Search found 1176 matches

by roymeo
Tue Feb 13, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth progression: what am i doing wrong?
Replies: 25
Views: 3751

Re: Net worth progression: what am i doing wrong?

You're comparing yourself to others with different circumstances.

(And probably have more net-worth than a great deal of many Americans who are years and years older than you.)
by roymeo
Tue Feb 13, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6422

Re: Should I claim chapter 7 bankruptcy? debt 110k

If a troll, he's playing a long game...asking normalish questions for quite a while.
by roymeo
Mon Feb 12, 2018 2:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262418

Re: U.S. stocks in freefall

Other than the [large] investors covering their losses on volatility instruments*: Why would anyone be SELLING their stocks right now? Or bonds, for that matter? You could surely wait for a better price! Or have sold a few weeks ago! (Which I thought about doing [with a position I am looking to unl...
by roymeo
Wed Feb 07, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13312

Re: Financial Hole

There are alternatives to listening to satellite radio that haven',t been mentioned: mp3's? books on tape/cd from library, podcasts, etc.
Though finding the time to find stuff is a possible challenge....but it could earn you $240/year if I read that $20/month right.
by roymeo
Fri Feb 02, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262418

Re: U.S. stocks in freefall

These delighted posts will look so sad if this is the start of a deep, multi year bear market. :shock: Indeed. I hope this week is the beginning of a multi-year 50% decline in equities. As long as my job is safe, and the jobs of the people I care about, and I don't have to see too many more homeles...
by roymeo
Wed Jan 31, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262418

Re: U.S. stocks in freefall

I'm admittedly a total novice, but I don't understand the long-term perspective when it comes to stocks. My 401k is about 50 years out but I have doubts about its eventual usefulness. My city (and many major coastal cities, most of which are financial centers) are projected to be dealing with bad f...
by roymeo
Tue Jan 30, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 52
Views: 4097

Re: Thinking about leaving Ameriprise

"You should wear with pride the scars on your skin
They're a map of the adventures and the places you've been"
-- Poi Dog Pondering, "U Li La Lu"
by roymeo
Fri Jan 26, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 5455

Re: Do we need an emergency supplies kit (go bag)?

After the wildfires just north of the SF Bay this year, I found this email list that sends you a weekly set of things to stock up on for an emergency kit so you slowly build it up a little bit at a time over ~6 months: https://www.ckingsolutions.com/2017/09/29/things-fall-apart-disaster-prep-mailing...
by roymeo
Mon Jan 22, 2018 1:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 56
Views: 5764

Re: Vanguard will use blockchain to share index data

if it worked for Kodak, why not Vanguard employee shareholders that want to cash out?
by roymeo
Wed Jan 17, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: im 25 years old and want to start investing
Replies: 9
Views: 817

Re: im 25 years old and want to start investing

Another vote for the Vanguard Target Retirement fund and taking advantage of the 401(k) at least to the match, ideally to the max. Read and learn about more (simple) complexity, but I sure wish I'd kept it simple instead of spreading $300 here, $1000 there, $5000 there on now split that between 3 ot...
by roymeo
Tue Jan 09, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Fertilize dormant plants in winter?
Replies: 13
Views: 957

Re: Fertilize dormant plants in winter?

Depends on the plants.
E.g. The garlic bulbs I put into the ground in late October really want some fertilizer. Last season I didn't; they grew and each ended up growing but each one ended up just one big bulb.
by roymeo
Fri Jan 05, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 4153

Re: Downsizing to one car in retirement...

We downsized to one motor vehicle long before 20 years to retirement. Depends on where you live and your lifestyle.
by roymeo
Fri Jan 05, 2018 6:59 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6082

Re: Misuse of adverse when averse was meant

If people do it wrong enough, it becomes correct.
by roymeo
Thu Jan 04, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA
Replies: 16
Views: 1290

Re: COBRA

You also used to be able to pay 60 days after COBRA starts, so there was this indeterminate period at the beginning where you were covered if you needed to make a claim (and paid for COBRA) but if you didn't need to use it, you didn't need to pay. Find out if this is (still) accurate in your case.
by roymeo
Mon Dec 04, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 52
Views: 9062

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

Facebook has had several rounds of chasing after people using stage names, drag names, etc. which I find remarkable considering the account I made for my neighbor's dog has never had a problem.
by roymeo
Fri Nov 03, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to utilize newly available Vanguard funds in my 401K
Replies: 17
Views: 1678

Re: How to use newly available Vanguard funds in my 401K

Use. Utilize would be if you were making use of something that isn't ordinarily used for the purpose.

(Mostly I'm just wanting to watch the thread, needed to say something.)
by roymeo
Thu Oct 19, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 29415

Re: Sitting on cash....Waiting for a crash

People are waiting for the real estate market in San Francisco to normalize---since the early 70's.
by roymeo
Wed Oct 04, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: What's my next move? Clearly a novice at investing.
Replies: 16
Views: 1665

Re: What's my next move? Clearly a novice at investing.

Assuming you don't otherwise change your mind about the rate you're paying your mortgages (and I have no opinion on that): Wouldn't it make more sense to push the extra mortgage payments onto the highest rate loan so it gets paid off sooner? Once that's gone you can shift to the lower primary reside...
by roymeo
Tue Sep 05, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Funny/frustrating FedEx situation
Replies: 19
Views: 2344

Re: Funny/frustrating FedEx situation

Get a smaller card at a Motorola store and get your account swapped over there? That's what I did last time via AT&T.
by roymeo
Fri Sep 01, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 32833

Re: What to do when a parent's money runs out?

My wife deals with this sort of thing (and hoarders, also mentioned) professionally, and she hands out copies of this book to clients/families: Tips for Helping Your Aging Parents: (without losing your mind) by Kira Reginato http://amzn.to/2xEmPiJ Am I wrong to feel totally fed up? Anyone who tries ...
by roymeo
Wed Aug 30, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: First time getting into the market. DCA?
Replies: 14
Views: 1028

Re: First time getting into the market. DCA?

While I want to agree with Jack above (and I do in spirit), I also must admit that I watched the heck out of my accounts when they & I were newer. Having feelings about accounts with less in them than the weekly delta now. So be honest with yourself, and see how close you can get to just pulling the...
by roymeo
Wed Aug 16, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Should I put other jobs on my resume?
Replies: 14
Views: 1203

Re: Should I put other jobs on my resume?

What do you want to talk about in an interview? Put the things on your resume which will start those conversations, and any other backup/justification that you think necessary to show you have the skills enough to call to talk to. YMMV of course, different professions have different standards. Plus ...
by roymeo
Wed Aug 16, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 3653

Re: Credit score dropped 100 points overnight

I'd certainly want to know what changed just to be aware if someone else has opened something, but I have to ask what credit score use you foresee needing in the near term?
by roymeo
Fri Aug 11, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 17564

Re: How far would you travel to see The Eclipse?

I'd "turn around".

(turn around bright eyes)
by roymeo
Fri Aug 11, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 7030

Re: Do not buy new cellphones on ebay

Sorry, I bought plenty of phones on eBay and Amazon from secondary sellers when I was responsible for a stable of 500+ mobile devices for software testing. You do have to know a bit about what you're buying--some of the makers made it very hard to figure out whether the version someone was selling w...
by roymeo
Fri Aug 11, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262418

Re: U.S. stocks in freefall

It was Oct. 19th, 1987, not Oct. 9th. I grew up near the Falls Shopping Center in Southwest Miami. The story of someone going to the Falls, killing his broker, then himself soon after the Oct. 19 drop has fascinated me. Had the client taken the Bogle view of staying the course, or don't do somethin...
by roymeo
Thu Aug 10, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262418

Re: U.S. stocks in freefall

Lenny Bruce is not afraid, and neither am I.
by roymeo
Mon Aug 07, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6373

Re: NYT: Buy more takeout and hire a maid, study suggests

So, money can buy you (more) happiness?
by roymeo
Mon Jul 31, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6533

Re: Non Stick frying pan

Teflon still releasing enough toxic chemicals into the air it kills people's birds the first several times you use it?

Looks like it:
http://www.peteducation.com/article.cfm ... 9&aid=2874
by roymeo
Tue Jul 25, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance as a tax diversification strategy
Replies: 39
Views: 2764

Re: Life insurance as a tax diversification strategy

Have we ever heard a story where an insurance salesperson looked at someone's financial setup and said "Nope, you don't need anything more."?
by roymeo
Wed Jul 12, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 16760

Re: Anyone else gotten totally bored with investing?

telemark wrote:Someone or other described war as long periods of boredom punctuated by brief moments of terror. Perhaps the same applies to investing?
Except you have to reconcile this with "“the market can stay irrational longer than you can stay solvent."
by roymeo
Mon Jul 10, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 13172

Re: "Bond wipeout has just begun"???

Following in case this turns into a "US Stocks in free fall" thread.
by roymeo
Thu Jul 06, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 84
Views: 9633

Re: Is it Safe to Get Your DNA Tested?

Wow, according to the numbers I'm seeing here Ancestry.com's expensive compared to 23andMe.com. And they're the ones that ended up working through the FDA regulations for some of the medically important ones.
by roymeo
Fri Jun 30, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 8219

Re: Those who max 401k

It has depended on my employment situation. When I was making a lot more than my expenses on a contract that could end at almost any time I'd put a LOT on ASAP. (When that contract finally ended at the end of the year, the last paycheck came through for the next year, so I got almost none of it as I...
by roymeo
Mon Jun 19, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 16760

Re: Anyone else gotten totally bored with investing?

Yep. Though I keep my eye on whether the different funds get too far out of target, I've also been amazed at how much time I used to spend at that.
by roymeo
Fri May 19, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7810

Re: Convince me to get back into stocks!

What if the market goes up 25% before it experiences a 15% drop? That would be fine. All I want is for it to drop by 15 percent so i cam buy. lol.. you made my day In case you missed the poind here that entertained aqan so much: You've said that as long as the market drops by 15%, you'd buy--even i...
by roymeo
Thu May 18, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 5906

Re: Funny Letter [Canceling Escrow Account]

When purchasing, I didn't see anything pro or con enough either way so I just went forward with it.
After chasing them around for screwing up my taxes, calculating poorly, etc. money bouncing around when my loan was sold, I was ready to take care of myself when I refinanced. No problems since.
by roymeo
Wed May 17, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7810

Re: Convince me to get back into stocks!

It's never too late to come up with a plan.
by roymeo
Wed May 17, 2017 6:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262418

Re: U.S. stocks in freefall

They may have fixed that USA Today article, it now says "Thanks to the market's "Trump Bump," someone who had invested $100,000 in an index fund tracking the 500 largest U.S. companies on Election Day would have seen that money grow to $112,300 at the market's recent record high on May 15 after a 12...
by roymeo
Thu May 11, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: question about changing brokerage account
Replies: 8
Views: 818

Re: question about changing brokerage account

I'm not sure that the right way to evaluate this is comparing his compensation vs. her profit.
by roymeo
Mon Apr 24, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45955

Re: Larry Swedroe says "Goodbye"

Munir wrote:Is anyone going to correct the word "goodby" in the title by adding an "e" at the end of it?
I did, but I guess I got too political in an observation on local events on a statement Larry made. Which I knew was probably out of place on Bogleheads.
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: 1752

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 "Goodbye."
Replies: 336
Views: 45955

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: 820

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: 8751

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...