Search found 1205 matches

by roymeo
Tue Jul 17, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8589

Re: Why own a bed?

Waste all that floor space? You need a Murphy bed.
by roymeo
Mon Jul 09, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Video: Day trading for beginners - funny tutorial
Replies: 3
Views: 624

Re: Video: Day trading for beginners - funny tutorial

Best part was both times I loaded the page (reload to get audio working) I was exposed to Jason Bond who is doing so wonderfully in the market he's got to pimp out his system to me.
by roymeo
Fri Jul 06, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5026

Re: How do normal people afford the Bay Area?

willthrill81 wrote:
Fri Jul 06, 2018 7:19 pm
But it's hard for me to see how prices could continue rising at their recent pace.
Especially since they're finally starting to build some housing. It's like the Portlandia shtick but it's "We can put a condo on it!" instead of a bird.
by roymeo
Fri Jul 06, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5026

Re: How do normal people afford the Bay Area?

"Those migration patterns are shaped by socioeconomics. Most people leaving the state earn less than $30,000 per year, even as those who can afford higher housing costs are still arriving." What part of the country is that "normal people"? Though I know I have had neighbors that that applies to in ...
by roymeo
Fri Jul 06, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5026

Re: How do normal people afford the Bay Area?

$200k/year easily survives the bay area. Sheesh.
by roymeo
Thu Jul 05, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for my employer’s ESPP?
Replies: 27
Views: 1331

Re: Strategy for my employer’s ESPP?

I didn't say sell the baby hippo every pay-period. :)
by roymeo
Mon Jul 02, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for my employer’s ESPP?
Replies: 27
Views: 1331

Re: Strategy for my employer’s ESPP?

I look at it like a wonderful gift from my employer, like a baby hippopotamus. Sure it may be fun to have around and take down to the bay, but in reality, it isn't something that's consistent with my lifestyle. Maybe it'll turn grow up to be a singing hippo but as much fun as it is to have around, I...
by roymeo
Mon Jun 18, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8735

Re: Very confused with the current market

capcase wrote:
Sun Jun 17, 2018 2:34 pm
- It has been history higher and higher.
- the fundamental law says it will recycle every 10 years
- I had been on cash for 10 months

Please don't tell me I should not time the market.

What's going wrong?
The market can keep going up longer than your patience.
by roymeo
Wed Jun 13, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Some questions about purchasing earthquake insurance in CA
Replies: 10
Views: 1047

Re: Some questions about purchasing earthquake insurance in CA

My agent "suggested" that while he's happy to sell me a policy, many people choose to use that money to retrofit.
by roymeo
Tue Jun 12, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3579

Re: Light Camping Trailer

dratkinson wrote:
Mon Jun 11, 2018 5:06 pm
Check out the Teardrop and Tiny Travel Trailer forum.
See: http://tnttt.com/

Careful thought, as it can be as addictive as the BH forum.
Ah, you beat me to it. Especially for those that want to build their own...
by roymeo
Fri May 25, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5886

Re: Alexa Echo sent family's audio file to a contact

I have a friend that was mixing a song....it was going to start "Alexa, turn off the lights."
by roymeo
Fri May 25, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 4011

Re: When did this start??

I read a while ago that most waitron and others that work for tips figure out pretty quickly that there are good tippers and bad tippers and the service you give can only nudge people a little bit in one direction or another. There are exceptions who really use it to rate service, or reward behavior...
by roymeo
Fri May 25, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2758

Re: Folks, I'm calling the Tops for Bay area RE market

Oh I better sell, live in a tent, and then buy a new place ... when's the bottom coming? How far is it dropping?
by roymeo
Wed May 23, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12669

Re: how do you tip on wine at a restaurant

"I have terrible handwriting, but I know it was my waiter that controlled the entire transaction and the waiter probably took me for a couple cents." After college I spent way too much time at a local restaurant. Enough that I knew the staff on every shift, and saw a lot of what happened. I learned ...
by roymeo
Wed May 23, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12669

Re: how do you tip on wine at a restaurant

When did this progression of normative tip amounts take place? In the 1970s, when I was a boy, my Dad taught me that the standard tip was 15% at an everyday restaurant and 20% at an upscale restaurant. So, if the progression you describe was a nationwide phenomenon, it must have been well under way...
by roymeo
Fri May 18, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12669

Re: how do you tip on wine at a restaurant

masonstone wrote:
Fri May 18, 2018 4:49 pm
Food at an expensive restaurant takes more time and effort to make, that is not true for the wine.
Not necessarily. But what's that got to with what I tip my waitron?
by roymeo
Thu May 17, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12669

Re: how do you tip on wine at a restaurant

20% on it all. (US, CA, Bay Area)
by roymeo
Thu May 17, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8479

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Wait, didn't the stock market crash once before? I forget exactly when that was...but your friend's been invested purely in silver ever since, right?
by roymeo
Wed May 09, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: AAPL - Great Investment or Value Trap
Replies: 62
Views: 8462

Re: AAPL - Great Investment or Value Trap

Riley15 wrote:
Wed May 09, 2018 8:32 am
roymeo wrote:
Tue May 08, 2018 6:32 pm
Wouldn't paying less than the current market-price for a lot of shares...change the market-price?
Not true! Market prices are only set for shares traded on the open exchanges. Non-open market transactions or transactions between private parties are non directly setting market prices.
Touche!
by roymeo
Tue May 08, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: AAPL - Great Investment or Value Trap
Replies: 62
Views: 8462

Re: AAPL - Great Investment or Value Trap

Wouldn't paying less than the current market-price for a lot of shares...change the market-price?
by roymeo
Tue May 01, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9277

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

White Coat Investor wrote:
Mon Apr 30, 2018 11:45 pm
roymeo wrote:
Mon Apr 30, 2018 5:46 pm


I'm not sure if the Green Book is still published, but I've been given friendly, unsolicited advice in Utah to keep moving.
What decade was that?
That was late April 2009. We were travelling the country after being laid off within 11 days of each other. (As 30-somethings.)
by roymeo
Fri Apr 27, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1443
Views: 608880

Re: A different approach to asset allocation

whodidntante wrote:
Thu Apr 26, 2018 10:48 pm
What if it had worked?
What if what had worked?
by roymeo
Thu Apr 26, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449897

Re: U.S. stocks in freefall

Is this now a running commentary?
by roymeo
Wed Apr 11, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4348

Re: Am I being unreasonable?

FYI, those discombobulated by the numers: one of my coworkers here in the bay area mentioned something more like $35,000 for a private school for his elementary son (K or first)....and this is in the mean streets of Oakland, not San Francisco.
by roymeo
Tue Apr 10, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 2020

Re: KeePass random generator

Let's look at this from a different perspective. See: Changes in Password Best Practices - Schneier on Security Well, you can find recent security articles on many positions. But try to separate out whether you're talking about what I as a user ought to do to protect myself and have strong password...
by roymeo
Fri Apr 06, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 2752

Re: Small company 401k plans

I don't know the fees, but our small company uses Slavik and has Vanguard funds and seems to have reasonable (and transparent) fees.
https://www.slavic401k.com/
by roymeo
Sat Mar 24, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5557

Re: Help needed before I go mad :D

You've been gambling for 2 years, not investing.
by roymeo
Thu Mar 22, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449897

Re: U.S. stocks in freefall

Tariffs really under-market-perform.
by roymeo
Fri Feb 23, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Review ettiquette
Replies: 24
Views: 2270

Re: Review ettiquette

I'm so glad the companies I work for have moved away from those sort of rigid metrics and intense annual reviews. It sounds like: For the previous year, the employee did not perform at a "meets expectation" level. They had stuff come up that affected their job performance and needed some coaching to...
by roymeo
Tue Feb 13, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth progression: what am i doing wrong?
Replies: 32
Views: 7251

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: 7219

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: 6683
Views: 1449897

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: 14823

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: 6683
Views: 1449897

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: 6683
Views: 1449897

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: 5432

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: 5903

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: 6382

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: 934

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: 1075

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: 4626

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: 149
Views: 9421

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 [Should my wife take COBRA coverage?]
Replies: 20
Views: 1852

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: 9663

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: 2009

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: 31324

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: 1823

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...