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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 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 53
Views: 3454

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 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 53
Views: 3454

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 11:36 am
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2689

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 10:44 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1868

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 3:20 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10629

Re: Business Opportunity - Thoughts

Sounds like he is a recruiter for a local firm. Answers my question!
by Andyrunner
Fri Sep 19, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 452

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 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 452

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 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1036

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 1:48 pm
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2201

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 11:32 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2201

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 10:56 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2201

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 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: MD/MBA Investing Opportunities
Replies: 23
Views: 2487

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 10:07 am
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 2933

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 10:09 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10993

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 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1653

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 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Daycare not opening issue
Replies: 9
Views: 1491

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 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3646

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 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1228

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 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1481

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 10:05 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9551

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: 60
Views: 6954

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: 6741

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: 2592

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: 6520

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: 4646

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: 6676

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: 1501

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: 623

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: 2279

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: 615

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: 121
Views: 32022

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: 7455

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: 579

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: 3356

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: 9694

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: 5144

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: 7393

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: 7393

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: 18
Views: 2328

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: 1639

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: 1592

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: 309

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: 934

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: 683

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: 2615

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: 1289

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: 23355

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: 6452

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: 2979

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: 7684
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