Search found 1326 matches

by kjvmartin
Sun Jun 09, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12955

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Why did you keep doing it? I did it 3 times. This is on a different scale of dollars, but a similar situation to you. I was young, single, degree in hand, employed. Dream Car = 2005 Mustang GT. Purchased a lightly used model to keep it reasonable. The exhaust note, G-Force during acceleration, and ...
by kjvmartin
Sat Jun 08, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8215

Re: Costco or Sam's Club?

I haven't had time to read all replies yet, but I can say Costco has been such a blessing to our budget. #1 Gasoline. I go at off peak times where there is no waiting and I drive 400+ miles in one car and 75+ weekly in another. The Costco gas station beats local Kroger even with $0.20 in fuel points...
by kjvmartin
Fri Jun 07, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

I only have one kid (well 2, but the other one is 78 :) ), but one of my employees has five and was in this exact predicament a little over a month ago. His Equinox with 285k miles finally bit the dust, so he needed a new car for his 56 mile (each way) commute in the Chicago suburbs. He finally set...
by kjvmartin
Thu Jun 06, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

AWD and adaptive cruise control SCREAMS Subaru to me. Did i miss that you've ruled a Subaru out? They get expensive very fast when you add the tech package and CarPlay. I always considered Subarus to be one of the most reasonably priced cars with active safety measures, but i suppose you might have...
by kjvmartin
Thu Jun 06, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

At the rate you will wear out a car I would get an inexpensive small front wheel drive sedan: Civic, Corolla, etc. Are you really going to make this drive when the weather is bad enough to require AWD to make the trip? I am a product of the "if you want to promote, you'll be willing to go anywhere"...
by kjvmartin
Thu Jun 06, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

AWD and adaptive cruise control SCREAMS Subaru to me. Did i miss that you've ruled a Subaru out? They get expensive very fast when you add the tech package and CarPlay. I always considered Subarus to be one of the most reasonably priced cars with active safety measures, but i suppose you might have...
by kjvmartin
Thu Jun 06, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Prius vs. Ioniq (Toyota vs. Hyundai)
Replies: 10
Views: 1121

Re: Prius vs. Ioniq (Toyota vs. Hyundai)

Recently at the Hyundai dealer checking out some SUVs and was very impressed by the Ionic. I could never warm up to the styling on the Prius, but the Ionic Limited caught my eye. It also has a lot of room for a 6'4 person to sit up front. Nice car!
by kjvmartin
Thu Jun 06, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

BuckyBadger wrote:
Thu Jun 06, 2019 10:03 am
AWD and adaptive cruise control SCREAMS Subaru to me.

Did i miss that you've ruled a Subaru out?
They get expensive very fast when you add the tech package and CarPlay.
by kjvmartin
Thu Jun 06, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

Does your current car have adaptive cruise control? It was a feature that I thought would be so much more useful than it actually is. I find it to be way too sensitive. Yes, the Honda Odyssey has ACC and the full suite of "Sensing" features. I can't speak for other manufacturers, but I find myself ...
by kjvmartin
Wed Jun 05, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Re: Does a big family need 2 big cars? Question for 3 kid+ families

The CX3 maybe 10% better mileage. So gas mileage isn't really a consideration. I am not referring to the CX-3, but rather the Mazda3. It has AWD available now. Edit to add - I would welcome suggestions, but I'm having a hard time finding used with CarPlay and a full suite of safety features (ACC,LK...
by kjvmartin
Wed Jun 05, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3656

Does a big family need 2 big cars? Question for 3 kid+ families

On lease expiration I'm returning my Equinox AWD and deciding on a commuter vehicle to drive to work 450 roundtrip miles a week. The Equinox was a short term lease and now I'm going to finance a long term purchase. Our family car is a 2018 Odyssey which we plan to keep until the wheels fall off. We ...
by kjvmartin
Tue May 21, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6865

Re: Honda CRV or Toyota RAV4 ?

Mazda CX-5 is the leader in this segment by a country mile. Far better materials (especially in the upper trim levels, which start to approach luxury brand levels) and fit/finish than the Rav4 or CRV, more comfortable, more engaging to drive, and a good implementation of Android Auto. Reliability r...
by kjvmartin
Thu May 16, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7139

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Mass almost always helps in a collision. Too much mass too high can increase the chance of a roll over though. On the other hand I really don't like having pick-up truck bumpers pointed at my head and under-run collisions with trailers are about as deadly a collision as you can be in. So on the bal...
by kjvmartin
Thu May 16, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7139

Bigger car, less economical but more safe.. Get used to smaller car over time?

I am coming out of a Equinox lease and our other family car is a minivan. Previously my cars have always been midsize sedans. Chevrolets, Mazdas, etc. My intent was and may be still to purchase a more economical commuter. I test drove a Civic, Accord, Elantra, Sonata, Camry, Mazda3, Mazda6, Corolla,...
by kjvmartin
Sun May 12, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting out the housing market...? No housing that fits our budget.
Replies: 12
Views: 1487

Re: Waiting out the housing market...? No housing that fits our budget.

It’s a stretch to say you follow Ramsey’s advice given monthly car payments of $590 . . . +1. That did jump out at me. Do you have two cars? Spouse working/not working? That strikes me as very high for a single car for someone with your income and family expenses. A car with a $200 monthly payment ...
by kjvmartin
Sun May 12, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting out the housing market...? No housing that fits our budget.
Replies: 12
Views: 1487

Waiting out the housing market...? No housing that fits our budget.

In my metro area, trying to buy a house is a frustrating experience. My family of 2 adults & 3 infant-toddler kids has been renting an average 2 bedroom apartment. Our rent has climbed from $755 to $1275 over the last 6 years. Every year, as our lease has neared renewal, we've shopped for houses. Th...
by kjvmartin
Tue May 07, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7673

Re: Walk away from my auto lease?

A coworker had a less than 2 year old leased Chevrolet Malibu which overheated. She turned it off, got a ride to get coolant, filled her car and drove it home. It overheated again by the time she got there. It was current on maintenance service all done at the dealer. They claimed that the radiator ...
by kjvmartin
Sat May 04, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9658

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. Android auto and apple carplay can be had for $300 in any car with a new ...
by kjvmartin
Thu May 02, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 13
Views: 1350

Re: I'm evaluating Quicken 2019 vs Personal Capital

I have been chained to MacOS for 10 years or so because of Banktivity, an Apple only Quicken. A lot of historical data there. iOS versions are not as powerful or useful.

I've been trying to rely more on Personal Capital in an effort to wean myself. So far, so good.
by kjvmartin
Sat Apr 27, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Best email client for Mac?
Replies: 13
Views: 1088

Re: Best email client for Mac?

As a Mac user since 2006, the software side has been worsening. I've recently jumped ship to Chrome after too many of my regularly used sites started glitching in Safari. For example, Citibank refused to load properly. I begrudgingly deleted all of my browser history/cookies and it worked again for ...
by kjvmartin
Fri Apr 26, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: QLED vs OLED TV
Replies: 4
Views: 615

Re: QLED vs OLED TV

looking for a large 65" flat screen TV for my Living Room. I really like the LG OLED TVs as picture quality is amazing. I am concerned about potential "Burn In". Samsung QLED TVs seem like a safer choice. What do you guys think is the best value TV in the samsung lineup? Samsung does not support Do...
by kjvmartin
Tue Apr 23, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11930

Re: Who is buying 1-3 year old used Toyotas and Hondas?

I bought a 2017 Avalon in December 2017. It was a CPO with 24,000 miles. I paid $22,000, vs. $34,000 new, and got an extended warranty to 100,000 miles. No problems with the car at all. Toyota dilutes their value a bit more than Honda by selling extensively to rental fleets. Also, 2017 Toyota's are...
by kjvmartin
Sun Apr 21, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9658

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: 2513

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: 5202

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: 2566

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: 2566

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: 2566

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: 1391

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: 3170

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: 3170

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: 5891

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: 3823

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: 4433

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: 4433

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: 1084

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: 1084

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: 9252

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: 2376

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: 680

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: 680

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: 680

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: 345
Views: 34659

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: 1643

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: 9459

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: 4120

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: 5694

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: 448

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: 448

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...