Search found 1303 matches

by kjvmartin
Sun Apr 21, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 100
Views: 7404

Re: Luxury car recommendations?

The trouble with buying anything used right now is that many important things are becoming standard on current 18/19/20 models and those are lacking on the 15-17. CarPlay/Android Auto and many driver safety aids come to mind.
by kjvmartin
Thu Apr 11, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: new car thoughts
Replies: 15
Views: 2416

Re: new car thoughts

No CarPlay in the Highlander is a dealbreaker.
by kjvmartin
Mon Apr 08, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 4919

Re: Solution for a thick wallet

A big part of why I quit maximizing gift card incentives. Sure, I can get some extra cash back and/or fuel points....but then either remembering the cards or overstuffing my wallet becomes too big a hassle.
by kjvmartin
Sat Apr 06, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2453

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

Buyers remorse. Keep the iPhone. We have 2 iPhone XS which we upgraded to from the 7. The plan was to keep them 4 years and enjoy the latest camera technology to capture our kids precious moments. I paid up front for the phone rather than financing. The camera is rather bad, indoors. Outside, it's ...
by kjvmartin
Sat Apr 06, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2453

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

Buyers remorse. Keep the iPhone. I miss TouchID and do not care as much for FaceID because it's harder to use in low light in the morning and incognito during a meeting. FaceID doesn’t use ambient light; it will work in pitch black. FaceID doesn't work with my glasses off, even though I've tried to...
by kjvmartin
Sat Apr 06, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2453

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

Buyers remorse. Keep the iPhone. We have 2 iPhone XS which we upgraded to from the 7. The plan was to keep them 4 years and enjoy the latest camera technology to capture our kids precious moments. I paid up front for the phone rather than financing. The camera is rather bad, indoors. Outside, it's ...
by kjvmartin
Thu Apr 04, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Cruze
Replies: 25
Views: 1307

Re: Used Chevy Cruze

Lots of specials on the Cruze right now, so I have been paying attention. I'm looking for decent + affordable commuting. I really want to like it, but it doesn't have the fully functioning emergency breaking available as one could get on a similar Honda. Also, no adaptive cruise control. It has low ...
by kjvmartin
Sat Mar 23, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 2995

Re: Lease a car or buy a car

People are out of touch..in 2019 there are no zero down $99 per month leases anywhere and barely any $249..cheapest is like $279-$299 for anything halfway decent. Interest rates are up and residuals are down. I found that true when I briefly lived in a rural area, but in a major metropolitan area w...
by kjvmartin
Fri Mar 22, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 2995

Re: Lease a car or buy a car

You can usually find a lease special (not on a Mercedes, probably) for under $250 a month x 24 months. Over 10 years, that's $30,000. You can have a brand new car every two years for a total outlay of $30,000 and never pay for any upkeep. Or, you can spend $30,000 now on a brand new car and have a c...
by kjvmartin
Fri Mar 22, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5751

Re: Family man who misses driving a fun car

Two teenagers and two adults with everything for a two day trip to the beach, all in a Ford Focus. Never been a problem. I am quite perplexed by the occasional insistence I see here and there that if you have kids you must have an SUV. On other threads someone mentions having two young ones and a s...
by kjvmartin
Sat Mar 16, 2019 12:43 am
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 54
Views: 3710

Re: End of Support Chromebook

Even my 2008 iMac, still running like a champ, became officially "vintage" in the Apple world a couple years ago. It only got 10 years of updates.

Companies have to eventually move on with tech, I suppose?
by kjvmartin
Tue Mar 05, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4292

Re: Value of Vacation Experiences with Big Fam & Young Kids

As a preface, I'm not one who is known to love traveling. As a couple, we haven't slept anywhere overnight since our honeymoon . I'm close to capping out on my vacation time at work (8.5 weeks) with no option to cash out. I'll need to find some reason to use it. I can't fathom that you haven't spen...
by kjvmartin
Sun Mar 03, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4292

Value of Vacation Experiences with Big Fam & Young Kids

As a preface, I'm not one who is known to love traveling. As a couple, we haven't slept anywhere overnight since our honeymoon and we've since had three young children approximately two years apart. The oldest will be five this spring. No interest in flying, but don't mind driving. We've considered ...
by kjvmartin
Wed Feb 27, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Word crashes on startup
Replies: 24
Views: 1071

Re: Word crashes on startup

I preferred not to put any money in Steve Jobs' pocket, and continue now that he's gone. This is the first time any Windows software I've used has crashed in decades. That's unfortunate, give your fru-gal username. Well timed purchases and properly maintained Apple computers are, I believe, the mos...
by kjvmartin
Wed Feb 27, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Word crashes on startup
Replies: 24
Views: 1071

Re: Word crashes on startup

I can't help you with any of that, but... You just gave me some flashbacks to my life pre-Apple-Mac. Other than my latest MBP needing a new keyboard under warranty, I can't recall having to troubleshoot any issues for the last 15 years or so. I run a free copy of MS Office for Mac through my employe...
by kjvmartin
Sat Feb 02, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9043

Re: Marriage "Benefits"

Wedding at our church.. I think we paid for a few candles and a gratuity for the pastor. We had some cheese/crackers and a fruit tray downstairs at the church with our cake. A few flowers...We had a few pictures upstairs after the ceremony while everyone snacked downstairs. Went downstairs, heard tw...
by kjvmartin
Wed Jan 30, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: What's the current, best way to source decent eyeglasses (frames & lenses)?
Replies: 26
Views: 2305

Re: What's the current, best way to source decent eyeglasses (frames & lenses)?

Get your eye examined in your local trusted office, take your eye exam prescription to Costco - if you are not looking for fancy eye wears. I did not like Costco at all. They do not sell ultra high index lenses, which is a must for me. They sold me lenses which were so heavy the glasses could not s...
by kjvmartin
Sat Jan 26, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Office Decor Ideas.. (Budget)
Replies: 14
Views: 665

Re: Office Decor Ideas.. (Budget)

Do you work for a Megacorp? Some old-school megacorps have art closets in their facilities department (particularly in their headquarters city) where they have all kinds of office decoration stuff. Some of it could have been intentionally purchased but some of it is just leftovers. If they've got a...
by kjvmartin
Sat Jan 26, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Office Decor Ideas.. (Budget)
Replies: 14
Views: 665

Re: Office Decor Ideas.. (Budget)

Look at Minted.com Other ideas: frame a nice poster (art museum gift shope) or large map. Plants Presumably you got a raise if you now have staff? Sounds like buying clothes for work - may need to spend a bit to get something you like AND conveys the right impressions. Thanks, will check out Minted...
by kjvmartin
Sat Jan 26, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Office Decor Ideas.. (Budget)
Replies: 14
Views: 665

Office Decor Ideas.. (Budget)

I recently switched from a cube dweller to an official office dweller. It's a decent size space with 4 walls, a corner desk, large file cabinet, and a long accent shelf. I do not have a window. A few of my staff have made comments about the need for decoration. This is not my wheelhouse, but I would...
by kjvmartin
Wed Jan 23, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25410

Re: What lifestyle creep made you happier?

I find us going backwards in some areas. It was a stretch to upgrade my electronics often enough growing up. It's certainly more affordable for me now, but I'd rather my items stay functional longer. A new smartphone every year or two isn't putting the same smile on my face I imagined it would. Like...
by kjvmartin
Mon Jan 21, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1618

Re: Federal Workers

I briefly worked for the federal government starting one year ago and took a 12% pay-cut to start. 15% tax bracket.. Long term, it would have been a solid improvement for retirement with a pension. Short term, the relocation was employee paid, the pay was less, the benefits were more expensive. The ...
by kjvmartin
Sun Jan 20, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9178

Re: Grocery shopping strategy

Every week I go to Costco and Meijer or Costco and Kroger depending on the mood. Costco is a must.
by kjvmartin
Sun Jan 20, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3877

Re: 2019 Camry vs RAV4

I would not get a 2018 Toyota anything.

2019 I believe is the first year they've added support for CarPlay and Android Auto. Cars are out of style right now. People get hooked on "sitting up high" in their vehicles, I suppose.
by kjvmartin
Sat Jan 12, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 5527

Re: MMORPG games

Interesting thread and kind of revealing what with all the people posting about addiction. I wonder if decades from now the designers of these things won't be viewed as tobacco industry executives. It's clear a lot of features in the games are deliberately designed to be addictive. Discovered WOW a...
by kjvmartin
Sat Jan 12, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Changed withholding... Am I doing it right? Also: How to prioritize tax shelters when your tax rate maybe nil?
Replies: 6
Views: 440

Re: Changed withholding... Am I doing it right? Also: How to prioritize tax shelters when your tax rate maybe nil?

In this situation, socking away every dime you can in Roth IRAs should be priority #1. Money going in will not be federally taxed, and money pulled out will not be federally taxed either. Beyond that, finding the right mix of tax-deferred and taxable accounts will be more difficult. I suspect that ...
by kjvmartin
Sat Jan 12, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Changed withholding... Am I doing it right? Also: How to prioritize tax shelters when your tax rate maybe nil?
Replies: 6
Views: 440

Changed withholding... Am I doing it right? Also: How to prioritize tax shelters when your tax rate maybe nil?

Reviewing my tax situation with three home age kids, a stay at home mom, and a recent promotion at work to $74k gross a year. The IRS withholding form advised me to change my withholding to 14. The online calculator said 15. The form said to give 4 exemptions for each kid plus 1 for each adult. 12+2...
by kjvmartin
Thu Jan 10, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 5527

Re: MMORPG games

Got seriously hooked in high school on EQ. Was in a top ranked world famous guild. This drastically effected my studies and life through year 2 of college when a computer issue forced me offline for a few weeks. That break and the readjustment that came was the catalyst for me to make some changes. ...
by kjvmartin
Wed Jan 09, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 2844

Re: Leasing a car

When the new Equinox came out last year, Chevrolet really wanted to push them. I got a loaded 2018 for $200 a month with no money down over 2 years. My 2011 car was totaled out and I received $6000 for it. Banked that..... $2400 total cost of ownership with maintenance included for the Chevrolet. If...
by kjvmartin
Tue Jan 08, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: simple smart phone
Replies: 12
Views: 1254

Re: simple smart phone

Pick your choice of Apple phone. They have the market cornered on user friendly. iPhone just works. My step-father was the least technological person I've ever known and had an inexplicable disdain for Apple. He insisted on an Android based on the recommendations of a pushy AT&T salesman padding his...
by kjvmartin
Sun Jan 06, 2019 1:03 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23526

Re: $40,000 in debt, bankruptcy seems to be the best option right now

I'm going to go against the grain and say you should stick with the house if you can. I doubt you will do THAT much better in Miami and there will be transaction costs to moving. Presumably some of those mortgage payments are to principal and so your loan is amortizing and there is some forced savi...
by kjvmartin
Tue Jan 01, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 4095

Re: Uber/Lyft where do you sit?

When I drove for a young company called Lyft, the culture they were proliferating was to try and encourage informality and friendliness. They told us to expect, offer, encourage, and invite people to sit up front with us. We were to "fist bump" upon pickup. :shock: Passengers weren't getting that me...
by kjvmartin
Sun Dec 30, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Long term disability - any real world examples of collecting benefits?
Replies: 21
Views: 1378

Re: Long term disability - any real world examples of collecting benefits?

LTD is included by my very large employer for $40-$60 per pay period. It's a no brainer. I would estimate 99% of employees participate in the plan. We all know at least one person who has been off for an extended period of time where LTD kicked in.
by kjvmartin
Sun Dec 30, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5772

Re: Shoes to wear with jeans to the office?

I wear Clarks with jeans or khakis. I have a brown pair and a black pair.
by kjvmartin
Sat Dec 29, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8271

Re: Saving at Costco

The only individual stock I've ever owned. Every time I set foot at any Costco, no matter the time of day, it's busier than I think it should be for that time of day and I think to myself "If I were still the type to own individual stocks, this is a no brainer." They don't even have Costcos in a lot...
by kjvmartin
Thu Dec 27, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: New House Construction: Licensed Inspection
Replies: 10
Views: 972

New House Construction: Licensed Inspection

The region I'm moving to seems to have an exclusive major builder that has planted quite a few subdivisions at different price ranges. There aren't many desirable existing homes for sale and the new houses are reasonable for us to plan a move. We've done a tour to get an idea of the process. Everyth...
by kjvmartin
Wed Dec 26, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4624

Re: Working Holidays for extra money.

There are certain professions that we, as a society, need on duty 24/7/365. They should be compensated for that. Otherwise, it's not good putting less emphasis on these important days and more emphasis on commerce. Our holidays are an important part of the fabric of our society. Rest and family tim...
by kjvmartin
Tue Dec 25, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4624

Re: Working Holidays for extra money.

There are certain professions that we, as a society, need on duty 24/7/365. They should be compensated for that. Otherwise, it's not good putting less emphasis on these important days and more emphasis on commerce. Our holidays are an important part of the fabric of our society. Rest and family time...
by kjvmartin
Mon Dec 24, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: iBank / Banktivity for MacOS - Switching to Chrome
Replies: 6
Views: 521

Re: iBank / Banktivity for MacOS - Switching to Chrome

I have been using Banktivity for macOS, formerly iBank for OSX, for 10 years. I'm disillusioned with most of my Apple hardware and pleasantly surprised by the nice Chromebook we've acquired. It may be a little less fluid, but it's less than 1/4 the price of a MacBook Pro. I'd honestly like to sell ...
by kjvmartin
Mon Dec 24, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: iBank / Banktivity for MacOS - Switching to Chrome
Replies: 6
Views: 521

Re: iBank / Banktivity for MacOS - Switching to Chrome

pkjr wrote:
Mon Dec 24, 2018 12:05 am
Personalcapital.com ?
Do all of your accounts load there? My Target, Treasury Direct, and 401k work only for brief periods of time.
by kjvmartin
Sun Dec 23, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: iBank / Banktivity for MacOS - Switching to Chrome
Replies: 6
Views: 521

iBank / Banktivity for MacOS - Switching to Chrome

I have been using Banktivity for macOS, formerly iBank for OSX, for 10 years. I'm disillusioned with most of my Apple hardware and pleasantly surprised by the nice Chromebook we've acquired. It may be a little less fluid, but it's less than 1/4 the price of a MacBook Pro. I'd honestly like to sell m...
by kjvmartin
Sun Dec 23, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1897

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

I have a social work degree. There are 3 degrees that can do roughly the same job when licensed accordingly. Masters in counseling, masters in social work, and masters in psychology. There are a number of hoops to jump through post degree for any of them to be able to independently practice. Not to ...
by kjvmartin
Sat Dec 15, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 101
Views: 11526

Re: Certified Used BMW, Audi or Mercedes

You just can't lump all the models together and say "Mercedes, BMW, etc. are expensive to maintain". There is a big difference between a BMW 7 series and my BMW 2 series. My 2015 BMW 235i has a motor that's been proven to be reliable, it has a transmission that has proven to be reliable, and in gen...
by kjvmartin
Sat Dec 01, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 11059

Re: Why is Costco gas so much cheaper

I am saving a dollar almost per gallon lately, up to the tune of $20 every full fill. This is such a great deal! why is that so? talk about free lunches.. I will end up saving almost $1000 a year at this rate :sharebeer I've heard it referred to along the lines of a loss leader. They don't have muc...
by kjvmartin
Thu Nov 29, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Standalone Apple Watch any use?
Replies: 5
Views: 892

Re: Standalone Apple Watch any use?

I'm getting out of the Apple ecosystem. My mac is going to be replaced with a Dell, and my iPhone with a Google Pixel. Is my Apple Watch any good on its own? I have not researched but am hoping someone will give a definite answer like "No, can't work with your Pixel, sell it on eBay." I've only rea...
by kjvmartin
Thu Nov 29, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2095

Re: Buying with no interest

it wont affect my credit score and even if it did I am wondering where you got this idea from. Opening a credit card is a hard pull on your credit which is an automatic score reduction. You will then have a brand new account, thereby lowering the average age of all of your accounts. This is a score...
by kjvmartin
Thu Nov 29, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4146

Re: Best new Mac/features for 2000-3000

Use iphones/ipods but never had Mac desktop (not interested in laptop). Suggestions at 2-3K? The options are overwhelming. Please give me some advice. Thanks My circa 2008 iMac is still functioning optimally. Anything in the lineup is going to be fine for your limited needs and anything over the ba...
by kjvmartin
Sun Nov 25, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: A testimony of not giving up... Got the promotion!
Replies: 10
Views: 1843

Re: A testimony of not giving up... Got the promotion!

Congrats on the new role and the nice pay bump. Just curious… what was the tie-breaker this time around that you were able to discern? Upper management is a decent size team and the interview panels rotate depending on availability and locale. Each time I went back I had stronger knowledge of the q...
by kjvmartin
Sun Nov 25, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: A testimony of not giving up... Got the promotion!
Replies: 10
Views: 1843

A testimony of not giving up... Got the promotion!

As a forum regular I've benefited from both broad and practical advice dispensed by my fellow Bogleheads. In the last year or two I've started some posts about my challenges advancing at work. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=262716 for example - where I asked for some interviewi...
by kjvmartin
Sun Nov 25, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Destroying my lease mileage
Replies: 26
Views: 2677

Re: Destroying my lease mileage

Can’t you use it until it hits 36K and then return it? I think they are usually 36K miles OR 3 years. This is not true. I know someone who attempted to return a lease early and they will add on the average miles they'd expect to to be used each month till the end of the lease and bill you for them....