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Re: Social Security 62 vs 66

It is easy to try and game Social Security by asking "what if" questions of 62 vs 66 vs 70. But, to me, the issue isn't trying to maximize how much I get from Social Security. It is making sure I have enough money if I live a long time. Clearly, the best way to do that is to maximize my So...
by Raybo
Fri Nov 21, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 56
Views: 4200

Re: getting umbrella insurance

You will have to have a minimum amount of coverage before the companies will write umbrella insurance. We had to up our maximums on both our car and house policies before we could buy the umbrella insurance. The cost of the umbrella insurance was dwarfed by the increases we had to pay in the house a...
by Raybo
Thu Nov 20, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1466

Re: Keep or sell Zero Coupon Bond?

Thanks for the feedback. I have been watching this bond slowly approach its final value for a couple years and always wondered if it was worth keeping. Since I didn't need the money, I have let it ride. While the rate I am getting for the final year isn't much, as you all suggest, I may as well keep...
by Raybo
Thu Nov 20, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep or sell Zero Coupon Bond?
Replies: 7
Views: 865

Keep or sell Zero Coupon Bond?

Long ago, I purchased a Zero Coupon Bond (earning 8% when I bought it). It matures in 11/15, about a year from now. It's current value is $9,973 (it is a $10K bond). The one year return will be $27. That is a return of like .3% for 1 year. This is in my IRA and not at Vanguard. I will likely have to...
by Raybo
Wed Nov 19, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep or sell Zero Coupon Bond?
Replies: 7
Views: 865

New Version of Bike Touring Game released

Here is a link to Armchair Bike Touring, Version 3: http://www.biketouringtips.com/ArmchairBikeTouring/gameV3.html Please excuse me for starting a new thread about this, but I didn't want to confuse getting beta testers with the actual release of the game. In truth, only 1 person volunteered to test...
by Raybo
Fri Nov 14, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: New Version of Bike Touring Game released
Replies: 0
Views: 286

Re: Is buying organic worth it financially in the long term?

Raybo wrote:There have been other threads on this very topic and it usually devolves into there is no evidence that organic is any better than cheap, "safe" food. I expect this one will too.


I believe this has now been achieved.
by Raybo
Thu Nov 13, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5600

Re: Is buying organic worth it financially in the long term?

As for studies or other evidence about the health benefits of organic, I doubt any exist. There have been other threads on this very topic and it usually devolves into there is no evidence that organic is any better than cheap, "safe" food. I expect this one will too. Why is it devolved t...
by Raybo
Thu Nov 13, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5600

Re: Is buying organic worth it financially in the long term?

I buy anything on the dirty dozen ( http://www.organic.org/articles/showarticle/article-214 ) organic or I don't eat it. This includes when I go out to eat. Most other produce I get organic, as well, but I am not as strict as I am with the "dirty dozen." As for studies or other evidence ab...
by Raybo
Thu Nov 13, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5600

Re: Question re Bogle interview with Benz

So, the "free float" argument that makes sense for stocks is simply transferred to bonds? With stock indexes, it makes sense that stock held by the company, shares issued but not public, should be pulled out of a stock index trying to represent the performance of the stock market. Many com...
by Raybo
Fri Nov 07, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Question re Bogle interview with Benz
Replies: 8
Views: 891

Re: Need Beta Testers for Bike Touring Game

No one has responded, which is unusual for this group, so I have decided to put the beta testing information here with a link to the new version. Here are the questions I'd like you to consider while running the new version: You can find it at http://www.biketouringtips.com/ArmchairBikeTouring/gameV...
by Raybo
Fri Nov 07, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Need Beta Testers for Bike Touring Game
Replies: 1
Views: 327

Re: Question re Bogle interview with Benz

I, too, was confused by this. So, I took a look at the return of Intermediate Investment Grade to TBM during the last downturn and saw that TBM did much better (lost less) than Intermediate Intermediate Investment Grade. Bogle suggests that by splitting one's TBM into 50/50 TBM Intermediate Investme...
by Raybo
Fri Nov 07, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Question re Bogle interview with Benz
Replies: 8
Views: 891

Need Beta Testers for Bike Touring Game

I have finished writing the third version of my on-line bike touring game and need people to test it out for me. Playing the entire game (3 simulated bike tours) shouldn't take longer than 15 minutes, if that. I also have a few questions I'd like you to answer, as well. To control the number of peop...
by Raybo
Thu Nov 06, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Need Beta Testers for Bike Touring Game
Replies: 1
Views: 327

Re: Selected photos of recent bicycle ride across New York

I am a vegetarian and finding protein rich food on the way can be challenge and so I may have to ship food to post offices on the way. I have two children under 3 and so this has to wait for a few years. It does not hurt to dream. :) I, too, am a vegetarian. I wrote an article titled "Vegetari...
by Raybo
Thu Nov 06, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1135

Re: Selected photos of recent bicycle ride across New York

I bought a bike that comes apart and fits into a suitcase. So, I fly with my bike as checked luggage. This used to be free (still is with Southwest) but now generates a baggage charge, though much less than if one checks a "normal sized" bike. My bike uses S&S couplers: http://www.san...
by Raybo
Thu Nov 06, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1135

Re: Selected photos of recent bicycle ride across New York

Cheap too! Why haven't more BH's discovered this?........ I agree that it is a lovely way to see part of the country. My experience has not been that it is particularly cheap. I'd be glad to hear some ideas on how to lower costs or places that are less costly. Last October we did two weeks on the C...
by Raybo
Wed Nov 05, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1135

Re: Selected photos of recent bicycle ride across New York

I appreciate if you also provide any details related to preparation, gear, transportation of bike would be awesome. I plan to ride the great divide bike trail in a few years and it would be a good reference. I created a detailed website all about bike touring ( http://www.biketouringtips.com ). You...
by Raybo
Wed Nov 05, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1135

Selected photos of recent bicycle ride across New York

In August, 2014, I rode my bicycle from Rochester, NY south past a few finger lakes to the Susquehanna River, then east along the river, up and other to the Delaware River and then south along that river to Lambertville, NJ, my destination. The entire ride took 9 days, including a rest day on the on...
by Raybo
Tue Nov 04, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1135

Re: Any other geeks working on software to manage their inve

I started managing and projecting my investments using spreadsheets back in the 90s. When I needed more sophistication, I turned to Java to create a complete financial management system that Holds all my investments categorized by type (i.e. 70% Large Cap, 30% Small Cap) Holds my estimated expenses ...
by Raybo
Sun Nov 02, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Any other geeks working on software to manage their investme
Replies: 16
Views: 2111

Re: Photos from my recent bicycle ride across Wales

Very nice. I always follow your trips with interest and a bit of jealousy. Wales is more rugged and mountainous than I had imagined but then I've never been to the UK. Do you have a next trip planned? First, the UK doesn't have many flat spots. What's more, in those flat spots, there can be wind. O...
by Raybo
Sat Nov 01, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1687

Photos from my recent bicycle ride across Wales

In September, 2014, I rode the Lon Las Cymru (The Welsh Way) from Holyhead in north Wales to Chepstow in the south, across the Severn north of Bristol on my way to Beaconsfield via Oxford. I have culled through my photos and chosen 30 of my best images: http://www.biketouringtips.com/showTipComments...
by Raybo
Fri Oct 31, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1687

Re: Is $700,000 enough to retire? Opinions please .

You don't say what you plan to do when you are retired. If your husband is simply going to stay at home and work on your business, depending on his lunch and commuting practices, you could save a goodly amount of money on those. In addition, if your husband is no longer commuting and you have 2 cars...
by Raybo
Fri Oct 31, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12476

Re: Possible Relocation to San Francisco - Advice?

San Francisco is a great place to live, if you can afford it. My wife and I have only 1 car (neither of us work) and don't drive it very often. When I moved here (over 10 years ago), I had a car but sold it the first time I got a parking ticket (in front of the house). Don't even consider having 2 c...
by Raybo
Wed Oct 29, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1655

Buying CDs with locked credit

When I've purchased bank CDs in the past (usually over the Internet), the bank has checked my credit. I locked my credit years ago.

Are credit report pulls required by banks before they issue CDs? Can I buy bank CDs without unlocking my credit?
by Raybo
Mon Oct 27, 2014 3:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs with locked credit
Replies: 5
Views: 709

Re: Long term return forecast

If, in fact, low returns augers low inflation, then buying non-inflation indexed SPIAs would be cheaper than having to get an inflation rider.

This might help with SWRs?
by Raybo
Sat Oct 18, 2014 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2497

Re: Long term return forecast

I have 2 related questions:

Does the prediction of low returns going forward infer anything about inflation expectations?

What, if anything, would a low inflation future mean for sustainable withdrawl rates?
by Raybo
Sat Oct 18, 2014 4:43 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2497

Re: Dry Powder

So, let's say you have X% of your assets in "dry powder." A dip comes and you buy stocks. You now have less/no dry powder. How do you replenish your dry powder? Do you sell stocks when they rise? Sell bonds? Change your allocation? With the exception of the first use of dry powder, the res...
by Raybo
Thu Oct 16, 2014 7:24 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3549

Re: Retired, my viewpoint has changed again.

Someone (Suzy O?) referred to money as freedom. That is what I have to remember. I have the freedom to relax and not be encumbered by day to day worries. I should not look inward and "small", but outward and explore all that is possible. It should be fun. Maybe time to change your usernam...
by Raybo
Thu Oct 16, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3240

Re: Couch Surfing

Again, not the lottery I would want to win. Just to secure the upside of a nice chat. I'm curious. Do you drive a car? Fly in airplanes? Eat food at restaurants? Take public transit? Walk out in public? Or, does your "death vs nice chat" outlook on life only apply to those things you've n...
by Raybo
Wed Oct 15, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5887

Re: Couch Surfing

leonard wrote:Certainly, we don't need to experience sleeping in a strangers house in order to have an opinion about it - do we.


Have all the (uninformed) opinion you like. Just don't expect others to respect it.
by Raybo
Wed Oct 15, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5887

Re: Couch Surfing

We all know that risk is a trade off of return vs loss. If you don't want to take the risk of couchsurfing, don't. But, to continue to insist that the risk isn't worth it without ever doing it is a broken record. Don't want to couchsurf? Don't do it. No one should take on risk they don't want to. Bu...
by Raybo
Wed Oct 15, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5887

Re: What Do You Keep In Your Bank Safe Deposit Box?

I'm just curios as to what people keep in their Bank Safe Deposit Boxes. I keep my birth certificate, passport, additional copies of my driver's license and state ID & SS card. I keep a digital back up of of all of my scanned documents on an encrypted external hard drive. I also keep family jew...
by Raybo
Mon Oct 13, 2014 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2643

Re: Couch Surfing

That is how I would view the "horror" stories about couchsurfing (or hitch hiking, for that matter). I have never had anything close to a threatening experience in over 10 years of couchsurfing on 3 continents. In fact, many of my memorable interactions with people have come as a result. ...
by Raybo
Fri Oct 10, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5887

Re: Couch Surfing

I've only heard of this from all the horror stories in the news over the years (especially for females staying with males....). I'm surprised it still goes on.....but then again - I still occasionally see hitch-hikers out there. Family from England was visiting and we took them to Yosemite. In thei...
by Raybo
Fri Oct 10, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5887

Re: Couch Surfing

I've been hosted close to 50 times via both couchsurfing and Warmshowers. Virtually all my experiences have been enjoyable and I've never felt unwelcome or unsafe. While I often cook a meal for my hosts, I generally offer a meal out though almost always a meal or two is provided. Many of my best tra...
by Raybo
Thu Oct 09, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5887

Re: Author Advice - Advantages/Disadvantages of Co-author

I have written 2 (computer) books, long ago now. The first, a flop, had no editor and I had no agent. The second, a commercial success, had an excellent editor and I had an agent. Both made a huge difference. Publishing is a business. You are a novice. You will get fleeced if you do it without exper...
by Raybo
Tue Sep 23, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1198

Re: buying a house in france

You don't say how much is involved, but one way would be to put dollars in a Charles Schwab Checking Account and then use the debit card they give you to take Euros out of an ATM in France (no F/X fees and ATM fee reimbursed (up to a limit each month)) and deposit them in a French bank. There are ob...
by Raybo
Sat Sep 06, 2014 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: buying a house in france
Replies: 15
Views: 1631

Re: Help out family without compromising my own retirement?

If you can't bear up emotionally, you might offer to buy the some basic foodstuffs, such as, rice, potatoes, vegetables, etc and demand that they cook their own meals at home.

It is hard to argue that providing someone with food and shelter isn't doing enough.
by Raybo
Fri Aug 29, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 6122

Re: Do Bogleheads worry about institutional risk?

Like all risk, institutional risk can be hedged at a cost. The costs include more management time, more records to follow, more logins/passwords to follow, and possible difficulty in reacting to market conditions due to having the wrong amount of money in the wrong fund manager in the wrong kind of ...
by Raybo
Thu Aug 28, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1813

Re: Only need $315k non-retirement $ to retire at Age 43?

Gambler wrote: (if I avg 6%/yr)


Constant compounded returns always look good. Unfortunately, that isn't how the world works.

You still need a Plan B in case your things don't go as the spreadsheet predicts.
by Raybo
Thu Aug 28, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 5474

Re: Copyright question

When I got paid, I created computer programming courses that contained dozens, sometimes hundreds, of slides. I also created complete video training courses that came with detailed manuals. The manuals were copyright noticed, could be purchased separately from me and were available to be licensed fo...
by Raybo
Wed Aug 27, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1552

Re: Establishing "Small Business" and Cheating IRS?

Small business tax returns have to be reported on a separate form. It isn't something that can be hidden among other, general, numbers. The computers can easily determine that such forms have disappeared from someone's return. Once a human looks at it, the "dodge" will be obvious from lack...
by Raybo
Wed Aug 27, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1166

Re: How I beat Indexing... in 1 hour

In a store today, I took 4 pennies out of a cup next to the register to help me pay a 99 cent bill, a quick 4%!

And, I didn't deplete the cup. If I go back every day and make the same 4%, I can double my SWR!
by Raybo
Tue Aug 26, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 71
Views: 12000

Re: How would one analyze the claim "American Funds Outperfo

Due to needing a broker to hold brokered CDs I had when I moved, I briefly had an Edward Jones account. When the sales person saw my portfolio, I got a lot of American Funds outperform propaganda. A cursory examination showed that they were comparing against the S&P500. I'm guessing that that wa...
by Raybo
Mon Aug 25, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: How would one analyze the claim "American Funds Outperform"
Replies: 4
Views: 781

Re: [If over 50] Do you prepare for long term care

I had LTCi for a while, but then the inevitable premium increases started coming. After the second one, I bailed out.

It was a minimal policy and I didn't want to start paying more and more for less and less (no inflation rider).
by Raybo
Thu Aug 07, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2268

Re: Telephone Calls! Help!

We have a different problem. A machine calls, when we answer, there is silence on the line for a short period of time, and then a mechanical voice says "Good Bye." This happens several times a day. I've tried being silent or talking like a recorded message. The same thing results. Do anyon...
by Raybo
Thu Aug 07, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7908

Re: Marathon Running and Long-term Investing

My knees won't allow me to run any real distance any more. Instead, I take long bicycle rides and, not surprisingly, I see similarities between bicycle touring and investing: - Have a solid plan - Know what you can fix and what you can't - Train well - Be flexible enough so that when something goes ...
by Raybo
Wed Aug 06, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1830

Re: Eating while travelling

Eating is one of the more complicated parts of any vacation I plan. As a vegetarian, it can be hard to find places with enough choices so that I eat both a variety of foods and something filling. While I can eat out of grocery stores a bit, much of what I get at a grocery store needs to be prepared ...
by Raybo
Tue Aug 05, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eating while travelling [Food Budget]
Replies: 26
Views: 2180

Re: What is your most memorable 1 week vacation?

This is too broad a question for me. I've had "best" weeks on a bike, by myself on foot, with friends, on a honeymoon, etc. The first one that comes to mind is the week I spent last July riding a bicycle from Invermere, BC up through Kootenay National Park and Jasper NP to Jasper on the Ic...
by Raybo
Sun Aug 03, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 8220

Re: Pay a stay-at-home spouse, fund a solo-401k?

Let me start by saying I haven't looked at any regulations or done any research. So, this is just my opinion... My guess is that you can't legally pay your wife to take care of her own children. On the other hand, if she were to start a business (with all the legal licenses, etc) of watching childre...
by Raybo
Sat Jul 26, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay a stay-at-home spouse, fund a solo-401k?
Replies: 9
Views: 1336

Re: Qualified Longevity Annuity Contracts (QLACs)

How do QLACs factor into a Liability Matching Portfolio? Might they be used instead of or in combination with TIPS/IBonds? Especially if they can be inflation adjusted.
by Raybo
Mon Jul 21, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified Longevity Annuity Contracts (QLACs)
Replies: 3
Views: 485
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