Search found 689 matches

by kjvmartin
Sat Apr 29, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 82
Views: 4505

Re: Microsoft, I want my computer back!

I have experienced great frustration with odd things happening with my computer. I will be typing and all the sudden my keyboard stops working. It seems that something in Windows 10 is always updating, my modem goes crazy and my hard drive light is going crazy too. On the post before this one, I ha...
by kjvmartin
Fri Apr 28, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Utilities??
Replies: 11
Views: 614

Re: Investing in Utilities??

My grandpa made his fortune on DRIP Southern Company and other power companies. The only time he ever speculated into other markets, he lost a bit (good old K-Mart). Don't assume success as a good strategy. His success may have been entirely due to frugal living and/or luck. His fortune might have ...
by kjvmartin
Fri Apr 28, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Utilities??
Replies: 11
Views: 614

Re: Investing in Utilities??

My grandpa made his fortune on DRIP Southern Company and other power companies. The only time he ever speculated into other markets, he lost a bit (good old K-Mart). He was the millionaire next door. 1 bedroom condo, blue collar neighborhood, 2 towels, 2 pair of slacks. Retired fire chief. He was ab...
by kjvmartin
Wed Apr 26, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1078

Re: Any MPA Grads or Students? Advice.

The teachers assign a lot of reading but I've noticed that there is little correlation between the readings and the assessments so you don't actually have to do most of the readings. Most of the assessments are essays and there have been very few in classroom exams. If you look at RateMyProfessor.c...
by kjvmartin
Wed Apr 26, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 482

Re: AA & Fund Recommendations (401k/457)

If this is a governmental 457(b), there is one benefit to splitting money to it that you won't get with a 401(k). You can withdraw from a governmental 457(b) at any point after separating from the employer without penalty. With the 401(k), you would be penalized if you withdrew from it before age 5...
by kjvmartin
Tue Apr 25, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Replacing MacBook Pro (retina) Battery
Replies: 12
Views: 635

Re: Replacing MacBook Pro (retina) Battery

I've done an older MacBook, non retina screen. In my case, you needed a small set of precision screwdrivers with a phillips head to remove the 10 or so screws on the bottom panel. It then lifts right off, but the screws are very small and easy to lose if you aren't dextrous. The battery in mine was...
by kjvmartin
Tue Apr 25, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 482

Re: AA & Fund Recommendations (401k/457)

If you're like me you might want to do a little hands-on allocations. If you put 30% into the State Street Bond Market Index then you could allocate say 14% into State Street Global All Cap ex US, 45% into the State Street S&P 500 Index, and 11% into the State Street Russell 2000 Index you get ...
by kjvmartin
Tue Apr 25, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 482

Re: AA & Fund Recommendations (401k/457)

Hi kjvmartin, Good work getting organized. It appears you are getting the full 7% employer funds, which is great. Also, 60/30 doesn't add to 100. I'll assume you meant 70/30. First. there is no need to split between 401k and 457. Put it all in the 401k first. If you max that out, then contribute to...
by kjvmartin
Tue Apr 25, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 482

Re: AA & Fund Recommendations (401k/457)

Hi kjvmartin, Good work getting organized. It appears you are getting the full 7% employer funds, which is great. Also, 60/30 doesn't add to 100. I'll assume you meant 70/30. First. there is no need to split between 401k and 457. Put it all in the 401k first. If you max that out, then contribute to...
by kjvmartin
Tue Apr 25, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: AA & Fund Recommendations (401k/457)
Replies: 10
Views: 482

AA & Fund Recommendations (401k/457)

33 Years old with access to an identical 401k & 457. Of all the reading and posting I've done around here, I've put off serious thought into my ongoing AA and selection of funds. I started out well and have generally avoided the active managed funds through the first 9 years of my career. My emp...
by kjvmartin
Tue Apr 25, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1078

Re: Car troubles?

Thank you all for the information and shedding some light on this. My plan is to use the CR-V for next 3 to 5 years which will take us somewhere near the 160k mileage. Post up the year for us. My CRV is 2009. The engine does say VTEC on it. This means I have a timing chain right? The dealers quote ...
by kjvmartin
Mon Apr 24, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Administration Professionals Day
Replies: 15
Views: 1118

Re: Administration Professionals Day

We have bosses day, too.
by kjvmartin
Sat Apr 22, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does mom need estate planning?
Replies: 12
Views: 940

Re: Does mom need estate planning?

What happens if you die before your sister? Your mother has a mess to straighten out. Even worse, what happens if your mother dies and then you die in a car accident on the way to her funeral? Is your sister your heir? Is your sister capable of dealing with the estate? I am guessing not since your ...
by kjvmartin
Sat Apr 22, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Does mom need estate planning?
Replies: 12
Views: 940

Re: Does mom need estate planning?

Jack FFR1846 wrote:If she left you the residence and rental property in a will instead of sharing ownership with you, wouldn't you get a stepped up basis? Also, she's only 60. Say she lives another 35 years. Won't things possibly change over that time?


What's a stepped up basis?
by kjvmartin
Sat Apr 22, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does mom need estate planning?
Replies: 12
Views: 940

Does mom need estate planning?

My mom is 60. She's on the low end of income, but inherited money in the low six figures. She has 2 children. She tried to make things very simple. I'm not sure to suggest anything else. Here is the plan. She has my name on all of her assets. She is debt free. Per her wishes - I'm co-owner of her re...
by kjvmartin
Sat Apr 22, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7948

Re: Ally Bank - Savings Account Rate Increased!

Rainmaker41 wrote:It's about time...


I've been enjoying the 1.30% no minimum 12 month CD. This is nice, too
by kjvmartin
Fri Apr 21, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3427

Re: Car Choices

Hi all My husband and I are looking at replacing his car. It's a 2013 Ford Focus, that has a coolant leak smell. It's been back to the dealer (2 different one's) 6 times, and they find nothing. As my husband is chemically sensitive, this is an issue. I am getting tired of taking it to the dealer, a...
by kjvmartin
Thu Apr 20, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1744

Re: Should I purchase Apple Care for my new Apple Watch?

Thanks all for your thoughts. I checked with my CSR card plan and found that accidental damage would be covered for 120 days. The regular Apple warranty just covers manufacturer's defects over a one-year period, and the CSR doubles that. So basically, the Apple Care will give me 20 months of added ...
by kjvmartin
Thu Apr 20, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5039

Re: Tips on Uber

Former/on hiatus Lyft driver here: There are a lot of variables. Sometimes the passenger for pickup is 10-20 minutes away. If that passenger has a rather low rating, it's much easier to decline that request and wait for something better. I started getting more selective over time. It's truly awful ...
by kjvmartin
Thu Apr 20, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5039

Re: Tips on Uber

I just started Ubering this year. Maybe a dozen rides. I didn't realize there were passenger ratings until now. So I looked mine up. 4.58. Haven't tipped yet (I thought you weren't supposed to. Isn't that the point of not getting a taxi?) What does my rating matter? Do some drivers go "that gu...
by kjvmartin
Wed Apr 19, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Re: Mens Blue Jeans - What are we buying now?!

As I got older (60's) my daughter said that I look like a dork in those jeans. Aren't we supposed to look like Dork's when in our 60's? :D Or at least not care how we look? :D My daughter cares when she is seen with me! And soon I meet her new boyfriend and possibly his family! :) I just went to th...
by kjvmartin
Wed Apr 19, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Got an unexpected tax collections notice...
Replies: 24
Views: 3870

Re: Got an unexpected tax collections notice...

At the very least, I would be making sure that I OWED the state for taxes-- then they can't reach into that pot. Obviously, pursue the other options including notifying your state senator and representative-- they may be more "persuasive" This is happily resolved The city sent me a letter...
by kjvmartin
Tue Apr 18, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: CDs best option to park cash locally?
Replies: 4
Views: 529

Re: CDs best option to park cash locally?

Sounds like a sound plan, given the restrictions.
by kjvmartin
Tue Apr 18, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (i...
by kjvmartin
Tue Apr 18, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Re: Mens Blue Jeans - What are we buying now?!

Levi's 550. Relaxed fit. I've been wearing these for years. I think they call them dad jeans now. Thankfully they still print the waist size clearly on the label as a daily reminder. Same here - still wearing 550's - been doing so for 20 years. I find they fit me best - I subscribe to Levis.com and...
by kjvmartin
Tue Apr 18, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7831

Mens Blue Jeans - What are we buying now?!

I'm probably like most guys who don't care for shopping. I still wear the blue jeans I wore in college, which for me ended over 10 years ago. They're 5 pair of low end Lucky Brand Jeans that I paid ~$40/each for at Costco and outlet stores. I was a fan of the style and feel of those jeans. I'm tryin...
by kjvmartin
Mon Apr 17, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 3047

Re: New phone..any advantages to buying at Costco?

No - Costco doesn't "only sell contract phones". The last phones we purchased - iPhone 6s - back in fall 2015 and a Galaxy S7 in Summer 2016 were all under the current purchase options where you either purchase outright or on a 24month, 0 interest payment schedule. Obviously, a contract i...
by kjvmartin
Mon Apr 17, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1078

Re: Any MPA Grads or Students? Advice.

The teachers assign a lot of reading but I've noticed that there is little correlation between the readings and the assessments so you don't actually have to do most of the readings. Most of the assessments are essays and there have been very few in classroom exams. If you look at RateMyProfessor.c...
by kjvmartin
Mon Apr 17, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1078

Re: Any MPA Grads or Students? Advice.

One alternative thought -- have you considered getting an MBA. It is a very flexible degree and I've found MBAs in govt and the non-profit sector. Much of non-profit leadership is enterprenerial, marketing and requires a solid basis in cost controls. I have the impression there are many good MBA pa...
by kjvmartin
Mon Apr 17, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1078

Re: Any MPA Grads or Students? Advice.

I'm 37 and work for the federal government. I completed ~16 years of federal service and hope to retire early with the pension @ 25 years of service. My plan after I retire at 47 is to transition into the non-profit sector. So a few years ago I decided to get my MPA - part time (I also have kids) -...
by kjvmartin
Mon Apr 17, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Would you ever rent a house to a family member?
Replies: 21
Views: 1342

Re: Would you ever rent a house to a family member?

tony5412 wrote:Is it ever a good idea to rent to family or is it always a bad idea?


Would you be glad or sad if you never spoke with them again?

kjvm.
by kjvmartin
Mon Apr 17, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1078

Re: Any MPA Grads or Students? Advice.

Beyond what an old friend is up to, think about jobs you would like to have at some point and determine what the qualification are to get that position. Are there certifications that you can get that serve the same purpose, etc? Try looking on indeed.com and insert the qual you have to see how many...
by kjvmartin
Mon Apr 17, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1078

Any MPA Grads or Students? Advice.

I'm in my early 30s and I just reached 9 years at my public service job (salaried law enforcement). It's a 4 year degree job earning about $65k/year. No pension. This is something I kind of enjoy, but lately it's getting a little stale. Until about last year, I had no desire to promote or change gea...
by kjvmartin
Mon Apr 17, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 3047

Re: New phone..any advantages to buying at Costco?

TimeRunner wrote:Check out Google's Project Fi: https://fi.google.com/about/

Good plan, good phones.


+1.

If I wasn't firmly rooted in iOS, this would be my provider. Hoping they open support for iPhone someday.
by kjvmartin
Sun Apr 16, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4483

Re: Is spending 15K to furnish home too much?

Starting from nothing and furnishing an entire house for $15k is a steal. Assuming you're buying new and it's not from IKEA. I can't imagine many circumstances that someone would need all new furniture at once, short of a total loss house fire maybe? I went to Ikea and got my entire bedroom furnish...
by kjvmartin
Sun Apr 16, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 3047

Re: New phone..any advantages to buying at Costco?

Toward the end of the iPhone cycle, when the new ones are about to come out, Costco often throws in some decent cash card offers for an iPhone purchase. Otherwise, it's too much of a madhouse at my 3 local Costco locations. I also had a very bad experience with returning. Picture 1 or maybe 2 clerks...
by kjvmartin
Fri Apr 14, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Roth During Children Years?
Replies: 14
Views: 1453

Re: Roth During Children Years?

I know there's a strong argument on the Bogleheads forum to gain your tax deferred employee match and then max out a Roth IRA. I'm looking at our effective tax rates for the past 5 years: 9% 9% 7% 7% 8% We are married filing joint with 2 children (so far). It seems like our tax rate is quite low, e...
by kjvmartin
Fri Apr 14, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Roth During Children Years?
Replies: 14
Views: 1453

Roth During Children Years?

I know there's a strong argument on the Bogleheads forum to gain your tax deferred employee match and then max out a Roth IRA. I'm looking at our effective tax rates for the past 5 years: 9% 9% 7% 7% 8% We are married filing joint with 2 children (so far). It seems like our tax rate is quite low, es...
by kjvmartin
Thu Apr 13, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Please recommend-A new TV with good sound system
Replies: 15
Views: 1018

Re: Please recommend-A new TV with good sound system

In the past I had an elaborate, wired, multi-channel setup with a receiver. It was good. I have a mid-range LG TV, which I really like. Seems to have all the picture quality of the Samsung I was comparing it to for less $$. I got a matching LG sound bar last Black Friday season and couldn't be more ...
by kjvmartin
Thu Apr 13, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1757

Re: Working without an office - Strategy

Do they give a reason why you cannot work from home? this seems bizarre to me. I too, labor in the public sector as a full time teleworker. I work from home, except for the 1 day in the office, hotelling. A couple times, my internet service at home has dropped, so I left home to go work at Starbuck...
by kjvmartin
Wed Apr 12, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1011

Re: What to do at the end of the auto lease...

I bought out my Subaru at lease end in December. It was $17K to the bank. But then I did not go register the title in my name until February. The sales tax and title fees and licenses fees and late fees were $1.7K. Ouch.... So if you do decide to buy your car at lease end make sure you go register ...
by kjvmartin
Wed Apr 12, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1757

Re: Working without an office - Strategy

Co-work offices are a big thing these days. You pay XXX per month for access to public/shared workspace. Usually hip spaces with great internet. Space in my town goes for about $200/month for "access" to the public work areas. You basically get access to the office. I think that's a good ...
by kjvmartin
Wed Apr 12, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1757

Working without an office - Strategy

A public sector job, union work, eliminated a lot of office space in our area a couple years ago. As such, they changed over some of the employees to a "hotel" style office setup. So, for my group, there are three times as many workers as office spaces. We are required to be in the office ...
by kjvmartin
Wed Apr 12, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1011

Re: What to do at the end of the auto lease...

Three year old Honda CRV with 30,000 miles. Easy decision if it still meets your needs. Keep the car. Indeed still meets the needs. No issues with it. If we were in the market, a minivan would be a consideration for added convenience for two kids. However, my commuter will need replaced in a couple...
by kjvmartin
Wed Apr 12, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1011

Re: What to do at the end of the auto lease...

delamer wrote:
kjvmartin wrote:Private party value is $15,900


Meaning if you purchased it from a private party?


I think that's what KBB defines it as. It gives a retail value, private party value, and trade in value.
by kjvmartin
Wed Apr 12, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1011

Re: What to do at the end of the auto lease...

guitarguy wrote:I'd buy it.

It's been good and reliable for you, well maintained, low mileage, seems like a fair price for buyout based on KBB.

EDIT: Assuming you like it and it suits your needs since you're considering another one.


Leaning that way. Either a brand new one or buy out the old one. Thanks
by kjvmartin
Wed Apr 12, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1011

Re: What to do at the end of the auto lease...

Private party value is $15,900
by kjvmartin
Wed Apr 12, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1011

What to do at the end of the auto lease...

We have a base Honda CR-V AWD lease ending in August. It's a 3 year, 36,000 mile lease and we'll be about 6000 miles under limit. The car has been excellent and maintained according to the maintenance minder. This lease was $3000 and $200/month. Here are my options: 1. Buyout the lease for $16,000 c...
by kjvmartin
Tue Apr 11, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7291

Re: leaving early from work

It's policy where I work to allow flexible schedules. Examples like Reduce from 60 to 30 minute lunch and arrive 30 minutes later, or leave 30 minutes earlier. Combine the lunch reduction and also shift the work day 1-2 hour up or 1-2 hour down. Leave the lunch as-is and shift the day 1-2 hour up or...
by kjvmartin
Mon Apr 10, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need suggestions to invest 50K.
Replies: 10
Views: 852

Re: Need suggestions to invest 50K.

5 years is the perfect time frame for iBonds because the penalty for early sale goes away at 5 years.

Currently earring 2.76%. I'd buy the max amount of those for the year if I were you. The rest into CDs.

kjvm

Go to advanced search