Search found 543 matches

by Andyrunner
Thu May 25, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 28
Views: 2339

Re: Suits: best bang for your buck?

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...
by Andyrunner
Wed May 24, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 43
Views: 1860

Re: Advice on kid's precalc learning

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.
by Andyrunner
Tue May 23, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2063

Re: Luxury Vinyl: Educate Me

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...
by Andyrunner
Mon May 22, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2063

Re: Luxury Vinyl: Educate Me

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.
by Andyrunner
Mon May 22, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2063

Luxury Vinyl: Educate Me

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...
by Andyrunner
Wed May 10, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 5853

Re: Buffett/IBM

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...
by Andyrunner
Wed May 10, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Employer health insurance - traditional vs. high deductible
Replies: 17
Views: 1078

Re: Employer health insurance - traditional vs. high deductible

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...
by Andyrunner
Tue May 09, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3174

Re: First 100 mile bike ride

Make sure your sporting some good quality bike bibs or shorts. I have some Desoto 400 mile bibs.
by Andyrunner
Tue May 02, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 3316

Re: buying dining table is hard

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!
by Andyrunner
Tue Apr 25, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1420

Re: Fiberglass batt in basement ceiling

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.
by Andyrunner
Tue Apr 25, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3231

Re: co-worker had a baby chipping in on gift- how much?

20 is reasonable, infants are expensive.

My co-workers did it for my wife and I. I also started the job 1 month before she was born. They gave us around $300 and with diapers, formula, clothes and other stuff, it went fast.
by Andyrunner
Sun Apr 23, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Dimmer Switch
Replies: 9
Views: 928

Re: Dimmer Switch

You need an led compatible dimmer switch. The old ones don't work with leds. Be ready they are around 20-25 dollars.
by Andyrunner
Fri Apr 21, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: How much to pay a housekeeper?
Replies: 23
Views: 2765

Re: How much to pay a housekeeper?

We have a cleaning lady that comes every other week. She spends ~4 hours cleaning our house and we pay her $80, which I'm told is a bargain. We also live in the midwest. Also I question, if they is basically self-employed, aren't they the one who determines what they charge? If you like them and tru...
by Andyrunner
Thu Apr 06, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3600

Re: How best to handle disrespectful employee?

I have not been in a commission sales position but I have done enough RFP's to learn that most sales guys oversell the products. It seems like it is pretty standard in the sales world. They also rarely understand the technical side of it, if they do understand the technical side, it reals them in a ...
by Andyrunner
Tue Apr 04, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3508

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

I have it good, really good. My employer allows PTO to accumulate over the years to a max of 1.5 years worth.[...] I doubt that you have it "really good", unless you are saying that you can accumulate over 78 weeks of PTO! There should be many employers out there who permit rollovers. You...
by Andyrunner
Tue Apr 04, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3508

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

I have it good, really good. My employer allows PTO to accumulate over the years to a max of 1.5 years worth. They let you cash any of it out at the end of each year if you want cash rather than time off, and when you leave or retire, they pay it all out. I'm actually shocked they keep doing this, t...
by Andyrunner
Thu Mar 30, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3308

Re: House buying- How to think about property taxes?

Yes, move to the midwest where property taxes for a 350k house are about $3k and just ignore the cost of property taxes when house hunting.

I don't see any other logical approach unless you want to get into the details. I'd just avoid the neighborhoods that have crime/school issues.
by Andyrunner
Mon Mar 20, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 5093

Re: Any downside in buying a brand new house ?

Things I noticed when debating this 4 years ago. 1)Builders usually just have a 1 year (legally required) warranty on the home. So if anything goes wrong after 1 year, your on the on the hook. 2) Premium in buying something new rather than used 3) Unless stated in the building process, builders will...
by Andyrunner
Thu Mar 16, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I invest or save for the next few years
Replies: 14
Views: 1089

Re: Should I invest or save for the next few years

Why not put just invest a little each month, so over 3-5 years you'll be invested. That way you might catch the correction during this time but also have enough to put in during the correction! Dollar Cost Averaging. As far as equity in a home, your young and single, chances are you will move to a n...
by Andyrunner
Mon Mar 13, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Flooring for Basement
Replies: 36
Views: 2390

Re: Flooring for Basement

I'm putting in a workout/gym room and am going to put this down: http://www.rubberflooringinc.com/rubber-roll/index.html?slc=7391&utm_source=google&utm_term=&utm_campaign=&utm_medium=cpc&utm_content=s_pcrid_142710152795_pkw__pmt__pdv_c_pprd_7391&gclid=CPCfp6Db09ICFRO1wAodRcEK...
by Andyrunner
Wed Feb 22, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 5539

Re: Does anyone else have (possibly too much) fun dealing with finances?

I enjoy it, but I am on auto-drive and enjoy watching. Once a month i put all of my investments in a spreadsheet to see how much they have grown/dropped. Since getting my first job in 2007, after years of stagnation/drop its actually exciting to see my investments actually start to return something ...
by Andyrunner
Mon Feb 20, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 23
Views: 2511

Re: Anyone have a house keeper?

We only have a cleaner (well worth it), but we have some friends who have a cleaner who I guess asked if they wanted her to do laundry and a few other things. I believe the lady comes once a week or so and does a number of tasks. To me, I think a challenge is teaching the kids that not everyone can ...
by Andyrunner
Thu Feb 16, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2285

Re: I may be a workaholic?

As I dig a little deeper, my addiction is to feeling needed, to having a purpose for existing on this earth, for having my expertise acknowledged and appreciated. If your financially set and enjoy doing what you do, why not use your skills (if possible) for some charity work, donate your expertise ...
by Andyrunner
Thu Feb 09, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best approach with Turbo Tax
Replies: 3
Views: 493

Re: Best approach with Turbo Tax

Thanks, I figured that would be the best bet just wasn't sure.
by Andyrunner
Thu Feb 09, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best approach with Turbo Tax
Replies: 3
Views: 493

Best approach with Turbo Tax

I'm starting my tax returns and working on the info. Last year my wife moved from one position within our company to another. As a result she received two different W-2's. Our parent company acts as the paying agent for its subsidiaries. Both W-2's have the same name and EIN, but at the bottom says:...
by Andyrunner
Thu Feb 02, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Career advice please: early 30's tech employee, new mom, confused
Replies: 36
Views: 4060

Re: Career advice please: early 30's tech employee, new mom, confused

As a father of a 5m and 3yr old I say go with option 3. My wife went to 4 days a week with our first child and then moved back to a 5 day work week with our second child, moving into a position where she wouldn't have to work nights and weekends, downside is instead of getting off at 3:30, she gets ...
by Andyrunner
Thu Jan 26, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1264

Re: ACA penalty affordability?

1A means a MEC was offered by the employer to "FULL TIME" employees only and the OP said that he did not work full time in 2016. Please confirm the above, OP. If you are still confused, I suggest that you get tax professional help in person. In my experience there is a difference between ...
by Andyrunner
Thu Jan 26, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1264

Re: ACA penalty affordability?

I apologize for my statement earlier, I thought you enrolled in your employers medical coverage for 2016 but you weren't eligible in 2015 because you were in a waiting period. 1A means they offered ACA eligible coverage to you 2G means you did not enroll. If you did enroll box 15 would have been fil...
by Andyrunner
Mon Jan 23, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with bonus
Replies: 12
Views: 1621

Re: What to do with bonus

Income is income.

I'm assuming her realtor is thinking she will be able to write off the closing costs on the place she would be buying. I wouldn't spend a few hundred thousand to save a few hundred on taxes.
by Andyrunner
Mon Jan 23, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1264

Re: ACA penalty affordability?

Your employer should be sending you a 1095-C showing your health care cost for 2016.
by Andyrunner
Wed Jan 11, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6918

Re: Where do you keep your emergency fund?

2 months expenses in checking 6 months expenses in savings 6 months expenses and growing in non-retirement S&P500 mutual fund. I have it auto set to add $500/month into the mutual fund, my thoughts are if the market crashes and it drops 50% I will still have 11-12 months of expenses to use. My w...
by Andyrunner
Fri Dec 30, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 7301

Re: Affordable home exercise

For the bike trainer, look at the fluid ones. They are less noisy. Kurt Kenetic is a great brand. For TV since all trainers gets noisy, I'd get cheap bluetooth transmitter and bluetooth headphones, you can get them for about $30 together. Also Id suggest a pull board over a door bar. Allows you do d...
by Andyrunner
Tue Dec 27, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Most sustainable vehicle
Replies: 44
Views: 2861

Re: Most sustainable vehicle

I've read somewhere that Toyota Tacoma's are the best in this case. The materials used to produce, their long life and fuel efficiency make them the best eco-friendly vehicle, even better than say a Prius (because those lithium batteries are terrible for the environment). Of course this is a few ye...
by Andyrunner
Tue Dec 27, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Most sustainable vehicle
Replies: 44
Views: 2861

Re: Most sustainable vehicle

I've read somewhere that Toyota Tacoma's are the best in this case. The materials used to produce, their long life and fuel efficiency make them the best eco-friendly vehicle, even better than say a Prius (because those lithium batteries are terrible for the environment). Of course this is a few yea...
by Andyrunner
Thu Dec 22, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 781

Re: grad student --> real job - tax issues ?

What is his medical coverage like? Is he under a subsidized medical plan on the public exchanges? Please explain what you are getting at ? He is considered a (grad) student, and gets his health coverage directly from the school - He is 26, and just recently did the required swap from our family cov...
by Andyrunner
Thu Dec 22, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 16
Views: 1955

Re: What to do with $10k bonus

Single guy living alone? I say 5k to the debts and 5k go have fun. Vacation, toy or something. life is short.
by Andyrunner
Thu Dec 22, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 781

Re: grad student --> real job - tax issues ?

What is his medical coverage like? Is he under a subsidized medical plan on the public exchanges?
by Andyrunner
Wed Dec 21, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What should I expect to happen during/after car loan payoff?
Replies: 14
Views: 1416

Re: What should I expect to happen during/after car loan payoff?

You should receive a lien release that you need to attach to your title for when you decide to sell it. You can pay for a new title that doesn't have the lien on it, but from what I understand attaching the lien release is just as good. This might vary depending on your state.
by Andyrunner
Mon Dec 19, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 5766

Re: Coach bag for wife - how to buy

This is one of the reasons I love my wife. She has no desire or sees the point in coach bags. She carries a cheap $30 one from the local Gander Mountain. To help you, my Costco is selling coach purses, I'm not sure how much cheaper they are compared to regular retail. Other option is go to a big cit...
by Andyrunner
Mon Dec 19, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 5316

Re: Water Heater Install $1,800!

Well called the guy to price match. He basically said you need to compare apples to apples. He installs Bradford White WHs, he could get Rheems but the customer service, warranty, and quality of Bradford Whites are superior to Rheems. After the standard un-educated google search I pretty much found ...
by Andyrunner
Mon Dec 19, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 5316

Re: Water Heater Install $1,800!

Well called the HD, they charge 1650. So I'll see if the guy can price match, He came out for a quote the same day so I kind of feel like as long as he can price match, he should get the business. As for tankless, Im not sure if this is a big deal, but we are in the upper midwest, which means the gr...
by Andyrunner
Mon Dec 19, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 5316

Water Heater Install $1,800!

My water heater started leaking on Friday. I called a local plumber he came over and quoted me at 1,850. This is flat installation, disposal, heater itself, everything. He said he can come today to replace it. After he left, I called another larger plumbing business in town and they charged me $1700...
by Andyrunner
Mon Dec 05, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7981

Re: Men's Fashion - Best Bang for Buck

I prefer Charles Thyitt for Shirts. When on sale best bang for your buck. I'm actually going quite the opposite of you. Early 30's realizing I wear a suit but no one outside of my small office area sees me, and those people that do see me don't seem to care at this point. I still sport the suit per ...
by Andyrunner
Tue Nov 29, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Buying a Basketball Hoop
Replies: 11
Views: 1057

Re: Buying a Basketball Hoop

1) In-ground, debated on it, but living in a windy area, we wanted it to stand up and not break. No regrets, easy to install, takes 3-4 hours tops. 2) We went with a nicer one. spent ~700. Mid-line in my opinion. Cheaper ones just looked like garbage and based on the salesman and research, you get w...
by Andyrunner
Mon Nov 14, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 16488

Re: Monthly grocery costs? How do you keep it low?

My family does not eat a lot of meat which helps. We stock up on canned beans, lentils (great ground meat replacement) and veggies. I think the biggest one is utilizing lentils. We make tacos, meat loaf, and meatballs with the lentils. Another factor I should point out is most of my meat is venison....
by Andyrunner
Tue Nov 08, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 612

Re: FSA for childcare -- worth it? Issues?

Yes, I have done it for the past several years as daycare is 9k+ a year. If I can make 5k of that pre-tax all the better.
by Andyrunner
Mon Nov 07, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Got a very wide range of plumbing contractor bids. Is this normal?
Replies: 19
Views: 1875

Re: Got a very wide range of plumbing contractor bids. Is this normal?

Interesting, I'll have to check out that site. I always want to go for a guy just above the lowest bidder because I always feel "you get what you pay for" meaning you might have an inexperienced guy just starting out and trying to get his name out there or someone who can't get any sustain...
by Andyrunner
Wed Nov 02, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 3934

Re: Best Ear Buds for Running

I always advocate let your mind just wander while running. No need for music, unintentionally you try and start running to the music which messes with your cadence and pace. Plus there is also the safety hazard.
by Andyrunner
Mon Oct 31, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Unused dependent care FSA?
Replies: 4
Views: 430

Re: Unused dependent care FSA?

Yep its gone, IRS rules. Company takes that cash you lost and puts it towards the plan administration. Don't worry, companies don't make a profit this way, it just offsets some of the cost. If they actually do make a profit, they put it towards the cost the next year. Again IRS rules.
by Andyrunner
Thu Oct 27, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: classy way to tell colleague's "I'm leaving for the money"
Replies: 22
Views: 2914

Re: classy way to tell colleague's "I'm leaving for the money"

kenschmidt wrote:They made me an offer I couldn't refuse.


In your best Godfather voice of course!

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