Search found 191 matches

by Gardener
Sun May 27, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8332

Re: Help Buying Mens Shoes for Work and Dating

@jharkin

Envious of those that are long time married. Unfortunately, that was not in the cards for me.
by Gardener
Sun May 27, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8332

Re: Help Buying Mens Shoes for Work and Dating

Op here. I am again very grateful for the quality of responses here. For someone, like myself, that only has a modicum of fashion sense, this is helpful. I don't want to be vain or invest a lot of time in clothes, but I do feel better when I dress sharply. Didn't Shakespeare write vanity is better t...
by Gardener
Sat May 26, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8332

Help Buying Mens Shoes for Work and Dating

Which type/style of shoes would you recommend for me, for the three activities I do below? I recently posted a question about helping in building a wardrobe where I received a lot of good input. Now, I need some advice on selecting shoes. I am wondering if I can get away with one or two nice pairs ...
by Gardener
Sun May 13, 2018 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5388

Re: Advice on building a timeless mens wardrobe?

Original Poster Here. Very grateful for the quality of responses here. I'm going to sit down today and inventory what I have and what I want to add to complete my wardrobe. Amateur question about button down shirts and clothes in general. Do I simply purchase a shirt or whatever article of clothing ...
by Gardener
Sat May 12, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5388

Advice on building a timeless mens wardrobe?

I want to get your advice on building a time less quality men's wardrobe with as few articles of clothing (I'm a bit of a minimalist) as possible for both business and going out after work. It'd be good to just buy some essentials that I can interchange during the week. I'm willing to spend more for...
by Gardener
Thu May 10, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7199

Re: [Golf ball] cracked my house window. Do I have any recourse?

This thread won't get nearly as much traffic now that the title has changed.
by Gardener
Sun May 06, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Correcting an Error? Invested high dividend index fund in taxable account.
Replies: 25
Views: 1816

Re: Correcting an Error? Invested high dividend index fund in taxable account.

Op here.

Thank you all.

I'm going to sleep on it one more night, but I believe that I am going to sell and for now on contribute to the Vanguard total stock market index fund. Thank you.
by Gardener
Sat May 05, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Correcting an Error? Invested high dividend index fund in taxable account.
Replies: 25
Views: 1816

Correcting an Error? Invested high dividend index fund in taxable account.

I max out my 401k(tsp) and roth each year in my tax advantaged space. Over the 6 months or so, I have contributed about $20k into a Vanguard High Dividend fund, in taxable space. The dividends are automatically reinvested. The long term goal was to build enough in a high dividend fund so that I coul...
by Gardener
Sat Apr 21, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2745

Re: How long have you been employed?

I promise you are not missing anything not working in a cubicle.
by Gardener
Sat Apr 07, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2788

Re: !Please Advise on sensible housing for guy going through divorce!

Op here. I appreciate the responses. I want to challenge the idea of getting the traditional one year lease and see what you think. What if my wife decides to move in just 6 months? Then, I would be paying for the home mortgage and stuck with renting as well. An extended stay hotel would give me the...
by Gardener
Sat Apr 07, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2788

Re: !Please Advise on sensible housing for guy going through divorce!

Sorry Bolderboy- that was an error. It's her mother, my mother in law.
by Gardener
Sat Apr 07, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2788

!Please Advise on sensible housing for guy going through divorce!

I am going through a divorce and have a very young child. The complicating factor is that wife is considering moving from the east coast where we currently live to the west coast, where she lived before. The idea was that she would take our child so many months of the year, and then I would take the...
by Gardener
Sat Mar 10, 2018 6:32 am
Forum: Personal Finance (Not Investing)
Topic: What is the most cost effective professionals/books to read to get through divorce process?
Replies: 4
Views: 588

What is the most cost effective professionals/books to read to get through divorce process?

Wife and I are divorcing with one very young child between us. We live in MD. Believe it or not, we get along well, but there is zero chance of reconciliation. Given, that both parties are agreeable, and I believe we can come to an agreement on the major items of divorce (finances and child custody)...
by Gardener
Sat Jan 06, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 5498

Re: Splitting Assets in Divorce

Thank you everyone.

Are there any good books to read on this topic?

I suppose that I am looking for somewhat of a step by step plan to navigate through this as smoothly and inexpensively as possible.

Thanks
by Gardener
Sat Jan 06, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 5498

Re: Splitting Assets in Divorce

1) This one is easy. Section 408(d)(6) of the Internal Revenue Code says that the transfer of an individual's interest in an IRA to a spouse or former spouse is not a 'taxable transfer. A QDRO is used to transfer retirement or pension assets. So, whatever decision is made, the retirement account as...
by Gardener
Sat Jan 06, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 5498

Splitting Assets in Divorce

Quick background: Wife and I have decided to divorce. We have one very young child together. Child would probably see mom/me 60/40 respectively. Wife earns ~125k I earn ~100k Assets: Primary Home Equity: ~200k (Valued at ~400k, Mortgage Balance ~200k) Condo Equity (different state): ~0k (Valued at ~...
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: 1855

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: 1855

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: 1855

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: 1855

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: 1855

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: 1855

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: 534

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: 534

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: 534

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: 2312

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: 2312

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: 2312

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: 1213

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: 2604

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: 2604

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: 2604

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: 2464

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: 2464

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: 2464

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: 2464

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: 2464

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: 2464

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: 9084

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: 4879

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: 4879

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: 7517

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: 7517

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: 7517

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: 9776

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: 1128

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: 1128

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: 1128

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...