Search found 583 matches

by Andyrunner
Wed Sep 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1187

Re: Do you pay for credit monitoring?

Yes, I pay 5.25 a month for all three major credit agencies. This is subsidized by me employer.
by Andyrunner
Tue Sep 12, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Negotiating with Charter/Spectrum
Replies: 10
Views: 866

Re: Negotiating with Charter/Spectrum

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...
by Andyrunner
Tue Sep 12, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Negotiating with Charter/Spectrum
Replies: 10
Views: 866

Re: Negotiating with Charter/Spectrum

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 ...
by Andyrunner
Tue Sep 12, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17275

Re: Is it really Worth it to brown bag your lunch at work?

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...
by Andyrunner
Mon Sep 11, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2660

Re: "Luxury" Vinyl vs Laminate flooring?

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 ...
by Andyrunner
Thu Sep 07, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37637

Re: Equifax customer information leak

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.
by Andyrunner
Tue Sep 05, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1798

Re: Refurbished or New TV?

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.
by Andyrunner
Tue Sep 05, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1798

Re: Refurbished or New TV?

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.
by Andyrunner
Tue Sep 05, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: ACA 9.69% Affordability rule
Replies: 6
Views: 928

Re: ACA 9.69% Affordability rule

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...
by Andyrunner
Thu Aug 31, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3105

Re: Beginner Mountain Bike

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...
by Andyrunner
Thu Aug 31, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3105

Re: Beginner Mountain Bike

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...
by Andyrunner
Wed Aug 30, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1798

Re: Refurbished or New TV?

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+
by Andyrunner
Wed Aug 30, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1798

Re: Refurbished or New TV?

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.
by Andyrunner
Wed Aug 30, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3105

Re: Beginner Mountain Bike

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 ...
by Andyrunner
Wed Aug 30, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1798

Refurbished or New TV?

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 ...
by Andyrunner
Tue Aug 29, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3105

Re: Beginner Mountain Bike

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...
by Andyrunner
Tue Aug 29, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3105

Re: Beginner Mountain Bike

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...
by Andyrunner
Wed Aug 23, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4970

Re: Lowes vs Home Depot

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 ...
by Andyrunner
Tue Aug 22, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1670

Re: Transferring Work Locations - Cost of Living Decrease?

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.
by Andyrunner
Thu Aug 17, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2791

Re: popcorn ceiling, removal or drywall over it?

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?
by Andyrunner
Sat Aug 12, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4930

Re: What home task(s) are worth learning to do yourself?

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...
by Andyrunner
Fri Aug 11, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1442

Re: Buying a house as a student

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...
by Andyrunner
Thu Aug 03, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3422

Re: MIL wants to move in with us

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...
by Andyrunner
Tue Aug 01, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 2912

Re: Any BH mountain bikers?

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...
by Andyrunner
Wed Jul 26, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3076

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

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 ...
by Andyrunner
Wed Jul 26, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3076

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

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...
by Andyrunner
Wed Jul 19, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3135

Re: Indoor activities for a 3-year-old

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...
by Andyrunner
Mon Jul 17, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7091

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

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.
by Andyrunner
Mon Jul 17, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 1899

Re: Olympic NP and Mt Rainier NP

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...
by Andyrunner
Sat Jul 15, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2192

Re: Time to dump State Farm agent?

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...
by Andyrunner
Tue Jul 11, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 7013

Re: Shopping for first bike since I was a kid

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...
by Andyrunner
Tue Jul 11, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 7013

Re: Shopping for first bike since I was a kid

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 ...
by Andyrunner
Tue Jul 11, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 7013

Re: Shopping for first bike since I was a kid

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 ...
by Andyrunner
Mon Jul 10, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Stop contributing to 529 on 50% chance grandparents pay
Replies: 42
Views: 3116

Re: Stop contributing to 529 on 50% chance grandparents pay

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...
by Andyrunner
Tue Jun 20, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 1899

Re: Olympic NP and Mt Rainier NP

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...
by Andyrunner
Mon Jun 19, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 1899

Re: Olympic NP and Mt Rainier NP

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.
by Andyrunner
Mon Jun 19, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 1899

Olympic NP and Mt Rainier NP

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...
by Andyrunner
Mon Jun 05, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 9898

Re: Worth it to buy expensive clothes?

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...
by Andyrunner
Fri Jun 02, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 3273

Re: Responding to a weird job interview question..

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 ...
by Andyrunner
Thu May 25, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 8955

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: 47
Views: 3380

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: 2495

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: 2495

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: 2495

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: 6628

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: 1363

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: 3620

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: 3832

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: 1685

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.