Search found 1250 matches

by roymeo
Wed Aug 07, 2019 12:55 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8248

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Wouldn't be very worried, I know my money isn't ultimately at risk, I just would prefer to, ya know, not use shady looking banks. I think MySavingsDirect takes the cake for that one. Button advertisements for gold and home foreclosures on the homepage that looks like it was designed by me in highsc...
by roymeo
Tue Aug 06, 2019 3:01 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8248

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

www.mysavingsdirect.com is still 2.4%.

This is the third name for the EmigrantDirect/DollarSavingsDirect account.
by roymeo
Tue Jul 30, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6035

Re: What's your Uber passenger rating?

I dunno, I deleted my account.
by roymeo
Thu Jul 25, 2019 3:28 pm
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2301

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

So how did your portfolio do during Q4 of last year? During this quarter the us and world stock markets almost went into bear territory (-20% from top). How did your portfolio do? And how did it recover in the first month s of 2019? What trades did your advisor do during this period to protect your...
by roymeo
Tue Jul 09, 2019 5:26 pm
Forum: Personal Investments
Topic: paper gold or physical gold?
Replies: 37
Views: 2343

Re: paper gold or physical gold?

I'm going to use some "gambling money" to bet that gold will rise substantially in the next few years. If that is the reason, then worrying about ETF ties to the banking industry in the case of the complete meltdown of society isn't something you're interested in. Just invest in a liquid market for...
by roymeo
Wed May 22, 2019 6:50 pm
Forum: Personal Investments
Topic: New 401k transfer old or not??
Replies: 10
Views: 502

Re: New 401k transfer old or not??

I transfer the old 401k's into my main Vanguard account(s) rather than being at the whim of my employer's financial plans.
by roymeo
Fri May 03, 2019 12:45 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 18891

Re: What non fiction book will you be reading in 2019?

Working smart: How to accomplish more in half the time by Michael LeBoeuf
https://amzn.to/2PIC17X
by roymeo
Thu Apr 11, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 5879

Re: Notice to vacate/late rent

Horay! Glad it was really just a terrifying message. I haven't been a landlord, but I've certainly heard stories of the trouble people have had to go through to get non-paying tenants out some times--the language scares the bejesus out of normal people but there are people that barely blink at that ...
by roymeo
Tue Apr 09, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 5879

Re: Eviction notice

The documents like that have to be harsh sounding. 1: They want you to react ASAP. 2: If you are a deadbeat, they have to be legally firm with you. I had one of those once when they rental manager company deposited my check in their mortgage good-faith account. In the end they sent me a "everything'...
by roymeo
Tue Mar 26, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9177

Re: Tattoos and Bogleheads

I had the birthmark (slightly darker skin) on my back outlined in black. It was inspired by my artistic method of using the flaws inherent in the medium. Got it done by Arbuckle, THE tattooist of Cedar Rapids, IA at the time . I was once slowly riding my bike next to my partner who accidentally mane...
by roymeo
Fri Feb 15, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of an unsolicited retroactive pay raise?
Replies: 24
Views: 1979

Re: Anyone ever heard of an unsolicited retroactive pay raise?

Yeah, when my large project team was dispersed through the rest of the large tech company, there was a lot of balancing that happened. A good part of it was because one of the key previous hiring managers was too good at hiring people below what they should have been making. There was also just some...
by roymeo
Sat Feb 09, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1840

Re: Would you eat lab grown meat?

How sure am I that the cultured meat hasn't been mistreated by the owners or random farmhands taking out their angst against the poor culture? How sure am I that the cultured meat hasn't been neglected by the owners or caregivers? Not kept in the cold, or starving, or muddy fields, or tiny little ca...
by roymeo
Sat Feb 09, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 6745

Re: Buying house with son [and his girlfriend]

"girlfriend" needs more definition these days as it's not the 1950's (or 1980's) anymore. How financially bound are they?
by roymeo
Fri Feb 08, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 2825

Re: Tips/suggestions for skiing out west?

When something gets in your way: Turn.
by roymeo
Fri Feb 01, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10967

Re: How much do you keep in checking?

Enough that I don't have to worry about the occasional property tax payment forcing me to shift money around, but not so much that I can pay for an earthquake retrofit or solar panel installation without shifting money around.
by roymeo
Thu Jan 24, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Victim of my own success! How to deal with a complex life?
Replies: 103
Views: 9306

Re: Victim of my own success! How to deal with a complex life?

The problem is my investing strategy evolves as I've gone into middle-age and have a family. Plus it takes research to find a good investment stratgey. Yes, multiple people have already suggested that THIS is one of the problems. "Doctor, doctor, it hurts when I move my arm like this," he said whil...
by roymeo
Tue Jan 22, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 167000

Re: Boglehead Beer

Good thing it's not 2017 anymore--we're safe.
by roymeo
Wed Jan 16, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 71
Views: 9635

Re: Vanguard will use blockchain to share index data

' But couldn't the blockchain be manipulated by someone who just puts in more and more computers into that blockchain to sway the 50%? Or buy out multiple parties? " RM Yes, and that's a real concern. Clever of you. https://www.google.com/search?q=50%25+of+bitcoin+problem&oq=50%25+of+bitcoin+probl...
by roymeo
Wed Jan 16, 2019 2:08 pm
Forum: Personal Investments
Topic: stuck forever in alternative funds after tax loss harvesting?
Replies: 12
Views: 682

Re: stuck forever in alternative funds after tax loss harvesting?

The tax you pay on gains will come out of the tax you don't pay because of losses. Switch to your desired fund.
{insert tax-tail wagging the investment-dog here}
by roymeo
Tue Jan 15, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering Interest?
Replies: 7
Views: 433

Re: Lowering Interest?

Yes. I've seen it in all 3 or 4 of the originator-buyers of my home loan, and our loan angents said you pretty much can't find a loan that isn't written that way anymore.
by roymeo
Tue Dec 18, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Market's gotta drop a lot more before any of my taxable's in TLH territory...
by roymeo
Wed Nov 28, 2018 6:46 pm
Forum: Personal Investments
Topic: Marijuana [Stock]
Replies: 51
Views: 5460

Re: Marijuana

I don't know what it is, but boy do I want to buy it!
by roymeo
Tue Nov 27, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: Market Forecasts?

"I had to pay taxes!!"

Man, that is literally the definition of "brutal".
by roymeo
Tue Nov 20, 2018 7:46 pm
Forum: Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4811

Re: My Name is Paul, and I am a Larimore Boglehead

pkcrafter wrote:
Tue Nov 20, 2018 12:41 pm
Random Fund data:

https://www.morningstar.com/portfolio.h ... ViewPage=5
That just shows me my 'random' funds from last time I used the site 15 years ago, I think. After I logged in when forced to.
by roymeo
Tue Nov 20, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in freefall

Could it be that the bear has got faangs? But over the last few weeks, these stocks have been decimated: Facebook has plummeted by nearly 40% as of Monday’s close, Netflix has plunged 35%, and Amazon has declined by 26%, putting all three deep in bear markets. Two others, Apple and Alphabet, have l...
by roymeo
Tue Nov 13, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in freefall

tadamsmar wrote:
Tue Nov 13, 2018 8:18 am
Does everyone know that the market has been twice as high by the PE metric?
No, but everybody knows the dice are loaded.
by roymeo
Mon Nov 05, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in freefall

Wow, a recession is coming within a very specific number of months. 24 to be exact. Sounds so much better to say 24 months rather than 2 years. Adds to the quality of the argument. Let see, 2 years before...that's like calling the July 1990 recession in July 1988. Calling March 2001 in March 1999. C...
by roymeo
Thu Oct 25, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139991

Re: U.S. stocks continue to soar!

One potential scenario is to recover ~3/4 of the draw-down by Xmas week.
One potential scenario is to recover ~1/2 of the draw-down by MLKJr. week.
by roymeo
Fri Oct 19, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5191

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

A lot of companies at least in my industry and geography (Silicon Valley) appear to be transitioning to an flexible vacation policy (often incorrectly called “unlimited” vacation). Nothing gets accrued, nothing gets paid out when the employee leaves. Yeah, I saw a lot of them doing it starting ~200...
by roymeo
Fri Oct 19, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5191

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Other than "it's customary/tradition" why would they consider 2 weeks notice to be required?
by roymeo
Wed Oct 17, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1833

Re: Treasuries safe?

Direct purchase of treasuries, or mutual funds holding them as their primary investment?
by roymeo
Mon Oct 08, 2018 6:17 pm
Forum: Personal Investments
Topic: Exchange Funds Within TIRA
Replies: 3
Views: 203

Re: Exchange Funds Within TIRA

No tax implications for moving money around from one account to another within your Traditional IRA (or Roth IRA, or Solo 401k, or SEP, etc).
by roymeo
Fri Sep 28, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bug with Turbo Tax and state admendment
Replies: 1
Views: 269

Re: Bug with Turbo Tax and state admendment

Have you tried TurboTax support?
by roymeo
Thu Sep 27, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 4177

Re: First-time victim of credit card fraud

The last time my card number was stolen (not physical card) the perp went and got some fried chicken. I didn't understand that one - how can you buy food at a fast food place when I still have my physical card? "They" just need enough of the info that goes into a card and write them to a new card. ...
by roymeo
Thu Sep 27, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 4177

Re: First-time victim of credit card fraud

I've had my CC compromised but never lost money. We figured ours was taken from a restaurant. Since then, we always pay cash at restaurants and gas stations. We also use Virtual CC when doing online purchases. The banks thank you for your extra effort to protect them from something they're not part...
by roymeo
Wed Sep 26, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 4177

Re: First-time victim of credit card fraud

I once had 2 cards that were held with the same bank get stolen within a week of each other. One was only even ever taken out of the envelope to put it in the box with 10's of others and never used by me. (Ask me about the night I cancelled 100k in credit cards in <$5000 accounts.) They were used in...
by roymeo
Fri Aug 31, 2018 3:27 pm
Forum: Non-US Investing
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 6048

Re: Enough. How do I invest in Australia.

Someone made a claim about some asset class performing better for a broad enough range of time that it little resembles today's investing environment. I demand you provide me the tool to invest in this thing that the internet claim was made about. If that requires a time machine to create an investm...
by roymeo
Wed Aug 29, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in freefall

GoldStar wrote:
Wed Aug 29, 2018 11:49 am
What kind of "U.S. stock" is this?
I believe corn18 is saying that crossing into negative on this scale is a leading indicator of a market meltdown and we are almost crossing into negative.
by roymeo
Mon Aug 27, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139991

Re: U.S. stocks continue to soar!

GoldStar wrote:
Mon Aug 27, 2018 6:34 pm
I sometimes wonder why I've spent the last 9 years rebalancing - I would have been far better off if I had just let the equities ride all these years!
I would have been far better off only buying the winners, too!
(cept I wouldn't sleep at night)
by roymeo
Mon Aug 13, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 7607

Re: Mid 30s Crisis: Personal budget, savings and goals

There's some contradictions in your thinking, IMHO. You feel the need for a huge cash buffer because our jobs are in an unstable environment. You play at stock picking. (Maybe also throw in: You felt the need to hold on to all those RSU's. But I can't tell exactly your reason for that, guessing it's...
by roymeo
Wed Aug 08, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Converting digital safe combo to dial
Replies: 9
Views: 799

Re: Converting digital safe combo to dial

I have a garage door wireless remote keypad that I've discovered eats the expensive lithium ion batteries we started using after the inital cheapy NiCad that shipped with it died after a year or so. Switched back and it's been fine.
by roymeo
Tue Jul 24, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Peak Oil, Reloaded?
Replies: 45
Views: 4270

Re: Peak Oil, Reloaded?

No business has changed in the past 30 years; Peak Oil is the only change on the horizon?

Or is the business environment for every sector and industry constantly changing, sometimes small, sometimes large?

Applying a sexy name to it makes it easier to paint yourself into a conceptual box I suppose.
by roymeo
Tue Jul 17, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 11105

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: 813

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: 6116

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: 6116

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: 6116

Re: How do normal people afford the Bay Area?

$200k/year easily survives the bay area. Sheesh.