Search found 30 matches

by PNW86
Sun Aug 06, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: financial planning for purchasing "forever home" in a few years
Replies: 5
Views: 733

financial planning for purchasing "forever home" in a few years

Hi, I wanted to post here as people often bring up things I do not always think of : ) We are trying to figure out if we should pay down our mortgage aggressively or place our money elsewhere. Our rough plan is 5-6 years from now to have kids or be trying, purchase a replacement car for mine, and pu...
by PNW86
Sat Apr 22, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8460

Re: Time savers - life on automation

Does this rice cooker know how to handle brown rice? If so that would be a game changer. Brown rice turns out perfect. Every time. And taste really good....nutty even. Yes, it does take a long time- I bet white rice takes about 40 minutes and brown around an hour and a half. But it is worth it- pou...
by PNW86
Sat Apr 22, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8460

Time savers - life on automation

As I get a little older, I realize that time is the one thing precious resource we can't get enough of. I wanted to share the things that save me significant amount of time and hear from others as well. #1 Roomba 960 If you had a roomba 5 or 10 years ago, or never have tried one, check out the 960. ...
by PNW86
Wed Apr 19, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 49
Views: 9133

Re: Are the expensive air purifiers worth the money?

Here is a different idea: check out the book "how to grow fresh air" https://www.amazon.com/How-Grow-Fresh-Air-Plants/dp/0140262431 houseplants are great at filtering things including toxins out of the air. I had terrible allergies, difficulty sleeping, and difficulty breathing. I moved into a home ...
by PNW86
Wed Mar 22, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 2123

Re: carpet beetles (varied carpet beetle)

This should be helpful to others. First pest pro quoted me a price, and was ready to come spray my home. As fate would have it, they didn't follow up with their contract via email. I looked for a more local company and found rave reviews, and found out why. They guy explained to me that if it is onl...
by PNW86
Mon Mar 20, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 2123

Re: carpet beetles (varied carpet beetle)

Thanks for the replies.

I am in contact with an exterminator and will let you know how it goes. I have an energy star home so as far as I know the place is pretty sealed up. Not sure how they got in but again I really appreciate your thoughts and will update.
by PNW86
Sun Mar 19, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 2123

carpet beetles (varied carpet beetle)

Not sure where to post this - any experience or advice is appreciated. My wife and I own a 3 year old home in the Northwest. This winter, larva/pupae were crawling on the walls of multiple rooms. We killed all that we encountered, and determined that we havevaried carpet bettles. We vacuum the house...
by PNW86
Fri Mar 17, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: HSA: To invest or not to invest (no low priced funds available)
Replies: 7
Views: 818

Re: HSA: To invest or not to invest (no low priced funds available)

My HSA custodian is pretty darn good- I had one that had higher fees previously. I understand you can choose your custodian- mine is Health Equity, which I have read is one of the top 3. My only complaint is the lack of low cost funds for investment purposes. My employer does provide a match for my ...
by PNW86
Wed Mar 15, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: To invest or not to invest (no low priced funds available)
Replies: 7
Views: 818

HSA: To invest or not to invest (no low priced funds available)

Hi, I am wondering if I should invest my HSA? Currently, the only options available have expense ratios from 0.6% at the lowest to well over 1%, as well as fees...they do not offer index funds! All our our investments, retirement and otherwise are in no load mutual funds from Vanguard (or similar) i...
by PNW86
Tue Jan 10, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: ABA retirement / TD Ameritrade
Replies: 1
Views: 248

ABA retirement / TD Ameritrade

Hi, My wife is a new attorney in her late 20's and we are sorting through her retirement options. The firm she works at uses the "ABA retirement" investment options. The expense ratio on their 2050 target date fund is 0.69%, and their other funds are similar. The other option that she has ...
by PNW86
Fri Oct 07, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Refi House- list spouse for co-borrower & credit?
Replies: 4
Views: 537

Refi House- list spouse for co-borrower & credit?

Hi, and thanks for the help in advance. I purchased a home 3 years ago on a 30 year fixed rate @4.25%. I am now married, and my spouse and I are refinancing our home for 15 years @2.8%. The loan amount will be $200,000. My spouse and I both have no debt other than the home. My credit score is 780, a...
by PNW86
Mon Aug 15, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: 401k conversion question
Replies: 8
Views: 603

Re: 401k conversion question

I thought I had this figured out, but maybe I have confused myself. I filled my Roth IRA ($5500) on Jan 1 2016. Am I able to do a 401k rollover of over $4k into my Roth account this year? That would put me over the maximum for the year. So I guess my question/confusion is, I understand that "th...
by PNW86
Thu Aug 04, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401k conversion question
Replies: 8
Views: 603

401k conversion question

I apologize if this question is straightforward, but I did some reading on the wiki/forum and wanted to make sure I was making the right move. I am 30, and have worked for a company for less than 12 months. They have a pretty poor 401K with John Hancock, with high fees. I am leaving the company at t...
by PNW86
Thu Jul 21, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA/open enrollment? confused about health insurance while leaving job
Replies: 2
Views: 513

COBRA/open enrollment? confused about health insurance while leaving job

I got married last month ("qualifying event"). Her job contract ends on August 26th, and I am quitting my job on the same day. We then plan to move across the country, taking a 1 month road trip. We are trying to figure out if: 1. my wife should get on my plan, then take COBRA 2. I should ...
by PNW86
Tue May 31, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Moving logistics - 2 cars, 1 month
Replies: 10
Views: 877

Re: Moving logistics - 2 cars, 1 month

Thank you for all the replies!

I am surprised but happy with the advice- I am blown away by how cheap it is to ship things on Amtrak - it was not something I had even considered! I think we may look into shipping a car and shipping some things on Amtrak.
by PNW86
Mon May 30, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Moving logistics - 2 cars, 1 month
Replies: 10
Views: 877

Moving logistics - 2 cars, 1 month

Hi, I was hoping to get some logistics advice for our upcoming move. My wife and I plan to move across the country taking 3-4 weeks to visiting friends/ relatives and visit national parks. We have 2 vehicles, a Yukon and a Prius, and our goal is to ride in the same car. I see several options, and wo...
by PNW86
Sun Nov 22, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: putting money in HSA vs investing
Replies: 4
Views: 857

putting money in HSA vs investing

Hi, I started a new job, and have opted to have a high deductible health plan with an HSA account. I am 29, have no health problems, and do not plan to have children in the next 3-4 years. My current expenses include a mortgage, and I have an 11 year old car with 120K miles which may need some work,...
by PNW86
Sun Oct 04, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 16577

Re: Consumer items that are worth the initial investment?

Rancilio Silvia and Baratza Vario. Built to last, and makes you feel spoiled every single day!
by PNW86
Fri Sep 25, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs regular plan
Replies: 5
Views: 643

Re: HSA vs regular plan

Thanks Mike!

The 2nd does not count as an HSA.
by PNW86
Fri Sep 25, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs regular plan
Replies: 5
Views: 643

HSA vs regular plan

Hi, I have recently started with a new employer and have a choice between a "Choice HSA" and "Choice 1750 Plan" (BCBS). I am 29 years old, in good health, exercise, and eat healthy. I do not take regular RX medication. I have a, emergency fund of $15k. The plans look very similar...
by PNW86
Fri Sep 18, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Residency in one state, working in another, and taxes
Replies: 3
Views: 757

Re: Residency in one state, working in another, and taxes

I appreciate the advice! It appears to be more complicated than I originally thought. I definitely do not want to break any laws, and at the same time want to pay my share of the tax burden, but not a penny more : )
by PNW86
Fri Sep 18, 2015 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Residency in one state, working in another, and taxes
Replies: 3
Views: 757

Residency in one state, working in another, and taxes

Hi! I am an Oregon resident, which has a state income tax ( and a pretty high one, at that). I am maintaining my home/mortgage in oregon, but will be living/renting and working in Tennessee this year. Tennessee does not have a state income tax. Does anyone know how I can best minimize my tax burden?...
by PNW86
Thu Apr 02, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: fully funded ROTH-where to put money next?
Replies: 2
Views: 717

Re: fully funded ROTH-where to put money next?

Thanks for the reply. If I read correctly, a bond fund should be in a tax sheltered account (ROTH IRA) and I should hold my total stock market index in a taxable account, as the bond fund is less tax efficient?
by PNW86
Thu Apr 02, 2015 10:52 am
Forum: Investing - Help with Personal Investments
Topic: fully funded ROTH-where to put money next?
Replies: 2
Views: 717

fully funded ROTH-where to put money next?

Hi, and thank you in advance for the advice. I have worked and saved a lot over the last few months, and my savings increased to about 35k. I planned to beef up my emergency fund to 15k, and invest 10k. I have already fully funded my ROTH IRA this year. I also receive a SEPP from my employer. I have...
by PNW86
Sun Dec 07, 2014 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14174

Re: Am I being cheap? [wedding/engagement ring]

Spend the 5k. You are debt free. Think of the "cost per wear." If you stay with her for 50 years, that 5k ring will cost you 100 dollars per year. I am frugal and make 80k a year and spent about 6. It's literally the only item that she will have and or wear for the rest of her life...every...
by PNW86
Sat Dec 06, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: buying into a business: how much debt is too much?
Replies: 7
Views: 1362

Re: buying into a business: how much debt is too much?

To clarify, it is not general practice. It is a physical therapy practice- hence our dependence on physician referral.
by PNW86
Sat Dec 06, 2014 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: buying into a business: how much debt is too much?
Replies: 7
Views: 1362

buying into a business: how much debt is too much?

Hi, I appreciate your help in advance. I will be as brief and thorough as possible. I am currently 28 years old. I have no debt other than a mortgage. I spent 2.5 years living at home and paying off my student debt and car debt of ~100k total in order to be debt free. I currently make 80k/year gross...
by PNW86
Mon May 26, 2014 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Help- Small loan, starting investing, savings
Replies: 2
Views: 371

Basic Help- Small loan, starting investing, savings

Hi all- let me start by saying I appreciate your responses in advance, and, that I have read the book : ) I am looking for some advice on where to put my money. I finished school almost 3 years ago, with about 100k in debt. I have since paid off almost all the debt (lived at home with parents), and ...
by PNW86
Sun Jun 02, 2013 12:06 am
Forum: Investing - Help with Personal Investments
Topic: The basics- Help me get started investing!
Replies: 4
Views: 689

Re: The basics- Help me get started investing!

Thanks for the replies. My job is very stable, so I plan to get 6 months of rent/utilities/food etc in savings like you advised. The interest rate on my mortgage is not yet determined- I purchased a home that will be finished in October, and the rate cannot be locked in yet. My guess would be betwee...
by PNW86
Sat Jun 01, 2013 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: The basics- Help me get started investing!
Replies: 4
Views: 689

The basics- Help me get started investing!

Hi, Thank you in advance for your advice. I am 27 years old, and have put almost all of my net income towards paying off my student loans-almost 100k when I graduated- and am finally finished! My gross income is about $5700/month, net income is $3800/month after state and federal taxes. In addition ...