Search found 749 matches

by kjvmartin
Fri Jun 23, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 27
Views: 2579

Re: Costco vs. Amazon - Thoughts of Prime Members?

There are Costco and Amazon, the companies from which you buy products and services. Then there are Costco and Amazon, the stocks. As I write this my DW is shopping at Costco. I love Costco. We buy our gas there, and I use CostcoTravel to rent cars--I love their site. Then we buy things through Ama...
by kjvmartin
Thu Jun 22, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 27
Views: 2579

Costco vs. Amazon - Thoughts of Prime Members?

I've owned very few individual stocks, but I'm a strong Costco supporter and own a pittance of their stock. It's "fun money" as we might call it. Costco has slipped from $180 to $159 since Amazon purchased Whole Foods. I can't see any correlation between Amazon owning a grocery store and h...
by kjvmartin
Thu Jun 22, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3260

Re: which IPAD?

Y'all, This is a very timely thread for me. Late last week I bought the standard iPad (32GB) for $299 at Best Buy (I got them to match B&H Photo Video's price). I got a great deal, but I'm finding it rather cumbersome compared to my old 16GB iPad Mini 4. I like that I can grip the Mini 4 with o...
by kjvmartin
Wed Jun 21, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3260

Re: which IPAD?

the newest "iPad" non-pro has a much lower quality screen and a lower end processor. If you buy the newest pro, you'll get more years of use out of it (or at least better resale if you get the upgrade itch). Its a 9" screen...240p will look like high definition on it. Dont be fooled ...
by kjvmartin
Wed Jun 21, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 33
Views: 2299

Re: Google Fi? pros/cons? anyone using it?

Anyone using Google Fi? any reviews? pros/cons? https://fi.google.com/signup Thanks. _ Sprint and T-Mobile in my area are top competitors for worst service. I can't imagine a combination of the networks would be great. I tried Sprint when they offered to 1/2 my bill... Every morning, I would get a ...
by kjvmartin
Tue Jun 20, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5270

Re: Co-workers advising to buy house RIGHT NOW

While saving for a house and recovering from an unexpected financial setback, it just so happened that rent went up almost 50% and home prices around 50% at the same time. Thus, I need an even larger downpayment to try and maintain an affordable payment. The even better news is interest rates are go...
by kjvmartin
Mon Jun 19, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 57
Views: 2817

Re: Good camera - new baby coming

We bought a Nikon D3300 and a 35mm prime lens with the idea of "saving money" on professional pictures. It works for the bokeh effect your wife wants. The entire package around Black Friday was $299 for the camera + kit lens and then around $130 for the 35mm fixed lens. This was a refurbis...
by kjvmartin
Sun Jun 18, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 94
Views: 8959

Re: Amazon Buys Whole Foods

If you are into individual stocks, this seems like it could be a good buying opportunity for stocks like Costco and others. This seems to have been over sensationalized by media.

Be fearful when others are greedy, greedy when others are fearful.
by kjvmartin
Sat Jun 17, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 993

Re: Who mixes android and iOS

i would not by a tablet anymore as i see no need. consider the new 2-in-1 chromebooks that have android apps like the samsung chromebook plus or pro or the Asus Flip C302. all >$300-400 but you get a lot of bang for your buck. We have a Chromebook Plus and do like it (overall). There's some caution...
by kjvmartin
Fri Jun 16, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 94
Views: 8959

Re: Amazon Buys Whole Foods

I already go to Costco for many things, Kroger for a few things, Meijer for everything else and am able to buy almost everything organically. Add in some special things at Trader Joes from time to time.... Whole Foods has organic foods, but I can't figure for the life of me why I'd add another store...
by kjvmartin
Thu Jun 15, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Increasing iPad storage capacity
Replies: 14
Views: 1107

Re: Increasing iPad storage capacity

Hi Bogleheads - I've got an iPad Mini 4 (wifi only) that only has 16GB of storage. I heard here on Bogleheads that Best Buy is selling the 128GB version for $299 ($100 off). I tempted to buy one, because I'm bumping up against the limit on my current iPad. But rather than buying a new one, it obvio...
by kjvmartin
Thu Jun 15, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2814

Re: internet cost saving strategy

I live in N.Nj. I have 2 internet providers, Cable (Spectrum) and Fiber (Verizon). We had cable and our promotion expired and it now it costs $75 just for internet. We don't have phone or TV because we simply don't need it. I think thats expensive. What strategy can I use to lower my internet bill?...
by kjvmartin
Wed Jun 14, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 2974

Re: How many tech devices do you have?

I think we scared the OP away..... :twisted: Probably just at Best Buy on a shopping spree :D Apple Store! Not really. Better deals elsewhere on that. One thing I've noticed is that people here are really holding onto old tech. Several people have unusable or very dated iPads and computers. I've ty...
by kjvmartin
Tue Jun 13, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 2974

Re: How many tech devices do you have?

did not read other posts subsequent to yours. "smart tv" should only be counted if you count tv in general as a "smart" device. read about smart tv's, and you find out that they are not very good at keeping up w/ shifts in tech, so I would not count them. that said, you look pre...
by kjvmartin
Tue Jun 13, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: FB Vs. Apple?
Replies: 9
Views: 904

Re: FB Vs. Apple?

Hi, all: I'm new here and I need a little advice. I have enjoyed a good run up in the value in my FB stock these past two years. I don't want all of my eggs in one basket, so I was thinking of dividing my allocation between these two. Apple has a lot of cash, and good prospects for further growth a...
by kjvmartin
Tue Jun 13, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3260

Re: which IPAD?

the newest "iPad" non-pro has a much lower quality screen and a lower end processor. If you buy the newest pro, you'll get more years of use out of it (or at least better resale if you get the upgrade itch). Its a 9" screen...240p will look like high definition on it. Dont be fooled ...
by kjvmartin
Tue Jun 13, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 2974

Re: How many tech devices do you have?

What's your concern that makes you ask the question? I'd think it's only a problem if you are spending money you can't afford, or if you are concerned about e-waste. I'm just wondering how others divide up their technological devices per person. My wife had a flip phone and "brick" PC lap...
by kjvmartin
Tue Jun 13, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3260

Re: which IPAD?

the newest "iPad" non-pro has a much lower quality screen and a lower end processor.

If you buy the newest pro, you'll get more years of use out of it (or at least better resale if you get the upgrade itch).
by kjvmartin
Tue Jun 13, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 2974

How many tech devices do you have?

I'm trying to figure out if I might be a little overboard. I'm not a big traveler or spender in most areas. I'd rather wear the same clothes for years than shell out for new stuff, but I do love technology. I'm not to the point where I'm an early adopter and nothing I have is high end, but I'm wonde...
by kjvmartin
Sun Jun 11, 2017 10:48 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 100
Views: 6880

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

I like Costco stock better than Google stock. They aren't even in all 50 states yet. The several I've visited have full parking lots and long lines inside & out (gas) at various times of the day. They are known for taking care of their employees and generally seem to want to do the right thing i...
by kjvmartin
Wed Jun 07, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2248

Re: Buy car in cash ... or invest / lease

It's an enviable position to be able to pay cash for a car. From a friend in the car business, it's quite rare. Most people finance too much car for their income. It would have to be entirely "safe" (cash) investments for this to make any sense, because you can't know if any riskier invest...
by kjvmartin
Mon Jun 05, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 94
Views: 5604

Re: Pimp my DW's ride.

denovo wrote:If she likes acceleration why isn't a sports car in the running, especially if kids are out the house?


Also has to be good in the snow.

I really like the SRT Jeep Grand Cherokee. It's so impractical, but it's loud & mean looking.
by kjvmartin
Mon Jun 05, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 90
Views: 7654

Re: Worth it to buy expensive clothes?

My boss wheres JC Penny Stafford dress shirts. They fit him well.

They do not fit me. I have to find a shirt with a different fit, so I pay about 2x each shirt. Charles Tyrwhitt, on sale, is excellent.
by kjvmartin
Fri Jun 02, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 2957

Responding to a weird job interview question..

A teenager I know just had a job interview: This question was asked: "The work environment is often vulgar. Is this an issue for you?" This is for a minimum wage job. My mind immediately went back to all of the discriminatory harassment and other politically correct training my employer pu...
by kjvmartin
Thu Jun 01, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7310

Re: What Do You Pay for an Oil Change?

My local Mazda dealer charges me $34.99 out the door. I'm not sure how that breaks down, but that does include a $5 coupon I usually get in the mail every couple months. I change at 5k intervals. Once I was in the neighborhood, so I pulled into a drive-thru Jiffy Lube (Valvoline) shop for an oil cha...
by kjvmartin
Tue May 30, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 19549

Re: Laptop Purchase at Costco?

I would not buy a laptop from Costco because they do not sell Apple laptops. Apple laptops are huge money savers, long term. Upgradability is poor and the software selection is inadequate for current models. The current MacBook Pro has its memory and wi-fi card soldered to the motherboard, and the ...
by kjvmartin
Tue May 30, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 19549

Re: Laptop Purchase at Costco?

Thanks go out to everyone who quickly weighed in with their incisive comments.This information will be very useful in my quest to ultimately replace my Toshiba LT that I think has somehow acquired the Zika virus. Be Well, fmhealth I would not buy a laptop from Costco because they do not sell Apple ...
by kjvmartin
Mon May 29, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Just realized I have been doing wrong my whole life financially.
Replies: 10
Views: 2937

Re: Just realized I have been doing wrong my whole life financially.

If you remember my old posts about school and career issues. Basically, I wanted to go back to school to earn more since almost everyone on this board making six figure salaries. I know jealousy is a thief of joy but I do anyway. So, I had lunch with a friend and at one point we were talking about ...
by kjvmartin
Mon May 29, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2024

Re: High School Graduation Gifts

TRC wrote:My niece is graduating high school and we plan to give her $100. And how lucky are we that we get to host her graduation party at our house because we have a pool?! (sarcasm intended).


Why I'll never own a pool or pickup truck :D
by kjvmartin
Sun May 28, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3879

Re: EE and I Bonds

Here's a Forbes column I did on using EE Bonds to build your own retirement annuity. Laddering $10k for you and $10k for your wife annually would guarantee you a retirement income of $40K per year. https://www.forbes.com/sites/thebogleheadsview/2013/03/01/build-your-own-annuity/#7361aacb7ba3 I had ...
by kjvmartin
Sat May 27, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3879

Re: EE and I Bonds

Could someone clarify, is it possible to buy $10,000 per calendar year of I Bonds AND EE bonds for a total of 20k per year? Also, if we are 20 or so years away from retirement, are EE bonds a wise choice to supplement an early retirement? Thank you! EE bonds would be the last thing I invest in afte...
by kjvmartin
Sat May 27, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Havings twins
Replies: 24
Views: 2322

Re: Havings twins

My wife's maternity leave will be unpaid, and she is planning on taking the full 12 weeks. If your employer has any parental leave, I suggest taking it. If it is fully paid (even for a few weeks), definitely take it. My wife's employer did not have any paid parental leave. However, my employer did ...
by kjvmartin
Sat May 27, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: The joy of Saving!
Replies: 7
Views: 1510

Re: The joy of Saving!

I like squirreling a small amount I won't miss into i-bonds every check... Second emergency/long term savings. Small amounts over time has been the key to saving regularly for me.

kjvm
by kjvmartin
Fri May 26, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Havings twins
Replies: 24
Views: 2322

Re: Havings twins

My wife's maternity leave will be unpaid, and she is planning on taking the full 12 weeks. We both max out our Roth IRAs and she contributes to a 401k. My question is, is taking 3 months off in Roth contributions okay? Including Roth's, we are currently contributing about 23% of our after-tax incom...
by kjvmartin
Mon May 22, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Which Bogleheads Book to Gift?
Replies: 5
Views: 731

Re: Which Bogleheads Book to Gift?

TheJoker wrote:Give them both...........big spender. Then you can borrow them both.

TheJoker


I don't want to "information overload" anyone. I'd rather see if I can pique the interest a bit with 1 book and then add to it.
by kjvmartin
Mon May 22, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 3994

Re: How to Invest Church Money

I am an Elder in our church and have been asked to inquire about investing a portion of the $500,000 we have sitting in a Savings Acct at our local bank. We do not use our savings much, in fact we would like to build on it. I was thinking that we could invest $250,000 and that would leave us 250K f...
by kjvmartin
Mon May 22, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which Bogleheads Book to Gift?
Replies: 5
Views: 731

Re: Which Bogleheads Book to Gift?

Looking for a fathers day gift for my father-in-law. He's 60 and has about 2-5 more working years, give or take. He asked me if I know much about 401k saving and through the conversation I found out he could use some help. He does like to read. Between the two: Would the Bogleheads Guide to Investi...
by kjvmartin
Mon May 22, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Index fund investor donates millions
Replies: 12
Views: 2206

Re: Index fund investor donates millions

An MD who received an inheritance from an MD parent donated millions :D Wonder if he was diversified beyond the S&P or went all in. That's kind of snippy. Whatever happened to "rejoice with those who rejoice" I don't mean it to be snippy, but I think they're over attributing his fortu...
by kjvmartin
Mon May 22, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Which Bogleheads Book to Gift?
Replies: 5
Views: 731

Which Bogleheads Book to Gift?

Looking for a fathers day gift for my father-in-law. He's 60 and has about 2-5 more working years, give or take. He asked me if I know much about 401k saving and through the conversation I found out he could use some help. He does like to read. Between the two: Would the Bogleheads Guide to Investin...
by kjvmartin
Mon May 22, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Index fund investor donates millions
Replies: 12
Views: 2206

Re: Index fund investor donates millions

An MD who received an inheritance from an MD parent donated millions :D

Wonder if he was diversified beyond the S&P or went all in.
by kjvmartin
Fri May 19, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1094

Re: iPhone GPS apps

Apple Maps has come a long way and works well enough for me.

Some things in my city are in the wrong spot if you're on Google Maps. This led me to switch to Apple Maps to get to the right location, and I found out "hey, this is nice!"

Give it a shot if you haven't done so.
by kjvmartin
Fri May 19, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Reasonable Cost / Estate Planning Ideas
Replies: 6
Views: 669

Re: Reasonable Cost / Estate Planning Ideas

If your assets are less than $50,000 and you don't have any life insurance, then it's hard to justify the cost of anything more than the most basic Will. Since you have young children, and your assets are very modest, I'm guessing that you have some life insurance. While people don't think of life ...
by kjvmartin
Thu May 18, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Reasonable Cost / Estate Planning Ideas
Replies: 6
Views: 669

Re: Reasonable Cost / Estate Planning Ideas

Hello - Some advice on a prior thread I posted has lead me to estate planning. I contacted an attorney via a search on my state bar association website. I scheduled a conference call and we held it today. He has years of experience in estate planning. I do not like to waste anyone's valuable time, ...
by kjvmartin
Wed May 17, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Reasonable Cost / Estate Planning Ideas
Replies: 6
Views: 669

Reasonable Cost / Estate Planning Ideas

Hello - Some advice on a prior thread I posted has lead me to estate planning. I contacted an attorney via a search on my state bar association website. I scheduled a conference call and we held it today. He has years of experience in estate planning. I do not like to waste anyone's valuable time, s...
by kjvmartin
Sun May 14, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3623

Re: Switxh from iPhone to Google Fi and Pixel?

The one thing that I do not like and probably cannot tolerate is the unlock button on the rear of the device. I often mount my phone in the car and would find it prohibitively annoying to unlock it that way. Otherwise, the phone has a lot of positive qualities and I would not hesitate to own it. kj...
by kjvmartin
Sun May 14, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3623

Re: Switxh from iPhone to Google Fi and Pixel?

Anyone here have experience with Google Fi and/or the Pixel who would like to weigh on in this idea? FWIW, I've been with Verizon for a long time now though I hold no loyalty. I'm paying about %61 with tax for my 2 GB data plan though I use maybe 20% of that. As an iPhone user since the 4, I've als...
by kjvmartin
Sat May 13, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6689

Re: The recent WannaCry ransomware

It's more complicated for organizations than for individuals. They cannot simply do day one updates in some instances. Servers especially. Supposedly the patch was issued in March of this year so any personal computer running a supported windows version with auto updates on would presumably be prot...
by kjvmartin
Sat May 13, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy a condo (from an investment standpoint)
Replies: 43
Views: 6817

Re: Why would anyone buy a condo (from an investment standpoint)

The price of a typical unit is $300k. Income from alt. investment +$21000 Please tell me this investment that yields 7% a year guaranteed. If we're going to make up fantasy numbers why not an alt investment that generates $50,000 a year? Then buying looks really dumb! Also, rent goes up. Mortgages ...
by kjvmartin
Fri May 12, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5697

Re: Beware Citibank Bonus Promotion

I had a nightmare customer experience with Citi during the Costco Amex migration. I was without a Costco Rewards credit card for almost 3 months. I lost a chunk of money in rewards. I had to pay cash/debit. For weeks I was on hold for no less than an hour several times trying to figure this out. My ...

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