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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: 3663

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: 21
Views: 933

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: 1229

Re: MFA and MLPs

Cart. Horse. Your mother has a bunch of money and needs to figure out what to do with it. "Do with it" should start with figuring out her needs for income & growth and risk. Once you're sure you've figured out the things that will allow the wise choice of investments, start worrying ab...
by roymeo
Wed Aug 13, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: MFA and MLPs [Master Limited Partnerships]
Replies: 11
Views: 576

Re: Help!! Can some one explain tax loss harvesting

The "harvesting" part means that someone may look at their taxable portfolio and say "Wow, this stock or fund has gone down a lot and I have a loss." Then we have a split depending on the case: "I really regret owning this in the first place, now is a good time to sell it an...
by roymeo
Tue Aug 12, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help!! Can some one explain tax loss harvesting
Replies: 16
Views: 1037

Re: Offsetting capital gains tax on sale of an asset?

This is a self-employment job this is not an investment. Long/Short Term Capital Gains do not apply here. Any of the various tax products should walk you through your profit/loss, deductions, etc. If you're making very much from this you also may need to file estimated taxes.
by roymeo
Tue Aug 12, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Offsetting capital gains tax on sale of an asset?
Replies: 4
Views: 449

Re: Telephone Calls! Help! [Telemarketing phone calls]

And remember: The Do-Not-Call registry does not prevent all unwanted calls. It does not cover the following: [*] calls from organizations with which you have established a business relationship; [*] calls for which you have given prior written permission; [*] calls which are not commercial or do not...
by roymeo
Tue Aug 12, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5704

Re: Newly Minted Boglehead - Several Questions.

You can also rebalance by tweaking your new contribution allocation for your 401(k) and/or when choosing what funds to put Roth IRA money into.
by roymeo
Mon Aug 11, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Minted Boglehead - Several Questions.
Replies: 8
Views: 1075

Re: U.S. stocks in freefall

Or maybe they're just adding several 2 & 3% drops they vaguely remember together.
by roymeo
Fri Aug 08, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 134847

Re: Was ready to pull plug on Janus..until

The story of Janus. http://www.wikinvest.com/stock/Janus_Capital_Group_%28JNS%29 Paul Wait, so 2014 - 8 years = 2006... that year appears in that article several times as the end of capital flight and the beginning of their recovery. With hindsight, that would be an excellent time to have invested,...
by roymeo
Wed Jul 30, 2014 2:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 4011

Re: Wise to split $$ between Vanguard and advisor?

[Sarcasm (which was nullified by the further clarification below) redacted.]
by roymeo
Tue Jul 29, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2287

Re: Was ready to pull plug on Janus..until

edit to add that this was started before your last post...hopefully it still is helpful. I get you have to compare apples to apples, but I'm trying to justify the move to Vanguard total stock market index when the funds I'm currently in have outperformed over an 8 year period. I chose 8 because that...
by roymeo
Tue Jul 29, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 4011

Re: Initial Roth IRA Contribution (Vanguard)

Don't sweat it too much. Right now your new donations, when you can make them, are such a large percentage of your overall portfolio especially compared to the amount the market tends to move, that I'd recommend something like your option 2. Set your Roth IRA to something solid and leave it alone, s...
by roymeo
Fri Jul 25, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Initial Roth IRA Contribution (Vanguard)
Replies: 3
Views: 396

Re: Rich Spouse, Poor Spouse [Tax filing apportionment]

I think the first time the OP suggested that others start their own thread, it was about the 'one-pot' solution. The OP is not interested in a discussion about the relative merits of joined vs. separate finances. Some people start a thread and think they own it and can set rules for everyone else. ...
by roymeo
Fri Jul 25, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5671

Re: Rich Spouse, Poor Spouse [Tax filing apportionment]

You've had a lot of suggestions on how to apportion...now comes the hard part: you'll both have to agree on one method.
by roymeo
Fri Jul 25, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5671

Re: Where is your brokerage account?

"Where is your brokerage account?"

"I don't know...is it missing?"

(Don't have one, no need.)
by roymeo
Fri Jul 25, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2687

Re: Need advice re hearing aid for small child

Though I have never had the occasion to do it, I think learning sign language along with a child would be a cool thing to do. Good call. My wife and I took a year of ASL together and find it helpful in many situations. There's plenty of opportunities for hearing people to use sign, and it's pointle...
by roymeo
Wed Jul 23, 2014 2:56 am
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1339

Re: Need advice re hearing aid for small child

Please seek advice only from a qualified healthcare professional. The deaf community isn't always happy with how hearing loss has been problemitized in a way that is solved by (often crude) medical intervention. I think it's perfectly sane to ask strangers on the internet "How much of a PitA w...
by roymeo
Tue Jul 22, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1339

Re: Need advice re hearing aid for small child

I've always had complete* hearing loss in one ear, the other was fine** and my solution growing up was almost entirely just to make sure my teachers sat me on the correct side of the room (front or back made much less difference than left or right). Friends and partners are eventually trained to wal...
by roymeo
Tue Jul 22, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1339

Re: Hearing Aids

That sounds like a pretty inflated price...my Phonak pair were about half that total and a pretty high-end pair ttbomk. Maybe that's the "$500 toilet seat" military price.
by roymeo
Sun Jul 20, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6272

Re: Boglehead Beer

Guinness in Ireland, here it just isn't the same. It's not the same because the Guinness that's sold in bottles/cans in the US is "Imported!"—from Toronto or New Brunswick (neither of which are in Ireland :( ) Only the draught is brewed in Dublin. I think you're mixing some history into t...
by roymeo
Sat Jul 19, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47669

Re: 2 days in San Francisco

Beth* wrote:Another good walk is through Mission Dolores Park (great view from the top) to the Noe Valley neighborhood.


Though part of the park is currently under construction: http://sfrecpark.org/destination/mission-dolores-park/
by roymeo
Fri Jul 18, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 1711

Re: Just retired...any reason to move 401K to IRA?

Aside from any other reasons, evaluate the size and health of the company and how likely they are to keep their current 401(k) plan in place. It can be annoying when they change providers in 10 years and roll you into something less desirable.
by roymeo
Fri Jul 18, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Just retired...any reason to move 401K to IRA?
Replies: 50
Views: 5066

Re: POLL: Walmart vs Amazon

Mine was a generic reference to chat pop-ups, but let me do the experiment for you. I'll be back after spending 10 hours on each site, but I first have to finish cooking lunch for my granddaughters, and what will I do about all my Chinese soap opera and bogleheads time? If I were you, I wouldn't ho...
by roymeo
Wed Jul 16, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8465

Re: POLL: Walmart vs Amazon

sscritic wrote:I hate chat, especially when you are just browsing a website and some intrusive pop up pops up and asks if you want to chat and you have to make it go away so you can see what you want to see. Talk about annoying!


Does this happen on Amazon or Walmart.com?
by roymeo
Wed Jul 16, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8465

Re: POLL: Walmart vs Amazon

Walmart keeps prices low--sometimes by squeezing manufacturers to give them a cheaper product. Kodak would produce a different digital camera box for Walmart with different/lesser stuff in it to make the margins, but couldn't make that evident to any but the most attentive consumer. Smaller SD card,...
by roymeo
Wed Jul 16, 2014 1:32 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8465

Re: Help with fund picks for a new guy.

The risk-weighted return of a portfolio with some bonds, plus the ability to rebalance when one is down and other is up are the benefits of not being 100% stock.

Being 100% stock isn't being hard-core; being 100% stock may be merely naive.
by roymeo
Tue Jul 15, 2014 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fund picks for a new guy.
Replies: 19
Views: 1803

Re: boglehead botanists...is this poison ivy?

+1 for Nettle. (Try making some tea out of it.) When you hit a nettle with bare skin you pretty much know it immediately, because it has stingers that activate. Poison Oak/Ivy tends to be something you discover over time and then try to figure out where you may have gotten the oils so you can clean ...
by roymeo
Tue Jul 15, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2483

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

The first several questions I have are: Legally: Does it matter whether he declares bankruptcy, flees the country, just stops making payments out of stubbornness, or suffers an injury, etc. as my understanding is that you co-sign so they come after you for the money when he turns dead-beat. Unless n...
by roymeo
Tue Jul 15, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7747

Re: List of Worst financial advice (what not to do):

Here's some old bad advice: Bury your talent in the ground because you're afraid you'll lose it.
by roymeo
Thu Jul 10, 2014 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16234

Re: Boglehead Beer

BruDude wrote:That's fine, but it tastes nothing like a wheat beer and 100% like an IPA.


Tastes like a hoppy wheat beer to me, and stylistically similar to Bell's Oberon and 3Floyds Gumball Head.

But I can see how the traditional yeast/hop profile of a hefe can get conflated with what 'wheat' means.
by roymeo
Thu Jul 10, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47669

Re: Boglehead Beer

psychoslowmatic wrote:Right now my personal favorite is Lagunitas' Little Sumpin Sumpin. A great West Coast IPA.


American Wheat. (Like Bell Oberon, or Three Floyds Gumball Head.)
by roymeo
Wed Jul 09, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47669

Re: Boglehead Beer

I also got lucky last week and found some Dogfish Head 120 Minute IPA. Unfortunately, it's $10/bottle so I only bought two and will save them for when my son is born. I was in one of my local brewpubs and heard a couple of people discussing beer and in discussion of some other beer referenced "...
by roymeo
Mon Jul 07, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47669

Re:

I think a tiny house would be fun - if you lived in a safe town, close to the library, appropriate (for me) church, park, art galleries, movie house, etc. For me, the house would have to located in a culturally rich locality; thus, the wealth of place would be reflected in the myriad interesting pe...
by roymeo
Mon Jul 07, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15912

Re: POLL: How Old is Your Newest Motor Vehicle?

Need "None owned" option.
by roymeo
Mon Jul 07, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2444

Re: Boglehead Beer

I also got lucky last week and found some Dogfish Head 120 Minute IPA. Unfortunately, it's $10/bottle so I only bought two and will save them for when my son is born. I was in one of my local brewpubs and heard a couple of people discussing beer and in discussion of some other beer referenced "...
by roymeo
Mon Jul 07, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47669

Re: leaving big company to join small one

What makes you think that "BigSoftware Company" only looks good on your resume if you're actively working at it when you apply for a new job?

I give more weight to software-related resumes where people haven't been coasting at the same company for 8+ years, personally.
by roymeo
Thu Jun 26, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: leaving big company to join small one
Replies: 22
Views: 1901

Re: Keeping mold out of bath/shower

The vinegar/dishsoap mix would be bad for marble, etc. that are damaged by acids. I've seen it recommended for general shower cleaning on one of those listicle clickbait sites. I did hear an interview with a "how to clean anything" expert which may also apply on this topic: When people hav...
by roymeo
Wed Jun 25, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2288

Re: Keeping mold out of bath/shower

Get one of those dish-wands with the scrubby head and fill with 1/2 dish-soap and 1/2 vinegar. Use that to scrub. It's easy enough you can hit it much more regularly.
by roymeo
Wed Jun 25, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2288

Re: A day in Dachau?

Follow it up with a trip to Manzanar if you're looking for a bit of guilt a little closer to home?
http://www.nps.gov/manz/index.htm
by roymeo
Tue Jun 24, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2785

Re: Personal Life subforum?

Only as a place for the moderators to throw the Diamond, Wedding, Watch threads. If you try to post a new message in the forum, it should pop up one of several random messages: "Isn't there a park somewhere you should be sitting in?", "Why don't you go buy flowers (or some other thoug...
by roymeo
Tue Jun 17, 2014 6:33 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4921

Re: How to Charge a Smartphone in Car

http://www.amazon.com/gp/product/B00DAGJ8PO/ref=oh_details_o01_s00_i00?ie=UTF8&psc=1 I paid less than $5 for this. It charges 2 phones at once, and I haven't had any issues where it delivers too little power. Although if you have 2 phones operating simultaneously rather than just charging, you ...
by roymeo
Tue Jun 17, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: How to Charge a Smartphone in Car
Replies: 12
Views: 726

Re: GoDaddy - Any better options for website hosting?

I use Dreamhost, and I like them so much I won't even try to get a kickback for recommending them. (though let me know if you want to, I'm sure there's some sort of discount in it for you.)
by roymeo
Mon Jun 16, 2014 3:08 am
 
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 21
Views: 3191

Re: WATCH BATTERY replacement gone bad. What to do???

Near retirement wrote:
roymeo wrote:What's the voltage read on the battery?


How would I determine the voltage read, Roymeo?


Multimeter. Doesn't everyone have one? (If the battery is completely dead you KNOW they haven't been honest.)
by roymeo
Mon Jun 16, 2014 3:05 am
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1128

Re: WATCH BATTERY replacement gone bad. What to do???

What's the voltage read on the battery?
by roymeo
Sun Jun 15, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1128

Re: Legal? [Employer Paid Time-Off to Flexible Vacation Poli

Many of the (large?) tech companies pushed PTO off the books during the downturn. In some cases they had quarterly 'breaks' that either burnt PTO or went unpaid if an employee didn't have a large PTO bank. After a year or two of burning up the backlog on the books many instituted more strict carryov...
by roymeo
Sat Jun 14, 2014 1:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Legal? [Employer Paid Time-Off to Flexible Vacation Policy]
Replies: 27
Views: 2245

Re: If chasing market performance is bad...

If some investors are reliably below average, then some must be reliably above average. That's just how the math works out. Let's think that through: If some lottery players are reliably never winners, does this really mean that some lottery players are _reliably_ often winners? Just because some p...
by roymeo
Thu Jun 12, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4823

Re: "The Low-Cost Fund Arms Race"

HUGE thanks to Taylor for providing some context/excerpts from the story which tells me why I might want to take a look instead of just a (lame) bald link.
by roymeo
Wed Jun 11, 2014 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: "The Low-Cost Fund Arms Race"
Replies: 8
Views: 1224

Re: Amazon prime - how to get the best out of it?

Subscribe & Save is available to everyone, no Prime required.
by roymeo
Mon Jun 02, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5193

Re: How much $ savings needed to change car insurance compan

What's this magic 'service' thing that I'm missing by using Geico? Have you much claims experience? That's what I meant by "had to use", which wasn't very clear in my original and self-quoted post, I suppose. Though I don't get into that many accidents so I had to span 25 years of driving...
by roymeo
Mon Jun 02, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $ savings needed to change car insurance companies?
Replies: 29
Views: 2035
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