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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 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 41
Views: 3703

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 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6650

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 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2375

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 1:02 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6368

Re: Removing a beehive from mailbox newspaper holder

Three easy steps:
1) purchase fireworks (bigger the better)
2) light firework and quickly put in mailbox newspaper holder
3) run

wait...did you still want to use the mailbox?
by Andyrunner
Mon Aug 04, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 43
Views: 4542

Re: How many families use 529 plans?

We do. When my daughter (1yr old) gets birthday money I put it straight to the 529. I cant justify putting her money into my bank account or retirement account. I also put in 300 a month. My goal is to replace my mortgage payment with her tuition bill when the time comes. 529 will just be a suppleme...
by Andyrunner
Thu Jul 31, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6458

Re: Home Appraisal

Based on my experiences. 15 minutes is a long time. Lady was in and out within 5. Walk around take pictures of each room and out.

Most of the work is done in the office digging into what was the sale price of other comparable homes.
by Andyrunner
Wed Jul 30, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1486

Re: Gardening 2014 mid summer update

Same here in Minnesota. Little tomatos and peppers. Same with cucumbers. Green beans are doing well, squash is going crazy and zucchni is good.

Cabbage and Brussell Sprouts are being eaten by bugs. Not sure how much I will get from them.
by Andyrunner
Wed Jul 30, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 613

Re: A third of Americans delinquent on debt, study says

I would say the real number is probably lower. Many collections are due to clerical errors. For example, I have some collections to a utility company. I know its bogus, they corrected it saying was a mistake on their part but they refuse to go to the credit agency to remove it and I really dont care...
by Andyrunner
Tue Jul 29, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: A third of Americans delinquent on debt, study says
Replies: 23
Views: 2258

Re: Help with term life insurance initial purchase

Does your job offer group universal life insurance? If so is it employer paid or employee paid?
by Andyrunner
Tue Jul 22, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with term life insurance initial purchase
Replies: 7
Views: 606

Re: Hw many credit cards to own?

I have two. Chase card and a Target redcard.

One for regular purchases one for shopping at Target as I get 5% off, free shipping, and most of my groceries is from there. I dont see a need for more.
by Andyrunner
Mon Jul 21, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6592

Re: If you own a car, do you have a car payment?

Financed my last car at 0.9% interest over five years. I figured I could make more in the market but decided I hate additional loans and paid it off in 14 months.

Next car will most likely be cash.
by Andyrunner
Fri Jul 18, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7377

Re: kids during summer holidays

My daughter isn't at this age yet but I would second the camps. Unfortunatly the cost probably adds up fast and then there is the transportation issue. My co-worker hires a high school girl to watch her kids ($30 a day). The high school girl does her best to keep them outside, make them lunch and ma...
by Andyrunner
Thu Jul 17, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: kids during summer holidays
Replies: 5
Views: 574

Re: Neighbor's ugly overgrown bushes and fence

Are there any town/city ordinance on upkeep?

Most of the time they arn't enforced unless someone calls the city. If they city doesn't act, call the council representitive.
by Andyrunner
Wed Jul 16, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3303

Re: Millennials (with jobs) are super-saving their retiremen

Born in 1984. I have been saving since my first job and started maxing out 2 years ago. Wife and I also have a very nice pension. We try to invest as much as we can and are planning on paying off our house in under 10 years. I think Millennials have seen the 2000's where the market didnt expand a lo...
by Andyrunner
Wed Jul 16, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9536

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

I have a '13 outback and love it. Based on the reliability of the outbacks I would say go with it. It is 10% of the house but it should last you a very long time. Only downside is it drives like a boat (complete opposite of my wifes corolla). Any chance with going with the premium over the limited? ...
by Andyrunner
Wed Jul 16, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 46
Views: 5019

Re: How much do you spend on your hobby annually?

HardKnocker wrote:I suggest cheap hobbies.

Some hobbies just drain your pocket. So pick a cheap hobby.


A hobby can be as cheap as you want it to be or as expensive as you want it to be....
by Andyrunner
Mon Jul 14, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7218

Re: How much do you spend on your hobby annually?

Running and triathlons. Got into rock climbing a bit (indoor only).

Pre-wife: Any disposable income
post-wife: Probably $500-$1000 a year (we share the same hobbies)
post-kid: I think I got a new pair of running shoes and did a local 5k that cost $30....
by Andyrunner
Mon Jul 14, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7218

Re: Electric Bike

I honestly have never heard of an electric bike before. Just for what is is worth: most quality bikes start at that price, so to add an electric componant to it, it should probably be a lot more than $600.
by Andyrunner
Thu Jul 10, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Electric Bike
Replies: 16
Views: 2052

Re: Book for part-time Grad school?

I graduated about 2 years ago from MBA school while working full time. What helped big time was that many of the professors worked full time and taught at night. They understood the family obligations and work obligations. The workload wasnt heavy but they made you think more rather then study for t...
by Andyrunner
Tue Jul 08, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Book for part-time Grad school?
Replies: 26
Views: 1606

Re: Recommendations on Walking/Trekking poles

My wife has Leki's and I have black diamond.

Both work very well. If you are willing to spend the money, the carbon fiber ones are by far the best, but of course you pay more. TwoLeftFeet gives a good discription on everything.
by Andyrunner
Tue Jul 08, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Recommendations on Walking/Trekking poles
Replies: 16
Views: 1569

Re: Planning ahead

1- In the event that I'm be able to stay on with my employer on some kind of part-time basis, would it be better to get W-2 income or stay on as a "consulstant" and get a 1099? Employer will have some say in this. There is definatly legal issues if your a consultant vs part time employee g...
by Andyrunner
Thu Jul 03, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning ahead
Replies: 4
Views: 305

Re: Help/Advice reReal Estate Negotiation

If this is the realtor representing the seller, find a new one. A realtor is representing you and using their knowledge of the market to advise you. He or she won't say what you should go in at, but will say if they think the price is too high. They should also do some digging for you, see if there ...
by Andyrunner
Thu Jul 03, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help/Advice re Real Estate Negotiation
Replies: 10
Views: 928

Re: Gift idea for high school grad?

Save the big money present for college or vo-tech graduation. I agree. I remember having too much fun with the money I got from high school graduation. After college I saved the money realizing Im actually going into the real world now. I spent all of my college graduation money on relocating to a ...
by Andyrunner
Thu Jul 03, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift idea for high school grad?
Replies: 16
Views: 680

Re: Getting toddler to brush their teeth

It gets harder?

I have an 11 month old with 9 teeth already!! We try to brush it with a soft brush and she just shuts her mouth and swings her head. I'm not sure what is worse, the wrestling match of changing clothes/diaper or brushing teeth.
by Andyrunner
Wed Jul 02, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2464

Re: Breastfeeding and baby formula

We had issues as well and jsut went with formula. From all that I have read, all of the generic brands are made at the same factory. The only difference with simelac is it is mixed with Palm Oil instead of another kind of oil (flaxseed oil?). So if you can get your kid on the generic brand go with i...
by Andyrunner
Mon Jun 30, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1258

Re: The Millionaire Next Door: Are You One?

No Im not. Plan is to be one though. We are still young 29/31, max out our 403b, have a pension and only debt is a house we own ~1/3 of with the goal of paying it off in 10-12 years. It will be interesting to see how our net worth compounds over the next 10-15 years (assuming no major recessions/lay...
by Andyrunner
Mon Jun 30, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22701

Re: How do you afford to travel?

I actually find it very challenging. I really want to go to go overseas, but spending 5k-8k for a vacation is unreal. To me thats a half a years mortgage payment! We are very well off, max our 403bs, planning on paying off the mortgage in less then 10 years, and have enough liquid cash to purchase t...
by Andyrunner
Thu Jun 26, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6386

Re: Contractor Messed up

ralph124cf wrote:1. Ask your wife.

2. Do what she says.

Ralph


This...if she doesn't like them her fault. Though I have always found they find a way to make it your fault.
by Andyrunner
Wed Jun 25, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2966

Re: NY Times: Not enough younger investment advisors

user5027 wrote:
Andyrunner wrote: I honestly couldnt sell a product I believed in.


:?:



Ha oops...thanks Ill fix that.
by Andyrunner
Wed Jun 25, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7496

Re: NY Times: Not enough younger investment advisors

I was 26 when I first looked into the business and I decided not to get into it. I honestly couldnt sell a product I didnt believed in. First it isnt a young persons business. Would a 40-50 year old look for a 25 year old for financial advice? No, chances are the 25 year old has no idea it is like h...
by Andyrunner
Wed Jun 25, 2014 9:22 am
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7496

Re: real estate fraud?

When you find a good real estate agent ask them to do some digging. Chances are they can talk around their office and find out if there is something shady going on. There may be some information that is word of mouth but not on paper.
by Andyrunner
Tue Jun 24, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: real estate fraud?
Replies: 33
Views: 2673

Re: Retirement age for software engineers

Worked at a software/hardware IT megacorp. What I found was many software engineers retired earlier than they expected as the company laid them off. A 25 year old costs much less than a 50 year old.
by Andyrunner
Tue Jun 24, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9761

Re: Moving back to the U.S. - Any ideas on a hatchback car?

Used Subaru Impreza Hatchback with AWD. I'm not sure other hatchbacks in that price range will have what you need for snow in Minnesota. Agreed. I test drove it, loved it but ended up going with an outback for a bigger car. My wife will most likely buy this car come this fall as her Corolla sucks i...
by Andyrunner
Tue Jun 24, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Moving back to the U.S. - Any ideas on a hatchback car?
Replies: 33
Views: 2006

Re: I need a Bogleheads reminder

car or house? No. Smaller things in which the more expensive thing is better quality? yes.

It gets cold up in the northern midwest, just imagine your heating bill!
by Andyrunner
Fri Jun 13, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2775

Re: Engagement Ring - Diamond Help

I was in this situation several years ago and from what I remember, a jewler told me that most of those things are meaningless to the untrained eye. Unless the diamond is horrible, you wont notice a color difference, clarity/cut unless you put it under a microscope they all look the same etc. Basica...
by Andyrunner
Fri Jun 13, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4340

Re: Sports scholarship

bigred, I agree, I might have discribed as too overbearing with time management. If your good at time management, it isn't extreamly challenging. As my athletic director put it: you have two full time jobs, and student comes first in student-athletes (though probably not true with revenue sports). n...
by Andyrunner
Tue Jun 10, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Re: Sports scholarship
Replies: 9
Views: 768

Re: Sports scholarship

I only had a part scholarship, I think it was about $2k a year (most sports and schools don't give full scholarships). Speaking to most other runners, most didnt do it because their parents forced them to but because they loved the sport and representing their school. Most athletes realize (and I th...
by Andyrunner
Tue Jun 10, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Re: Sports scholarship
Replies: 9
Views: 768

Re: Fair market value of a non profit dinner

more importantly...how was and what type of wine? :happy
by Andyrunner
Thu Jun 05, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Fair market value of a non profit dinner
Replies: 12
Views: 859

Re: Family cars for non-drivers.

Maybe look at a wagon?
by Andyrunner
Wed Jun 04, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Family cars for non-drivers.
Replies: 38
Views: 2002

Re: running shoes for a severe overpronator(flatfoot)

Also recommend the running store.

Shoe companies change their shoes all the time. So if one model works for you one year, doesn't mean it will fit you the next year.
by Andyrunner
Thu May 29, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2890

Re: Would you work without pay?

I help develop drugs for infectious diseases and cancer. I have the opportunity to work without pay. Should I do so even though I need to pay for my children's college expenses as well as my normal living expenses of shelter, food, clothing, health care, and transportation? Would you work without p...
by Andyrunner
Thu May 29, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4040

Re: Hiring someone versus painting yourself

Call family or friends to help you for a weekend. Buying a case of beer and a few pizzas for the group is cheaper than hiring it out. The problem with that thinking is that you put yourself on the hook to repay in kind X however many you invite. That's right you might end up painting five houses fo...
by Andyrunner
Thu May 29, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4276

Re: Are hybrid cars a good idea yet?

From what I have read, unless you keep the car for over 100,000 miles it isn't worth it. The premium price you pay for the hybrid doesn't make up for the fuel savings.
by Andyrunner
Wed May 28, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8246

Re: Hiring someone versus painting yourself

Next project: Painting exterior of house. House is 1 story. Should I paint it myself or hire out? I still work full-time and will take a good bit of time. I would be able to paint every so often for a couple hours a day. What are your thoughts? Call family or friends to help you for a weekend. Buyi...
by Andyrunner
Wed May 28, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4276

Re: Letter from CC company (Discover) re: current income

It says on The Discover website... "We are required by federal regulation to use updated income when determining your credit line needs." So I guess they think you need credit, even if you don't. :D Based on this, I would assume they are just doing their compliance and in fact really don'...
by Andyrunner
Wed May 28, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 1603

Re: Budget bike for a senior

What is your budget? If it is under $200 then I would say go onto craigslist and see what you can find. For the most part bike shops will start at $400+. Bikes direct.com has some good deals, but I believe there is some work involved (attaching the headset, etc). Other issue is I assume you don't kn...
by Andyrunner
Fri May 23, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Budget bike for a senior
Replies: 8
Views: 632

Re: Child Care - 2 or More Children and Strategies to Pay

Our daycare in MN is just a bit lower then yours. Are you looking at an in home or a center for daycare? The prices for in-home tend to be cheaper. (I pay $200 for an infant in-home, centers are $350+) 1) I dont think this is common, at least in my area where supply is low and demand is high 2) Some...
by Andyrunner
Fri May 23, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3326

Re: How much house should I buy? (young person with many ass

Being as young as you are, even if you stay with your employer, your employer might say get on a plane and move to the other side of the country. You might meet a mate that you want to spend the rest of your life with and they say "I got a great job opportunity halfway across the country" ...
by Andyrunner
Fri May 23, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5592

Re: Skip IRA for 1 year to buy engagement ring

Here is an idea, Take her ring shopping...just to get an idea of what she likes. I can almost garuntee she has no idea on how much they cost. My wife was floored when she saw the price tag on a ring. Changed her perspective greatly and reduced her expectations. Luckly I had a family ring passed down...
by Andyrunner
Thu May 22, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13342
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