Search found 564 matches

by steadyeddy
Mon Sep 26, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: I might have made a mistake on ebay?
Replies: 26
Views: 3280

Re: I might have made a mistake on ebay?

I was a very regular buyer and seller on eBay in their earlier days. Then one day I realized the ratio of scams to legitimate transactions had grown too large to make the platform usable for an honest person. I'm convinced eBay management is facilitating a very profitable crime platform that caters ...
by steadyeddy
Thu Sep 15, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2477

Re: Will you delete the Stocks App from your iPhone?

Wow, I hadn't heard about this change! I curently have an app container labeled "apple bloat" that I wouldn't mind deleting completely. The stocks app is definitely in that container.
by steadyeddy
Mon Sep 12, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 44
Views: 5046

Re: What shape is your net worth curve?

Very linear. Surprisingly straight considering it's comprised mostly of equities.
by steadyeddy
Mon Sep 12, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11534

Re: Who is ready for iphone 7?

Exactly. The Verizon line charge after the $650 reimbursement remains $20/mo (the BYOD rate) rather than the $40/mo line charge for subsidized contracts. Verizon is simply paying $650 for an asset worth about $300 and not directly recouping the cost...just vying for market share. It's a pure win fo...
by steadyeddy
Mon Sep 12, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Christmas gift expectations
Replies: 61
Views: 4150

Re: Christmas gift expectations

I would blame travel costs and decline to participate.
by steadyeddy
Mon Sep 12, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11534

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by steadyeddy
Mon Sep 12, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11534

Re: Who is ready for iphone 7?

I also planned to keep my iphone 6 for another year or two until I had a compelling reason to upgrade, but with Verizon offering a $650 trade-in credit, the only cost to upgrade is the sales tax which is less than the cost of replacing the battery to keep it running well for another two years. And t...
by steadyeddy
Thu Sep 08, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2095

Re: Any King Charles Cavalier Spaniel owners here?

This is person specific and dog specific, so no amount of reading can help you. If I were in your shoes I would shoot for a foster to adopt situation where you can test drive the dog and vice versa. Most volunteer rescue organizations (as opposed to shelters) use his model in my area.
by steadyeddy
Tue Sep 06, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Reflections on 25 years in a bond fund
Replies: 13
Views: 2291

Re: Reflections on 25 years in a bond fund

ogd, thank you for educating me! Very helpful!
by steadyeddy
Wed Aug 31, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33243

Re: Frugality regret: What thing do you regret not spending on?

Wow is this thread depressing! :( My wife and I have put off traveling for the last two years in anticipation of a pregnancy that hasn't materialized. We're talking about a big vacation now, and I've been feeling cheap in light of likely infertility treatment costs. Thanks for the wake up call! :beer
by steadyeddy
Tue Aug 30, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Do you factor mandatory surcharges into gratuity?
Replies: 52
Views: 3087

Re: Do you factor mandatory surcharges into gratuity?

The surcharge is not going to the server, so I don't understand why it should impact the tip. Do you tip less when the menu price or sales tax increases? I never considered the impact of a $15 wage on tipping. Surely we can't be expected to tip the same amount? Although I'm reminded that my state pa...
by steadyeddy
Sun Aug 28, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 10190

Re: How much vacation time do you get at work?

23 PTO days after 5 years (max is 30), and 9 holidays.

We can only roll over 5 days, so I have the kick in the pants I need to actually take the time off.
by steadyeddy
Sat Aug 27, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Down Payment Amount on New Home - 10 or 20%
Replies: 21
Views: 1596

Re: Down Payment Amount on New Home - 10 or 20%

You're contemplating paying $4,000 to have the use of $12,000 over a 7 year period, is that right?
by steadyeddy
Wed Aug 24, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance question
Replies: 23
Views: 1735

Re: Homeowner's insurance question

Sometimes an insurance company just decides it wants to get out of an area. They'll start dropping policies left and right for little things, or they'll drop all policies in an entire region. Maybe Traveler's had too many claims in OP's region last year. The OP is not insured by Travelers, but is c...
by steadyeddy
Thu Aug 18, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house....
Replies: 19
Views: 1656

Re: Would you buy a house....

I would definitely drive by it on different days and at varying times to get a feel for the area. There is a park like that less than a mile from my house that I would not want to live near. Dozens of cars parked on the street, litter everywhere, a loud ice cream truck circling it five hours a day, ...
by steadyeddy
Sun Aug 14, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: How well do robot vacuums work?
Replies: 26
Views: 2483

Re: How well do robot vacuums work?

P.S. The random path finding is maddening if you let yourself watch it, but since it runs every single day, I imagine the routing evens itself out over time and every square inch of flooring gets covered multiple times a week. Just schedule it to run when you're not home so you can't watch it bumbl...
by steadyeddy
Sun Aug 14, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: How well do robot vacuums work?
Replies: 26
Views: 2483

Re: How well do robot vacuums work?

A roomba always seemed like a silly novelty to me until we got a labrador retriever. Suddenly we needed daily vacuuming, and we're way too lazy for that. Our low-end $350 roomba runs every weekday at 9am while we're at work, and at 2pm on the weekends while we're typically out of the house. We don't...
by steadyeddy
Tue Aug 09, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Will realtor advise on needed improvements for home sale?
Replies: 38
Views: 2033

Re: Will realtor advise on needed improvements for home sale?

My experience and that of others I know is that today's buyers aren't that interested in creating "sweat equity" by fixing things themselves. Not even painting. And to the degree that they would, its easier for them to finance if its already done and built into their purchase price. Defin...
by steadyeddy
Tue Aug 09, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Will realtor advise on needed improvements for home sale?
Replies: 38
Views: 2033

Re: Will realtor advise on needed improvements for home sale?

You have to ask yourself who is going to buy the house. A large house in a nice neighborhood offers better ROI on improvements than a small home in a bad neighborhood. Handy people shopping in that nice neighborhood likely also have more cash to fix a home up themselves if you sell it as a blank can...
by steadyeddy
Tue Jul 26, 2016 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Liability insurance needed if renting apartment?
Replies: 14
Views: 777

Re: Liability insurance needed if renting apartment?

I don't have an umbrella policy because I own a house. I have an umbrella policy because I drive a car. Honestly, I can't think of any even remotely likely accident on my (pool-less) property that would exceed my primary homeowners policy limits. Conversely, I could quite easily cause a wreck at 60...
by steadyeddy
Mon Jul 25, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Liability insurance needed if renting apartment?
Replies: 14
Views: 777

Re: Liability insurance needed if renting apartment?

I don't have an umbrella policy because I own a house. I have an umbrella policy because I drive a car. Honestly, I can't think of any even remotely likely accident on my (pool-less) property that would exceed my primary homeowners policy limits. Conversely, I could quite easily cause a wreck at 60m...
by steadyeddy
Fri Jul 15, 2016 2:24 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2275

Re: Problem with cell phone + this website

I have experienced the same issue, but only when I move around between different towers or wifi networks. If I am sitting at home on my own wifi network, I stay logged in between browsing sessions. Does this mesh with your experience, Almost there?
by steadyeddy
Fri Jul 15, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship between interest rates and real estate prices?
Replies: 9
Views: 439

Re: Relationship between interest rates and real estate prices?

If interest rates rise, demand will likely fall which we would expect to decrease house prices. But most people cannot afford to sell at a loss and might delay selling their house which will decrease supply which we would expect to increase prices. At that point in time inflation will also take off ...
by steadyeddy
Wed Jun 22, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5944

Re: Should I express my inheritence thoughts to my father?

Were you hoping that at some point your siblings would declare you the winner and salute? Life is not a competition; you don't get a trophy at the end for doing it "better." Enjoy the journey.
by steadyeddy
Wed Jun 22, 2016 5:15 am
Forum: Personal Consumer Issues
Topic: House hunting, tips and why do people list houses too high?
Replies: 41
Views: 3931

Re: House hunting, tips and why do people list houses too high?

Rodc wrote:
Epsilon Delta wrote:
edge wrote:Where do you live that houses are less than 100$/sqft?

Between the Appalachians and the Sierras.


Skipping Chicago and Denver/Boulder. :happy


You can nix Minneapolis and Austin while you're at it. And anywhere else with an abundance of well paying jobs.
by steadyeddy
Tue Jun 21, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use this realtor?
Replies: 27
Views: 2065

Re: Should I use this realtor?

That's bizarre. If I walk into an open house of my own free will, I feel no duty to hire the putz standing by the island counter. Actually, I might just start hiding behind the front door of open houses and ambushing people that walk in. "Aha! You are now legally obligated to work with me to bu...
by steadyeddy
Tue Jun 21, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: House hunting, tips and why do people list houses too high?
Replies: 41
Views: 3931

Re: House hunting, tips and why do people list houses too high?

In my area, homes in a particular neighborhood tend to be priced in a relatively tight range on a per square foot basis. This makes it easy to spot outliers. I also wouldn't be scared about putting in a fair (low) offer to an overpriced seller. Their agent likely knows full well the home is overpric...
by steadyeddy
Tue Jun 07, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance
Replies: 8
Views: 811

Re: Personal Umbrella Insurance

I want to share my experience in case it can help others. I've read these threads for years, but waffled on getting an umbrella policy because we are young with relatively modest assets and a low-liability profile (e.g. no kids, pool, boat, etc.). This year I finally asked my agent what an umbrella ...
by steadyeddy
Tue May 31, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: International stocks underperformed for the last 20 years.
Replies: 136
Views: 10914

Re: International stocks underperformed for the last 20 years.

Kosomoto, you have asked whether we have a reason to believe international equities will not chronically underperform US equities in perpetuity. My question is whether you have a reason to believe they will. I believe that the global financial markets are relatively efficient and that globalization ...
by steadyeddy
Sat May 21, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Reality check - how am I doing
Replies: 63
Views: 7554

Re: Reality check - how am I doing

I've been spending some time on the MMM forums lately, and this whole thread is the perfect example of their perception of Bogleheads. Too funny! In fairness, I find the MMM groupthink to be quite judgemental and negative. No internet subculture is perfect, right? OP, you're probably doing well fina...
by steadyeddy
Tue Apr 05, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Are personal mortgages inherently risky (rent vs own)
Replies: 16
Views: 1682

Re: Are personal mortgages inherently risky (rent vs own)

Do you want asset price fluctuation (buy) and cash flow fluctuation (rent)? Pick your risk; neither is risk free. It should also be noted that home prices typically do not rise and fall with the same velocity as the stock market. Your example of a quick 50% gain or loss is unlikely, so the risk is o...
by steadyeddy
Mon Mar 07, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buy House Now or Later?
Replies: 29
Views: 1950

Re: Buy House Now or Later?

We bought a starter home two years ago because it was cheaper than rent. I planned to upgrade in ~5 years, but I pretty much wanted a larger, nicer house within six months of buying. I should have waited (and not been so cheap). On the plus side, this house has significantly increased the trajectory...
by steadyeddy
Sun Mar 06, 2016 1:19 am
Forum: Investing - Help with Personal Investments
Topic: [In need of advice.... Day trading - What am I missing?]
Replies: 20
Views: 1747

Re: [In need of advice.... Day trading - What am I missing?]

Step 1: Read Flash Boys by Michael Lewis Step 2: Recognize that you simply can't reliably make money against pros these days. Seriously, read it. And then if still think you can be a trading prodigy, you're far better off working for a hedge fund than trading your own little stake. It's a far easier...
by steadyeddy
Fri Feb 12, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 8474

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

dc81584 wrote:At age 30, it's probably best to have an 80/20 allocation. Having a conservative portfolio at such a young age only guarantees you a lower long-term rate of return.


I wasn't aware there were any guarantees in this business! :P
by steadyeddy
Fri Feb 12, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 8474

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

You need to recognize that retirees today were investing during a huge and prolonged bull market. They would be crazy not to wish they'd had more equities IN HINDSIGHT. It's like asking Bill Gates' longtime pal if he wished he'd invested early-stage. But go look at all the posts from the spring of 2...
by steadyeddy
Sun Feb 07, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 49
Views: 7026

Re: 10% Mortgage Down payment

I don't think the banks will be impressed that you're debt free with a smaller down payment. They would probably rather see the full 20% down with a higher debt-to-income (since a house 2.5x salary won't be stretching affordability anyway). In other words, check whether paying PMI is really cheaper ...
by steadyeddy
Tue Feb 02, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitter not providing SSN
Replies: 74
Views: 8876

Re: Babysitter not providing SSN

Let's try not to assume the worst in people, folks. Posts that imply the OP is a negligent parent or a criminal when all he or she did was ask a question in good faith are not what I hope to see from this community.
by steadyeddy
Tue Feb 02, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Buy a bigger vehicle to grow into?
Replies: 28
Views: 2063

Re: Buy a bigger vehicle to grow into?

The results are in!* Get a CR-V: 14 votes Get an SUV/Minivan: 12 votes OP is an idiot for asking: 1 vote OP can't afford a new vehicle: 1 vote :P Seriously, thank you all for your input. We were already planning to wait until after a birth to buy the new vehicle, but now I'm thinking maybe we should...
by steadyeddy
Mon Feb 01, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 2515

Re: Giving to vs. saving for charity

We give regularly to several charities (we use billpay to automate the checks going out) and then give larger gifts at the end of the year. I definitely need to look into bunching though.
by steadyeddy
Mon Feb 01, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Buy a bigger vehicle to grow into?
Replies: 28
Views: 2063

Buy a bigger vehicle to grow into?

My wife and I are planning to have a child in the next year or two and will buy a new vehicle when he or she arrives. At that point, we'll be a family of 2.5, so we really won't need a much space. Even a sedan would be fine, but I'm thinking something like a CR-V would allow us to strap in a car sea...
by steadyeddy
Thu Jan 21, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Are college costs really expected to go up in the future?
Replies: 19
Views: 1352

Re: Are college costs really expected to go up in the future?

I think higher education will bifurcate [more] as we move forward. HYPS will keep doing what they're doing and the worlds elite will attend at any price. Education for the masses will get cheaper and more career oriented.
by steadyeddy
Mon Jan 11, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 162
Views: 19095

Re: Large amount of CDs maturing....what to do?

I understand your hesitation because that's a huge chunk of your portfolio, but with CD's I think you just have to roll them over at the best available rates when the time comes and then consider breaking them if rates rise enough to justify it. And keep in mind, we're talking about a fraction of a ...
by steadyeddy
Tue Jan 05, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 5881

Re: Job Prospects for English Majors?

I have multiple "worthless" degrees that have nothing to do with my current job. I've done well because I: 1) Have a college degree 2) Made myself more valuable than my coworkers in any job I've worked 3) Have been lucky I will say that an increasing number of job postings in the business ...
by steadyeddy
Thu Dec 24, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 8776

Re: How much do you spend on groceries?

Groceries have averaged $352/mo for my spouse and me over the last 12 months, and that number includes alcohol, toiletries, cleaning supplies, paper products, etc. Restaurant meals have averaged an additional $349/mo over the same time period. We like good food and good friends to share it with! :sh...
by steadyeddy
Tue Dec 22, 2015 3:32 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 12704

Re: Large Energy stocks - why not?

Great discussion. I really enjoy the healthy tension between intelligent viewpoints here. Here are my thoughts: 1. Every time I do a thought experiment about making a sector bet, I quickly conclude there are too many variables for me to accurately predict the future. Eventually I'll either experienc...
by steadyeddy
Wed Nov 18, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone gone from 0 to 100?
Replies: 55
Views: 6952

Re: Has anyone gone from 0 to 100?

I'm just a few years older than you, so I know what it feels like to have more internal drive than external opportunity. And it's good to be young and hungry. A chip on your shoulder and a fire in your belly can help you work hard to get ahead. But I recommend going from 0 to 1 and then 1 to 2 and s...
by steadyeddy
Fri Nov 13, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: "Vacation Buy" from employer - is it worth it?
Replies: 30
Views: 2481

Re: "Vacation Buy" from employer - is it worth it?

My company offers the option to buy extra PTO during open enrollment, and I always do. Purchased time is used last after all other PTO, and any unused purchased time can be cashed out in December. I figure buying it gives me a year long option to choose time or money. If I do not buy it I can only c...
by steadyeddy
Mon Nov 09, 2015 11:23 am
Forum: Investing - Help with Personal Investments
Topic: myRA vs. Ally CD for Roth IRA?
Replies: 2
Views: 502

myRA vs. Ally CD for Roth IRA?

My spouse and I will be funding our Roth IRA's for 2015 soon. In the past we have funded Ally CD's with a 5 year term. This year I am considering starting a myRA instead. Both options offer a ~2% return, but the myRA offers it without threat of early withdrawal penalties should I choose to roll the ...
by steadyeddy
Tue Oct 27, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Palo Alto Medical Foundation ripoff - how to handle?
Replies: 36
Views: 2799

Re: Palo Alto Medical Foundation ripoff - how to handle?

For what it's worth, paying 400% more than Medicare through private insurance doesn't shock me. I've seen instances where Medicare reimbursement is 10x lower than private insurer rates.
by steadyeddy
Mon Oct 19, 2015 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is any of my capital at risk b/c of the Lawsuit
Replies: 22
Views: 3228

Re: Is any of my capital at risk b/c of the Lawsuit

No matter the outcome, I can't imagine there would be any political will to literally take money from retirees.

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