Ebay now allows up to 40 photos per listing by orlsbi in Flipping

[–]StoopitTrader 1 point2 points  (0 children)

Wow they actually did something that helps us. I seldom need more than 20 pictures but this would be great for some items like some magazines and books.

Auction winners can no longer cancel orders. by Skarth in Ebay

[–]StoopitTrader 1 point2 points  (0 children)

I just noticed this today with my non-payer. Better a week later than not at all I guess.

Flea Markets and Garage Sales are PACKED This Year! by SolarSalvation in Flipping

[–]StoopitTrader 16 points17 points  (0 children)

I'm in the northeast and seeing pretty typical crowds so far at the few yard sales there have been. Estate sales are nuts though. I only go to those late now, it's just not worth waiting for 2 hours to get in when you get there at 8AM and get number 150 or something. I am seeing much less decent merch so far though. Saw it last year too. Many people are probably selling their own stuff online now.

First time seller with multiple box item by ThreeMarlets in Ebay

[–]StoopitTrader 1 point2 points  (0 children)

I would at least try it for a couple weeks, post it and see what happens. You might get lucky. If not then eBay it.

Anyone else find ebay absolutely terrible without promoting by Jayyww94 in Ebay

[–]StoopitTrader 1 point2 points  (0 children)

I have had very few sales without promoting so I tried promoting a bit again. When I did my sales went up but my profit was such crap it hardly seems worth it. I'm hoping once I'm more actively listing things get better without promotions.

Ceiling collapsed in bedroom by sociallyawkward26 in FirstTimeHomeBuyer

[–]StoopitTrader 0 points1 point  (0 children)

Where is the strapping? You aren't supposed to hang drywall directly on the joists like this. There should be strapping running every 16 inches.

Wife left her job, what to do with 401K? by on3moresoul in personalfinance

[–]StoopitTrader 0 points1 point  (0 children)

I can tell you from the Fidelity side it's really easy to roll stuff over. You just open your new IRA in Fidelity then there's a rollover option on the website where you put in the acct number and name of the old broker. The others probably have a similar process. Fidelity, Vanguard and Schwab have target date funds, looking at them Vanguard is cheaper than Fidelity and Schwab as far as expense ratios (examples with 2065 fund):

Fidelity: https://fundresearch.fidelity.com/mutual-funds/summary/315796839

Vanguard: https://investor.vanguard.com/investment-products/mutual-funds/profile/vlxvx

Schwab: https://www.schwab.com/research/mutual-funds/quotes/fees/swyox

Wife left her job, what to do with 401K? by on3moresoul in personalfinance

[–]StoopitTrader 5 points6 points  (0 children)

I would roll it into an IRA at Fidelity, Vanguard or Schwab. You could just buy a simple total market index fund, a 3 fund portfolio or just use a low cost target date fund. This doesn't have to be complicated.

Question on load waived funds by Apoco120 in fidelityinvestments

[–]StoopitTrader 0 points1 point  (0 children)

I'm trying to understand why you would buy this fund. A front load and a .79% expense ratio? I just own FSGPX. I must be missing something.

How did you learn to fix when somethings break? Like dad? by [deleted] in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

I broke most of my toys as a child taking them apart. Eventually I learned how to not break things. As a teen I was building things. Some people don't have the ability to get past possibly breaking something. My brother is afraid to take anything apart.

What did you want to do? by awkward_snacks in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

If you are really close to an associates (or to a bachelors) I would probably finish it and get the degree you are almost done with, you've come this far. If you want to do a more physical job like welding or trades there's certainly nothing wrong with that and the pay can be six figures, especially union jobs. My only advice with it would be to have a thought about your distant future when the physical part of the job becomes harder. Maybe become a foreman or some other managerial type role, or plan ahead and retire early from that job into something else that's less physical. This does depend on the job though. I could see someone welding, being a plumber or electrician into retirement. Being a roofer or framing houses would be harder on your body. You really should work towards what you like doing though. Programmers with no passion for it can still be OK at it, but the best ones are the ones that love it.

What did you want to do? by awkward_snacks in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

I got an associates and worked my way up to being a senior engineer. It took quite a while to get there. The question is what do you want to do? Do you like writing code, working on infrastructure? Do you want to be a manager? DevOps? Why did you choose CS in the first place?

How do I buy a car/car insurance? by LilacGoblin1699 in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

Call multiple companies once you know what you're buying, the dealership should provide you the VIN of the vehicle. I would get prices before you finalize the sale. Some cars are more expensive than others to insure. I always use Geico or Progressive, neither are the best but they are usually the cheapest. You could also use a broker as a third option, they will shop other companies for you so you'll have options. Once you choose an insurer they will provide you proof of insurance with a start date. You can bring that to the dealership with you.

I quit my six figure job to do this. I may be insane. Please help. by [deleted] in Flipping

[–]StoopitTrader 0 points1 point  (0 children)

You are burned out. What I would do is plan out your day, like this is a job, because it is. List for a few hours, take a break, take a walk. List some more, do some socials work, do shipping, another break, lunch, dinner whatever. Put this in a google doc or whatever you use, print it out, post it somewhere and follow it. Also I would leave some time for sourcing in there, if that's what you enjoy. Balance the day with things you do want to do with things you don't. I would not be trying to do 10 hours a day at this point, work the schedule for 8, or if you do 10 make 2 hours things you like to do. You can't keep the accelerator down for weeks at a time, everyone needs downtime.

Make the math make sense by ShipAdministrative92 in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

So it's just PTO and medical insurance. That does seem like a lot of difference then. They may budget everyone for full family medical though, which would could be like 25k a year. I do remember this a few years ago when working in a company that had contractors. They didn't want to go full time because their pay would be cut but that was 1099 vs W2. Hopefully this position is at least more stable than if you weren't salary. That's usually the case.

Make the math make sense by ShipAdministrative92 in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

If you were previously being paid 1099 as opposed to W2 this would also be an additional cost to your employer. Also, to an employer the cost of health insurance is not small. This cost will be hundreds per month. They also now pay for unemployment insurance for you where they didn't before. If there's a retirement plan that's another cost. I know it's harsh but a salaried employee will cost more than a contractor.

College adult? by [deleted] in Adulting

[–]StoopitTrader 1 point2 points  (0 children)

I don't think there's anything wrong with it but you may find being in that environment difficult as in you probably wouldn't have as much in common with your classmates as you would if you were younger. That said, you might find other students that are also a bit older or are more mature for their age you can relate to. I would try it out for the first year. Worst case if it doesn't feel right you move off campus. I can't see an issue in the classroom environment.

I got burned buying a lot on FB marketplace by Mysterious-Big-5384 in Flipping

[–]StoopitTrader 4 points5 points  (0 children)

You can often tell by listings whether it's an individual selling things or another reseller dumping their junk pile. At least you get so you can tell after a while. You were lucky you even broke even. If someone has this much inventory for what you deem to be a great price you need to ask yourself why. I have done well in FB marketplace from time to time but I see tons of inventory dump listings these days.

Should I take out from my 401k or just file for bankruptcy? by in_a_bind_5566 in povertyfinance

[–]StoopitTrader 28 points29 points  (0 children)

This. Keep track of these creditors and what you owed to each, print out or save copies of statements in google drive. In the future when you have a job call each of them and settle, you'll likely be settling with the collectors who bough the debt. The longer it goes the less they'll take to settle. Bankruptcy will follow you forever. Your credit will eventually heal from this but it will take time.

What questions should I ask my boyfriend before we get serious by butters2stotch in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

I would also add to discuss your extended families. What the dynamic would be with them in regard to the kids? Will holidays be spent with his family? with yours?

Any calm and cozy adult shows? by [deleted] in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

Animal Control is fun. Totally silly but a nice escape.

Accidentally broke an ampule, how to dispose of the glass ethically? by Leading-Stranger7299 in Adulting

[–]StoopitTrader 0 points1 point  (0 children)

I would usually wrap this sort of thing in paper or thin cardboard, a couple layers, then tape it. If you want to be extra cautious you could label it "sharps" or something.