Search found 399 matches

by Andyrunner
Tue Jun 30, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2258

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: 1257

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: 268
Views: 17679

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: 71
Views: 6608

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: 68
Views: 7038

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: 4707

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: 3716

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: 2309

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: 6144

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: 1877

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: 6484

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: 4561

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: 4842

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: 11243

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: 2430

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: 3137

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: 4089

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: 4089

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: 4089

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: 4089

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: 4089

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: 4089

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: 2905

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: 10016

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: 860

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: 4432

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: 6426

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: 2394

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: 5078

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: 3282

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: 3812

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: 1034

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: 1762

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: 3859

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...
by Andyrunner
Fri Mar 27, 2015 9:14 am
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7438

Re: My evil plan backfired

Maybe argue to split the money 50/50. 50% index funds 50% picking stocks. You are in a marriage so your say should count for 50% on the decisions. See who wins over 2-3 years, just don't forget to count in trading fees.
by Andyrunner
Thu Mar 26, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 3646

Re: Graduating Medical Student- Rent vs. Buy in Residency

Your going to be working tons of hours and have little to no time to take care of a house. If you start a family, you will have even less time to take care of a house. I highly suggest look at renting a townhome close to a park (for the future kids). I see a lot of residents in my city buy houses, a...
by Andyrunner
Wed Mar 25, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 6146

Re: Building a new house. Any recommendations?

Wife and I almost built but went with a used house instead. Learned a lot in the process though. Remember, unless asked, contractor will go with the cheapest option. - solid doors (not the cheap hollow doors) - drain in garage - heated floors (if possible) - If unfinished basement, plan to finish wi...
by Andyrunner
Fri Mar 20, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 4918

Re: To MBA or Not to MBA

Few things: You dont have a business degree, schools may require you take pre-req classes before you start your MBA. So dont be shocked if they ask you to take some entry level classes first. If your company pays for it, there may be some commitment to your company, you may be asked to work a few ye...
by Andyrunner
Thu Mar 19, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: 74% of car loans are subprime.
Replies: 29
Views: 2221

Re: 74% of car loans are subprime.

I worked one summer at a credit union filing loan applications (boring internship job). Based on all of the loan application data I saw, I guess I wouldnt be surpised. Part of it is the uneducated people the other part was the super shady salesmen.
by Andyrunner
Thu Mar 19, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 5174

Re: job offer, 2x salary

The commute would be 45 minutes more than current, but my hours would be an hour or two less a day, so commute would be not be significant, though i would spend more time driving. Ok, trying to scrub the details and see all of the cons. This has me confused, your getting double your salary, but wor...
by Andyrunner
Wed Mar 18, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2924

Re: Gardening 2015

Thanks everyone. No snow on the ground in MN but still very frozen. Hope to start planting inside within 2-3 weeks.
by Andyrunner
Wed Mar 18, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2924

Re: Gardening 2015

Anyone have any good websites to review or order different types of seeds?

Pretty much looking for cucumbers and squash that will vine up a stake rather then spread out and takeover half my garden.
by Andyrunner
Tue Mar 17, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 3094

Re: [Poll] How long did you hold primary residence mortgage?

Currently have a 30yr mortgage at 4.25%. Goal is to have it paid off in less then 10 years. I could refinance to a 15yr but I like the flexability in case we need it. In this first year we paid off 10% of principle already.
by Andyrunner
Tue Mar 17, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2924

Re: Gardening 2015

Warm weather got me excited too. Purchased a tiller this past weekend, even though it will remain in the box for another week or two.
by Andyrunner
Tue Mar 17, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Ooops on taxes, what to do?
Replies: 11
Views: 2042

Re: Ooops on taxes, what to do?

Agree with everyone else. File an amendment.

I accidently filed a 1099-misc under my name instead of my wifes name (it was her 1099-misc). Spoke to Turbotax and they recommended file an amendment but wait until the return gets processed. The error will come up in their system.
by Andyrunner
Mon Mar 16, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 9927

Re: What won't you pay with Credit Card?

When I buy things from small businesses, I know they need every penny and don't want them to lose profits from their credit card fees.
by Andyrunner
Fri Mar 13, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1715

Re: Best 4-6 person tent

We actually just bought the 5-person tent from Costco last night. (Can you take a 2 year old camping?) A lot depends on what you plan on doing. Backpacking? Camping at local/state parks with the car? If your backpacking, you can spend hundreds of dollars on a tent. Weight, size and tolerance of weat...
by Andyrunner
Fri Mar 13, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5715

Re: Bonus received. But its not what was agreed upon. Advi

Do you want to burn bridges and piss off your manager? Give him an invoice for $500 payable within 30 days with the agreement in Nov as documentation. Make sure you add in a 5% late payment fee. Don't expect it to be paid. :D

If you dont want to burn bridges, just walk. $500 isnt worth it.
by Andyrunner
Wed Mar 11, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: 1099 Employee for 1+ Year?
Replies: 10
Views: 963

Re: 1099 Employee for 1+ Year?

As people said, IRS is getting very fussy about contractors vs employees, especially because of ACA. Review the IRS 20 point checklist.

Tell the potential canidate that its in both of your best interests as you will both get in trouble.
by Andyrunner
Wed Mar 11, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 5396

Re: Fly or drive?

flyingbison wrote:Driving to B seems to be the most cost effective, but maybe there are other factors I am missing. Any suggestions?



A three year old asking "Are we there yet?" 3000x during the road trip and saying "I need to go potty" 5000x during the road trip. I say fly.

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