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
Search found 138 matches
- Wed Dec 27, 2017 8:58 pm
- Forum: Personal Consumer Issues
- Topic: Crater Lake trip from Bay area in June
- Replies: 21
- Views: 2443
- Mon May 22, 2017 11:49 pm
- Forum: Personal Investments
- Topic: Quickest Path to Financial Independence
- Replies: 26
- Views: 6267
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 the path as well and understand wanting it to be a quick journey but math is math and your two options are earn more or spend less.
Good luck !
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 the path as well and understand wanting it to be a quick journey but math is math and your two options are earn more or spend less.
Good luck !
- Mon May 22, 2017 11:35 pm
- Forum: Personal Consumer Issues
- Topic: Which Small SUV for 15 Year Reliability?
- Replies: 96
- Views: 24491
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 2015 outback and thoroughly enjoy it. No issues with oil burning. The local shop cited it was more common in manual transmissions than automatics. But who knows. I also have an 08 Impreza wagon that will get a head gasket replacement at 100k when the timing belt and water pump is repaired regardless if it is burning coolant or not. I would rather do the work and not have needed it than have the alternate scenario. Especially given the fact it doe...
- Mon Apr 24, 2017 1:58 pm
- Forum: Personal Consumer Issues
- Topic: Best vacuum cleaner for pet hair?
- Replies: 38
- Views: 7896
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.
- Mon Jan 09, 2017 7:20 pm
- Forum: Personal Consumer Issues
- Topic: How much is your cell phone bill?
- Replies: 341
- Views: 45897
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.
- Mon Dec 19, 2016 10:50 pm
- Forum: Personal Consumer Issues
- Topic: How old is your vehicle?
- Replies: 200
- Views: 23317
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!
2015 Outback ( replaced 2006 Subaru )
Hoping to keep the 2008 a few more years and hit at least 200k!
- Thu Dec 08, 2016 11:50 pm
- Forum: Personal Consumer Issues
- Topic: Anyone still upgrading their PC build? (Not replacing the machine)
- Replies: 51
- Views: 6137
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.
- Thu Sep 01, 2016 11:59 pm
- Forum: Personal Consumer Issues
- Topic: Road bike
- Replies: 29
- Views: 4750
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 blast. Get some good shorts and shoes. It definitely helps.
- Wed Aug 03, 2016 8:53 am
- Forum: Personal Consumer Issues
- Topic: Subaru Legacy Question.
- Replies: 20
- Views: 2674
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 hills without pushing the pedal down 40+%
I would definitely recommend eyesight though it is extremely helpful !
I would definitely recommend eyesight though it is extremely helpful !
- Wed Aug 03, 2016 12:56 am
- Forum: Personal Consumer Issues
- Topic: Portland, OR internet
- Replies: 3
- Views: 575
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 isn't known for its awesome wifi coverage and strength.
Good luck!
Good luck!
- Fri Jun 24, 2016 12:22 am
- Forum: Personal Consumer Issues
- Topic: best wristwatch for the price
- Replies: 196
- Views: 23281
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
They come in all sorts of styles and options.
Example :
www.nixon.com/us/en/sentry-ss/A356.html
- Sat May 21, 2016 11:25 pm
- Forum: Personal Investments
- Topic: What to do with $500 a month
- Replies: 27
- Views: 5512
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 $500 a month for sure.
- Thu Jan 07, 2016 12:03 am
- Forum: Personal Consumer Issues
- Topic: 2016 Subaru Crosstrek
- Replies: 44
- Views: 12431
Re: 2016 Subaru Crosstrek
I have a brand new outback and have similar low mpg numbers. Though my commute is 2 mIles each way in 30 degree weather, so I don't expect stellar numbers.
I think normal driving distance greatly impacts overall mpg. I would recommend getting it out on some highway trips as you complete the engine break in phase - read the manual if you haven't done so already.
Good luck with the new car ! They are great vehicles.
I think normal driving distance greatly impacts overall mpg. I would recommend getting it out on some highway trips as you complete the engine break in phase - read the manual if you haven't done so already.
Good luck with the new car ! They are great vehicles.
- Fri Jan 01, 2016 6:27 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
- Replies: 667
- Views: 60423
Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
2131 guessing blind!
- Fri Dec 25, 2015 1:38 pm
- Forum: Personal Consumer Issues
- Topic: What is the appropriate tip at Starbucks on Christmas morning?
- Replies: 76
- Views: 8499
Re: What is the appropriate tip at Starbucks on Christmas morning?
I will start with saying I worked for Starbucks for nearly 7 years. While Christmas day is advertised as volunteer and optional this is not exactly true in a lot of stores. Some manager see fit to assign people Christmas day regardless if the employee was available, had a family gathering and so forth.
That being said I think a couple bucks is appropriate 3-5$. The tips are split for the employees who actually worked that day so it is very equitable compared to normal tip distribution practices.
Merry Christmas everyone !
That being said I think a couple bucks is appropriate 3-5$. The tips are split for the employees who actually worked that day so it is very equitable compared to normal tip distribution practices.
Merry Christmas everyone !
- Tue Sep 15, 2015 11:11 pm
- Forum: Personal Consumer Issues
- Topic: Computer Remote Access
- Replies: 29
- Views: 4813
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 )
- Tue Sep 15, 2015 11:02 pm
- Forum: Personal Consumer Issues
- Topic: 2016 Subaru Crosstrek
- Replies: 44
- Views: 12431
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 and the Forester as well to get a feel for the differences between the 3 cars.
If you can afford it the eyesight upgrade is extremely handy as well. I was sold on it from day 1, while it does have some quirks ( lots of beeping ) it is extremely convenient for maintaining safe driving distance.
If you can afford it the eyesight upgrade is extremely handy as well. I was sold on it from day 1, while it does have some quirks ( lots of beeping ) it is extremely convenient for maintaining safe driving distance.
- Tue Sep 15, 2015 3:49 pm
- Forum: Personal Consumer Issues
- Topic: Relocation to Portland, OR -- Housing
- Replies: 20
- Views: 5089
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 to the amount of bridges we have.
If you have any questions on parts of the city you are considering either PM me or reply on the thread.
Good luck!
If you have any questions on parts of the city you are considering either PM me or reply on the thread.
Good luck!
- Tue Sep 15, 2015 3:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Post your current employer retirement plan! (if any)
- Replies: 94
- Views: 13982
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 affordable index funds !
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 affordable index funds !
- Wed May 20, 2015 11:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1081890
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 wage jobs making ends meet. only saving 5-10% in company 401k plans. 2014- Net worth: 25k Graduate college, got a half decent job to pay back student loans and buy a house. Also received inheritance this year which became a large E-fund 2015- Net worth: 50k Age 26 aggressively paying down student loans but still contributing 8% salary to Roth 401k + 22.5% to traditional 401k ( includes company match ) As of 2015 wife no longer works, full time stud...
- Tue Apr 28, 2015 11:07 am
- Forum: Personal Consumer Issues
- Topic: Freshly roasted coffee beans
- Replies: 29
- Views: 3620
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.
I would also add : Dapper and Wise
Fantastic small batch roaster from Oregon.
- Tue Apr 28, 2015 10:42 am
- Forum: Personal Consumer Issues
- Topic: [new position, facing an] hour commute (each way)
- Replies: 52
- Views: 14196
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 station. Unfortunately with legalization of Marijuana this will not be a viable option for much longer.
The morning drive in is about 30 minutes which isn't awful for 15 mile commute. The commute back home is generally 1.25 hours, all city traffic with a manual transmission.
Parking downtown is 1 mile away from the office for the more affordable option. I could pay 60$ more per month to be closer. The trade off seems tough to make
The morning drive in is about 30 minutes which isn't awful for 15 mile commute. The commute back home is generally 1.25 hours, all city traffic with a manual transmission.
Parking downtown is 1 mile away from the office for the more affordable option. I could pay 60$ more per month to be closer. The trade off seems tough to make
- Fri Apr 24, 2015 12:06 pm
- Forum: Personal Consumer Issues
- Topic: What do you drive, and why?
- Replies: 255
- Views: 43994
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 suspension pieces. May consider replacing but I plan to sell in 2 years. Wife currently drives 2008 subaru impreza with 70k. Car runs great but it will need timing belt, clutch and head gaskets done soon. Most of the miles are city driven very little freeway. The plan is to sell the older one in the next couple years to upgrade to an Outack or Acura RDX for the wife and I will inherit the 2008 impreza until turns 10 or hits 170k. I am not a fan of doing ...
- Mon Mar 02, 2015 8:03 pm
- Forum: Personal Consumer Issues
- Topic: Guns for hunting/defense
- Replies: 159
- Views: 53505
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 AR15 style rifle with plenty of accessories.
Modern AK clone from M&M probably my favorite gun to shoot, it is a tank In terms of reliability.
Wishlist for next rifle: SBR 300 blackout with suppressor. Perfect for all close quarters situations. 9 inch barrel + suppressor won't ruin your hearing indoors. Most SD situations people do not have ear protection on hand or already in their ears.
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 AR15 style rifle with plenty of accessories.
Modern AK clone from M&M probably my favorite gun to shoot, it is a tank In terms of reliability.
Wishlist for next rifle: SBR 300 blackout with suppressor. Perfect for all close quarters situations. 9 inch barrel + suppressor won't ruin your hearing indoors. Most SD situations people do not have ear protection on hand or already in their ears.
- Tue Feb 24, 2015 5:09 pm
- Forum: Personal Consumer Issues
- Topic: Video equipment for someone starting out
- Replies: 8
- Views: 908
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 sports later you will be very glad to have that vs trying to use a dslr.
Just my .02
Goodluck in your search !
Just my .02
Goodluck in your search !
- Sun Feb 22, 2015 11:44 am
- Forum: Personal Finance (Not Investing)
- Topic: What % of your gross income do you spend on mortgage/rent?
- Replies: 155
- Views: 35114
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.
Own a townhome in the Pacific NW.
- Thu Feb 19, 2015 10:17 am
- Forum: Personal Consumer Issues
- Topic: What is your favorite consumer product?
- Replies: 339
- Views: 77680
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
Grape nuts for breakfast
Sony tv
nook e reader
Pretty short list but they are everyday items
- Mon Feb 09, 2015 10:26 pm
- Forum: Personal Consumer Issues
- Topic: Best laptop under $1000
- Replies: 41
- Views: 16669
Re: Best laptop under $1000
gatorman wrote:This^^^^^.jebmke wrote: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.
I recently purchased a Lenovo laptop and it is by far the best laptop I've owned.
gatorman
Another vote for Lenovo. I picked up a Flex last year and it has been fantastic. Comes in 14 and 15 inch size
http://shop.lenovo.com/us/en/laptops/le ... flex-2-14/
- Wed Oct 22, 2014 6:15 pm
- Forum: Personal Investments
- Topic: Help Change Direction - Invest or Fix Personal Finance
- Replies: 16
- Views: 1923
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 your credit card debt paid off, and I don't think you should sell your house either. Here's a step-by-step recommendation for you. Steps 1-4 can be done in an afternoon. Step 1 : Rollover your old 401k into your current 401k. The funds you've picked in your current 401k are very good; you'll want to rebalance to a 80% stocks / 20% bonds allocation, but other than that you're making good choices here already. Step 2 : Start contributing the maximum ...
- Thu Aug 07, 2014 4:36 pm
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1565125
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 !
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 !
- Wed Jan 08, 2014 11:29 pm
- Forum: Personal Investments
- Topic: Over Roth Income Limits - Where to put the money?
- Replies: 13
- Views: 1622
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 6% is tough to beat guarantee in the market
- Fri Oct 18, 2013 11:28 am
- Forum: Personal Finance (Not Investing)
- Topic: Overwhelming Personal Finance
- Replies: 17
- Views: 3837
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 in the mentality of I should be making more / saving more. But it didn't line up with my debt strategy so I had to refocus. That line of thought can be extremely discouraging especially when it seems like there is no end to the pit.
Also I would advise against not combining finances until your married and on the same page (financial agreement hopefully comes before marriage ).
Good luck with everything!
Also I would advise against not combining finances until your married and on the same page (financial agreement hopefully comes before marriage ).
Good luck with everything!
- Tue Aug 06, 2013 12:26 am
- Forum: Personal Consumer Issues
- Topic: Honda CRV or Subaru Outback?
- Replies: 83
- Views: 42569
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 that are frequently abused by their owners. My family has owned Imprezas and a Forester and have had nothing but reliable vehicles. In regards to the 2 blown motors I would venture a guess it was head gasket related and the owners didnt track oil consumption or coolant. Generally 2 indicators. Also subaru of america will sometimes kick in money for major repairs if abnormal issues occur. I currently own 2 imprezas and have enjoyed them thoroughl...
- Thu May 23, 2013 6:13 am
- Forum: Personal Investments
- Topic: Advice Needed For Second Investment Account
- Replies: 19
- Views: 1959
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 contribution back to a sustainable level.
- Tue Apr 30, 2013 9:46 pm
- Forum: Personal Investments
- Topic: Portfolio Q&A -- Probably Some Low-Hanging Fruit!
- Replies: 66
- Views: 4618
Re: Portfolio Q&A -- Probably Some Low-Hanging Fruit!
Ah thanks for the update I missed that, was skimming the previous posts during class.
- Tue Apr 30, 2013 9:45 pm
- Forum: Personal Consumer Issues
- Topic: Help choosing a smart phone Please!
- Replies: 20
- Views: 2357
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 strategy of connecting to wifi in every place they visit regularly.
- Tue Apr 30, 2013 9:35 pm
- Forum: Personal Investments
- Topic: Portfolio Q&A -- Probably Some Low-Hanging Fruit!
- Replies: 66
- Views: 4618
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 year filing jointly? Have you run comparative tax returns to try and save some expenses?
- Tue Apr 23, 2013 11:40 pm
- Forum: Personal Consumer Issues
- Topic: any suggestions on a ccw [Concealed Carry Weapon]
- Replies: 92
- Views: 12113
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 decision! Definitely shoot as many different types of pistols as you can get your hands on to help narrow choices
- Mon Apr 22, 2013 11:51 pm
- Forum: Personal Consumer Issues
- Topic: Buying Tires at Costco
- Replies: 38
- Views: 38667
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 on how busy they are. That aside everything else has been great.
- Fri Apr 12, 2013 10:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Please help me reduce my taxes
- Replies: 31
- Views: 3644
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 quarterly payments will reduce your liability come april.
Good luck
Increasing quarterly payments will reduce your liability come april.
Good luck
- Thu Apr 11, 2013 12:23 am
- Forum: Personal Finance (Not Investing)
- Topic: Capital Loss Carryovers
- Replies: 11
- Views: 2899
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=w ... qSeTwdI1Tw
http://www.google.com/url?sa=t&source=w ... qSeTwdI1Tw
- Tue Feb 26, 2013 11:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: making our money work for us
- Replies: 64
- Views: 8450
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 to calculate the break-even period: http://www.mtgprofessor.com/calculators/Calculator3a.html but if you'll only be in the house 5 years, you may consider a 5/5 ARM also? Wouldn't a 5/5 ARM be risky for the OP if they were unable to sell the house within the allotted time frame they could get slammed on interest payments. It would be a nice savings on the front end though, and they could always refi out of the 5/5 when it was close to the end I ...
- Fri Dec 07, 2012 12:00 am
- Forum: Personal Consumer Issues
- Topic: Anybody here go all-Linux for personal computing?
- Replies: 117
- Views: 11730
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.
- Sun Nov 18, 2012 9:39 pm
- Forum: Investing - Theory, News & General
- Topic: Do you....DCA, lump sum, VA, etc....? (poll)
- Replies: 25
- Views: 1574
Re: Do you....DCA, lump sum, VA, etc....? (poll)
I voted DCA since it is a direct deposit from paycheck to investments.
- Wed Sep 26, 2012 7:38 pm
- Forum: Personal Consumer Issues
- Topic: What Book Are You Currently Reading? Part V
- Replies: 3372
- Views: 1565125
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
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
- Wed Sep 26, 2012 4:30 pm
- Forum: Personal Consumer Issues
- Topic: How Important is Car Waxing?
- Replies: 32
- Views: 7158
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 it is a hobby that has continued through life.
- 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: 6794
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.
- Thu Sep 06, 2012 8:55 am
- Forum: Personal Consumer Issues
- Topic: Low mileage = reduced insurance ?
- Replies: 1
- Views: 394
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 calling my agent today to ask about applying this to my wifes car as she only drives to work and home ( easily below the limit ).
Here is a link briefly explaining some insurance savings.
http://www.dmv.org/insurance/low-mileag ... counts.php
Here is a link briefly explaining some insurance savings.
http://www.dmv.org/insurance/low-mileag ... counts.php
- Wed Jun 20, 2012 5:09 pm
- Forum: Personal Consumer Issues
- Topic: What Do You Use for Streaming on Your TV?
- Replies: 118
- Views: 18306
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.
- Thu May 31, 2012 5:20 pm
- Forum: Personal Consumer Issues
- Topic: Thoughts On Wine
- Replies: 52
- Views: 4592
Re: Thoughts On Wine
That story is the book- The Billionaires Vinegar. I recently read it and it was quite intriguing very good insight into high profile winek-slice wrote: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.