Search found 767 matches

by Andyrunner
Fri Jul 24, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Possibly losing health insurance. Experiences with ACA
Replies: 57
Views: 3821

Re: Possibly loosing health insurance. Experiences with ACA

1. It really seems like the ACA is in peril of being dismantled and I am concerned about pre existing condition going away. Any thoughts? I am in good health but everyone has something by the age of 60 and I remember in the past, insurance companies wanting only the best risks an refusing the rest....
by Andyrunner
Mon Jul 20, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5074

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

If it is normally a 12 hour drive, expect a 14-16 hour drive with kids that young. Potty breaks, food, if possible find a playground or open park for them to run around in. It also helps to get a few hours on the road before they wake up. Meaning you get on the road at 4:30am and hope they sleep in ...
by Andyrunner
Mon Jul 20, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Suggestions for women's running shoes for narrow, flat feet
Replies: 17
Views: 537

Re: Suggestions for women's running shoes for narrow, flat feet

runner3081 wrote:
Mon Jul 20, 2020 9:26 am
Go to a running store for a gait analysis.
x10000!

These are generally free. The good stores will have a treadmill, take a video do the analysis then show you which shoes they recommend. Bring in the current shoes as well so they can view the wear pattern.
by Andyrunner
Sun Jul 12, 2020 6:59 am
Forum: Personal Consumer Issues
Topic: Bike upgrade recs?
Replies: 51
Views: 2794

Re: Bike upgrade recs?

Been riding serious for a few years after I kept having running issues. Lots of good advice here but I'll tell you my story and input. I have a bikesdirect Motobecane cyclocross bike, its aluminum, good for riding, I recommend aluminum for what your doing. Tiagra components, spent about $800 4 years...
by Andyrunner
Mon Jul 06, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Paying back Parents
Replies: 13
Views: 872

Re: Paying back Parents

I think all you need to do is pay them back with love. Prove to them their investment paid off. Successful and mature adult, caring child (give them a phone call at least once a week), be ready to help them when they get older, and visit as much as possible. If anything if you go out to eat, pay for...
by Andyrunner
Mon Jul 06, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Golf club membership - should I?
Replies: 27
Views: 3353

Re: Golf club membership - should I?

You can throw as much time and money into a hobby as you want. That is why it is a hobby. The question is are you going to enjoy playing the same course again and again? Are you going to feel guilt playing this course vs others because you need to get your money's worth? Do you need to spend so much...
by Andyrunner
Tue Jun 30, 2020 7:15 am
Forum: Personal Consumer Issues
Topic: Painting new drywall
Replies: 24
Views: 1602

Re: Painting new drywall

primer first and you will need two coats.

First coat you will question where all the primer you put on went.
by Andyrunner
Fri Jun 05, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Buying a Bike - What Should I Choose?
Replies: 14
Views: 1505

Re: Buying a Bike - What Should I Choose?

Yup that is a good buy for what you want, especially now. I would say test ride it first, make sure it fits you. Spoke to the owner of the local bike shop, he said he has been lucky to leave the shop at 10pm each night. No shop can keep an entry level bikes or kids bikes in the store due to demand. ...
by Andyrunner
Thu Jun 04, 2020 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job yesterday
Replies: 68
Views: 11883

Re: Lost my job yesterday

Not much help but wife is a in-patient pharmacist and says what you said about the job market and overflow of new grads. She has one year of residency, most new grads have two years. New grad pay is a lot less than what it was 10 years ago. Although her job is pretty secure, she does have this fear ...
by Andyrunner
Wed May 27, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Increase From Current Employer after getting MBA?
Replies: 10
Views: 1137

Re: Salary Increase From Current Employer after getting MBA?

I would assume no salary increase unless your role changes. An MBA should open doors to new positions within the company, but I wouldn't expect a pay increase for doing the same job as you were before pre-MBA.
by Andyrunner
Thu Apr 09, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff - Am I crazy?
Replies: 81
Views: 5682

Re: Mortgage payoff - Am I crazy?

I was going to pull the trigger this month but decided against it. Wife and I both work for the same employer who is having cash flow issues due to COVID-19 (hospital). We decided to hold off till its all over, in the long run our jobs are safe, but this is a new world right now. In reality, what is...
by Andyrunner
Thu Apr 09, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 15754

Re: Coronavirus Flight Cancel Thread

1. Yes
2. Delta
3. Full refund
4. Phone
5. Be nice, note flight changes (killed 6 hours of a 5 day trip), and noted my wife is in the medical field and will probably won't be able to get out of work.
by Andyrunner
Fri Feb 21, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Another payoff mortgage question
Replies: 16
Views: 1243

Re: Another payoff mortgage question

Was there a reason you were sitting on that extra cash in the first place? Does that reason still exist? Nope, just my spending is less than my income so my bank account generally creeps up. Once it gets a bit high I take another shot at the mortgage. I do it about twice a year. I also have a tax r...
by Andyrunner
Fri Feb 21, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Another payoff mortgage question
Replies: 16
Views: 1243

Re: Another payoff mortgage question

Pops1860 wrote:
Fri Feb 21, 2020 10:08 am
Financially, it doesn't seem going either route would make a big difference.
Right it really doesn't. I just want the satisfaction. I'm trying to pick it apart and really see what risks I'm not thinking of.
by Andyrunner
Fri Feb 21, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Another payoff mortgage question
Replies: 16
Views: 1243

Another payoff mortgage question

Can you help me think this through and weigh my options. I'm almost to the end of the road with the mortgage which is at 2.99% interest. I got about $45k left, current strategy with extra payments I'll be done by mid next year. This strategy includes applying $15k extra I have in my savings account ...
by Andyrunner
Wed Feb 12, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: "Large" employer health insurance requirement
Replies: 13
Views: 826

Re: "Large" employer health insurance requirement

I'm thinking my first bullet is correct. In 2018 the fine is $2,320 per employee (less first 30). So if the employer has 100 full time (30 hours or more a week) employees, they pay a penalty of $162,400. That is way cheaper than installing a medical plan. This is based on the assumption that employ...
by Andyrunner
Tue Feb 11, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Large" employer health insurance requirement
Replies: 13
Views: 826

Re: "Large" employer health insurance requirement

Maybe the threshhold is more employees or religious matter. I don't believe religious organizations or schools have different thresholds on number of employees, but it becomes a factor of tracking hours for teachers (who have off during the summer). It becomes a matter of tracking hours and breaks ...
by Andyrunner
Tue Feb 11, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: "Large" employer health insurance requirement
Replies: 13
Views: 826

Re: "Large" employer health insurance requirement

I work with this a lot so hopefully I can provide some insight 1) They don't have to at all. They can not offer it and pay the penalty. Some companies have opted to pay the penalty. 2) Are there really 50 full time (30 hrs a week) people there? At times a lot of religious schools have part time help...
by Andyrunner
Thu Jan 30, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Phone call spam. Do you get it at your office?
Replies: 16
Views: 851

Re: Phone call spam. Do you get it at your office?

Yep, employer of 30k+ employees had to send out a message warning people that a robo call was coming around saying it was the Chinese consulate. Sounded like it called most if not every number in our company and there was nothing they could do about.
by Andyrunner
Thu Jan 16, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148512

Re: Pull Up Bar/ Push Up Routine

I have a rock climbing training board. Its much nicer as there are many different holds.

As far as routines, make it a hobby. If your jogging, sign up for a local 5k and look at training for it. Setting a goal helps a lot.
by Andyrunner
Wed Jan 15, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9855

Re: Daycare Provider Wants to Charge $20/week for Receipt

Your daycare is cheap. Dirt cheap. $40/day? That is what daycare for a dog costs. This sounds like less of a daycare and more of a lady that babysits kids in her house and underreports that income. If you want to use FSA money I think you need to find a more typical daycare or pay her an extra $20/...
by Andyrunner
Wed Jan 15, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9855

Re: Daycare Provider Wants to Charge $20/week for Receipt

My daycare provider provides us a statement at the end of the year. Sure you gotta wait to submit a claim at year end, but seeing a nice $5,000 deposit in the bank account is nice.

I'd offer her this one year entry vs the weekly statement.
by Andyrunner
Mon Jan 13, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Upgrade to larger family car or wait and get smaller commuter car?
Replies: 21
Views: 1377

Re: Upgrade to larger family car or wait and get smaller commuter car?

Going through this now actually. I have a outback, wife has a Mazda CX5. We are realizing as our kids get older we will want a minivan for traveling and carpooling to sports/etc. We are also realizing that its pointless to have two SUV type cars. Plan is to get wife a smaller car and then get a mini...
by Andyrunner
Fri Jan 10, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Sprint service?
Replies: 19
Views: 1228

Re: Sprint service?

I have sprint in Minnesota. In my opinion once you get out of cities and into the sticks (like most of Iowa) your coverage is non-existent.
by Andyrunner
Mon Dec 02, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: iPad or Chromebook for 5 year old?
Replies: 42
Views: 2719

Re: iPad or Chromebook for 5 year old?

Not sure if you want to hear it but: My 6 year old's school principal said the biggest issue with kids and technology is teaching the kids that the school ipads are learning devices not toys as the kids use home tablets for games and play at home. We avoided most technology with our kids till they s...
by Andyrunner
Mon Oct 28, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: High School Kid - in soccer
Replies: 14
Views: 1571

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: 614

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: 5689

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: 10657

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: 6828

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: 12331

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: 12331

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: 6908

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: 3087

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: 10152

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: 2427

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: 5453

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: 4102

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: 3358

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: 2984

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: 46
Views: 4263

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: 18815

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: 5192

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: 5192

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: 5320

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: 11378

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: 1932

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: 2729

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: 3455

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: 6785

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...