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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: 234
Views: 20461

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: 3884

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: 4240

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: 1473

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: 2193

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: 2476

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: 2147

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: 51
Views: 5093

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: 5098

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: 4602

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: 2789

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: 3532

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: 3136

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: 1557

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: 3337

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: 7403

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: 2106

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: 3273

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: 1608

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: 1608

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: 4151

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: 1608

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: 3273

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: 3273

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: 3273

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: 3773

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: 4722

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

Its impossible to get a good answer. I spend 200 a week on daycare but if you go into other cities it can be 400 a week also the type of daycare a Montossori program costs more then an inhome place. Food, well that depends how old is the kid (infants take baby food, toddlers take part of your cooked...
by Andyrunner
Tue Sep 30, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4722

Re: favorite brand name products

Allen Edmonds shoes Charles tyrwhitt button down shirts Hmmm thought there would be more, probably can't think of em +1 for Allen Edmonds shoes. I actually consider these an investment because of the quality/durability. I have a pair of Park Avenue's that after a clean and polish, look nearly as go...
by Andyrunner
Mon Sep 29, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3228

Re: Anyone know anything about diamond rings?

Go to a local jewler and they will walk you through everything. Most of the specs no one will notice the difference. No one can see the difference between a medium quality diamond vs a high quality diamond unless your a professional with a microscope. Generally you need to take the ring back in for ...
by Andyrunner
Mon Sep 22, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 2078

Re: We have a grocery problem...

Family of 3, spend about $100 a week at most. Few steps I can see right away 1) bring lunch. My wife and I eat a PP&J, yogert, fruit, granola bar. Sometimes its leftovers but mostly this lunch for about 6 years. 2) coffee, buy a nice mug for coffee. I have a MoJo Mug that keeps the coffee hot fo...
by Andyrunner
Fri Sep 19, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11396

Re: Business Opportunity - Thoughts

Sounds like he is a recruiter for a local firm. Answers my question!
by Andyrunner
Fri Sep 19, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 466

Business Opportunity - Thoughts

So a linkedin connection reached out to me the other day on a business opportunity within financial services.I spoke to him several years ago about the business as he worked in a managerial role for investments. Now it looks like he is starting his own business. Two issues: 1) I currently have a job...
by Andyrunner
Fri Sep 19, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 466

Re: Should I buy another fridge or freezer? Or neither?

I have a deep freeze. It works great for large items from costco, also my in-laws have a huge garden and usually give us 100-150 tomatos a season, we blanch them and freeze them to make chili in the winter.

Freezer makes more sense.
by Andyrunner
Thu Sep 18, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1069

Re: New Laptop, need help

Thanks everyone. Looking at the Dell website. I get a company discount which is nice.
by Andyrunner
Mon Sep 15, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2310

Re: New Laptop, need help

Thank you for the replys so far. We do have Windows XP, so Id say we are due for an upgrade. We don't need a ton of memory or speed, so go with a fairly lower end Dell? What are the better quality brands these days? Dell, HP, Lenovo?
by Andyrunner
Mon Sep 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2310

New Laptop, need help

My current laptop of 5 years just gave me the blue screen of death. We were expecting this day to come so we are in the market for a new laptop. Neither my wife or I are tech savvy and really dont know what to look at when it comes to computers. We would basically use this computer for word/excel, i...
by Andyrunner
Mon Sep 15, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2310

Re: MD/MBA Investing Opportunities

As an MD/MBA and a healthcare executive, I can assure you there are opportunities in management within healthcare for MD/MBAs 8-) . However, those tracks begin with clinical excellence and responsibilities shift from medicine to management as you advance. There are opportunities in the investment w...
by Andyrunner
Wed Sep 10, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: MD/MBA Investing Opportunities
Replies: 23
Views: 2624

Re: Anyone moved from NY?

I left LI for a job in the midwest, but I was right out of college. A bit more related to your situation: my parents recently left LI when they retired. They couldn't justify such a big house with 12k in taxes (lived in suffolk county). They moved down to Florida and downsized the home. I think ther...
by Andyrunner
Wed Sep 10, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 3141

Re: A 'really good book' you did NOT enjoy

The Millionaire Next Door -- Frugality if fine, but the book promotes it at the expense of class, as in "classy." Victoria I loved The Millionaire Next Door but of course I am a super cheapskate. I loved it too. Author, Quentin Crisp, made a tangential support of frugality in his book: &q...
by Andyrunner
Mon Sep 08, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12182

Re: How much life insurance do I need?

Does either of your employers offer employer paid life insurance? Usually this is a percentage of your salary.
by Andyrunner
Wed Sep 03, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1782

Re: Daycare not opening issue

Simular issue...but not really. We had an inhome daycare and the lady gave us a two week notice she was closing (she lied and kicked us out, basically didnt want an infant with spitup issues) We scambled to find daycare and eventually had an opening with my wifes sisters daycare. Only issue is it wa...
by Andyrunner
Wed Sep 03, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Daycare not opening issue
Replies: 9
Views: 1548

Re: Where can I get a job like this?

Not sure how you could possibly work while having toddlers around. I can barely get dinner cooked with my 1 year old when my wife works the evening shift. Unfortunatly, I think your in the situation where you need to look at cutting expenses rather than increasing your income. Unless your willing to...
by Andyrunner
Fri Aug 29, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3799

Re: How do you usually pay for something under $5?

Depends, big store like walmart or target, credit card. Small business where they probably lose money on a credit card swipe due to fees, I pay cash. Try to support the small guy.

edit to add: If its a small business, no matter what the price I try to pay cash.
by Andyrunner
Wed Aug 27, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1386

Re: Best way to refinish a garage floor

I'm thinking of putting something like this in my unfinished basement for my toddler. Better then hitting their head on hard cement. 100lbs for a 4x6 mat is going to be challenging to haul down there.

http://www.tractorsupply.com/en/store/r ... -ft-x-6-ft
by Andyrunner
Wed Aug 27, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1604

Re: Zegna Suits

I just went to a wedding where the groom made all of hte guys buy Brooks Brothers suits, shirts and bow ties. They looked good, but no way would I expect my party to drop that kind of money, whether they wear suits for work or not. Also on another note, my neighbor owns a suit store in town (private...
by Andyrunner
Mon Aug 25, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 10419

Re: How much do you plan to save in your 529 plan?

Here is my approach. I invest only $300 a month into my 1 year old daughters 529, plus any gift money from family. Both my wife and I max out our 403bs and we have a strong pension so we should be good for retirement (so far). My plan is to replace my mortgage payments (which will be done in 10-15 y...
by Andyrunner
Mon Aug 18, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7177

Re: That sudden moment when Money is not a Problem

Wife is 31 and I will be 30 in three months. I'm hoping in 10 years we can start doing a lot of things we want to do. (Glacier NP, Hiking in the Alps, visit Patagonia, etc). Our argument is we dont want to be attempting these trips when we can still go 8-10 miles no problem, I dont want to visit the...
by Andyrunner
Fri Aug 08, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6913

Re: Looking for advice on creating a Will

I have looked into this and havn't done anything yet. :shock: From what my Lawyer friend has told me: Yes, as you have a child, create a will. It will go to the courts to decide who take care of your son (it can get messy if people live cross states). He steered against legal zoom and websites like ...
by Andyrunner
Thu Aug 07, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2844

Re: average American eats out 203 times per year

Depends. I often supplement my lunch with a $2-3 wrap when I'm hungry (maybe 2x a week at most). Does that count even though I brought the majority of my lunch? On a side note: getting old sucks, when I was 23 I would eat my lunch, then go out for lunch with coworkers and still be starving by the en...
by Andyrunner
Tue Aug 05, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6957
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