Search found 1113 matches

by roymeo
Thu Oct 27, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119541

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: 3222

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: 4857

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: 9591

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: 3495

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: 2513

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: 1925

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: 669

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: 6152

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: 976
Views: 222922

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: 32316

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: 976
Views: 222922

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: 14774

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: 14774

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: 9424

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: 9424

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: 6817

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: 711
Views: 119541

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: 5322

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: 5322

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: 1824

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: 3267
Views: 780302

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: 773

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: 4052

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: 4518

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: 4518

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: 3267
Views: 780302

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: 6605

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: 976
Views: 222922

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: 1833

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: 7199

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: 5194

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...
by roymeo
Fri Oct 23, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Pay $65 to purchase $1.37 worth of Chinese Plastic
Replies: 27
Views: 3583

Re: Pay $65 to purchase $1.37 worth of Chinese Plastic

No one ever wants to pay the designers for their work.
by roymeo
Fri Oct 02, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 28503

Re: Aren't we overdoing electronic auto safety features?

The auto companies also "package" these features along with other equipment you might want. So, if you want leather seats, you must pay for those items as well. And vice versa. I recall a lot of digging through these expensive packages of silly things like heated seats while trying to fin...
by roymeo
Tue Sep 15, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 28503

Re: Aren't we overdoing electronic auto safety features?

According to data compiled by NHTSA, as of 2010 the vehicle fatality rate was 1.10 persons per 100 million vehicle miles travelled. Car safety has improved for the driver and passengers. All the things making it safer for the occupants tend to make things less safe for those outside the vehicle who...
by roymeo
Wed Sep 09, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780302

Re: U.S. stocks in freefall

I agree that it doesn't seem as ominous, which can mean one of two things: (1) it's not as good a time to buy because there's not enough blood in the streets, or (2) it can turn really ugly down the road. Either way, I'm keeping my powder dry right now. "as good"? I only get points if I b...
by roymeo
Tue Sep 01, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119541

Re: Boglehead Beer

I like to drink a good straight beer without any additives, a beer brewed according to German purity rules. The Sam Adams Oktoberfest is too sweet for me. I'm not sure if you're trying to draw some sort of connection between those 2 sentences. I can make a dry or sweet beer that follows reinheitsge...
by roymeo
Thu Aug 27, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 73
Views: 7938

Re: Ant Control

Sure, you have to kill more than one queen, but that doesn't mean it's not effective or the ants don't take that home, eat it and die. To me "doesn't work" means the ants just don't like it, won't take it, won't eat it, or doesn't even affect them. Since Argentine ants are a super colony,...
by roymeo
Wed Aug 26, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 73
Views: 7938

Re: Ant Control

What a timely post. I've just moved from San Francisco across the bay to the supercolony of Argentine ants. https://en.wikipedia.org/wiki/Argentine_ant Hey, RadioLab's done a show about them too: http://www.radiolab.org/story/226523-ants/ http://www.radiolab.org/story/226696-argentine-ant-invasion/ ...
by roymeo
Wed Aug 26, 2015 6:29 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 3059

Re: More Proof: The 'Do Nothing' Strategy Works

Isn't today one of those few days that they make tables and studies about over the years saying that if you missed being in the market on certain "up" days your total return would be much less? I'm not quite sure how that works if you are already in the market doing nothing (like I did) t...
by roymeo
Sat Aug 01, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Odd skunk smell inside the house
Replies: 28
Views: 62282

Re: Odd skunk smell inside the house

We definitely had real skunks around Dogpatch (the SF neighborhood east of Potrero Hill).
by roymeo
Thu Jul 23, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 3003

Re: lock for $500 bike

Hardly seems worth the risk does it? But drug users have never been known to be particularly rational. Risk? When most people don't even have their serial numbers? And i had to add the comment that NOW in San Francisco there's A cop who seems to care about bike theft. Still can't do much to shut do...
by roymeo
Wed Jul 22, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 3003

Re: lock for $500 bike

You must be in a really bad part of town that anyone would consider stealing a $450-500 bike. Must be mostly joyriders, there can't be much of a market for those. A lot of the thieves in San Francisco are after any ridable bike. They're all worth $20-50 of drugs. Unless the thief is entrepreneurial...
by roymeo
Tue Jul 21, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 3003

Re: lock for $500 bike

You're paying the money not just to protect a $500 bike, but also to avoid the inconvenience of walking home with an armload of shopping, etc. You can't avoid a professional bike thief with a cordless angle grinder and an unobserved 2-5 minutes, but a professional is unlikely to risk going after a $...
by roymeo
Tue Jul 14, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 43
Views: 5335

Re: Facebook's malware scan- legitimate or malware? Invasive?

This topic is going to be hard to read once the mods remove all the off topic whinging.

You also should consider the strength of your password(s).
by roymeo
Mon Jun 22, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 80
Views: 17138

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

"I'm worried about credit score."

Why?


(I mean I love gaming the system and getting a better score as much as the next nerd, but are you really foreseeing something where a somewhat lower score matters, or are you just focusing your worries on this?)
by roymeo
Fri Jun 19, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3559

Re: San Francisco advice

...but you haven't been to me.
by roymeo
Fri Jun 19, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 32
Views: 6890

Re: [Purchasing a] hearing aid

FredL wrote:It is so small you can sleep with it while a normal digital hearing aids, you have to take it off at night, just like glasses.


No experience with it, but the human ear is a pretty harsh environment for electronics, I wouldn't be sold by that bit of marketing bluster.
by roymeo
Mon Jun 08, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119541

Re: Boglehead Beer

I'm a part owner of the Three Floyd's Brewpub in Munster, IN, attached to the brewery.
And donated to Ferment.Drink.Repeat a Nano Brewery, Homebrew Supply, and Brewery Incubator in SF during their CrowdBrewed fundraising campaign.
by roymeo
Thu May 14, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 2190

Re: Notary for 401k rollover?

It may be strange.

It is not uncommon.

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