Search found 1096 matches

by roymeo
Wed May 04, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 664
Views: 104319

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: 4852

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: 4852

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: 1587

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: 2901
Views: 623643

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: 708

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: 3651

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: 4023

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: 4023

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: 2901
Views: 623643

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: 6140

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: 950
Views: 208556

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: 1668

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: 6530

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: 4821

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: 3375

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: 26186

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: 26186

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: 2901
Views: 623643

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: 664
Views: 104319

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: 7430

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: 7430

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: 2968

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: 45772

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: 2793

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: 2793

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: 2793

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: 42
Views: 4131

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: 16692

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: 3415

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: 6362

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: 664
Views: 104319

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: 1834

Re: Notary for 401k rollover?

It may be strange.

It is not uncommon.
by roymeo
Thu May 07, 2015 3:11 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 8635

Re: What's new and changed in phpBB 3.1

All threads looking new has now been resolved.
by roymeo
Tue May 05, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 1834

Re: Notary for 401k rollover?

I've hit that before, too. It's a plan requirement, not a IRS one.
by roymeo
Tue May 05, 2015 8:06 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 8635

Re: What happened to "view your posts" button?

And why are all the threads marked new and re-marked new after stepping into them? (I logged out and back in and have cleared my cache to cure the font problem.)
by roymeo
Fri Apr 24, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2607

Re: My PC is driving me nuts.

It sounds like you have some sort of malware which is affecting your machine. I'm a savvy programmer-type and I somehow ended up with one of those several years ago. It's not a lot of fun to remove.

Start with malwarebytes and see what it finds and see if it can clean up the problem.

roymeo
by roymeo
Fri Apr 24, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 10506

Re: [What is safest vehicle on the road today that I can buy

Safest for the people inside the car, or for everyone?

What kind of driving? Sticking at or below the speed limit and safe for current conditions, or driving like a normal person that considers 10 over just fine?
by roymeo
Mon Apr 20, 2015 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 5899

Re: Paying for GFs school - any way to help myself?

Have to add that to the James T Kirk Method of Home Repair: "I'm providing financial support to a woman. She is not my wife. Computer! I am providing financial support to a woman! She is not my wife!" DOES NOT COMPUTE DOES NOT COMPUTE DOES NOT COMPUTE *smoke billows* There can be financial...
by roymeo
Mon Apr 20, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 623643

Re: U.S. stocks in freefall

I don't even remember which website I used to use to check 'how the market is doing'...I'm not in it for a day gain/loss, so I don't pay attention to those 'today's results' things, just skip that page in the Espresso app, etc.
by roymeo
Mon Apr 13, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 6021

Re: How should I name my home Wi-Fi network?

I knew my neighbor with the passwordless SSID knew what he was doing and wouldn't mind someone borrowing some internet when I saw: AssClown.
by roymeo
Fri Apr 10, 2015 6:05 pm
Forum: Investing - Theory, News & General
Topic: One percent can mean a lot... (article)
Replies: 7
Views: 2077

Re: One percent can mean a lot... (article)

Yeah, I bet they've noticed how quickly taking 1% every year really adds up.
by roymeo
Wed Apr 08, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 3985

Re: Am I justified in being angry with executor?

Sounds like the message here is "Be kind, divest of random real-estate holdings before you die if at all possible."
by roymeo
Tue Apr 07, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 664
Views: 104319

Re: Boglehead Beer

LadyGeek wrote:Update: It seems we missed New Beer's Eve (April 6).


Untappd didn't give me a badge for the beer I had yesterday, thus it's not a real holiday. :)
by roymeo
Mon Apr 06, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 16608

Re: Family member asking for money

Always difficult topic. It turns out that even when you do gift someone money, you still can't fix all their bad decisions. If you can afford it both financially and mind-your-own-business-ally and it makes you feel good to do it, go ahead. If it'll drive you crazy to see someone you lent money to p...
by roymeo
Mon Apr 06, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 185
Views: 16816

Re: Good Modern Science Fiction

Looks like more than one group is interested in spinning the Hugos.
by roymeo
Fri Mar 13, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 4305

Re: An arm and a leg ... for a middle finger?

gatorking wrote:Massachusetts has passed a price transparency law that requires doctors to provide cost estimates.
http://blog.massmed.org/index.php/2014/ ... -patients/


Well, that's fine for Massachusetts. Harrumph.
by roymeo
Thu Mar 12, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 4291

Re: BEWARE-Dell Computer Tech Service

It sounds like we're pretty sure tech support deleted the account, but I've never had tech support create test accounts like that... I'm going to have to try that next time I'm working on my parents/in-laws computers and screw up: *Deletes the wrong files while 'cleaning up'* *Spills beer in air inl...
by roymeo
Wed Mar 11, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 4286

Re: Trip to Mexico

I wonder what the Venn diagram for "terrified of Mexico" and "terrified of AirBnB" looks like. I have no doubt that the odds are in his favor to return home with his family in one piece, but I am continuously astounded at the level of naiveté we Americans display in some of our ...

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