Search found 810 matches

by kjvmartin
Fri Aug 18, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 27
Views: 2862

Re: Recommended Acoustic Guitars Under $1,000

For the average guitarist (you know, like Paul McCartney) There's CF Martin and then there's everything else... Look for something new in the performing artist or 16 series or a used D-18 and you can get a lifelong companion guitar. The import brands - Blueridge, Eastman, and the like some have soli...
by kjvmartin
Fri Aug 18, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 744

Re: which 27 inch imac to purchase?

Thanks for the recommendation and the sites adorama and b and h photo. Chatted online and bought the Apple iMac 27 inch model'. MK462LL/A late 2015 model for $1399 with a$400 discount. Only 8 GB so will see if I need more at a later date. I pretty much use the computer for internet and movies. 3.2 ...
by kjvmartin
Thu Aug 17, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Tesla factory tours
Replies: 4
Views: 519

Re: Tesla factory tours

Or the Ford F-150 plant tour in Dearborn, MI. No Ford ownership requirement, but they do scowl at you for driving imports in that area :)
by kjvmartin
Thu Aug 17, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4007

Re: Anyone have a personal chef?

My spouse wants to eat very healthy but also has a limited diet. After taking the time to go to the grocery store today, prep the meal, cook it, do the dishes, it was over 2 hours. It got me thinking about a personal chef. Anyone have one, what were the costs and were you satisfied? Almost every fa...
by kjvmartin
Thu Aug 17, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 134
Views: 5612

Re: Is it worth it?

"When you coming home dad I don't know when.... but we'll get together then, you know we'll have a good time then." Some parents have to both work out of necessity. If it were avoidable at all... IMHO no one you'd hire is going to love and care for your child as much as you are able to. Time spent o...
by kjvmartin
Tue Aug 15, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2651

Re: PSA - Mute button for Gas Station TV!

fundseeker wrote:
Sun Aug 13, 2017 8:35 pm
If you don't want to listen to those annoying ads while pumping gas, you can mute the ads by pressing the second black square button down on the right side. Just thought I'd share that in case you find it annoying and distracting.
Costco gas is cheaper and there are no TVs!
by kjvmartin
Mon Aug 14, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 41
Views: 2712

Re: Your Movie Collection?

We have a pretty good DVD collection and then BluRay comes out. Now there's 4K BluRay. There's also Amazon, Apple, Google, Netflix, Cable, etc. So many choices. Not sure of the legality, but many people rip their movies and store them all conveniently on their computer (hopefully that they have rec...
by kjvmartin
Mon Aug 14, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 50
Views: 6189

Re: ObamaCare 2018

rkhusky wrote:
Fri Aug 11, 2017 12:40 pm
Hayden wrote: I am early retired and health insurance is a factor in where I move for retirement. From this article, Seattle looks attractive.
Detroit looks good too. And you can get a really cheap house there.
There's a reason... well several reasons for that!
by kjvmartin
Sat Aug 12, 2017 12:10 am
Forum: Personal Finance (Not Investing)
Topic: $50k loan from 401k for house
Replies: 21
Views: 1457

Re: $50k loan from 401k for house

I have $200k in my 401k and we are in the process of closing a 424k house with 340k mortgage. We don't need the money to pay for the down payment. The crazy thought we have is should we each take 50k from our 401ks and knock that mortgage by and then pay that interest ourselves? Is 50k limit per ho...
by kjvmartin
Fri Aug 11, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: "Why do you want to come here?" Hiring Manager Question
Replies: 10
Views: 1432

"Why do you want to come here?" Hiring Manager Question

I've got a final round dream job interview soon. It's a federal position, part of the federal law enforcement retirement system, and would give me a 30%+ pay increase over the next several years. If offered, I will gladly accept. The position is going to entail my family of 4 relocating from a major...
by kjvmartin
Wed Aug 09, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4113

Re: Deja Vu.. are there too many houses for sale?

Trying to buy a house is like a full time job around here... Last one I looked at, we scheduled a showing. The seller cancelled all showings due to overwhelming demand in favor of an open house for 2 hours the coming Saturday. So, off we went. We parked a few blocks away. The house, on a normal resi...
by kjvmartin
Tue Aug 08, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3042

Re: Obtaining Bachelors in Accounting @ 30

workingovertime wrote: I've worked as an intern for the U.S. Pretrial Services for a few months...I hated the first 2 jobs and couldn't stand it no matter the salary.
What did you hate about US Pretrial?
by kjvmartin
Thu Aug 03, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 6394

Re: The Rise From 7,000 to 22,000

A colleague and friend of mine got out of the market during the last crash...when the topic of the market came up in conversation about retirement, he looked at me with incredulity when I said I was heavily invested. He said they took a nasty beating and that he wasn't going to risk it again...he d...
by kjvmartin
Wed Aug 02, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 2273

Re: belts for dress pants

Costco sells a Kirkland signature dress belt made with Italian leather. I have had 1 brown and 1 black for around 5 years, holding up well.
by kjvmartin
Wed Aug 02, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Amazon, eBay, Costco, vs. Walmart?
Replies: 17
Views: 1586

Re: Amazon, eBay, Costco, vs. Walmart?

Alexa9 wrote:Walmart: good prices, easy to return vs. Amazon/eBay


Walmart has just about the longest & most agonizing return line of any retailer. It's much easier for me to reseal the box and give it to the UPS/postman for an Amazon return. I do not buy on eBay anything I would expect to return.
by kjvmartin
Sat Jul 29, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 17
Views: 1784

Re: Anyone invest in I Bonds and why?

I use them as long term savings. I like that it "locks up" the cash for a year. CDs are too easily broken.

kjvm
by kjvmartin
Fri Jul 28, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: Treasury ends myRA program
Replies: 31
Views: 3218

Re: MyRA bites the dust

And any of us lucky enough to be able to save money have better options like a normal Roth. It isn't luck, thank you, it is planning, preparation, and perseverance. I'm sure glad I planned to be born in the USA. I'm sure Warren Buffet's kids are all glad they planned to have him as their father. Ha...
by kjvmartin
Wed Jul 26, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Chrome vs. Safari
Replies: 5
Views: 554

Re: Chrome vs. Safari

Chrome collects your data and browsing information for Google's purposes.

I have always used Safari on all of my devices. If there's an odd compatibility issue, I'll load that particular site on Firefox.
by kjvmartin
Sat Jul 22, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8834

Re: Is Amazon Prime worth it?

It doesn't take a lot of time... Family needs widget. Dad checks Amazon.com, Target.com, Jet.com, Google Express, or whatever applicable site. Sometimes Amazon is the winner or only option. Amazon cannot be beat for most diapers. A lot of random kid/baby/nursery/maternity items are often priced best...
by kjvmartin
Thu Jul 20, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5653

Re: Would you let your teenager spend all his savings on a gaming computer?

I'm going to go out on a limb and tell my story of "wanting a gaming a computer in high school" I was once interviewed on NPRs "The Story" as a "survivor" of this ordeal... I got my gaming computer in high school and started playing EverQuest in 10th grade. It took a ye...
by kjvmartin
Thu Jul 20, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5653

Re: Would you let your teenager spend all his savings on a gaming computer?

Video games can have a bad stigma. Let's pretend he's a huge audiophile and see if the answers are the same. If your son saved $1,500 for over a year to get his dream sound system would you: 1. Let him spend all the money he saved on his dream sound system? 2. Let him set up the system in his room?...
by kjvmartin
Thu Jul 20, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5653

Re: Would you let your teenager spend all his savings on a gaming computer?

Would you rather your 16 year old is at home playing Overwatch, or out drinking and smoking weed like most other kids his age are doing? And before anyone tells me that isn't what high schoolers are doing these days, I'm 23. I've been there. I've got younger siblings. I have played Overwatch and ot...
by kjvmartin
Thu Jul 20, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5653

Re: Would you let your teenager spend all his savings on a gaming computer?

Is your computer upgradable? As in, you dont need to spend so much building a new one, just add a new graphics card to allow for gaming? Also, as an aside, I tried to get back into some light gaming recently. There are few if any wholesome/family friendly games. It became an issue of having to keep...
by kjvmartin
Thu Jul 20, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5653

Re: Would you let your teenager spend all his savings on a gaming computer?

Is your computer upgradable? As in, you dont need to spend so much building a new one, just add a new graphics card to allow for gaming? Very few similarities between a non gaming budget PC and a $1500 gaming PC. A video card upgrade will likely require a power supply upgrade. Even if that gets don...
by kjvmartin
Wed Jul 19, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 53
Views: 4478

Re: Physician Compensation and Subspecialties

NYGiants235 wrote: the more work, the more I feel like it's just a job and I am being under-compensated


"Oh, you hate your job? Why didn't you say so? There's a support group for that. It's called everybody, and they meet at the bar." Drew Carey

Beware that the grass may not be greener.
by kjvmartin
Mon Jul 17, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

Reality is I can either continue to endure raising rents while essentially treading water, or I can move to a more urban apartment and save some money, buy a house in that urban area, or drain my 401k to buy a decent house in a comfortable area. You're in a really tough spot. What about taking on a...
by kjvmartin
Mon Jul 17, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

Hold out for a steal of a buy in the better safer more expensive neighborhood. I am sure they still get their fair share of short sales, foreclosures and people that simply want to sell to the first bidder. The market is insane. Nothing stays on the market a day without multiple offers. Historic lo...
by kjvmartin
Mon Jul 17, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

OP HERE: Many great replies and I'm appreciative. Some have been a good reality check. I have been torn between the "old folks" living in the "old neighborhood" who say "no way" and the others who say it'd be snooty to buy a house for $250,000 when you can live much ch...
by kjvmartin
Mon Jul 17, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 2660

Re: Humid basement

I'm another who just runs a dehumidifier. However, if you plug the paragraph you quoted into Google (I didn't put quotes so I got articles that are okay with humidifiers but consider them a bandaid solution, too), you'll find a lot of different articles about reducing moisture entry into the house ...
by kjvmartin
Mon Jul 17, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2504

Re: How Much Would You Spend on a Blender?

Bought and returned a Vitamix. It's very good at doing exactly what they demonstrate at Costco, but it's not super great at much else.

Have a Ninja now. Works just as good but cost me about $50 (also at Costco)
by kjvmartin
Sun Jul 16, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

OP HERE: Many great replies and I'm appreciative. Some have been a good reality check. I have been torn between the "old folks" living in the "old neighborhood" who say "no way" and the others who say it'd be snooty to buy a house for $250,000 when you can live much ch...
by kjvmartin
Sat Jul 15, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

You have had a lot of good replies, and sorry but you have to get rid of the "whining" factor in your thinking. Life and neighborhoods and prices are what they are. There is not a housing bubble. 2.5x income is no longer realistic in some areas. Yes, if you can get that $250 k house in yo...
by kjvmartin
Sat Jul 15, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

Our current neighborhood has houses starting around $250,000, but they are rare .... But they exist. If you have all your loan pre-approvals in order then when one comes on the market you can jump on it. One problem with a house in the high crime neighborhood is that they may be selling well now wh...
by kjvmartin
Sat Jul 15, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Re: Rent in safer neighborhood or buy in less safe one?

There is so much more to a neighborhood and house than statistics. Have you and your spouse visited the neighborhood at all different times/days of the week? Do you know others who live there, or any local police officers who can give you some on-the-ground data? I think this is a question that sta...
by kjvmartin
Sat Jul 15, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4629

Rent in safer neighborhood or buy in less safe one?

We are a family of four with 2 kids a couple years away from school. We'll be using either private or home schooling, so school district is not a concern when considering where to live. We are in the 15% tax bracket and deciding whether we'll continue to rent for the foreseeable future in a nice sub...
by kjvmartin
Sat Jul 15, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3181

Re: Apple iMac problem?

You did state that you were considering a new machine?? You are essentially using a browser and email?? Buy a Chromebook, they just work! +1 (kind of) I'm a big fan of what Apple does, but if I were starting over from scratch I'd strongly consider a Chromebook. What they lack, so far, is the same q...
by kjvmartin
Fri Jul 14, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3181

Re: Apple iMac problem?

Turn off Time Machine. It gets extremely burdensome on older iMacs with non-SSD storage. Backup manually every-so-often overnight. Do not use the automatic backup feature. I had a similar issue and this solved it. I have a Western Digital external hard drive as a backup, is that what you mean? It w...
by kjvmartin
Thu Jul 13, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 33
Views: 2107

Re: Is new car replacement insurance worth it?

My fiance was recently given, as a wedding present, a new SUV (approximately $45,000). We are evaluating car insurance plans, and I am seeking advice regarding the option to purchase new car replacement insurance. The option will cost us an additional $125/year. If our car is totaled within five ye...
by kjvmartin
Thu Jul 13, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5036

Re: Cutting the Cord: Who's Best?

All of the shows we watch are on NBC, ABC, CW, or CBS. These shows are all available for free on their respective websites within 24 hours of airing. Either Airplay or Chrome-cast it from your tablet or computer to your television and you have free HDTV. If there is a show we can't watch that way, w...
by kjvmartin
Thu Jul 13, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3181

Re: Apple iMac problem?

Turn off Time Machine. It gets extremely burdensome on older iMacs with non-SSD storage. Backup manually every-so-often overnight. Do not use the automatic backup feature. I had a similar issue and this solved it.
by kjvmartin
Thu Jul 13, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1515

Re: Best way to buy a iPAD

Add an iPad deal alert on a site like Slick Deals. There are regular deals and specials to be had. The iPad mini 4 sells for $399 most of the time, but with various sales and rewards/rebates we own two at a gross cost of $500. They were from Best Buy.
by kjvmartin
Wed Jul 12, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5441

Re: Thoughts on individual dividend investing?

the only person I know who got rich off of dividend stock picks is Dividend Mantra who sold his website. My grandfather made a small fortune off dividend stocks starting around 1970 with DRIPs mostly in utilities. He was a WW2 vet, then a fireman, had a pension, and lived well below his means. I'm ...
by kjvmartin
Wed Jul 12, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Ford discount for shareholders
Replies: 6
Views: 2051

Re: Ford discount for shareholders

They are very happy to sell you a vehicle at X Plan pricing. It's not a great deal.
by kjvmartin
Tue Jul 11, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9497

Re: [Amazon Prime Day]

There was precisely one thing that kinda interested me this year, the Uber gift card. It went live at 10:30 EST this morning. I refreshed at 10:30 to see the price (well, multiple times starting at 10:29) and about 1 second after it showed $79 for the $100 gift card I went to buy it and was able to...
by kjvmartin
Tue Jul 11, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9497

Re: [Amazon Prime Day]

There was precisely one thing that kinda interested me this year, the Uber gift card. It went live at 10:30 EST this morning. I refreshed at 10:30 to see the price (well, multiple times starting at 10:29) and about 1 second after it showed $79 for the $100 gift card I went to buy it and was able to...
by kjvmartin
Tue Jul 11, 2017 12:24 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9497

Re: [Amazon Prime Day]

This is better than prior years. Have been some real price cuts on certain items I've been watching. I'm not sure if they were announced first or not.

Also, wife has an alarm set for a very early hour to pickup a few things going on sale overnight.
by kjvmartin
Sun Jul 09, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7556

Re: Switch to federal job?

Try Immigration or Border Patrol, they are hiring thousands of agents to round up illegals, At last resort get your foot in the door at Bureau of Prisons If your lazy, uneducated, and want to make good money BOP is the place to be lol - I am not sure if you meant to offend, but I am none of those t...
by kjvmartin
Sat Jul 08, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7556

Re: Switch to federal job?

Anecdotally, every federal worker I know personally works fewer hours for similar pay but better benefits than their private sector counterparts once they have been in the job for awhile. Will not always be true, but at least is the case in my line of work. (GS-12/13/14 jobs). The job I do in non-f...
by kjvmartin
Sat Jul 08, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 4111

Re: What to wear for job interview - skip the tie?

Grandpa's words of wisdom: Always dress for the job interview two levels higher than the one you're applying for. A friend in high school took this advice and went to a big box hardware store for a seasonal interview. He was literally pulled out of a line, given an interview, hired on the spot, and ...
by kjvmartin
Thu Jul 06, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for Children
Replies: 2
Views: 386

Re: Investments for Children

Hello everyone. My wife and I are requiring that our children put 1/2 of all of the money they receive in long-term savings. This will include gift money and money they receive when they begin working. Their ages are 11, 6, and 4. I know that they can open Roths when they begin working. My question...