Search found 105 matches

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: 2881

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: 2881

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: 2176

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: 2176

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: 2176

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: 2176

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: 2176

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: 2176

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: 1479

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: 1479

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: 1479

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: 1363

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: 1363

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: 987

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: 987

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: 1125

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: 1125

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: 918

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: 918

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: 535

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: 535

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: 41
Views: 6867

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: 1721

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: 41
Views: 6867

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: 1721

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: 1931

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: 1931

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: 2616

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: 924

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: 924

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: 924

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: 3153

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: 3153

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: 3153

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: 1919

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: 1919

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: 1919

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: 1063

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: 1063

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: 1063

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: 779

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!
by Gardener
Thu Mar 06, 2014 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ultraviolet light to treat house water?
Replies: 4
Views: 779

Ultraviolet light to treat house water?

This might be a long shot.. Does anyone have any experience with using ultraviolet (uv) light to treat their house water? I live in the country and recently found out that our water has bacteria in amounts that exeeds our counties safety standards. Have received two estimates on how to treat the wat...
by Gardener
Mon Dec 16, 2013 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 2336

Re: Deferred Compensation Plan

Op here. Thank you everyone for helping to break this down for me. Couple of quick clarifications: Reading through the Summary of Plan Provisions, I see that if employment is terminated before normal retirement age, account is paid in a single lump sum, regardless of our payment elections. Regarding...
by Gardener
Sun Dec 15, 2013 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 27
Views: 2336

Deferred Compensation Plan

My wife has recently been offered the option to participate and contribute to her employer's non qualified Deferred Compensation plan. Would this make sense to do even though it is very possible that my wife will not be working here at retirement age? Second, would we get hit with the 10% early with...
by Gardener
Sat Dec 07, 2013 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 936

Re: Highly compensated employee and deferral limits??

Texas hold em71 wrote:It sounds to me like your wife's company won't let her put in more than 4 percent. I would ask HR to be sure.
.


Crap- this is what I am thinking as well. Will verify this well.

Thanks for the explanation about the reasoning behind HCE maximum limits. Had no idea.
by Gardener
Sat Dec 07, 2013 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 936

Re: Highly compensated employee and deferral limits??

[/quote]Your wife should check the plan summary to see if the 20% rule has been adopted by the plan. If she is one of the top 20% she will be notified that her contribution is limited to 4%.[/quote] Thanks for the above manwithnoname (I assume that isn't your real name?) Will check into the plan sum...
by Gardener
Sat Dec 07, 2013 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 936

Re: Highly compensated employee and deferral limits??

furwut wrote:
Your wife is limited to contributing, over the course of a year, the lessor of 4% of her income or $17,500.
k.


This was my understanding as well, but wanted to make sure. Thank you for confirming this.
by Gardener
Sat Dec 07, 2013 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 936

Re: Highly compensated employee and deferral limits??

I have been a HCE for a long time and have contributed more than 4 percent for all of that time. In some years, our plan has failed the discrimination testing (lower earning employees did not contribute enough) and some of my contribution was returned to me and taxed. Usually no more than a few hun...
by Gardener
Sat Dec 07, 2013 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Highly compensated employee and deferral limits??
Replies: 8
Views: 936

Highly compensated employee and deferral limits??

I was hoping to see if anyone might be able to better clarify or explain IRS maximum deferral limits in a 401k on highly compensated employees. I'm not so sure that I understand what the IRS and my wife's 401k are saying... Heres my question. Given the below italicized information I found on her 401...

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