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Re: What would you do with 1.25 million dollars for 1 year?

You just sold a business where the TAX on the gain is $1,250,000 and you are worried about losing $12,500 in interest (minus taxes, of course) for the hassle to finding several safe places to hold the money, creating new accounts (I hope no one steals your identify in the process), monitoring the a...
by Raybo
Thu Mar 26, 2015 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3375

Re: What would you do with 1.25 million dollars for 1 year?

You just sold a business where the TAX on the gain is $1,250,000 and you are worried about losing $12,500 in interest (minus taxes, of course) for the hassle to finding several safe places to hold the money, creating new accounts (I hope no one steals your identify in the process), monitoring the ac...
by Raybo
Thu Mar 26, 2015 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3375

Re: Why allocate to bonds if receiving a Government pension?

To me, you are confusing investing with paying expenses. If you have 40% of your retirement expenses paid for by a pension, then you have to find a way to cover the other 60% of your expenses. Since you are still working, you could create a portfolio of bonds that will pay the 60% of your post-retir...
by Raybo
Mon Mar 23, 2015 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why allocate to bonds if receiving a Government pension?
Replies: 3
Views: 540

Re: Need a new sub-forum for guns?

I would agree that maybe we need a sub-forum for various consumer products. Cars and guns would be good examples. This would allow people looking for such advice to find all the previous threads in the same place without having to have all the information repeated.
by Raybo
Sat Mar 21, 2015 12:18 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 17
Views: 1550

Need a new sub-forum for guns?

It seems that we are getting more and more threads about guns.

Maybe it is time to have a separate sub-forum just to discuss guns.
by Raybo
Sat Mar 21, 2015 9:54 am
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 17
Views: 1550

Re: Restaurant tipping

I find that I tip better at restaurants that I expect to go back to than those I'll only eat at once. My reasoning is that I want the wait-staff to remember me as a "good tipper." At those places I usually leave 20% or more. At places I'll only visit once, I base my tip on the quality of t...
by Raybo
Sat Mar 21, 2015 9:51 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 178
Views: 9851

Re: Equity Indexed Annuities

Let me start by saying I don't know much about these investments, but here is what I think: Indexed Annuities are based on stock indexes, like the S&P 500. They guarantee no losses but severely limit the upside. You get the return of the index (no dividends) up to a maximum. If it goes down, you...
by Raybo
Fri Mar 20, 2015 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Equity Indexed Annuities
Replies: 12
Views: 517

Re: 2015 Annual Conference Bogleheads Vegans & Vegetarians

I am a vegetarian who is happy to eat vegan. But, I will have no transportation. So, I would like to be part of any outing(s).

I'll be staying at the hotel.
by Raybo
Fri Mar 13, 2015 9:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2015 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 10
Views: 944

Re: American Funds beats the market 97% of the time?

I've now taken a closer look at the footnotes to the report you mention. In truth, American Funds don't invest against an index. Take their balanced fund, as an example. Here is the index used: American Balanced Fund (60% Standard & Poor’s 500 and 40% Barclays U.S. Aggregate indexes) Yet, its ap...
by Raybo
Fri Mar 13, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5206

Re: American Funds beats the market 97% of the time?

The S&P 500 is the 500 largest public companies in the US. Comparing a fund's return to the S&P 500 is only applicable to funds that invest in similar companies. In addition, the "index" doesn't include dividends. Third, the S&P isn't the "entire" market. Thus, statin...
by Raybo
Fri Mar 13, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5206

Re: $600 night guard for teeth grinding, really?

Mine wanted $1000 for one. I asked on here and got advice to buy one at a pharmacy. The one I got ($50) uses boiling water to soften a gel that you then bite onto to form an impression of one row of teeth (upper ones for me). It takes a bit to get used to, but once I got used to it, I don't notice i...
by Raybo
Thu Mar 12, 2015 9:56 am
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 5606

Re: What are some common misconceptions found in this forum?

That a $10 watch is as good as a $5,000 one.
by Raybo
Wed Mar 11, 2015 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16396

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I need a ride to the conference from somewhere near Princeton, NJ. Please PM me if you might be able to offer me one.
by Raybo
Tue Mar 10, 2015 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8303

Re: Rebalancing into a black hole

This is what it felt like I was doing in 2008-9. I kept selling bonds and buying stocks as the bottom fell out. It was hard to do it but I kept at it, watching as the money I put into stocks shrank day after day. At the bottom of the market, in early 2009, I had had enough and stopped rebalancing fr...
by Raybo
Tue Mar 10, 2015 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing into a black hole
Replies: 12
Views: 1291

Re: New Homeowner Gift

The best housewarming gift I got was a small plant in a very nice pot. The plant is now over 20 years old and it still reminds me of that first party in the new house.

The house has since been sold (topping my retirement funds to the SWR level) but I still have the plant.
by Raybo
Wed Mar 04, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 31
Views: 1670

Re: Ulysses Contract

I wonder if Vanguard could implement a way for its customers to make it hard for themselves to sell under certain conditions. As an example, I could set-up my account so that if the market is down a set percentage, I couldn't sell over the internet, but had to do it via US Mail. Or, I could only sel...
by Raybo
Wed Mar 04, 2015 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Ulysses Contract
Replies: 12
Views: 1260

Re: Retirement planning - Too soon for TIPS?

I like the idea of matching my future liabilities with inflation-protected investments (IBonds or TIPS). I am already retired and have a good idea of the shortfall (expenses - SS) that I will have (assuming no major health expenditures) when I turn 70. For me, it is in the $20K/year area. Having IBo...
by Raybo
Wed Feb 25, 2015 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 25
Views: 2344

Re: What are Costco's best deals?

Things we always buy at CostCo:

Frozen organic blueberries
Walnuts
Almonds
Tomatoes
Kiwis
by Raybo
Tue Feb 24, 2015 7:54 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19903

Re: Recapturing gains due to TLH at the 0% level

Tactics of capturing the tax loss. :?: Assuming the purpose of harvesting a tax gain now is to be able to take a tax loss later at some opportune time is it In my case, I've already harvested the loss and it has covered several years of capital gains and a $3000 Roth conversion. Those losses have b...
by Raybo
Tue Feb 24, 2015 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 891

Re: How do you plan on spending your time during retirement?

Mostly I tour around on my bicycle.

Generally, I am either planning a bike tour, riding my bike on tour, or writing up the journal of a recent tour. You can read all my journals here.

Currently, I am planning a tour of northern Italy. I leave April 7.
by Raybo
Mon Feb 23, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3154

Re: Recapturing gains due to TLH at the 0% level

............................... Your state taxes might be different and you might own capital gains taxes to them. ........................... or worse...........in some states, you pay ordinary income rates for CGs. In California, CGs are taxed as ordinary income. There is no way to avoid this (I ...
by Raybo
Mon Feb 23, 2015 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 891

Re: Recapturing gains due to TLH at the 0% level

Doc,

Neither of us are getting Social Security (she is too young, I am waiting to 70).

Powermega,

The was very helpful. Specifically, the advice about a) state taxes and b) deductions. I'll have to factor those in before December 31, 2015.
by Raybo
Mon Feb 23, 2015 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 891

Recapturing gains due to TLH at the 0% level

I harvested serious tax losses during the 2007-8 bloodbath in the market and have been writing off all my capital gains (including sales of shares to fund retirement) since. That will come to an end in 2014. My wife will be retired in 2015 and we will be in the 0% capital gains tax bracket. It seems...
by Raybo
Mon Feb 23, 2015 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 891

Re: Best Use of TIPS Fund in Retirement

What, exactly, are you trying to accomplish by buying a TIPS ladder?
by Raybo
Sat Feb 21, 2015 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1617

Re: Best Use of TIPS Fund in Retirement

I have most of my TIPS investment in the Vanguard TIPS fund. I also hold IBonds and an individual TIPS (bought in 2008 when the market went a bit crazy). I would be happy to have a TIPS ladder to cover the estimated short-fall between my Social Security and expenses, which I estimate to be in the $2...
by Raybo
Sat Feb 21, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1617

Re: What is your favorite consumer product?

Green and Black 70% chocolate bar
Kirkland Organic Frozen Blueberries
by Raybo
Wed Feb 18, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11215

Re: Just no petroleum or defense?

I wonder if Swedrowe's small cap value and Treasuries would work for you. i don't know how much small cap funds contain of oil and gas but, at least, it is a well-researched and recommended approach to investing. Another approach is to invest in broad indexes and then donate the return you get from ...
by Raybo
Sun Feb 15, 2015 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 3028

Re: Advantages of working past your number

Dying with more money.
by Raybo
Fri Feb 06, 2015 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of working past your number
Replies: 53
Views: 4149

Re: Be wary of potential scam messages

Sometimes I have to send emails that might appear to be (or are marked as) spam, as I have to send programming code I've written for someone. I also send out emails with photo attachments and while on the road in foreign countries. Whenever I do, I always include something personal about the recipie...
by Raybo
Fri Feb 06, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be wary of potential scam messages
Replies: 9
Views: 840

Re: How to fire a client?

Not the same thing as you state, but I used to give programming courses to corporations long ago. When I wanted to stop leading classes for my long-term (over 10 years) client, I found them another vendor and told them it would be better and cheaper to hire them to do the work I was doing. The hando...
by Raybo
Sun Feb 01, 2015 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4954

Re: Loan Terms -- Helping a friend going through Divorce?

my goal is I think to steer the friend to realize there is a cost of this plan and that my timeline to be paid back is 1 year. Why are these your goals? Does you friend not understand that loans incur costs? Does your friend not understand that loans have to paid back? I understand that you don't w...
by Raybo
Sun Feb 01, 2015 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 35
Views: 2671

Re: Filed your 2014 Federal Taxes yet?

My wife is a partner in an S-Corp and its taxes have to be done before we can do ours. We usually file close to April 15.
by Raybo
Sat Jan 31, 2015 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4162

Re: The lowest stock allocation you plan to stay with

I have been retired since 2000 (not the best year to pull the plug) and had a 60/40 stock/bond allocation for most of that time. In 2008, I began selling bonds and buying stocks as the market tanked (the last of my losses are being written off this year!). At the very bottom of the market, I could n...
by Raybo
Fri Jan 30, 2015 10:34 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4477

Re: Save More or Travel More ?

My suggestion is to establish a travel budget in your yearly expense allocation that allows you to take your family on one or more trips a year and still allows you to meet your savings goals. Remember, the future is uncertain. Saving for an uncertain future by foregoing experiences in the present i...
by Raybo
Thu Jan 29, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 1680

Re: Anticipating the pain [of one day portfolio drop]

It sure seems people feel that the money invested in a retirement account that won't be called on for decades is an important barometer of where they will be in decades. It is the wrong way to look at it. The amount of money in a retirement investment is only relevant when it is close to being spent...
by Raybo
Wed Jan 28, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2850

Re: What about this withdrawl strategy?

What does it mean for the value of equites to "go up?" Say, it is 2008 and the market is down 50%. Then, in 2009, the market has recovered half of the loss. Have your equities "gone up?" If not, how long will you wait before replenishing your cash? Will you allow it to get down t...
by Raybo
Fri Jan 23, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: What about this withdrawl strategy?
Replies: 23
Views: 2215

Re: Biking in So. California

So, is the idea is to do loop or out and back rides?

Is San Luis Obispo part of Southern California? It is usually considered the dividing line. Here is a list of rides recommended by the SLO biking club: http://www.slobc.org/rides/ride-routes.html#main
by Raybo
Fri Jan 16, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Biking in So. California
Replies: 9
Views: 819

Re: Biking in So. California

A bit more information might help.

Do you like riding in the desert? What about along the coast if it involves being on the shoulder next to cars? How far are you willing to drive? Will you be staying in LA or can you be anywhere in southern California?
by Raybo
Fri Jan 16, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Biking in So. California
Replies: 9
Views: 819

Re: Free (or REALLY cheap) image hosting?

I use picasaweb, a feature of Google. For a free sign-up, you get Google's servers and multiple gigabytes.

I use it for all my bike touring photos, hundreds so far.
by Raybo
Wed Jan 14, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 1490

Re: Alternatives to TurboTax

I was a TurboTax guy until they (intuit) limited the use of the software to a single computer back about 10 years ago. I switched to Tax Cut which is now owned by H&R Block and is called At Home, I think. I've used it every since and find it does the trick for me. I believe it will read in last ...
by Raybo
Wed Jan 14, 2015 12:39 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 3038

Re: What was your costliest investment mistake?

Letting a stock trader trade in my account. He margined me into a stock that lost enough that I got a margin call. It cost me $40K to get out of that position.
by Raybo
Tue Jan 13, 2015 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 130
Views: 11319

Re: Any one use Vangurad for SEPP?

I have now set up a SEPP distribution from my wife's IRA from Vanguard. They did nothing to help me and will do nothing to make it easier to report this as a SEPP distribution on our tax returns. I went to the excellent 72t.net site suggested by Alan S. and used its calculator to determine the amoun...
by Raybo
Wed Jan 07, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any one use Vangurad for SEPP?
Replies: 6
Views: 1217

Journal of my recent ride across Wales

In the late summer of 2014, I did two, relatively short, bike tours. The first was a 9 day ride across New York (discussed here: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=152131). The second one was a tour across Wales, another 9 day ride, though much harder. I started in Holyhead at...
by Raybo
Wed Jan 07, 2015 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Journal of my recent ride across Wales
Replies: 1
Views: 389

Re: What to do with my stupid losses?

But it's not too late to get any benefit from filings for 2014, correct? Therefore I have until December 2015 to sell them? The loss can be booked anytime between now and December, 2015. But, due to wash rules, you might not be able to buy any marijuana for 31 days after the sale! :happy While you ...
by Raybo
Wed Jan 07, 2015 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my stupid losses?
Replies: 16
Views: 1564

Re: Trip to San Francisco and Wine Country

It would be best to decide where you want to spend time in SF before finding a place to stay. Do you want to spend time near the water (bay or ocean) or do you prefer one of the neighborhoods? Ending up on the wrong side of the city or away from available transit connections would make for more time...
by Raybo
Mon Dec 29, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Trip to San Francisco and Wine Country
Replies: 4
Views: 1161

Re: What would you have done differently when retiring?

Most people only see retirement as a financial decision. When, in fact, it is also a time decision. Even if only half true, the "equation" Time = money" suggests that you are moving from a time poor to a time rich lifestyle. Going from money-poor to money-rich has different consequenc...
by Raybo
Sun Dec 28, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 116
Views: 12845

Re: Any Cyclists With a Brooks Saddle?

As I understand it, there are two types of bicycles seats. One is a "hammock" type like the Brooks B17 and the other is metal covered by something, usually synthetic. The hammock type ones support you by the stiffness of the material and eventually conform to your sit bones. After that, it...
by Raybo
Sun Dec 28, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 1934

Re: Runners, Triathletes, Cyclists,...

I'm not sure I fit in here, but I take long cycle tours. Usually several 50 mile days in a row. I go less/little more depending on stopping place. These are special trips that I look to do once a year. I find it an interesting "exercise" to stay in shape enough so that when the time comes ...
by Raybo
Sat Dec 27, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2108

Re: Santa Cruz 1 day, Monterey 2 days with young kids

The best Mexican food I've ever had was at El Palomar in downtown Santa Cruz.

While I hear there aren't many butterflies this year, the Butterfly Trees in Natural Bridges State park north of the city might be worth a look.
by Raybo
Wed Dec 24, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Santa Cruz 1 day, Monterey 2 days with young kids
Replies: 15
Views: 1249

Re: Favorite computer apps when travelling

Pocket Earth for iOS devices.

You download maps for off-line use and, when airplane mode is turned off, it uses the GPS in the device to show you where you are. Very useful when in a foreign country without a data plan.
by Raybo
Wed Dec 24, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Favorite computer apps when travelling
Replies: 19
Views: 2197
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