Search found 1131 matches

by roymeo
Fri Apr 21, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: [Should I invest in an IPO?]
Replies: 11
Views: 962

Re: [Should I invest in an IPO?]

Q: Should I invest in an IPO?
A: I don't think gambling counts as investment.

Q: Should I invest in individual stocks in my Roth IRA?
A: No.
by roymeo
Thu Apr 20, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 303
Views: 27218

Re: Larry Swedroe says "Goodbye."

+1 on the good things.
by roymeo
Tue Apr 18, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in company stock
Replies: 8
Views: 567

Re: Investing in company stock

What's the hold period? I recommend taking advantage of any discount (AKA free money) as long as the holding period means you can sell it as soon as you buy it. if there's a waiting period then you have to do some longer term thinking and risk taking. I know every public company I've worked for has ...
by roymeo
Mon Apr 03, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 5970

Re: Weird house buying experience

I've finished the first page of replies, I'm wondering: Is this about $100, or $1000? Did both the OP and the builder make a minor mistake in listing a number? roymeo (edit after finishing thread) So the builder-agent actually provided some sort of price list for a bunch of items and that price list...
by roymeo
Mon Mar 27, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 2269

Re: Help Overcoming a Lead Paint Phobia

And make sure your moonshine wasn't distilled in an old car radiator that had been patched with lead.
by roymeo
Fri Mar 24, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 2269

Re: Help Overcoming a Lead Paint Phobia

Also as has been reported in Oakland with lots of Stucco houses: watch out for people power-spray cleaning their exterior painted surfaces. And don't plant a garden right there where you just power-washed all the lead paint off the side of the house.
by roymeo
Wed Mar 15, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 6545

Re: What to do with all these passwords ?

"What problem are you trying to solve?"
by roymeo
Fri Mar 10, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 6545

Re: What to do with all these passwords ?

LastPass Premium, and we just got LastPass Enterprise at work. And they integrate together so I can access either at work. And I remember that moment after about 3 months of using LastPass where I realized I didn't care any more about what my passwords were...started making 26+ character random stri...
by roymeo
Fri Feb 24, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6951

Re: Why own individual stocks?

But if you're saying you beat the easy-to-construct hypothetical "If I bought X of the S&P on such-and-such a date in 2014" you can't really compare that to "I made a bunch of buys on different dates which eventually added up to X, plus there might be some other sell-n-buy with th...
by roymeo
Mon Feb 20, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6951

Re: Why own individual stocks?

Motley Fool used to be very much in line with the spirit of this board, and then it morphed into providing their own programs. Seemed to be a split between "here's what you ought to do" and "here's what makes an entertaining show and brings in subscribers".
by roymeo
Wed Feb 15, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6951

Re: Why own individual stocks?

Because your employer gave them to you and you haven't had time to sell them.
by roymeo
Fri Jan 27, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: The market knows, except for mutual funds
Replies: 39
Views: 3420

Re: The market knows, except for mutual funds

Bobo wrote:I read most of one article.


That does seem to put your suggestion on better footing than most investment schemes already!
by roymeo
Thu Jan 26, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 134
Views: 15977

Re: The market is on fire

DOW 20,000!!! But what's the makeup of the Dow today compared to 3, 5, 10, 15 years ago? Oh, they change it up to whatever's HOT? Great index to peg something to. https://en.wikipedia.org/wiki/Dow_Jones_Industrial_Average : On February 19, 2008, Chevron and Bank of America replaced Altria Group and ...
by roymeo
Thu Jan 26, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3368

Re: Requirements to change passwords frequently?

dm200 wrote:I have dozens of login IDs and passwords! Keeping track and up to date is a chore!


I have a unique password for almost every account I have because I use modern tools!
by roymeo
Mon Jan 23, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3368

Re: Requirements to change passwords frequently?

Requiring frequent password changes is a good way to push people to us LastPass or some similar password vault. I remember how about 3 months into using LastPass I realized I didn't know or care what most of my account passwords were anymore. This is ALSO something to think about before you go off a...
by roymeo
Fri Jan 13, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1704

Re: Thinking about leaving Ameriprise

Roman07 wrote:I trust myself to mess around with stocks, but handling my entire financial future is a little intimidating.


I believe you've got that reversed in which is harder to "guess right" on.
by roymeo
Thu Dec 15, 2016 7:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 874931

Re: U.S. stocks in freefall

https://lygsbtd.files.wordpress.com/2013/05/the-graduate-plastics.jpg I've wondered, but I don't know how to find out... the more often I see that, the more I wonder whether it's intended to be a stock tip and/or a career recommendation, not for polymers in general a substances, but for GE Plastics...
by roymeo
Thu Oct 27, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 127169

Re: Boglehead Beer

Just had Firestone Walker Velvet Merlin. Wonderful oatmeal stout! originally Velvet Merkin, but the board which approves labels wouldn't approve the name. http://www.firestonebeer.com/beers/products/velvet-merkin http://www.firestonebeer.com/beers/products/velvet-merlin-fall-and-winter
by roymeo
Fri Oct 07, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3758

Re: Join AARP

I'm also interested in why I would join (or pay to join) an insurance company/lobbying group.
Also: Why would I, a decent human being, join a lobbying group for older people only after getting old--if their mission was good and right, shouldn't I join when much younger?
by roymeo
Thu Sep 22, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Email from Financial Advisor
Replies: 31
Views: 5193

Re: Email from Financial Advisor

Thanks everyone. It's not Edward Jones, but it's probably irrelevant (Oh WellS, you'll need to guess). I can see they can choose any time frame that makes it favor their side. You all are right if he took the last 10 years, S&P beats American. PLUS lower fees, etc. I'll just select one fund tha...
by roymeo
Mon Sep 19, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 10209

Re: Anyone accidentally tell a friend about your inheritance?

Sounds like judgements about money is already a part of your relationship with this friend, considering what you said about his situation. How is that any different, other than your status has changed (at least in his eyes)?
by roymeo
Thu Sep 15, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 3952

Re: Tenant wants to leave on short notice. Can they?

Relieved they're leaving? And you want to make them stay longer or get involved legally with them?
by roymeo
Thu Sep 15, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: I invested $10,500 in a private US company [pressured to sell back shares]
Replies: 19
Views: 2653

Re: I invested $10,500 in a private US company [pressured to sell back shares]

If you DID invest more money, and the company fulfilled the deal by creating more shares, that would dilute everyone else's shares (including your previous purchased ones).

Joining the rest of the onlookers here who want to know more about how you got into this.
by roymeo
Thu Sep 15, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Monsanto
Replies: 14
Views: 2056

Re: Monsanto

Another reason the price doesn't immediately go to the 'deal price' and stay there is that it isn't until the deal goes through and everything changes hands that the stock is worth that. Someone may need to sell some shares 'for a hamburger today', and not be able to wait for the full price to show ...
by roymeo
Fri Sep 09, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone follow Tom McClellan?
Replies: 5
Views: 759

Re: Anyone follow Tom McClellan?

I did, but the judge has strongly suggested I stop.
by roymeo
Tue Aug 09, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: Help me simply understand why Bonds now?
Replies: 50
Views: 6485

Re: Help me simply understand why Bonds now?

Hey record highs at the S&P 500, you can't possibly want bonds until right around bottom.
by roymeo
Fri Jul 22, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 996
Views: 234170

Re: Best watch for around $5,000?

livesoft wrote:So what does it mean when a guy leaves his expensive watch in the car or abode of his date?

Does that mean he wants a callback? Something else?


He wants to file a police report?
by roymeo
Wed Jul 06, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 34255

Re: What kind of car are you driving?

2005 Fuji Police Special Mountain Bike That frame cracked, it was replaced under warranty, with a 2011 frame. Then I bought a 2013 Cannondale Trail SL 29er 1, that frame cracked, warranty replacement with a 2015 frame. While waiting for that to come in I got a 2015 Cannondale Quick6 which I now use...
by roymeo
Wed Jun 29, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 996
Views: 234170

Re: Best watch for around $5,000?

Dulocracy wrote:Actually, our firm focuses on upper middle to upper class individuals who are looking for quality that does not cost an arm and a leg. Hourly rates run $150-300 in the Atlanta area


Been 10 years since I was there, but far too much of ATL was all about the new money conspicuous consumption. :)
by roymeo
Fri Jun 10, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 16037

Re: I need some help to understand why I should invest in bonds at such a young age

First, I'll note my statement "I thought that way, too." was directed to the general topic, not your post directly before mine. I'm pretty sure the rebalancing "bonus" I've gotten over the years has been more than 100% stocks would have given me. I don't think the facts will back...
by roymeo
Fri Jun 10, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 16037

Re: I need some help to understand why I should invest in bonds at such a young age

I thought that way, too. Rick Ferri's All about Asset Allocation made me think different. https://smile.amazon.com/All-About-Asset-Allocation-Second/dp/0071700781/ref=sr_1_1?ie=UTF8&qid=1465591478&sr=8-1&keywords=all+about+asset+allocation+ferri I'm pretty sure the rebalancing "bonu...
by roymeo
Thu Jun 09, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 10362

Re: Crazy housing market

My highschool economics teacher (and coach) told the class that if we learned nothing else for the year, we had to learn this formula: Unlimited Wants + Limited Resources = Scarcity. Wants can change (tulipmania) but changing the resources available is a much slower thing. And you have to change the...
by roymeo
Tue Jun 07, 2016 5:39 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 10362

Re: Crazy housing market

The entire SF Bay area is like this, too. There was just a recent article about Deep East Oakland being the only place you can find something under 500K. http://www.eastbaytimes.com/breaking-news/ci_29975323/sizzling-housing-deep-east-oakland-lures-bay-area I had been looking in SF but kept being ou...
by roymeo
Mon Jun 06, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: After 30 yrs at Megacorp my IT job was surplussed...
Replies: 52
Views: 7054

Re: After 30 yrs at Megacorp my IT job was surplussed...

When I got the layoff announcement the day Obama first was inaugurated, I did the math and came up with 13 rounds of layoffs i'd seen in 13 years programming/software engineering & management. I wasn't always the one who drew the black spot, and that's not counting the 10k-30k worker layoffs whe...
by roymeo
Wed May 04, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 127169

Re: Boglehead Beer

Dogfish Head 120 Minute IPA has a reputation for sitting on the shelves too long--to the point where I've been in a craft beer bar and heard industry people discussing a different beer that was 'priced to sit' and called it the "120 minutes problem". I knew exactly what they meant. Your bo...
by roymeo
Fri Apr 22, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 5538

Re: Got laid off, when can I file for unemployment?

So Peter was right, looks like I can't apply until May 2nd. I think I will roll over my 401k after my last day as well. It's probably better off in Vanguard than waiting for it to get into another 401k with most likely worse options. I don't think it can get any better than vanguard. I will probabl...
by roymeo
Tue Apr 19, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 5538

Re: Got laid off, when can I file for unemployment?

achen9291 wrote:
Flobes wrote:Are you being "laid off" or fired?


laid off or "WFR" work force reduction. I'm in texas, houston actually.


You need to use HR-speak passive voice: I was unfortunately affected by the RIF.
by roymeo
Tue Apr 19, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Small packages delivered from China
Replies: 14
Views: 2747

Re: Small packages delivered from China

We got one of those...took a while to figure out what the purchase was: One scam is that the have an online shoe store infrastructure that moves from URL to URL. You buy shoes, they charge your card, and in order to satisfy someone's postal authorities they have to send something, so they send a spo...
by roymeo
Tue Apr 19, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 874931

Re: U.S. stocks in freefall

We're a good 6 months past the deadline from the 6 month dire warnings some big movers-n-shakers were giving a friend. But have no fear, they couldn't have been wrong.
by roymeo
Mon Apr 11, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Experience using 'new' postage stamps?
Replies: 6
Views: 798

Re: Experience using 'new' postage stamps?

Forever stamps are worth any extra cost to me as a seldom-user of stamps--no more futzing with 1¢, 2¢, etc. stamps to go with that book of stamps from several years ago. (But I'll pass on making an 'investment' purchase of them, just buy <5 books when we need some more.)
by roymeo
Tue Apr 05, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: Why do some states tax annuity premiums?
Replies: 29
Views: 4178

Re: Why do some states tax annuity premiums?

Because they like money! High-five!
by roymeo
Fri Apr 01, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Housing: Listing agent underpricing
Replies: 58
Views: 4965

Re: SF Bay Area Housing: Listing agent underpricing

In a market like the Bay Area... it may be possible to find a rental for a lot less then it costs to buy ... leaving you the option to buy a good rental or two... in a different market where there may be more potential for slow growth and less potential for a BIG correction. Just something to consi...
by roymeo
Fri Apr 01, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Housing: Listing agent underpricing
Replies: 58
Views: 4965

Re: SF Bay Area Housing: Listing agent underpricing

We gave up looking in SF after being outbid ~100K by people with briefcases of Remnibi and finally bought in Oakland. What you're seeing is standard for the entire SF Bay Area (at least). Agents can generally tell just looking at the numbers: 499 = attention seeking behavior, going to go for at leas...
by roymeo
Fri Apr 01, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 874931

Re: U.S. stocks in freefall

Hmmm.. looks like a moderator deleted my reply.. Fair enough. The point I made in my original post is that I am going to stop worrying about ups and downs and whether I'm leaving or jumping in at the right time. Rather, I'm simply putting my money in a solid index fund and leave it be. I originally...
by roymeo
Wed Mar 30, 2016 7:05 pm
Forum: Investing - Theory, News & General
Topic: What if your money in Vanguard disappeared one day??
Replies: 44
Views: 7005

Two different questions here.

I think there are two different questions here: 1) Is it realistically possible to for Vanguard to somehow 'go under' in a way that only their investments are at stake that wouldn't destroy or at least seriously disrupt most of the world's financial systems in the process? 2) What would you personal...
by roymeo
Mon Dec 07, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 996
Views: 234170

Re: Best watch for around $5,000?

[quote="Petrocelli"I have a friend who has a fake Rolex. You can tell the difference just by looking at the movement of the second hand.[/quote]

I'll keep that in mind next time I'm in a meeting with the guy checking out the movement on everyone's watches.
by roymeo
Wed Nov 25, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have to keep all credit cards active?
Replies: 14
Views: 1933

What do you mean by active?

What everyone else said, and: Active is to use it occasionally. I'm more of an annual person myself. Take the card out of the drawer, use it to buy lunch, add a post-it with the date used and put it back in the drawer for a year. Using it, as it having a lot more charges on it, actually hurts your c...
by roymeo
Mon Nov 23, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: Implications of "One Hasn't Lost if One Hasn't Sold"
Replies: 98
Views: 7829

Re: Implications of "One Hasn't Lost if One Hasn't Sold" and stays invested for a period of time

I had options in the first company I worked for, that if I'd sold at the perfect half-hour, would have been worth $60,000. In the end, I profited a couple magnitudes less than that. I price-to-market while having been through enough peaks and valleys to know that those numbers don't mean very much w...
by roymeo
Thu Nov 05, 2015 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 HC.gov health insurance pricing is up
Replies: 51
Views: 5307

Re: 2016 HC.gov health insurance pricing has been posted

Ha ha! I ALSO got fooled by your "pricing is up" language, thinking you meant "prices have increased" instead of "pricing has been posted". The response to the former would have been along the lines of "well, duh, when hasn't it gone up?" Luckily you didn't me...

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