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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 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 59
Views: 2332

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
Mon Apr 20, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 32
Views: 1326

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
Wed Apr 15, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3413

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 9:14 am
 
Forum: Personal Consumer Issues
Topic: Where to buy toddler / kids sneakers?
Replies: 15
Views: 894

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
Mon Apr 13, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 1607

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
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: 3610

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
Fri Mar 27, 2015 9:14 am
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6840

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
Thu Mar 26, 2015 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 3013

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
Wed Mar 25, 2015 9:46 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5109

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
Fri Mar 20, 2015 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 4433

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 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 74% of car loans are subprime.
Replies: 29
Views: 2047

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
Thu Mar 19, 2015 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4888

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 10:59 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2498

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
Wed Mar 18, 2015 8:19 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2498

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 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2839

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 10:52 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2498

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
Tue Mar 17, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Ooops on taxes, what to do?
Replies: 11
Views: 1935

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
Mon Mar 16, 2015 7:51 am
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8498

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 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1199

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
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: 5259

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 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1099 Employee for 1+ Year?
Replies: 10
Views: 809

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.
by Andyrunner
Wed Mar 11, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4941

Re: Guns for hunting/defense

Just started looking at some as I'm looking to hunt in the fall. Currently looking at but have yet to purchase: 20 gauge mossberg 500 20 gauge remington 870 Probably looking for a combo so I can hunt pheasent and deer (at the very least shot is much cheaper then slugs). Any ideas on what would be a ...
by Andyrunner
Tue Feb 24, 2015 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8285

Re: How much did you have saved up for retirement at age 30?

I strongly regret making this thread. I appear to be way behind most here. Age 28 currently, only $38k (soon to be $43k once I throw my bonus post-tax in there). Plus, you'll likely get married one day and that can certainly add to it. Unless your wife doesn't work, preferring to raise children ins...
by Andyrunner
Tue Feb 24, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 13678

Re: Cross Country Ski Gear Tips/Destinations

Race the Birki in Hayward Wisconsin.
by Andyrunner
Mon Feb 23, 2015 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1151

Re: Who's going to Disney this summer?

Sucked into paying the mouse-tax eh? Remember you can bring your own food into the parks. We are going in a few weeks for my brothers wedding. I can't believe the prices. My parents are part of their vacation club program and only live 2 hours away. As much as my wife and I hate disney, we are going...
by Andyrunner
Mon Feb 23, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5310

Re: Prom budget for teenage girl?

I have an 18 month old daughter. I better start saving now!!! By the time my kid goes to prom it will cost the same as a wedding.

A lot has changed since I went to prom and that was only in 2003.
by Andyrunner
Fri Feb 20, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 5028

Re: Why do companies match 401K contributions?

My company recently added a 401k match. They did this because they redid the pension calculation, so it put less burden on the company but still kept the employee happy with a new match.
by Andyrunner
Fri Feb 20, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4591

Re: Dealing with Contractors

Thanks everyone. Fall was 10 feet and she landed head first, thank god she is ok with no long term damage. It just is an overlook to the front door and chandelier, so no stairs, but right next to the stairs. I highly considered just replacing it with a wall or half wall, but contractor said dependin...
by Andyrunner
Fri Feb 13, 2015 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 720

Re: Dealing with Contractors

This is the struggle, emotionally I want it done yesterday. Price is almost meaningless to me at this point. I do hear its hard for them to come out for a bid and it actually does sound like this guy is working on pulling together a bid and I want to give him a chance. This is where honesty and loya...
by Andyrunner
Fri Feb 13, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 720

Dealing with Contractors

First off I have to say I hate dealing with contractors because of my lack of experience on working with them. Backstory: My toddler had a recent accident where one of the spindles on our railing broke off and she fell down with the spindle to our first floor. She should be making a full recovery so...
by Andyrunner
Fri Feb 13, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 720

Re: Where to buy nice men's dress shirts?

I wear a lot of Lands End. Need to get them when they are on sale for good prices though. I hate how they do 30-40% off.
Brooks Brothers is good, but I'm cheap and hate paying $60-$90 for a shirt.
Charles Tyrwhitt I hear is awsome and I'm going to try them when my current selection wears out.
by Andyrunner
Wed Feb 11, 2015 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6473

Re: Unhappy With Job Raise

Don't take this the wrong way (I felt the same way one year in the real world), but enjoy the 3% raise, its pretty good these days. Unfortunatly even after one year experience and taking on more workload, you still havn't earned enough knotches in your belt to get a bigger raise. Your still at the p...
by Andyrunner
Fri Feb 06, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7851

Re: Should I ask for a raise? If so, how?

I'm not so sure on the powerpoint. If I was a manager and somone did that to me, Id be a bit annoyed, but everything varies company to company, manager to manager. Do you have an annual review coming up? Or one-on-one? This might be best time to discuss this instead of scheduling a specific meeting....
by Andyrunner
Wed Jan 21, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a raise? If so, how?
Replies: 11
Views: 1141

Re: What age did you pay off your "forever" home

We bought our what we expect to be out forever home at age 30 (about a year ago). At our current rate, our goal is to pay it off in 10 years. We have a young child and want one more. The one more might push it out a few years, but I'm hoping to pay it off in 15 max. We could put more into tax deferr...
by Andyrunner
Wed Jan 21, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4318

Re: Parents spending on grandkids

Thank you everyone. I figured issue 1 was non of my business. Plan was to leave it that way. Issue 2 with spoiling the grandkid, Ill have to see how a 2nd grandkid effects this (non baking in the belly that I know of), but boy do they spoil the kid. I really think its because they never had a daught...
by Andyrunner
Wed Jan 14, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1921

Parents spending on grandkids

So this is kind of a two tiered topic. I have two retired parents who live far away from us (3hr plane ride). They retired well several years ago, NY teachers with a good pension plan and a well funded 403b plan who retired down south. They are currently in the go-go phase of retirement and spend mo...
by Andyrunner
Wed Jan 14, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1921

Re: Is this an unreasonable quote for interior home painting

For a place that size, shouldnt cost you more then a few phone calls to friends, some beer and pizza.
by Andyrunner
Wed Jan 14, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4525

Re: Can we afford to buy a home?

Another thing to look at is how long do you plan to live in your current area? Is this the city you plan to live in for a long time? I have seen several friends in their mid 20's buy homes then switch jobs and move an hour away or across the country. After owning a home for only a few years and tryi...
by Andyrunner
Wed Jan 07, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3438

Re: Start a Roth IRA for Grandson

If he is using your tools to do the chores and you tell him when to do the chores and how you like them done the IRS will probably view him as an employee and not a contractor. :happy Another option is to just put the money into a 529 for him. It would obviously be for different purposes, but still ...
by Andyrunner
Tue Jan 06, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2160

Re: Appalachian Trail thru-hike in retirement?

Wife and I have spoke about doing this. Problem is we are still in our early 30's and our employer doesnt give us more then a 1 week vacation at at time. So unless we win the lottery (0% chance as we dont play) we will have to wait about 20 years. I just hope the trail is still around by then and ou...
by Andyrunner
Wed Dec 31, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4466

Re: Do any other men here regulalry use skin care products?

I have really oily skin. Its kind of scary looking at my pillowcase, you would have thought I cooked some bacon on it. I use some creams/wash to treat acne (result of oily skin, even at 30). It works but not perfect.

Winters also chap my skin and lips, so I use moisterizer.
by Andyrunner
Mon Dec 29, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3743

Re: Do you usually order beverage at restaurants?

I will order soda and the wife will order water. We drink out of each of our cups. I dont need a whole 16-24oz of soda.
by Andyrunner
Mon Dec 29, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7760

Re: Runners, Triathletes, Cyclists,...

Endurance racing is not for the faint of heart. He has told me stories of severe cramps, bloody diarrhea, kidney failure, vomiting, broken bones, pneumothorax, and lighting strikes. Some of the more organized races make you weigh in and take blood tests at aid stations to prevent this. But I draw t...
by Andyrunner
Sat Dec 27, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2145

Re: Runners, Triathletes, Cyclists,...

I have several friends who do ultras, mostly 50-100 miles. I personally don't do them. Too long and slow for me. Plus the training would piss off my wife too much. My friends who train mostly get 50-70 min runs in the week and on the weekend try to get two good long runs. Usually a 2hr run then a 4 ...
by Andyrunner
Sat Dec 27, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2145

Re: What doyou splurge on?

I'm definitely in contention for the single most frugal person on this board, but we splurge on athletic shoes and exercise equipment. My wife and I have between us about 20 pairs of good (purchased within the last 2yrs) athletic shoes; when I find a deal I generally get several pairs. Most of them...
by Andyrunner
Thu Dec 18, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25569

Re: Don't Peek

I thought this thread was about hiding Christmas presents....

I peek about once a month or so to make sure I am not maxing out of my 401k in October or November.
by Andyrunner
Thu Dec 11, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3989

Re: Why did you quit your job?

Left my first job out of college after 4 years. Dead end job at a big megacorp. I think that dept had ~30% turnover a year (most people were under the age of 25). I did the same tasks each month and it was very boring. It didn't help that each year the company said no bonuses or raises because of ha...
by Andyrunner
Thu Dec 11, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4589

Re: mortgage calculator with extra payment options

If you understand Microsoft Excel there is an easy template you can use. I think its under templates -> projects -> Project calculators -> loan calculator with extra payments.
by Andyrunner
Tue Dec 02, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: mortgage calculator with extra payment options
Replies: 17
Views: 1565

Re: High quality winter sock

IMO smartwool has dropped in quality over the years and the price has gone through the roof ($17 for a pair of socks? Really?). REI and Costco socks are good. Also if you can get socks on sierra trading post, steepncheap, for good prices.
by Andyrunner
Mon Dec 01, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: High quality winter sock
Replies: 35
Views: 2378
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