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by steadyeddy
Mon May 25, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 43
Views: 5161

Re: Question about Citi Double Cash Card

The Double Cash card allowed me to retire the Fido Amex and CapOne Quicksilver. +1 I was happy to simplify from two cards to one, but was approved for only about a $6k credit limit that could not be raised online and could only be raised to $7,200 over the phone without a hard pull. I've never in m...
by steadyeddy
Thu May 21, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 11017

Re: How much does social security factor into your retirement income?

I'm 28, so any assumption about SS is just a big, hairy, audacious guess. The same goes for speculation about market returns, career progression, and whether I'll wake up tomorrow. I save 20% of gross, enjoy life, and cross my fingers. I'll let you know how it goes.
:sharebeer
by steadyeddy
Tue May 12, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Paying or Not Paying Extra for Amazon Delivery
Replies: 19
Views: 2011

Re: Paying or Not Paying Extra for Amazon Delivery

About the time prime came into existence, regular shipping started taking an eternity. Three weeks is not unusual from order to arrival. My belief is they slowed it down on purpose to drive people to pay for prime. My solution is to shop elsewhere when feasible. +1 I used to receive shipments from ...
by steadyeddy
Tue May 12, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4628

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

I pay 7 basis points for a Vanguard TDF as my sole holding in my 401k. My desire to tweak the TDF AA a little here and a little there is exactly why I chose to cut myself out of the decision making process. The cost is low and the behavioral barrier to tinkering is worth something me.
by steadyeddy
Fri May 08, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Shared Fence Issue with (Commercial) Neighbor
Replies: 10
Views: 1264

Re: Shared Fence Issue with (Commercial) Neighbor

Thats funny, because the fence you're building will leave the property owner just as liable to the car crash damage scenario they described to you.
by steadyeddy
Wed May 06, 2015 8:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5373

Re: Vanguard Personal Advisor Sevices now live

It will be easy to lose faith in the church of Vanguard if you hold them to an impossible standard. As long as they don’t change the ownership/operating model that benefits me as a fund owner, they can do pretty much anything else they want. I don’t criticize my grocery story for heavily advertising...
by steadyeddy
Tue May 05, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: Used vehicle purchase disaster
Replies: 37
Views: 3792

Re: Used vehicle purchase disaster

I'm extremely confused by those stating that he should be happy with a half price transmission. He purchased the vehicle with a warranty provided by the dealer. Apparently, the dealership screwed something up, and the warranty wasn't valid. Not his fault. Something broke that should be covered by t...
by steadyeddy
Mon May 04, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Used vehicle purchase disaster
Replies: 37
Views: 3792

Re: Used vehicle purchase disaster

I'm extremely confused by those stating that he should be happy with a half price transmission. He purchased the vehicle with a warranty provided by the dealer. Apparently, the dealership screwed something up, and the warranty wasn't valid. Not his fault. Something broke that should be covered by t...
by steadyeddy
Mon May 04, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Used vehicle purchase disaster
Replies: 37
Views: 3792

Re: Used vehicle purchase disaster

That is unlucky, but a half-price transmission fix actually sounds like a very equitable offer to me. I wouldn't personally pursue legal action over such a small amount when the dealer has already shown they're trying to do the right thing.
by steadyeddy
Mon May 04, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9304

Re: Will you buy self-driving car?

They all come safely to a halt, possibly spilling the passengers coffee, and wait patiently for the first car to get it's bearings / reboot / be towed. Unlike most drivers the cars will know what their safe following distance is and operate accordingly. But then, how will they account for variable ...
by steadyeddy
Mon May 04, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9304

Re: Will you buy self-driving car?

I doubt they would even ban manually driven cars--or at least not for a very long time. Just let them decline naturally like manual transmissions. Maybe every so often after a tragedy legislators will debate "car control" laws and the National Driver Association (NDA) will lobby against it...
by steadyeddy
Mon May 04, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9304

Re: Will you buy self-driving car?

It's all speculation. Loser buys the winner a prune juice before we croak.
by steadyeddy
Mon May 04, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9304

Re: Will you buy self-driving car?

There may be increased car usage, but not necessarily an increase in the total number of cars on the road. Especially if a surge pricing model is used during peak commuting times to regulate supply and demand. Perhaps route-efficient Supershuttle-type services evolve to lower the cost for those on a...
by steadyeddy
Mon May 04, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9304

Re: Will you buy self-driving car?

I would not buy a self-driving car but I definitely look forward to using Uber-like services for self-driving cars and giving up vehicle ownership. It means I won't need parking at my residence for a car. It means downtown areas especially will need far less parking, creating the ability to build-i...
by steadyeddy
Fri May 01, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: What sort of MBA is right for me?
Replies: 13
Views: 1089

Re: What sort of MBA is right for me?

Thank you all for the replies! To answer some of your questions and comments: -My understanding is that there is no substantive financial aid for part-time and online programs. -I am open to career change in theory, but I'm not after the Bain or Goldman job your usual HBS grad is targeting. -My empl...
by steadyeddy
Fri May 01, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: What sort of MBA is right for me?
Replies: 13
Views: 1089

What sort of MBA is right for me?

I’ve read all the MBA threads, but I’d like some personalized input from this community on my situation. I am 28, married, live in Minneapolis, and work in a client services role at a Fortune 100 company. I really like the company, and I have a firm promise from my group’s VP that I will be promoted...
by steadyeddy
Tue Apr 14, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11568

Re: Does your family know about your net worth (ball park)?

No, no, and probably yes. I honestly couldn't tell you who in my family has more and who has less, but I know we all have enough to live happy, fulfilling lives.
by steadyeddy
Wed Apr 08, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4439

Re: making the switch to Ally Bank

Moved from WF to Ally about 18 months ago. I was hesitant to do online banking, but it has truly been a pleasure. One item of note: I needed a certified check quickly, but Ally said it would take ~7 business days. I had to wire the money to a local credit union who then cut the check that same day. ...
by steadyeddy
Fri Mar 27, 2015 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3416

Re: Son graduating college-what to do?

I am a recent graduate myself and agree with some others above that a one-time gift is a good idea. A declining bank balance has a wonderful way of creating urgency in a job search. It's also easier to offer occasional, unexpected help than wean a child off the dole after an expectation has been cre...
by steadyeddy
Wed Mar 25, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 7114

Re: A great shave at a great price

MG, I'm sorry you're so disheartened. A lot of things in life come down to trade-offs and preference. Dorco works best for me.
by steadyeddy
Fri Mar 20, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 7114

Re: A great shave at a great price

Tried DE razor. Big up front investment, good shave, but it took forever. Been using the 6 blade Dorco razors for about a year now and it's the best, fastest shave I've ever had. Better than the Gillette blades by far. I got a great deal and only paid about 30 cents a blade. They last me about two w...
by steadyeddy
Fri Mar 20, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 4726

Re: To MBA or Not to MBA

MBAs part time don't usually get internal recognition within companies and they have less academic prestige than full time programmes. The money for a full time programme is generally only worth it for the top 15 schools and then only if you follow that up with a prestige employer (consulting, bank...
by steadyeddy
Fri Mar 06, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 7060

Re: Does My Daughter Need A Prenup?

I was watching Downton Abbey this week, so I know all about these "Treasure Hunters" that prey on young women for their family fortunes! :wink: Seriously, his income could quintuple in the next few years, and his family could be fabulously wealthy beyond your wildest dreams. Please recogni...
by steadyeddy
Thu Mar 05, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA as e-fund, really? Mortgage lender won't count
Replies: 8
Views: 1249

Re: Roth IRA as e-fund, really? Mortgage lender won't count

Not a refinance, but Penfed counted a fraction of retirement assets for my new home purchase (e.g. 50% or so).
by steadyeddy
Wed Feb 25, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: ETrade or Ameritrade for SIMPLE IRA?
Replies: 4
Views: 281

Re: ETrade or Ameritrade for SIMPLE IRA?

Thank you both, I will look more closely into TD Ameritrade. Buying and selling ETF's is not as simple as a target date mutual fund, but why not learn something new if the price is right? :sharebeer
by steadyeddy
Wed Feb 25, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: ETrade or Ameritrade for SIMPLE IRA?
Replies: 4
Views: 281

ETrade or Ameritrade for SIMPLE IRA?

My wife is starting a new job and her employer offers a SIMPLE IRA with either Ameritrade or ETrade. My own 401k is 100% in Vanguard Retirement 2050 and I would love to use a similar product for her, but I'm not finding one at low cost. Does anybody else have a SIMPLE IRA or similar at one of these ...
by steadyeddy
Sat Feb 14, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing credit for college-bound kids?
Replies: 12
Views: 939

Re: Freezing credit for college-bound kids?

I am fairly certain you can get a credit card at 18, but the banks recognize the credit risk that comes with immature borrowers as well as you do. It comes down to parenting style, but my theory is that college is a great time to let her make any mistakes. You can't protect her from herself forever,...
by steadyeddy
Thu Jan 22, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 13455

Re: Keurig-cup coffee makers - why?

This is embarrassing to admit, but I have no idea how a regular coffee maker even works... My friends who asked me to pick up whipped cream on my way to dinner party and said, "What is THAT?" when I arrived with cream instead of aerosol. They had never seen whipping cream before in their ...
by steadyeddy
Mon Jan 19, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 31
Views: 3265

Re: Can we afford to buy a house?

Put me down in the "you can afford more than $175k" column. $215k is still a relatively modest home for someone with your income and assets. Certainly don't spend more than you have to, but don't make huge sacrifices to stay under an arbitrarily low number. And yes, it pained me a bit to l...
by steadyeddy
Thu Jan 15, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3503

Re: 3%, 10-year CD bought today

tainted-meat wrote:The yield on VTIAX is 3.4%


Well heck, if you don't care about risk, what's the ruble yielding now?
by steadyeddy
Thu Jan 08, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Self-driving cars a threat to Buffett's empire
Replies: 24
Views: 2114

Re: Self-driving cars a threat to Buffett's empire

I believe that over time autonymous cars will reshape a huge number of businesses. Decreases in accidents will impact insurance, auto repair, and emergency healthcare. Reduced labor costs will impact any business that uses vehicles like trucking, livery, waste collection, mail and food delivery, etc...
by steadyeddy
Wed Dec 10, 2014 10:17 am
Forum: Personal Finance (Not Investing)
Topic: thank you note following interview (best way)
Replies: 21
Views: 1563

Re: thank you note following interview (best way)

I was almost passed over for my current role because I sent a note via snail mail. The hiring manager was bothered that I was the only candidate who didn't email to follow up. Luckily she liked me enough to have the recruiter call me about it, and the recruiter reported back that I mailed it and was...
by steadyeddy
Tue Dec 02, 2014 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home without a buyer's agent
Replies: 41
Views: 2029

Re: Buying home without a buyer's agent

When I sign a listing contract the seller and I set a percent, 5 or 6% is the usual. The commission is split between the buyers agent and myself based on what I listed in MLS, ether 50/50 or 45/55. If you don't want a buyers agent I happily handle the whole transaction. :moneybag Wouldn't that caus...
by steadyeddy
Wed Nov 26, 2014 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: I'd like to start managing OPM (other people's money)...
Replies: 15
Views: 1302

Re: I'd like to start managing OPM (other people's money)...

I think the term you want to google is "registered investment advisor" (RIA). Be sure to purchase some E&O insurance, keep very good records, and make your clients repeat "I am going to lose money" three times before they write you their check. And personally, I agree with th...
by steadyeddy
Wed Nov 26, 2014 2:25 pm
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6626

Re: Being woken up by neighbors above me

I've been there and I feel for you, but please don't ask them to walk more quietly. Nobody has a duty to walk on the balls of their feet in their home. It sounds like apartment living is not for you. Live and learn.
by steadyeddy
Tue Nov 25, 2014 9:55 am
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 2799

Re: Carrying alternatives for phone, credit cards, money

I try to keep my wallet as slim as possible, but I seem to carry more cards than most and dont know how I could go without any of them.

Drivers license
Work ID
Credit card
Debit card
Corporate credit card
Library card
Bus pass
Car sharing card
Health insurance card
Prescription insurance card
Cash
by steadyeddy
Fri Nov 14, 2014 1:37 pm
Forum: Personal Consumer Issues
Topic: Parents can be forced to pay college tuition in NJ?
Replies: 31
Views: 2035

Re: Parents can be forced to pay college tuition in NJ?

What a fascinating case. The article makes it sound like they didn't even refuse to pay tuition at a school, but rather didn't want to pay for the out-of-state school she opted to transfer into over the summer. I wish I understood the legal precedent better, because it doesn't pass the sniff test.
by steadyeddy
Wed Oct 29, 2014 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1760

Re: Possible Relocation to San Francisco - Advice?

It's not really about the money (and if it was, you should probably stay put). It's about living where you want to live your life. You only get to do it once after all.
by steadyeddy
Wed Oct 22, 2014 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 5041

Re: Making an offer today

A side note... In my city and I think many other major cities, if a property is priced relatively correctly, an offer less than 90% of the asking price is usually not received well. In my experience, if I thought the property was priced that incorrectly, I'd just move on down the road and assume th...
by steadyeddy
Mon Oct 13, 2014 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Bought a house, now time to think about retirement (help)
Replies: 27
Views: 2581

Re: Bought a house, now time to think about retirement (help

Also be sure you have an adequate emergency fund now that you own a house. You need to keep paying that mortgage in the event of job loss or all that saving will have been for naught.
by steadyeddy
Thu Oct 02, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1951

Re: Changing a flight date

I agree, it would be nice to have international travel options aside from the Caribbean. I used to be loyal to Delta, but the devaluation in their Skymiles ("sky pesos") program really irked me. I needed a frequent flier TIPS product to keep that European award trip within my grasp! :D
by steadyeddy
Thu Oct 02, 2014 2:56 pm
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1951

Re: Changing a flight date

This is why I try to fly on Southwest for many US flights. You can get full credit for your unused flight segments if you cancel them before the flight time. They won't refund in cash, but in the form of a credit that is good for a year for other Southwest purchases. Note that you still may have to...
by steadyeddy
Mon Sep 29, 2014 4:57 pm
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 6698

Re: Buy Local

Local merchants really only offer me convenience at a cost. The internet provides expertise (personal finance advice included!), and I don't have a cherished lamp.
by steadyeddy
Fri Sep 26, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 12654

Re: Bill Gross moving from PIMCO to Janus, Monday

Wow! I hope Allianz got their money's worth from PIMCO already, because this is going to mean some serious outflows for them.
by steadyeddy
Thu Sep 25, 2014 9:58 pm
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 54
Views: 4317

Re: Trying to understand Uber and similar "ride sharing" ser

I am a huge fan of uber and lyft, and I wish that even regulated taxis would copy their dispatch and payment methods. The last regulated can I took was two weeks ago, and he charged me an extra $4.50 to use a credit card on a $40 fare. As if the torn seats and awful smell weren't enough make the exp...
by steadyeddy
Fri Sep 05, 2014 12:49 pm
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1244

Re: Issues with home inspector?

I know the contract I signed for my home inspection gives me virtually no recourse. I think I could win up to $300 in arbitration. Housing is an undiversified risk. Sometimes you get unlucky. You can probably get a token sum back from the home inspection company with an informal complaint, but you h...
by steadyeddy
Tue Sep 02, 2014 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1938

Re: Is a college degree really worth what it costs?

If you cut low/no ROI activities out of life, you're doing it wrong. I'm not saying college costs are what they should be, but framing the issue in terms of ROI is way too simplistic. Soccer and swimming lessons have terrible ROI, but you sign your kid up because...
by steadyeddy
Sun Aug 31, 2014 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: disconcerting insurance company downgrade
Replies: 18
Views: 1736

Re: disconcerting insurance company downgrade

If I wanted to set it and forget it, I would probably look at Chubb, Travelers, Zurich, and Firemans Fund. Each have conservative underwriting, strong balance sheets, and relatively conservative investment portfolios. They are unlikely to be your cheapest option, and they will probably be significan...
by steadyeddy
Mon Aug 25, 2014 10:41 pm
Forum: Personal Consumer Issues
Topic: When to leave a neighborhood for greener pastures?
Replies: 46
Views: 5200

Re: When to leave a neighborhood for greener pastures?

Take your time finding the right house. Surely you can find a relatively small, efficient house even in a good neighborhood with large lots. Best of both worlds.
by steadyeddy
Mon Aug 25, 2014 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 2683

Re: Can a Boglehead put down 10% on a house?

In addition to the down payment, you have to be prepared for closing costs and all sorts of "new house" expenses that will come with your house. We needed to pay for window shades, gutters, a mower, a few pieces of furniture, re-keying the locks, etc, etc. Closing costs and misc. expenses ...

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