Search found 218 matches

by CMartel2
Tue Mar 12, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 7911

Re: Peanut Butter recommendations

Just found Adams Crunchy Peanut Butter at Costco for $8.99 for 80 ounces. Ingredients are peanuts and salt. Costco is great for keto.
by CMartel2
Sun Nov 25, 2018 1:29 am
Forum: Personal Finance (Not Investing)
Topic: taxact 2018 tax year software price increase 100%?
Replies: 33
Views: 6209

Re: taxact 2018 tax year software price increase 100%?

I dumped TaxAct last year after their price hike for FreeTaxUSA and was quite happy. Our tax return last year was more complex last year than it will be this year, even though we will still itemize. I believe the tax cuts will take a lot of business from these tax preparation companies if they keep ...
by CMartel2
Sun Jan 28, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 18562

Re: Your shopping strategy for new tires?

Toyota has a buy 3 get one free sale in October and March. That takes care of snow tires and all seasons. I pretty much use them for all service, including oil changes. Yes, I pay more, bit the dealer shuttle ensures I don't miss work, which more than pays for any mark-ups.
by CMartel2
Sun Dec 31, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 14649

Re: I Want to Buy a Horrible, Expensive Car

Frisco Kid wrote: Sat Dec 30, 2017 7:32 am OP, your intended usage has Toyota 4 Runner written all over it IMHO.
Agreed. Go with a 4Runner TRD Pro in inferno, and you have a far a more capable, dependable, practical and frankly more masculine car than a Discovery.
by CMartel2
Fri Mar 31, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 4108

Re: Pay of Massive Student Loan Debt with Mortgage Refi?

I see only one really great option, and that is for your husband to make sure he is working for a 501c3 and qualify through IBR for PSLF. That would get his loans forgiven after 10 years of IBR payments tax free. The 25 year forgiveness will kill you, as that is taxable income. PSLF is a gamble, as ...
by CMartel2
Sat Sep 24, 2016 1:21 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 13298

Re: Cities like New Orleans?

New Orleans is a cultural and culinary oasis in the vast desert that is the US South. It's unique, in a good way, without pretensions. But like NYC, may be a better place to visit than live for the average person. Spoken like someone who knows zilch about the south. It is funny, but the only true c...
by CMartel2
Mon Sep 05, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18265

Re: Which city to start early retirement?

Check out the Tri Cities in Washington st, it has the Columbia and snake river, wineries,plenty of recreation opportunities and its 3 hours from Seattle and Portland, The Population is the same size as Boise. No zoo or aquarium. Also less diverse than Boise, which is saying something. The Columbia ...
by CMartel2
Mon Sep 05, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18265

Re: Which city to start early retirement?

Boise, ID. It is not even close. Future job opportunities for your children in Tech, low taxes, great weather, and future growth potential of the area. You are a forward thinker... That area is going to be the next Austin, TX in 15 years. You are ahead of your time. Dan San Diego How do you figure ...
by CMartel2
Sun Aug 07, 2016 9:32 pm
Forum: Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 144
Views: 16509

Re: How does a Boglehead save for child's education?

Our stepdaughter will enter college only 3 years after I started working at a real salary, so I haven't saved much of anything. It will happen, however, as she is going instate. I will just fill up her tuition in a 529 the year before she goes, which will save us around 7% off through the state tax ...
by CMartel2
Tue Jul 26, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan: 1.9% variable vs. 2.625 fixed?
Replies: 10
Views: 1709

Re: Student loan: 1.9% variable vs. 2.625 fixed?

Interest rates are not going to rise fast anytime soon. That said, go with the fixed; they are so close and both low enough to be minimal benefit even if interest rates never rise.
by CMartel2
Fri Jul 01, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Safe, affordable European cities to travel?
Replies: 38
Views: 5474

Re: Safe, affordable European cities to travel?

I am also interested in traveling to northern Europe including Copenhagen, Stockholm, and Oslo on another trip. I am getting surprisingly cheap airfares to this part of Europe for this summer. Cheaper fares than to eastern Europe, actually. Haven't checked lodging yet. How is this part of Europe fo...
by CMartel2
Sun Jun 26, 2016 9:35 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 18010

Re: What did you learn from the post-Brexit bloodbath?

I completely ignored it and had a pint of Speckled Hen for Ole Blighty. Good for them. The results and the market drop were predictable.
by CMartel2
Sat Apr 30, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 13224

Re: Are females just not interested in investing in general or is it just the women that I date?

The frontal cortex--the part of the brain involved in executive decision-making (e.g., choosing long-term over short-term gain)- does not reach maturity until around age 26. I think you see this quite readily in human behavior, with increased risk-taking, acceptance of debt, poor relationship decisi...
by CMartel2
Thu Apr 14, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Dispute the medical bill charge
Replies: 14
Views: 2140

Re: Dispute the medical bill charge

It's not really clear from your post what transpired. If you just had an ultrasound performed, that likely would have been performed by a tech and read by a radiologist (depending on the type of ultrasound). You would still need clinical correlation after a read by a radiologist, so at some point, a...
by CMartel2
Wed Mar 16, 2016 6:50 am
Forum: Personal Consumer Issues
Topic: Home Warranty Worth it With Aging Furnace/AC?
Replies: 26
Views: 14963

Re: Home Warranty Worth it With Aging Furnace/AC?

They definitely replaced our HVAC with a new and better one--old ome was a 10 seer beast. Our home warranty company saved us thousands upon thousands of dollars. Our home at that time was about 15 years old when we got it, so right at that age where things fail.
by CMartel2
Sun Mar 06, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 13568

Re: Life Insurance for person with false "Alcoholic" diagnosis

It is best to find the actual diagnosis used. There is no diagnosis of "alcoholism" in the ICD9 or ICD10. Translation: that was not the diagnosis used.
by CMartel2
Sun Feb 21, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan
Replies: 8
Views: 4399

Re: Auto Loan

Just a thought, but you might also want to consider whether a lender will give an unsecured loan. Lightstream, for instance, will, which means you get to hold the title, which can save some hassles down the road. Agreed on having financing available before you show up at the lot. Rates we have recei...
by CMartel2
Fri Feb 19, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Badlands, etc. South Dakota... camping, with dog
Replies: 15
Views: 1840

Re: Badlands, etc. South Dakota... camping, with dog

That area is loaded with things to do. You might consider the Wild Horse Sanctuary. Maybe venturing into Spearfish Canyon. Jewel and Wind Caves.
by CMartel2
Thu Feb 18, 2016 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 4662

Re: Flyer miles worth it?

I live in a small town with a small airport. When I use miles, it is typically to international destinations and not to major cities. These flights are expensive, and I have been averaging over 4 cents per mile, making them well worth it.
by CMartel2
Thu Feb 11, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 48
Views: 7604

Re: Managing kid's internet use

How about completely shutting off their internet other than at specific, monitored times? What value are they really forgoing? One more FB post? One more tweet? Another cute cat video? That's easier said than done, unless you want to take their phones, turn off all Internet in the house, and trust ...
by CMartel2
Thu Feb 11, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 30
Views: 4044

Re: Is Canada on sale? [Currency exchange rate vs. USD]

I have given significant thought to the idea of making larger purchases in Canada. Think boats, snowmobiles, cars... Particularly when used and not under warranty. (Warranties often require work be done in country of sale). I live near the border, and the largest city of any great size is in Canada.
by CMartel2
Tue Feb 02, 2016 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Student loan refi - would you?
Replies: 15
Views: 1937

Re: Student loan refi - would you?

Which bank is this?
by CMartel2
Sat Jan 23, 2016 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: What would a Boglehead do? (CC Debt Dilemma)
Replies: 62
Views: 6079

Re: What would a Boglehead do? (CC Debt Dilemma)

Been there, done that. You need to pay off this debt as fast as possible. Take a real look at your budget and see what you can cut. As Dave Ramsey says beans and rice and rice and beans. You will probably benefit from sweating this out a bit. You need to learn to budget. My recommendation is to figu...
by CMartel2
Sat Jan 02, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 3407

Re: Minivan or SUV?

Lots of snow? Travelling down lots (i.e, more than 20-30 % of road time) on dirt roads? Pulling anything? Then the Pilot. If not, the Sienna. If you have no utilization for the utility of a SUV, you are just spending extra money upfront and down the road on gas.
by CMartel2
Sun Dec 27, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Most cost-effective way to use charitable spending dollars?
Replies: 4
Views: 620

Re: Most cost-effective way to use charitable spending dollars?

You could also look into local charities that need money in the news. I will be giving to the St Ignatius Mission in Montana that has some of the most beautiful murals in the US that ran into trouble when a contractor didn't get the floor right. They are pressed for cash and in a race with time. It ...
by CMartel2
Sun Dec 20, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: The Guardian as best online news source for American?
Replies: 23
Views: 3404

Re: The Guardian as best online news source for American?

The Dailymail also often picks up pieces the US media doesn't cover.
by CMartel2
Mon Dec 07, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 5
Views: 855

Re: Disability Insurance

You have to read the exact policy to compare them. Until you compare the wording side-by-side, you won't know exactly what you are getting. Principal (unlike Guardian) does offer unisex rates that can save females a lot of money, as disability insurance typically costs more for females. That said, t...
by CMartel2
Sun Dec 06, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94303

Re: Flaunt Your High-Mileage Car

I have had 3 cars in my life: 1985 Mercedes 300D turbo diesel - had 344,000 mIles. Was getting close to the point that corrosion was going to require some repairs 2002 VW Jetta TDI - 243,000 miles when we moved to an area with lots of snow, and I had to give her up. 2008 Toyota Highlander - currentl...
by CMartel2
Mon Nov 16, 2015 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Moving in with GF
Replies: 31
Views: 4075

Re: Moving in with GF

There is a reason people for ages did not cohabit before marriage... Unless it is your place, not much. My guess is a contract between the 2 of you that if things go south you reside in the same place will either terminate the relationship or not be worth the paper it is written upon.
by CMartel2
Sat Oct 24, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 5956

Re: Mountain cabin's exterior colors not approved by local home committee

So happy I have never lived in a community with HOA's. What a bunch of busy-bodies. Fly off a cliff.
by CMartel2
Tue Sep 29, 2015 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Term4Sale quotes realistic?
Replies: 13
Views: 4057

Re: Term4Sale quotes realistic?

If your health is good, you arent overweight, your blood pressure and cholesterol are good, and you have no major medical issues, the quotes for the best rates are what you pay provided you don't wait forever. I ended up paying exactly what was quoted online.
by CMartel2
Tue Sep 29, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: Any Regrets Getting Rid of Land Line?
Replies: 74
Views: 12879

Re: Any Regrets Getting Rid of Land Line?

I do miss the days when parents had a clue who was calling their kids. New guy on the line asking about your daughter? You will never know now. Or he will text/snapchat.. It is easy to say that they will just tell you. Hmmm... they were simpler times when I was a teen. :)
by CMartel2
Sun Sep 27, 2015 7:06 pm
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 21404

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

Per CNN the German regulatory authorities just advised that the "defeat device" on the emissions (why can't they just call it a "Brazen Cheater (( or Ashley Madison)) device" ?) was also on 2.8 million diesel cars sold by VW in Germany. I wouldn't touch this stock with the prove...
by CMartel2
Tue Sep 22, 2015 7:17 am
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 292
Views: 38168

Re: College Admission Time, What parents need to be aware and how to be helpful

Another factor in the change in admissions is the number of international students. For Yale, 1987 - 2% 2000 - 7% 2015 - 19%. To be clear, this is not intended to be xenophobic, and IMO it improves the education for all, but it does cut down on the number of available seats for US applicants. Why w...
by CMartel2
Fri Sep 04, 2015 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 557
Views: 380309

Re: Mango prepaid card - 4.8% (effective) APY

Does anyone have any thoughts on the use of the Mango, Netspend or other cards for a downpayment for a home? It seems like a pretty decent vehicle for such. It seems possible to get close to $100k earning about 5%, which would seem like not a bad way to save for a downpayment.
by CMartel2
Sun Aug 16, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 3949

Re: Cell Phone Reception

This can vary greatly with geography. Don't assume one area will be like another. I can predict when my cellphone coverage will drop in my mountainous area in the west by looking at the lay of the land. Try out coverage in various locations or ask others to let you know if they have reception. Where...
by CMartel2
Sat Aug 15, 2015 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 58
Views: 13235

Re: Healthcare cost - Office Visit established patient

Same coverage type in SoCal. The office visit usually would be covered by the copay. Not sure why it wasn't. The procedure, tick removal or whatever, would be subject to the deductible. Call the doctor and offer the cash pay price or whatever their average in network fee is. Given that it's HDHP, y...
by CMartel2
Sat Aug 15, 2015 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 58
Views: 13235

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

I am also annoyed by the new patient premium. I've had the same doctor for probably 9 years now, and he doesn't have any recollection of my medical history until he goes over my electronic chart. Couldn't that history be portable from doctor to doctor and prevent all this data collection whenever y...
by CMartel2
Sat Aug 15, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: Experiences with Medicaid vs Employer Plan
Replies: 5
Views: 1043

Re: Experiences with Medicaid vs Employer Plan

If you look at how much, on average, medicaid reimbuses v. private insurance, you will have your answer. Oregon is relatively weak (but not near the worst) in terms of reimbursement--roughly paying 62% of what private insurance pays for primary care services. You probably won't have providers refusi...
by CMartel2
Tue Aug 11, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: NY Times column (Frank Bruni): "A Prudent College Path"
Replies: 7
Views: 1933

Re: NY Times column (Frank Bruni): "A Prudent College Path"

My experience was that students at the large state school were more grounded in reality, family and spiritual life than were the students at the Ivy where I graduated. The culture was actually more mature at the public school, where it was possible to date and find a spouse as opposed to the Ivy, th...
by CMartel2
Sat Aug 08, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 24
Views: 4444

Re: Credit Card Question

When you do the math, you can come out way ahead on the individual airline cards earning "just" one point per dollar. Even coach to the Caribbean is a lot more valuable than 2 cents per point. I can easily average 4 to 8 cents per mile with my AAdvantage card flying coach. If you go busine...
by CMartel2
Tue Aug 04, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Cancelling credit after first year?
Replies: 6
Views: 949

Re: Cancelling credit after first year?

The only way that cancelling a card might hurt your credit is 1) if you have no other cards and 2) that it may decrease your percent utilization. As long as your utilization is below 10%, it shouldn't be a problem (utilization is 30% of your credit score). You can also lower your utilization by payi...
by CMartel2
Sun Jul 26, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 4492

Re: How much does Property Tax factor in home purchase?

I put property taxes in the same category as credit card debt. They add little and just takeaway for the most part.
by CMartel2
Sat Jul 25, 2015 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 4707

Re: Doc changing last name

No, rural Iowa and yes, prejudices are still around especially in older generations.[/ quote] The other side to that is if your last name is Hispanic, you are also likely to draw a lot of Hispanics, most of whom realistically don't speak English (at least nowhere I have worked) [OT comment removed ...
by CMartel2
Sun Jul 19, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Rx Savings Card - Too Good to Be True?
Replies: 34
Views: 7502

Re: Rx Savings Card - Too Good to Be True?

This is how pharmaceutical companies get you to use their medication when your insurer places a high copay on the medication to discourage you from using. The vompany still gets paid far more by the insurance company than it will ever get paid by the condumer, so it is eorth it to them. The only rea...
by CMartel2
Sat Jul 18, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 9992

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Happy wife = happy life. Anyone else get annoyed by that statement? Boring - what's changed in two years? Any place is boring if one sits at home and does nothing else. I have long held the belief that only boring people get bored. Sounds like some reframing is due. I roughed it out for 4 years in ...
by CMartel2
Wed Jul 15, 2015 11:33 pm
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 2723

Re: '13 Kia Sorento vs '15 Toyota Highlander

As someone who has an older model Highlander (2008), see how much trunk space is available in the Kia with the 3rd row up. The new Highlanders have enough room for a cooler or gear--something the older ones didn't. It makes a big difference when you are running around with kids. My Highlander has be...
by CMartel2
Sun Jun 28, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 72284

Re: What credit should you get? (Ask me anything)

Alliant Credit Union also offers a no BT fee and 0% for 12 months. They typically also give you higher limits. Chase Slate gave me 5k. Alliant? 20k When looking at points, keep in mind where you live. I live in a small town, and airline tickets are expensive. I can get 4-5 cents per point with an ai...
by CMartel2
Mon May 04, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Too much credit?
Replies: 10
Views: 1386

Re: Too much credit?

Large credit limits are a good thing. It shows other lenders don't fear lending to you. Several months (like 2) before you apply for a loan, get into the habit of paying 99% of your balance before they cut your statement. This will maximize your utilization before you apply and thus maximize your cr...
by CMartel2
Thu Apr 23, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 13022

Re: Physicians: What's your vacation policy?

We receive 26 days per year, which includes holidays. Use it or lose it. No rollover. Pay is based on a base salary, and any revenue brought in over that is accrued by an escalating percentage of collections. As someone fairly new with 130k in student loans, I'm not looking to use all of my vacation...