Search found 513 matches

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: 6041

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: 6449

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: 2678

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: 2678

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: 715

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: 1799

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: 715

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: 1249

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: 5257

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: 4860

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: 4860

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: 4860

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: 7152

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: 788

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: 15227

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: 528

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: 1741

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: 3417

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: 400

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: 2794

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: 2239

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: 2239

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: 1478

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: 1478

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: 10123

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: 2512

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: 6549

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: 702

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: 15501

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: 4337

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: 2864

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: 11236

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: 744

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: 744

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: 4258

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: 2678

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: 1254

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: 1574

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: 2140

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: 3682

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: 1519

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: 938

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 ...
by Andyrunner
Tue Jul 26, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 6660

Re: Winter Tires: Yay or Nay

I live in MN and use them. Great when the neighborhood roads are covered in ice and the plows won't get to the bottom of the ice.

Since you live in NJ I will point out that when temps are above 50 degrees or so, it ruins the winter tires. So observe the temperature of their average winter.
by Andyrunner
Mon Jul 11, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Car for teenage son
Replies: 61
Views: 5115

Re: Car for teenage son

Few thoughts on this as I drove a 1991 Caravan with 250k miles when I was a teenager. - Its a right of passage for a teenager to drive the oldest most embarrassing vehicle possible. Minivans generally fit this description. - I feel a large vehicle where the person sits up is good for a young driver....
by Andyrunner
Tue Jun 07, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: building a house- realtor recommends selling and renting?
Replies: 22
Views: 2454

Re: building a house- realtor recommends selling and renting?

Fall and winter are a very challenging time to sell as most people in the north don't want to move in the snow and cold. Also do you have enough to put down if your current house sits on the market when your ready to move into your new one? I can't believe I'm saying this but the realtor might actua...
by Andyrunner
Mon May 23, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: How much money do you keep in your regular checking/savings?
Replies: 104
Views: 13393

Re: How much money do you keep in your regular checking/savings?

I'm a bit conservative, 6-8k which is about 2 months worth of expenses. Both my wife's and my paychecks go in here, so it doesn't drop below that. If it starts to go over the threshold I move it to savings. Savings is typically about 6 months worth of expenses, but higher now since we might be purch...
by Andyrunner
Mon May 23, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2779

Re: Running in new pair of shoes

NO!!! :shock: I would only consider risking it if they are the same shoe you are wearing now (same model and year). For a 10k run with them a week in advance to make sure they work for you, get a good 5-8 mile run in to make sure they work with no issues. Your not going to lose an edge because you r...
by Andyrunner
Mon May 23, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 6767

Re: Painting House Interior - How easy to do it yourself?

four easy steps
1) buy paint, paint gear, beer, order pizzas
2) call or email as many friends/family as possible
3) tape trim before everyone arrives
3) paint, drink, socialize

Part 4 will take 3-4 hours depending on how many friends show up (and how much beer is consumed)
by Andyrunner
Thu May 19, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married and how to quit my job. This is follow-up post earlier post
Replies: 16
Views: 1837

Re: Getting married and how to quit my job. This is follow-up post earlier post

Tell the truth. You don't have to explain your net worth or any details, chances are your boss and co-workers are jealous your taking that long of a honeymoon and be happy for you. Also to give you a heads up, there are chances your boss or co-workers will give a wedding gift. Be prepared for that p...
by Andyrunner
Wed May 11, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Lake Cabin and Rent It Out? Stupid?
Replies: 15
Views: 2570

Re: Buy Lake Cabin and Rent It Out? Stupid?

I know a few people who own a cabin in northern WI, they are big xc skiers. Do your homework before buying. Few things I learned while visiting: Guy who bought land next to my friend wasn't told his lot becomes marshy every spring, now guy has land that he can't build on, needs to sell to the next s...

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