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Re: Over-55 communities a ripoff?

My parents moved to one this past summer. Here are a few reasons I saw: 1) income taxes in FL compared to NY 2) 4 golf courses on campus (my dad golfs 3-4x a week) 3) tons of people their age 4) community activities, social center, workout rooms, etc 5) HOA covers landscaping/exterior 6) gated commu...
by Andyrunner
Thu Apr 17, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2249

Re: The Unemployment Game Plan

You don't know how long you will be unemployed so I would say: 1) Kill the car loan, rest go into savings. Stop mid term investing as you may need it when unemployment benefits run dry. 2) Yes, again, you dont know how long you will be unemployed, if you gain employment soon you can catch back up 3...
by Andyrunner
Thu Apr 17, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 797

Re: The Unemployment Game Plan

You don't know how long you will be unemployed so I would say: 1) Kill the car loan, rest go into savings. Stop mid term investing as you may need it when unemployment benefits run dry. 2) Yes, again, you dont know how long you will be unemployed, if you gain employment soon you can catch back up 3)...
by Andyrunner
Thu Apr 17, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 797

Re: Obamacare grown child question

I believe you can compare both. She can shop for insurance on the exchanges and you can shop as a family plan as well before you enroll in anything. That being said, generally dependents aren't the big cost factor in insurance, it tends to be the spouse (because of age).
by Andyrunner
Wed Apr 16, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare grown child question
Replies: 1
Views: 244

Re: Running Forum?

letsrun.com if your into racing, tracking pros, and other things.
Slowtwitch.com is a triathlon forum but has good running info.

Both are not as regulated as runners world or bogleheads, so you better have some thick skin when posting.
by Andyrunner
Mon Apr 14, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Running Forum?
Replies: 3
Views: 336

Re: Day camps, summer camps, summer school

My daughter is only 8 months old but Im excited to send her to day camps. Local nature center puts on a day camp which is very popular, get her to enjoy the outdoors and appreciate her enviorment. Sport camps will be great if the child is interested in a sport (good because it makes them competitive...
by Andyrunner
Thu Apr 10, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Day camps, summer camps, summer school
Replies: 8
Views: 547

Re: Job Offer (Pension Closed since Interview?)

I work in HR and also work with several people who manage our pension. No chance. Updating systems, 'hardcoding' you into their system would be to much of a challenge and your hiring manager would have little to no leverage here. Also Im sure there are several federal regulations (assuming its backe...
by Andyrunner
Thu Apr 10, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer (Pension Closed since Interview?)
Replies: 8
Views: 1207

Re: Brown bagging in a more formal office

I wear a suit everyday. I have a blue igloo lunch bag, picked it up at Target. I just leave it at my desk and don't always put it in the fridge. Its generally PP&J, apple, bag of pretzels, and a yogert. Standard lunch since...oh 4th grade? I would consider not bringing a bagged lunch the first f...
by Andyrunner
Wed Apr 09, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2936

Re: Why Americans are Retiring Overseas

Gnirk wrote:Would never consider retiring outside of the US. Family means too much to us.


I think this is why most people don't consider retireing overseas. Cost of flights and time to travel to see family would just be too much.
by Andyrunner
Tue Apr 08, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8605

Re: California Taxes - Am I Missing Something?

Not sure if its just taxes, but when I went to Fresno last spring, gas was about a dollar or so higher than my homestate. Might want to factor that into account as well.
by Andyrunner
Mon Apr 07, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7734

Re: Laid off today... TODO list?

siamond wrote:1. Activate family health plan on my wife's side (she works, but we were using my plan so far)


You might have to wait until their open enrollment period. Between now and then you may have to take COBRA.
by Andyrunner
Wed Apr 02, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9509

Re: Setting up money management practice as part time MD

As someone who works in a large clinic with doctors and medical researchers...YES PLEASE! Ok seriously, I think you have a nitch as you are right...most MDs would have more trust in another MD rather than a finance person (same works with HR, supply chain, accounting, etc). I know some hospitals/cli...
by Andyrunner
Wed Apr 02, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Setting up money management practice as part time MD
Replies: 10
Views: 985

Re: New Housing Bubble and upcoming cycle peak

Chart only says new house sales but nothing about existing home sales I would assume a majority of the market is existing home sales and not new home sales. So if there is a bubble then this chart is only saying 'new housing' bubble not a new 'housing bubble'. Edit to add: With the cost of labor and...
by Andyrunner
Wed Mar 26, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6340

Re: Should I take this new job?

Not knowing much about the marketing field, but from the sounds of it having the experience of industry and agency on your resume won't hurt your career potential it just diversifies your resume. Future employers will see you have small business and large business experience and can relate to both. ...
by Andyrunner
Wed Mar 26, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I take this new job?
Replies: 15
Views: 1292

Re: Best Mortgage Type for 1st-timers: 30-YR Fixed?

My wife and I just had this decision. This was our 2nd home and we had about 30% down. We decided to go with a 30yr. We have a young daughter (8 months) and planning on one more. I have no idea how much they are going to cost in the long run, but I would like the idea of a smaller payment if need be...
by Andyrunner
Tue Mar 25, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1182

Re: Do you love your job? What do you do?

Been in my position for about 8 months. Work in my company's benefits dept. Love my job so far. Company really watches out for its employees and does what is best for them. Also I love how the whole subject affects me directly so it is understanding my personal benfits as well as working for the com...
by Andyrunner
Mon Mar 24, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10076

Re: Questions about a 401K I just started

matching at the end of the year is becoming more common. My former company which did a 6% match just started this (they also make it a priority to do the layoffs before this date or bonus announcements).
by Andyrunner
Thu Mar 13, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about a 401K I just started
Replies: 9
Views: 586

Re: Marvin vs. Andersen Windows: The Eternal Struggle

I have heard the same comparison, its like buying a DSLR. I was going to say go support the local economy and see which one is headquartered closer to you. Apparently both are in Minnesota.
by Andyrunner
Thu Mar 13, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 27
Views: 1784

Re: Alternatives to paying full real estate commissions?

Recently sold my house and moving Friday. We tried to list last year with a terrible realitor (he put no effort in) and it sat on the market for 5 months in a hot market and a new one this year sold it at asking price in 3 days. 1) Most people who use this tool are shooting for the stars. House will...
by Andyrunner
Tue Mar 11, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives to paying full real estate commissions?
Replies: 31
Views: 2441

Re: Worth fighting ticket to avoid points, higher insurance?

I would say it is worth his time to fight this. If anything he will learn how the court system works. I remember I got a speeding violation in upstate western NY. I go in to fight it...I couldnt find the courthouse. Eventually I figured out the courthouse was in the libarary, which was no bigger the...
by Andyrunner
Fri Mar 07, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth fighting ticket to avoid points, higher insurance?
Replies: 46
Views: 2681

Re: Auto trailer hitch bike racks

Rocky mounts are great and cheaper then Thule or Yakama. I think they may have a rear hitch.

We have them for the top of the car...and handled the situation quite nicely when the wife drove her car into the garage with her bike still on top. No damage to them...but 6k of damage to our car. :D
by Andyrunner
Fri Mar 07, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 1150

Re: The dealership wants my 2 year old car back?

They are trying to stir up business, not trade you staight up. I always got letters in the mail saying they are in a deperate need for 2002 tacomas and willing to give me 30% over kelly blue book value.

They are assuming that you're one of those people that wants a new car every few years.
by Andyrunner
Thu Mar 06, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4271

Re: Cross Country trip this summer. Any advise?

mbres60 wrote:my dh wants to see Mall of America


Its just a really big mall. Honestly its nothing exciting.
by Andyrunner
Wed Mar 05, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1209

Re: Cutting cell phone expenses

I am about to change employer so I will probably lose 23% discount so I will pay even more. You dont have to disclose to AT&T that you are changing jobs. This. Recieved the discount from a prior employer for an additional 2 years until Verizon asked me to verify. My new employer offered the sam...
by Andyrunner
Mon Mar 03, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1784

Re: Advice needed on problem neighbors

Buying out the house would be a terrible idea if there are drugs involved. If meth is there, that house will be a world of hurt. I found just getting a hold of one of the police officer that patrols your area might give you a better idea on what to expect as the weather gets warmer. Most of them car...
by Andyrunner
Fri Feb 28, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3138

Re: The role of a construction manager

In my experience, you could save about 15% of the cost by doing your own General contracting. However, there would be smaller savings, if you were not as efficient as the GC when dealing with subcontractors. They tend to have more "pull" with the subs than you would and could perhaps get ...
by Andyrunner
Mon Feb 24, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: The role of a construction manager
Replies: 8
Views: 530

Re: Kid on the way... Can wife stay at home?

First off: Congrats on the kid! Mine is only seven months and Im still figuring it all out!! Many people already made good points, but in response to your latest post. Under retirement you said you expect promotons and raises to continue. I don't know what business your in, but the economy can chang...
by Andyrunner
Mon Feb 24, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 2372

Re: Moving from midwest to Australia

Minnesota winters arn't that bad!
You just have to go with it. Get some snowshoes or skis.

My brother lived in Sydney and he currently lives in Perth. Ill try and talk to him this weekend about Sydney and see what he says.
by Andyrunner
Fri Feb 21, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2277

Re: To MBA or not MBA?

Carlson is a very good school. As far as is an MBA worth it. If you plan on staying with your company, speak to your manager. See if it is worth it. Also see if it depends on which school. Carlson is good, and will require a ton of work. Since it sounds like your in Minnesota, look at St. Mary's Uni...
by Andyrunner
Fri Feb 21, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4478

Re: Billing for annual physicals

Its all about coding.

Actually, coders are a high demand job right now. I think its a very well paying six month degree and you can work from home.
by Andyrunner
Thu Feb 13, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3635

Re: Pet peeve: When people refer to this forum as "Bogglehea

Ok...just for clarification:

Is is the 'o' pernounces like boggle? Or is it a harder O like "boat"?
by Andyrunner
Thu Feb 13, 2014 10:55 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2426

Re: Conflict of Interest?

AustinG83 wrote:The advisor is the next-door neighbor of the company owner. From what I can tell they are good friends outside of work.


To me, this answers your 'smell test' question. Ask for a few Wells Fargo index funds.
by Andyrunner
Wed Feb 12, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conflict of Interest?
Replies: 16
Views: 1474

Re: POLL: Do you do you own taxes?

Used Turbo Tax for the first time this year. Sister-in-law always helped us in the past.

I was shocked on how simple it was. Now lets hope the software or I didn't make a mistake...
by Andyrunner
Wed Feb 12, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you do your own taxes?
Replies: 54
Views: 3106

Re: How did you find Vibram Five Finger shoes?

I have a pair, but never wear them. Take too long to put on. Word of advice Make sure you take time to adjust to them. It will take a long time to break into them so you dont get any stress fractures. Look onto any running forum and you will find lovers and haters, but you will learn the proper way ...
by Andyrunner
Tue Feb 11, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: How did you find Vibram Five Finger shoes?
Replies: 10
Views: 662

Re: Mortgage advice

Sufficent emergency fund Max out 403b (plus we get a handsome pension) tax backet 25% Loan will be about 220k. Gross income about 140k. We do have a good plan for emegrencies, only issue is if we have a layoff...we have bigger trouble. Our employer employs 30% of the town and the rest of the town li...
by Andyrunner
Tue Feb 11, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage advice
Replies: 12
Views: 828

Re: Mortgage advice

cool, thanks for the thoughts everyone.

I think 30 year is what we will do. 4.25% isnt bad at all.
by Andyrunner
Tue Feb 11, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage advice
Replies: 12
Views: 828

Mortgage advice

So the wife and I just sold our current home and are purchasing a new one, which will be our home for the next 15-20 years (hopefully). We are starting to do the numbers and are debating on a 30yr vs a 15 yr loan. We are generally conservitive with debt and dont like it at all, which would lead us t...
by Andyrunner
Tue Feb 11, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage advice
Replies: 12
Views: 828

Re: Try for a shortcut to promotion, or not worth the risk?

Skipping your manager will most likely upset him for not keeping him in the loop. Whether it happens or not, he will get word of it and be upset you didn't approach him first, breaking the trust you currently have with him. If he is a good manager, he would understand your desires for a challenge an...
by Andyrunner
Mon Feb 10, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Try for a shortcut to promotion, or not worth the risk?
Replies: 15
Views: 1607

Re: Advice on first time selling a home (condo)

We are in the process of selling our house. We failed to sell it last year so learned a lot as that realitor was terrible (he was part time). 1. Word of mouth, all honesty, most people will say they charge too much for what they actually do and will say more negative then positive. There is a reason...
by Andyrunner
Thu Feb 06, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on first time selling a home (condo)
Replies: 6
Views: 822

Re: Can you buy to cheap of a house?

My brother in law bought a house for about 40k in Iowa. The year before he bought it the river flooded and it was under 4-5 feet of water. He did a lot of the fixup remodeling work himself and invested a lot into it. He will sell it for a profit, but not sure if it was worth it. Area is filled with ...
by Andyrunner
Tue Feb 04, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Can you buy to cheap of a house?
Replies: 15
Views: 1360

Re: Winter coats:

Live in Minnesota as well, so I need to be prepared for cold weather. I have a wool overcoat I wear during the workweek to wear over a suit comfortably. I also have an Eddie Baurer 700fill down coat that cost me $100, perfect with the exception of no hood, I have owned it for 6 years and no signs of...
by Andyrunner
Tue Feb 04, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 3726

Re: Sales Professionals Advise A Young Professional

I dont have experience in sales but know people who do. From what I have observed: Be prepared to be willing to coldcall customers, live out of a suitcase or driving 3/4 of the day. Be willing to fly Sunday morning and Friday night, sometimes you will fly somewhere in the morning and be on a flight ...
by Andyrunner
Thu Jan 30, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sales Professionals Advise A Young Professional
Replies: 8
Views: 807

Re: Advice and next steps for 28 y/o?

I agree with the twins fan. 1) Pack away money into the savings. If you have the standard American wedding, that will take a big chunk of it 15k-25k. Ring another 4k-6k. Plus Im assuming you have an idea of what your future wifes debt might look like, might want to prepare for that as well. Get her ...
by Andyrunner
Thu Jan 30, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice and next steps for 28 y/o?
Replies: 6
Views: 795

Re: Mortgage pre-approval questions

Good to know. Thanks! We currently have Wells Fargo and they havn't sold ours. I know I dont need a good feeling and all of that with the bank. Just a low rate. My other question is with all of the various fees, what do I need to look out for? I assume there is interest rate, closing fees, originati...
by Andyrunner
Mon Jan 27, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage pre-approval questions
Replies: 7
Views: 511

Mortgage pre-approval questions

So wife and I are listing our house and on the lookout for a new one. Our realitor, who I think really does his feduciary duty, recommended a loan officer for us to get a pre-approval letter. I really dont know this process as my current house I aquired when I married my wife. As much as I trust my ...
by Andyrunner
Mon Jan 27, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage pre-approval questions
Replies: 7
Views: 511

Re: Preparing for behavioral question style interview

My company does this. My advice. Think of 3-4 stories of work challenges. You should be able to use these for any of the questions they throw at you. Answer it in this fashion: 1) Summarize the situation 2) state the challenges involved 3) explain your approach and what you did. 4) State the results...
by Andyrunner
Wed Jan 22, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for behavioral question style interview
Replies: 20
Views: 1336

Re: Vanguard Tax Form Release Schedule (1099-R available now

John151 wrote:Vanguard has posted my 1099-DIV but not my 1099-B. I sold some shares at a loss in late December, so maybe Vanguard is required to wait and see if I buy them back within thirty days and incur a wash sale.


Same here I took some shares for a profit and some for a loss.
by Andyrunner
Mon Jan 20, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Form Release Schedule (1099-R available now)
Replies: 23
Views: 1741

Re: Best Comfort and Best Workout Clothes

Glad to hear I'm not the only serious runner sporting the target brand clothes!

Its a treat for me to go buy an expensive running top/bottom.
by Andyrunner
Mon Jan 20, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 2753

Re: Best Comfort and Best Workout Clothes

I think the issue with the workout ply blends is there is a big difference in quality. The stuff you buy at dicks or sports authrity are are generally garbage, I mainly run so my ideas for workout clothes are geared toward running. Craft (extreamly expensive) has probably some of the best stuff out ...
by Andyrunner
Sun Jan 19, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 2753

Re: Did you have a Lousy Job as a teen / young adult?

I worked at a mom and pop beverage store in high school and college. Nothing like sorting through bottle returns, stacking (and touching) old slimy bottles on pallets and sending them back to the company. Once I got seasoned there I was doing manual labor stacking shelves, stocking kegs in the coole...
by Andyrunner
Fri Jan 17, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 4825
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