Search found 1396 matches

by SteveB3005
Thu Feb 02, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 11636

Re: Pet insurance for new puppy

Yeah that's about right $1600 a year for the 2 dogs. A bargain compared to the $9200 yr I spend for my healthcare premiums.
by SteveB3005
Thu Feb 02, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 11636

Re: Pet insurance for new puppy

$133 and there is a discount for auto-pay, deductible was lower than I thought. This plan does not cover check-ups, but has no limit and covers 90%


Pet Name: Ricky
Date of birth: 03/05/2014
Type: Dog
Breed: Pembroke Welsh Corgi
Gender: M
Monthly premium for this pet: $72.66 (As seen on Dec Page)
Deductible: $100.00 per incident


Pet Name: Luci
Date of birth: 01/01/2014
Type: Dog
Breed: Terrier
Gender: F
Monthly premium for this pet: $60.40 (As seen on Dec Page)
Deductible: $100.00 per incident
by SteveB3005
Thu Feb 02, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 11636

Re: Pet insurance for new puppy

Call'em, Trupanion is the carrier. Ricky is a Cardigan Corgi 2yr10mo, Lucy is a Rat Terrier mix 3yr 1 mo. 90% /$750 deductible
by SteveB3005
Thu Feb 02, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Small Company SIMPLE IRA Plan
Replies: 9
Views: 1730

Re: Small Company SIMPLE IRA Plan

No yearly fee at Schwab and lower minimums on funds. We've had a Simple there since the early 90's, I've overseen that program and few problems that I can recall.
by SteveB3005
Thu Feb 02, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 11636

Re: Pet insurance for new puppy

I pay it, $124 total for both our 3 year old dogs. I pay it for me, as much for them. For when the Vet looks at me and says, "there's a good chance of recovery, but it's a $9500 operation", and it takes one second to say yes. No indecision, no regrets.
by SteveB3005
Tue Jan 10, 2017 7:41 am
Forum: US Chapters
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 30368

Re: Sad News About a Respected Forum Member

My favorite insurance guy. Ever. Thanks for your help Meph. RIP
by SteveB3005
Tue Jan 10, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 407
Views: 63819

Re: How Bad was 2008, really?

Stay the course was still the mantra, but there was plan B's everywhere. And when Adrian Nenu, darth vader himself, pronounced he was selling all his bonds and going all in. Doom was real.
by SteveB3005
Tue Dec 20, 2016 8:09 pm
Forum: Personal Investments
Topic: International Index Funds
Replies: 29
Views: 4108

Re: International Index Funds

Even if nothing else you pick up currency diversification, that seems to be a large part of what would appear as out-performance in a short and mid-term time frame.
by SteveB3005
Tue Dec 20, 2016 6:54 am
Forum: Personal Consumer Issues
Topic: Sling TV
Replies: 28
Views: 4448

Re: Sling TV

I trialed the FS1/FS2/NBCSN package and kept it, a nice bundle if you prefer soccer/hockey to football/basketball. Encountered very little downtime, the no playback takes a bit of getting used to, but I've become a better listener.
by SteveB3005
Sun Dec 06, 2015 6:25 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Hall of Fame
Replies: 35
Views: 5376

Re: Bogleheads Hall of Fame

Not even Livesoft?
by SteveB3005
Mon Jun 22, 2015 10:33 am
Forum: Personal Investments
Topic: yobria's easyallocator.org website?
Replies: 9
Views: 2488

Re: yobria's easyallocator.org website?

"If it weren't for color printers, and man's need to find patterns where there are none, investment advisers would be a whole lot poorer." - yobria

Nick was about better investing through noise reduction, an excellent message and contributor. I miss him.
by SteveB3005
Thu Mar 19, 2015 9:46 am
Forum: Investing - Theory, News & General
Topic: Where is Larry Swedroe
Replies: 18
Views: 5955

Re: Where is Larry Swedroe

The Only Investment Guide You'll Ever Need For Investment Guides, is the final in the series I believe.
by SteveB3005
Sun Mar 01, 2015 10:09 am
Forum: Investing - Theory, News & General
Topic: Does More Indexing Mean Less Stock Trading?
Replies: 8
Views: 1499

Re: Does More Indexing Mean Less Stock Trading?

The numerous types of index funds, value/growth, sector and size, collectively create many of the same push-pull trading dynamics that exist between active and passive managed funds now.
by SteveB3005
Tue Jan 27, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 16663

Re: Would you buy Total World index if it had Admiral Shares

After years of tilting, it's been my equity tool of choice in ETF form for three years. I'm not going to create a taxable event with my value and small funds, but all new money and tax loss harvesting moves, funnel back into VT.
by SteveB3005
Wed Aug 06, 2014 2:52 pm
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 8390

Re: What to tell friends who think "it's all a scam"

...in the long term there will always be a positive return to equity. If there isn't we'd all just sit still and starve.-Boglegrappler

Particularly lovely phrasing in cutting to the essence of markets. I'll have occasion to use this, thank you.
by SteveB3005
Thu Jul 03, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 115
Views: 28058

Re: How to admit/should I admit alcohol problem to employer

It seems the focus was on admitting how your drinking has wronged other people, when I don't think that applies to my situation.

When you've been sober a few months and have taken a realistic inventory of your actions and relationships it would totally surprise me if you still agree with that statement. I've said this exact thing and have heard it from a dozen other drunks, it's pure denial.

I'm an alcoholic who's last drink was January 3rd, 2001
by SteveB3005
Wed May 14, 2014 8:42 am
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 14736

Re: True cost of a [dental] implant

Lower left, first molar, I'm having this done presently. Right around four thousand, yep. Includes extraction and bone graft, the rest pretty much like you said. I trust my dentist, he seems to have good rates and everyone I've sent to him has stayed, and he made the referral. I didn't shop around, shame on me, the service is good and I'm happy about things in general.

Hey, so OP, when he did the torque test did he give you a value. Said mine was 85, highest he's ever seen. From where I was sitting looked like 58, just wondering.
by SteveB3005
Thu May 08, 2014 3:43 pm
Forum: Personal Consumer Issues
Topic: bathroom exhaust fan placement
Replies: 18
Views: 5186

Re: bathroom exhaust fan placement

#2 if you have a choice. Sometimes, and especially if you are venting through the wall and not vertical through the roof, exhaust vent line routing will be constrained by ceiling or floor joists. Also, spend the extra and get a quiet model of 1 sone or less and go with 100-110 cfm instead of an 80cfm. Also, I would get one with a built in light and an electronic wall timer switch and wire the light to come on with the fan. Kids tend to forget to turn on a fan, but will never forget to turn on a light. With the timer the light goes out with the fan, becasue kids never remember to turn off a light. Pretty much covers my thoughts on bathroom fans. http://www.intermatic.com/~/media/Intermatic/Images/Timers%20and%20Time%20Switches/In-Wall%20Time...
by SteveB3005
Wed Mar 05, 2014 10:43 am
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 10878

Re: Do you have a favorite chocolate bar?

About 3 bucks for a 3.25oz bar.

Image
by SteveB3005
Thu Feb 06, 2014 8:52 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 11598

Re: Best Movies of 2013

Valuethinker on 'American Hustle' wrote: ...but I thought some of the acting (especially Christian Bale, Amy Adams, Jeremy Renner) was fantastic. Given the role she had to play, I thought Amy Adams did a fantastic job.

I loved this movie, and yes, wonderful characters with rich interplay. I'd read there was a lot of freedom given to the actors with the dialogue, and whilst director David O. Russell was warned this could change the tone, he thought it added depth. It was a good call.
by SteveB3005
Thu Jan 16, 2014 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 1217
Views: 222978

Re: High Earners - What's Your Profession?

Presently, real estate and rentals.
by SteveB3005
Fri Jan 10, 2014 3:14 pm
Forum: Personal Consumer Issues
Topic: Car Seat Covers
Replies: 11
Views: 1610

Re: Car Seat Covers

ScotinUS wrote:We used wetokole (http://www.wetokole.com) seat covers in our last truck and in our Honda element since we have a very large dog. When we sold the Sport Trac the leather seats looked like new - best seat covers I have ever had. They aren't the cheapest but like most things you get what you pay for!

This is an excellent product, have used them in two of my personal vehicles.
by SteveB3005
Thu Dec 19, 2013 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 7203

Re: Bryn Mawr [College]

There you go, mileage may vary.
by SteveB3005
Tue Dec 17, 2013 7:46 pm
Forum: Personal Consumer Issues
Topic: Eye Blood Vessel Broke
Replies: 12
Views: 1805

Re: Eye Blood Vessel Broke

Locked? She's not asked for medical advice, just if it's happened to others and presumably how they've dealt with it. Certainly actionable and definitely not political.
by SteveB3005
Thu Dec 12, 2013 8:43 am
Forum: Personal Consumer Issues
Topic: Direct TV?
Replies: 42
Views: 8818

Re: Direct TV?

Kuota Rider wrote: Direct TV has the worst customer service on the planet

My friend, Direct TV is a five star hotel when comparing service to Century Link.
by SteveB3005
Sat Nov 16, 2013 9:47 am
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 9896

Re: Recommend a good pair of slippers!

Something nice and I like deerskin, for practicality, it's crocs and socks.
by SteveB3005
Thu Nov 14, 2013 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 14138

Re: My relatives insulted my family for 40 years and think t

Victoria asks: What are your old favorite threads?

I hold this one close, My daughter got a nose pierce! I am not happy. Oct 08, 2008
by SteveB3005
Wed Oct 02, 2013 2:14 pm
Forum: Personal Consumer Issues
Topic: Have you ever been to Charleston, SC?
Replies: 16
Views: 1721

Re: Have you ever been to Charleston, SC?

Yes, rode out Hurricane David aboard a dry docked ship in 1979 at the Charleston Naval Shipyard.
by SteveB3005
Wed Sep 25, 2013 8:53 am
Forum: Personal Consumer Issues
Topic: An investment in CO (climbing)
Replies: 18
Views: 2641

Re: An investment in CO (climbing)

I think I got a little dizzy! Very nice.
by SteveB3005
Sun Sep 22, 2013 10:14 pm
Forum: Personal Investments
Topic: any good funds in this list
Replies: 10
Views: 1943

Re: any good funds in this list

SSgA S&P 500 Index 65%

You knew what she meant though.
by SteveB3005
Sun Sep 22, 2013 10:09 am
Forum: Investing - Theory, News & General
Topic: Long-Term Investment-Grade SEC yield > 5%
Replies: 34
Views: 5357

Re: Long-Term Investment-Grade SEC yield > 5%

" ....it is basically david swensen's argument in Unconventional Success."

And Larry Swedroe's main argument against holding high yield bond funds. From memory, he'd stated that only short term corporate bond investors were adequately rewarded, and eventually drifting even more from that conservative position as calls became prevalent. I like the idea of the highest quality fixed income available and taking the risk on equities, too much mental accounting for me otherwise.
by SteveB3005
Fri Sep 20, 2013 6:42 am
Forum: Investing - Theory, News & General
Topic: Who do you guys discuss investment strategies with?
Replies: 56
Views: 12630

Re: Who do you guys discuss investment strategies with?

I tend to lose them right around uncompensated risk, I'm down to you guys and the dog for discussion purposes.
by SteveB3005
Thu Sep 19, 2013 7:45 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Size and Asset Allocation
Replies: 27
Views: 4485

Re: Portfolio Size and Asset Allocation

Some of the prettier graphs we've had here.
by SteveB3005
Mon Sep 16, 2013 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: New Home: Build vs Used
Replies: 29
Views: 3791

Re: New Home: Build vs Used

I like used, the ability to select from finished and settled houses. Homes in that 15-20 yr range all would have the higher amp service panels, PVC sewer lines, and much of the same safety code as today.

And check those floodplain maps, in the last week I've seen places flood out in my town, that have totally surprised me.
by SteveB3005
Sat Sep 14, 2013 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 20518

Re: Got fired earlier this week, now the boss wants me back

I say move on, and " work part-time so I could spend more time with the family, and to pursue other interests." You only come this way once, looks like you have a nice financial anchor there, I'd take what I need emotionally.
by SteveB3005
Fri Sep 13, 2013 3:08 pm
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 103
Views: 24124

Re: Severe criticism of DFA's "profitability" factor researc

I'm sure there are cases where that's true, but with Vanguard I don't see it.



Tax-adjusted Return .........5yr..10yr..15yr Morningstar*


VTSMX Vang TSM............. 7.37 7.39 5.92

VIVAX Vang LgV Indx .........6.32 7.04 5.38
by SteveB3005
Fri Sep 13, 2013 2:38 pm
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 103
Views: 24124

Re: Severe criticism of DFA's "profitability" factor researc

" You have to ask "Why bother?"

This is where it always seems to end up with tilting , and especially in non-tax advantaged accounts, the after tax returns and risk adjusted gains of a TSM index are extremely hard to beat.
by SteveB3005
Wed Sep 11, 2013 7:52 pm
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 2690

Re: Drainage issue - Requesting Your Thoughts

French drain and swale is the one I'd go with. The buffer of the French drain mitigates slower drains, in the event, and it's just a better all-around set-up.
by SteveB3005
Wed Sep 11, 2013 2:05 pm
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 103
Views: 24124

Re: Severe criticism of DFA's "profitability" factor researc

It's handy science, a marketing answer for those buzzword savvy investors who need something that fits the Grantham 'high-quality stocks' mold.
by SteveB3005
Tue Sep 10, 2013 7:23 pm
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 103
Views: 24124

Re: Severe criticism of DFA's "profitability" factor researc

I was having flashbacks of Yobria there! Cool.
by SteveB3005
Sat Sep 07, 2013 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Compensation for] Overtime
Replies: 32
Views: 4072

Re: [Compensation for] Overtime

Odd corporate culture, to pull something out of the bag that would seem so worker unfriendly, without putting some positive spin on it beforehand.
by SteveB3005
Sat Sep 07, 2013 7:25 pm
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 44
Views: 10154

Re: Those silly lotion containers

I think the problem continues to be making a vertical dispenser with an inverted cone design that doesn't tip easily. No inkling on the aerosols, I have felt your pain.
by SteveB3005
Sun Sep 01, 2013 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Retire early and save money on health care
Replies: 10
Views: 2617

Re: Retire early and save money on health care

That's too much work, you got to move all your stuff, I hate moving. The tax credits are so rich on ACA that if, as a couple you stay below 62k or single below 46k income , the coverage becomes amazingly affordable for the 50-64 year olds. My calculations say maybe $400-$600 a month per person on a Silver Plan, those prices put early retirement on the table for a lot of people.


Boomers may benefit most from Obamacare, MarketWatch 30Aug2013
http://blogs.marketwatch.com/encore/201 ... obamacare/
by SteveB3005
Sat Aug 31, 2013 5:17 pm
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 4352

Re: Denver - where to stay, what to do and see?

If that's the week of Sunday the 15th, the St Louis Cards are in town Mon-Thu, and the Diamondbacks Fri-Sun. Great time of year to take in a ballgame here, the weather is postcard perfect and the sunsets for the night games can be spectacular. Good tickets at the window in the $25-$45 and the 'Rockpile' centerfield bleacher seat are almost always available and are $4.


Image
by SteveB3005
Sat Aug 31, 2013 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Simple IRA offered by new employer
Replies: 9
Views: 1220

Re: Simple IRA offered by new employer

It's always the total return, in portfolios, in work, in life. If the job is to your liking and the pay reasonable, there are worse things than having part of your portfolio in taxable accounts. Sometimes there's even advantages to holding equities there.
by SteveB3005
Thu Aug 29, 2013 5:35 pm
Forum: US Chapters
Topic: Au revoir mes amis
Replies: 39
Views: 8433

Re: Au revoir mes amis

- this is by design more of a question-answer forum than a community.

Wasn't always like that. I liked it much better before the non-profit status, we got just as much good work accomplished and had a lot more fun. Easy for me to say, I don't pay the bills, just reminiscing.
by SteveB3005
Thu Aug 29, 2013 1:51 pm
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 2486

Re: In contract on home with settlement and drainage concern

I need to get better at determining what people want to hear.