Search found 1020 matches

Return to advanced search

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
Tue Nov 25, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12770

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

You didn't ask how many.
by roymeo
Sat Nov 22, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2764

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
Sat Nov 22, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Making money/career in Trading
Replies: 25
Views: 2355

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 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2821

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 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 2414

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 ...
by roymeo
Tue Nov 18, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit Cobra to go on Obamacare?
Replies: 23
Views: 2865

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

Which makes a sexier set of headlines: "Cocao futures unpredictable" "Not much change in Chocolate markets" "I we extend trends which makes things worse without extending trends that make things better, there could be less chocolate in the future." or: "Is a chocol...
by roymeo
Mon Nov 17, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 2414

Re: Chip and Pin: busted by hackers before it's even here

Dutch wrote:How close do these hackers have to be? I guess I'll start worrying about it when total strangers start rubbing my pockets with scanners.


Some people would pay extra for that.
by roymeo
Thu Nov 13, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1494

Re: ObamaCare vs. Private Insurance??

It certainly was easier to use the CoveredCA site to compare and select insurance to get off my overly expensive COBRA earlier this year than the flailing I went through when trying to find insurance in upstate NY 10ish years ago where I eventually gave up and risked it for 4 years. I (and my partne...
by roymeo
Wed Nov 12, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 10098

Re: Headed for a 300+ point loss today?

I did notice that the thread was pretty silent back there when my weekend Quicken update showed I was back up near the last (recorded) peak again...
by roymeo
Tue Nov 04, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34394

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 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 40
Views: 4547

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 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7489

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 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 40
Views: 4547

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 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting more $ from employer by taking $$ive insurance
Replies: 7
Views: 888

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 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 40
Views: 4547

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 9:27 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1051

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 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1594

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 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5895

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 2:16 am
 
Forum: Personal Consumer Issues
Topic: lost cell phone
Replies: 6
Views: 759

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 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with relative's portfolio
Replies: 2
Views: 224

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 12:17 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34394

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 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5895

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 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5895

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 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 3247

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 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett Has 100% Equities in his Pensions Funds
Replies: 39
Views: 2804

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 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 10744

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 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 23
Views: 1845

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 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 86
Views: 7629

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 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2761

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 1:47 am
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2761

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 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3410

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 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3410

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 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2761

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 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6755

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 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6755

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 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Socially Irresponsible Fund
Replies: 16
Views: 1508

Re: Poll: Which iPhone 6?

I wouldn't even take one for free from my employer.
by roymeo
Tue Sep 09, 2014 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3283

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 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3186

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 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3186

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 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3186

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 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 138
Views: 6920

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 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2888

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 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 2055

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 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12760

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 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Advice on *selling* a single gold bullion coin
Replies: 4
Views: 551

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 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: An inefficient market creating drag on index returns
Replies: 54
Views: 4021

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 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 6085

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 1:23 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 10139

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 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 6085
Next

Return to advanced search