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Andyrunner

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...

Andyrunner

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...

Andyrunner

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.

Andyrunner

Aldis house blend.

Andyrunner

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...

Andyrunner

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...

Andyrunner

Started my first real job in 2007. So 401k started at zero, now its about $145k. Doesn't really help what your looking for

Andyrunner

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...

Andyrunner

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.

Andyrunner

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.

Andyrunner

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 ...

Andyrunner

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.

Andyrunner

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...

Andyrunner

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 ...

Andyrunner

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.

Andyrunner

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....

Andyrunner

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...

Andyrunner

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...

Andyrunner

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...

Andyrunner

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)

Andyrunner

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...

Andyrunner

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...

Andyrunner

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...

Andyrunner

Thank you all for the info!! Looks like I'm heading to Costco tonight.

Andyrunner

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

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

If it helps, I do have a Costco membership.

Andyrunner

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...

Andyrunner

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.

Andyrunner

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.

Andyrunner

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...

Andyrunner

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...

Andyrunner

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 ...

Andyrunner

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...

Andyrunner

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.

Andyrunner

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.

Andyrunner

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...

Andyrunner

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...

Andyrunner

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...

Andyrunner

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 ...

Andyrunner

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...

Andyrunner

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...

Andyrunner

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 ...

Andyrunner

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.

Andyrunner

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...

Andyrunner

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...

Andyrunner

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 ...

Andyrunner

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 ...

Andyrunner

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...

Andyrunner

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.

Andyrunner

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...

Andyrunner

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...

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