Search found 521 matches

by Andyrunner
Thu Feb 16, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2038

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: 462

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: 462

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: 3778

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: 1143

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: 1143

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: 1535

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: 1143

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: 6417

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: 6571

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: 2715

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: 2715

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: 748

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: What to do with $10k bonus
Replies: 16
Views: 1877

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: 748

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: 1293

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: 5353

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: 4948

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: 4948

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: 4948

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: 7308

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: 824

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: 15625

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: 555

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: 1774

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: 3493

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: 415

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: 2831

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!
by Andyrunner
Thu Oct 27, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2270

Re: I need career and financial advice

How long have you worked for them? 9 years $50k for an architect with 9 yrs experience!!?? I imagine it might have a bit to do with your location...but wow that seems ridiculously low to me. Agreed. I think you will have a lot of leverage if you get an offer from an outside company. I'm sure you kn...
by Andyrunner
Thu Oct 27, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2270

Re: I need career and financial advice

Having not run a business or anything my first thoughts are to tell your bosses in a nice but obvious way that there is no possible way you can save enough money to buy the business from them with that salary and a family unless they are doing some work for equity type plan that they haven't told yo...
by Andyrunner
Tue Oct 25, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 13
Views: 1497

Re: Finishing a Basement

Thank you all, its been a few days since I have been able to get back online. Basement is a walkout basement, half underground. The walls are already insulated and there is a set up for the bathroom (pipes for water, drain, etc. ) There is a HVAC system already heating it, basically the place needs ...
by Andyrunner
Fri Oct 21, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 13
Views: 1497

Finishing a Basement

I'm starting to get the itch to finish my basement, make an area to send the kids downstairs to run and play. Plus an additional bedroom to be used as a workout area. Previous owner left the blueprints of the house so we really have the concept that we would do. At this point I'm looking at 3 option...
by Andyrunner
Thu Oct 20, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice part 2 (ego, startup, hedge funds)
Replies: 97
Views: 10254

Re: Very tough career choice part 2 (ego, startup, hedge funds)

Based on what I have read I say make the job jump ASAP. Delay as much transitioning as much as possible.

If they need your knowledge to survive, get them to pay you consulting rates after you have left.
by Andyrunner
Wed Oct 19, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Two stage Snowblowers -- 22" or 28+"?
Replies: 40
Views: 2579

Re: Two stage Snowblowers -- 22" or 28+"?

Go big or go home. Get the 28 incher.
by Andyrunner
Mon Oct 17, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Quality Men's Dress Clothing
Replies: 51
Views: 6649

Re: Quality Men's Dress Clothing

I get my shirts from charles tyrwhitt. Best shirts in my opinion. They are cut a little slimmer.

Suits I get from my neighbor who owns a suit shop in town.
by Andyrunner
Mon Oct 10, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Survey from Employer
Replies: 6
Views: 722

Re: Health Insurance Survey from Employer

I work a lot with medical plans so here is my input: 1) Generally at least 60% of actuarial value. This is to remain compliant with ACA. 2) Could be radically different based on spouse or child. Spouses are generally cost more than kids. Also depends what types of options the health plan offers. (em...
by Andyrunner
Tue Sep 27, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 15752

Re: Does it matter what type of college one goes to?

I think it matters if they are in a Nationally recognized school, like the ones you mentioned - Ivy League, Notre Dame, Stanford, Duke, Georgetown, CalTech, etc. These schools will stand out on a resume, and will have a large impact on their future success. Once you're out of the top of the top tie...
by Andyrunner
Thu Sep 22, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 41
Views: 4418

Re: Bad Supervisor - Involve Union?

I've never dealt with our union before, other than paying my dues. You pay those dues for a reason. Use it! I spoke with the local union rep and he advised me to write down my concerns for him to address. He had some choice words about my current supervisor and indicated he has had to address sever...
by Andyrunner
Wed Sep 21, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2968

Re: Baby deals

breast milk, if it fails generic brand formula
cloth diapers
garage sales for clothes
cut up old towels for burp clothes
make your own baby food
just take the kid to the pool for the first 3 years of their life, they don't teach you much in swimming lessens before that.
by Andyrunner
Wed Sep 14, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11562

Re: Favorite Coffee

Aldis house blend.
by Andyrunner
Thu Sep 08, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ditching cable/satellite, am I thinking correctly?
Replies: 9
Views: 753

Re: Ditching cable/satellite, am I thinking correctly?

Thanks, this help so far. We don't have smart tv's so I think we will need something. I currently have one chromecast but will need another. We have two TV's, one for the family room the other in the basement for those long winter treadmill runs and bike trainer rides. Looks like our transmitters ar...
by Andyrunner
Thu Sep 08, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ditching cable/satellite, am I thinking correctly?
Replies: 9
Views: 753

Ditching cable/satellite, am I thinking correctly?

Looking at making the jump away from DTV. School me on how to do this properly. We live in a suburban area edge of the city (cornfields behind us). What I'm thinking is getting an outside antenna and putting it where the dish is (half way up our house). It faces away from the city to the west, so th...
by Andyrunner
Wed Sep 07, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?
Replies: 27
Views: 4294

Re: How did your 401k fund grow from 2006 to 2016? please share. did you come out fine for 2008 crash?

Started my first real job in 2007. So 401k started at zero, now its about $145k. Doesn't really help what your looking for :)
by Andyrunner
Fri Sep 02, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Road bike
Replies: 29
Views: 2715

Re: Road bike

I would start off by looking around on craigslist. Watch it daily and you can find a decent used one for under $1k. Just make sure you know your size. It is easy to catch the bug and start going longer and wanting a better bike. If you have a friend who knows what they are doing when working on bike...
by Andyrunner
Wed Aug 31, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: bad economic news good for stock market?
Replies: 11
Views: 1268

Re: bad economic news good for stock market?

Bad news sells, good news does not, that is why you see so much more bad news. Media companies are in the business to sell ads not inform people. That is my cynical view on the media.
by Andyrunner
Thu Aug 25, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Play account at Robinhood.....less than $100
Replies: 22
Views: 1640

Re: Play account at Robinhood.....less than $100

I'm guessing your buying very small inactive stocks and the spread is quite big.

If you want to make any money on trading you need to cover your trading costs, with only $100 that is quite a challenge.
by Andyrunner
Wed Aug 24, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not worth putting into Dependent Care FSA in my situation?
Replies: 30
Views: 2197

Re: Not worth putting into Dependent Care FSA in my situation?

My employer has a dependent care FSA but not a 50% discount on child care. Let me make sure I am reading this correctly: 12k discount is a taxable benefit - 5k dependent care FSA 7k total taxable income/benefit What they will do is calculate the income of the 7k to be added onto your W2 (its better ...
by Andyrunner
Mon Aug 22, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Please, please advise...Health insurance terminated by insurance company
Replies: 45
Views: 3760

Re: Please, please advise...Health insurance terminated by insurance company

My best advice would be to go to your local congressman, who is hopefully in favor of seeing the public exchanges succeed. Issues like this can cause the public exchange to collapse. Explain the disconnect between the exchange and health insurer, this will get the congressman on HHS.
by Andyrunner
Fri Aug 05, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare career advice – Admin or NP?
Replies: 16
Views: 1570

Re: Healthcare career advice – Admin or NP?

Agree with the previous post. Where do you want to go? Patient care or business admin? Another thought is, if you go into business admin, are you willing to lead and manage people? Most of the time the extra stress/hours don't equate equally in pay. Finally, are you in a union? Will you be out of th...
by Andyrunner
Wed Aug 03, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Community Solar [Should I buy a solar farm]
Replies: 13
Views: 964

Re: Community Solar [Should I buy a solar farm]

Almost sounds like a scam. As far as the comment on wind in MN, yes there are several wind farms already in southern MN. These are generally in the middle of corn fields so land is more valuable producing corn rather than solar energy. Thinking of putting solar panels in tornado country just sounds ...

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