Search found 1142 matches

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: 93
Views: 5109

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: 797

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: 37
Views: 3452

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: 43
Views: 3194

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: 43
Views: 3194

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: 3508

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: 3508

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: 273
Views: 12452

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: 4940

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: 4940

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: 4940

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: 4940

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: 4940

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: 4940

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: 4940

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: 2510

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: 1915

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: 2929

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: 6031

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: 14107

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: 2731

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: 4499

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: 4939

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: 5372

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: 1716

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: 3554

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: 8389

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: 1677

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: 1677

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: 7015

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: 11102

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: 1947

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...
by kjvmartin
Thu Apr 26, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2875

Re: Ikea Quality

If you move periodically, and you want to take the IKEA furniture with you (like in a moving van), you need to disassemble it and reassemble it. It generally will not survive a move. Twice, I have had to rebuild IKEA products as they were falling apart. We have moved our 2 Hemnes bedroom sets 3 or ...
by kjvmartin
Thu Apr 26, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6189

Re: Who benefits from "best and final offer" on condo?

Our local market midwest market is popping right now. Small ranch, middle class suburb in the midwest was listed for $234,900. It was not going to appraise for more than $210,000. The day after listing, the sellers requested highest and best by 8:00p.m and there were limited time slots remaining to...
by kjvmartin
Wed Apr 25, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6189

Re: Who benefits from "best and final offer" on condo?

Our local market midwest market is popping right now. Small ranch, middle class suburb in the midwest was listed for $234,900. It was not going to appraise for more than $210,000. The day after listing, the sellers requested highest and best by 8:00p.m and there were limited time slots remaining to ...
by kjvmartin
Sun Apr 22, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Remedy for Post-Purchase Problem (House)
Replies: 10
Views: 1219

Re: Remedy for Post-Purchase Problem (House)

I had a similar situation regarding roof, water, mold attics, and ensuing legal issues. Here are my questions/thoughts: #1. Did the previous owner pull permits for the roof and have the roof inspected by the local inspector? Was it found up to code? You can probably access these records at city hall...
by kjvmartin
Fri Apr 20, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 5939

Re: Anyone invest in I Bonds and why?

I like them as an emergency fund.
by kjvmartin
Fri Apr 20, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1450

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

BTW you've mentioned many times in this thread what these homes used to sell for. It does not matter - assuming it's not a significant bubble, and at $200k prices the bubble isn't that big if there is one. All that matters is what is the market rate and are you willing to buy at that rate. I see yo...
by kjvmartin
Fri Apr 20, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1450

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

I had the "guarantee x amount if appraised lower than offer" on a contract when I sold my house couple of years ago - another hot housing market - it did appraise at offered price. Sounds like your realtor is giving you some good guidance on how to approach the market. But if the realtor is telling...
by kjvmartin
Fri Apr 20, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1450

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

To me, if the bank doesn't think the house is worth what we're offering on it, why would we buy it? Is it a "good idea" to guarantee appraisals? Also: This seems an awful lot like a bubble and has me worried. I am also be worried to wait and watch interest rates climb. :oops: Realtor calls it the s...
by kjvmartin
Fri Apr 20, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1450

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

I'm not familiar with the term "Guaranty the appraisal." Does this mean that you are waiving the appraisal contingency in your offer? (The appraisal contingency is one of 3 standard contingencies in real estate offer contracts I've seen, the other 2 being loan approval and inspection.) No, we are a...
by kjvmartin
Fri Apr 20, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1450

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

+1 on very few houses for sale vs demand. Neighbor was FSBO with a sign out for 3 hours and the house sold at full list. Neighbor across the street actually got cold solicited by a buyer, guy wasn't selling the house but I guess the offered price was enough that he moved 3 weeks later. Yes, it's ev...
by kjvmartin
Fri Apr 20, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1450

Guaranty appraisal on real estate. Good idea? This must be a bubble?

My wife and I have been active in the market for a house. Our range/budget has been discussed in another discussion, but we discovered a new to us tactic that our realtor is encouraging. We're putting anywhere from 10-20% down on depending on what size/neighborhood we find, but we're consistently ou...
by kjvmartin
Wed Apr 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5046

Re: PC laptops

I replace my MacBook Pro every 3 years by selling it outright and buying a new one. The total cost of having the latest every three years is about $400. In my mind, Apple is the most cost effective brand if you time your upgrades correctly. I tried to exit the Apple ecosystem as well, but PC laptops...
by kjvmartin
Sat Apr 14, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6286

Re: Could you support family on 1 income?

unclescrooge wrote:
Thu Apr 12, 2018 11:47 am

On the other hand, why would you want one spouse to stay at home? I assume both of you went to college, and should be contributing members of society.
Are you implying that full time parenting does not contribute to society? :oops:
by kjvmartin
Tue Apr 10, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38873

Re: Name something you bought that wasn't cheap and glad you did

Apple AirPods. Use them so much. Wireless, effortless, magical.
by kjvmartin
Mon Apr 09, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Hold or sell rental property? Better for taxes to sell during retirement?
Replies: 10
Views: 848

Re: Hold or sell rental property? Better for taxes to sell during retirement?

A few things to consider: 1: Taxes on a rental sale are almost always lower if sold during retirement. This is because the taxes from the sale of a rental property (both deferred income and cap gains) depend on other sources of income (e.g. W2 income). 2: However, she's in a low tax bracket this ye...
by kjvmartin
Sun Apr 08, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation w/ Special Needs Child
Replies: 16
Views: 926

Re: Asset Allocation w/ Special Needs Child

We've got one on the spectrum about to turn 4. It's been a learning experience and I think she's on the higher end. Socially she scores all 0s on the ABA measurements but she is verbal and may be brilliant in other areas. Here's what happened to us: 1. Pediatrician referred to pediatric neurologist....
by kjvmartin
Sun Apr 08, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Hold or sell rental property? Better for taxes to sell during retirement?
Replies: 10
Views: 848

Re: Hold or sell rental property? Better for taxes to sell during retirement?

riverguy wrote:
Sun Apr 08, 2018 9:34 pm
How long has she owned it? Depreciation recapture should be factored in.
What does this mean? She's owned it at least.. 35 or 40 years. She used to pay an accountant hundreds a year to do taxes. I have used TurboTax for the last 4 years.
by kjvmartin
Sun Apr 08, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Hold or sell rental property? Better for taxes to sell during retirement?
Replies: 10
Views: 848

Re: Hold or sell rental property? Better for taxes to sell on retirement income?

How many years of profit would she lose for one major repair like roof replacement? Sell. Right. She just re-did the kitchen. It's about an 8x13 room which also houses the washer/dryer. The cabinets, a plumber, and an electrician and I think she's pretty much sunk for the year. She gets most stuff ...