Search found 132 matches

by Gardener
Tue Sep 20, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 2657

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: 5217

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: 1678

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: 1678

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: 1678

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: 1678

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: 1678

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: 3508

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: 1880

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: 2534

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: 1880

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: 1880

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: 653

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: 653

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: 479

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: 479

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: 3107

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: 3107

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: 2320

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: 2320

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: 2320

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: 2320

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: 2320

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: 2320

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: 1566

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: 1566

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: 1566

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: 1519

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: 1519

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: 1089

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: 1089

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: 1179

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: 1179

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: 990

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: 990

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: 597

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: 597

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: 8250

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: 1838

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.

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