Search found 920 matches

by kjvmartin
Mon Oct 16, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 2960

Re: Bonus pushed back - should I be annoyed?

8foot7 wrote:
Mon Oct 16, 2017 10:12 am
Sure, be annoyed. Ultimately either accept it or look for new job.
It seems like almost every employer, public and private, is having (or choosing) to trim benefits in some manner. I often wonder how far this road will go.
by kjvmartin
Mon Oct 16, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 787

Where to notarize legal zoom documents? Trouble getting witnesses

I purchased some estate documents for my wife and I on Legal Zoom. Last will, living will, and two different power of attorney forms. At least some of these need to be notarized. Where's the standard place to get a will notarized? Do most places of business have extra people around who can serve as ...
by kjvmartin
Mon Oct 16, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Price Rewind Issues
Replies: 0
Views: 144

Price Rewind Issues

I've been excitedly using Citi Price Rewind for two years to the tune of a few hundred in savings. I like ordering something that will go on sale soon without having to worry about actually catching the sale. Often the kids clothes my wife buys at Old Navy go on clearance and we save $5-$20 on our s...
by kjvmartin
Sun Oct 15, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5353

Re: What are you driving? And would you buy your current ride again?

'15 CR-V. We will drive the wheels off it, love it.

'18 Equinox. Ultra cheap lease. Not my favorite car, but has filled a need for the next two years. Couldn't afford a '17 CR-V. I plan to replace it with a pre-owned '17 CR-V in a couple years.
by kjvmartin
Sun Oct 15, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 41
Views: 2743

Re: Amazon Prime - Decline in Delivery Service?

Has anyone else noticed a change? Biggest change for me: almost EVERYTHING we order became Subscribe and Save or "Prime Pantry". Nearly everything I would in 2 days requires me to either use a subscription which is SLOW shipping or PRIME PANTRY which has a $4.99 fee per "box" I find very few items ...
by kjvmartin
Sat Oct 14, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 11
Views: 825

Re: Auto Transport From Florida to Oklahoma.

An average fair condition ranger from this era is about $2500 value on Kelly Blue Book. Cost of transport, flush fluids, fill, tires, whatever repairs. You might net a few hundred on the sale but there would be a great deal of hassle. If you could use the tax break, donate it. If you could use the m...
by kjvmartin
Sat Oct 14, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 55
Views: 4385

Re: Car Buying, Time to grow up.

Thoughts??? I was like you once, trying to be frugal and looking at the Focus. No kids at the time. My wife and I got married and she needed a car to commute to work 2-3 days per week. I saw a Focus for sale, certified, and got an '09 off lease in 2012. It had about 20k miles on it. All she cared a...
by kjvmartin
Sat Oct 14, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 79
Views: 5390

Re: anyone else not liking the new cars?

If it makes you feel better....those new cars will likely have terrible resale too after EVs take over. We are currently a 1 battery-EV, 1 gasmobile family, with the former covering 60-70% of our family driving miles, and the latter mostly for family road-trips. The gasser will be paid off in a few...
by kjvmartin
Fri Oct 13, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2348

Re: Buying 2017 Honda CR-V

Well I've been a good Boglehead but my tired 2004 CR-V with 171K miles needs too much work to be worth keeping. So I drove a 2017 new CR-V base LX, no options, happy with it, sticker was $26,600 . . . can anyone give feedback what to expect for an out the door price. I'll pay cash and no trade in. ...
by kjvmartin
Fri Oct 13, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 55
Views: 4385

Re: Car Buying, Time to grow up.

If you like the Focus, then see what it would cost you with your Uncle's discount. Then you can compare the cost of other cars you consider. I would never ever ever buy a Focus. Only lease it. It's just not a good value, long term. So many problems. Look it up, talk to people. Great driving & looki...
by kjvmartin
Thu Oct 12, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3132

Re: SUV options with 3 little kids

I rented a compact car back in August and they were all out of them. So, they gave me a nicely loaded SLT Acadia V-6. What an excellent riding car! Very comfortable, roomy, powerful engine, quiet. If I ever need a 3 row car, I'll probably buy one. They also reduced the size a bit from prior models. ...
by kjvmartin
Tue Oct 10, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4826

Re: 2018 Honda Accord

The 2.0 liter engine puts out 252 hp so I’m not sure why one would miss the 6 cylinder. The Camry V6 is 301 HP. Also, I love the linear smooth response of naturally aspirated V6 engines. The driving experience of a 2L 4-cyl turbo isn't even close... Agree that these turbos are not a welcome change ...
by kjvmartin
Tue Oct 10, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6291

Re: Asking for discounts

I usually ask for a discount everywhere I go Hotels!!! In college, I worked in a hotel in a town full of hotels. Our "rack rate" was $59 most nights and $79 busy nights. A lot of customers paid anywhere from $30 to $50. An empty hotel room is a loss. AARP or AAA was $53. The break even cost conside...
by kjvmartin
Tue Oct 10, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4826

Re: 2018 Honda Accord

Herekittykitty wrote:
Tue Oct 10, 2017 6:07 pm
visualguy wrote:
Tue Oct 10, 2017 5:52 pm
....... In general, it's hard to find cars under $40K with really good seats...
Why? (This is a serious question. I really don't know.)
Our ~$23k '15 CR-V has excellent seats compared to our $33k '18 Equinox.

Honda could do better in the Accord.
by kjvmartin
Mon Oct 09, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Selling gold jewelry
Replies: 17
Views: 1503

Re: Selling gold jewelry

It's awful hard to cost compare, and for a small order, one must factor in shipping and insurance to Midwest Refineries. I have a local pawn broker than pays more than all the other ones nearby. Wonder how it would stack up... Hmm
by kjvmartin
Mon Oct 09, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4768

Re: Is there boglehead consensus on buying a car?

I am leasing my main commuter car, a 2018 Chevrolet Equinox LT AWD for $245 per month. No up front or turn in fees. This is $2940 per year. Total cost over 10 years will be $29,400 - If I can continue to get a competitive lease rate, which is undetermined. $29.4k cost of ownership over 10 years, to ...
by kjvmartin
Sat Oct 07, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4372

Re: Chrome vs Firefox

wander wrote:
Tue Sep 26, 2017 6:39 am
My computer has 8GB DRAMM which is considered large or better than average
Your thinking is a little out of date on that. I wouldn't buy a Windows machine or Mac intending to run Chrome with less than than 16gb of ram. I think 8 gigs is pretty low.
by kjvmartin
Sat Oct 07, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7020

Re: Tips on Uber

I just started Ubering this year. Maybe a dozen rides. I didn't realize there were passenger ratings until now. So I looked mine up. 4.58. Haven't tipped yet (I thought you weren't supposed to. Isn't that the point of not getting a taxi?) What does my rating matter? Do some drivers go "that guy has...
by kjvmartin
Sat Oct 07, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7020

Re: Tips on Uber

I have taken 155 rides and have a passenger rating of 4.76. My average trip costs around $10-11. What would my rating be over the next 150 rides if I tipped $2-$3, 4.95 or so? I would boost my rating to around 4.85 and spend $300-$450. I'll keep the money. At least on Lyft, when I was driving, the ...
by kjvmartin
Sat Oct 07, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5434

Re: Is the new Chevy Equinox any good?

Lots of hate for Chevrolet here from Bogleheads. The 2018 equinox is redesigned. Its reliability is yet to be determined. GM made many lemons in the last century but IMO the GM quality has greatly improved. Consumer Reports always has had a Japanese bias on automobiles IMO. My son has an equinox bo...
by kjvmartin
Thu Oct 05, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3958

Re: Too much house? (nervous 1st time buyer)

Be fearful when others are greedy. Biggest mistake I have made in my life, financially or otherwise, was worrying about skyrocketing house prices and making the wrong housing decision in the wrong frame of mind. There are no do-overs. I'm biased because I got burned. Look very carefully at the cost ...
by kjvmartin
Thu Oct 05, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5434

Re: Is the new Chevy Equinox any good?

no. its a chevy. My point exactly. If it’s not Toyota or Honda then it’s considered crap here. I own a 2015 Honda CR-V and needed a second, additional car for the family. They have gotten too expensive or I would own 2 CR-Vs. There is nothing I can measure objectively or subjectively that is better...
by kjvmartin
Wed Oct 04, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2011

Re: On the video games path - how to set it up with younger kids

4. Any pitfalls to watch for, anything I should be asking? Thanks! I'm in my 30s and played a lot in my youth. I got the itch to game again earlier this year and picked up a used Xbox One. I was blown away by how much things have changed and can't imagine any parent knowingly letting their kids get...
by kjvmartin
Wed Oct 04, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: First time home buyer - gut check
Replies: 19
Views: 1306

Re: First time home buyer - gut check

All great pieces of information to chew on. Will respond back when off work later tonight. Thanks everyone. I'd do whatever it takes to get that 20% down payment. It's an option for you, some will never afford, but you most certainly can. Better APR, no PMI, and more equity if you need/want to move.
by kjvmartin
Tue Oct 03, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5315

Re: Do you foresee a drop in housing prices in the next 5 years

Not in my lifetime. Here's why. Folks with cash/investors purchased cheap income stream houses by the dozen during the crash. They have made enormous profits collecting rent over the last 10 years. They are greedy. If prices fall, they'll buy the properties. This should keep a pretty solid price flo...
by kjvmartin
Tue Oct 03, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Certified CR-V or RAV-4
Replies: 11
Views: 946

Re: Certified CR-V or RAV-4

We lease a 2015 CR-V and love it, will buy it out. The problem is, they've went and decked out the 2017 model and refuse to discount it. Competitors may look like they cost more, but many have rebates and other incentives. It's very nice. Don't drive the '17 unless with the turbo unless you can affo...
by kjvmartin
Tue Oct 03, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3920

Re: Should I get a New Mac or Macbookpro?

Our Apple products (the whole house is now 100% Apple) are by far the best computer products we have ever used. I keep each MacBook Pro for 3 years, sell outright, and buy a new one. I have found this to be an economical way to keep a "snappy" device with as little outlay as possible. These compute...
by kjvmartin
Sun Oct 01, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3920

Re: Should I get a New Mac or Macbookpro?

Our Apple products (the whole house is now 100% Apple) are by far the best computer products we have ever used. I keep each MacBook Pro for 3 years, sell outright, and buy a new one. I have found this to be an economical way to keep a "snappy" device with as little outlay as possible. These compute...
by kjvmartin
Sun Oct 01, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2630

Re: camping trailer...need to change vehicle?

My experience is that it's best to have more power than necessary when towing, otherwise the driving experience will be unsatisfactory.

If I was towing a trailer, I'd most certainly want a strong V8. Maybe not necessary, but better.
by kjvmartin
Sun Oct 01, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5279

Re: Would you take a pay cut to work from home?

A bird in the hand is worth 2 in the bush.

You might start the new job just in time for them to change telecommuting policies. Sit tight, you don't have a compelling enough reason to move.
by kjvmartin
Sat Sep 30, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

A lot of fudged math in this thread; in particular in favor of the lease. Bottom line is that leasing will, on average, be more expensive over a 10 year period. The difference isn't as large as most BHs would think. Rare instances where there is some perverse incentive (e.g. electric tax credits) l...
by kjvmartin
Sat Sep 30, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

A lot of fudged math in this thread; in particular in favor of the lease. Bottom line is that leasing will, on average, be more expensive over a 10 year period. The difference isn't as large as most BHs would think. Rare instances where there is some perverse incentive (e.g. electric tax credits) l...
by kjvmartin
Thu Sep 28, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

knick17 wrote:
Thu Sep 28, 2017 10:11 pm
the charge for apps that on other OS is free...they are getting a bit out of hand...
I think you're thinking of Microsoft. Apple and Google both have free productivity suites.
by kjvmartin
Thu Sep 28, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: New Federal Employee with Blank Financial Slate
Replies: 7
Views: 670

Re: New Federal Employee with Blank Financial Slate

I think the traditional TSP is better for starting out, especially since it's less take home pay deducted out of your check. Do you have a planned retirement age? Or a mandated one?
by kjvmartin
Thu Sep 28, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

I have no clue what trim the OP is looking at OP here Took delivery today. Went in negotiating again and got it down to $245 for a 15,000 mile lease over 2 years. 30k total. Regarding trim: The car has a panoramic sunroof, 8" touch screen with CarPlay, push button start, unlocks on approach, blind ...
by kjvmartin
Wed Sep 27, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1370

Re: Good camping sleeping pad

Best pad to take camping? an iPad.

Couldn't resist. Seriously though, wouldn't go without one :D
by kjvmartin
Wed Sep 27, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

If you think it’s a good deal, OP, take it. It’s only $6,000 over two years. It won’t break the bank. If you figure you’re better off buying, you’re free to do so in 2019. If it turns out you really did better than buying, you can see if you could hop straight back into a similar lease. I totally a...
by kjvmartin
Wed Sep 27, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

Is $27k the fully negotiated price for the same model with all the favorable discounts and so forth, at least TruCar price or at least below invoice price? Regardless with a lease you are paying for the depreciation during the worst depreciating years. If your math doesn't show this either the leas...
by kjvmartin
Wed Sep 27, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

Leasing is all about convenience. Don't kid yourself that it's cheaper. The first 3 years a car depreciates nearly 50%, then it is much less. 1. No major maintenance 2. Always under warranty 3. Always driving a new car 4. Write off for a business It's also a hassle 1. Dealing with car salesmen ever...
by kjvmartin
Wed Sep 27, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

I would go ahead if the numbers make sense for you. They did for me, so I ended up with a lease. I did forget to mention - this special is very good for me because of a relative's employee discount and an additional rebate for possession of a competitors lease. I literally qualify for everything th...
by kjvmartin
Wed Sep 27, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

I think the monthly payment ends up closer to $350 or so, the deals I see are $199 with $2800 down, that makes the monthly actually $315, and I am sure that is for most stripped down version, add another $50 or so for some actual options and I think your annual cost is more like $4000 -$4200 My num...
by kjvmartin
Wed Sep 27, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Re: Two year lease vs Buy and hold 10 years. A wash?

Keep in mind that leasing companies aren't charities. You are paying them for the depreciation and their profit margin. If you want to lease, go ahead and lease, but it isn't the cheapest way to buy a car. Edited to add: just looked for used ones online and found you a mint 2015 with 20k miles load...
by kjvmartin
Wed Sep 27, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4164

Two year lease vs Buy and hold 10 years. A wash?

Assuming a vehicle is $27,000 OTD... For example a Chevrolet Equinox. (I would not buy one as a long term hold, too many concerns) $250/month sign and drive lease is $3000 per year OTD with included maintenance for the 24 months lease. 12,000 miles per year. That's $3000/year. In 10 years, that's $3...
by kjvmartin
Tue Sep 26, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5434

Re: Is the new Chevy Equinox any good?

I like the specs on the new 2018 Chevy Equinox, as they have redesigned the vehicle and it looks significantly improved. But it's still a Chevy. Normally, I shop only the Asian brands and am skeptical of anything that is built by GM, Ford, or Chrysler. Thought I'd tap into Boglehead wisdom and try ...
by kjvmartin
Tue Sep 26, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Pay With Gasbuddy Card
Replies: 18
Views: 1198

Re: Pay With Gasbuddy Card

Too many better options. Not sure who this works out as a better deal for.
by kjvmartin
Sun Sep 24, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to TSP + Pension - How to adapt AA to changes?
Replies: 24
Views: 2041

Re: Moving to TSP + Pension - How to adapt AA to changes?

You also NEED liability insurance for your job. You mean an umbrella policy? An umbrella policy doesn't cover you for liability from your job. You need to get a separate professional liability policy if your job actions can expose you to liability (for example, you are a manager and could be sued f...
by kjvmartin
Sun Sep 24, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3223

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

So is AWD really need in my situation? Thanks Tom Need? No. I don't think you need AWD based on your locale and life circumstances. How much of this is a money thing? If money is no object to you, get AWD. Otherwise, if it's a blizzard, you don't really need to go anywhere. You're retired. I'm in a...
by kjvmartin
Sun Sep 24, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to TSP + Pension - How to adapt AA to changes?
Replies: 24
Views: 2041

Re: Moving to TSP + Pension - How to adapt AA to changes?

You also NEED liability insurance for your job. You mean an umbrella policy? Also, do I need to use Cobra or something to cover my insurance for the days between job 1 and 2? Like, traveling by car across frozen tundra in January without insurance sounds a bit too risky! I wish I could quit remotel...
by kjvmartin
Sun Sep 24, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2637

Re: Set up a "reverse auction" to get a deal on buying a car

I think people keep getting fixated on this friendship and that is not my intent nor do I think it is important to the discussion at hand of getting the "best" deal. What I think is important is that dealers are more willing to give you a better deal when you are sitting there in person than one of...
by kjvmartin
Sun Sep 24, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4466

Re: IOS 11: Anybody using it yet?

I just noticed that an update to IOS 11 is available for my iPad. I'm a big believer in keeping software up-to-date to make it more bulletproof to intruders. However, there were some unintended consequences last time I willy-nilly applied an OS update from one major version to the next, so I'm a bi...