Search found 611 matches

by Andyrunner
Fri Feb 16, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Minnesota lake resorts summer 2018
Replies: 31
Views: 2091

Re: Minnesota lake resorts summer 2018

As other people said, its what are you looking for? Agree with the North Shore recommendation. Plenty of state parks, hiking to waterfalls, etc. I've stayed at the Lutsen resort, its ok in my opinion but its a good basecamp for plenty of hiking. If you make it up to the Gunflint Trial there are plen...
by Andyrunner
Thu Feb 08, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5169

Re: What time do you go to work?

7:45 or so. I'm mid of the pack but everyone is in by 8:15. Some people are there by 6:30. Everyone is out the door by 4 pm. My boss has a very relaxed policy, as long as you get your work done and no complaints she doesn't care since we are all salaried. No one abuses the policy (with the exception...
by Andyrunner
Wed Feb 07, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3497

Re: Jogging in the cold.

Northern runner here. I generally avoid temps below zero, especially if there is wind. Unless you have some kind of mask, the cold air is rough on the lungs below 15 degrees. I get an ashma like cough if I dont have a mask. I also keep the runs short and close to home in case something goes wrong. K...
by Andyrunner
Thu Feb 01, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6544

Re: Finally going to invest, brother is FA

As others would say, dont mix family & business. If he expresses concern or is upset tell him: Over the past year you have taken a strong interest in personal finance and based on what you have learned you could manage your money yourself. Not only will it allow you to apply your interest but contin...
by Andyrunner
Mon Jan 29, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3893

Re: what do/did you do with your evenings with a Toddler in winters ?

Yes, I think 100 pieces is the perfect amount. Id say any less wouldn't be enough. They are easy to clean up too since they well, stick together! And no i don't advertise for this company or buy a ton of toys for my kids (last night they were playing with our salad spinner) these have pretty much be...
by Andyrunner
Mon Jan 29, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3893

Re: what do/did you do with your evenings with a Toddler in winters ?

Look at Magna-tiles or Picasso-tiles. Basically the same thing (picasso is cheaper). Magnetic triangles they can build stuff with them. Easy to clean up, no choking hazards. The best part is you will have fun with them too. Wife and I often play with them when the kids are sleeping or doing other t...
by Andyrunner
Mon Jan 29, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3893

Re: what do/did you do with your evenings with a Toddler in winters ?

Look at Magna-tiles or Picasso-tiles. Basically the same thing (picasso is cheaper). Magnetic triangles they can build stuff with them. Easy to clean up, no choking hazards. The best part is you will have fun with them too. Wife and I often play with them when the kids are sleeping or doing other th...
by Andyrunner
Mon Jan 29, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3893

Re: what do/did you do with your evenings with a Toddler in winters ?

4 year old and 1 year old here. We might be obsessive, but we avoid the TV at all costs. Unless its iPad facetime with grandma. Inside: Dance parties (kids music), drawing, play with pots n pans, read tons of books. I've brought outside toys inside (coozy coup car, bikes, etc) the kid will destroy y...
by Andyrunner
Fri Jan 12, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1918

Re: wild bird feed

Anything that does not have thistle. If you never want to walk barefoot again in your yard, by all means buy thistle.
by Andyrunner
Wed Jan 10, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4150

Re: Men's no iron dress shirt recommendations

Another vote for Charles Tyrwhitt. I'm a fairly athletic guy, aka skinny. I have lands end shirts, and agree, the iron free isn't really iron free. Not to mention they are heavy. They do last forever though, I only own 3 Charles Tyrwhitt shirts and want to buy more but these lands end shirts just la...
by Andyrunner
Tue Jan 09, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1819

Re: retiree health ins - how to propose to Employer?

I'm going with very unlikely. I work in benefits and deal with our retirees at times. First off unless they have a definition for a retiree, your really just quitting and living off your savings. To be a retiree of the company they need to have a definition of what a retiree is (for example age 65+ ...
by Andyrunner
Mon Dec 18, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: US National Parks
Replies: 36
Views: 3185

Re: US National Parks

Can you elaborate more?

What do you plan to do? Hike (day/overnight), just drive through, camp, how long in each park? How long do you have? There are over 50 National Parks.

Between the ones you listed, there is a large distance between them (8+ hours).
by Andyrunner
Tue Dec 12, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7075

Re: Snow Tires? Worth it?

Yes. I almost got t-boned this morning. I swerved out of the way to avoid the car skidding through the stop sign. If I didn't have snow tires that swerve would of ended up in a power line.

Costs me 40-60 bucks to mount and dismount each spring/fall.
by Andyrunner
Fri Dec 08, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Extended warranty on 2018 Outback
Replies: 47
Views: 1808

Re: Extended warranty on 2018 Outback

I'd avoid it. Not worth it. When I bought my outback 4 years ago I was offered one, my response was I'm buying a Subaru on the basis that I shouldn't have to buy a warranty. Ended that one quick. On another note: $39k for an Outback!!! Damn cars are getting expensive! I paid $23k for mine 4 years ag...
by Andyrunner
Thu Nov 30, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10300

Re: Which crash have you seen it before it is coming?

None. 2000 or earlier, I was too young to understand the market. I was right out of school in 2007 and lucky enough to have a job in 2008 when the market crashed, even luckier I didn't have any money in the market so most of my investing started at the low point. My issue now is my whole investing l...
by Andyrunner
Tue Nov 28, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 2089

Re: National Park trip w/1 year old infant

I took my 4 year old and 1 year old (11 months at the time) to Mount Rainier and Olympic NP. Wherever you go I highly recommend getting a good quality hiking backpack. we have the Dueter II and it works great. Rocky Mountain would work, Mount Rainier would work, I have never been to yellow stone but...
by Andyrunner
Mon Nov 27, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 32
Views: 3812

Re: Etiquette of converting to exempt status

So if I'm clear, this is shift work? My wife's hospital went through something like this 15 years ago to her whole department, overtime was way to expensive for her position. The way it works she is still shift but salaried. If she picks up a shift beyond her FTE, she is paid the hourly rate. So, fo...
by Andyrunner
Fri Nov 17, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1705

Re: Questions for Boglehead runners

1) I don't run much anymore, I bike more now: maybe $100-$300 a year. Shoes, clothing and occasional race. Pre-kids this would probably be more like $3,000 2) over the lunch hour or at night. I think once my kids learn to not wake up in the night, I can become a morning runner. Running in the dark s...
by Andyrunner
Mon Nov 13, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a job: Not sure if I really want it
Replies: 10
Views: 1454

Re: Applying for a job: Not sure if I really want it

Thanks all. This is actually the longest I have been at a job. Initially 4 years, then two than now 4.5 with this one. I think what also made me question it is, most people in my company stay in their position for a long time. My co-worker has been in this position for 20 years. To say, I really don...
by Andyrunner
Mon Nov 13, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a job: Not sure if I really want it
Replies: 10
Views: 1454

Re: Applying for a job: Not sure if I really want it

2015 wrote:
Mon Nov 13, 2017 11:30 am
What is the title and nature of the new position?
I'd be dealing with employee pay.
by Andyrunner
Mon Nov 13, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Applying for a job: Not sure if I really want it
Replies: 10
Views: 1454

Applying for a job: Not sure if I really want it

Anyone else been in this situation? How did you come to a decision? I currently work in my company's HR department doing the ACA employer mandate compliance work. I enjoy what I do, one other co-worker understands most of it, but I do the day to day stuff, and she does the overall management. Anothe...
by Andyrunner
Wed Nov 08, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get interview/ strange turn, what to think?
Replies: 19
Views: 2609

Re: Trying to get interview/ strange turn, what to think?

I'd give it a few days.

Recruiters have quite a few jobs to shift through. I'd assume she is trying to catch up and has a backlog of positions to work with. If they were blowing you off, there would be a generic email stating "thank you but no thank you".
by Andyrunner
Thu Nov 02, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3494

Re: Do you Mow your own Lawn?

I do or my wife does. With two young kids, full time jobs and our hobbies, we struggle to find that 45 minutes 1-2x a week, but for what people charge, no way would we ever consider someone else.
by Andyrunner
Wed Oct 18, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 25
Views: 1743

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

Exactly correct about the IRS guidance. This isn't a whatever the business owner wants, it should be whatever his business attorney recommends. My non legal expert guess, wife is using the owners tools (equipment, computers, etc), works at the owners office, and works the shifts/hours the owner requ...
by Andyrunner
Mon Oct 16, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3574

Re: Bonus pushed back - should I be annoyed?

PlayingLife wrote:
Mon Oct 16, 2017 10:05 am
What do you think? Would you be irritated, or do you think I am over reacting?
At least you didn't just get a certificate to join the Jelly of the Month Club....
by Andyrunner
Thu Oct 12, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 6046

Re: Made a career mistake- advice/next steps

Agreed, address with the supervisor. There is a possibility that some inner workings going on, someone is retiring, leaving, promotion coming. They hired you to replace that person. Don't be afraid to ditch a place soon though. My first job right out of school 60 newly undergrads were hired at once,...
by Andyrunner
Wed Sep 27, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 5021

Re: $700 to install a dishwasher seem by a plumber?!

If you run into a plumber at work, store, gym or anywhere ask for a cash price or if the guy does work on the side (outside of his company).
by Andyrunner
Wed Sep 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 26
Views: 1658

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: 1339

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: 1339

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: 20803

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: 3586

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: 711
Views: 56042

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: 2119

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: 2119

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: 1083

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: 3900

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: 3900

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: 2119

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: 2119

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: 3900

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: 2119

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: 3900

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: 3900

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: 62
Views: 8570

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: 1904

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: 3963

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: 5564

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: 1620

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...