Search found 1010 matches

Return to advanced search

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: 1798

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: 790

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: 790

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: 1416

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: 2683

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: 119
Views: 9542

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: 1149

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: 375

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: 1530

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: 1138

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: 107
Views: 10657

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: 1874

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: 2052

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: 1217

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: 2143

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Raybo
Thu Dec 18, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 955

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz.

Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island.

I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company.
by Raybo
Thu Dec 18, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 955

Re: What's your withdrawal rate for 2014?

This could be very misleading if I am still working and answer 0% It depends on how you look at it. Divide how much you spend by how much you had at the beginning of the year and there is your answer, assuming you spent some money this year. While making more than you're spending looks like a 0% wi...
by Raybo
Wed Dec 17, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2711

Re: Which audio books do you listen to?

I started Raybo's list, rolled my eyes at how high-brow non-fiction it is Define "high-brow non-fiction." Surely you aren't talking about my receding hairline: the term “highbrow” was popularized in 1902 by Will Irvin, a reporter for the New York newspaper The Sun, who “adhered to the phr...
by Raybo
Wed Dec 17, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Which audio books do you listen to?
Replies: 16
Views: 732

Re: Which audio books do you listen to?

Here is a list of audio books I have enjoyed: http://www.biketouringtips.com/showTipComments.php?tipID=1447 I listen to them when I go on long bike rides (only using one ear bud). It's interesting that your list includes a book about Thomas Paine. Someone whose opinions I respect has recently menti...
by Raybo
Wed Dec 17, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Which audio books do you listen to?
Replies: 16
Views: 732

Re: Which audio books do you listen to?

Here is a list of audio books I have enjoyed: http://www.biketouringtips.com/showTipC ... tipID=1447

I listen to them when I go on long bike rides (only using one ear bud).
by Raybo
Wed Dec 17, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Which audio books do you listen to?
Replies: 16
Views: 732

Re: No Foreign Fee Credit Card - Exchange Rate

I use Schwab's visa card. I put money in an account and I got one that is a debit card for that account. It not only gives you the settlement rate for the currency you are changing into but will reimburse the ATM fees, if there are any. Since it is a debit card, I only use it for getting currency ou...
by Raybo
Tue Dec 16, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1242

What's your withdrawal rate for 2014?

It is late enough in the year for me to tally up my expenses for 2014. Based on the balance of my pile at 1/1/2014, I spent 3.2% this year.

Yours?
by Raybo
Tue Dec 16, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2711

Re: How to balance hassle with money/tax issues

I have locked my credit, which makes it very difficult (and a per time charge) to open new accounts or credit cards. So, I don't ever do that regardless of the incentive. I do check CDs at my on-line bank and those I pass as I walk around, if they are posted on a board for the public to see. But, my...
by Raybo
Mon Dec 15, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to balance hassle with money/tax issues
Replies: 7
Views: 592

Re: Odds of portfolio survival = 90%; odds of my survival =

I am 62 and my life expectancy is about 20 years. For me, I am trying to find a balance between doing what I want today and making sure I don't blow through my money. But, I am lucky to have cheap tastes and good health, making it easy for me to spend 3.5-4% a year and not feel like I am holding my...
by Raybo
Mon Dec 15, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 11597

Re: Any interest in an on-line financial manager and simulat

Something similar exists here. I find it useful. http://www.flexibleretirementplanner.com/wp/ From what I can tell, this is a simulation tool, only. I rarely use the simulation feature of my program anymore. The real use comes in being able to see my current AA at a glance, my current holdings in e...
by Raybo
Mon Dec 15, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any interest in an on-line financial manager and simulator?
Replies: 5
Views: 373

Any interest in an on-line financial manager and simulator?

I have been writing computer programs and simulations since the 1980s. I used this experience to create my own financial management software that runs on my own personal computer. I use it to manage all things financial, including my AA, rebalancing decisions, effect expenses have on my portfolio's ...
by Raybo
Mon Dec 15, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any interest in an on-line financial manager and simulator?
Replies: 5
Views: 373

Re: Odds of portfolio survival = 90%; odds of my survival =

You need to define failure. That was the exact point of my post. We all need to define "failure" in a way that is actionable from our own unique financial and personal perspectives. I am 62 and have already been retired 15 years, so I have a very good idea of how much my needs, wants and ...
by Raybo
Mon Dec 15, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 11597

Re: Odds of portfolio survival = 90%; odds of my survival =

I agree with the idea that it is far more important to have enough to enjoy the non-working years then it is to insure having money 30 years from now, as I may not live that long. The question in my mind is what percentage of failure am I willing to accept? I am 62 and my life expectancy is about 20...
by Raybo
Mon Dec 15, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 11597

Re: Geek to Geek, screen scraping dividends

Thanks for the come back Raybo, What site do you use to do your screen scraping. I’d definitely take a look at some other site than Yahoo. PS: Raybo, what are you using to “screen scrape” your data? Do you do it by hand, or did you write a program? Long ago now, I wrote a Java program using its Swi...
by Raybo
Thu Dec 11, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Geek to Geek, screen scraping dividends
Replies: 10
Views: 1341

Re: Don't Peek

I have automated my financial accounts and have my computer update them every business day. I do this because a) I can and b) I want to keep my accounts current (without having to enter fund NAVs myself). After each day's update, a table is displayed showing the plus/minus for the day. I enjoy seein...
by Raybo
Thu Dec 11, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3956

Re: Different Experience With TSA Pre-Check

I just flew home from Newark and, in terminal A at least, there is no separate line for TSA-Pre, though they do have a sign for it pushed to the side. Like the others, I was given a card to hand to the next agent and was waved through the metal detector. For some reason, I was sent to the priority l...
by Raybo
Thu Dec 11, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2926

Re: Geek to Geek, screen scraping dividends

I screen scrape the daily closing values for my investments on business days at 4pm PST. Like you, on dividend/capital gains days, my account totals are off by the amount thrown off by the funds. I haven't tried to include dividends in my scrapings. Instead, I simply go to Vanguard a day or two late...
by Raybo
Wed Dec 10, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Geek to Geek, screen scraping dividends
Replies: 10
Views: 1341

Re: Unfrugal Enjoyments

When I tour on my bicycle, I stay in motels instead of camping.
by Raybo
Sun Dec 07, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24378

Re: My bicycle tour from Rochester, NY to Lambertville, NJ

Raybo - always enjoy reading your bike tours. I have ridden the Del. bike path from Easton to Lambertville many times before i moved to Chester COunty. The Covered Bridge Ride in Bucks County is also a very pleasant ride. A few years ago much of the bike path along the Delaware river north of New H...
by Raybo
Sun Dec 07, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: My bicycle tour from Rochester, NY to Lambertville, NJ
Replies: 13
Views: 1548

Re: My bicycle tour from Rochester, NY to Lambertville, NJ

You would have enjoyed seeing the Cornell campus in Ithaca - one of the most beautiful campuses in the US. Gill I had heard this and was hoping to check it out. But, as is so often the case when bike touring, the effort to do some out of the way (and up a hill) sightseeing on a day I've planned to ...
by Raybo
Sun Dec 07, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: My bicycle tour from Rochester, NY to Lambertville, NJ
Replies: 13
Views: 1548

Re: My bicycle tour from Rochester, NY to Lambertville, NJ

As always your bicycle tours make for enjoyable reading. From the looks of your photos you had pretty good roads to ride on. That is not many cars to deal with. Do you take all of your photos with an iPhone? I ride on thicker road tires (28c -32c) and have no trouble with packed dirt. But, I try to...
by Raybo
Fri Dec 05, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: My bicycle tour from Rochester, NY to Lambertville, NJ
Replies: 13
Views: 1548

Any one use Vangurad for SEPP?

My wife will be taking SEPP (Separate but Equal Periodic Payments) deductions from her IRA starting in 2015. While I can do the figuring, I'd rather leave all the calculating to someone else who has done it before, will keep records, and won't mess it up for the 5 years she will be doing this. Has a...
by Raybo
Thu Dec 04, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Any one use Vangurad for SEPP?
Replies: 6
Views: 1149

Re: To consolidate into new parent company or not?

niceguy7376 wrote:So if you move amount from A to B, it will cost $30 more per year(3 basis points for 10k) and you will have one less account to manage.


3 basis points is .03% or .0003. For $10K, it is $3.
by Raybo
Thu Dec 04, 2014 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: To consolidate into new parent company or not?
Replies: 5
Views: 894

Re: My bicycle tour from Rochester, NY to Lambertville, NJ

It is hard to convey how disappointing it is to choose a place for breakfast from all the cafes in an unknown town only to be completely dissatisfied by the meal served.

Yet another bike touring variable!
by Raybo
Thu Dec 04, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: My bicycle tour from Rochester, NY to Lambertville, NJ
Replies: 13
Views: 1548

My bicycle tour from Rochester, NY to Lambertville, NJ

From August 17 to August 25, 2014, I rode my bicycle from Rochester, NY to Lambertville, NJ. I rode along the Erie Canal, past the Finger Lakes, and down the Susquehanna and Delaware Rivers. This is a thickly wooded, well-watered area and each day I rode through forests, passed dozens of small creek...
by Raybo
Wed Dec 03, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: My bicycle tour from Rochester, NY to Lambertville, NJ
Replies: 13
Views: 1548

Re: European underperformance - here to stay?

The question is: Are European firms going to under-perform? If the European market is down, it will affect stocks worldwide, especially the big multi-nationals in both the US and Europe. Japan's downturn has hurt Japanese firms, but also anyone who does business in that market. But, if you don't lik...
by Raybo
Wed Dec 03, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: European underperformance - here to stay?
Replies: 32
Views: 2452

Re: Conservative portfolio results?

Your fees are too high. Let's say the 4.8% was after fees and you actually earned 6.3%, that makes the 1.5% in fees equal to a bit more than 20% of your entire Year's return. That is more appropriate for a tip at restaurant than fees paid to someone to watch someone else (a mutual fund) invest your ...
by Raybo
Tue Dec 02, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative portfolio results?
Replies: 41
Views: 3685

Re: Looking for affordable winter activities.

You don't say your location. In San Francisco, cycling over the GG Bridge, hiking, walking around the city.
by Raybo
Mon Dec 01, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Looking for affordable winter activities.
Replies: 19
Views: 1655

Re: Paying my parents a salary not to touch their nest egg

Shouldn't your parents be shifting money into a Roth to avoid RMDs? Convert the 401k to an tIRA and then move the money into a Roth. It might make sense for you to pay the taxes on the conversion, if your parents aren't able to come up with the tax payments on it. Otherwise, pile your money into tru...
by Raybo
Tue Nov 25, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4488

Re: Favorite nonfiction books

[personal comment deleted by admin alex]
by Raybo
Tue Nov 25, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10319

Re: Favorite nonfiction books

When I first retired, I took on reading Will and Ariel Durant's The Story of Civilization. 10 volumes from the dawn of civilization to the end of Napoleon (and the authors!) An amazing education! Ernest Becker's Escape From Evil I maintain a list of books I've listened to while riding my bike virtua...
by Raybo
Tue Nov 25, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10319

Re: Vegan Raw Food Diet

So, you can't tell us what issues you are having with your diet but you want us to suggest ideas for your diet. Do I have that right? Can you answer this question: What non-vegan foods do you currently eat? Instead of butter on toast, I use ripe avocado. Instead of yogurt, I use a silken tofu mixtur...
by Raybo
Mon Nov 24, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Vegan Raw Food Diet
Replies: 33
Views: 4033

Re: Vegan Raw Food Diet

Can you be more specific about what "blocks" you are having? At my local library there are several books on eating a raw food diet.

One suggestion would be to get a food dehydrator.
by Raybo
Mon Nov 24, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Vegan Raw Food Diet
Replies: 33
Views: 4033

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: 58
Views: 6155
Next

Return to advanced search