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by roymeo
Thu May 14, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 916

Re: Notary for 401k rollover?

It may be strange.

It is not uncommon.
by roymeo
Thu May 07, 2015 3:11 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 3332

Re: What's new and changed in phpBB 3.1

All threads looking new has now been resolved.
by roymeo
Tue May 05, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 916

Re: Notary for 401k rollover?

I've hit that before, too. It's a plan requirement, not a IRS one.
by roymeo
Tue May 05, 2015 8:06 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 3332

Re: What happened to "view your posts" button?

And why are all the threads marked new and re-marked new after stepping into them? (I logged out and back in and have cleared my cache to cure the font problem.)
by roymeo
Fri Apr 24, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2127

Re: My PC is driving me nuts.

It sounds like you have some sort of malware which is affecting your machine. I'm a savvy programmer-type and I somehow ended up with one of those several years ago. It's not a lot of fun to remove.

Start with malwarebytes and see what it finds and see if it can clean up the problem.

roymeo
by roymeo
Fri Apr 24, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 108
Views: 7361

Re: [What is safest vehicle on the road today that I can buy

Safest for the people inside the car, or for everyone?

What kind of driving? Sticking at or below the speed limit and safe for current conditions, or driving like a normal person that considers 10 over just fine?
by roymeo
Mon Apr 20, 2015 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4855

Re: Paying for GFs school - any way to help myself?

Have to add that to the James T Kirk Method of Home Repair: "I'm providing financial support to a woman. She is not my wife. Computer! I am providing financial support to a woman! She is not my wife!" DOES NOT COMPUTE DOES NOT COMPUTE DOES NOT COMPUTE *smoke billows* There can be financial...
by roymeo
Mon Apr 20, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249583

Re: U.S. stocks in freefall

I don't even remember which website I used to use to check 'how the market is doing'...I'm not in it for a day gain/loss, so I don't pay attention to those 'today's results' things, just skip that page in the Espresso app, etc.
by roymeo
Mon Apr 13, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4709

Re: How should I name my home Wi-Fi network?

I knew my neighbor with the passwordless SSID knew what he was doing and wouldn't mind someone borrowing some internet when I saw: AssClown.
by roymeo
Fri Apr 10, 2015 6:05 pm
Forum: Investing - Theory, News & General
Topic: One percent can mean a lot... (article)
Replies: 7
Views: 1970

Re: One percent can mean a lot... (article)

Yeah, I bet they've noticed how quickly taking 1% every year really adds up.
by roymeo
Wed Apr 08, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 3459

Re: Am I justified in being angry with executor?

Sounds like the message here is "Be kind, divest of random real-estate holdings before you die if at all possible."
by roymeo
Tue Apr 07, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 512
Views: 77589

Re: Boglehead Beer

LadyGeek wrote:Update: It seems we missed New Beer's Eve (April 6).


Untappd didn't give me a badge for the beer I had yesterday, thus it's not a real holiday. :)
by roymeo
Mon Apr 06, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 14103

Re: Family member asking for money

Always difficult topic. It turns out that even when you do gift someone money, you still can't fix all their bad decisions. If you can afford it both financially and mind-your-own-business-ally and it makes you feel good to do it, go ahead. If it'll drive you crazy to see someone you lent money to p...
by roymeo
Mon Apr 06, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12740

Re: Good Modern Science Fiction

Looks like more than one group is interested in spinning the Hugos.
by roymeo
Fri Mar 13, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3739

Re: An arm and a leg ... for a middle finger?

gatorking wrote:Massachusetts has passed a price transparency law that requires doctors to provide cost estimates.
http://blog.massmed.org/index.php/2014/ ... -patients/


Well, that's fine for Massachusetts. Harrumph.
by roymeo
Thu Mar 12, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3697

Re: BEWARE-Dell Computer Tech Service

It sounds like we're pretty sure tech support deleted the account, but I've never had tech support create test accounts like that... I'm going to have to try that next time I'm working on my parents/in-laws computers and screw up: *Deletes the wrong files while 'cleaning up'* *Spills beer in air inl...
by roymeo
Wed Mar 11, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 3496

Re: Trip to Mexico

I wonder what the Venn diagram for "terrified of Mexico" and "terrified of AirBnB" looks like. I have no doubt that the odds are in his favor to return home with his family in one piece, but I am continuously astounded at the level of naiveté we Americans display in some of our ...
by roymeo
Tue Mar 10, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3697

Re: BEWARE-Dell Computer Tech Service (India)

What was the username of that second account?

Was there an actual user using the account? How did they get access to your machine?
by roymeo
Tue Mar 10, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 3496

Re: Trip to Mexico

I wonder what the Venn diagram for "terrified of Mexico" and "terrified of AirBnB" looks like.
by roymeo
Sun Feb 22, 2015 2:19 am
Forum: Investing - Theory, News & General
Topic: Worst case scenario
Replies: 16
Views: 1971

Re: Worst case scenario

Worst case scenario: the market drops a lot and you sell in a panic.

Gains and losses can only happen when you sell, the rest is a predicted value. (Especially when discussing funds rather than individual stocks which could become worthless due to bankruptcy.)
by roymeo
Wed Feb 11, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 12463

Re: Food of the Fifties

No one's mentioned the Gallery of Regrettable Food yet?
http://www.lileks.com/institute/gallery/
by roymeo
Fri Feb 06, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3596

Re: TurboTax turns off all state efiling to prevent fraud

1) Come up with a solution.
2) Get all the states to accept the solution.

repeat as necessary.
by roymeo
Fri Feb 06, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3596

State Tax Return fraud?

This sounds more like state returns don't have much security...but hey, shake your tiny internet fists at the IRS if that's what you need to do.
by roymeo
Wed Feb 04, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6765

Re: POLL: Do you personally own a cell phone?

Funny (but true) story. I go into the local AT&T store,... Still looking for that "emergencies only" no gimmicks cell phone. Any ideas would be appreciated. Don't need movies, don't need photos, don't want to be charged for spam. Am I delusional? There's a reason that all those stripm...
by roymeo
Wed Jan 28, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: traditional v. roth IRA
Replies: 12
Views: 987

Re: traditional v. roth IRA

In your situation, I have a hard time figuring out why anyone would want a traditional IRA. I would be so upset knowing that all of my contributions and GROWTH would be getting taxed. If I invested for 20 years and made 8% interest on my funds, I'm going to have a nice pile of cash sitting there fo...
by roymeo
Mon Jan 26, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12740

Re: Good Modern Science Fiction

I read the short story "Wool" and it left me cold. It didn't make sense-- why would the powers that be give the window-cleaners helmets with phony virtual images for any other reason than to produce an ironic ending? Not that there weren't plenty of 1960s stories like that, too. Not too b...
by roymeo
Wed Jan 21, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 512
Views: 77589

Re: Boglehead Beer

See ya on Untappd!
by roymeo
Mon Jan 12, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 25
Views: 2781

Re: Getting out of Edward Jones ...

Wow, what's the theory behind their investments? Do Not Look At The Man Behind The Curtain?
by roymeo
Mon Jan 12, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Keeping CC Receipts
Replies: 45
Views: 3903

Re: Keeping CC Receipts

While the two thermal-printed receipts may not be 'identical' copies of each other, they work for the CC companies in a dispute. I've had a pretty strange number come through before (probably user error, not malicious waitron activity) and told the dispute form that I had my receipt when asked and e...
by roymeo
Mon Jan 12, 2015 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 5204

Re: Need help informing my father he is making a mistake

Different families have different ways of dealing with money....while it's appropriate to point that out so people are examining whether this is an 'open' topic in their family, there's such a variance between different families that the absolutists of any opinion tend to overdo it.
by roymeo
Sun Jan 11, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2890

Re: Please Help Pick a VOYA 401k fund

retiredjg wrote:
thethinker wrote:This is wonderful news, thank you. And why did you suggest $18k in an earlier post? Is that the max that can be funded into a jobs 401k based on my wife's income? Thanks again

Yes, the limit this year is $18k.

Annual contribution limit for 2015, that is.
by roymeo
Sat Jan 10, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2890

Re: Please Help Pick a VOYA 401k fund

Mostly chiming in with everyone else.... Yes it's worth the match. I don't know about DFA, but if it's in the 401(k), I assume it's the same as anything else on the menu. I'd avoid the Voya Fixed for a stock account. Yes, go at least for the match, you're really over emphasizing the expense vs. the ...
by roymeo
Fri Jan 09, 2015 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) elections
Replies: 14
Views: 1236

Re: 401(k) elections

Do a bit of reading on the wiki...you'll want to consider everything you're investing for retirement as one big investment that just happens to be in several different accounts. Also consider the tax-efficiency placement so you're not paying more in taxes for holding a certain fund in your taxable a...
by roymeo
Fri Jan 09, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) elections
Replies: 14
Views: 1236

Re: 401(k) elections

Your question is pretty well put together, but I'm not entirely sure you've read the Asking Portfolio Questions wiki: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 The reason I say that is that I'm not sure that you're considering your entire retirement portfolio as a whole rather th...
by roymeo
Fri Jan 09, 2015 5:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249583

Re: U.S. stocks in freefall

The stocks are in a free sine wave-like pattern: they freely sin but do not fall . (A new spin on a financial porn.) Victoria Can someone please "cosine" Victoria's hypothesis? I need validation before making any new lines in a market this "tricker-numeratry"... I really wish yo...
by roymeo
Mon Dec 29, 2014 4:51 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 942
Views: 191945

Re: Best watch for around $5,000?

I've been noticing that many of the high-end components com from Swatch: 2/16/2013: http://www.economist.com/news/business/21571943-industry-ripe-shake-up-time-money 6/7/2014 New movements: http://www.economist.com/news/technology-quarterly/21603232-horology-mechanical-watches-are-leaving-their-digi...
by roymeo
Fri Dec 26, 2014 4:03 pm
Forum: Personal Consumer Issues
Topic: Android smart phone technical question
Replies: 2
Views: 624

Re: Android smart phone technical question

depends on the apps. if they use or can play from the Downloads folder, you'll see it/them there with the Downloads app, and should probably be able to select and play with the app of your choice from there. But they each may only use their own cache, which is going to require separate copies.
by roymeo
Tue Dec 23, 2014 3:15 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 512
Views: 77589

Re: Boglehead Beer

Sierra Nevada Celebration Fresh Hop IPA. I usually despise hoppy beers, way too astringent. So the boyfriend brings this home last night, expecting he would have it all to himself. I took a taste....I think I saw the face of god! Fresh hops, who knew? Totally different, delightful. Can't wait for a...
by roymeo
Mon Dec 22, 2014 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 4020

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

That's a pretty low bar for 'insane'...I've seen worse ER-add-ons. The size of the full employee 'pot' of investments also influences how much leverage you have to drive down fees. With a 1 year wait to even get in, I'd guess it's a pretty small pot. And each employer can end up with a different set...
by roymeo
Mon Dec 22, 2014 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Move T-IRA(NOT rollover) funds into company's 401K
Replies: 4
Views: 517

you can do it (maybe)

I had typed out a "No" answer and then googled it and the second non-ad link from 8 months ago says you can (if the plan is of the 69% that allow it): http://www.reuters.com/article/2014/04/09/column-stern-advice-idUSL2N0N01U420140409 And this IRS chart from 1 month ago says so, too: http:...
by roymeo
Wed Dec 17, 2014 3:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249583

Re: U.S. stocks in freefall

Why do we keep digging up this old dog? Long threads strengthen the sense of community. That's what Ariadne said. Based on Wikipedia, Ariadne had a strong record in mazes and labyrinths. She's be a valuable contributor to this community. Victoria I found I had just as good a chance getting out of h...
by roymeo
Fri Dec 12, 2014 6:33 pm
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 6034

Re: You folks think the big one is coming?

Why, has Redd Foxx said it is coming?
by roymeo
Tue Nov 25, 2014 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14247

Re: Girlfriend with a LOT of Student debt.

So how do you tell all this to someone.... How do you crush her dreams of seeing Italy after hearing how badly she wants to go? Someone needs to, but is that someone to be her boyfriend of only 7 months? As Robyn Hitchcock sang on "I Often Dream of Trains": ... Uncorrected personality tra...
by roymeo
Sat Nov 22, 2014 10:17 pm
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6765

Re: POLL: Do you personally own a cell phone?

You didn't ask how many.
by roymeo
Sat Nov 22, 2014 10:16 pm
Forum: Investing - Theory, News & General
Topic: Making money/career in Trading
Replies: 25
Views: 2795

Re: Making money/career in Trading

If I were a financial services salesman, I'd frequent places where people made 'quick' money and tell them that their skills would transfer over to services that I might be able to help them out with.

Here's my card.
by roymeo
Tue Nov 18, 2014 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 6171

Re: Credit Card Fraud - Need Advice

Wow, I've never had that sort of problem with any of my fraudulent purchases, either. (Average 1 every couple of years.) I'd take a firmer stand with BofA+Walmart. That is obviously not your/partner's signature, they need to prove that you made the purchase rather than you need to prove that you don...
by roymeo
Tue Nov 18, 2014 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 4640

Re: Investing in Chocolate? New to all of this.. need help.

Roymeo, thank you, I see what you are inferring by showing both sides of the coin. But again, is the logic you are stating based on the fact that we just don't know and it's better to spread the risk out over many markets rather than pick an individual market and "hope you are right"? How...
by roymeo
Tue Nov 18, 2014 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Quit Cobra to go on Obamacare?
Replies: 23
Views: 3312

Re: Quit Cobra to go on Obamacare?

I chose to go private insurance rather than continuing my COBRA coverage. I didn't 'go on Obamacare' as far as I'm concerned, because I get no subsidy, though I did shop it and eventually buy it via my state's health care marketplace site (CoveredCA). The gold-plated company health care which I was ...

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