Search found 1220 matches

by roymeo
Wed Oct 17, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1438

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: Investing - Help with Personal Investments
Topic: Exchange Funds Within TIRA
Replies: 3
Views: 150

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: 217

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: 3727

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: 3727

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: 3727

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: Investing - Help with Personal Investments
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5527

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 freefall
Replies: 7378
Views: 1548760

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: 321
Views: 33661

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: 7313

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: 703

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: 3927

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: 10131

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: 690

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: 5428

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: 5428

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: 5428

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: 1501

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: 1501

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: 112
Views: 13087

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: 1141

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: 3851

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: 6120

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: 4275

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: 3639

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: 13632

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: 13632

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: 13632

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: 13632

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: 9336

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: 9082

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: 9082

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: 10093

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: 1444
Views: 620771

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: 7378
Views: 1548760

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: 4584

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: 2150

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: 3338

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: 5961

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: 7378
Views: 1548760

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: 2375

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: 7420

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: 7519

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: 7378
Views: 1548760

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: 15948

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: 7378
Views: 1548760

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: 7378
Views: 1548760

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...