Search found 1105 matches

by Raybo
Fri Jul 03, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 6
Views: 998

Re: Journal of my recent ride in Northern Italy

I did a similar trip 18-25 June. Biked (a group of 10) from Bolzano to Venice via Lake La Garda. We did it through Girolibero. For details, see http://www.girolibero.com/en/catalog/bolzano-verona-venice-across-lake-garda-and-through-verona I checked out that tour. I met a group of 4 couples riding ...
by Raybo
Wed Jul 01, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 6
Views: 998

Journal of my recent ride in Northern Italy

In April, 2015, I rode a wide 21-day oval starting and ending at Milan's Malpensa Airport. I rode east along the bottoms of the big, and not so big, Northern Italian lakes all the way to Bassano del Grappa, where I turned north and west, slowly making my way back among the mountains, valleys, and la...
by Raybo
Sat Jun 27, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.
Replies: 4
Views: 550

Re: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.

Imbogled,

Thanks for visiting. I enjoyed taking you, your wife and son around the island. It is great to share the place with others.

The offers still stands, as long as I am around SF.
by Raybo
Thu Jun 25, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 962

Re: Best Educational iPad Apps for Adults?

I liked duolingo for learning a foreign language.
by Raybo
Tue Jun 23, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 70
Views: 7346

Re: Money arguments with spouse and how did you resolve

I have never loaned money to a family member, but I have given it without expectation. It has never caused problems, only good feelings.
by Raybo
Sun Jun 21, 2015 7:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Casual San Francisco Boglehead meet-up?
Replies: 1
Views: 457

Casual San Francisco Boglehead meet-up?

I live in San Francisco and wonder if there are other Bogleheads that work and/or live in the city who would want to meet-up? I would be happy to meet on a workday (lunch or after-work), on the weekend, or any other time that others agree upon. I'm not trying to create an "official" meetin...
by Raybo
Fri Jun 19, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 56
Views: 6911

Re: Your Top 10 Books

The books that most affected both my knowledge of history and thinking is the 14 volume set "The Story of Civilization" by the Durants.

The first thing I did when I stopped working was to (slowly) read these 10,000 pages.
by Raybo
Fri Jun 19, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why Bay Area real estate is so expensive
Replies: 12
Views: 2024

Re: Why Bay Area real estate is so expensive

All of the new houses and other new bldgs. built in the last 10 or 15 years have to be built at much higher cost than other areas of the U.S. due to meeting earthquake standards. Add to that a faster appreciation rate due to demand, well, it's no wonder, is it I am not aware of any open land around...
by Raybo
Thu Jun 18, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13349

Re: The "4% Rule" revisited

Leesbro63 wrote:How many of these threads have there been in the last few years?


My estimate is 4% of all threads :wink:
by Raybo
Thu Jun 18, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13349

Re: The "4% Rule" revisited

I see/use the 4% rule as an easy way to explain to people how to go about planning for retirement. But, most of us will get social security and/or have some other pension money coming in so my out of pocket spending will change over time. There is a kink in my spending at 70 (or whenever I take soci...
by Raybo
Sat Jun 13, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 8446

Re: Aren't bogleheads predicting the long term?

sawhorse wrote:I definitely see people who have their future financial lives planned with the assumption that certain past trends will continue, so I understand how you got that impression.


I'm curious about what assumptions you make when you try to plan your financial future?
by Raybo
Sat Jun 13, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Fraudulent Charge Debited to Schwab Account
Replies: 25
Views: 2635

Re: Fraudulent Charge Debited to Schwab Account

For what it is worth, I put money in a Schwab MM account just to get the debit card which offers foreign exchange at ATMs for the same rate as they are charged. They also reimburse any ATM fees.

Since I travel to the UK a lot (DW is British), this saves a lot of hassle.

I only use it at ATMs.
by Raybo
Fri Jun 12, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 8446

Re: Aren't bogleheads predicting the long term?

It seems to me there is more here than predicting the future market results. I see it as preparing for an unknown future as best I can. As others have said, low cost, diversified investments, liability matching are good ideas regardless of future market direction. But, the market is only one part of...
by Raybo
Thu Jun 11, 2015 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New - Need Help! Which book???
Replies: 28
Views: 2592

Re: Brand New - Need Help! Which book???

My recommendation is not to start investing until you have a plan on what you want to do. Do not, I repeat, do not hire a financial "advisor" until you know more than you do now. You can always put your "retirement" money in a savings account for the short while it will take you ...
by Raybo
Thu Jun 11, 2015 5:37 pm
Forum: Investing - Theory, News & General
Topic: Zimbabwe dollars are now worth something
Replies: 10
Views: 1794

Re: Zimbabwe dollars are now worth something

I wonder how long it will be before the "Retire Rich in Zimbabwe" articles start showing up?
by Raybo
Wed Jun 10, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Re: Rent a bike in SF, ride to LA, and drop it off?

How are you going to make sure you get your bike back at the end and that it's still going to be in decent condition w/o taco'd wheels and the like? I assume rental bikes overall are expensive for just this reason. I've talked with some people in the local bike rental market and they rely on a cred...
by Raybo
Wed Jun 10, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Re: Rent a bike in SF, ride to LA, and drop it off?

I don't think that kind of business would be worth the hassle and I think your market niche is way too narrow. You make good points about the kinds of people riding the coast. I know the market niche is narrow, but given that this kind of service isn't available at present, it is hard to now if peo...
by Raybo
Wed Jun 10, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Re: Rent a bike in SF, ride to LA, and drop it off?

If I wanted to do this bike trip, I would line up craigslist bikes for $400 and buy one on arrival. Ride the tour and then sell it to a bike or pawn shop for what I could get, or if I had the time, put up a craigslist ad as soon as I purchased it for half of what I paid....maybe even including the ...
by Raybo
Wed Jun 10, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Re: Rent a bike in SF, ride to LA, and drop it off?

I do agree in principle that renting a bike is much easier than packaging your own bike, paying the transportation cost, repacking, and shipping again on the backside. If I remember correctly taking a bike one way on a plane is about $200-$250, unless you tell them it is "art", then it's ...
by Raybo
Wed Jun 10, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Re: Rent a bike in SF, ride to LA, and drop it off?

I estimate it would be around $400 for up to a 2 week rental. At that price it is not likely to be appealing to someone that already owns a bike like that. For $200 each way I would think that they could ship their bike to and from California and not have to worry about what problems the rental bik...
by Raybo
Wed Jun 10, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Re: Rent a bike in SF, ride to LA, and drop it off?

The only way I could see this working if it was a fully outfitted self-guided trip for customers who are not regular cyclists. Charge $1,500-2,000, and have maps/campsites/hotels ready to go, and the bike being fully equipped with everything except personal items. For someone already into bike tour...
by Raybo
Wed Jun 10, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1684

Rent a bike in SF, ride to LA, and drop it off?

I live in SF and am wondering if there would be any interest in a service that rented touring bicycles in San Francisco that could be dropped off in Los Angeles (or other cities south of SF, like San Diego or Santa Barbara). By touring bicycle, I am talking about a true touring bike (think Surly Lon...
by Raybo
Tue Jun 09, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: Recumbent biking on a budget
Replies: 2
Views: 445

Re: Recumbent biking on a budget

I'd be interested to see how they will live on $20 a day in Switzerland.
by Raybo
Mon Jun 08, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Frugal Extreme plus tax benefit?
Replies: 14
Views: 2266

Re: Frugal Extreme plus tax benefit?

Did he write off the mileage allowance for driving to CVS, as well?
by Raybo
Mon Jun 01, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

On this trip, I transported my gear in 2 cases. One carry-on size, the other a 26x26x10 behemoth that weighted 50 pounds when all was said and done. https://lh3.googleusercontent.com/-cgdj1b_N3oM/VWyPvPMyqnI/AAAAAAAANm8/V_nkzOgm2Ow/s640/IMG_4677.JPG Since this was a loop ride, I made arrangements wi...
by Raybo
Mon Jun 01, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

you must be in great shape riding all these mountain roads! I get this a lot and I never know how to respond. I generally take it as a compliment, but don't really feel like I am doing anything special. After all, I have trained for months to be able to do this. But, that is about the extent of my ...
by Raybo
Sun May 31, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

Nice photos. What camera did you use? I have always used a point and click camera of some sort. As time has gone on, I've upgraded my camera several time as bicycle touring is hard on sensitive electronics and I want better photos. My current camera is a Canon SX160IS. It takes 2 AA batteries (whic...
by Raybo
Sat May 30, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 57
Views: 6364

Re: Can this be possible?

How sophisticated financially are these people? If they are very savvy, then it might be worthwhile to spend some time to discover how they achieved it. If their finances are managed by their "finance guy," then it is likely they are repeating something they were told or they have some kin...
by Raybo
Fri May 29, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

What did you do for support? Hotels or camped? Food/lunch? I carried all my own gear (in two small front panniers), maybe 15-20 pounds of stuff, if you count spare equipment and tools. I know how to fix most of what it is on my bike, though nothing broke, not even a flat tire! If one is willing to ...
by Raybo
Fri May 29, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

Loved the photos. As I am not in a position to spend a week, much less three weeks, on a bike much physically or financially, I have a question. Without a bike, what fraction of the sites (the locations you shared photos of) do you believe are accessible using public transportation (especially) in ...
by Raybo
Fri May 29, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

Thanks. I've looked at group tours before, but solo seems nice. I would be afraid the routes I choose aren't cyclist friendly...then I'm in another country in the middle of bad roads. I don't know what country you live in but I rarely ride out my own front door to start a tour. Since I have to trav...
by Raybo
Thu May 28, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

How did you choose your route? Bike rental? Did you ride in a group tour? I like to research my routes extensively. You can see the kinds of sites I visit by checking the touring plan I created for this trip . While I have been to some of the cities I was riding around, I just tried to find places ...
by Raybo
Thu May 28, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

I was in northern Italy about 2 weeks prior to your trip and found it quite cool and overcast. How was the riding in Milan? I'm not sure that I would want to be sharing the road with Italian drivers. I arrived and left from Malpensa, Milan's airport. It is 20+ miles northeast of Milan and I didn't ...
by Raybo
Thu May 28, 2015 10:14 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

It must have been a wonderful trip, even though it looks like you went through your share of spring showers. For the most part, the weather was comfortable. As I headed into the mountains toward the end of the trip, a major storm came into Northern Italy. I had extra days in the schedule for just s...
by Raybo
Thu May 28, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 2885

Selected photos of 3-week bicycle ride around the Italian Lakes

In May, 2015, I rode my bicycle in a 750-mile loop starting/ending at Milan's Malpensa Airport. First, I went east along the bottom of several large Italian Lakes (Maggiore, Varese, Como, Garda). At Bassano del Grappa, I headed north, eventually making it to the stunning town of Bormio at the base o...
by Raybo
Mon May 25, 2015 3:25 am
Forum: Personal Consumer Issues
Topic: New Car - Partner Purchase Program
Replies: 4
Views: 557

Re: New Car - Partner Purchase Program

The key advantage car dealers have is pricing information. The more you know about prices in your area, that is, how much a specific car will cost you out the door, the more you whittle away the dealers advantage. I would look at all sources, Kelly Blue Book, other car websites (especially those tha...
by Raybo
Sun May 24, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 34412

Re: much ado about coasting (through life)

However, virtually no one I know, even today (I'm now 63), has the time to do things with me. Hi Ray, I picked this thread almost in random before moving on (my paid Internet connection will expire in a few minutes). I think you should check out the Camino. Here I encounter many like minded people ...
by Raybo
Sat May 23, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3367

Re: iPhone with or without contract?

Phones with contracts are locked to a single carrier for the life of the contract. If, in the next two years, your wife wants to use the phone outside the U.S., then an unlocked phone is the only thing that will work.
by Raybo
Wed May 20, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3147

Re: How should drivers react to bicycle riders on one lane roads?

eucalyptus wrote:This seeming violation of their ownership of "their roads" sometimes infuriated them.


i find it is the car drivers who think they "own" the roads.
by Raybo
Wed May 20, 2015 3:34 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3147

Re: How should drivers react to bicycle riders on one lane roads?

My preference when I am riding is to be safely passed by cars. Going over the yellow line to pass a bicycle is unlikely to get you a ticket unless there is a No Passing sign on the road and even then I find it hard to believe that a cop exists that would care what a driver does to pass a bicyclist. ...
by Raybo
Sun May 10, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 4438

Re: Should I buy a lighter bicycle or lose body weight?

Be aware that the feel of a bike is different depending on the frame material. If you like the way your current bike rides, there is no reason to buy another one with a different frame material whose ride you may not like. I see no reason to buy a new bike as I like to ride the (heavy, steel) bike I...
by Raybo
Fri May 08, 2015 1:12 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 34412

Re: much ado about coasting (through life)

While there is nothing wrong with "coasting," you will find yourself out of step with others your age so you will have to find ways to enjoy yourself without having partners to do it with. I retired at 48 and have been coasting ever since. I like my own company and enjoy solitary pursuits,...
by Raybo
Wed May 06, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Suggestions for three days in Bergen, Norway
Replies: 2
Views: 271

Suggestions for three days in Bergen, Norway

My wife and I will be spending 3 days in Bergen, Norway in a week. While we hope to see some of the wonderful Norwegian coastline, we also have a limited amount of time to do so.

Does anyone have any suggestions for excursions to take, places to visit or things to do?

No bicycling will be involved!
by Raybo
Wed May 06, 2015 3:47 am
Forum: Personal Finance (Not Investing)
Topic: Selling a business, want advice on seller financing.
Replies: 6
Views: 864

Re: Selling a business, want advice on seller financing.

I sold a business with 50% seller financing. The loan was unsecured, except for the business. The payments were made on time without issue. After a couple years, I offered the buyer a reduced lump-sum buy-out, which she took. I am assuming that if the seller stopped paying that you would get the bus...
by Raybo
Tue May 05, 2015 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Two questions about spouse and permanent disability
Replies: 13
Views: 1284

Re: Two questions about spouse and permanent disability

Browser wrote:Hello Raybo - Don't have an answer to your question, but wanted to express my concern for your wife. Hopefully it is not due to injury from biking which I know you do. Didn't know if she rode too.


Browser,

Thank you for your concern. My wife doesn't ride bicycles.
by Raybo
Mon May 04, 2015 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Two questions about spouse and permanent disability
Replies: 13
Views: 1284

Two questions about spouse and permanent disability

I am 63. My wife, who is 55, just received permanent disability from Social Security. I have 2 questions. 1) since I am over 62, is it possible for me to file and get spousal benefits? 2) it is my understanding that people on permanent disability can access their IRAs without paying the 10% early wi...
by Raybo
Sat May 02, 2015 2:26 am
Forum: Investing - Theory, News & General
Topic: How to advise clients
Replies: 18
Views: 1831

Re: How to advise clients

If you add in portfolio rebalancing analysis every quarter, tax-loss harvesting monitoring,, IRA contribution reminders it does appear you will be doing more than just a set-it, forget-it portfolio. You could also become an insurance broker/salesperson for those people who actually need term insuran...
by Raybo
Mon Apr 27, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2805

Re: Leaving our financial advisor over a period of months

Why involve the planner at all? S/he will likely try to talk you out of this decision. After all, you are taking money directly out of his/her pocket. While it might go smoothly, you will likely have a few/several meetings where the planner tries to convince you not to move. For me, I would not both...
by Raybo
Mon Apr 27, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 4054

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I travel by bicycle so space and weight are major considerations. I have never taken a laptop with me. When phones became good enough to handle Internet needs, I took one and ditched the paper and pencil method of taking notes. Sending short emails was OK on the phone, but writing my daily journal e...
by Raybo
Mon Apr 27, 2015 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2915

Re: Tax Loss Harvesting: How do you do it in practice?

I only invest in full market indexes. A quick look at the S&P 500 will tell me if my index is up or down. But, during 2008, I didn't need to look hard to see TLH opportunities. They were coming every day! There are time limits for selling and then buying back your original funds in order to qual...

Go to advanced search