Search found 742 matches

by Andyrunner
Mon Oct 28, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: High School Kid - in soccer
Replies: 14
Views: 1417

Re: High School Kid - in soccer

Personal experience but I remember my HS coach telling me the track team always had at least a 1.0 GPA higher than his football team. On top of track/XC kids just being generally being smarter (I'm biased) but there is a lot of downtime during track meets and XC meets. Meaning that is extra time the...
by Andyrunner
Tue Oct 22, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Separate insurance plans for husband and wife
Replies: 6
Views: 541

Re: Separate insurance plans for husband and wife

This is common. The reason is the kids don't utilize the expensive parts of healthcare as much as adults do. It's actually normal to see employee and kids to be cheaper than employee and spouse (no kids).

As others said look at family deductibles vs two separate policies.
by Andyrunner
Tue Oct 01, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5050

Re: Home repair - paying cash (dollar bills)

All contractors do this.

I'd say you could even negotiate the 5% discount. I think a more reasonable discount is 10-15%. I had a sheet rocker give me a 10% discount when I paid him in cash.
by Andyrunner
Fri Sep 27, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9445

Re: Physical activity suggestions for a non athletic youth

Camping. Start small with car camping then see if he he wants to a walk in site, then maybe backpacking?

Mtn biking, take him on some local mtn bike trails and he will have such a big smile on his face he won't realize he is burning calories.
by Andyrunner
Tue Sep 24, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Buying a home with unpermitted addition
Replies: 59
Views: 6136

Re: Buying a home with unpermitted addition

Why not call the county inspector office and talk to them? Truth be told this isn't all uncommon and they see this all of the time. If the owner at the time was a contractor, they should be able to pull up their license and see if the guy really knew what he was doing. This might be able to be fixed...
by Andyrunner
Tue Sep 17, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11579

Re: How do you spend money to gain time? (young family)

2) pay someone to fertilize lawn (can't have a toddler stepping on thistles) I just fertilized my lawn this morning. It took about 15 minutes with a handheld spreader. I did have to buy fertilizer yesterday on my way to the library (while the maids cleaned the house). But fertilizing is such a rare...
by Andyrunner
Tue Sep 17, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11579

Re: How do you spend money to gain time? (young family)

1) cleaning person 2x a month, helps big time 2) pay someone to fertilize lawn (can't have a toddler stepping on thistles) 3) grill = less pots/pans to wash not spending money but things that have helped with time for the kids: 1) wife dropped FTE from 1.0 to .8 2) acceptance that house is going to ...
by Andyrunner
Fri Sep 13, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6401

Re: Whistleblowing / Going Rogue at Work

Interesting, I'd be wary as well. Executives tend to defend their own, but at the same time he/she might want to clean it up shop and make a name for themselves. If you did decide to meet I'd be very prepared for this meeting. Be professional don't drop names unless they start it, make sure you have...
by Andyrunner
Fri Sep 13, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 32
Views: 2618

Re: Best Triathlon Bike?

Yes Cervelo makes good bikes, can't go wrong with that, but the big question is whether it is the right bike for you? If you go used, there should be plenty on the market, triathlon has slumped in recent years and no one seems to be buying used ones. I can't sell my wife's old tri bike. As others sa...
by Andyrunner
Tue Sep 10, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9271

Re: Electric Bicycles

There have been a few times when I have gone out and misjudged the wind. It was considerably more difficult to make it home when the wind picked up and an electric assist would have made all the difference. Another time, I did some unexpected physical work for a friend, during my ride and it was a ...
by Andyrunner
Mon Sep 09, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Have you been doing better than your parents?
Replies: 30
Views: 2265

Re: Have you been doing better than your parents?

I'm expecting they are, but that is because they retired with very good benefits. Their pension is equivalent to their final salary plus inflation and all of the medical benefits paid for. You can't find a better retirement plan. I myself am doing very well for my lifestyle, but it is still early. M...
by Andyrunner
Mon Sep 09, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5158

Re: Help me out - What am I doing wrong - Job Hunt related

I think a lot of times the interviews are to determine if the person's personality would work well within the department or they have a policy where they need to interview multiple candidates even though they have someone already in mind. So basically it really could just be them and not you. It fee...
by Andyrunner
Thu Sep 05, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 3803

Re: Career change at 36- Finance to Nursing/PA?

I know several nurses, PAs and NAs. As far as nursing goes, are you ready to do some of the most disgusting things ever? Clean a wound, wipe an old persons rear, deal with mentally unstable patients, work 12 hour night shifts then switch to 12 hour day shifts a few days later? Deal with the nursing ...
by Andyrunner
Wed Sep 04, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Entertaining house guests
Replies: 37
Views: 3184

Re: Entertaining house guests

Lend him/her your car and let them explore for a day or two. Do you have any major cities or tourist attractions within 2-3 hours of you?
by Andyrunner
Tue Sep 03, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: What's your "philosophy" on youth sports?
Replies: 47
Views: 2724

Re: What's your "philosophy" on youth sports?

My philospohy is: we are WAY too obsessed with sports in this country. I bet we would have cured cancer and built a mars colony by now if all the time/effort/money spent on sports had been redirected to the sciences over the years. I see lots of families who spend their entire weekends driving from...
by Andyrunner
Wed Aug 28, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 34
Views: 2445

Re: Your best deal from Craigslist

I think the best deal I had was I bought a tent for $70. Didn't end up using it at all and sold it on craigslist the next spring for $80.
by Andyrunner
Mon Aug 26, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17566

Re: White collars- How much is your work downtime?

I'm actually glad to hear other people say there is a lot of down time in the white collar industry. I always feel that this is something not talked about among peers because no one wants to admit they aren't doing anything at times. My first and second jobs in corporate finance, was hands down feas...
by Andyrunner
Fri Aug 16, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4643

Re: Kindergarten lunches

Almonds generally work as well. Good fat and protein.

The challenge with Kindergarten is time. My kid gets 20 minutes to eat, that is not a lot of time. Especially when they become chatterboxes or distracted watching other kids.
by Andyrunner
Fri Aug 16, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4643

Re: Kindergarten lunches

Our daughter loves cold pasta in pesto. We would buy the veggie pasta too.

Pp&j are common meals as well.
by Andyrunner
Thu Aug 15, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4809

Re: Brown Bag Lunch Ideas

As others said leftovers. If you don't have access to a microwave thats ok, youd be surprised how decent leftovers taste still cold or room temp.
by Andyrunner
Fri Aug 09, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9645

Re: Critique my exercise routine because it's not working for me

As others said diet is key, most weight loss comes from diet not exercise. Secondly, I'd up the cardio time and manage the effort on the cardio. You should be doing 130-150 beats per minute on your heart rate. Finally, I'd recommend getting off the treadmill/elliptical and get outside on a bike or r...
by Andyrunner
Mon Aug 05, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Daycare does not allow staff to babysit
Replies: 21
Views: 1813

Re: Daycare does not allow staff to babysit

I'm sure its common and not worth raising a stink over. But its probably one of those open secrets where all teachers baby sit for 'friends and family'.
by Andyrunner
Thu Jul 18, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Post Daycare Finances
Replies: 25
Views: 2565

Re: Post Daycare Finances

I think it is going to be even more diversified than just soccer and dance such as: 1) the kid will eat more food at home and order off the adult menu 2) vacation, I realized this week my daughter is becoming old enough where we could rent a kayak rather than play with sand at the beach 3) clothes, ...
by Andyrunner
Wed Jul 17, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Working 4 days a week?
Replies: 39
Views: 3174

Re: Working 4 days a week?

Do it.

My wife went down to a .8FTE and works four days a week. She doesn't regret it one bit. Now once the house is paid off and the savings account is a bit beefier, I'll consider asking my boss the same exact question.
by Andyrunner
Mon Jul 15, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5973

Re: Anyone buy the Nissan Rogue over the Honda CRV???

I own a Subi outback and a Mazda CX-5 and last vacation we drove a Nissan Rogue. The best driving experience in my opinion was hands down the Nissan Rogue. Outback, I love the AWD, trunk space, and roof racks, two downsides is it feels like a boat and with the CVT, the towing is terrible. Mazda CX-5...
by Andyrunner
Fri Jul 12, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3249

Re: Should I Buy a Motorcycle?

No loans for toys is my rule.

I'll also say I'm sure you can find someone who had the 'itch' as well for a year or two and now is selling it. I'd go with something used and see what you can get. Facebook marketplace, craigslist I'm sure you can find something even regionally.
by Andyrunner
Tue Jul 02, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4897

Re: how do couples work together on home finance

I do the most of it, pay the bills, watch the investments etc. But since I took most of it over since we have been married I often feel like I need to give my wife 'executive summaries' or approvals to move investments (I had a long sales pitch to convince her to move some savings over to a higher y...
by Andyrunner
Thu Jun 20, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: HR telling my wife not to contribute 100% of her salary to 401k
Replies: 24
Views: 4559

Re: HR telling my wife not to contribute 100% of her salary to 401k

You are forgetting taxable benefits she might receive that need to be counted as imputed income. Employer paid life insurance for example. She would owe taxes on those. She may not have any but other employees might have them and it really becomes a sticking point of "how come you let her but not me...
by Andyrunner
Mon Jun 17, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 3161

Re: Recommendation for light beer.

I have always loved Kolsch style beers. Alaskan summer is good but only around for the season. Maybe go to your local brewer and see what they have as well.
by Andyrunner
Thu Jun 13, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Fishing rod/reel combo recommendation
Replies: 10
Views: 605

Re: Fishing rod recommendation

My father-in-law was tired of buying his grandkids the cheap character poles that fell part. He ended up buying my youngest daughter this:

https://www.dickssportinggoods.com/p/ze ... mnspncscom

It is probably the best pole we have.
by Andyrunner
Wed Jun 05, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 5259

Re: Company requiring salaried employees to clock in?

Seems odd but can be for many reasons: -Shift work: My wife is salaried but is shift work, she doesn't have to clock in or out but if they had issues I could see them looking into it. -Contract work, I know some government contractors that need to clock their work in 15 minute intervals for billing ...
by Andyrunner
Fri May 31, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 69183

Re: Name something you had to have and now you regret purchasing it?

Thanks for making me feel better!! Its a motobecane cross bike I use for gravel. A friend has an older ti version and its much lighter, but he also goes to town on the other upgrades so I can't compare apples to apples on that.
by Andyrunner
Fri May 31, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 69183

Re: Name something you had to have and now you regret purchasing it?

Yes, aluminum cycle cross bike. For an additional $500 I could have bought the titanium version. I'm reminded every time I ride it which is probably 4-5 days a week. Getting spouses approval for the titanium version is hard to justify now as my current bike works fine, it would just be lighter and s...
by Andyrunner
Thu May 30, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: Question regarding the phrase "smart money"
Replies: 23
Views: 1734

Re: Question regarding the phrase "smart money"

As others said its a media term to catch people's attention. Its referring to the funds and investment firms who have access to investments and analysis none of us have and the capital to steer the direction of those investments (get a CEO fired, change a company's business strategy, etc). Warren Bu...
by Andyrunner
Wed May 29, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17621

Re: Fun paid jobs after FIRE

Saw a local guy who owned a local business, he eventually sold it and retired.

Works as a dog walker (he rides his bike with the dogs) and a bike mechanic/sales at a local shop.
by Andyrunner
Thu May 23, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1461

Re: Best bassinet

First kid we had a bassinet, it was nice for the first few weeks. We gave it away as it was given to us. Second kid we just used the pack n play.
by Andyrunner
Wed May 22, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6891

Re: Best small AWD to 'drive into the ground'

Not all AWD is the same. #1 is Subaru then I believe #2 is Mazda, the rest are a far far #3rd. This is what I have been told 2nd hand so no data.

Regardless, small AWD, Subaru legacy? The Crosstrek you said you had issues with but to me that vehicle's trunk is too small.
by Andyrunner
Fri May 10, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 1111

Re: Self-Propelled Lawn Mower

As others said, Honda, but I'll also throw out Toro. My Toro is 17ish years old and won't die. The body is falling apart but the engine won't die. I have never not used a self-propelled mower and I think I'd hate going with a push. Also if its generally flat, Id say front wheel would be fine. Also a...
by Andyrunner
Thu May 09, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4314

Re: Undergrad major in Economics or Finance?

Finance. I knew people who got economic majors but to get an MBA had to take additional classes because it wasn't a business undergrad.

I would also look into whether he can get a double major, many of the classes might cross over.
by Andyrunner
Wed May 08, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Part time job ideas
Replies: 10
Views: 1436

Re: Part time job ideas

I know pharmacists and pharmacy techs who work in the hospital full time but pickup shifts at Target. The key isn't the extra pay but its the employee discount.

Me, if I had time I'd pickup a part time job at the local bike shop or running shop, not for the pay but for the discounts.
by Andyrunner
Fri May 03, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - success!!!
Replies: 102
Views: 15325

Re: Empty nester downsizing - any advice?

One thing my parents regret is when they downsized they bought a 2 bedroom house. As the number of grandkids are growing and everyone has to fly to them, they wish they had purchased a 3 bedroom house. It works, but not well as they would like.
by Andyrunner
Tue Apr 30, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1359

Re: Kids fishing gear

I'd say avoid the barbie cheapo fishing pole and get one for casting off a dock, I think the one we have is called ugly stick. Its the same size and just as easy to cast. They are maybe $15 dollars. It isn't as pretty as the barbie one but when the line becomes tangled you won't regret it.
by Andyrunner
Wed Apr 24, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4563

Re: How to clean a garage?

Went through this a few weeks ago.I posted things I have not used in years on Craigslist to fund my next fun purchase, even though it was small. I sold golf clubs that have not been swung in 6 years for 200 bucks, toddler toys for 3 dollars each, An old tent for 70 bucks. All was small but it added ...
by Andyrunner
Tue Apr 23, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Taking the new job or not?
Replies: 24
Views: 1308

Re: Taking the new job or not?

I'd stay in your job. I have 2 kids 5 and under. I couldn't imagine the extra stress put on my wife and kids if I had to commute 2 hours a day. At age 5 your going to be shuttling kids to after school practices or activities as well. Also think about snow days (depending where you live), sick kids, ...
by Andyrunner
Wed Apr 17, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3828

Re: Do you pick up after renting a vacation rental?

We clean up fairly well. Mainly because we don't want to be viewed as pigs and bad renters. The higher the cleaning fee the less we feel obligated to though. What bothers me the most is when a place charges $150-200 for a cleaning fee when the place is $120 a night or something and the contract asks...
by Andyrunner
Tue Apr 16, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15929

Re: What is your hobby and how did it come to be your hobby?

Current big one is cycling. I was always a runner and got some injuries that don't seem to get better so I bought a bike after some convincing of a friend. Riding it is just one part of it all, working/maintaining it is a good part of it, getting a different bike or tires for the different condition...
by Andyrunner
Tue Apr 16, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How would you handle work situation?
Replies: 16
Views: 1470

Re: How would you handle work situation?

The other thing is I found that because of the finance profession, finance managers seems to be a bit more conservative and frugal with company money and you need to squeeze the money out of them.
by Andyrunner
Tue Apr 16, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How would you handle work situation?
Replies: 16
Views: 1470

Re: How would you handle work situation?

Generally in mega corporations there needs to be 2nd or 3rd line approval to move someone up and either the manager knows its going to be a fight or just doesn't want to step up to the plate. As someone else said, put words in your co-workers mouths. They didn't see room for promotional growth in th...
by Andyrunner
Mon Apr 15, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 5059

Re: Where To Get New Bikes

Dick's sporting goods has some decent bikes at good prices. Occasionally you can find a great sale. We have a nice local shop just a block from our house. My wife found a hybrid Norco bike there at a really great price (https://www.norco.com/). These are designed and assembled in Canada but the fra...
by Andyrunner
Mon Apr 15, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 5059

Re: Where To Get New Bikes

One good option is Performance Bike As an aside, they recently went out of business. Regardless, the advice to buy from a bike shop is sound. Buy from the one who spends some time to make sure you are on one that fits you--a bike that fits gets ridden. I had no idea, thanks for the heads up. I thin...