Search found 468 matches

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: 11623

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: 23
Views: 1003

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: 55
Views: 2256

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: 1525

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: 2356

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...
by Andyrunner
Tue May 03, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2139

Re: Wine Purchase Question

Wife is hosting a book club like event this week at our house and she has asked me to get some wine for her group (15-20 people). Neither the wife or I are wine drinkers (I drink beer, wife drinks root beer). From the sounds of it this group probably has several wine snobs. Can someone list a few b...
by Andyrunner
Tue May 03, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2139

Re: Wine Purchase Question

Thank you all for the info!! Looks like I'm heading to Costco tonight.
by Andyrunner
Mon May 02, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2139

Re: Wine Purchase Question

Dutch wrote:How much are you looking to spend per bottle?


I'm guessing max $15 hoping more for $.99. :happy

If it helps, I do have a Costco membership.
by Andyrunner
Mon May 02, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2139

Wine Purchase Question

Wife is hosting a book club like event this week at our house and she has asked me to get some wine for her group (15-20 people). Neither the wife or I are wine drinkers (I drink beer, wife drinks root beer). From the sounds of it this group probably has several wine snobs. Can someone list a few br...
by Andyrunner
Mon May 02, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Advice on 'LifeLock'
Replies: 6
Views: 759

Re: Advice on 'LifeLock'

Having looked into it before as a benefit for my company's employees, Lifelock is known for their very expensive price and 'upselling' of products. There are other companies that are just as good and usually sold through insurance brokers and mixed into home insurance plans.
by Andyrunner
Tue Apr 19, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 6851

Re: Toyota Tacoma owners?

I wish. Sold my 2002 single cab because it couldn't fit a car seat and the wife.

Hoping that's my next vehicle in 10-15 years when my current one dies.
by Andyrunner
Thu Apr 14, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10882

Re: When was the most stressful financial time in your life?

I have been very fortunate I have not been in many troubling positions but I would say first year out of college. My parents didn't teach me a whole lot about money and spending habits. I was making 39k out of college in a job I hated. I was fortunate enough my parents paid for college, but upon gra...
by Andyrunner
Tue Apr 12, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: 1095C form
Replies: 1
Views: 165

Re: 1095C form

If your insured under Medicare and the private insurance plan is a med sup plan. Then you shouldn't be receiving one from your old company. If anything you should have gotten a 1095-B from Medicare, but I think the exempted themselves this year. My guess, error on the company. I would call and ask t...
by Andyrunner
Fri Apr 08, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: question about forms 1095-B/1095-C
Replies: 6
Views: 510

Re: question about forms 1095-B/1095-C

You really don't need these forms there year to file your taxes. It says that right on the IRS website. The IRS also says as long as employers made a good faith effort in getting these out, they won't be fined. Employers are having such a hard time figuring the guidance out that most companies just ...
by Andyrunner
Tue Apr 05, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Anyone own DVC?
Replies: 10
Views: 920

Re: Anyone own DVC?

Food for thought: My parents are DVC members and bought in 1991 when I was 6 and are still members now even though they live 2 hours from WDW. We went every year in my childhood until I was off to college. Now that I'm 31, I have come to hate Disney (along with my brothers). All of my vacations were...
by Andyrunner
Fri Apr 01, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 18670

Re: Tesla Model 3 anyone?

My wife might be due for a new car by 2017-2018, issue is the Tesla 3 doesn't look very practical for car seats.
by Andyrunner
Fri Mar 18, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Sedans and kayaks.
Replies: 23
Views: 1646

Re: Sedans and kayaks.

Jack FFR1846 wrote:A couple hundred dollar foldable Harbor Freight trailer and trailer hitch would be far easier.


+1

If your sedan can tow a small trailer you can just strap the kayak's onto the trailer and go.
by Andyrunner
Fri Mar 18, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1352

Re: Baby learning videos/material

Agree with Alex From what I have observed with my daughter (2.5 yrs) she doesn't really "listen" while watching TV, she really only cares about the visual. I'm pretty sure if I put the TV on mute, she wouldn't care. Yes, she knows the Doc McStuffens songs but I don't really thing she liste...
by Andyrunner
Tue Mar 15, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: No SSN on form 1095-B (proof of Obamacare coverage) - any problem?
Replies: 3
Views: 545

Re: No SSN on form 1095-B (proof of Obamacare coverage) - any problem?

I wouldn't be concerned. Insurance companies, public exchanges, Medicare and employers are struggling with the 1095's. I wouldn't be surprised if 20% sent out aren't correct. My take is the IRS is using this as a test year and isn't concerned about auditing people but rather make sure the process wo...
by Andyrunner
Thu Mar 10, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Layoff Advice
Replies: 41
Views: 4595

Re: Layoff Advice

One thing I always think about if I'm ever laid off is make sure you get any personal stuff off your work computer or work email and document any contacts (clients, co-workers, old bosses) information for your next job. Whether this is email, phone numbers, etc. Remember when your shown the door, yo...
by Andyrunner
Wed Feb 24, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: New kid: new car needed?
Replies: 24
Views: 1180

Re: New kid: new car needed?

I would consider a minivan. You don't have to buy a brand new one - but something that is decent and under $100k miles from a brand that has a reputation for quality. With all the baby gear you will be carrying - you will benefit from a larger size. Consider one with automatic sliding doors and be ...
by Andyrunner
Wed Feb 24, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: New kid: new car needed?
Replies: 24
Views: 1180

Re: New kid: new car needed?

In general a new car is not a need but a want. So if you wish to spend a chunk of your baby budget on a car upgrade plus increased auto insurance, go for it. Otherwise, a college fund is a pretty good choice for money not immediately needed for hospital expenses and diapers. :beer Not a want for su...
by Andyrunner
Wed Feb 24, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: New kid: new car needed?
Replies: 24
Views: 1180

Re: New kid: new car needed?

Thanks all! Once it gets warmer we are going to see how our cars workout. I think we can pull it off. The big downside is struggling to get two kids in a car when its between 5-10 degrees out. To me if we need to buy a smaller car seat that is much cheaper than buying a new car. The whole safety fac...
by Andyrunner
Wed Feb 24, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: New kid: new car needed?
Replies: 24
Views: 1180

New kid: new car needed?

My wife and I are expecting our second kid this August. I currently have an outback (traded in my '02 Tacoma with our 1st kid). My wife currently has a '09 Corolla. Anyone have experience with an infant car seat and a toddler car seat in a small car? By our estimations a passenger cannot sit in the ...
by Andyrunner
Tue Feb 23, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my credit cards?
Replies: 34
Views: 3244

Re: Should I cancel my credit cards?

Do you care about your credit score? Are you planning on taking out any big loans in the next few years? (mortgage, refinance, college loans, car loans etc). If not then I wouldn't be too worried.
by Andyrunner
Mon Feb 22, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: What Are Things I Should Consider In Leaving Private Sector For Federal Job (FDA Pharmacist)?
Replies: 17
Views: 1945

Re: What Are Things I Should Consider In Leaving Private Sector For Federal Job (FDA Pharmacist)?

My wife is a pharmacist, so a few things you think about before leaving. - Unless your management, generally there are no step ups in pharmacy. Do you want to be a manager? If not, then there really is not much room for advancement. - Scheduling, she works every 3rd weekend and night shifts. This is...
by Andyrunner
Thu Feb 18, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for auto insurance, Ameriprise dropped me
Replies: 17
Views: 1242

Re: Looking for auto insurance, Ameriprise dropped me

We had State farm for years, never any issues with them. Decided to shop around and went to an independent broker. He hooked me up with Kemper for home and auto. Saving about 1K a year. I seriously suspect companies slowly rack up rates for people assuming they aren't going to shop around. You shoul...
by Andyrunner
Wed Feb 17, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8335

Re: kitchen remodeling-why is it the norm?

The CEO of Zillo on the radio the other day explained that sellers don't get their money out of kitchen remodels. The reason being buyers have their own ideas of what they want in a kitchen. On the other hand installing a working toilet does increase sale value. -- Tet I remember a realtor telling ...
by Andyrunner
Mon Feb 15, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: another refinance mortgage question
Replies: 2
Views: 229

Re: another refinance mortgage question

We don't plan on moving or changing jobs anytime soon. No Points. The only other event I can think of is if child #2 is unhealthy (we are not high risk or anything) but you never know until they pop out. 30 is an option and is being considered, but the nice part is we are very comfortable paying 2x ...
by Andyrunner
Mon Feb 15, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: another refinance mortgage question
Replies: 2
Views: 229

another refinance mortgage question

I see there have been a few topics about this but just adding on to make sure I'm not missing anything. Current Rate: 4.25% on a 30y, only 2 years in house value: 300k Original mortgage amount: 208k amount left: ~160k monthly payment:~1k extra payment: 1k lender is offering me: 3% on a 15yr, payment...
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: 5296

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: 2205

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: 222
Views: 14933

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: 1810

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: 399

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: 13316

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: 2099

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: 327
Views: 39326

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: 6257

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: 2858

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: 6257

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: 3294

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: 3614

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: 876

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: 3405

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: 3416

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: 1914

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: 25
Views: 5239

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: 25
Views: 5239

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: 2589

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...

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