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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: 1660

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: 37
Views: 3585

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: 2466

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: 2466

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: 3221

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: 3221

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: 2466

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: 6172

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: 6172

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: 1482

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: 3031

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: 2954

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: 2954

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: 2954

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: 129
Views: 5386

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: 2663

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: 1893

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: 11858

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: 545

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: 3756

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: 5613

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: 9551

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: 5613

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: 1066

Re: Leaving Ameriprise

Congratulations!
by roymeo
Tue Aug 26, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1107

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: 69
Views: 10822

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: 3718

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: 6273

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: 1493

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: 2031

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: 3959

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: 1530

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: 1303

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: 613

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: 1084

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: 461

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! [Stopping telemarketing calls]
Replies: 105
Views: 7243

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: 1093

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: 834
Views: 138923

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: 4098

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: 2340

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: 4098

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: 407

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: 5797

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: 5797

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: 2738

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: 1383

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: 1383

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: 1383
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