Search found 1160 matches

by kjvmartin
Tue Jul 17, 2018 5:15 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 74
Views: 7315

Re: Amazon Prime Day 2018

Instant Pot has been something we've been curious about for a while, so that was a good featured deal. Amazon Cloud Camera, marketed as a security device, but looks excellent as a baby monitor. That went on sale for almost 1/2 off. Baby swing at 50% off. Needed one of those, due in September. Compar...
by kjvmartin
Sun Jul 15, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation for New Position
Replies: 25
Views: 2086

Re: Salary Negotiation for New Position

Shift work has some benefits, but for my wife with our kids she really prefers a regular schedule. She took a $6/hour cut, before shift premiums, to get out of the hospital system and work in an office setting. Of course it's a big negative to the household budget, but it's an overall positive to th...
by kjvmartin
Thu Jul 12, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Planning ahead: Best way to buy $1M New Home?
Replies: 10
Views: 1383

Re: Planning ahead: Best way to buy $1M New Home?

mickroark wrote:
Thu Jul 12, 2018 9:26 am
Wait till the next market crash like 2008. Then buy a bank repo. That's what I did, and got a 400,000 house for 120,000. :sharebeer
How long till that happens?
by kjvmartin
Thu Jul 12, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 49
Views: 4999

Re: Costco Membership

I wouldn't relocate anywhere without a Costco nearby.
by kjvmartin
Tue Jul 10, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1448

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by kjvmartin
Mon Jul 09, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 70
Views: 83263

Re: Opticians: is there any difference in quality of Costco glasses?

I tried it but eventually had to demand a return from Costco Optical. I have a very strong prescription. For most of my life since 3rd grade, for whatever reason, my glasses have come from Lenscrafters; and they have not been cheap. Though my parents were lower income, they did not skimp on shoes an...
by kjvmartin
Sat Jul 07, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 3990

Re: Pitfalls of real estate investing

From what I can tell, you either need or need a partner with a real estate license (Broker or Agent). I know some very successful landlords, but during the recession they could essentially bid on foreclosures, HUD, and fixer uppers during the downturn with a laptop. People trying to break into the g...
by kjvmartin
Sat Jul 07, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 3990

Re: Pitfalls of real estate investing

Jack FFR1846 wrote:
Fri Jul 06, 2018 8:06 am
For Detroit housing, research the very real possibility that overnight, your investment house may be broken in to and all copper pipes and copper electrical wiring ripped out.
I have a landlord friend in Detroit who was shot when visiting one of his properties.
by kjvmartin
Tue Jul 03, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1448

Re: iPhone: difference between icloud photo library and icloud backup

Just another way Apple has gotten too complex. It used to "just work" but not anymore. All my wife's contacts are now on my phone and my kids get my texts on their phones. My kids' friends try to facetime my kids and it calls my phone instead. It sounds like you're using the same Apple ID for diffe...
by kjvmartin
Tue Jul 03, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1448

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appea...
by kjvmartin
Mon Jul 02, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4615

Re: Retiring in Michigan (Ann Arbor)

I remembered something about a recent experience in Ann Arbor. I was in a rush and had to relieve myself after a long drive to the hospital. I was in an obvious hurry and asked a doctor where the men's room was. The doctor took offense and lectured me that they do not have a men's room. They have a ...
by kjvmartin
Sun Jul 01, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4615

Re: Retiring in Michigan (Ann Arbor)

Some observations regarding previous posts: Minimal traffic: I guess this may be relative, but the traffic in and around the hospital is quite heavy. Trying to leave town around 3:00-6:00 is a very long line of cars. What normally takes 1/2 hour turns into an hour leaving Ann Arbor during peak times...
by kjvmartin
Thu Jun 28, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Buy used or new Honda Odyssey - specific example
Replies: 24
Views: 1457

Re: Buy used or new Honda Odyssey - specific example

You're making me reconsider the maintenance plan and warranty on a new one.
by kjvmartin
Wed Jun 27, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2032

Re: AOL - update to terms of service

This is why I switched to Apple's iCloud service. They protect privacy.

kjvm
by kjvmartin
Tue Jun 26, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 33
Views: 4047

Re: CD rates--what to do?

I think a CD ladder is the best approach to CDs just about anytime. I also like i-Bonds. The CD ladder is for those needing liquidity at any one point, I think the idea is to invest in such a way that you eventually get to invest into 5 year CDs out of which 1/5th come due in any given year? If you...
by kjvmartin
Tue Jun 26, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6198

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Messy_Orchid_51 wrote:
Tue Jun 26, 2018 10:04 pm
I say Ford F series. Best selling pickup since 1977 and it's no coincidence.
When you combine the Silverado and the Sierra (same truck different badge) they outsell the F-150.

Asid
by kjvmartin
Tue Jun 26, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 33
Views: 4047

Re: CD rates--what to do?

I think a CD ladder is the best approach to CDs just about anytime.

I also like i-Bonds.
by kjvmartin
Sat Jun 23, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 20014

Re: Costco tire - Michelin vs Bridgestone

I had been buying Michelin tires for years when I needed replacements. Costco sold them and they seem have the best reputation. That's usually all I'd need to know to buy something.

Our new vehicle came with Bridgestones and I must admit I can't imagine any better tire to replace them.

kjvm.
by kjvmartin
Thu Jun 21, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 343
Views: 31700

Re: What is/ was your career and would you recommend it now?

Law enforcement.

It requires a lot of adapting, but it's a good, challenging, and very rewarding job. If lots of money is the goal, there are other avenues you should explore.

kjvm
by kjvmartin
Wed Jun 20, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 877

Re: iPad/iOS - feature or bug?

Instead of tapping the link, tap and hold/press to open the menu. Open in new tab or add to reading list. Do that for all links of interest and then go through them at your leisure.
by kjvmartin
Tue Jun 19, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3924

Re: Article on hotel booking sites - no bargains

Worked at a hotel for 3-4 years. Call the hotel. Call back and get a different associate if you're not getting anywhere. Unless it's a big event in town, they have a big incentive to make money on the room rather than let it sit vacant. They probably pay the housekeeper $3.50 per room (at 2 rooms an...
by kjvmartin
Sun Jun 17, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4035

Re: iPad Pro 12.9": Replacement for Laptop?

For your uses an iPad Pro would be very good. I have been using Apple products since 2006 and have extremely happy with all. My wife and I each have a MacBookPro, an ipadPro 10.5 with Apple Pencil, an iPhone 6sPlus, an Apple Watch. We love the compatibility of all these. We also have a Surface Pro ...
by kjvmartin
Sat Jun 16, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4035

Re: iPad Pro 12.9": Replacement for Laptop?

I keep trying to talk myself into an iPad. I've tried out a few, we have two for the kids. It's great for entertaining children, but I vastly prefer a 13" MBP for everything else. I bought and returned a 10.5" Pro. Apple did a great job inventing something everyone seems to want but few really need....
by kjvmartin
Sun Jun 10, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3637

Re: The effect of a difficult last name on employment prospects...

Lee Iococca's last name is four syllables.... but then he got fired too. :wink: Seriously though, I wouldn't discount the possibility. I once knew a man who changed his last name because he thought upper management was discriminating against his polish last name. On the other hand have you consider...
by kjvmartin
Sun Jun 10, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3637

The effect of a difficult last name on employment prospects...

When I got married, some of my family encouraged me to assume my wife's last name instead of her taking mine. I have a four syllable Eastern European last name that isn't pronounced like it's spelled. Even as a young man, my maternal grandfather encouraged me to change my name at my earliest conveni...
by kjvmartin
Sun Jun 03, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13979

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

DC3509 wrote:
Sun Jun 03, 2018 7:35 pm

There is a great need in this country for attorneys doctors to provide pro bono legal medical services, or to work in clinics or other legal medical environments that are devoted to those who can't afford an attorney doctor.
by kjvmartin
Wed May 30, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

Odyssey or Sienna, $30k OTD or less. They need to make an EV version though, could pack a lot of batteries into a minivan chassis. Maybe we’ll have to wait for Tesla for that particular innovation. My living arrangement doesn't support charging - rental with a parking lot. Someday with a private ga...
by kjvmartin
Wed May 30, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

how about a SUV with captains chairs in middle row to allow easy access to third row seats? What's decent in that category? I have three little ones very similar to you. Test drove a Buick Enclave and while I did not buy it it was very nice and I would probably have bought that as a second choice. ...
by kjvmartin
Wed May 30, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

The Diono seats are not great rear facing. They take up a lot of space. Diono sells a foam wedge that adjusts the angle of the seat a bit to buy you an extra inch or two. If they're not great rear facing, can it be made to work for 2/3 of them? Newborns and small toddlers really should be rear faci...
by kjvmartin
Wed May 30, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

how about a SUV with captains chairs in middle row to allow easy access to third row seats? What's decent in that category? Buick Enclave or its GMC/Chevy equivalent. Also, Diono Radian car seats can fit 3 across in most vehicles. +1 on the Diono. You might give them a shot, at least for the older ...
by kjvmartin
Wed May 30, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

Odyssey, Sedona, or Pacifica. In the market for one myself. Doing research. Went and saw the first two. You can buy used, although the Odyssey was redesigned for 2018, so do some research to see which features you want or can live without. If you don't need the top of the line and rear entertainmen...
by kjvmartin
Wed May 30, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

audioaxes wrote:
Wed May 30, 2018 12:56 pm
how about a SUV with captains chairs in middle row to allow easy access to third row seats?
What's decent in that category?
by kjvmartin
Wed May 30, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Fitting three young kids in the car...

We've got a four year old, 16 month old, and one due in September. Our current garage holds a Chevrolet Equinox and Honda CR-V (primary kid hauler). The Honda lease is due back soon. I got a deal on it and (prior to news of baby 3) always planned to exercise the buyout for cash. $16,000+tax for a lo...
by kjvmartin
Mon May 28, 2018 7:49 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2668

Re: MEMORIAL DAY 2018

Thank you for your service.
by kjvmartin
Tue May 22, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 21
Views: 1955

Re: Lease buyout negotiation tips?

It is not a matter of needing a car or not. All lease cars go to auction. Is that a rule or guideline? Coming from the leasing company, it's a good policy, so you can validate your end of lease residual values. By forcing all the returned cars to get a market adjustment, you get real figures instea...
by kjvmartin
Tue May 22, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 46
Views: 2996

Re: Should I buy a new car?

If you're frugal, this goes against your nature and you will regret it within a few months. On a smaller scale, I took some college graduation money and put it down on my dream Mustang GT back in '07. It was a CPO '05 and I was enamored for a while. One of the worst decisions I've made. Insurance is...
by kjvmartin
Tue May 22, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6197

Re: How have you upgraded your wardrobe?

I think the key to dressing as a male professional is fit. That's why advice about particular brands may miss the point. +1 on fit. Changed my life. I'm 6'4 and rather slender at 200lb. My whole life I struggled with XL being too baggy, L being too short. Then, I needed a suit. I walked into Joseph...
by kjvmartin
Sun May 20, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 14360

Re: The Millionaire Next Door and civil servants

Perhaps the "Millionaire Next Door" series continues to be popular because of the allure of the spirit of entrepreneurship. I have always found it very interesting that many of the millionaires Stanley studied believe that there was a definite element of 'being in the right place at the right time'...
by kjvmartin
Mon May 14, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2762

Re: Am I working with the wrong realtor?

A single-family home in the area caught my eye a while back. The MLS portal that my agent (buyer's agent) setup did not show the house. I inquired about it and she said it was "under contract" and "not available". My understanding was that in these situations, the deal is by no means a done-deal an...
by kjvmartin
Mon May 14, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4570

Re: Bed Bugs

I am sorry to tell you that this is serious and expensive to fix. Bed bugs are very costly to eradicate. If can see them, you have a problem. The rates you have been quoted seem reasonable. Our apartment neighbor once took in her homeless son. He brought them from the shelter to her apartment and th...
by kjvmartin
Mon May 14, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5073

Re: College laptop for fall 2018 freshman

Don't pay the Apple premium, the Mac line of computers are aging and for the first time in memory are considerably behind windows computers both in build quality and performance. Do you own a current MacBook Pro? They are exceedingly snappy. I compare mine to my high end gaming laptop, and outside ...
by kjvmartin
Sat May 12, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5526

Re: Advice on building a timeless mens wardrobe?

Polo’s. You can wear them to work, or at a bbq God, no. The collars curl quickly, and the knit clings to every extra ounce. They scream "I shop at Sears, and can't be bothered to find something flattering and snazzy." If OP is on the dating scene, do not slide into the laziness of Polos. IMO, of co...
by kjvmartin
Thu May 10, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1765

Re: Another Vehicle Question

The expedition starts at $54,000 with 4WD. The next trim up is about $64,000.

Maybe look at the entry level Lincoln Navigator at $70,000? Pretty much the same car with a different name tag.
by kjvmartin
Mon May 07, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3651

Re: Which heart rate monitor is the most accurate?

I had some testing on my heart recently. I was wearing an Apple Watch Series 3 and my reading was within 0-2 BPM of the medical equipment at all times.

The doctor said it's very accurate provided you wear it at the appropriate tightness.
by kjvmartin
Sun May 06, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8517

Re: Thinking of getting an Apple Watch

People who can afford the Apple watch find it fun and useful. People who can't find reasons why it is ridiculous. I like mine, 42 mm series 3. I got the cheap version -- this is not heirloom jewelry, the electronics inside will be obsolete in 2 years. I don't use GPS on the watch -- my phone does t...
by kjvmartin
Sat May 05, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 1707

Re: Real estate agents - claim thousands of ready buyers??

We know one family (2 children) bought a small 2 BR side by side (very small) for $375,000. That's crazy, depending on the area. I know there are outliers, but for much of the country that would be unattainable. My wife and I are degreed middle class full timers and would be unable to afford that s...
by kjvmartin
Sat May 05, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 1707

Re: Real estate agents - claim thousands of ready buyers??

2-3 weeks ago we were dealing with 8-10 offers on each house we wanted. They were typically pending and under contract by the close of the 2nd business day on the market. It was still pretty wintery outside. It has become spring/summer. I am seeing more notifications from my Realtor for our desired ...
by kjvmartin
Mon Apr 30, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 7181

Re: How would you handle a request for money from a niece?

Let me tell you a story of two grandparents. My grandma and grandpa - divorced decades ago. Grandma had five kids (many many grandkids later) and worked two jobs. She received a very modest fixed pension and kept working well into her 80s as a resident manager for free housing. As I was working my w...
by kjvmartin
Fri Apr 27, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11479

Re: Amazon to raise Prime membership in US to $119 from $99

Jags4186 wrote:
Fri Apr 27, 2018 6:26 am

I just maneuvered back onto a $39.99/mo internet package so in total we will now pay $49.99/mo for internet, amazon TV, amazon prime music, and Netflix. I have a deal with my mom—I pay for Amazon she pays for Netflix and we share the passwords.
So you're stealing from Amazon and Netflix.
by kjvmartin
Thu Apr 26, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2036

Re: DIY Desktop PC

I apologize if this has been suggested, I didn't read all replies: Graphics cards are very pricy right now. It used to be cheaper/better to build a PC out of parts, but I don't think it's a slam dunk anymore. If you live near a Micro Center, their PowerSpec line is very cost effective and decent/upg...