Search found 438 matches

by Andyrunner
Fri Jan 29, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What age did you start maxing out your retirement contributions?
Replies: 65
Views: 4727

Re: What age did you start maxing out your retirement contributions?

28 about. I'm 31 now.

Only max out my 403b. Don't contribute to IRA because I have a nice pension and rather pay off mortgage.
by Andyrunner
Wed Jan 27, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1916

Re: Denver Vacation (with 6 year old)

You're only a few hours away from Rocky Mountain National Park. I highly suggest going there and spending a day or two. A six year old can do some of the shorter hikes, see some waterfalls and wildlife. Second Trail Ridge Road. I suggest you see if you can get a guided bus instead of drive it yourse...
by Andyrunner
Mon Jan 25, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10783

Re: Do you pay for exercise?

I actually pay quite a bit. We pay a 175 gym membership, but this place has two indoor pools (family and lap swim), an outdoor swim park, basketball courts, racquetball courts, huge gym and large play area for kids between 1-12 years old. We mainly use this place to entertain our daughter and get he...
by Andyrunner
Tue Jan 12, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Winter running gear suggestions
Replies: 31
Views: 1547

Re: Winter running gear suggestions

Windproof briefs - I can't believe more runners don't invest in these. http://www.amazon.com/Asics-Windboxer-Charcoal-Medium-Large/dp/B00IPG6S6G/ref=sr_1_2?ie=UTF8&qid=1452618617&sr=8-2&keywords=wind+briefs Trail shoes, they keep the moisture out a bit better and have a bit better grip....
by Andyrunner
Mon Jan 04, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of being Employee vs Independent Contractor
Replies: 5
Views: 358

Re: Benefits of being Employee vs Independent Contractor

Agree with texasdiver.

If you do want to bring it to their attention, bring it up as your looking out for their backs as the liability is on them and the IRS is being more aggressive on this contractor vs. employee thing.
by Andyrunner
Tue Dec 22, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 12142

Re: Biggest lucky break in your personal finances?

1) college alumni offered me a job on the spot before a basketball game (first real job) 2) MBA classmate put in a good word for me with her boss for a job interview (now have an awesome pension and job security) 3) parents paid for college though I think I would have tried harder if I had more skin...
by Andyrunner
Fri Dec 18, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Continue to work or stay at home?
Replies: 28
Views: 1884

Re: Continue to work or stay at home?

another option to consider is health insurance. Is your companies plan better than his? How secure is his job vs. yours?
by Andyrunner
Thu Dec 03, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30759

Re: Vanguard dropping TurboTax discount

Surprised Vanguard has to pay TurboTax for this. TurboTax should use this as cheap marketing and a referral service and increase their sales.
by Andyrunner
Thu Nov 19, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 5613

Re: Are Subarus reliable?

I have a 2013 outback. I noticed the oil burning issue and was told I was 1-quart shy of full. Now I just check the oil level once a month and plan to add oil as needed. Not to take the thread too far off topic, but have you had and Oil Consumption Test performed? There are TSBs from Subaru about t...
by Andyrunner
Thu Nov 19, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2534

Re: Recommended Snow Tires

We got my wife Blizzak for her Corolla last year, they did so well I just ordered some for my Outback. Snow tires are MUCH better than AWD.
by Andyrunner
Thu Nov 19, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 5613

Re: Are Subarus reliable?

I have a 2013 outback. I noticed the oil burning issue and was told I was 1-quart shy of full. Now I just check the oil level once a month and plan to add oil as needed.
by Andyrunner
Fri Oct 30, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: Invest in cattle futures?
Replies: 51
Views: 2967

Re: Invest in cattle futures?

A cattle's future looks very bleak to me. Most people find they are worth more split up into different pieces and a bit more refined. So they often end in a up in a slaughterhouse.
by Andyrunner
Tue Oct 13, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Allowance for college kid
Replies: 67
Views: 3300

Re: Allowance for college kid

In my opinion there should be no allowance for the college kid. The goal of college is to prepare them for the real work/life world. Cutting the cord on a financial allowance is one these steps. The student needs to learn to manage his/her bank accounts, credit accounts (if any) and learn that money...
by Andyrunner
Fri Oct 09, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: How far would you drive for good deals?
Replies: 11
Views: 789

Re: How far would you drive for good deals?

Not worth it. Unfortunately with kids clothes on craigslist its really a big gamble. Sometimes they will only show you the nicer looking clothes and the others look like they went through 20 kids. Also the seller may back out, not show up, etc.
by Andyrunner
Fri Sep 25, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: IRS cannot 'verify' Obamacare credit for 2014??
Replies: 44
Views: 3185

Re: IRS cannot 'verify' Obamacare credit for 2014??

Being one of the people helping our company produce the 1095 statements to employees. Wow, this is very scary. All I can do is say best of luck.

The 1095-A should say if your subsidy eligible or not. That is one of the main points of the form.
by Andyrunner
Fri Sep 25, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Live close to work AND in a good school district?
Replies: 57
Views: 3169

Re: Live close to work AND in a good school district?

Your problem is that you work downtown in a fairly large city with poor schools. There are some folks that live near major cities, but their office is located in a nearby suburb of the major city. For example, Scottsdale, Arizona and Chandler, Arizona are both near Phoenix, but Scottsdale and Chand...
by Andyrunner
Thu Sep 24, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on adding extra to mortgage
Replies: 26
Views: 1817

Re: Thoughts on adding extra to mortgage

A few years behind you (30yrs old and one kid). I'm putting an extra mortgage payment per month on the mortgage with the intent of paying it off in 8 years. I also put 50% of a mortgage payment in a taxable account.

Now if we have a second kid...well there goes that plan.
by Andyrunner
Fri Sep 18, 2015 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Do lenders contact your employer?
Replies: 24
Views: 3009

Re: Do lenders contact your employer?

Bank will just verify employment and that's it. It shouldn't mention the loan. If you work for a large company, there is a good chance this is contracted out to a vendor. All the vendor knows is that you are employed there and maybe some info such as address and start date. This is one of those ver...
by Andyrunner
Fri Sep 18, 2015 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Do lenders contact your employer?
Replies: 24
Views: 3009

Re: Do lenders contact your employer?

Bank will just verify employment and that's it. It shouldn't mention the loan. If you work for a large company, there is a good chance this is contracted out to a vendor. All the vendor knows is that you are employed there and maybe some info such as address and start date. This is one of those very...
by Andyrunner
Wed Sep 09, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ran an in home day care?
Replies: 37
Views: 2460

Re: Has anyone ran an in home day care?

My child attends an in-home but we don't run one. I'd pay particular attention to the laws and licensing. Its unreal how much they need to go through. laws I noticed: CPR trained, SIDS trained, etc. In my state at age 2, they can only be given skim milk, there are surprise inspections from the count...
by Andyrunner
Thu Sep 03, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 6
Views: 484

Re: Facebook Groups: Does anyone know why you create Groups?

Sounds like spam

Only group I'm part of is a neighborhood group. Here we talk about when to do group yard sales, national night out, things to discuss at the city council, and even once or twice a random dog off its leash and owner was looking for it.
by Andyrunner
Fri Aug 28, 2015 2:15 pm
Forum: Investing - Theory, News & General
Topic: Humans 1, Machines 0
Replies: 4
Views: 743

Re: Humans 1, Machines 0

Dandy wrote:Since humans program the computers it is more like a tie.


It's only a matter of time before skynet becomes self-aware
by Andyrunner
Fri Aug 28, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 70
Views: 7076

Re: Dear In-Laws: Less toys, more 529

Wish I could help. My parents are obsessed with my daughter (they raised 3 boys). Its not toys but its clothes, my daughter has so many summer dresses and she never wears them. She has so many clothes that she could go a whole season without re-wearing something. Its a bit much. Issue is I know its ...
by Andyrunner
Thu Jul 30, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 1460

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due d...
by Andyrunner
Thu Jul 30, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 1460

Re: Newborn Health Insurance Questions

1) Correct, you generally have 30 days to enroll them. Shouldn't really be any benefit to do it the next day vs. day 30, unless of course you are forgetful (and being extremely tired, you might forget). Going through the appeal process after the 30 days will be very rough. As for premium, it varies ...
by Andyrunner
Wed Jul 29, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Any COBRA Experts? Will This Plan Work?
Replies: 9
Views: 496

Re: Any COBRA Experts? Will This Plan Work?

I'm not an expert on the individual ACA mandate,but I think you would be risking yourself to fines for being uninsured for the month of September. Starting this year, your employers/insurance company will report to the IRS which months you were enrolled in their medical coverage. Depending on the si...
by Andyrunner
Mon Jul 27, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 4632

Re: FWD vs AWD

FWD is good, AWD is better, snow tires are the best.

My wife has a Corolla w/ snow tires and I have an outback. Her car is better on the ice and slick snow. My car is better getting through heavy snow patches and unplowed streets.
by Andyrunner
Fri Jul 24, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3355

Re: Easy lunch brownbag ideas

My standard lunch is: -PB&J Sandwich -Yogurt -fruit (pear, apple, banana, etc) -Granola bar Once and a while Ill change it up and buy some cold cuts and sliced cheese. I also have the opportunity to eat this throughout the day. Snack at 9am, Lunch around 11, snack around 1-2. Unfortunately I'm u...
by Andyrunner
Mon Jul 20, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 35
Views: 3215

Re: Anyone else drive a Tacoma?

The kicker is that not 6 months later I got something in the mail about a massive recall on those model years for drivers in the Northeast, and the entire frame would be replaced for free. I got that recall notice. Unless the frame was really bad (big holes in it), they would just put a special coa...
by Andyrunner
Mon Jul 20, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 35
Views: 3215

Re: Anyone else drive a Tacoma?

I had a 2002 Tacoma for 7 years. This was the Tacoma that was an actual compact size pickup, similar to the ford ranger. Now they are huge. When I had a kid I had to get a vehicle that could fit more than 2 people. I miss that truck... I've had several Toyota pickups: 1990's with the manual hubs, 2...
by Andyrunner
Fri Jul 17, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 35
Views: 3215

Re: Anyone else drive a Tacoma?

I had a 2002 Tacoma for 7 years. This was the Tacoma that was an actual compact size pickup, similar to the ford ranger. Now they are huge.

When I had a kid I had to get a vehicle that could fit more than 2 people. I miss that truck...
by Andyrunner
Fri Jul 17, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4755

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

My wife was told she was overdue for a 60k checkup (she's at 75k). Spoke to a friend who is a mechanic for another car dealership and he pretty much just said besides the oil change and tire rotations there isn't much they will do that is worthwhile, the rest is just upselling.
by Andyrunner
Wed Jul 15, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 5086

Re: Are the more expensive bikes worth paying for?

All good info. As for locks. I have rocky mounts on top of my car with locks in the front fork. Just make sure you don't do what my wife did and drive into the garage with the bike still on top. Also treks have serial numbers on them, I'd write it down and keep it somewhere safe. This can help when ...
by Andyrunner
Tue Jul 14, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4846

Re: Having Trouble buying big ticket item

Yes, an athletic club membership costing 2k a year. It took us 2 years to finally join. I think its a good thing though, if it was easy for you to write a $7k check for a toy your portfolio would be much smaller and you may even be living paycheck to paycheck. Why is your wife against it? Does she f...
by Andyrunner
Mon Jul 13, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1199

Re: Voyageurs National Park Vacation

Oh and I planned on registering the kayak ($30 for 3 years) I just bought the kayak on a Sunday and wanted to go out that day when the DMV was closed.
by Andyrunner
Mon Jul 13, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1199

Re: Voyageurs National Park Vacation

No experience with Voyageurs NP specifically, just Boundary Waters further east. [list][*]You might want to contact outfitters near Kabetogama & Voyageurs about trails, fishing, and canoe rentals. Even in the National Park, the canoe has to have a Minnesota or other state registration sticker, ...
by Andyrunner
Sun Jul 12, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1199

Re: Voyageurs National Park Vacation

Thanks all. I figured the bear spray would be a bit much but better to ask rather than find out the hard way. SailorJerry, we are staying at PineAire resort. Its one of the few that had a small enough cabin and accepted shorter than a 1 week stay. We are thinking of renting a boat from them for a da...
by Andyrunner
Sun Jul 12, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1199

Voyageurs National Park Vacation

Wife and I are spending 4 days up near Voyageurs NP. We booked a cabin on Lake Kabetogama. Plan is to do mostly hiking and some fishing. Anyone have any advice on trails, fishing (we mainly do river fishing on the Mississippi) and other stuff? Do we need bear spray? Any other attractions? Places to ...
by Andyrunner
Wed Jul 08, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 8264

Re: Suze Orman Show Summary

I actually had a friend call in and ask a question. That's the only segment I watched. He wanted to buy his girlfriend a 11k Tiffany engagement ring. Girl was obsessed with Tiffany jewelry. He was going to finance half of it and dip into his emergency fund for the other half. Smartly enough she gunn...
by Andyrunner
Tue Jun 30, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 31
Views: 3374

Re: Purchase '98 Toyota Camry?

Do you live where they salt the roads? If so one thing to think about is underside corrosion. Would get it on a lift to get a good look at it from underneath. Agreed. My 2002 Tacoma had an issue with the frame rusting. Recall went back 10-15 years for the Toyota trucks, not sure if Camrys were an i...
by Andyrunner
Tue Jun 30, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Will removing a wood burning stove reduce my home value?
Replies: 16
Views: 2080

Re: Will removing a wood burning fireplace reduce my home value?

My old house had a wood burning fireplace. If you remove it, you should see if you can get a good price drop in your home insurance. When I was looking at new houses real estate agents told me almost all new builders refuse to install wood burning fireplaces and most of the new fireplaces are gas. I...
by Andyrunner
Thu Jun 25, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 30041

Re: What ratio are you stocks/bonds and how old are you?

80/20 age 30. Wife and I are currently vested in a pretty good pension which allows me to be a bit more aggressive than age in bonds. If the pension ends or changes for the worse by the time we retire hopefully the more aggressive portfolio makes up for that.
by Andyrunner
Wed Jun 24, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 84
Views: 8790

Re: Most Economical Way to Handle the Lawn

Sometimes I just want to install turf. No more lawn mowing and green grass all year around. I'd say buy the equipment. Most of the stuff you can get on craigslist in good condition. You can put a small amount of effort into a lawn and have a nice enough lawn or you can put tons of effort into a lawn...
by Andyrunner
Wed Jun 24, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 9300

Re: Money arguments with spouse and how did you resolve

Fortunately we have never had any major arguments as we both generally are on the same page. Most of our good money discussions come from evening walks around the neighborhood. Its a good relaxing activity that makes talking about these things a bit easier. A more complicated money decision leads to...
by Andyrunner
Thu Jun 18, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 5169

Re: New to Golf

Hitting a driver is very challenging, it requires good strength and form, much harder than a 9-iron. Lessons are a very good way to start, see if you can get some group intro lessons and then once you got the game down move up to private lessons. As far as clubs, I don't really know (mine are hand-m...
by Andyrunner
Thu Jun 18, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Life claim denied
Replies: 40
Views: 4190

Re: Dependent Life claim denied

I spoke with relative who works in HR, she said contact my HR and get them involved. I'm really sorry for your loss and having to deal with this nonsense.... However - HR is NOT there to protect the employee, so be wary of involving them. I agree with the comments above to file a complaint if they ...
by Andyrunner
Wed Jun 17, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Going Part time
Replies: 26
Views: 3562

Re: Going Part time

If I work an average of 30 hrs/week my health insurance cost remains the same and I receive prorated annual leave, sick leave, etc. I have not requested this yet so don't know all the fine details. I'm assuming the 30hrs a week for health insurance is due to the ACA employer mandate. As one very fa...
by Andyrunner
Tue Jun 16, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6868

Re: Most Beautiful Nature Destinations

Wife and I have a goal to see every national park in the US. Not sure if it will happen as I have other destinations in mind as well.
by Andyrunner
Mon Jun 01, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 2700

Re: Kayak Recommendations

Make sure you check with your state to see if it needs to be registered. Nothing like getting pulled over by the DNR game warden (who out paddled me in his canoe) and getting a ticket for an unregistered kayak. Yes he did get out of his canoe in waders and walked over to my kayak. $120 ticket. $35 f...
by Andyrunner
Fri May 29, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 7073

Re: Behavioral finance and restaurants

15 minutes.

But you can get to any restaurant within my city in 15 minutes. You have to travel through 90 miles of cornfields to get to the next city with anything worthwhile. We won't make special trips that far to go eat.

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