Search found 138 matches

by nwrolla
Wed Dec 27, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Crater Lake trip from Bay area in June
Replies: 21
Views: 1813

Re: Crater Lake trip from Bay area in June

Crater lake is great to visit. It is definitely cold in June; but not unbearable. Attached photo is from August this year

https://drive.google.com/file/d/0B7fh9p ... p=drivesdk
by nwrolla
Mon May 22, 2017 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Quickest Path to Financial Independence
Replies: 27
Views: 5437

Re: Quickest Path to Financial Independence

As others have noted. It is not a " quick path" I guess it could be if you can save 70%+ of your income but that is definitely not the average person. A good book on the topic is Jim Colin's simple path to wealth. It is all about simplifying your investment life and saving for FI. I'm late 20s on th...
by nwrolla
Mon May 22, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 14875

Re: Which Small SUV for 15 Year Reliability?

Long time Subaru owner here, my advice would be pick the one you enjoy driving most and take good care of it. Most cars today are engineered to last a long time. Yes there are some quirks for different brands but if you are aware of it you can adequately plan for the maintenance. I currently have a ...
by nwrolla
Mon Apr 24, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 5681

Re: Best vacuum cleaner for pet hair?

I would go with a Dyson. We picked up one of the Compact pet vacuums and it has been wonderful so far. Works extremely well on hardwood surfaces and carpet. We also have a carpet shampooer we run through the house 1-2 times per year.
by nwrolla
Mon Jan 09, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 32430

Re: How much is your cell phone bill?

Thankfully switched to project Fi from Verizon and saved $60 a month. We pay $45 now for 2 lines.
by nwrolla
Mon Dec 19, 2016 11:50 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 19449

Re: How old is your vehicle?

2008 Subaru Impreza
2015 Outback ( replaced 2006 Subaru )

Hoping to keep the 2008 a few more years and hit at least 200k!
by nwrolla
Fri Dec 09, 2016 12:50 am
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 51
Views: 5174

Re: Anyone still upgrading their PC build? (Not replacing the machine)

Yes, I built my desktop 3 years ago for photo editing / gaming. Intending to upgrade graphics card in the near future as RAM, SSD and I7 are still ticking along quite nicely. Probably pick up a few more external HD's to add to the array as well.
by nwrolla
Thu Sep 01, 2016 11:59 pm
Forum: Personal Consumer Issues
Topic: Road bike
Replies: 29
Views: 3754

Re: Road bike

Agreed with the poster above. Hybrid may be a good I option. Also Craigslist is where I look for road bikes. Depending on your area there may be a bunch of good options for 600 -1,000. And if your not a fan you can relist the bike and hopefully not lose anything on the flip. Good luck! Cycling is a ...
by nwrolla
Wed Aug 03, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Subaru Legacy Question.
Replies: 20
Views: 2136

Re: Subaru Legacy Question.

I have been driving 2.5 liter subaru's for the last 7 years and can say they are more than sufficient for cruising on the highway. Driving around town etc. If you plan on towing the 3.6 would be helpful or if you are trucking a lot of people through mountainous areas and want to be able to climb hil...
by nwrolla
Wed Aug 03, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Portland, OR internet
Replies: 3
Views: 471

Re: Portland, OR internet

I live outside the city as well on the west side but work in NE. I have had had frontier / Verizon for about 7 years. Their service is awful but it is cheap so...... I would definitely look at upgrading the router if you run a lot of devices or have an older house ( cement walls ) the stock router i...
by nwrolla
Fri Jun 24, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 8798

Re: best wristwatch for the price

I primarily wear nixon watches. They are pretty sharp looking in my opinion without breaking the bank.

They come in all sorts of styles and options.

Example :
www.nixon.com/us/en/sentry-ss/A356.html
by nwrolla
Sat May 21, 2016 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $500 a month
Replies: 27
Views: 4973

Re: What to do with $500 a month

Do you have any options to invest in a 401k plan? If so, is it maxed out in addition to the IRA? I would probably start there. If the 401k + IRA is maxed out a taxable account, emergency fund or debt elimination would he next on the list. There is a lot you could do with $500 a month for sure.
by nwrolla
Thu Jan 07, 2016 1:03 am
Forum: Personal Consumer Issues
Topic: 2016 Subaru Crosstrek
Replies: 44
Views: 10635

Re: 2016 Subaru Crosstrek

I have a brand new outback and have similar low mpg numbers. Though my commute is 2 mIles each way in 30 degree weather, so I don't expect stellar numbers. I think normal driving distance greatly impacts overall mpg. I would recommend getting it out on some highway trips as you complete the engine b...
by nwrolla
Fri Dec 25, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: What is the appropriate tip at Starbucks on Christmas morning?
Replies: 76
Views: 7416

Re: What is the appropriate tip at Starbucks on Christmas morning?

I will start with saying I worked for Starbucks for nearly 7 years. While Christmas day is advertised as volunteer and optional this is not exactly true in a lot of stores. Some manager see fit to assign people Christmas day regardless if the employee was available, had a family gathering and so for...
by nwrolla
Tue Sep 15, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 29
Views: 3640

Re: Computer Remote Access

I have used Teamviewer for a few different remote networking situations and it works pretty well if you just need to access files from a computer. It does have its drawbacks though ( slow / no video playback )
by nwrolla
Tue Sep 15, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: 2016 Subaru Crosstrek
Replies: 44
Views: 10635

Re: 2016 Subaru Crosstrek

I just purcahsed a 2015 Outback, as my third Subaru and I can say I am extremely happy with my decision. It has been very comfortable for long trips and gets really good gas mileage ( 31 mpg freeway ). I think the crosstrek would be a really good option for what you need; I would drive the Outback a...
by nwrolla
Tue Sep 15, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Relocation to Portland, OR -- Housing
Replies: 20
Views: 2808

Re: Relocation to Portland, OR -- Housing

I am an oregon native. If you are looking to move there are a ton of great cities or pockets of portland to move to. My biggest advice is to work close to home or look at using the MAX lines as an option for commuting. Driving is not near as bad as other cities but certainly can be frustrating due t...
by nwrolla
Tue Sep 15, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 11949

Re: Post your current employer retirement plan! (if any)

It is nice to see all the good employer plans out there ! Our plan is pretty rich. Company 401k match 7.5% with a 5 year vesting schedule. A 5% supplemental contribution. (Does not require employee contribution) And a cash balance pension plan. Vanguard is the plan administrator. Thankfully lots of ...
by nwrolla
Wed May 20, 2015 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 752
Views: 220642

Re: Share your networth progression

I haven't had a chance to read the whole thread but it is certainly encouraging ! I am trying to contribute as much as possible to make up for some lost time in the past! But here are the stats. 2009 - Net Worth: 0 Married at age 20. 2012 - Net worth: -25k Wife and I are both students working low wa...
by nwrolla
Tue Apr 28, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: Freshly roasted coffee beans
Replies: 29
Views: 3057

Re: Freshly roasted coffee beans

Stumptown is extremely popular where I live.

I would also add : Dapper and Wise

Fantastic small batch roaster from Oregon.
by nwrolla
Tue Apr 28, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 52
Views: 11363

Re: [new position, facing an] hour commute (each way)

Commuting definitely impacts overall quality of life. I took a job a couple years ago which was a significant opportunity and pay increase, but the commute wears me down for sure. Most days I ride public transit ( train ) it is 50 minutes total ride time with a 10 minute drive to and from the statio...
by nwrolla
Fri Apr 24, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 36728

Re: What do you drive, and why?

This thread is great! Good to see what everyone is riding around in. For myself I have a 2006 subaru impreza with 133k. Bought it salvaged in 2009 before my wife and I were married. It was our only car for 2 years and it ran strong. car is still great today though age is starting to show in suspensi...
by nwrolla
Mon Mar 02, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 26961

Re: Guns for hunting/defense

This thread has a lot of good information. Great to see so many contributors and different ideas. I will throw my $.02 into the mix. Daily carry : Kimber solo carry 6+1 hollow point. Extended mag on backorder. Night stand pistol : Springfield XD 45 13+1 hollow point. Other guns : Spikes tactical AR1...
by nwrolla
Tue Feb 24, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: Video equipment for someone starting out
Replies: 8
Views: 722

Re: Video equipment for someone starting out

I would advise against shooting video with a dslr it is painful and expensive. auto focus is not quick, manual generally works much better. But requires a lot of fine tuning if you want proper DOF. I would get a Sony handicam or Canon Vixia with an internal drive for filming kids. If they play sport...
by nwrolla
Sun Feb 22, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 19332

Re: What % of your gross income do you spend on mortgage/ren

About 20% including HOA, Taxes, Utilities.

Own a townhome in the Pacific NW.
by nwrolla
Thu Feb 19, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 53777

Re: What is your favorite consumer product?

Breville Espresso machine
Grape nuts for breakfast
Sony tv
nook e reader

Pretty short list but they are everyday items
by nwrolla
Mon Feb 09, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 8615

Re: Best laptop under $1000

I'd take a look at Lenovo. I have purchased 15 Lenovos this year. Have been impressed with the hardware. I'm not a big fan of Dell LTs. Haven't bought any recently but we have had problems with Dells. This^^^^^. I recently purchased a Lenovo laptop and it is by far the best laptop I've owned. gator...
by nwrolla
Wed Oct 22, 2014 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1705

Re: Help Change Direction - Invest or Fix Personal Finance

Hello OP! Congrats on starting to get your financial house in order. 40 is definitely not too late; in just a few short years from now you will be amazed at how much progress you've made. To answer your questions: I don't think you should cash out your old 401k nor delay investing until you have yo...
by nwrolla
Thu Aug 07, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1497161

Re: What Book Are You Currently Reading? Part V

The Night Angel trilogy by Brent weeks.


written by one of my English teachers in school when I was younger. It's always cool to see people you know hit the NYT best seller list !
by nwrolla
Thu Jan 09, 2014 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Over Roth Income Limits - Where to put the money?
Replies: 13
Views: 1437

Re: Over Roth Income Limits - Where to put the money?

Do you have a preference towards Roth contributions? If you are a HCE a traditional IRA and 401k may seem more logical from a tax standpoint for the one year. Unless you are going to continue to be an HCE and your wife resumes a normal job after the self employment. I do agree with paying down debt ...
by nwrolla
Fri Oct 18, 2013 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Overwhelming Personal Finance
Replies: 17
Views: 3640

Re: Overwhelming Personal Finance

I am in a very similar situation except my wife and I have been married a few years. As others said, come up with a plan to repay debt and stick to it. And try not to obsess over not investing a large amount of money every year. I had to take a break from this forum for a while because I got stuck i...
by nwrolla
Tue Aug 06, 2013 12:26 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 83
Views: 36413

Re: Honda CRV or Subaru Outback?

I question what the other posters did to 'self destruct' their Subaru's at 40k and 60k. That is very unusual for otherwise bullet proof and reliable vehicles. Some of the older models did have issues with spun bearings, timing belts, and burning oil. There are also severe 'high performance' engines...
by nwrolla
Thu May 23, 2013 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice Needed For Second Investment Account
Replies: 19
Views: 1581

Re: Advice Needed For Second Investment Account

Mystic. One thing would consider doing is increasing 401k contributions and using part of the emergency fund to cover living expenses for a 6 month period. That way you can reduce on hand cash while taking full advantage of the employer match. Once you are down to a desired EF amount you could drop ...
by nwrolla
Tue Apr 30, 2013 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Q&A -- Probably Some Low-Hanging Fruit!
Replies: 66
Views: 3967

Re: Portfolio Q&A -- Probably Some Low-Hanging Fruit!

Ah thanks for the update I missed that, was skimming the previous posts during class.
by nwrolla
Tue Apr 30, 2013 9:45 pm
Forum: Personal Consumer Issues
Topic: Help choosing a smart phone Please!
Replies: 20
Views: 2002

Re: Help choosing a smart phone Please!

Go with the lowest data package you possibly can and utilize WIFI extensively, I connect my phone to wifi everywhere, work, school, relatives networks anywhere to save some data, I share a plan with 3 other phones and we manage to use under 1gb in data usage total, everyone is employing the same str...
by nwrolla
Tue Apr 30, 2013 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Q&A -- Probably Some Low-Hanging Fruit!
Replies: 66
Views: 3967

Re: Portfolio Q&A -- Probably Some Low-Hanging Fruit!

I have on aside to point out, as a mid high rate tax payer (28/25% respectively) Why would you and your wife choose to file married filing separately, if you have a legitimate reason I could understand, but mathematically especially with a dependant it seems you would save more in taxes year after y...
by nwrolla
Tue Apr 23, 2013 11:40 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 10142

Re: any suggestions on a ccw [Concealed Carry Weapon]

A ccw is definitely a feel thing I am a huge fan of sprinfields. I have an xd45, but my brother has a glock 40 that is extremely comparible. For a carry I would recommend something chambeted in 9mm then use hollow point and full metal jacket rounds alternating in the magazine. Good luck in your deci...
by nwrolla
Mon Apr 22, 2013 11:51 pm
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 35087

Re: Buying Tires at Costco

I have purchased a few sets of tires through Costco. While they are excellent the lack of making appointments can be an inconvenience. Most of the time if I need my tires rotated I just leave the car there a few hours and come back for it. On average its at least an hour sometimes up to 3 depending ...
by nwrolla
Fri Apr 12, 2013 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 3231

Re: Please help me reduce my taxes

As others posted. Open a business 401k option. If your married and have a working spouse they could max out tax deferred saving accounts 401k and Ira of possible. Reaearch asset depreciation for business assets. Also using a 529 for children college expenses depending on if you have any. Increasing ...
by nwrolla
Thu Apr 11, 2013 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryovers
Replies: 11
Views: 2688

Re: Capital Loss Carryovers

If you didn't have income for the year you wouldn't use the loss because you may be exempt from filing but if you had capital gains the losses should offset those first. You can also reference this site for additional information for gains and losses. http://www.google.com/url?sa=t&source=web&cd=1&v...
by nwrolla
Wed Feb 27, 2013 12:37 am
Forum: Personal Finance (Not Investing)
Topic: making our money work for us
Replies: 64
Views: 7865

Re: making our money work for us

there is no such thing as a no-cost refi - you will pay for it in a worse interest rate. Just shop around, I like zillow.com for mortgage quotes, you can refi for 30 years fixed for around 3.5% these days, if that's 1% or more better than your current rate, it's probably worth refinancing. use this...
by nwrolla
Fri Dec 07, 2012 1:00 am
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 83
Views: 6413

Re: Anybody here go all-Linux for personal computing?

I have been running Linux solely for about a year now. I have Windows as a secondary boot option but rarely boot to it. Linux is far more reliable in my opinion once you learn to use the terminal and different command prompts.
by nwrolla
Sun Nov 18, 2012 10:39 pm
Forum: Investing - Theory, News & General
Topic: Do you....DCA, lump sum, VA, etc....? (poll)
Replies: 25
Views: 1383

Re: Do you....DCA, lump sum, VA, etc....? (poll)

I voted DCA since it is a direct deposit from paycheck to investments.
by nwrolla
Wed Sep 26, 2012 7:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1497161

Re: What Book Are You Currently Reading? Part V

Just finished A dance with dragons, the 5th book in the game of thrones series.
Found a new book at the bookstore the other day, The Black Banners - http://www.amazon.com/The-Black-Banners ... 0393079422

So far 50 pages in it is a very interesting read. I have high hopes
by nwrolla
Wed Sep 26, 2012 4:30 pm
Forum: Personal Consumer Issues
Topic: How Important is Car Waxing?
Replies: 32
Views: 5978

Re: How Important is Car Waxing?

I am a huge fan of waxing and using clay bar with cars. I clay bar both of my cars once a year and wax them each twice. it definitely keeps the car looking clean and sharp, one is 6 years old and has very few defects or scratches. I was raised washing and cleaning out cars twice a week. I feel like ...
by nwrolla
Wed Sep 19, 2012 8:43 am
Forum: Personal Consumer Issues
Topic: Best Used Commuter Car Under $14,000 - Snow/Long Commutes
Replies: 27
Views: 5840

Re: Best Used Commuter Car Under $14,000 - Snow/Long Commute

I would second the choice of getting a Subaru. I have owned 2 for the last few years and they are great in the snow. I snowboard a fair amount in the northwest and never chain up, even on the worst days. Both cars have under 100k and are solid too.
by nwrolla
Thu Sep 06, 2012 8:55 am
Forum: Personal Consumer Issues
Topic: Low mileage = reduced insurance ?
Replies: 1
Views: 325

Low mileage = reduced insurance ?

Someone was telling me today about how you can save money on insurance if you drive under 8,000 miles a year. I looked at my insurance companies website and it does list it as a possibility. I am wondering if anyone on here takes advantage of this deal and how much you save annually? I am hopefully ...
by nwrolla
Wed Jun 20, 2012 5:09 pm
Forum: Personal Consumer Issues
Topic: What Do You Use for Streaming on Your TV?
Replies: 118
Views: 16435

Re: What Do You Use for Streaming on Your TV?

Playstation 3 for everything. External hard drive with files and music, netflix and hulu support is nice. I do have my laptop for espn3 and sports though.
by nwrolla
Thu May 31, 2012 5:20 pm
Forum: Personal Consumer Issues
Topic: Thoughts On Wine
Replies: 52
Views: 3772

Re: Thoughts On Wine

Oh, I forgot to mention there was a case recently of a man who faked very expensive bottles of wine and the snobs could never tell. I saw this at the dailymail website. He made evidently a fortune but has been caught. That story is the book- The Billionaires Vinegar. I recently read it and it was q...