Search found 1250 matches

by kjvmartin
Wed Jun 10, 2015 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 17799

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Do you need that extra money? What would you do with the salary difference?

Mike
by kjvmartin
Tue Jun 09, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Men's dress shirts - Charles Tyrwhitt shirts on sale for $29
Replies: 34
Views: 11133

Re: Charles Tyrwhitt shirts on sale for $29

Any particular selection of fabric really nice? Seem to be about six options of weave/fabric!

Mike
by kjvmartin
Tue Jun 09, 2015 6:40 pm
Forum: Personal Consumer Issues
Topic: Men's dress shirts - Charles Tyrwhitt shirts on sale for $29
Replies: 34
Views: 11133

Re: Charles Tyrwhitt shirts on sale for $29

Interesting and I'm always tempted by a good sale. I've been in the market for some good slim fit white dress shirts to replace my aging Kirkland ones. My local Costco (all 3 of them) stopped carrying slim fit. Those were $17.99 a piece and they're good, thick quality material. How do these hold up?...
by kjvmartin
Sun Jun 07, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Chromebook purchase
Replies: 30
Views: 3833

Re: Chromebook purchase

I certainly dislike that. Goes against the Boglehead in me.

Mike
by kjvmartin
Sun Jun 07, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Chromebook purchase
Replies: 30
Views: 3833

Re: Chromebook purchase

I don't need anything more than a web browser for the majority of my work, so upon reading and watching many, many chromebook reviews, I've settled on this one for only $155: http://amzn.to/1HPCWqv. It's the #1 seller on Amazon of ALL laptop computers and obviously, the price cannot be beat. I'm sh...
by kjvmartin
Sat Jun 06, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: UPDATE BELOW: Should we stay or should we go now?
Replies: 32
Views: 6082

Re: Should we stay or should we go now?

*Commute increases by 30-35 mins (to 35-45mins) each way for both of us. This is an awful lot of your life essentially down the tubes on the road. This also increases your potential risk of auto accident. Less time with family. You're already wealthy. The grass is not greener. Does your wife have a...
by kjvmartin
Sat Jun 06, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: I hate garage sales; do I have company?
Replies: 38
Views: 4234

Re: I hate garage sales; do I have company?

As long as they're not selling anything they borrowed from you last year, you're doing fine ;)

Mike
by kjvmartin
Sat Jun 06, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 13086

Re: Thoughts on Federal Employment

I have never worked for the government, so please correct me if I'm wrong, but from what I've seen, a huge portion of the benefits that come with being a federal employee is contained in the pension. Like most pension plans, this one is based on how many years you work and what your salary is near ...
by kjvmartin
Fri Jun 05, 2015 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 13086

Re: Thoughts on Federal Employment

Unfortunately, the specialized college degree path that was also previously another good avenue to hiring is still "discontinued." That means some have been left with sizeable student loan debts and a drastically reduced chance of being hired compared with the previous system. Then again, there was...
by kjvmartin
Thu Jun 04, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: One million dollar home
Replies: 37
Views: 8312

Re: One million dollar home

My only concern would be the stability of your job(s) and income.

What if one of you loses a job, becomes disabled, or worse? Can you still swing the bigger payment if things go south? Can you adequately insure for life/disability within your new house budget?

Mike
by kjvmartin
Thu Jun 04, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 34557

Re: No-line bifocals from Costco

There's a reason Costco is my one and only individual stock! Everything they do, they seem to do their best to do it very well and at fair prices.

Mike
by kjvmartin
Thu Jun 04, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 10168

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

No one has touched on this, but the Air has a lower resolution screen than the Retina Pro. The difference was so extreme that I absolutely had to have the retina pro. I was initially seeking after an Air. Just my 2 cents!

Mike
by kjvmartin
Wed Jun 03, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quit high paying job to be stay at home parent?
Replies: 44
Views: 6785

Re: Quit high paying job to be stay at home parent?

Hello! Of course you can afford it. You're millionaires.
by kjvmartin
Wed Jun 03, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 13086

Re: Thoughts on Federal Employment

As a state employee, I have lower cost/better benefits than the feds, but each year the gap shrinks due to concessions. I've been trying to move to a federal job. I have many years of experience with numerous standout items on my resume. I've applied everywhere from San Diego to Maine and received a...
by kjvmartin
Mon Jun 01, 2015 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Your opinion on realistic income to live in a $1 million home?
Replies: 144
Views: 38659

Re: Your opinion on realistic income to live in a $1 million home?

It's all relative. I've been in a 900 sq ft apartment for 8 years. Now there are 3 of us here... we consider it enough room. We do want to expand our family, though. My wife and I toured a 2500 sq ft Pulte home that we can't quite afford ($300k). The basement was finished and we were laughing the wh...
by kjvmartin
Sun May 31, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 55
Views: 6239

Re: Need a new all in one printer

HP Envy with instant ink. $4.99 per month gets me up to 100 pages with rollover of excess pages up to 200. They ship ink that is guaranteed to arrive before I run out. If I go over my limit, it's $1.00 for 20 additional pages. I can print on the highest print quality of photos, color, black & white,...
by kjvmartin
Fri May 29, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 5778

Re: Buying iPhone 6 at full retail

Something' else - I can sell my old phone, an iPhone 5s, and put that against what I paid for the iPhone 6. My iPhone 5s has been a life proof case since I got it and is in mint condition so I should be able to get top dollar. If you're not planning to leave Verizon anytime soon, why would you want...
by kjvmartin
Fri May 29, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 2015 or 2016
Replies: 21
Views: 3392

Re: Mazda CX-5 2015 or 2016

I'm on my second wonderful Mazda 6 and have looked at the CX-5 as an alternative to the Ford Escape for my growing family. The best time to buy a new car is in the fall due to new models, but you may be limited to certain trims and colors. Your dilemma just depends on how you're doing in life. Is mo...
by kjvmartin
Fri May 29, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 6021

Re: Found a great LED deal...$2.49 each.

When you say bathroom, are you putting them in the small ceiling fixtures? I am looking someday to move from the incandescent bulbs in the bathroom and closets, but these are units that are closed up and do not have any air flow so there is a lot of heat there. I used 40 watt incandescent to lesson...
by kjvmartin
Thu May 28, 2015 8:26 am
Forum: Investing - Help with Personal Investments
Topic: After you pay off your house...then what?
Replies: 26
Views: 4268

Re: After you pay off your house...then what?

Sure, but this OP may have a lot of equity/risky investments since maxes his IRA and 401k. I think E bonds are the next logical step if you're well off enough to have the mortgage paid, college funded, solid cash flow, and a good retirement nest egg. I would only go heavy in taxable once I contribut...
by kjvmartin
Thu May 28, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: After you pay off your house...then what?
Replies: 26
Views: 4268

Re: After you pay off your house...then what?

100k turns into 200k. You pay 25% in taxes so your down to 175k. Inflation average 2.5% (higher than now but below historical average) and I am pretty much back where I started. For locking my money up for 20 years (the return if you cash in at 10 years is bad) I expect more :) I expect my money to...
by kjvmartin
Thu May 28, 2015 5:09 am
Forum: Personal Consumer Issues
Topic: SSD + HDD good option for upgrading desktop PC?
Replies: 74
Views: 10596

Re: SSD + HDD good option for upgrading desktop PC?

I'm not trying to be funny, but visit an Apple Store and checkout how long it takes a Mac to start up. You might consider switching. They don't decay nearly as much as Windows computers over time. My 2008 iMac I sold not long ago started up very quick and my current 2013 Macbook Pro Retina turns on ...
by kjvmartin
Wed May 27, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: After you pay off your house...then what?
Replies: 26
Views: 4268

Re: After you pay off your house...then what?

I like series E government bonds, if you're not already invested. They double in 20 years. The interest is tax deferred until you redeem and even then it has some special treatment.

You're 41, you'll have double your investment guaranteed at 61, 62, 63 etc.

What do you think about that?

Mike
by kjvmartin
Wed May 27, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 12321

Re: Should I shorten my last name?

When I was a young lad, my maternal grandfather told to ditch my 10 letter polish last name as soon as I hit adulthood. He said in all his years of management, he ignored any job applicants with a difficult last name. He was worried it would hinder me in life. It's a bit of a curse. My bride of 3 ye...
by kjvmartin
Wed May 27, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 6021

Re: Found a great LED deal...$2.49 each.

Bought several of these a week or two ago. Of note, their estimated life is only 10 years (compared to some LEDs that claim 20 years). Still, 10 years is a long time, and I for one am skeptical of the 20 year claims anyway. I will say, however, that these do emit a small humming sound. Not enough t...
by kjvmartin
Tue May 26, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 6021

Re: Found a great LED deal...$2.49 each.

Bought several of these a week or two ago. Of note, their estimated life is only 10 years (compared to some LEDs that claim 20 years). Still, 10 years is a long time, and I for one am skeptical of the 20 year claims anyway. I will say, however, that these do emit a small humming sound. Not enough t...
by kjvmartin
Tue May 26, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 6021

Found a great LED deal...$2.49 each.

[Thread merged into here, see below. --admin LadyGeek] I've been on the fence about changing the remaining 10 fixture CFLs in my residence to LEDs, but happened on an excellent deal at Home Depot. Thought some Boglehead minded people would be interested in this. A few stores in my area are sold out...
by kjvmartin
Mon May 25, 2015 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings and MMA
Replies: 23
Views: 5319

Re: Ally Savings and MMA

I use Ally with no problems. I do keep a few grand in the local credit union savings in case I need an earnest deposit on real estate. Sometimes the 2-3 day wait would be a deal breaker.
by kjvmartin
Sat May 23, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 6848

Re: Not able to max out all the retirement accounts

If you find a calculator, you should see that even a conservative projection based on your savings rates will put you at a very comfortable retirement nest egg.

Mike
by kjvmartin
Sat May 23, 2015 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Where to put extra cash? CD's dont make sense
Replies: 7
Views: 2185

Re: Where to put extra cash? CD's dont make sense

I put a part of my emergency fund in the Target Income Fund 70/30 at Vanguard. It's bound to have some volatility, but I can stomach the risk for part of the fund. The safest part is in my brick and mortar bank, the lion share is at Ally.com, and the risky part is in that fund at VG.

Mike
by kjvmartin
Fri May 22, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Being an Uber driver
Replies: 15
Views: 4932

Re: Being an Uber driver

I signed up for Lyft last summer when they were doing a promo for new drivers. I kept 100% of the money for those months. I reactivated this spring an they are now taking 20% off the top. The income is just too variable in a large metropolitan area. There is no way of knowing if it will be a worthwh...
by kjvmartin
Thu May 21, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Taking out a TSP loan to fund Roth IRA
Replies: 20
Views: 4282

Re: Taking out a TSP loan to fund Roth IRA

Couldn't you just take the hypothetical 401k loan payment and make that toward your Roth IRA every payday? I vote no for 2 reasons: #1. You're taking money that you can't touch without a penalty to add to a retirement fund you can pilfer at will. #2. You can't beat the expense ratios on the TSP. You...
by kjvmartin
Wed May 20, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 4555

Re: Maybe I shouldn't buy a house?

Non7WoodUser wrote:Home prices are way too high. Wait for the market to crash and then the greedy sellers will be desperate.

Doesn't this fall under timing the market? Do Bogleheads hate timing *any* market or just the stock market?

Mike
by kjvmartin
Wed May 20, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 4030

Re: Ways to fund an early retirement?

My opinion is that folks who are going to retire early based on saving and investing will not be able to do so from tax-advantaged plans alone since the contribution limits are so low. Of course, that's just my opinion. I'm planning to retire at 55 or sooner based solely on 401k/457 contributions s...
by kjvmartin
Tue May 19, 2015 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Use Target Date fund to save for future/non-college?
Replies: 2
Views: 400

Re: Use Target Date fund to save for future/non-college?

Sounds like a winner of an idea. Thanks! I have a Roth open at Vanguard but haven't done much with it. I'll definitely look into that.

Mike
by kjvmartin
Tue May 19, 2015 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Use Target Date fund to save for future/non-college?
Replies: 2
Views: 400

Use Target Date fund to save for future/non-college?

I've got a one year old baby. We aren't high income and will likely never maximize our contributions. If we maximized two 401k accounts and two Roth IRAs we'd have $42,000 a year to live on. So, we save 15% toward retirement pre-tax of our 90-100k gross combined income. I want to save for my daughte...
by kjvmartin
Tue May 19, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 4555

Re: Maybe I shouldn't buy a house?

If I were you (meaning no wife/kids I assume) I would just keep saving, saving, saving.

One day if you ever need new living arrangements you might even pay cash for it.
by kjvmartin
Sat May 16, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 4555

Re: Should I Buy a House?

Talked to a a few realtors and they said I could expect about 3-5% appreciation here. Remember, the Realtor's goal is to make a commission. Nothing wrong with that, but I would not buy based on this reasoning. Will you have time to play the drums when you're mowing the lawn, trimming the hedges, fi...
by kjvmartin
Sat May 16, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 4555

Re: Should I Buy a House?

Talked to a a few realtors and they said I could expect about 3-5% appreciation here. Remember, the Realtor's goal is to make a commission. Nothing wrong with that, but I would not buy based on this reasoning. Will you have time to play the drums when you're mowing the lawn, trimming the hedges, fi...
by kjvmartin
Sat May 16, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 4555

Re: Should I Buy a House?

Talked to a a few realtors and they said I could expect about 3-5% appreciation here. Remember, the Realtor's goal is to make a commission. Nothing wrong with that, but I would not buy based on this reasoning. Will you have time to play the drums when you're mowing the lawn, trimming the hedges, fi...
by kjvmartin
Sat May 16, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 4555

Re: Should I Buy a House?

Talked to a a few realtors and they said I could expect about 3-5% appreciation here. Remember, the Realtor's goal is to make a commission. Nothing wrong with that, but I would not buy based on this reasoning. Will you have time to play the drums when you're mowing the lawn, trimming the hedges, fi...
by kjvmartin
Fri May 15, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 5075

Re: Home Prices Are Way Too High

Hi again! I had a recent big thread about too much house. In the Metro Detroit area - We were considering a $234,000 house and a $164,900 house on 100k income. It really didn't matter which one we chose, as they both went for over asking price, highest and best multiple offers. So then we decided to...
by kjvmartin
Tue May 12, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Paying or Not Paying Extra for Amazon Delivery
Replies: 19
Views: 2979

Re: Paying or Not Paying Extra for Amazon Delivery

Excellent experience with Prime, though I've only used the overnight shipping option once or twice in 5 years. If a Prime package is one day late, call up customer service. This happened to me once and they gave me a $5 credit + free month of Prime. I keep hoping something will be 1 day late again! ...
by kjvmartin
Mon May 11, 2015 10:22 pm
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 8579

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

There's more than a few guys I work with that opt into the Voya "advisor service" through the 401k/457. We were bombarded with e-mails, letters, free lunches on site... all to get people to sign up for this. They charge an additional yearly fee to essentially recreate the available Target fund. The ...
by kjvmartin
Mon May 11, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 2623

Re: New car, lease or buy?

She doesn't know, the thing I didn't know was that you could purchase car after lease is over. They will give you buyout price before you commit to lease and if price is decent why not lease? The only thing I thought might be negative was paying taxes. But it sounds like people lease for the 3 year...
by kjvmartin
Sun May 10, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 51
Views: 11296

Re: Lecture me about "too much house"

Wife is deferring to me on this. Hint You wife is not "deferring" to you unless in writing she says "I will be totally happy with whatever you decide" . I am married 39 years. I adore my lovely brilliant talented lady. But unless you get "sign off" she is acquiescing not deferring. She's a brillian...
by kjvmartin
Sun May 10, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 51
Views: 11296

Re: Lecture me about "too much house"

Thanks again for all of the responses. We've read through each of them. One thing that I didn't mention is the appreciation this area has seen. The nicer subdivision has several listings sold in the 170s-180s just 6-12 months ago. Now they start at 225k. This is going on in the other neighborhood to...