Search found 143 matches

by Gardener
Thu Dec 08, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Remote Auto Start for truck
Replies: 8
Views: 557

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: 8
Views: 557

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: 1773

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: 1773

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: 1773

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: 1773

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: 1773

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: 1773

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: 1773

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: 2212

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: 2212

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: 2212

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 3086

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: 5452

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: 1753

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: 1753

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: 1753

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: 1753

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: 1753

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: 3795

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: 1993

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: 2630

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: 1993

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: 1993

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: 680

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: 680

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: 509

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: 509

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: 3177

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: 3177

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: 2344

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: 2344

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: 2344

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: 2344

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: 2344

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: 2344

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: 1600

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: 1600

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: 1600

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...

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