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Andyrunner

Yes, I pay 5.25 a month for all three major credit agencies. This is subsidized by me employer.

Andyrunner

Is directTV an option? We cut the cord this spring but I struggled to get an antenna working so I accepted Directv's offer. two years $50 a month for everything. My first order confirmation said I had one year at 50 and year two was 90. I called and complained that wasn't what they offered over the...

Andyrunner

Is directTV an option? We cut the cord this spring but I struggled to get an antenna working so I accepted Directv's offer. two years $50 a month for everything. My first order confirmation said I had one year at 50 and year two was 90. I called and complained that wasn't what they offered over the ...

Andyrunner

I would say 4 dollars savings is probably on the lower end. My standard lunch consists of: PP&J or some form of leftovers apple granola bar yogurt Total cost is about $3 Eating out for lunch to fill me is probably about 8-10 dollars. I'm 32 and bring lunch 90-95% of the time. When I was 24 and worki...

Andyrunner

I installed luxury vinyl in my basement a few months ago. Love it. Unlike laminate, it is 100% waterproof, the recommendation for cleaning it is with a mop. From the research that I did, LV is pretty much going to be putting the laminate market out of business over the next decade. The one thing to ...

Andyrunner

I got through the phone #. If you got a date for the future that basically means check back then. They need time compile the information.

Andyrunner

It was a 4k TV, with 120 hz.

Best buy had an LG at the same price refurbished and 4k, but it was a 60hz.

Thing is this TV has been owned for 5 days and is still in the box. I need to get the wall mount up.

Andyrunner

Figure I should post an update. Found a new Vizio 55 inch at Target for $550. On sale from $800, with my additional 5% target card, I got a pretty good deal. A 60 inch was way more money.

Andyrunner

I am not 100% sure, but I don't think the IRA contribution reduces the income. I suggest searching the IRS website for the answer.Here is their definition: Household income is the modified adjusted gross income of you, your spouse (if filing jointly), and any dependents who are required to file a ta...

Andyrunner

I look at our local Craigslist bike section daily. It is full of $600 bikes selling for $250 or $300 or less. I'd rather have a $1,000 bike for $300 or a $600 bike for $250 than a $600 bike for $600. Everyone talks about the great deals on craigslist, but I just can't find them. What I do find is s...

Andyrunner

Not to get into arguments or fights here but, I have to agree with stoptothink. As far as mountain biking is concerned, especially recreational and just dipping into a hobby, fit isn't nearly as important as competitive road biking or a TT bike. I'm no bike fit expert, but I felt like I was reaching...

Andyrunner

Thanks all:

Sounds like the refurbished price might be a look into. Plan right now is to walk into Best Buy tomorrow and just ask: what do you got on display that I can walk home with right now.

Now the question is 55 inch or 60inch+

Andyrunner

awval999 wrote: ↑
Wed Aug 30, 2017 8:01 am
I mean TVs are so so cheap.

So is my wife, which is why I'm going this route. I'm trying to get the largest TV for the least amount of money.

Andyrunner

Thank you for all the replies! I will look on CL for a used one. I did some deep thinking after reading all the feedback and came to realize I should spend a little less to get my feet wet. I'd look for a local facebook group as well. In Minnesota there is the Twin Cities Bike Trading Post. If you ...

Andyrunner

Anyone ever purchase a refurbished TV? Are there any downsides? Looking at getting a new TV and when browsing Target online, I can get a refurbished TV for about 30-40% less than a brand new one. We don't watch TV much and from what I read, the benefit of 4k tvs really won't take effect for several ...

Andyrunner

You can go here and find a little bit of a better bike for less money: http://www.bikesdirect.com/products/gravity/fsx_2.htm $380 for a full suspension bike with most of the same components otherwise. The bike shop near me, fits and buys from BikesDirect.com, they assemble and offer lifetime mainte...

Andyrunner

Most bang for your buck in that price range would be something used. Unfortunately, you would also need to know someone who knows what to look for in a used bike. I have an older version of the rockhopper and it has held up in single track, but its heavy and doesn't shift the smoothest. After a year...

Andyrunner

From what I have heard, if it is unseen (piping, framing wood, electrical wire, etc) Home Depot as they are cheaper and supply the same stuff. If it is seen, (lights, sinks, tile, etc) go to Lowes as they have a better selection and quality. If your strictly looking at cost, go to Menards during an ...

Andyrunner

Another point to consider is if you are moving from HQ to a regional office. There might be some factors regarding that in terms of pay, corp politics and future job growth.

Andyrunner

Maybe I'm misunderstanding it. You want to put a 2nd sheet of drywall over the popcorn ceiling? Won't that make the ceiling shorter?

Andyrunner

I just finished my basement myself. I learned to frame, install electrical wiring, hvac ducts, basic plumbing ( I hired this out but learned a lot), painted, laid flooring, stained and installed trim/ doors and even a small railing. I knew nothing before this, I asked a lot of people, read books, Yo...

Andyrunner

You doing residency after school? Unless you want to work in retail pharmacy you will need to do residency. If you do residency then you will have NO TIME to be a landlord or funds to pay for a mortgage and student loans. Don't do it. Keep renting. Edit to add: sounds like you won't have student loa...

Andyrunner

I have 2 of these:
http://www.homedepot.com/p/Everbilt-Vin ... /202305571

and 4 of these:

https://www.amazon.com/Delta-Leonardo-M ... 4725963011

Andyrunner

Is your house suitable for an elderly person? I'm thinking stairs and main level bathroom/shower. Im even thinking 1-2 steps vs ramp to get into the house. Can you expand your house that much based on property size, is it worth it resale value, etc. Getting along with the mother vs living with the m...

Andyrunner

I mainly gravel ride but I have a mtn bike and bought a fat bike for this winter. 1) stay in the saddle and KEEP PUSHING. Most of the reason why I can't make it up the hill is because I don't believe in myself and think the bike will fall over since Im gong too slow. Just stay in there and worst cas...

Andyrunner

Better bikes have the quick release skewer and a little tab on the brakes you can use to open the brake wide enough to get a fully inflated tire on /off. Takes me a minute to take the front wheel off Or take it one step further and get a bike with a front disc brake. There is nothing in the way of ...

Andyrunner

I have had a roof rack and hitch mount. Hands down hitch mount. Roof rack, even the lightest bikes get heavy and annoying to get up there. Also there is the concern of pulling into the garage with the bikes still on there (wife did that day after I installed the roof racks). Hitch mount is quick and...

Andyrunner

Personally, We try to limit the Ipad for our daughter as much as possible. Now for ideas, just do whatever sounds crazy, set up a tent in your living room, let the imagination go! Bring in a kiddie slide! Ride a bike. Let them play in the sink. kid projects, google or pintrest ideas, make sure you h...

Andyrunner

Do people really change their oil that much?

I bought my Toro from the previous owner, he used it for 3-4 years, I have had it for 8 years. I have changed the oil maybe twice? Runs like a champ.

Andyrunner

It went great! With the exception of the extra travel time between parks and a big annoying issue with the rental car seats, everything went really well. Temps were in there 80s and sunny every day were were there. First hike we did was to hurricane ridge, older one did about half the hike, we broug...

Andyrunner

My wife and I left State Farm two years ago. Between home and auto we saved 1000. We used a local independent agent who shopped around. Olny reason why we kept staying with State Farm was because her uncle worked there and her paranoid mom was afraid of some unknown insurance companies. The 1000 sav...

Andyrunner

Some good bargains can be had from BikesDirect.com. My local shop is kind of a dealer for them, and I purchased a nice road bike from them for around $500 (Gravity). Its an AL frame with carbon fiber forks and front and rear disk breaks. Comparing notes with a co-worker he paid about 1500 for a sim...

Andyrunner

There is very little profit margin in new bike sales at brick and mortar stores (so I'm told). Labor and accessory sales is reportedly where they make their money. Four I have heard the same. Maybe a few hundred dollars profit on a 3-5k bike. Guy I know started a mobile bike shop. Converted a Ford ...

Andyrunner

I have also seen a couple mentions here and online for Nashbar brand bikes. Any additional comments on those? I have two bikesdirect bikes. Love them, much cheaper then the bike shop and are solid bikes. They are made in the same factories as most name brands. There is some work involved to put it ...

Andyrunner

I wouldn't. A lot can happen over the next 15 years. That money may not be there. Personal example: my grandparents said to my dad thatthey will pay For my brothers and my college. he kept contributing to my and my brothers 529s anyway. Both grandparents passed before we went to college and my uncle...

Andyrunner

Thanks all for the input. I guess my wife and I were thinking that if its summer in Minnesota, its at least spring everywhere else! At least we prepared and bought two new rain coats! My wife and I are pretty tough hikers, before kids our vacations were 10-12 mile day hikes at rocky mtn national par...

Andyrunner

It looks like Ohanapecosh visitor center is about 40 min closer than paradise. Is this one worth stopping at? I'm expecting to get a max of 3 miles out of my older one. Little one will be on a backpack that I hope I can get through an airport.

Andyrunner

Family and I will be taking a trip next week. Home bases will be in Port Angles and Packwood. I was able to book two different VRBOs in these areas. We will spend 2-3 days in each park. Does anyone have any advice on hikes/family outings/etc.? Our kids are 3 and 10 months. So our hiking will be very...

Andyrunner

As others said, there is a big difference between price and quality. I prefer Lands End and Charles Thyrwitt shirts. Great price, high quality, last forever. As far as dress shoes, I can't imagine spending $300 on shoes but I have heard EAllens are the best. I still buy $90 shoes on clearance for 40...

Andyrunner

Depends on the job and the vulgarity. Is it a boy going into a blue collar job? Or is it a girl who will be driving the beer cart at a golf course and will see catcalling and be hit on? Id be ok with the swearing and general bluecollar stuff. Id respond with, its not how i speak but i can tollerate ...

Andyrunner

Do you have any local suit stores around? My neighbor owns one and I find his $300 suits perfect. He will charge about $50 for tailoring and it fits me sharp. Nice part is he can special order sizes too. I'm a 36 short, so its a bit challenging to find my size. Last suit I bought from him was a slim...

Andyrunner

Know any friends with kids in college?

Having a college kid might motivate your son a bit more, the college kid will advise how he/she learned. Plus I bet the college kid is about half the price of a teacher.

Andyrunner

Thanks for the good info. I'm going to take a look at menards tonight and see what they have. I have heard lots of terrible things about LL from other people so I'm going to avoid them. I guess if the product is poor, they run away and do everything possible to avoid a refund. Good info on the dents...

Andyrunner

Thanks for the input. Follow up question, is everything Lumber Liquidators sell is cheap quality? Stuff I'm looking at is $3.19 a square foot!

I might swing by HD today to see if I can find something close to what they have.

Andyrunner

In the process of a basement finish and for the extra bedroom I'm looking at using it as a workout room. Passed on the option of rubber flooring and going to make it a hardwood floor. Everything I read is for a basement floor go with laminate or LV. Sounds like LV is everything laminate is, but bett...

Andyrunner

I worked for IBM from 2001-2015. Fortunate enough to buy up a lot of shares during most of that run, as it was basically a steady increase in stock price from roughly '01 through '12 primarily under the Palmisano regime. Fundamentally, they had a very good business model - heavy in on long term sit...

Andyrunner

Agreed with others. HDHP premiums are always lower than the traditional plan. I'd double check that. I didnt see a OOP max for the traditional, how does that compare to the HDHP. Also with having two kids under the age of 5, I would factor in at least one ER visit a year. If both kids are boys, fact...

Andyrunner

Make sure your sporting some good quality bike bibs or shorts. I have some Desoto 400 mile bibs.

Andyrunner

I'll give the advice my boss in college told me with starting my first job:

Buy a pool table and put a piece of ply-board to put over it. Now not only do you have a big dining room table, but you also have entertainment for after dinner!

Andyrunner

I'm actually surprised there are batts in there already!

I am finishing my basement and filled mine with batts, more so for a sound barrier.

I vote for leave them or upgrade them.

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