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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 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified Longevity Annuity Contracts (QLACs)
Replies: 3
Views: 373

Re: Which kind of bike for recent retiree?

Pulling upwards on the pedals is a myth. Even the pros don't do it most of the time, the main exception is a flat out sprint. While I don't pull up most of the time, on hard uphills (say Fredrick Street between Carl and Clayton ), I find pulling up on the pedals to help me keep up enough speed not ...
by Raybo
Mon Jul 21, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2550

Re: Which kind of bike for recent retiree?

I'm sure Raybo has had the same experience. I have. Riding on borrowed or rented bikes is like putting on someone else shoes. They don't feel right on my feet and make me walk funny. It has gotten to the point that if my seat post is a bit off, I can feel it. The one time I rode my brother-in-law's...
by Raybo
Mon Jul 21, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2550

Re: Which kind of bike for recent retiree?

I do ride a lot. The break-in period was a couple weeks and somewhat painful, in that, my rear-end was sore during that time. I wouldn't want to have to do it again. Though, now, I can't imagine using any other saddle. Before I owned the Brooks, I had a gel seat that broke down on a ride from San D...
by Raybo
Mon Jul 21, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2550

Re: how often do you look at your account

I wrote a program that updates my stocks everyday (the computer is turned on) at 4pm PST. It reports how much I gained or lost that day. I check the program that actually holds my investments and calculates my AA about once every 2 weeks or so. I log into Vanguard, at least, once a month to update m...
by Raybo
Sun Jul 20, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3535

Re: Which kind of bike for recent retiree?

I'm sure your Brooks fits you like an old pair of shoes, but you ride a lot, so how long was the break-in period, 10,000 miles? I do ride a lot. The break-in period was a couple weeks and somewhat painful, in that, my rear-end was sore during that time. I wouldn't want to have to do it again. Thoug...
by Raybo
Sun Jul 20, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2550

Re: Which kind of bike for recent retiree?

Brooks was the saddle to get in the 1970s. I had a couple back then. But it ain't the saddle to get 40 years later. Clearly in the war between some people's butts and their bike seats, the bike seats won. I'd rather have my butt win. This kind of statement would get you lynched in a bike touring fo...
by Raybo
Sun Jul 20, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2550

Re: Which kind of bike for recent retiree?

You've gotten some excellent advice. Here are a few things I've learned from taking very long bike tours, in no particular order. 1) Don't buy a cheap bike. Things will break, they will be heavier than necessary, and better components mean a better ride. 2) The most important safety feature you can ...
by Raybo
Sun Jul 20, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2550

Re: Gray Market woes

Good excuse to take a trip to Argentina?

You can deduct travel expenses (subject to a 2%? floor) for investment purposes.

Maybe arrange a trip to coincide with their annual meeting?
by Raybo
Sat Jul 19, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Gray Market woes
Replies: 20
Views: 2033

Re: Place to stay in Rochester, NY?

Thanks everyone for the suggestions. I found someone to host me ("free ride") in Rochester on another list. I figured it was a longshot. I guess you're looking for a free ride. I'm not sure what the intention was behind this (snide?) remark, but it feels like a put-down. I have been a part...
by Raybo
Tue Jul 15, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Place to stay in Rochester, NY?
Replies: 7
Views: 773

Re: Place to stay in Rochester, NY?

If I am going to pay for a place to stay, I'd rather stay in a hotel.
by Raybo
Tue Jul 15, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Place to stay in Rochester, NY?
Replies: 7
Views: 773

Place to stay in Rochester, NY?

This is a bit of a longshot but I'd thought I try it. I am riding my bike from Rochester, NY to Lambertville, NJ. I will be flying into Rochester August 15 and leaving on my ride on the 17th. I need a place to stay for 2 nights. My flight arrives close to 7pm. While I realize this isn't a hospitalit...
by Raybo
Tue Jul 15, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Place to stay in Rochester, NY?
Replies: 7
Views: 773

Re: Need some advice about riding in the Finger Lakes region

Thanks for the good advice. It is the kind of details I was looking for.

I will be in Watkins Glen, assuming I go that way, later in August. I was wondering about the race.
by Raybo
Tue Jul 08, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Need some advice about riding in the Finger Lakes region
Replies: 4
Views: 592

Need some advice about riding in the Finger Lakes region

After reading some of the responses in this thread about riding a bicycle from Cleveland to Lambertville, NJ, I decided to move my starting point to Rochester, NY. Now, instead of riding east through Pennsylvania, I'll be riding east through southern New York (State Bike Route 17). To get to SBR 17,...
by Raybo
Mon Jul 07, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Need some advice about riding in the Finger Lakes region
Replies: 4
Views: 592

Re: Best Road Trip Vehicle

A bicycle.
by Raybo
Thu Jun 26, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2723

Re: How I win at craps

I, too, like to play craps. I have studied it both in person and via computer simulation. As you say, the key is to quit at the best time for the player and not to wait until the bankroll is depleted, which is the gambling equivalent of selling at the bottom of the market. Where I gamble, $5 tables ...
by Raybo
Tue Jun 24, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2037

Re: Riding a bicycle east from Cleveland

Have you considered flying into either Rochester or Buffalo? The path along the Erie canal makes bicycling out of either city really easy and then south through the Finger Lakes would reduce the amount of traffic compared to NE Ohio and NW Pennsylvania. I hadn't. The cost of flying is a bit more fo...
by Raybo
Sun Jun 22, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1305

Re: Retired Bogleheads want to relocate to California

Orange County is a big place. There are lots of older neighborhoods inland where you might be able to find a "cheaper" home. But, cost of housing will be a big part of your cost of living in SoCal. On the other hand, you might find savings on other things, such as heating/cooling, that mig...
by Raybo
Sun Jun 22, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6831

Re: Riding a bicycle east from Cleveland

A number of you talked about the University Circle as a place to avoid. Given I have to get 2 big cases from the airport to a place to spend a couple nights and then as a starting place for riding (I won't use my bike while I am in Cleveland, only to get out of it), where would you suggest I plan to...
by Raybo
Sun Jun 22, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1305

Re: Riding a bicycle east from Cleveland

My plan is not to ride from the airport. My bike packs into a suitcase (S&S Couplers). I would fly with all my gear in bags, take ground transportation to some hotel in Cleveland (near the Art Museum?), assemble my bike, and gather my gear. Then, I will ship my bike case to my destination and sp...
by Raybo
Sat Jun 21, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1305

Re: Riding a bicycle east from Cleveland

First, I assume you'll be heading south once you cross over from State Bike Route Y into NJ. Lambertville NJ is down in my neck of the woods, essentially across from New Hope, PA (amenable to bikers). As for anything along NY State route 17, I'd would not consider it. Yes, there's lots of hills. Ho...
by Raybo
Sat Jun 21, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1305

Riding a bicycle east from Cleveland

I am starting to plan a bicycle ride across Pennsylvania to Lambertville, NJ (just across the Delaware River from southeast PA). What little research I've done suggests that riding in the northern part of the state is both pretty and "less" hilly than the southern route. The route I am con...
by Raybo
Sat Jun 21, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1305

Re: What Do You Eat For Snacks?

Do you eat during your ride? Figuring 40 cal/mile, you are riding around 25 miles. On a ride of that length, I take 2 bananas with me or 1 banana and a sandwich to eat during my ride. I also eat a large meal when I return home and that usually fills me up. When I don't eat enough food, I get sleepy ...
by Raybo
Fri Jun 13, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6214

Anyone ridden a bicycle through the Allegheny Forest?

I have relatives in New Jersey that I will likely be visiting in mid-August. I'm trying to find a possible bike tour that would end at their house (Lambertville, on the NJ/PA border). One idea is using the Pennsylvania State Routes. Route S pretty much ends in Lambertville. Checking things out, I se...
by Raybo
Mon Jun 02, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ridden a bicycle through the Allegheny Forest?
Replies: 3
Views: 473

Re: Cycling in Oregon between Portland and SF ?

I have done a good bit of riding on the California coast. I have ridden along the Oregon Coast but only north of Portland. Some day, I will ride from Portland to San Francisco so that I can say I've done the entire Pacific Coast. I'm not sure how much research you've done on the areas you are asking...
by Raybo
Sun Jun 01, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Cycling in Oregon between Portland and SF ?
Replies: 9
Views: 862

Re: Heading to Sonoma next week, recommendations please

Korbel outside of Guerneville offers a long list of Champagnes for tasting and it is FREE!
by Raybo
Sun Jun 01, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Heading to Sonoma next week, recommendations please
Replies: 15
Views: 608

Re: Cycling in Oregon between Portland and SF ?

How do you envision this trip working? Will you ride in the morning, then drive? Or, spend a day riding around and then drive the next day? Do you want to ride every day or do just one or two day trips? Do you have any interest in riding a section of the coast over a day or two? Fort Bragg to Gualal...
by Raybo
Sat May 31, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Cycling in Oregon between Portland and SF ?
Replies: 9
Views: 862

Re: All in one retirement simulator

For extra credit, what if you swap out your normal or lognormal distribution for a Cauchy distribution? I have considered using more "exotic" distributions (why not fractal?) but the normal distribution is a built-in function call, while anything else has to be built by hand. I realize th...
by Raybo
Fri May 30, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: All in one retirement simulator
Replies: 11
Views: 1720

Re: All in one retirement simulator

I have created a similar simulator as part of a larger finance application (based in Java, not a spreadsheet). You have added some additional features to mine and mine has some you aren't using. My simulation runs the model forward monthly to asset exhaustion or 100, whichever comes first. It random...
by Raybo
Fri May 30, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: All in one retirement simulator
Replies: 11
Views: 1720

Re: Would you work without pay?

By work, I am assuming you mean full-time. If so, no.

But, if it was something I enjoyed (speaking, programming, bike touring), could control my own time, and do it only when it suited me. Maybe.

I do volunteer at Alcatraz (anyone need a personal tour?), but that is, at most, once every two weeks.
by Raybo
Thu May 29, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4007

Re: Fighting a scamming company

Why not send them an official looking bit of correspondence from,say, the FBI, demanding they contact them at the Costa Mesa office, or that Agent Smith from the IRS will be visiting to audit tree 2010-2013 tax returns.
by Raybo
Mon May 19, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fighting a scamming company
Replies: 13
Views: 1688

Re: Consumption smoothing of retirement

I don't see retirement as a time of "leisure." I see it as a time of living without having to work for money. That is, where I decide what I do with my time. The idea that one "sits around" when retired is a common fallacy accepted by people who have been inculcated with the beli...
by Raybo
Fri May 16, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Consumption smoothing of retirement
Replies: 23
Views: 2257

Re: What to see and where to eat in Barcelona

I didn't see this mentioned so I wanted to add a caution. Barcelloneons (is there such a word?) eat dinner very late. Don't expect to eat before 8pm. If you do go then, you will be the only people in an empty restaurant. Many eating places stay open past midnight. Also, plan your days so that you, t...
by Raybo
Wed May 14, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: What to see and where to eat in Barcelona
Replies: 29
Views: 2150

Re: Stock Market to Plunge? What a friend said.

For the sake of argument, let's assume there are people out there who can predict when the market will fall. The only way to know if you co-worker is one of these people, is to look at his/her previous predictions. Has s/he made similar predictions? Where those predictions correct? Note that getting...
by Raybo
Tue May 13, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6119

Re: Are I Bonds a part of your portfolio?

I bought IBonds when cash back credit cards could be used and one could buy $20K a year. While many of them were cashed to fund a house remodel several years ago, I still have a goodly amount of them (more than 5% of my portfolio). I have been retired since 2000 and am now entering my Social Securit...
by Raybo
Wed Apr 30, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 4050

Re: Socially Responsible (Progressive) Fund Options

You are asking for contradictory goals. A managed fund will cost more than an index fund. The more work the manager has to do, the more expensive. So, you (your wife) will have to compromise on the low-cost goal. As for acceptable companies, why not set up your allocation so that 100% of her money i...
by Raybo
Mon Apr 28, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 8808

Re: Need Ear Bud Recommendation

As long as we are recommending safety equipment for bicycles, I would never ride a bike without a rear view mirror. I wear a helmet, but it is only good for after I fall off. The mirror is, by far, the most important piece of safety equipment on a bicycle, except for the brakes, maybe. In my opinion...
by Raybo
Wed Apr 23, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Need Ear Bud Recommendation
Replies: 34
Views: 5690

Re: Need Ear Bud Recommendation

not to throw off the thread but i own high end sound isolating earbuds and actually don't wear them when i ride. don't you find it unsafe to block out the external noise if you are on the road? maybe it depends where / when you ride. This is why I only use one ear bud in my right (non-car side) ear...
by Raybo
Wed Apr 23, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Need Ear Bud Recommendation
Replies: 34
Views: 5690

Re: Post Your Favorite Recipe (Or Any Recipe You Like)

Here is another fabulous recipe: Flourless, Sugarless Chocolate Brownies 1 cups of walnuts 1.25 cups of pitted dates 1/2 cup cocoa powder 1/2 cup roasted almonds, chopped in small bits pinch of salt Put the walnuts in a food processor and chop until finely ground Add the cocoa powder and salt and pu...
by Raybo
Sun Apr 20, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Post Your Favorite Recipe (Or Any Recipe You Like)
Replies: 17
Views: 1493

Re: Post Your Favorite Recipe (Or Any Recipe You Like)

After reading about the detrimental health effects of dairy consumption, I decided to stop eating yogurt for breakfast. In looking for an alternative "glop" to mix in with my fruit and nuts in the morning, I decided to try a concoction based on silken tofu. For those not familiar with tofu...
by Raybo
Sun Apr 20, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Post Your Favorite Recipe (Or Any Recipe You Like)
Replies: 17
Views: 1493

Re: Live Now, Live Later?

Maybe I am reading your post incorrectly, but as I read it you can stop work today and still make $150K/yr without tapping any investment or retirement accounts and your house is paid for. Is that correct? You still have to worry about inflation on the $150K but that is what investments are for. It ...
by Raybo
Thu Apr 17, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 37
Views: 4434

Re: Where are the Opportunities now ?

HelloImAMac wrote:thoughts ?


Don't try to guess where the next "opportunities" are.
by Raybo
Thu Apr 17, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3563

Re: Draft email to investment advisor re outperforming Total

First off, why is the S&P 500 your benchmark? Do you only hold Large Cap US stocks? If not, than the S&P 500 isn't a good benchmark for you. A better measure would be one that contained the appropriate benchmarks for the percentages you have of Large, Mid, and Small cap stocks plus any inter...
by Raybo
Thu Apr 17, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2859

Re: quick confirmation of last minute tax question, please?

What's your other option? Report the $7K, pay taxes and then request a refund? The worst case is that you get a letter from the IRS demanding money. You write them a letter saying the 1099R was incorrect, why that is the case, document it, and you're done. In both of these cases, you'll have to have...
by Raybo
Mon Apr 14, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: quick confirmation of last minute tax question, please?
Replies: 4
Views: 324

Re: What does "invest in the market mean"

Mutual funds (people who aggregate other investor's money into pools and invest it for them) charge a fee to manage the money they are given to invest. The more they have, the more they make. Thus, mutual fund companies have to convince people to give them money to invest. Now, why should I give som...
by Raybo
Mon Apr 14, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: What does "invest in the market mean"
Replies: 11
Views: 921

Re: Need Ear Bud Recommendation

I do a lot of bike riding and listen to both music and audio books while riding. I used to use the flat ear buds that came with my iPhone. But, they didn't fit into my ears very well and I had the same wind noise problem you do. I tried acoustic conduction (through the bones near the ear) headphones...
by Raybo
Mon Apr 14, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Need Ear Bud Recommendation
Replies: 34
Views: 5690

Re: Wasting money on rent or buy in California

The unit is small less than 700 square feet 2 bedrooms 1 bath. We have 2 kids one of each. My kids have never shared a room before. We are currently living in over 3000 square feet house so this is a huge adjustment for us. My parents did something similar when I was a kid, relocating and jamming m...
by Raybo
Mon Apr 14, 2014 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2490

Re: Woodpeckers...I'm desperate!

How about mounting a metal backed piece of wood over the area where the bird pecks? That way he can peck holes to his hearts delight and not damage the side of your house. I am assuming the metal will stop him. It might not look good (can paint it to look like the rest of the house), but it might so...
by Raybo
Sat Apr 12, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 4785

Re: Car recommendations - Mazda6, accord, Prius

My wife and I had an Accord for years, maxing out at just over 40 MPG on a trip from SF to LA, though usually ending up in the mid-30s on the highway. In November, 2013, we bought a Prius after testing out several cars (all-electric, hybrid, gas only). The main problem with the Prius is its sight li...
by Raybo
Tue Apr 08, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 2289

Re: Tax Freedom Day later this year

I didn't owe any taxes for 2013, so I guess Jan. 1 was it for me.
by Raybo
Tue Apr 08, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Tax Freedom Day later this year
Replies: 5
Views: 614
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