Search found 415 matches

by Andyrunner
Thu Jul 30, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 1013

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due d...
by Andyrunner
Thu Jul 30, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 1013

Re: Newborn Health Insurance Questions

1) Correct, you generally have 30 days to enroll them. Shouldn't really be any benefit to do it the next day vs. day 30, unless of course you are forgetful (and being extremely tired, you might forget). Going through the appeal process after the 30 days will be very rough. As for premium, it varies ...
by Andyrunner
Wed Jul 29, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Any COBRA Experts? Will This Plan Work?
Replies: 9
Views: 465

Re: Any COBRA Experts? Will This Plan Work?

I'm not an expert on the individual ACA mandate,but I think you would be risking yourself to fines for being uninsured for the month of September. Starting this year, your employers/insurance company will report to the IRS which months you were enrolled in their medical coverage. Depending on the si...
by Andyrunner
Mon Jul 27, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 3575

Re: FWD vs AWD

FWD is good, AWD is better, snow tires are the best.

My wife has a Corolla w/ snow tires and I have an outback. Her car is better on the ice and slick snow. My car is better getting through heavy snow patches and unplowed streets.
by Andyrunner
Fri Jul 24, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3032

Re: Easy lunch brownbag ideas

My standard lunch is: -PB&J Sandwich -Yogurt -fruit (pear, apple, banana, etc) -Granola bar Once and a while Ill change it up and buy some cold cuts and sliced cheese. I also have the opportunity to eat this throughout the day. Snack at 9am, Lunch around 11, snack around 1-2. Unfortunately I'm u...
by Andyrunner
Mon Jul 20, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 35
Views: 2826

Re: Anyone else drive a Tacoma?

The kicker is that not 6 months later I got something in the mail about a massive recall on those model years for drivers in the Northeast, and the entire frame would be replaced for free. I got that recall notice. Unless the frame was really bad (big holes in it), they would just put a special coa...
by Andyrunner
Mon Jul 20, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 35
Views: 2826

Re: Anyone else drive a Tacoma?

I had a 2002 Tacoma for 7 years. This was the Tacoma that was an actual compact size pickup, similar to the ford ranger. Now they are huge. When I had a kid I had to get a vehicle that could fit more than 2 people. I miss that truck... I've had several Toyota pickups: 1990's with the manual hubs, 2...
by Andyrunner
Fri Jul 17, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 35
Views: 2826

Re: Anyone else drive a Tacoma?

I had a 2002 Tacoma for 7 years. This was the Tacoma that was an actual compact size pickup, similar to the ford ranger. Now they are huge.

When I had a kid I had to get a vehicle that could fit more than 2 people. I miss that truck...
by Andyrunner
Fri Jul 17, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4292

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

My wife was told she was overdue for a 60k checkup (she's at 75k). Spoke to a friend who is a mechanic for another car dealership and he pretty much just said besides the oil change and tire rotations there isn't much they will do that is worthwhile, the rest is just upselling.
by Andyrunner
Wed Jul 15, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3925

Re: Are the more expensive bikes worth paying for?

All good info. As for locks. I have rocky mounts on top of my car with locks in the front fork. Just make sure you don't do what my wife did and drive into the garage with the bike still on top. Also treks have serial numbers on them, I'd write it down and keep it somewhere safe. This can help when ...
by Andyrunner
Tue Jul 14, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4556

Re: Having Trouble buying big ticket item

Yes, an athletic club membership costing 2k a year. It took us 2 years to finally join. I think its a good thing though, if it was easy for you to write a $7k check for a toy your portfolio would be much smaller and you may even be living paycheck to paycheck. Why is your wife against it? Does she f...
by Andyrunner
Mon Jul 13, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1123

Re: Voyageurs National Park Vacation

Oh and I planned on registering the kayak ($30 for 3 years) I just bought the kayak on a Sunday and wanted to go out that day when the DMV was closed.
by Andyrunner
Mon Jul 13, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1123

Re: Voyageurs National Park Vacation

No experience with Voyageurs NP specifically, just Boundary Waters further east. [list][*]You might want to contact outfitters near Kabetogama & Voyageurs about trails, fishing, and canoe rentals. Even in the National Park, the canoe has to have a Minnesota or other state registration sticker, ...
by Andyrunner
Sun Jul 12, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1123

Re: Voyageurs National Park Vacation

Thanks all. I figured the bear spray would be a bit much but better to ask rather than find out the hard way. SailorJerry, we are staying at PineAire resort. Its one of the few that had a small enough cabin and accepted shorter than a 1 week stay. We are thinking of renting a boat from them for a da...
by Andyrunner
Sun Jul 12, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1123

Voyageurs National Park Vacation

Wife and I are spending 4 days up near Voyageurs NP. We booked a cabin on Lake Kabetogama. Plan is to do mostly hiking and some fishing. Anyone have any advice on trails, fishing (we mainly do river fishing on the Mississippi) and other stuff? Do we need bear spray? Any other attractions? Places to ...
by Andyrunner
Wed Jul 08, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 7588

Re: Suze Orman Show Summary

I actually had a friend call in and ask a question. That's the only segment I watched. He wanted to buy his girlfriend a 11k Tiffany engagement ring. Girl was obsessed with Tiffany jewelry. He was going to finance half of it and dip into his emergency fund for the other half. Smartly enough she gunn...
by Andyrunner
Tue Jun 30, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2703

Re: Purchase '98 Toyota Camry?

Do you live where they salt the roads? If so one thing to think about is underside corrosion. Would get it on a lift to get a good look at it from underneath. Agreed. My 2002 Tacoma had an issue with the frame rusting. Recall went back 10-15 years for the Toyota trucks, not sure if Camrys were an i...
by Andyrunner
Tue Jun 30, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Will removing a wood burning stove reduce my home value?
Replies: 16
Views: 1804

Re: Will removing a wood burning fireplace reduce my home value?

My old house had a wood burning fireplace. If you remove it, you should see if you can get a good price drop in your home insurance. When I was looking at new houses real estate agents told me almost all new builders refuse to install wood burning fireplaces and most of the new fireplaces are gas. I...
by Andyrunner
Thu Jun 25, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27879

Re: What ratio are you stocks/bonds and how old are you?

80/20 age 30. Wife and I are currently vested in a pretty good pension which allows me to be a bit more aggressive than age in bonds. If the pension ends or changes for the worse by the time we retire hopefully the more aggressive portfolio makes up for that.
by Andyrunner
Wed Jun 24, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 84
Views: 8194

Re: Most Economical Way to Handle the Lawn

Sometimes I just want to install turf. No more lawn mowing and green grass all year around. I'd say buy the equipment. Most of the stuff you can get on craigslist in good condition. You can put a small amount of effort into a lawn and have a nice enough lawn or you can put tons of effort into a lawn...
by Andyrunner
Wed Jun 24, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8822

Re: Money arguments with spouse and how did you resolve

Fortunately we have never had any major arguments as we both generally are on the same page. Most of our good money discussions come from evening walks around the neighborhood. Its a good relaxing activity that makes talking about these things a bit easier. A more complicated money decision leads to...
by Andyrunner
Thu Jun 18, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4954

Re: New to Golf

Hitting a driver is very challenging, it requires good strength and form, much harder than a 9-iron. Lessons are a very good way to start, see if you can get some group intro lessons and then once you got the game down move up to private lessons. As far as clubs, I don't really know (mine are hand-m...
by Andyrunner
Thu Jun 18, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Life claim denied
Replies: 40
Views: 4079

Re: Dependent Life claim denied

I spoke with relative who works in HR, she said contact my HR and get them involved. I'm really sorry for your loss and having to deal with this nonsense.... However - HR is NOT there to protect the employee, so be wary of involving them. I agree with the comments above to file a complaint if they ...
by Andyrunner
Wed Jun 17, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Going Part time
Replies: 18
Views: 2395

Re: Going Part time

If I work an average of 30 hrs/week my health insurance cost remains the same and I receive prorated annual leave, sick leave, etc. I have not requested this yet so don't know all the fine details. I'm assuming the 30hrs a week for health insurance is due to the ACA employer mandate. As one very fa...
by Andyrunner
Tue Jun 16, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6436

Re: Most Beautiful Nature Destinations

Wife and I have a goal to see every national park in the US. Not sure if it will happen as I have other destinations in mind as well.
by Andyrunner
Mon Jun 01, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 2021

Re: Kayak Recommendations

Make sure you check with your state to see if it needs to be registered. Nothing like getting pulled over by the DNR game warden (who out paddled me in his canoe) and getting a ticket for an unregistered kayak. Yes he did get out of his canoe in waders and walked over to my kayak. $120 ticket. $35 f...
by Andyrunner
Fri May 29, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 6754

Re: Behavioral finance and restaurants

15 minutes.

But you can get to any restaurant within my city in 15 minutes. You have to travel through 90 miles of cornfields to get to the next city with anything worthwhile. We won't make special trips that far to go eat.
by Andyrunner
Thu May 28, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: "Retiring" and Age Discrimination
Replies: 35
Views: 4706

Re: "Retiring" and Age Discrimination

I work in HR, but I'm not an expert in this area. I would believe there is some benefit for retiring vs. laid off. Medical insurance maybe? A terminated/laid off person wouldn't get the retirement medical package, but a retiree would. The forced retiree may get the standard severance too. I guarante...
by Andyrunner
Tue May 26, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 41
Views: 4977

Re: Do-it-yourself handy person: How did you learn?

A mix of everything:

You-tube is a good for visuals, my dad, ask neighbors/friends, my father in law, books (currently reading a gardening book). I'm generally not afraid to ask basic questions. The challenge is to pick out the bad/incorrect answers.
by Andyrunner
Fri May 22, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 94
Views: 11518

Re: Friends/Family that don't invest!

I care very much for my in-laws. They have worked very low level jobs and sacrificed a lot for my wife and her siblings. They will never retire, and if they do they will live on social security and whatever cash is in their savings account. My MIL puts a lot of money in her 401k but it was only in a...
by Andyrunner
Fri May 22, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 2520

Re: Might sell house to a friend. What is fair?

Based on my experience with realtors, they won't give you the assessment until you sign with them. That's like showing their hand in a card game. I would sell at to them at market price less realtor fees. That should be a fair win-win. Make sure your friend can afford the home, they are pre-approved...
by Andyrunner
Wed May 20, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3442

Re: How should drivers react to bicycle riders on one lane roads?

As a cyclist, please pass me as soon as it's safe, double yellow or not. Nothing I hate more than timid drivers, who I feel create a safety concern for all involved. The suggestion to honk - don't unless it's a light tap from several hundred feet behind. A close proximity honk from behind can be st...
by Andyrunner
Tue May 19, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4165

Re: Questioning a Dentist?

dolphinsaremammals...I originally trying to avoid the whole medical advice situation, but I guess it did end up steering that way. I guess I can conclude that when in doubt, its ok to question a professional. Especially when they can financially profit off it.
by Andyrunner
Tue May 19, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4165

Re: Questioning a Dentist?

Been reading Bogleheads for a couple months, but this will be my first post as it seemed appropriate. I'm a dentist...and there is a large variance in treatment planning philosophies. Some, like myself, are very conservative. I don't like to treat a tooth unless there is a high likelihood that thin...
by Andyrunner
Mon May 18, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4165

Re: Questioning a Dentist?

Update: regular dentist retired last year. On the search for a new one.
by Andyrunner
Mon May 18, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4165

Re: Questioning a Dentist?

I often wonder if these second opinion dentists tell you you don't need work because it's what you want to hear, knowing maybe in a year they can start drilling, too. I try to restrain my cynicism. Which is why I wanted to speak to my normal dentist and not a new practice. A new practice will say I...
by Andyrunner
Mon May 18, 2015 9:32 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4165

Re: Questioning a Dentist?

Thanks all. Unfortunately there is no university near me but plenty of other dentists. I know the owner of the practice as he runs in a running group I used to go to. I'd figure if I was a business owner, I'd like to know if one of my workers is being dishonest to clients. I'm going to get a second ...
by Andyrunner
Mon May 18, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4165

Questioning a Dentist?

So I went to the dentist for the first time in about 18 months and learned that I had six cavities that needed work. Now this wasn't my normal dentist, who I trust, but a younger dentist who recently left the practice and only works there on Fridays to fill in. She told me I have several cavities in...
by Andyrunner
Fri May 15, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Buying a New Construction Home - what do I need to consider
Replies: 32
Views: 2984

Re: Buying a New Construction Home - what do I need to consider

I never built, but we were once looking to build and ended up buying a used house. One thing in the process we noticed is the builder will quote you a price then the added upgrades which will cost a ton and can add up. Upgrades which shouldn't be upgrades: - Gutters on the roof? Oh that's an extra $...
by Andyrunner
Wed May 13, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10622

Re: I Hate Vacations

What do you do when your not working? Do more of that. Spend that vacation time dedicated to what you like doing. I agree planning a vacation can be a hassle, but once I'm on it I love it. My issue is I only get one week off at a time, and just when I'm starting to relax its over and back to work I ...
by Andyrunner
Wed May 13, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Questions on securing house during vacation
Replies: 11
Views: 884

Re: Questions on securing house during vacation

Do you have a neighbor you know well enough? I'm not saying give them a key or access to the house, but just let them know you will be away and keep an eye out if they see anything out of the norm (car in the driveway, person looking in the windows, etc). Neighbors and I have an agreement that if on...
by Andyrunner
Mon May 11, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 4635

Re: Should I buy a lighter bicycle or lose body weight?

I wouldn't buy the carbon fiber bike if your not a serious racer. If you crash and the carbon fiber cracks the bike is toast.
by Andyrunner
Wed Apr 29, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 6719

Re: Been invited to wedding in Disney World. My cost?

My brother had his reception in a Disney park. The reception was at Epcot (20-30 people at most). He lives out of country and my parents wanted something in the states so family can attend. It was a very nice, as always Disney does a good job. The whole group was escorted into the park we didn't hav...
by Andyrunner
Wed Apr 22, 2015 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 2427

Re: Should I paint the house next door?

Agree, check your city codes.

Funny story, I had a professor in college get taken away in handcuffs because he ignored 5-6 notices about peeling paint on his house. He sure was a strange guy.
by Andyrunner
Mon Apr 20, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 5222

Re: Paying for GFs school - any way to help myself?

Why are you doing this? I second this motion. Third. Wife, even fiancee is one thing. Girlfriend is another. It's your money and you can do what you want, just be smart about it. 4x Its your relationship and not sure how long you have been with her, but make sure she doesn't dump you the day she gr...
by Andyrunner
Mon Apr 20, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 52
Views: 3428

Re: Car for teenager

All my brothers and I got our licenses around age 16, but we didn't get our cars until age 17 after hours upon hours of practice, even then we were limited to who could be in the car and no radio (of course no way to regulate that one). My brothers car, moms 8 year old maxima. Second brothers car, t...
by Andyrunner
Wed Apr 15, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3919

Re: Raising well-adjusted children when you're "rich"?

I am kind of in the same position and yes its a concern. I grew up middle class but my wife grew up working class. So I think we balanced each other out a bit. She taught me to save and I taught her to enjoy her money a bit. Now we are at the point where we have a toddler and are doing well financia...
by Andyrunner
Mon Apr 13, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Where to buy toddler / kids sneakers?
Replies: 15
Views: 1072

Re: Where to buy toddler / kids sneakers?

I only have one kid but I have noticed a few things when it comes to toddler shoes. Stride Rite is expensive, $40-$50 for a pair of toddler shoes!! Those shoes are at least 75% less material then my running shoes which retail normally at $80-$100. Its a race to see which comes first outgrowing or we...
by Andyrunner
Mon Apr 13, 2015 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 1804

Re: Saving for next car...stash cash in VTSMX?

I use the same approach except I use VFIAX. That fund will also go into things like a new roof or other major expenses around the house.
by Andyrunner
Tue Mar 31, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone been Daycare Poor before? Advice on our situation!
Replies: 27
Views: 3918

Re: Anyone been Daycare Poor before? Advice on our situation

Daycare costs are steep, that's no question. If my wife and I have another we will be a bit tighter on the budget, if we have twins, well it will be Daddy daycare at my house. I suggest looking at a few things: - does your company have a dependent care FSA? - You can deduct some on your taxes if you...

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