Search found 173 matches

by Gardener
Wed Nov 22, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1428

Re: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer

Thanks Celia. Helpful advice. I am a low tech person and just remembered that the pictures that I took at the scene have the time stamps which give a more precise time of when the accident occurred.
by Gardener
Tue Nov 21, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1428

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

Op here- Thanks folks. Had previously been spinning my wheels (no pun intended) for too long. I'll call my insurer and file the claim. I'll ask them if it would be wise to call and file a police report at this point. Fortunately, I've kept good notes of everything (save for not having the VIN, make,...
by Gardener
Tue Nov 21, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1428

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

Also, I don't understand why his insurance company can't identify the VIN, make and model, as I have and provided the information for these tags.
by Gardener
Tue Nov 21, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1428

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

Thanks Jack. I took a picture of the plates and his license and his insurance card. I'll call to file a police report.
by Gardener
Tue Nov 21, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1428

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

Thanks DM. My hesitancy to file with Geico is that wouldn't this make my insurance rate go up, even though I was not at fault? And also, I suppose I'm reluctant to dish out $1k for the repair. Maybe I'm wrong, but after I pay the deductible, I'm thinking Geico (my insurer) might have less of an ince...
by Gardener
Tue Nov 21, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1428

OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer

OP UPDATE 11/22/2017 After receiving advice here, I contacted the police department in the jurisdiction that it occurred. The police officer indicated that there would be no benefit to filing a police report. In MD, police reports are only made in accidents where there is a medical injury. When poli...
by Gardener
Sun Nov 19, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 404

Re: Invest using my State's college plan or Another?

Thanks Livesimple. I'll take a look at vanguard college plan. It looks like they use Nevada 529, and perhaps this will be sufficient for us. I have accounts with fidelity and vanguard and am happy with vanguard, but even more so with fidelity.
by Gardener
Sun Nov 19, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 404

Re: Invest using my State's college plan or Another?

Thanks Aristotelian. I'll double check, but I'm pretty sure t Rowe price did not offer a s and p 500 index with a low er, otherwise We'd be all over it.
by Gardener
Sun Nov 19, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 404

Invest using my State's college plan or Another?

Daughter is 8 months old and wife and I are looking to start investing in her college fund... The state I reside in is MD and they use T.Rowe Price. Compared to what other state college investment 529 offer, the fund options are not great. I'd be looking at a target date fund with an expense ratio o...
by Gardener
Tue Oct 31, 2017 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Paying for babie's future college
Replies: 23
Views: 1987

Re: Paying for babie's future college

Edited to Add

We are also maxing out Roths 11k (5.5+5.5k). Our AGI still allows us to do this
by Gardener
Sun Oct 29, 2017 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Paying for babie's future college
Replies: 23
Views: 1987

Re: Paying for babie's future college

OP here and thank you for the input. Question One more question. So, if I invest in the 529 and my daughter for whatever reason does not use a penny of it, can I make withdrawals out of the 529 for say me and my wife's living expenses? Would it then just be taxed at whatever rate we happen to be at ...
by Gardener
Sat Oct 28, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Paying for babie's future college
Replies: 23
Views: 1987

Paying for babie's future college

I am looking to gain some clarity in deciding how to go about saving for daughter's college. Your advice is appreciated. Quick relevant facts: Ages wife and I- Early 30's Gross Income- ~200k Retirement Savings in Roth and 401k- ~330k Retirement Contributions: Max out my 401k (wife limited to only 4k...
by Gardener
Sat Jul 29, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Time/Cost efficient way to clear facial skin?
Replies: 6
Views: 1101

Time/Cost efficient way to clear facial skin?

I am a 34 year old man and perhaps a bit vain. I spend a good deal of time outdoors. What is the most time/cost efficient way to get clear, toned skin on your face? Doing a google search yields a lot of inconclusive results. It seems like very little is proven in this area. Nutrition? Face washing h...
by Gardener
Sun Jun 11, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 2155

Re: Installing Fencing to keep predators away from chickens?

After reading over the replies, decided to buy this:

Electric Fence
Premiere Poultry Net 12 inch x 48 inch high x 164' of netting (portable)
Adapter
Total price: ~$399

Thanks for all of the help
by Gardener
Sun Jun 11, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 2155

Re: Installing Fencing to keep predators away from chickens?

Wow- pleasantly surprised at the number of folks that have experience in this area. Thanks for all of the input. To respond to some of the questions- I have 8 chickens now, and that amount will be growing as we have a rooster. 3 are babies. Raised chickens for 4-5 years and let them free range when ...
by Gardener
Wed Jun 07, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 2155

Installing Fencing to keep predators away from chickens?

This might be a long shot as this is a question germane to rural property/farming. I have 3 acres of property in the country. I have chickens, but would like to fence in a space for them (maybe 1000 square feet of area), 6 feet high fencing and fence or net(?) the top as well to keep out hawks from ...
by Gardener
Tue May 30, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 2216

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

How about MIL sells the condo, and for one week a quarter you can use a hotel or VRBO? Seems cheaper and simpler. Who gets sentimental about a condo, they are a dime a dozen out there? Very fair point. And wife and I even considered just renting it out. We are keeping it because we absolutely love ...
by Gardener
Tue May 30, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 2216

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

EATaxGuy To clarify, you mean refinancing in her name, not ours, correct? Given what has been said thus far, refinancing may make a lot of sense. There may be some challenge in getting a lender to approve on such a small mortgage balance ($40k, sorry to add this detail later in the post!), but proba...
by Gardener
Tue May 30, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 2216

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

Thank you EATaxGuy and Rupert. Your points are well taken. Thinking out loud, and please feel free to point any fallacies in my line of thinking... 1. I don't believe we'd ever sell the condo, but of course, the future is largely unknowable, and so (avoiding) capital gain taxes on the sale of the co...
by Gardener
Tue May 30, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 2216

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

OP posting... Rupert, I looked it up, but am still a bit ignorant on stepped up tax basis. Wouldn't stepped up tax basis be an issue whether or not mother in law transferred property to us now or upon her death? The compelling reason to have the deed transferred (if that is the way to do it) to us n...
by Gardener
Tue May 30, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 2216

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

OP here. 1. EATaxGuy- are the two points you made state specific or apply to anyone in the U.S? 2. So, we could dodge the first tax bullet by her requesting a lifetime exemption (and using a tax professional). 3. How do they quantify/qualify living in a house for two years? Would vacationing in the ...
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: 21
Views: 2216

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? Additional Details for Clarity Condo Market Value: ~80k Condo Mor...
by Gardener
Sun Apr 23, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8298

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: 3627

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: 3627

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: 37
Views: 6187

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: 37
Views: 6187

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: 37
Views: 6187

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: 9310

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: 1030

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: 1030

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: 1030

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: 2134

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: 2134

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: 2134

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: 2134

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: 2134

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: 2134

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: 2134

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: 2971

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: 2971

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: 2971

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: 4383

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: 4383

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: 4383

Re: Advice on snowblower

PlagueOnWheels wrote: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 ... t/50324133


Good call. This meets all of my criteria and has great reviews. I also forgot to add that I get 10% off from lowes and HD.
by Gardener
Mon Sep 19, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 4383

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: 4383

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: 4383

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: 4383

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: 4383

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.