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Re: Guns for hunting/defense

Just started looking at some as I'm looking to hunt in the fall. Currently looking at but have yet to purchase: 20 gauge mossberg 500 20 gauge remington 870 Probably looking for a combo so I can hunt pheasent and deer (at the very least shot is much cheaper then slugs). Any ideas on what would be a ...
by Andyrunner
Tue Feb 24, 2015 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 131
Views: 6984

Re: How much did you have saved up for retirement at age 30?

I strongly regret making this thread. I appear to be way behind most here. Age 28 currently, only $38k (soon to be $43k once I throw my bonus post-tax in there). Plus, you'll likely get married one day and that can certainly add to it. Unless your wife doesn't work, preferring to raise children ins...
by Andyrunner
Tue Feb 24, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12178

Re: Cross Country Ski Gear Tips/Destinations

Race the Birki in Hayward Wisconsin.
by Andyrunner
Mon Feb 23, 2015 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1050

Re: Who's going to Disney this summer?

Sucked into paying the mouse-tax eh? Remember you can bring your own food into the parks. We are going in a few weeks for my brothers wedding. I can't believe the prices. My parents are part of their vacation club program and only live 2 hours away. As much as my wife and I hate disney, we are going...
by Andyrunner
Mon Feb 23, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 49
Views: 2915

Re: Prom budget for teenage girl?

I have an 18 month old daughter. I better start saving now!!! By the time my kid goes to prom it will cost the same as a wedding.

A lot has changed since I went to prom and that was only in 2003.
by Andyrunner
Fri Feb 20, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 4649

Re: Why do companies match 401K contributions?

My company recently added a 401k match. They did this because they redid the pension calculation, so it put less burden on the company but still kept the employee happy with a new match.
by Andyrunner
Fri Feb 20, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4308

Re: Dealing with Contractors

Thanks everyone. Fall was 10 feet and she landed head first, thank god she is ok with no long term damage. It just is an overlook to the front door and chandelier, so no stairs, but right next to the stairs. I highly considered just replacing it with a wall or half wall, but contractor said dependin...
by Andyrunner
Fri Feb 13, 2015 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 687

Re: Dealing with Contractors

This is the struggle, emotionally I want it done yesterday. Price is almost meaningless to me at this point. I do hear its hard for them to come out for a bid and it actually does sound like this guy is working on pulling together a bid and I want to give him a chance. This is where honesty and loya...
by Andyrunner
Fri Feb 13, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 687

Dealing with Contractors

First off I have to say I hate dealing with contractors because of my lack of experience on working with them. Backstory: My toddler had a recent accident where one of the spindles on our railing broke off and she fell down with the spindle to our first floor. She should be making a full recovery so...
by Andyrunner
Fri Feb 13, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 687

Re: Where to buy nice men's dress shirts?

I wear a lot of Lands End. Need to get them when they are on sale for good prices though. I hate how they do 30-40% off.
Brooks Brothers is good, but I'm cheap and hate paying $60-$90 for a shirt.
Charles Tyrwhitt I hear is awsome and I'm going to try them when my current selection wears out.
by Andyrunner
Wed Feb 11, 2015 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6113

Re: Unhappy With Job Raise

Don't take this the wrong way (I felt the same way one year in the real world), but enjoy the 3% raise, its pretty good these days. Unfortunatly even after one year experience and taking on more workload, you still havn't earned enough knotches in your belt to get a bigger raise. Your still at the p...
by Andyrunner
Fri Feb 06, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7614

Re: Should I ask for a raise? If so, how?

I'm not so sure on the powerpoint. If I was a manager and somone did that to me, Id be a bit annoyed, but everything varies company to company, manager to manager. Do you have an annual review coming up? Or one-on-one? This might be best time to discuss this instead of scheduling a specific meeting....
by Andyrunner
Wed Jan 21, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a raise? If so, how?
Replies: 11
Views: 1120

Re: What age did you pay off your "forever" home

We bought our what we expect to be out forever home at age 30 (about a year ago). At our current rate, our goal is to pay it off in 10 years. We have a young child and want one more. The one more might push it out a few years, but I'm hoping to pay it off in 15 max. We could put more into tax deferr...
by Andyrunner
Wed Jan 21, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4179

Re: Parents spending on grandkids

Thank you everyone. I figured issue 1 was non of my business. Plan was to leave it that way. Issue 2 with spoiling the grandkid, Ill have to see how a 2nd grandkid effects this (non baking in the belly that I know of), but boy do they spoil the kid. I really think its because they never had a daught...
by Andyrunner
Wed Jan 14, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1885

Parents spending on grandkids

So this is kind of a two tiered topic. I have two retired parents who live far away from us (3hr plane ride). They retired well several years ago, NY teachers with a good pension plan and a well funded 403b plan who retired down south. They are currently in the go-go phase of retirement and spend mo...
by Andyrunner
Wed Jan 14, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1885

Re: Is this an unreasonable quote for interior home painting

For a place that size, shouldnt cost you more then a few phone calls to friends, some beer and pizza.
by Andyrunner
Wed Jan 14, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4406

Re: Can we afford to buy a home?

Another thing to look at is how long do you plan to live in your current area? Is this the city you plan to live in for a long time? I have seen several friends in their mid 20's buy homes then switch jobs and move an hour away or across the country. After owning a home for only a few years and tryi...
by Andyrunner
Wed Jan 07, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3339

Re: Start a Roth IRA for Grandson

If he is using your tools to do the chores and you tell him when to do the chores and how you like them done the IRS will probably view him as an employee and not a contractor. :happy Another option is to just put the money into a 529 for him. It would obviously be for different purposes, but still ...
by Andyrunner
Tue Jan 06, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2141

Re: Appalachian Trail thru-hike in retirement?

Wife and I have spoke about doing this. Problem is we are still in our early 30's and our employer doesnt give us more then a 1 week vacation at at time. So unless we win the lottery (0% chance as we dont play) we will have to wait about 20 years. I just hope the trail is still around by then and ou...
by Andyrunner
Wed Dec 31, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4380

Re: Do any other men here regulalry use skin care products?

I have really oily skin. Its kind of scary looking at my pillowcase, you would have thought I cooked some bacon on it. I use some creams/wash to treat acne (result of oily skin, even at 30). It works but not perfect.

Winters also chap my skin and lips, so I use moisterizer.
by Andyrunner
Mon Dec 29, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3628

Re: Do you usually order beverage at restaurants?

I will order soda and the wife will order water. We drink out of each of our cups. I dont need a whole 16-24oz of soda.
by Andyrunner
Mon Dec 29, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7682

Re: Runners, Triathletes, Cyclists,...

Endurance racing is not for the faint of heart. He has told me stories of severe cramps, bloody diarrhea, kidney failure, vomiting, broken bones, pneumothorax, and lighting strikes. Some of the more organized races make you weigh in and take blood tests at aid stations to prevent this. But I draw t...
by Andyrunner
Sat Dec 27, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2063

Re: Runners, Triathletes, Cyclists,...

I have several friends who do ultras, mostly 50-100 miles. I personally don't do them. Too long and slow for me. Plus the training would piss off my wife too much. My friends who train mostly get 50-70 min runs in the week and on the weekend try to get two good long runs. Usually a 2hr run then a 4 ...
by Andyrunner
Sat Dec 27, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2063

Re: What doyou splurge on?

I'm definitely in contention for the single most frugal person on this board, but we splurge on athletic shoes and exercise equipment. My wife and I have between us about 20 pairs of good (purchased within the last 2yrs) athletic shoes; when I find a deal I generally get several pairs. Most of them...
by Andyrunner
Thu Dec 18, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24684

Re: Don't Peek

I thought this thread was about hiding Christmas presents....

I peek about once a month or so to make sure I am not maxing out of my 401k in October or November.
by Andyrunner
Thu Dec 11, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3972

Re: Why did you quit your job?

Left my first job out of college after 4 years. Dead end job at a big megacorp. I think that dept had ~30% turnover a year (most people were under the age of 25). I did the same tasks each month and it was very boring. It didn't help that each year the company said no bonuses or raises because of ha...
by Andyrunner
Thu Dec 11, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4530

Re: mortgage calculator with extra payment options

If you understand Microsoft Excel there is an easy template you can use. I think its under templates -> projects -> Project calculators -> loan calculator with extra payments.
by Andyrunner
Tue Dec 02, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: mortgage calculator with extra payment options
Replies: 17
Views: 1531

Re: High quality winter sock

IMO smartwool has dropped in quality over the years and the price has gone through the roof ($17 for a pair of socks? Really?). REI and Costco socks are good. Also if you can get socks on sierra trading post, steepncheap, for good prices.
by Andyrunner
Mon Dec 01, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: High quality winter sock
Replies: 35
Views: 2325

Re: Physician Assistant - Employee or Independent Contractor

It sounds like a locum contract, in which case you would be a contractor, but Im no labor expert. Assuming the practice is doing it right they cleared it with their labor lawyer. It doesn't hurt to ask the question if they did the test and verified this (you would argue that you looking out for them...
by Andyrunner
Wed Nov 26, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2648

Re: Poll: How much $ for childcare?

As other people said a lot depends on location.

I pay 200 a week for in-home. Daycare centers charge 400-450 (thats not including extra activities like music classes etc). If you go 10 miles outside of town to a smaller town daycare will be about 100-150 bucks per week.
by Andyrunner
Thu Nov 20, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much $ for childcare?
Replies: 20
Views: 2572

Re: Winter Coat

Patogonia makes good stuff. I love my Eddie Bauer down coat (its cheaper then Patogonia). Anything with goose down is good, go for 600-880 fill.
by Andyrunner
Fri Nov 14, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7860

Re: Not qualified for my job - what to do?

Its always a challenge starting a new job and not knowing anything. I am currently in HR, I came from finance, I was used to monthly tasks and knowing accounting rules. Now I am in a project management role and learning new employment rules, info all the time. The first year was hell, I feel better ...
by Andyrunner
Fri Nov 14, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5518

Re: Consider freezing your credit

On the credit monitoring subject. Some credit monitoring companies have a service that will help you go through the process of freezing credit, filing police reports and going through the steps of it all. I don't know how much in detail they work but there are definatly better credit monitoring coma...
by Andyrunner
Thu Nov 13, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5244

Re: Reliable mid size car

Based on how the snow was this morning we are considering a new Legacy or Impreza for the wife. Not sure where you live but the AWD is a big plus in snowy weather.
by Andyrunner
Tue Nov 11, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Reliable mid size car
Replies: 23
Views: 2875

Re: New appliances - Stainless Steel or not?

Friend of mine got the GE Slate appliances. Im sure they were costly but hey look much nicer then the stainless steel. Also I dont know how they look overtime as they are less then 6 months old.
by Andyrunner
Wed Oct 29, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3912

Re: Men's Personal Hygiene Products

I just use the Target brand Up&Up products. Seem to do the job. (Wife or any female co-workers have yet to complain)
by Andyrunner
Wed Oct 29, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3227

Re: Buying First Home Opinions

We were in your position last year with our 2nd house. We ended up with a 30 year and put an extra payment a month to principle. It doesnt completely offset the amount of interest but its a bit of a relief in case something happens (such as child #2) and we can scale back. If you decide to have kids...
by Andyrunner
Mon Oct 27, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Opinions
Replies: 17
Views: 1709

Re: iPad Air 2 - 16 or 64 Gig?

Spoke to a friend who is in IT last night. He pretty much said Apple only makes the 16 gig so they can advertise the price. He he can only put one movie on the ipad at a time. I was looking at getting an ipad specifically for facetime with parents/grand daughter, but longer term downloading movies f...
by Andyrunner
Wed Oct 22, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3664

Re: How do you wash your car?

When mother nature decides (rain)

If it gets really dirty because of driving on gravel roads or something like that I will express care wash it.
by Andyrunner
Mon Oct 20, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8158

Re: Mega bus vacation with toddlers.

I do not look forward to 2hr drives with my 14 month old. I can't imagine being on a bus that long with a toddler. Bad idea, very bad idea.
by Andyrunner
Fri Oct 17, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2151

Re: How would one negotiate with daycare?

Lets clarify to help the original poster and not derail the topic. This is also the standard terms (at least in my region of the country) when it comes to the business of daycare. Center: Commerical property, building where employees watch the kids In-Home: Residential property in which the business...
by Andyrunner
Fri Oct 17, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3307

Re: Fraud charges on CC again...

Thanks for all the responses.

As someone pointed out, I dont think cc companies take it seriously. I mean they overnight me a new credit card, which is very expensive! Its really pennies to them.
by Andyrunner
Fri Oct 17, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1640

Re: Fraud charges on CC again...

Yes, Chase called me, text, me emailed me, sent me a carrier pigion etc great from that point of service.

I will have to look into this EMV chip. If its better why dont they do it for everyone?
by Andyrunner
Thu Oct 16, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1640

Re: How did you get from $1M to $10M

When I hit $1 mil I will probably cut back on the job and enjoy time with my kid. I have no desire for $10mil.

I assume most people agree to this.
by Andyrunner
Thu Oct 16, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4239

Fraud charges on CC again...

So I have a chase credit card. Last month I had to get it replaced because someone used it to buy something at a department store in NYC (I live in the midwest). Today someone down south tried to use my new credit card at Sears. Credit card company caught it again but wow, whats the deal? Any tips I...
by Andyrunner
Thu Oct 16, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1640

Re: How would one negotiate with daycare?

What type of accreditations? I think accreditation varies by state, but my daycare lady has to go to conferences, take CE credits, licensing through the county (county can come in at random to check up on them), CPR, be certified for preventing SIDS, etc. Most are also on a food program so they are ...
by Andyrunner
Wed Oct 15, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3307

Re: How would one negotiate with daycare?

As for in-home care, we did tried to explore the options, but it was a pain to do it legally. I like to know how others have handle in-home. Paul Legally, I'm not aware of any issues with in-home care. They are self-employed and handle all their own taxes. My providers have had their own tax IDs an...
by Andyrunner
Wed Oct 15, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3307

Re: How would one negotiate with daycare?

It's not clear to me why you want a discount from a place that hasn't opened yet. You're not paying them yet, are you? In areas where daycare is in high demand, many people have to pay a one-time, weekly or monthly fee to hold their spot, even if its an in-home daycare. Somtimes its a small fee oth...
by Andyrunner
Mon Oct 13, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3307

Re: Should I (physician) get an MBA?

I would focus on getting a management position first (dept head, supervisor, etc). Then look at the MBA and see what your organization wants. I think many organizations feel once you have the management background you can be an administrator and no futher education is needed. Some orgainzations wont...
by Andyrunner
Thu Oct 02, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3989

Re: Those under 35 with a child 5 or under: Costs of child?

It could have been interesting if the OP asked people to list savings from having a child too. Now that I'm a parent, I rarely go to nice restaurants and never go out to bars. I don't travel as much or do my expensive hobbies as much. I do miss those things, but there's a whole new list of things t...
by Andyrunner
Tue Sep 30, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4961
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