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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
Sun Feb 22, 2015 2:19 am
 
Forum: Investing - Theory, News & General
Topic: Worst case scenario
Replies: 16
Views: 1809

Re: Food of the Fifties

No one's mentioned the Gallery of Regrettable Food yet?
http://www.lileks.com/institute/gallery/
by roymeo
Wed Feb 11, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11217

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 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3263

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
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: 3263

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 Feb 04, 2015 7:27 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6168

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
Wed Jan 28, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: traditional v. roth IRA
Replies: 12
Views: 927

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
Mon Jan 26, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 155
Views: 8960

Re: Boglehead Beer

See ya on Untappd!
by roymeo
Wed Jan 21, 2015 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72502

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 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 25
Views: 2666

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 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Keeping CC Receipts
Replies: 45
Views: 3733

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
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: 4949

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
Sun Jan 11, 2015 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2564

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
Sat Jan 10, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2564

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 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) elections
Replies: 14
Views: 1137

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 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) elections
Replies: 14
Views: 1137

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
Fri Jan 09, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222679

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
Mon Dec 29, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 180237

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
Fri Dec 26, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Android smart phone technical question
Replies: 2
Views: 600

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
Tue Dec 23, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72502

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 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3539

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
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: 498

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
Wed Dec 17, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222679

Re: You folks think the big one is coming?

Why, has Redd Foxx said it is coming?
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: 5805

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: 13846

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: 92
Views: 6168

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: 2694

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: 36
Views: 5785

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: 4561

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: 3215

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: 4561

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: 1816

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: 12351

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: 464
Views: 37102

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: 4661

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: 7953

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: 4661

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: 901

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: 4661

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: 1108

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: 1640

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: 6171

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: 781

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: 228

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: 464
Views: 37102

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: 6171

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: 6171

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: 3516

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: 2890

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: 109
Views: 13254
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