https://file.dos.pa.gov/search/business

here is the link to search for businesses in PA. I entered Quest Diagnostics and got several results with names and addresses.

Super helpful to know this when we decide to get married. Thank you very much!

That's fair, having a good wage and retirement savings is definitely important. What I meant was that OP should consider which job has better opportunities for learning and growth, if one job pays a little more but isn't something they're interested in long term, it would be worth taking a tiny paycut to do the more interesting work or the one that gives them better marketable skills for the future. It seems like both jobs are about equal benefit-ways with #2 being slightly more lucrative which in my mind, means they should choose based on which job will give them a better career path for 5/10 years in the future.

I can definitely try that!

The last time we were expecting a child, the hospital asked for money upfront. I told them that as a rule, i don't pay anything until I see my EOB from my insurance company. They backed down. Not sure if they will take no for an answer, but you can give it a shot.

I mean this is a very personal question. Not everything is about money. Obviously on the money side yes the new job pays more so the new job is better. Everything else is subjective and only you can tell you what you think. I can say that I don't think its crazy to pass up a job that offers 11% more money just for the sake of comfort or security though.

More than salary I would consider if the move in company is a good move for your career or not.

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> does anyone have experience with a parent doing something like this?

Yes. My great-uncle hid hoards of cash in the walls, glove compartments of 100+ cars in his yard and large farm. We suspect some of the stuffing in antique dolls was once cash, and we're almost certain it was hidden in various piles of newspapers and other random household items in his floor to ceiling "only had narrow paths through" house.

He was known to be hoarding cash for decades. His gave my parents the cash for their first home in the late 1970's, around $35,000. If that is not wild enough, he delivered it to them in black plastic garbage bags. THAT had to be hoot at the closing. I cannot imagine what would happen if someone tried that today.

He was a wealthy man in the depression, though I'm not exactly sure how. He ran a secondhand store so had cash to buy people's priceless family heirlooms, most of which he kept.

> Were you able to convince them to move the money into a bank?

No, never. No bank accounts ever. It sounds like at least you know where the money is, which is good. My great uncle died and his home was cleaned out with large shovels and heavy equipment. We know there was cash in the walls because there was some visible and salvageable after it was demolished. We know it was in car glove compartments because as one was picked up with a crane, the compartment opened and mostly rotted cash fell out.

What-ever he was saving the cash for, it never made it to that destination. Instead the cash ended up as rodent food and in the hands of strangers. Oh, strangers we had to pay for the service of cleaning everything up btw.

Please ask your father what he is saving the money for? If it's for his own retirement, then a deposit box, or a gun safe, or anywhere other than in tinfoil, PLEASE.

That’s how much your 15 year old truck is worth. They will not pay 35k just because someone is selling it for that price across the country. Did you get an appraisal from dealer before you totaled agreeing to buy for that much? Or some private party agreed to pay that much? Did you have modifications add on coverage? Read your policy and limits. Take the money and buy another 2007 sierra.

>Am I legally allowed to contribute up to $7300 even though we are not married, but are living together as domestic partners?

Yes (though see my last paragraph below). The only criteria for allowing $7300 of contributions is that the owner of the HSA is covered by a "family" plan. What other individuals are being covered doesn't matter for purposes of determining your HSA contribution limit. It can be you + domestic partner, you + spouse, you as a single parent + child, whatever.

>She is self employed. Can we both contribute up to $7300 in our separate HSA accounts?

Oddly enough, yes, as long as each individual's HSA contribution stays under the $7300 limit. This is a quirky loophole around the HSA contribution limit rules, which also crops up in situations of parents with their adult (non-dependent) children covered by the same family insurance plan.

On your tax return, you would indicate whether you have individual or family coverage. If it's family, then your HSA contributions can go up to $7300. On your partner's separately filed tax return, they'd also indicate family coverage and also be allowed up to $7300 in contributions into their HSA.

This loophole closes for couples who file as married (either jointly or separately). That situation explicitly limits the couple to $7300 in total going into HSAs owned by either spouse, though AFAIK it doesn't matter which individual's HSA gets what share of that total.

As one last bit, technically your contribution limit gets pro-rated based on each month's HDHP coverage status. So if you switched coverage in the middle of 2022, you'd have some months that use the "individual HDHP" amount (1/12th of the $3650 individual max per month of coverage) and some as "family". You partner would have (I assume) some months of no HDHP coverage (so $0 added to the limit) + some months of "family" coverage. However, there's a "last month rule" exception to that, which you may want to check into to see if that can safely apply. If used, you each would use your coverage status as of December 1 2022 to determine your allowed 2022 max.

An old chest freezer would probably be a bit more fire safe too. Just don't plug it in if it is too old otherwise it will cause the fire.

There is nothing in it for a lawyer to make $!

I would hold onto it in a high yield savings account for now given that student loan forgiveness might not happen.

i think its weird your current company counter offered within a 1000 dollars but not fully to the new offer. that seems sorta cheap to me you know what i mean? idk how i feel about that...

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All other things being equal, 11% is probably not worth the headache of switching.

This is a good response. At least for the next 3 years, at least. There's been too many lay offs to feel comfortable anywhere.

I said it’s a standard, not the standard. I know many people who are in the same boat of having to hit a 75% LTV. This has been especially true with the rapid rise in home prices the past couple of years - banks do not want to get caught holding a bag because Zillow says your house is worth 20% more than you bought it 6 months ago.

In the grand scheme of things. Lump summing one year of $6500 Roth IRA isn't going to move the needle for you one way or another. Given, you can max your Roth IRA and add 4 more months to your EF, it really doesn't matter. Assume 7% in a Roth IRA versus 3% in a HYSA. That's ~$260? And if the recession happens, you lose ~$260?

And if it really doesn't matter, then I would opt to keep it simple and DCA monthly into your Roth IRA and EF. If you change your mind next month or 6 months down the line, sure, lump sum it.

Good luck, OP

The first part works unless interest rates drop and the savings rate is no longer equal to the loan. Five years is long enough for anything to happen. But if you have a loan that lets you prepay without penalty, that’s okay. You could make a little interest until you can’t and then be done.

Buying stock with it is high risk. What if your investments tank? Can you still pay back the loan? That’s leveraged investing, which is highest risk. Unless you can afford to lose more than 100%, it’s a bad idea.

I'd look at the difference in health insurance costs, but otherwise this looks like an improvement in all ways.

10% increase.

10k signing bonus.

an extra half week PTO due to the holiday closure.

The 401k match is an outstanding upgrade. Take advantage of that! Granted, no additional pension program, but you're getting an additional 14k/year in your 401k if you max it out.

Not true. Many big lenders like Chase will remove at 80% reappraisal without improvements. I know because I’ve done it (recently).

You’d need to speak with your specific lender. But saying 75% with substantial improvements is standard practice is wildly incorrect.

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What's the pension plan like? A lot of people sleep on pensions but, those are going away these days and they're fantastic. Does it have COL increases? How much is it per year etc?