Search found 97 matches

by Gardener
Sat Apr 11, 2015 9:46 am
Forum: Personal Finance (Not Investing)
Topic: HR error- Highly compensated employee status
Replies: 11
Views: 1372

Re: UPDATE HR error- Highly compensated employee status

Update: My wife went ahead and wrote a polite letter to HR Benefits Manager asking if they would give consideration to making a contributing match in the amount that she lost out on due to the miscommunication error. The manager sent an email back acknowledging the miscommunication error, and provid...
by Gardener
Sat Apr 04, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: HR error- Highly compensated employee status
Replies: 11
Views: 1372

Re: HR error- Highly compensated employee status

Thank you very much for the replies-I am grateful to have gotten your input. Understood that this is not employer's rule, but an IRS one. Please understand that this letter from HR did two things. It provided the information that my wife was not a Highly compensated employee, and that she could ther...
by Gardener
Sat Apr 04, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: HR error- Highly compensated employee status
Replies: 11
Views: 1372

HR error- Highly compensated employee status

A HR letter in 12/2014 from my wife's employer incorrectly indicated that my wife would NOT be considered a highly compensated employee for upcoming year 2015. Therefore, we set her contribution up to hit the maximum 18k contributions in her 401k at the end of 12/2015. HR then sent a letter in 3/201...
by Gardener
Sun Mar 08, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Choosing between learning a language/learning martial art
Replies: 20
Views: 1178

Re: Choosing between learning a language/learning martial ar

Thank you folks. I agree that learning a language would be easier to fit into my schedule as there is some flexibility there (listen to CD's during commute, practice with mother in law at the house, online tutoring) that a martial art will not have. This is a fairly big point for me as I live in a r...
by Gardener
Sun Mar 08, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Choosing between learning a language/learning martial art
Replies: 20
Views: 1178

Choosing between learning a language/learning martial art

Any guidance here? I have approximately 7 or 8 hours or so of time a week that I'd like to devote to a personal development activity. I am deciding between learning to read, write, and speak Korean or to learn a martial art like Taekwondo. There is not enough time to become proficient at both. Some ...
by Gardener
Fri Jan 30, 2015 10:27 am
Forum: Investing - Theory, News & General
Topic: TSP contribution limits clarification
Replies: 10
Views: 809

Re: TSP contribution limits clarification

Thank you, Glomar!
by Gardener
Fri Jan 30, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: TSP contribution limits clarification
Replies: 10
Views: 809

TSP contribution limits clarification

Quick clarifying questions, just started job with the federal government. What is the combined amount that I can contribute in the TSP traditional and TSP Roth 401ks? Is it just a combined 18k for the two in TSP? Let's say I contribute 18k to traditional TSP plan...Can I not contribute anything to R...
by Gardener
Mon Jan 19, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: laptop reccommendations
Replies: 7
Views: 1054

Re: laptop reccommendations

Thank you all.

Following the general advice given here, I purchased a Lenovo e545 for $399. I was sure to use the Amazon link from the bogleheads site.
by Gardener
Sat Jan 17, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: laptop reccommendations
Replies: 7
Views: 1054

laptop reccommendations

Any reccomendations for a laptop? I need one to achieve the following purposes: comfortable keyboard setup (i will type in word for hours a day) Windows 7 (i am already comfortable with it) Cd rom drive at least 13 inch screen Wont get bogged down by having 3 to 4 tabs open bonus,but not necessary w...
by Gardener
Fri Jan 02, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Question on IRS standard mileage for new self employed perso
Replies: 7
Views: 855

Re: Question on IRS standard mileage for new self employed p

Thank you Geologist. That's how I understood IRS explanation on standard mileage, but wanted to be sure.
by Gardener
Fri Jan 02, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Question on IRS standard mileage for new self employed perso
Replies: 7
Views: 855

Question on IRS standard mileage for new self employed perso

I was a self employed person in 2014. Question on IRS Standard mileage rate. To deduct automobile expenses, do I simply take the business miles driven and multiply it by the the standard mileage rate (56 cents per mile)? Does this standard mileage rate cover fuel expenses, auto insurance, depreciati...
by Gardener
Thu Jan 01, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Working for Federal Employer and Federal Contractor allowed?
Replies: 4
Views: 455

Re: Working for Federal Employer and Federal Contractor allo

Thanks folks. One thing Ill add is that I am self employed fed contractor and not a w2 employee. I have not started yet with federal employer quite yet. Just submitted fingerprints for the preemployment process and so have not been assigned a supervisor yet. I will go ahead and direct questions to f...
by Gardener
Thu Jan 01, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Working for Federal Employer and Federal Contractor allowed?
Replies: 4
Views: 455

Working for Federal Employer and Federal Contractor allowed?

Can a person work concurrently as a full time Federal Employee and part time as a Federal Contractor? To be a little more specific, I was very recently hired on as a full time Federal Employee at Federal Employer A, but would like to continue my work as a part time Federal Contractor for Federal Emp...
by Gardener
Tue Dec 09, 2014 7:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Baltimore/Southern PA Bogleheads
Replies: 25
Views: 3413

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 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1575

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 3:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Baltimore/Southern PA Bogleheads
Replies: 25
Views: 3413

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 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1575

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
Mon Dec 01, 2014 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Big career decision while going through depression
Replies: 9
Views: 1818

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 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Big career decision while going through depression
Replies: 9
Views: 1818

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
Tue Aug 26, 2014 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: FYI, PenFed offering 0.0% new car loans
Replies: 15
Views: 2273

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 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 808

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 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 808

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 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 808

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
Thu Aug 21, 2014 2:57 pm
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2690

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 2:55 pm
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2690

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 11:50 am
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2690

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
Sat Aug 16, 2014 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1722

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 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1722

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 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1722

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
Mon Mar 31, 2014 5:57 am
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 953

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 5:43 am
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 953

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
Sun Mar 30, 2014 7:26 am
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 953

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
Fri Mar 07, 2014 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Ultraviolet light to treat house water?
Replies: 4
Views: 718

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
Thu Mar 06, 2014 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ultraviolet light to treat house water?
Replies: 4
Views: 718

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
Mon Dec 16, 2013 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 2023

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
Sun Dec 15, 2013 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 2023

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
Sat Dec 07, 2013 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 735

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 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 735

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 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 735

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 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 735

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 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 735

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
Wed Nov 20, 2013 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 847

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
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: 8812

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 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 847

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
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: 8812

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 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about losing principal in Total Bond Market Fund
Replies: 92
Views: 8812

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
Sun Nov 17, 2013 10:24 am
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 6087

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
Thu Nov 14, 2013 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 847

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
Wed Nov 13, 2013 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Coverage Help
Replies: 12
Views: 847

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...

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