Molesky- good call. I'll check in to see the quality of my wife's employer's coverage plan. Haven't even gotten the name of the company yet (we've both been working like dogs lately and haven't had time to really go over this) . Agree that Federal exchange unlikely to provide better rates and I've...
by Gardener
Thu Nov 14, 2013 5:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 808

Medical Coverage Help

Looking for some guidance, here. I am in open enrollment with my company until 11/22/2013. My health insurance for just my wife and I will be going up 5x (!) (from $80 to $425 per month) on 1/1/2014 from the rates in 2013 for the same medical coverage plan (Aetna 2000 w/HSA). I only have one other p...
by Gardener
Wed Nov 13, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 808

Re: Anyone know the San Antonio, TX area?

Thank you very much for your responses.

Will look at Alamo Heights.

And just finished reading through the city data forum, which provided some good ideas as well.
by Gardener
Thu Jul 11, 2013 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone know the San Antonio, TX area?
Replies: 4
Views: 545

Anyone know the San Antonio, TX area?

Are there any nice, safe areas to raise a family near Lackland Air Force base in San Antonio? If so, what areas, neighborhoods? I am a government contractor and have the opportunity to move to San Antonio. Ideally, I would like to live within ten minutes of my work, which would be at Lackland. I wou...
by Gardener
Thu Jul 11, 2013 6:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone know the San Antonio, TX area?
Replies: 4
Views: 545

Re: Question: Taxable investing, International Stock investi

Hoppy, Thank you for your reply. Your point about most plans offering inferior international fund options is exactly why I was looking to place international in taxable accounts. Also, I will look at the links you have provided. Livesoft, Thank you for your reply and the information on the foreign t...
by Gardener
Fri Jul 05, 2013 5:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Question: Taxable investing, International Stock investing
Replies: 4
Views: 422

Question: Taxable investing, International Stock investing

Quick notes about my situation: 1. I am new to investing in taxable accounts. 2. I am maxing out all tax advantaged places. 3. I am utilizing the three fund portfolio, US Mutual Funds, US Bonds Funds, Intl Mutual Funds And my questions: Would it be wise to invest in the VG Total International Stock ...
by Gardener
Thu Jul 04, 2013 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Question: Taxable investing, International Stock investing
Replies: 4
Views: 422

Re: Buying a car outright smartest financially?

Spending half of ones life savings on a vehicle, a second one no less, would be unwise. At your young age, I would recommend making financial decisions with the goal of building wealth, not depleting half of it! Op, good job on making a serious income at a young age. I am fairly certain that that le...
by Gardener
Thu Jul 04, 2013 6:52 am
 
Forum: Personal Consumer Issues
Topic: Buying a car outright smartest financially?
Replies: 149
Views: 10811

Re: Jump in price in my electricity bill?

Just got off the phone with the power company. They asked for the reading that I came up with today. She input the number I gave her in my file. The woman was very pleasant and apologized for the inconvenience. Said she could: 1) reissue a new bill for last month based on my reading (Im on autobill ...
by Gardener
Tue Jun 18, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jump in price in my electricity bill?
Replies: 29
Views: 2086

Re: Jump in price in my electricity bill?

mptness wrote:You didn't mention how you get your water.
A submersible well pump can malfunction (ie. Cycle on and off more frequently) without you realizing.


I never considered that. We live out in the country and have well water.
by Gardener
Tue Jun 18, 2013 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jump in price in my electricity bill?
Replies: 29
Views: 2086

Re: Jump in price in my electricity bill?

Well, I have found the answer. Meter was misread by power company by one important digit. The Baltimore Gas and Electric Meter invoice (6/10/2013) current reading was 93822 kWh. I can see plain as day, today (6/18/2013) my meter reads 93091 kWh! Everyone makes mistakes, I suppose. In meterman's defe...
by Gardener
Tue Jun 18, 2013 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jump in price in my electricity bill?
Replies: 29
Views: 2086

Re: Jump in price in my electricity bill?

Bill is not estimated for this month. And previous month was not estimated either.

Rates are just about the same as last year. This Invoice indicates a large increase in usage over years passed.

Ill take a look at the meter and the water heater.
by Gardener
Mon Jun 17, 2013 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jump in price in my electricity bill?
Replies: 29
Views: 2086

Jump in price in my electricity bill?

My electric bill was more than double than what it usually is this time of year- $215 I went through my previous years electric bills. For the same time period (May 10-June 10) last year it was in the $90's. The year prior to that it was in the $80's. Same house. Same electricity provider. Haven't e...
by Gardener
Mon Jun 17, 2013 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jump in price in my electricity bill?
Replies: 29
Views: 2086

Re: [Can I afford a] New Car Purchase

Looking back, One of the best financial decisions I made in my 20's was to purchase a very affordable, very reliable used car with cash. I am 30 now. Purchased a 2000 Toyota Camry xle in 2006 with 114,xxx miles. Did my homework on the make and model and year of the car. Took it to my mechanic to ful...
by Gardener
Sun Jun 09, 2013 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Can I afford a] New Car Purchase
Replies: 48
Views: 3173

Re: Refinance small condo loan?

Folks, Thanks so much for your input. I read through all of your responses, but have printed this thread out so I can analyze more in depth the different types of options you provided. Before I posted, I was leaning towards trying to get something done with PenFed 5/5Arm. Now, it seems this might be...
by Gardener
Fri May 10, 2013 5:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinance small condo loan?
Replies: 6
Views: 603

Refinance small condo loan?

Would it be advisable for my mother in law to refinance her small mortgage? If so, is there a particular institution that I should check out with her? Any guidance or advice would be appreciated. Heres the background on my mother - in - law's current mortgage and her overall finances: Property Locat...
by Gardener
Wed May 08, 2013 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance small condo loan?
Replies: 6
Views: 603
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