Search found 1261 matches

by roymeo
Fri Feb 11, 2022 4:38 pm
Forum: Investing - Theory, News & General
Topic: Hi! I'm high inflation. Nice to meet you.
Replies: 980
Views: 110467

Re: Hi! I'm high inflation. Nice to meet you.

Did you not realize that high inflation was a possibility when you constructed your portfolio? What if we actually see an extended period of low inflation and/or deflation - are you going to revert your portfolio changes or make new changes based on that environment? Do you have some sort of research or studies that show that inflation whip-saws around so quickly that one can't have any hope of understanding what rates inflation will reasonably have and as a result the best thing to do is quit worrying and build a portfolio to weather all inflations? I had some inflation protected assets but scrapped all but the I Bonds as it was clear that it wasn't necessary for quite a while. Probably held on too long. All unknowns are not the same. The...
by roymeo
Mon Feb 07, 2022 3:47 pm
Forum: Investing - Theory, News & General
Topic: Hi! I'm high inflation. Nice to meet you.
Replies: 980
Views: 110467

Re: Hi! I'm high inflation. Nice to meet you.

Did you not realize that high inflation was a possibility when you constructed your portfolio? What if we actually see an extended period of low inflation and/or deflation - are you going to revert your portfolio changes or make new changes based on that environment? Do you have some sort of research or studies that show that inflation whip-saws around so quickly that one can't have any hope of understanding what rates inflation will reasonably have and as a result the best thing to do is quit worrying and build a portfolio to weather all inflations? I had some inflation protected assets but scrapped all but the I Bonds as it was clear that it wasn't necessary for quite a while. Probably held on too long. All unknowns are not the same.
by roymeo
Mon Jun 28, 2021 12:27 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 244
Views: 24582

Re: Does a cheap road bike really exist?

Hope I'm not hijacking, but I'm definitely looking for a better bike to put on my e-trainer than my current rain-bike. Don't care that the wheels are crap and OMG aluminium!
by roymeo
Mon Jul 06, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Toyota Venza
Replies: 23
Views: 4367

Re: Toyota Venza

Just replaced the foglights on my 2009 Venza this weekend (a rock had broken one of the glass housings). We chose the Venza for the tow package for hauling our teardrop trailer. Haven't heard the dashboard squeek in ~1 year.
by roymeo
Mon May 11, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

Bitcoin vs. FANG + whatever

Bitcoin vs. FANG + whatever

So there's different scales on each side of that chart...is this really the best fit, or is it the best story?
by roymeo
Mon Jan 06, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Just got a rent check dated 1/1/19
Replies: 41
Views: 4625

Re: Just got a rent check dated 1/1/19

I doubt anyone at the bank ever notices the date. Even if it says "1/21/2020", I bet it would deposit today. I've seen that happen.
by roymeo
Thu Dec 05, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 371
Views: 48466

Re: Follow Up: Husband's Surprise Debts

stanford73 wrote: Wed Dec 04, 2019 9:48 am Thanks--that's very helpful. The HELOC is maxed out--$80k all withdrawn without my knowledge or approval. And, yet, I'm responsible for half that debt now.
I think you're probably responsible for all of it. Unless I misunderstand how mortgages and HELOCs are structured... You're both responsible for the whole amount. If DH dies, disappears in a foreign country, decides to just sit at home and play video games and eat twinkies, whatever, there's a lot of serious legal maneuvering to only have you pay back 'your half' and be in the clear.
by roymeo
Wed Nov 27, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 371
Views: 48466

Re: Follow Up: Husband's Surprise Debts

That water expense sounds like the deaf friends that didn't hear their toilet running for a couple of months so didn't notice anything going on until they got their bill. But maybe it's just watering the putting green out front.
by roymeo
Sat Sep 21, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 116
Views: 13350

Re: BofA ShopSafe going away

"How do I use a no-longer supported OS to get my security code to protect the bank?"
by roymeo
Fri Sep 20, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 116
Views: 13350

Re: BofA ShopSafe going away

So the thing the bank made to protect itself from false charges (which requires the user to go to extra work to protect the bank) costs more than it is worth to them.

Definitely not worth my time.
by roymeo
Tue Aug 27, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

Re: U.S. stocks in free fall

rascott wrote: Tue Aug 27, 2019 1:50 pm Worse than investing your money in 1929 would have been doing so in 1999? :oops:
Luckily I did not have a hypothetical chunk of money to invest as a single lump sum payment at an arbitrary point in time.
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: 10268

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

wade22 wrote: Wed Aug 07, 2019 6:42 am 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 highschool.
Well that's because it's the reskinned Dollar Savings Direct, which was the reskinned Emigrant Direct site.

I've chased the rates through them, nice that the UI model doesn't change.
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: 10268

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: 10491

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: 3247

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

Vision wrote: Thu Jul 25, 2019 1:13 pm
danielbird193 wrote: Thu Jul 25, 2019 4:56 am 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 portfolio?
Was in cash during that time.

You avoided the question rather than answering it.
At some point...before Q4?...you went all cash?
At some point after the first months of 2019 you went back?

What's the performance of that compared to having left it in the market?
by roymeo
Tue Jul 09, 2019 5:26 pm
Forum: Personal Investments
Topic: paper gold or physical gold?
Replies: 37
Views: 4230

Re: paper gold or physical gold?

IslandTime wrote: Tue Jul 09, 2019 7:10 am 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 "the next few years" without getting yourself into something too outrageous on the short or long term side.
by roymeo
Wed May 22, 2019 6:50 pm
Forum: Personal Investments
Topic: New 401k transfer old or not??
Replies: 10
Views: 771

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: 23379

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: 7335

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 sort of thing.
by roymeo
Tue Apr 09, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 7335

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's ok, sorry for the bother" letter with a $20 stapled to it.

Oh yeah: That's probably an OR, not and AND.
They can't make you pay this month's full rent AND kick you out on the 11th when you just paid for the full month.

Pay now, or get out. Not: Pay now and get out.
by roymeo
Tue Mar 26, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 15251

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 maneuvered me into a brick wall with a 2" long 1/4" copper pipe sticking out of it that I hit the front of my shoulder on. It gave me a nearly perfectly square bruise on that shoulder. For the next couple weeks whenever I'd see it in the mirror, it would look like some sort of sci-fi military insignia. So I gave myself a promotion by getting it inked on the front and back of both shoulders. Or I've have it up to *here*. Or maybe I'm having ...
by roymeo
Fri Feb 15, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of an unsolicited retroactive pay raise?
Replies: 24
Views: 2510

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 general balancing across different project groups. I'd fought hard for my team to get some big steps up in that review/reward cycle which was mostly completed before news of shifting the employees around. I then got to tell them things like "here's a mid 4-figure annual pay raise that you earned and I pushed hard to make happen" followed by putting a sugar coating on "and since you've been dramatically underpaid for the past 6 yea...
by roymeo
Sat Feb 09, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 2795

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 cages?
How sure am I that the cultured meat hasn't had most of the male cells treated as a waste product?
How sure am I that the cultured meat hasn't been physically, painfully altered for the convenience of the owner?
by roymeo
Sat Feb 09, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 16032

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 5:56 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 3751

Re: Tips/suggestions for skiing out west?

When something gets in your way: Turn.
by roymeo
Fri Feb 01, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 22022

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 10:44 am
Forum: Personal Consumer Issues
Topic: Victim of my own success! How to deal with a complex life?
Replies: 103
Views: 11211

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

knightrider wrote: Thu Jan 24, 2019 10:35 am 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 while twisting his arm behind his back and pressing a board with 20 drywall screws sticking out into the skin of his arm and releasing the fire ants.

"Well, don't do that!"

"How will the fire ants get any excercise if I don't? ... Ouch, it hurts when I do this!"
by roymeo
Tue Jan 22, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1071
Views: 202954

Re: Boglehead Beer

Good thing it's not 2017 anymore--we're safe.
by roymeo
Wed Jan 16, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 74
Views: 12710

Re: Vanguard will use blockchain to share index data

ResearchMed wrote: Wed Jan 16, 2019 9:45 am
'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+o ... e&ie=UTF-8
by roymeo
Wed Jan 16, 2019 1:08 pm
Forum: Personal Investments
Topic: stuck forever in alternative funds after tax loss harvesting?
Replies: 12
Views: 1074

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 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering Interest?
Replies: 7
Views: 600

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 5:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

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 5:46 pm
Forum: Personal Investments
Topic: Marijuana [Stock]
Replies: 51
Views: 6596

Re: Marijuana

I don't know what it is, but boy do I want to buy it!
by roymeo
Tue Nov 27, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

Re: Market Forecasts?

"I had to pay taxes!!"

Man, that is literally the definition of "brutal".
by roymeo
Tue Nov 20, 2018 6:46 pm
Forum: Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 5262

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

pkcrafter wrote: Tue Nov 20, 2018 11:41 am 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 4:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

Re: U.S. stocks in freefall

Christine600 wrote: Tue Nov 20, 2018 11:14 am 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 lost nearly 20%, on the cusp of what’s generally defined as bear-market territory. In the last six weeks, the FAANGs combined have lost $728 billion in market value.
https://www.marketwatch.com/story/there ... 2018-11-20
Huh. So if a company stock is doing badly because of company performance, the CEO should just say "we're in a bear market"?
I don't think that's how that works.
by roymeo
Tue Nov 13, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

Re: U.S. stocks in freefall

tadamsmar wrote: Tue Nov 13, 2018 7:18 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 7:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651126

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. Calling December 2007 in December 2005. Not sure I'd want to miss out on all those 2 year chunks of the market.
by roymeo
Thu Oct 25, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119374

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: 5976

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 ~2007. As layoffs were beginning/contemplated, management suddenly woke-up to all that accrued vacation time on the books. Adobe started with quarterly week-long shutdowns for a year or two that burnt off accrued vacation time (or you went unpaid during the shutdown) and once they'd gotten the books clear switched to the no-accrual, not tracked by HR system. I think the formal policy was something like "you get two or three weeks, talk to your m...
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: 5976

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: 2579

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: 366

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: 376

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: 5035

Re: First-time victim of credit card fraud

new2bogle wrote: Thu Sep 27, 2018 1:23 pm 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. Chips are supposed to make that harder to forge.

The "they" running that scam are much more likely to be getting numbers from software exploits, cracking databases, or buying them from someone who's done it, not from paying that poor waiter to do something nefarious with your 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: 5035

Re: First-time victim of credit card fraud

moehoward wrote: Wed Sep 26, 2018 6:59 pm 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 particularly worried about.

https://krebsonsecurity.com/2015/01/how ... rd-stolen/
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: 5035

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 Australia and Britain, so I now suspect anyone with a Commonwealth accent. I've had the occasional other misused charge come through, about 50% of the time the bank's telling me about it, 50% I notice something illegitimate. I've never had to pay such a charge. Far more often it's a legit charge that I or my spouse can't figure out what the legit purchase was and we're wasting our time protecting the bank. Yeah, I guess it's a god idea to keep y...
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: 7167

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 investment tool for said asset class, get to building. edit to add, rather than make a new post: I say it is a little disappointing however because there does not seem to be an overt fund I can invest in, which would capture the benefits of that growth rate. Im looking for a practical step I can actually take. There doesn't seem to be an overt fund to invest in? Do you mean that you've decided that only a fund that has been around since 1900 could possi...