Search found 114 matches

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: 3365

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: 1784

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: 2417

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: 1784

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: 1784

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: 607

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: 607

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: 435

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: 435

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: 3075

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: 3075

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 ...
by Gardener
Tue Oct 20, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Challenging career decision
Replies: 14
Views: 2287

Re: Challenging career decision

Thank you all folks. I ended up declining agency B largely based on my wife's influence. Two things she brought up that swayed me. One, she does not like the idea of me being away for 2.5 months overseas for agency B (which was the big draw for me). Two, she thinks the commute for agency B (one hour...
by Gardener
Sun Oct 18, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging career decision
Replies: 14
Views: 2287

Re: Challenging career decision

Thanks again Research Med for your input. Spoke again with my wife. She reminded me that I was quite unhappy a lot of the time with the work as a government contractor for Agency B. Her opinion is that she thinks it would be best for me to stay at Agency A and continue to do my free lance work on th...
by Gardener
Sat Oct 17, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging career decision
Replies: 14
Views: 2287

Re: Challenging career decision

Thanks ResearchMed. My wife does not currently work from home. We are trying to have kids now. My mother-in-law is going to retire soon and then move into our guest home. My mother in law is in great health and she should help tremendously in my absence, when we do have children. Additionally, my pa...
by Gardener
Sat Oct 17, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging career decision
Replies: 14
Views: 2287

Re: Challenging career decision

Thanks Jeff P. That is a fair point. I don't know how practical it is to have my wife accompany me on these trips or even worth her spending leave on when I would be only off during evenings and weekends while overseas. I've discussed this with my wife and she is on board with A or B. She is okay wi...
by Gardener
Sat Oct 17, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Challenging career decision
Replies: 14
Views: 2287

Re: Challenging career decision

Thank you both for responding. Research Med, I appreciate the questions and your input. To answer your questions (which is extremely helpful for me to work through) I am 32 years old. A's mission, if I am being honest with myself, is one that I do not fully support. It's one that probably does some ...
by Gardener
Sat Oct 17, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Challenging career decision
Replies: 14
Views: 2287

Challenging career decision

I am hoping to get some input on an excruciating career decision. I am currently working for Government Agency A, but am considering moving to Government Agency B for the reasons listed below. Below is an analysis of Agency A and Agency B and even listed cliff notes as a courtesy for those boglehead...
by Gardener
Sat Apr 11, 2015 9:46 am
Forum: Personal Finance (Not Investing)
Topic: HR error- Highly compensated employee status
Replies: 11
Views: 1537

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: 1537

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: 1537

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: 1483

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: 1483

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: 1064

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: 1064

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: 1165

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: 1165

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: 966

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: 966

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: 580

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: 580

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: 44
Views: 8172

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: 1813

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: 44
Views: 8172

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: 1813

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: 2009

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: 2009

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: 2731

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: 964

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: 964

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: 964

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: 3413

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: 3413

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: 3413

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: 2000

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: 2000

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: 2000

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: 1144

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: 1144

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: 1144

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: 824

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!

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