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Re: Brother-in-law w/ CC Debt

It never ceases to amaze me how many people on this board with gang up and say everyone should just pay their debts in full to Joe Schmoe Debt Collector. To each their own, but I do not find that the ethics of the situation are so cut and dry. I also wonder whether this is such a polarizing issue t...
by roymeo
Thu Oct 30, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 31
Views: 2850

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

That's good news, but I really wish they would raise the IRA limit, so I could put more into our Roths. Can someone explain to me why they aren't raising the IRA limit also? I'm sure there's a logical reason for it, I just don't get it. especially since they threw another $500 to 401(k) "catch...
by roymeo
Thu Oct 30, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7121

Re: Brother-in-law w/ CC Debt

Uncle Pennybags wrote:The OP's brother-in-law has been punished with a 500 FICO;


I didn't realize the credit score and data retention policies were considered a punishment system. I thought it merely reflected calculations based on recorded information.
by roymeo
Thu Oct 30, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 31
Views: 2850

Re: Getting more $ from employer by taking $$ive insurance

Depending on your industry, you may also want to consider who'll be paying for those $$ive benefits if an employee were to get laid off.

(And most employers ought to find it in their best interests not to provide incentives such as this.)
by roymeo
Thu Oct 30, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting more $ from employer by taking $$ive insurance
Replies: 5
Views: 440

Re: Brother-in-law w/ CC Debt

Whoa. I owe it to Apple to provide them profit on their new whizzbang, but when a lender bundles up a loan, I don't owe the buyer any profit. Or is it only when I'm a deadbeat and a BAD loan is sold that I don't owe anyone anything on it? Good thing mortgages are collateralized.
by roymeo
Thu Oct 30, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 31
Views: 2850

Re: VCR Head Cleaning

Is there any place to buy VCR head cleaner anymore? Do porn stores and head shops still carry it?
by roymeo
Thu Oct 23, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1027

Re: Fraud charges on CC again...

Don't waste your time worrying about it, other than to keep an eye on purchases charged as usual. Most likely the information is stolen online, though possibly not when you used it but through other systems. I've had 2 cards from the same company compromised in the same 2 week period and only one of...
by roymeo
Fri Oct 17, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1566

Re: Couch Surfing

Boy. I can't even tell anymore if that was even a horse when they got started.
by roymeo
Fri Oct 17, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5515

Re: lost cell phone

My cell phone always lives in my pocketbook except on the rare occasions it needs charging. My landline lives, well, where it lives. A tip of the hat to the battery in the Samsung, which has to be at least fifteen years old by now. Agreed: Assign a place where the phone goes on your body, in a purs...
by roymeo
Wed Oct 15, 2014 3:16 am
 
Forum: Personal Consumer Issues
Topic: lost cell phone
Replies: 6
Views: 742

Re: Help with relative's portfolio

I'd start with "what asset allocation is appropriate" vs. "how do I match what this adviser came up with".

Unless the adviser was really listening to or anticipating the relative's wants/needs, though you should end up with about the same number if the adviser was doing that.
by roymeo
Wed Oct 15, 2014 3:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with relative's portfolio
Replies: 2
Views: 221

Re: Headed for a 300+ point loss today?

The bottom of my right foot was tingling on my way to work this morning and I thought "If there's an earthquake, maybe I'll be able to convince myself that my tingling right foot was an indicator."
by roymeo
Wed Oct 15, 2014 1:17 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30536

Re: Couch Surfing

Couch surfing strikes me as a modern day gloss on hitchhiking. It may work well in the vast majority of circumstances, but there's certainly risk involved for both sides of the transaction. The fact that someone links to facebook or email to me is of little comfort given how easy it is to make and ...
by roymeo
Tue Oct 14, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5515

Re: Couch Surfing

My first thought is that the host (couch owner) is opening themself up to all sorts of liability issues. What if the guest slips and conks their head on a coffee table? Or scalds themselves on hot water from the shower or sink. But, whatever. Knock yourselves out! (But not literally! :) ) You do wh...
by roymeo
Thu Oct 09, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5515

Re: Why are my funds negative if stock market setting new hi

gtt561 wrote:The stock market is setting what seems like new highs every week,.


[^citation needed]
by roymeo
Wed Oct 08, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 2852

Re: Buffett Has 100% Equities in his Pensions Funds

Yet another investor (much smarter than the usual investor) who says it's ok to be 100% stocks. Who'd've thunk it? Not everyone has the risk tolerance of Warren. Who'd've thunk it? Right, which is why it's not right for some people but perfectly fine for others. Yet some on these boards will argue ...
by roymeo
Sat Oct 04, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett Has 100% Equities in his Pensions Funds
Replies: 39
Views: 2715

Re: Cast Iron Skillet Cooking

If you're interest in OUTDOOR cast iron cooking, you may want to check out the Outdoor Cast Iron Cook's videos on the subject: http://www.youtube.com/watch?v=-AbeLkUTePo is the introduction, http://www.youtube.com/outdoorcastironcook is the main page. We've been taking our cast iron to a teardrop tr...
by roymeo
Thu Oct 02, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 107
Views: 9557

Re: Need advice; Significant Student Loan Burden

Take a look at your student loans and how they're broken up. It looks like you may have a single loan, and she has at least 2. When I graduated I think I had something like 7 different accounts and each had a minimum payment which added up quickly. (I'm going to assume you're both looking at this al...
by roymeo
Wed Oct 01, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 23
Views: 1787

Re: Dave Ramsey says asset allocation does not work

Investing 100% in stocks is also an "asset allocation". But Dave Ramsey says "asset allocation" does not work. Dave Ramsey reccommends a 100% asset allocation, but it does not work. Does not compute. Does not compute. *smoke* Does not compute. *BZZZT* Remember, folks, the James T...
by roymeo
Wed Oct 01, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 86
Views: 7200

Re: Dan Wiener

I do now recall that Dan Wiener called out some crap fund(s) of Vanguard's for quite a while...anyone recall the fund(s) and story? I believe one fund was Vanguard US Growth fund. If I recall, he was critical of Vanguard Star fund because it bundles in US Growth fund as a sub-fund. Yes to both! Tha...
by roymeo
Wed Oct 01, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2672

Re: Dan Wiener

I do now recall that Dan Wiener called out some crap fund(s) of Vanguard's for quite a while...anyone recall the fund(s) and story?
by roymeo
Tue Sep 30, 2014 2:47 am
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2672

Re: Why don't you do Financial Planning?

For the same reason I don't go to the salon to get my hair washed--I don't need someone else to do it. I think we have a misunderstanding. I was referring to being a Financial Planner rather than going to one. :D DOH! OK, gotcha. Well, I'm a much better programmer than I am a barber, so I'll contin...
by roymeo
Tue Sep 23, 2014 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3338

Re: Why don't you do Financial Planning?

For the same reason I don't go to the salon to get my hair washed--I don't need someone else to do it.
by roymeo
Tue Sep 23, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3338

Re: Dan Wiener

He really does a good job making the novice think that he's got the answer and that you would be oh, so clever for following his strategy.
But I'm not sure that today I could deal with the barrage for anything less than 3% improved returns per year.
by roymeo
Tue Sep 23, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2672

Re: EJ Gadflies [Edward Jones]

Are you paying someone $300 to mow your lawn with organically raised goats and not doing a very good job but giving you something to talk about, or are you paying someone $30ish and achieving the end result you want from someone using a boring old regular lawn mower? Or are you paying someone $300 ...
by roymeo
Tue Sep 16, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6609

Re: EJ Gadflies [Edward Jones]

Your sympathizing with the wrong poster, the OP is who you should be sympathizing with. I merely made the observation that we should be giving the sales guy credit, for without perseverance, the fellow will not be able to put food on his table. Nor will he be making victims that later have to come ...
by roymeo
Mon Sep 15, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6609

Re: Socially Irresponsible Fund

If a large number of people prefer to hold "socially responsible" stocks, then it is possible that their prices will be out of whack with their fundamentals. This is analogous to the tendency that jobs generally considered unpleasant have to pay a premium wage. I'd rather suggest that if ...
by roymeo
Tue Sep 09, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Socially Irresponsible Fund
Replies: 16
Views: 1497

Re: Poll: Which iPhone 6?

I wouldn't even take one for free from my employer.
by roymeo
Tue Sep 09, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3228

Re: Are there any real total bond funds?

I'm pretty sure I was responding to you directly, but if by Universal you meant something other than the Barclays U.S. Universal Index please correct me. PJW I was riffing off of this: From Barclays: The U.S. Universal Index represents the union of the U.S. Aggregate Index, U.S. Corporate High Yiel...
by roymeo
Tue Sep 09, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3065

Re: Are there any real total bond funds?

... Shoot for Universal if you want broader, though you'll still need to figure out what non-US is in there and whether that's enough for your sense of completion. Is it non-US? Doesn't the fund speak of the US bond market ? Why wouldn't it include that which is included and trades in the US bond m...
by roymeo
Mon Sep 08, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3065

Re: Are there any real total bond funds?

It seems to come down to the traditional industry-wide naming scheme.

Total Bond = Investment Grade US bonds (30% corp, 70% govt).

Shoot for Universal if you want broader, though you'll still need to figure out what non-US is in there and whether that's enough for your sense of completion.
by roymeo
Sun Sep 07, 2014 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3065

Re: Good Modern Science Fiction

Everything I've read by Octavia Butler has been great. I've also enjoyed the big, epic (and possibly Space Opera, but generally harder sci-fi than Star Wars type space fantasy) stories of Dan Simmons, Alastair Reynolds, and Peter F. Hamilton.
by roymeo
Sun Sep 07, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 131
Views: 5994

Re: Own individual stocks? Advisor recommends 20% in blue ch

On the positive side, we've seen much, much worse cases of advice given by advisors. This is merely flawed advice.
by roymeo
Sat Sep 06, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2769

Re: Proper Way To Wear Suspenders

The "Proper Way To Wear Suspenders" is: In such a way that they hold up your pants. Without a belt is fashionable. Someone else mentioned the studs to add to pants, I know I've seen them in the Duluth Trading Co catalog, see page two: http://www.duluthtrading.com/search/searchresults/sites...
by roymeo
Fri Sep 05, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1995

Re: Costco:is it worth it for just two people?

The local Costco is always so crammed full of people that I can't spark any interest in going there to check it out in my SO.
by roymeo
Wed Sep 03, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12394

Re: Advice on *selling* a single gold bullion coin

For a rough estimate of the value, check out the Auctions with some bids on them on eBay: http://www.ebay.com/sch/i.html?_from=R40|R40|R40&_sacat=0&_nkw=1984+Olympic+10+Dollar+gold+coin BuyItNow and Auction without bid prices will give you a probable ceiling (that's what people hope stuff is...
by roymeo
Wed Sep 03, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Advice on *selling* a single gold bullion coin
Replies: 4
Views: 547

Re: An inefficient market creating drag on index returns

How would you resolve the Zynga problem? (Or conversely, the Kodak problem?) When a new stock joins (or leaves) an index, if your goal is owning a close approximation to that index, aren't you stuck with either some sort of purchase(sale) or allowing your portfolio to drift away from the actual inde...
by roymeo
Tue Sep 02, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: An inefficient market creating drag on index returns
Replies: 54
Views: 3921

Re: Kaiser vs Blue Shield

At Kaiser it is five minutes to review the medical record, five minutes with the patient, and five minutes to write things up, order tests, etc. If you want to ask questions, you are basically out of luck. Additionally, if you want to ask questions via email you are really out of luck. That has not...
by roymeo
Wed Aug 27, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5825

Re: Zegna Suits

I'd skip it and just go for a Zentai suit. http://www.amazon.com/exec/obidos/ASIN/B007IEGHOY/aoeusthaoeusntd-20 http://www.amazon.com/exec/obidos/ASIN/B00BL74OP8/aoeusthaoeusntd-20 http://www.amazon.com/exec/obidos/ASIN/B0081UB0CS/aoeusthaoeusntd-20 these are for KIDS!!!!, but if they had my size I...
by roymeo
Wed Aug 27, 2014 2:23 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9873

Re: Kaiser vs Blue Shield

I've only read the original question, not the commentary. I think KP has some bad reviews from 15+ years ago but I've not really heard anything bad about them recently. My family has been with KP in theSF Bay Area for over 6 years. For some reason we feel good about KP, even after we did end up payi...
by roymeo
Wed Aug 27, 2014 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5825

Re: Portfolio Help from Newbie

Your investments aren't 'in one company', they are invested in a whole bunch of companies by the fact that they're invested in mutual funds. Another advantage with Vanguard is it's unique structure which makes Vanguard a subsidiary of the various mutual funds. This question has come up before: http:...
by roymeo
Tue Aug 26, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help from Newbie
Replies: 7
Views: 1127

Re: Leaving Ameriprise

Congratulations!
by roymeo
Tue Aug 26, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1115

Re: How I beat Indexing... in 1 hour

5) Regarding ILMN, anyone with a dial-up AOL connection could see where this going: From 2012: http://www.bloomberg.com/news/2012-04-02/illumina-rejects-roche-s-increased-takeover-offer-of-51-a-share.html I bought at $45/share, bought out at $73. The buyout was not reflected in the price when I pur...
by roymeo
Tue Aug 26, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 71
Views: 11879

Re: strategy to get brokerage bonuses

hmw wrote:What kind of taxes do you pay on this transfer bonuses? I asked TDAmeritrade a few months ago, and was told that it was not reported if it is less than $600.


You still owe taxes on a gain that isn't reported.
by roymeo
Tue Aug 26, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 54
Views: 3856

Re: Is it me, or are "collectibles" worthless in 2014?

One would expect this from a more efficient market. Not only is eBay itself reaching a far wider audience (even in just the US) as the internet penetration has increased (none of my HS class found any of the main social networks before Facebook) but all the various internal/external tools to check w...
by roymeo
Mon Aug 25, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6541

Re: My Wife's 401k is expensive.

Your wife's 401(k) is more expensive than some, less expensive than others. When I was working as a contracted employee for a major company, the contracting company had a 401(k) after you'd worked 6 months. I guess they had enough people that might work short stretches that they didn't want everyone...
by roymeo
Mon Aug 25, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1510

Re: GMail successfully hacked 92% of the time

Comment on the second one: "You missed the part where the attacker would need physical access to the device, and have to disable three different safety settings nobody ever touches." proper headline: "Zero-day discovered by researchers, details given to developers of vulnerable softwa...
by roymeo
Mon Aug 25, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2061

Re: Bankrolled Her Brother, Regrets It (article)

The especially weird part to me is the bit where they're using the mutual church as a front for this giving...Apparently they think the brother and wife are 'just struggling' and more money will solve it. Longtime readers of this board know that in many cases you can't expect people to change their ...
by roymeo
Mon Aug 18, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Bankrolled Her Brother, Regrets It (article)
Replies: 24
Views: 4000

Re: Would you buy these funds that were recommended?

Don't worry, that terrible feeling in your gut will go away and by paying attention here, reading some of the wiki and/or (generally easy to read) recommended books, you'll be immune to being taken by this sort of salespeople in the future. And better than many of us on this board, you'll have 'figu...
by roymeo
Mon Aug 18, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1565

Re: Help with Salary Negotiation (Bay Area)

The rule of thumb is that whomever mentions an initial salary loses. If it's the employee, it sets a ceiling; if it's the employer, it sets a floor. I think it's a much less of a loss for the employer, at least if the employer is the type that wants to pay people what they're worth and not have the...
by roymeo
Fri Aug 15, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Salary Negotiation (Bay Area)
Replies: 13
Views: 1334
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