Search found 152 matches

by Gardener
Wed May 24, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 6
Views: 658

How do I transfer property from mother-in-law to wife and I?

How do I transfer property (in Arizona) from my mother-in-law and father-in-law (deceased but on the deed) to my wife and I? There is still a small mortgage balance remaining. Is this a taxable event (aside from future property taxes?

Thank you
by Gardener
Sun Apr 23, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7205

Re: Time savers - life on automation

Jimmie wrote:
rebellovw wrote:Funny - I have the Neato D5 Connected robot vacuum - love it. Everyday it is full even when the house appears clean.

The reason the house appears clean is because the robot vacuum is full. :oops:


I don't know why, but this cracked me up!
by Gardener
Tue Apr 18, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3172

Re: Taxes- okay to just drop in the mail today??

Op here.

Fair enough about getting my returns in earlier. My two action steps to avoid this issue in the future is to 1) ask about e-filing so we don't have to mail anything in 2) get her my return information in earlier.

Thanks!
by Gardener
Tue Apr 18, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3172

Taxes- okay to just drop in the mail today??

Hello, My accountant finished my returns late last night. Can I just sign these returns and send to IRS by dropping off in mailbox before the mailman comes, or do I have to drop off at the post office? Second, I've gotten a little frustrated with my accountant, and wanted to see if you think my frus...
by Gardener
Mon Feb 13, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 4200

Re: UPDATE Getting Rid of Google Search Result??

OP HERE and positive update.

I successfully contacted the website in question and explained the reasoning why I wanted the seat belt ticket w/my address removed.

And miraculously they took it down with no resistance!

Thank you folks- I am thrilled
by Gardener
Wed Feb 08, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 4200

Re: Getting Rid of Google Search Result??

Thank you folks- I really appreciate the input. I now have a game plan that does not involve paying off the website. 1. Bury the negative information with neutral/positive information using the suggestions posted here 2. Go to the major 'personal data collection type' websites that allow opting out ...
by Gardener
Tue Feb 07, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 4200

OP UPDATE:Getting Rid of Google Search Result??

Quick background. I did a google search on my name and found that the 5th result down shows my name, address, and that I have a traffic citation: operating a motor vehicle while (and after you click on the link, it says..not restrained by a seatbelt) that occurred last year. The name of the site tha...
by Gardener
Sat Dec 24, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 8489

Re: Hard Endeavor/Exercise in Middle Age

I am 33.

I box- sparring and everything. It's amazing what it does for your mind and body. Incredibly physically demanding, but the rewards have been worth it.

Gardener
by Gardener
Mon Dec 12, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Remote Auto Start for truck
Replies: 9
Views: 938

Re: Remote Auto Start for truck

Just an update. Ended up purchasing a Compustar by a very reputable car audio type place in my local town. Cost of everything- product, install, taxes will set me back $750, but wife will be happy. I really appreciate the salesmen's honesty who told me that the actual range of the auto start is abou...
by Gardener
Thu Dec 08, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Remote Auto Start for truck
Replies: 9
Views: 938

Re: Remote Auto Start for truck

Thank you everyone for the replies. I contacted our local Toyota dealer and they said that for our year- 2015 Toyota Tacoma, they do not do remote start installs. Looking at options now from: Best Buy (uses Viper) A reputable car audio place (uses Compustar) I looked up Astro star and was not able t...
by Gardener
Thu Dec 08, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Remote Auto Start for truck
Replies: 9
Views: 938

Remote Auto Start for truck

My wife wants remote autostart for her pick up truck. 90% of her driving is from the driveway (we don't have a garage) to work about 8 miles away in the morning and then back again at night. She is not very cold hardy as she grew up in the desert in the southwest. I think starting the car from the h...
by Gardener
Mon Oct 24, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Re: Unhappy with job, thoughts on my options?

Very valid points. It would be a lot to ask of my wife. And somehow you already know how my wife and her mother interact! Taking the scenario one step farther, I'd have to probably request 1 month off, 2 weeks before baby due date so I don't miss delivery, and 2 weeks paternity leave (i could be wro...
by Gardener
Mon Oct 24, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Re: Unhappy with job, thoughts on my options?

But, we did have a perhaps wild idea of me taking the job specialty in the government that I like and relocating on my own for ~2-4 months. Then, after baby arrives in April 17, I visit on paternity leave for two weeks, and then wife, baby, and I go to my new location. My wife would then have 2.5 m...
by Gardener
Mon Oct 24, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Re: Unhappy with job, thoughts on my options?

Considering the deep unhappiness you describe, you really can't remain in your current job, either for your own good or for others around you who likely sense your feelings and may be affected by them. The options you've nicely laid out seem quite thorough and it's now a matter of what the final de...
by Gardener
Mon Oct 24, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Re: Unhappy with job, thoughts on my options?

I would not be pursuing any change in employment until after the baby arrives. Having the medical insurance for the hospitalization and birth is hugely important, and your wife probably already has relationships with an Ob/Gyn and pediatrician in place. Once the baby is here, I'd look to transfer t...
by Gardener
Mon Oct 24, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Re: Unhappy with job, thoughts on my options?

Sounds like you at stuck locally given wife is expecting and you are going to get free live-in childcare from grandmother. That's worth a lot. I assume your wife also works which is why you need live in childcare. Life is way too long to stay in a job you dislike. Make sure your management knows yo...
by Gardener
Mon Oct 24, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Re: Unhappy with job, thoughts on my options?

ill summarize: you sound conflicted. you should find what makes you happy, because if you dont, nothing will change. good luck with the baby! Thanks LA Learning. Certainly conflicted. Starting to realize that all of my options involve some fairly tough trade offs. Agreed that I'll have to make a mo...
by Gardener
Sun Oct 23, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job, thoughts on my options?
Replies: 12
Views: 1968

Unhappy with job, thoughts on my options?

Here's my career dilemma. I apologize for writing War and Peace! I just wanted to get my thoughts on the screen and see if anyone has any thoughts. I took a federal government job about a year and a half ago in work that was completely different than what I had done in the past. Now, I find myself c...
by Gardener
Fri Oct 14, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2637

Re: Getting out of my baby work shower

Thanks English Girl. That's probably fair- it would come off as rude if I asked them not to throw one for me even though that is not at all my intent. Not sure if the people enjoy throwing the parties, or if its more of an obligation at this point. To be frank, I left a job were I worked 100% in the...
by Gardener
Fri Oct 14, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2637

Re: Getting out of my baby work shower

Thank you.

I have to tell them as I'll be going out on paternity leave for a couple of weeks.
by Gardener
Fri Oct 14, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2637

Getting out of my baby work shower

I realize this is a first world work problem, but here's my little issue: I work for a Federal Government Agency. My wife is pregnant. In the past, my office has thrown surprise baby type showers even for the men. I think it's a really nice gesture and I don't want to come off as being ungrateful, b...
by Gardener
Tue Sep 20, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

http://www.lowes.com/pd/Troy-Bilt-Storm-2625-243cc-26-in-Two-Stage-Electric-Start-Gas-Snow-Blower-with-Headlight/50324133 I've gone back and forth between snow blowers, but this one above that was suggested seems reasonable $720 (with 10% discount from lowes). Should I be concerned that it says thi...
by Gardener
Mon Sep 19, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Thanks Btenny Those are some pretty hardcore snowblowers. I really like that Yardman shown in Amazon. Tracks is something I haven't considered until now. My neighbor does not have tracks on his and he seems to get along okay w/out from what I can tell. But, it does not seem to have any down side to ...
by Gardener
Mon Sep 19, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

I'd go with this one. You would be surprised how much the headlight helps. My Troy Bilt has run for years, no issues. http://www.lowes.com/pd/Troy-Bilt-Storm-2625-243cc-26-in-Two-Stage-Electric-Start-Gas-Snow-Blower-with-Headlight/50324133 Good call. This meets all of my criteria and has great revi...
by Gardener
Mon Sep 19, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

I'm also going to be picking up some snow spikes (~$11) for my boots this year to make sure the hill does not give me any problems.

Hoping my snow blower does not need the chains as this seems like it'd be a bit of a pain in the ass to take on and off.
by Gardener
Mon Sep 19, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Ithenderson- Thanks- I'm actually looking at a 24 inch one now from Briggs and Stratton now. Great reviews, reasonable price. Wondering if 254 CC's will be powerful enough? What do you think? https://www.amazon.com/dp/B00YMMCP8W/ref=psdc_3043481_t2_B00LHN4MVW Still considering used as well. Would lo...
by Gardener
Mon Sep 19, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Also, is there something that commonly tends to go wrong with these things? Who fixes snowblowers when they need repair- is this same people who fix lawn mowers, tractors, etc? If I remember correctly, my neighbor who also has a steep driveway had a belt that broke and he had to replace. Unfortunate...
by Gardener
Mon Sep 19, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Thanks gd.

Living in the country as I do, I am limited to really just a Sears,Home Depot and Lowes about 15 minutes away. No other power stores near me. HD and Lowes both sell them around 6-800ish. Not really sure on quality from these large box stores?
by Gardener
Mon Sep 19, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

The Wizard-

Thanks for the link- snowblowersdirect is a great website.

And agreed about buying early. I want to buy now so that I can do it relatively leisurely and have it ready to go come winter.
by Gardener
Mon Sep 19, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Yeah, Da5id. I'd estimate 30 degree angle. If I'm off, maybe 25 degree angle..its fairly steep. I'm okay doing it myself and in my early 30's so it shouldn't be too taxing for me. We live in a rural area and sometimes it takes a long time for snow plows, tractors to get to our driveway. Last time, w...
by Gardener
Mon Sep 19, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Thanks Da5id. That annual snowfall is the total limit. I actually thought we got a bit more than 32 inches a year, but maybe that's some recency bias as the last two winters we've had serious snowfall (24-36 inches in one snowfall) Seems sensible to get something that can handle more than the averag...
by Gardener
Mon Sep 19, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Re: Advice on snowblower

Holy hell- I had no idea there was a three stager. After additional research, I am thinking I will probably need the two stage at least and at least 24 inch width. That Cub Cadet is a good option for sure and will keep it in consideration. I bet that thing gets through snow fast! I haven't really fi...
by Gardener
Mon Sep 19, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 3860

Advice on snowblower

How much snowblower do I need for my situation? Single or two stroked? How many CC's or HP? Safe to buy used from Craigs List if seller demonstrates starts up right away and everything working? How many inch clearing path? 21, 22, 24, 26, 28 etc? Location: Northern, MD Annual Snowfall per google: 32...
by Gardener
Mon Sep 12, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 6053

Re: Just answered telephone political poll. Now concerned.

The last time I got a call to participate in a survey I said sure, how much are you paying. The guy said they didn't pay, why would they? I suggested that without my input they had nothing and asked him if he was doing this for nothing. He of course said no. I told him he was just a clerk taking do...
by Gardener
Mon Aug 29, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup 33 year old Fed
Replies: 14
Views: 1972

Re: Financial Checkup 33 year old Fed

Thank you all. This site has been critical in both developing a clear financial philosophy and a way of executing it. Morik- Thanks again for your time and input. Keystone- Thanks about the comment about contributions from TSP not being subject to MD tax. That is good news. I finally found a link th...
by Gardener
Thu Aug 25, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup 33 year old Fed
Replies: 14
Views: 1972

Re: Financial Checkup

Thank you bdpb

I'm not sure whether TSP/401k contributions are deductable from from state and county tax. When I get the chance, I will look that up.

Agreed about challenge of retiring early on current contributions. I'm hoping that I can increase contributions in the future by earning more.
by Gardener
Thu Aug 25, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup 33 year old Fed
Replies: 14
Views: 1972

Re: Financial Checkup

Thanks Truebluesky. Agreed about rolling over old employer money from Fidelity into TSP for simplicity sake and to invest in the L2040 so that I'm not over tilted in large cap stocks. I am going to do that. We have been maxing out the Roths and my 401k. Wife is considered Highly compensated employee...
by Gardener
Thu Aug 25, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup 33 year old Fed
Replies: 14
Views: 1972

Re: Financial Checkup

Thank you Morik. We very recently grew into the 200k income as I just added about 30k gross income in a side business. I don't think I factored that in fully into my numbers and therefore may have underestimated what we could set aside for retirement in a year going forward. For the last three years...
by Gardener
Wed Aug 24, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup 33 year old Fed
Replies: 14
Views: 1972

Financial Checkup 33 year old Fed

I made my first request for advice way back in November 2012 and received great advice on how to structure my investment accounts. My IPS calls to check in on Bogleheads every other birthday to make sure my finances are on the right track. I haven't been doing this, but will try and discipline mysel...
by Gardener
Wed Aug 17, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 4173

Re: Help. My boss is expecting me to read her mind.

Yellowgirl, I also work for the government (federal). Where I work, I'd have to murder someone to get fired and even then I would probably get to appeal the termination. It's highly improbable that you would get terminated in the government for the 'errors' that you've described. Another thing- it s...
by Gardener
Tue Aug 16, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 2322

Re: okay to leave deposit on vehicle?

Thanks folks. Well I did purchase a vehicle last week. When I called back the dealer and said I would put down a deposit to hold the car, the dealer said ' actually, don't even worry about it'. I think he realized that I was serious and was fairly certain that the car I wanted - a new, but one year ...
by Gardener
Tue Aug 16, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Knowing what you know now...
Replies: 22
Views: 2816

Re: Knowing what you know now...

I am envious of those without regrets. I am 33 now. I'd say that I have 2 major regrets. A major regret of mine is that I passed on a very interesting job opportunity to live closer to family. I let well meaning family talk me out of moving for a job. Now, I am in a job that is secure, but mind numb...
by Gardener
Wed Aug 10, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 2322

Re: okay to leave deposit on vehicle?

Probably not the deal of a lifetime. Just the best deal my mediocre negotiating skills could get me over the last couple weeks. I'd say there is 5% chance of not finalizing the deal. It would have to be extraordinary circumstances though. I told the dealer that I could not get there until late tonig...
by Gardener
Wed Aug 10, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 2322

okay to leave deposit on vehicle?

Okay, so I've negotiated a very good the out the door price of a new vehicle by email on a new 2016 model. Is it wise to leave a deposit on the vehicle ($500) by phone so the car does not get sold before I get down there tonight? For what its worth, it's a large dealer with A- rating on BBB. Thanks
by Gardener
Tue Aug 09, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help with comparison between 2 vehicles
Replies: 7
Views: 744

Re: Help with comparison between 2 vehicles

Thank you- the feedback is much appreciated.

I knew I'd pay a bit of a premium for CPO on only a two year old model car, but still thought I'd save a little more than what dealers were asking for CPO's.

New does seem more sensible in this instance.

Thanks again.
by Gardener
Tue Aug 09, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Help with comparison between 2 vehicles
Replies: 7
Views: 744

Help with comparison between 2 vehicles

I am purchasing this vehicle for my side business https://www.bogleheads.org/forum/viewtopic.php?f=2&t=196265 . Will probably put about 15k miles a year. Which one makes the most sense? Unfortunately I would need to finance either vehicle chosen. Looking 1.5% new /2% used New 2016 Ford Fusion SE...
by Gardener
Thu Jul 28, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: how much to spend on car for business?
Replies: 9
Views: 569

Re: how much to spend on car for business?

Thank you for all of your input. I think it will be more sensible to get the used 2014/2015 models. Why Fusion? I've had two Fusions in the past, a 2010 and a 2014 model. Both served its purpose. As far as the image trying to be conveyed- I am looking for professional, successful, but not flashy. I ...
by Gardener
Thu Jul 28, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: how much to spend on car for business?
Replies: 9
Views: 569

how much to spend on car for business?

Quick question regarding a vehicle purchase for my side business. Quick snapshot of my finances: I have a side business that nets me about $40 - $45k a year. I put on maybe 7500 - 10,000 business miles/yr. Including the side income, my wife and I earn a little over 200k. We owe 11k on her vehicle. M...
by Gardener
Wed Feb 10, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: alleged pharmacist malpractice- does wife need a lawyer?
Replies: 32
Views: 3382

Re: alleged pharmacist malpractice- does wife need a lawyer?

Just want to thank you all for taking the time to respond. I am always amazed at the quality of information/collective wisdom on this site. I'm very appreciative of everyone's input.
by Gardener
Wed Feb 10, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: alleged pharmacist malpractice- does wife need a lawyer?
Replies: 32
Views: 3382

alleged pharmacist malpractice- does wife need a lawyer?

My wife is a retail pharmacist. Her store is being sued for malpractice by a patient's family for a mistake they claim my spouse and a prescribing doctor made a couple of years ago. My wife is not named as a defendant in the law suit. The patient unfortunately passed. The parties being sued are the ...

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