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Archive for January, 2012

Washingtonians - Suggested Credit Unions?

January 27th, 2012 at 06:05 pm

I love my current credit union, Idaho Central Credit Union. Moving to Washington is going to break that bond, however. Often times, I get out cash, and may need to put some back in. So, I need a local branch.

Any suggestions for the Renton area?

I know about the web sites that provide reviews and what-not. But, I want some input from you guys. Smile

Moving - Update

January 26th, 2012 at 06:42 pm

Went and tried out one of the U-Hauls today. We will have to get a 14', because of the third seat. Would be nice if we could just get the 10', as we do not have any big items at all. Our heaviest item is our dining small dining table. Next to that is the iMac haha.

Found out today that we will not have to pay the deposits like normal tenants do. This will save us over $300.

However, our dog just went into heat. Ack! And she is scheduled to get her goods taken out on the 6th. We will have to pay an extra $25, bringing her spay to $125.

I have budgeted $250 for gas. However, gasbuddy.com's trip calculator seems to think otherwise. It is estimating only $100 to get there and fill up. Always better to over-budget! Smile

We found out today just which unit we will be getting. Somewhat, at least. Rent will be $952/mo for a 1 bedroom unit. Better than the $900 for the studio that we originally thought we were getting. Also, since these are "green" apartments, the average cost for utilities (just power) is $35/mo.

Here are the floor plans of the 1 bedroom units:






All come with a bar or island w/ bar, washer/dryer in unit, patio, patio storage closet, walk-in closet, coat closet, granite counter tops, cherry wood cabinets, black appliances, ceiling fans, and our choice of an accent wall.

The studio we would have gotten would have had the options of choosing our colour of counter tops and cabinets, would have had stainless steel appliances, and wood floors instead of linoleum. But whatever. Smile

I, personally, like the second floor plan shown above. I like that the kitchen and dining area are separated from the rest of the unit, somewhat. We would most likely use the dining area to put our little one's crib and stuff in. Would be a good little nook for her, until we upgrade in a couple years (or so) to a larger apartment.

Total estimated moving costs: $1,720
Total estimated bills/mo: $1,560
Minimum estimated income/mo: $1,600

Now, this is definitely cutting it close! However, we will soon be getting rid of our texting plan ($30/mo), will not be driving as much (budgeted $40/mo for fuel), and will be getting at least 40 hours per week.

How I came to the estimated income was taking my hourly wage x 160 and subtracting 15% for taxes. Now, I highly doubt 15% will be taken out for taxes, because the most I've had taken was 5% when I made almost $23,000/yr. Not sure how exactly that equates, but okay!

Anyways... We should be fine. If not, we will make sure we will be. We found a plasma donation center up there, so that would help us get at least $40/wk. Also, my wife wants to - sometime down the road when we can justify the $100 startup cost - become a consultant for Scentsy. If you've never had a Scentsy... They are awesome. Smile

Alright, I think this post has rambled on enough. Wish us luck! Smile

Moving - Job Offer!

January 25th, 2012 at 04:52 pm

Hi all!

I am happy to report that I was offered a job in WA. This is great news! We will bring in more than we are now, and will be able to rent our own place. I will be performing apartment maintenance.

In order to complete this move, however, we will have to deplete our savings account (which is currently at $1,650) to zero. Ack! I have made a budget, and it looks as though we may even be forced to use the credit card.

While this is not at ALL what I want to do, I feel that it would be stupid of us NOT to. I will be making money right off the bat, will have full benefits within three months, and will be making even more as the years go on, as I will have plenty of room and opportunity for growth and promotion.

I will be working with my wife's uncle and his friend. Her uncle has been in the industry for over 10 years, while his friend - former assistant - started where I am, and became a supervisor within three years, and is now making $22/hr and gets free rent.

The planning is going well. We need to get our dog fixed before moving, and she decided that today was a good day to go into heat. Ack! Her appointment is on the 6th, so she will still be in heat then. We may have to pay the extra $25 to have it done while she is still in heat.

Anyways, wish us luck! You should be hearing more from me, as we will have much more going on. Smile

Career Opportunity - Your Input?

January 14th, 2012 at 07:44 pm

I thought that some of you may want to hear about an opportunity I have coming up. 

The other day, we went to Starbucks for our weekly treat. While we were there, a woman not much older than ourselves took notice of us - mainly our beautiful little girl. (No matter where we go, she is always catching peoples' eyes!) We got to talking with this woman, and it turns out we have a bit in common, and she seems like a soul that could teach us a lot as well. She carries a small journal and writes in it throughout the day, rather than hunching over an iPhone, like so many of us (*cough*me*cough*). 

Near the end of our discussion, she grabbed my number and said she would pass it along to her husband, as his "company is always expanding and looking for sharp individuals." 

He called the next day and we arranged to meet at the same Starbucks this evening. A couple hours ago, we had that meeting.

This man came across professional and strong, comfortable in himself and his life. I had some doubts about him, however. I wondered if he was for real. He said things like "ambitious" and "self-motivated" to describe the type of people he looks for. He said he likes to work with people that are busy, that have more than one thing going on in their lives. He said those were the type of people that get things done. 

He asked some things about me. He asked a little about my work history, but mainly about me, as a person. My ambitions. Goals. Aspirations. Where did I see myself in one to five years, if I did find that career I was looking for. I told him, "I'll tell you - I can't describe my future, without describing my family. We take joy in the outdoors, the world, the people in it. My wife and I have a dream about owning a VW bus for camping and road trips. We want to homeschool our little girl." And then I mentioned that Idaho ranked 47th in quality of education... "We want to be able to bicycle more." More on that in a moment. Smile "We want to eventually make our home in Portland." Then he asked why we felt Portland was a good match for us. I told him, "What's not to love about Portland? Really. It's beautiful. It's bicycle friendly. There is loads a family can do there, and affordably! There's history. Portland is the most eco-friendly city in America. It's.... For us, it's that place. You round the turnpike to get onto the interstate that runs through the city and... You see the city itself for the first time... And you get goosebumps. Nowhere else is it like that for us." All he said was, "Oh wow." He actually didn't know exactly what to say to that. He seemed impressed. 

So what exactly does this guy do? He explained, a little bit. "We work with entrepreneurs... And we set them up with retailers... Most of our income is residual." 

Near the end of our meeting, he asked if making $50,000 a year, 10-15 hours a week was something my family could live with. I tried not to act impressed, as I am still skeptical. I told him, "That would definitely be a good figure if it worked that way." I had to come up with this response on the fly, and I think it was a pretty neutral one. 

We set up to meet again on Tuesday at 7:40p. We will meet at Starbucks, then go to his house. Hmm. He told me to bring my family so we could talk more in detail and decide whether or not it is a good decision for us to make. 


It sure sounds like a wonderful opportunity, does it not? What do you all think? 

I thought this sounded like something someone would rather hire a college graduate for...?

--

We got a bicycle trailer for the little one! Finally! It's a Burley D'Lite two-kid stroller. Or, if you're us, one kid and a Miniature Schnauzer! Smile It also converts to a jogging stroller, which is what we have been looking for. If you look this one up, it retails anywhere from $500-700. How much did we get it for? $100. Smile 

We sold my massage table for $180, put $80 into our birthday trip fund, and $100 for the stroller. We think we got a great deal. Smile 

Amazon Free Shipping - Short by a little & don't know what to get?

January 12th, 2012 at 12:46 pm



I am a fool for Amazon.com's FREE Super Saver Shipping. And here's why: If you spend just a little more, you can usually end up getting something basically for free, when you figure that that money would have been used for shipping.

Earlier this week, we went out to the car to find that some idiot had broken one of our wiper blades. The same person also got into another person's car. Well, I am pretty sure that the wiper arm is okay, so I just need a new blade. Straight from the manufacturer, these blades are $30. No thanks! So I looked at AutoZone and similar places, to find blades for the same price, but of much better quality, such as the RainX blades.

Then I read about silicone blades. These things last for YEARS, rather than the recommended six months. And they keep on working! And, guess what... Retail price is $25!

So I did some hunting, and found the same ones on Amazon for much cheaper! To be exact, the driver side (a 22" blade) is $14.27, and the passenger side (a 19" blade) is $10.40. Altogether, that is just under $25.

Well, as most of you know, FREE Super Saver Shipping kicks in only at $25, on eligible items. So I browsed my Save For Later list, and realized that I had some Kool Stop bicycle brakes on there for my '72 Schwinn. SWEET!

Added those to the cart and the total came to just under $35, $5 cheaper than if I had ordered just the blades and paid for shipping. HA! Take THAT, Consumerism! And I got all those for less than one blade from the manufacturer. Smile

So, if you think you're just going to have to buck up and pay for shipping, remember to check your lists. If you can't find anything in there cheap enough, there is this super awesome tool, called the Amazon Item Filler. You simply enter the amount that you are short on receiving the FREE Super Saver Shipping, and it finds items in and around that amount. Alternatively, you could always enter the difference between the total for shipping, and the current amount of the items you have. In my case, this would have been about $10.

Here are links to the items mentioned in this article:
edit: For some reason, links are not showing up when using vB code or HTML... >.<
http://www.amazon.com/gp/product/B00029X5WO/ref=oh_o00_s00_i00_details - Silblade (choose your size - don't know it? Amazon does!)
http://www.amazon.com/gp/product/B001SYM690/ref=oh_o00_s02_i00_details - Kool Stop Continental bicycle brake pads
http://www.filleritem.com/ - Amazon Filler Item Finder

Interview Coming Up w/ Farmers

January 9th, 2012 at 02:03 am

I received a voice mail this evening from Farmers Insurance Group wanting to interview me for a position I applied at there. They're the only employer that has called me back, so I guess I'd be stupid not to go! Ha!

Question is... If I did get the job, would I really want it? Answer to that is, "Doesn't matter - you need it!" I have heard that insurance sales persons can either make super great salary, or super poor salary. I've read (on glassdoor.com) that you have to dedicate all of your time to be successful.

Anyone know someone in the biz or anything?

Still waiting to hear from my wife's uncle about the job in Seattle. He does not know yet.