Search found 1435 matches

by kjvmartin
Fri Jul 03, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 92
Views: 7906

Re: What to do with all this MONEY ?

My grandfather passed with a seven figure net worth. He was very frugal and no one would have ever guessed his net worth earned based on his possessions. Local government pension and held dividend utility stocks. A cautionary tale about legacy: Other than advice, he never helped a living relative fi...
by kjvmartin
Wed Jun 24, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 112
Views: 5552

Re: New 4K TV: LED, QLED or OLED?

I really like the vibrant bright colors of QLED. You'll need a Q80 or Q90 to get a really impressive screen.
by kjvmartin
Sat May 30, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 20
Views: 2952

Re: I'm evaluating Quicken 2019 vs Personal Capital

For those who have a Microsoft 365 subscription, there will soon be available a "Money in Excel" template that will connect to financial institutions and bring everything into Excel. Don't know how much functionality it will have but looks interesting and I think it will be free. This has been "com...
by kjvmartin
Mon May 25, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 28
Views: 1827

Re: Robot vacuums

If our room layout changes frequently. For example we have a large L shaped living and dining room. On the exterior wall is various kids toys, shelves, play kitchen, etc. It changes depending on what's out of the closet or storage. There's so much hair in our house, and I have loved the idea of time...
by kjvmartin
Mon May 25, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Experts: "Workshare" Unemployment/DTI
Replies: 0
Views: 148

Mortgage Experts: "Workshare" Unemployment/DTI

My wife and I had an offer on a single family home accepted, appraised, and inspected ($850 out of pocket). We were set to close. To put it in perspective, we have been in and out of the market out of frustration for a couple years and this was pretty much our dream house. Currently have 3 kids 6 an...
by kjvmartin
Sun May 24, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13734

Re: If Jeep has such poor reliability, how come they are everywhere?

I have a colleague who bought her Grand Cherokee after lease and has bragged about how the purchased lifetime warranty has paid for itself. "I'm just a Jeep girl..." She has owned many.. My mother received an inheritance has next to no living expenses + a pension, and after driving Chevrolet Cavalie...
by kjvmartin
Sat May 23, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10804

Re: Personal spending out of control after Covid-19

I was on my way to the "Quarantine 15". I'm not a runner (knees) and don't have room for an indoor bike/elliptical. Gym remains closed and probably won't go back after they open. I decided to re-calibrate my Apple Watch fitness goals and I'm somewhere between sedentary and active by taking a 30 min...
by kjvmartin
Sat May 23, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10804

Re: Personal spending out of control after Covid-19

I was on my way to the "Quarantine 15". I'm not a runner (knees) and don't have room for an indoor bike/elliptical. Gym remains closed and probably won't go back after they open. I decided to re-calibrate my Apple Watch fitness goals and I'm somewhere between sedentary and active by taking a 30 minu...
by kjvmartin
Thu May 21, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1413

Re: Can I afford to buy an expensive guitar?

Purchased my Martin before getting married, before having kids, and before I could really afford it. It was about a months pay at that time. I have had it 8 years and I use it almost every day. It's just one of those things. Lord willing, 50 years from now, I still won't care that it was an "irrespo...
by kjvmartin
Tue May 19, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 2066

Re: Apple iPad vs Notebook

I'm a fervent Apple customer and can't find a good use for an iPad for any adult in the house. I've tried and bought a few. They have been relegated to my pre-K kids and they're great for that. For adults - It's like you have to try harder to do almost anything on it, and if you want to setup a keyb...
by kjvmartin
Mon May 18, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Will cash be obsolete in a new digital world?
Replies: 20
Views: 1062

Re: Will cash be obsolete in a new digital world?

I had one holdout in my life - church giving. They were reluctant because of fees.

They've add online giving out of necessity during this and there's a convenient option to cover the fee. By the time I get my 2% cash back, the fee is negligible. I hope they continue this option.
by kjvmartin
Mon May 18, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 46
Views: 2789

Re: VW and Audi 0% APR - to buy or not?

Buy the car you want, not the deal you want.

As much praise as Honda and Toyota receive, I couldn't make one work for me my last round of shopping. There are a lot of options out there.
by kjvmartin
Sun May 17, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for Amex Blue Cash Preferred CC...
Replies: 12
Views: 1404

Re: Turned down for Amex Blue Cash Preferred CC...

Given the $95 annual fee BCP is actually a 4.5% groceries cash back card (and only if you spend the full $6,000 annual limit on groceries). You get 5% cash back on groceries with your IT card this quarter and if you had a Chase Freedom card you’d get 5% back on groceries during (at least the last c...
by kjvmartin
Sat May 16, 2020 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 62
Views: 5842

Re: Rent is increased by 6%, negotiation tips?

I was receiving a profession based concession on my lease and it was overlooked at my last renewal after 5-6 renewals with the same concession. It was shocking to see the rent up more than the usual cursory amount. A quick e-mail to the office helped sort things out and cut the increase in half with...
by kjvmartin
Wed May 13, 2020 12:21 am
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 49
Views: 3081

Re: New Laptop Recommendations

Apple Macs typically are the Toyota's of computers. The resale and dependability are superb (yes, there are some outliers). I sell my MacBook Pro every 3 years and purchase a new one for about $300 after my sale. So, my outlay is about $100 yearly and I always have a recent "Pro level" device. I cou...
by kjvmartin
Tue May 12, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: CARES ACT Early 401k Distribution
Replies: 10
Views: 758

Re: CARES ACT Early 401k Distribution

I have maintained my job and salary so far through COVID, but my spouse hasn't. Something I'm not understanding - If it gets to the point where we need to take a partial and early withdrawal from my retirement account, my employers plan (Voya) is not offering COVID as a reason for early distributio...
by kjvmartin
Tue May 12, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: CARES ACT Early 401k Distribution
Replies: 10
Views: 758

CARES ACT Early 401k Distribution

I have maintained my job and salary so far through COVID, but my spouse hasn't. Something I'm not understanding - If it gets to the point where we need to take a partial and early withdrawal from my retirement account, my employers plan (Voya) is not offering COVID as a reason for early distribution...
by kjvmartin
Sat May 09, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 3082

Re: IE, Chrome or Firefox, that is the question.

I use Safari.

There are a couple websites that don't play nice and I really like the new Edge for those sites.
by kjvmartin
Tue May 05, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Rules on returning to work after being furloughed due to COVID
Replies: 36
Views: 3273

Re: Rules on returning to work after being furloughed due to COVID

Maybe it's just my state, but we are not allowed to penalize anyone for missing any work due to pretty much anything right now. We also have to give people a certain allotment of paid leave due to COVID above and beyond their accrued benefit. Also, my employer is temp laying off tons of people for w...
by kjvmartin
Thu Apr 30, 2020 7:35 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52164

Re: How Is Your Job Being Impacted By The Current Crisis?

The biggest change has been going on full time telework. I kind of like it saving a lot of time and money on not having a commute and being disconnected from petty office gossip and dramas. I'm hoping this flexible telework policy continues after the virus has subsided as it could be a win-win for ...
by kjvmartin
Sun Apr 26, 2020 12:36 am
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 3978

Re: Amazing shopping deals now

Has anyone reached out to Amazon on a possible account credit due to Prime not delivering timely anymore?
by kjvmartin
Wed Apr 15, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5166

Re: How to get N95 masks? Seriously

I think consumers will be able to buy N95 masks about the same time the country "reopens." Until then we should isolate to the maximum degree and use improvised masks when absolutely necessary. I found a place selling KN-95 masks for $5.00 each. They arrived in about 5 days. I'm not sure the exact ...
by kjvmartin
Mon Apr 06, 2020 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13507

Re: Help for Landlords in the Stimulus Bills?

I have proactively forgiven my tenant's rent for three months. Not his fault I chose to leverage up my investment property with a mortgage. Nor is it your fault that this coronavirus situation happened. All of my renters are lower income so if they are working, they can pay. If they are laid off th...
by kjvmartin
Mon Apr 06, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Will I regret getting rid of my 12-string guitar?
Replies: 17
Views: 1227

Re: Will I regret getting rid of my 12-string guitar?

I don't see much use for the average guitarist to own a 12 String. Certain cover bands/cover artists maybe?
by kjvmartin
Sun Apr 05, 2020 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Estimating unemployment benefits
Replies: 13
Views: 1193

Re: Estimating unemployment benefits

My state caps at around $350 a month. The CARES Act, if they can ever get their "act" together on it, is another $600.
by kjvmartin
Sat Apr 04, 2020 4:24 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74539

Re: Has Covid-19 changed you?

It has been interesting to read people saying this doesn't seem real yet. I've lost a coworker working an essential job (corrections). Others are sick, some pending test results. They authorized nice hazard pay for those in the most exposed positions. A coworker just lost his grandmother to COVID af...
by kjvmartin
Fri Apr 03, 2020 10:40 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52164

Re: How Is Your Job Being Impacted By The Current Crisis?

I am an essential employee for the state but my wife works at a chiropractor office and has not worked in a few weeks . We are down to a single income . We qualify for the CARE relief and have two young children so that will get us by for a while . Looking forward to her getting back to work and a ...
by kjvmartin
Thu Apr 02, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: The lost era of the 1960's to early 1980's. How did investing work and not work back then?
Replies: 25
Views: 2445

Re: The lost era of the 1960's to early 1980's. How did investing work and not work back then?

Grandpa did very well on utilities and a few other blue chips throughout that time. He had a modest government job and died with over 1 million net worth. He collected his pension and reinvested most of his dividends.
by kjvmartin
Tue Mar 31, 2020 6:23 pm
Forum: Investing - Theory, News & General
Topic: [CARES Act] Overview
Replies: 98
Views: 6519

Re: [CARES Act] Overview

OP, isn't there some legislation about pandemic unemployment assistance as part of the package?
by kjvmartin
Sat Mar 28, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17438

Re: What will you do first, once COVID pandemic is over?

Back to commuting. I've enjoyed getting to spend time with my kids a lot more, but it's hard to be productive with a houseful.

Spouse resigned from her healthcare position for a long list or reasons related to this outbreak and will be on the hunt for a different job.
by kjvmartin
Fri Mar 27, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: corona checks as a rebate on 2020 taxes?
Replies: 54
Views: 5118

Re: corona checks as a rebate on 2020 taxes?

Glad I filed 2019 super early, as we have an extra kid on that return! Hopefully they pick that up.
by kjvmartin
Fri Mar 27, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job/Exposure Risk - Rock and a Hard Place - Hospital
Replies: 15
Views: 1611

Re: Job/Exposure Risk - Rock and a Hard Place - Hospital

My wife works in an essential field related to health care. She doesn't have any particular exposure or risks herself, but her job has failed to properly protect employees from potential asymptomatic spreaders. I'm working from home but have got some risk factors. We discussed the possibility of he...
by kjvmartin
Fri Mar 27, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job/Exposure Risk - Rock and a Hard Place - Hospital
Replies: 15
Views: 1611

Re: Job/Exposure Risk - Rock and a Hard Place - Hospital

I have two separate situations with siblings right now where both are in various positions my BIL works for the City of Toronto, lives in small apartment with my DS , their 3 year old daughter (with history of illnesses) and another kid on the way soon. being a IT project manager but still working ...
by kjvmartin
Fri Mar 27, 2020 10:24 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193808

Re: Bogleheads community discussion - Coronavirus

As for food, we have plenty of beans and rice and canned vegetables, as well as dried fruits and dehydrated vegetables, but my wife wants to go to Walmart to get some fresh produce. I'm holding her at bay for the moment. If I need to pay $7 a pound to buy fresh apples on ebay, so be it. How would E...
by kjvmartin
Fri Mar 27, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Job/Exposure Risk - Rock and a Hard Place - Hospital
Replies: 15
Views: 1611

Job/Exposure Risk - Rock and a Hard Place - Hospital

My wife is a part time hospital general RN. We live in an area that's teeming with new infections, one of the worst in the country. Many healthcare providers in our area are self isolating, but our family and my job requirements aren't conducive to that. The hospital is short on PPE. She's only rece...
by kjvmartin
Fri Mar 27, 2020 7:38 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2073

Re: The Coming Baby Boom?

People cooped up together for months? I predict a divorce boom!
by kjvmartin
Tue Mar 17, 2020 7:48 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52164

Re: How Is Your Job Being Impacted By The Current Crisis?

Law enforcement... No real way to work remotely. We've had some confirmed cases among the ranks locally today.
by kjvmartin
Fri Mar 13, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: North Dakota (Rt 94) & South Dakota (Rt 90) Trip
Replies: 14
Views: 761

Re: North Dakota (Rt 94) & South Dakota (Rt 90) Trip

I was really surprised at the beauty of North Dakota (never been to SD). I lived there for a brief spell. Hot/dry/windy. BUGS! I had some yellow jackets build a nest in the grill of my SUV pretty much overnight. I couldn't believe how there seemed to be bees everywhere I went!! And even when I went ...
by kjvmartin
Fri Feb 28, 2020 7:20 pm
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4743

Re: Are you glad to have bonds in your AA? I am.

The opposite.

At my age, I'm glad my elections are 100% equity. This is, and may continue to be, a buying opportunity.
by kjvmartin
Sat Feb 22, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: [Chromebook recommendation]
Replies: 39
Views: 2233

Re: [Chromebook recommendation]

We got my wife a Chromebook Plus almost 3 years ago. It's got a very nice brushed metal feeling shell and a QHD touch display. The new Chromebook Plus/Pro no longer have QHD, just FHD. So we are sticking with our older model. It has been superb and our total out the door was $350 for it in May of 20...
by kjvmartin
Sat Feb 22, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4779

Re: Master of Social Work degree

I have a BSW and the faculty heavily pressured us to all get MSWs. Full disclosure - I was (am still) hopeless at math and science, paying my way through undergrad, and it was a tough choice for me to pick a degree. I'm not great with kids, so I also didn't want to teach. I needed something where I...
by kjvmartin
Fri Feb 21, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4779

Re: Master of Social Work degree

I have a BSW and the faculty heavily pressured us to all get MSWs. Full disclosure - I was (am still) hopeless at math and science, paying my way through undergrad, and it was a tough choice for me to pick a degree. I'm not great with kids, so I also didn't want to teach. I needed something where I ...
by kjvmartin
Thu Feb 20, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 3980

Re: Guitar for a 45 year old beginner

I have been playing for 22 years and have had acoustics and electrics from Martin, Taylor, Gibson, Ibanez, Ovation, and Fender. You don't want to trap yourself in an instrument to resell at a loss if you decide to quit. You can get a quality instrument (from one of the big names) and not lose much/a...
by kjvmartin
Mon Feb 17, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5585

Re: Anyone watch the Amazon series “The Expanse”?

Just tried to watch this one, had to turn off. Impossible to find any new family friendly Sci-Fi on TV anymore. I fondly remember watching various Star Trek episodes with my parents. I can watch those old shows with my kids today... and I enjoy that, but all of these new ones including Picard have b...
by kjvmartin
Sat Feb 15, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Costco for tires and batteries
Replies: 38
Views: 2450

Re: Costco for tires and batteries

Forget the tires. Do you use gasoline? I go through at least 2 full tanks of gas per week. 32 gallons of fuel. My Costco gas station is 1 mile from home and 30 cents to 60 cents cheaper than the gas station. If it's 30 cents cheaper, I'm saving $9.60 per week or $499.20 per year. On top of that, we ...
by kjvmartin
Sun Feb 09, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27698

Re: What is the best concert you ever witnessed?

Top 3 of all time was Tool at a small venue, waiting outside by the tour busses and the interactions with the band after the show are big memories of mine. This was on the warm up tour for Lateralus. They've not been anywhere smaller than an arena since the tour. Just saw Tool a few weeks ago. They...
by kjvmartin
Thu Feb 06, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27698

Re: What is the best concert you ever witnessed?

Top 3 of all time was Tool at a small venue, waiting outside by the tour busses and the interactions with the band after the show are big memories of mine. This was on the warm up tour for Lateralus. They've not been anywhere smaller than an arena since the tour. Foo Fighters at the same venue, also...
by kjvmartin
Fri Jan 31, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2883

Re: Mazda 3 v Civic Si

Test drove and nearly bought a new Mazda3 AWD. What an amazing car. The Civic was great, too, but the Mazda3 is engineered to a whole other level. I'm 6'4 and not as spry as I once was. It was a matter of comfort and fit. I'm a CUV/SUV guy now, but I would recommend that Mazda for anyone looking for...
by kjvmartin
Wed Jan 29, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 7080

Re: Considering an iPad. Is it worth it?

I don't draw or sketch. I can do anything else on my MacBook Pro or iPhone and it works as well or better. Apple did well inventing something no one needs but everyone somehow will want. I've owned 3, and either sold or did a hand-me-down when they started collecting dust. The best use is for entert...