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Re: Retirement planning - Too soon for TIPS?

I like the idea of matching my future liabilities with inflation-protected investments (IBonds or TIPS). I am already retired and have a good idea of the shortfall (expenses - SS) that I will have (assuming no major health expenditures) when I turn 70. For me, it is in the $20K/year area. Having IBo...
by Raybo
Wed Feb 25, 2015 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 25
Views: 2243

Re: What are Costco's best deals?

Things we always buy at CostCo:

Frozen organic blueberries
Walnuts
Almonds
Tomatoes
Kiwis
by Raybo
Tue Feb 24, 2015 7:54 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11154

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

Tactics of capturing the tax loss. :?: Assuming the purpose of harvesting a tax gain now is to be able to take a tax loss later at some opportune time is it In my case, I've already harvested the loss and it has covered several years of capital gains and a $3000 Roth conversion. Those losses have b...
by Raybo
Tue Feb 24, 2015 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 862

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

Mostly I tour around on my bicycle.

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

Currently, I am planning a tour of northern Italy. I leave April 7.
by Raybo
Mon Feb 23, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3071

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

............................... Your state taxes might be different and you might own capital gains taxes to them. ........................... or worse...........in some states, you pay ordinary income rates for CGs. In California, CGs are taxed as ordinary income. There is no way to avoid this (I ...
by Raybo
Mon Feb 23, 2015 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 862

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

Doc,

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

Powermega,

The was very helpful. Specifically, the advice about a) state taxes and b) deductions. I'll have to factor those in before December 31, 2015.
by Raybo
Mon Feb 23, 2015 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 862

Recapturing gains due to TLH at the 0% level

I harvested serious tax losses during the 2007-8 bloodbath in the market and have been writing off all my capital gains (including sales of shares to fund retirement) since. That will come to an end in 2014. My wife will be retired in 2015 and we will be in the 0% capital gains tax bracket. It seems...
by Raybo
Mon Feb 23, 2015 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Recapturing gains due to TLH at the 0% level
Replies: 16
Views: 862

Re: Best Use of TIPS Fund in Retirement

What, exactly, are you trying to accomplish by buying a TIPS ladder?
by Raybo
Sat Feb 21, 2015 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1583

Re: Best Use of TIPS Fund in Retirement

I have most of my TIPS investment in the Vanguard TIPS fund. I also hold IBonds and an individual TIPS (bought in 2008 when the market went a bit crazy). I would be happy to have a TIPS ladder to cover the estimated short-fall between my Social Security and expenses, which I estimate to be in the $2...
by Raybo
Sat Feb 21, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1583

Re: What is your favorite consumer product?

Green and Black 70% chocolate bar
Kirkland Organic Frozen Blueberries
by Raybo
Wed Feb 18, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9709

Re: Just no petroleum or defense?

I wonder if Swedrowe's small cap value and Treasuries would work for you. i don't know how much small cap funds contain of oil and gas but, at least, it is a well-researched and recommended approach to investing. Another approach is to invest in broad indexes and then donate the return you get from ...
by Raybo
Sun Feb 15, 2015 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 2778

Re: Advantages of working past your number

Dying with more money.
by Raybo
Fri Feb 06, 2015 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of working past your number
Replies: 53
Views: 4050

Re: Be wary of potential scam messages

Sometimes I have to send emails that might appear to be (or are marked as) spam, as I have to send programming code I've written for someone. I also send out emails with photo attachments and while on the road in foreign countries. Whenever I do, I always include something personal about the recipie...
by Raybo
Fri Feb 06, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be wary of potential scam messages
Replies: 9
Views: 827

Re: How to fire a client?

Not the same thing as you state, but I used to give programming courses to corporations long ago. When I wanted to stop leading classes for my long-term (over 10 years) client, I found them another vendor and told them it would be better and cheaper to hire them to do the work I was doing. The hando...
by Raybo
Sun Feb 01, 2015 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4892

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

my goal is I think to steer the friend to realize there is a cost of this plan and that my timeline to be paid back is 1 year. Why are these your goals? Does you friend not understand that loans incur costs? Does your friend not understand that loans have to paid back? I understand that you don't w...
by Raybo
Sun Feb 01, 2015 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 32
Views: 2168

Re: Filed your 2014 Federal Taxes yet?

My wife is a partner in an S-Corp and its taxes have to be done before we can do ours. We usually file close to April 15.
by Raybo
Sat Jan 31, 2015 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4043

Re: The lowest stock allocation you plan to stay with

I have been retired since 2000 (not the best year to pull the plug) and had a 60/40 stock/bond allocation for most of that time. In 2008, I began selling bonds and buying stocks as the market tanked (the last of my losses are being written off this year!). At the very bottom of the market, I could n...
by Raybo
Fri Jan 30, 2015 10:34 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4345

Re: Save More or Travel More ?

My suggestion is to establish a travel budget in your yearly expense allocation that allows you to take your family on one or more trips a year and still allows you to meet your savings goals. Remember, the future is uncertain. Saving for an uncertain future by foregoing experiences in the present i...
by Raybo
Thu Jan 29, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 1646

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

It sure seems people feel that the money invested in a retirement account that won't be called on for decades is an important barometer of where they will be in decades. It is the wrong way to look at it. The amount of money in a retirement investment is only relevant when it is close to being spent...
by Raybo
Wed Jan 28, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2809

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: 2198

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: 809

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: 809

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: 1483

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: 2930

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: 9761

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: 1206

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: 385

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: 1543

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: 1147

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: 10785

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: 1920

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: 2062

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: 1238

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: 2180

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: 961

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: 961

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: 2725

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: 740

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: 740

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: 740

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: 1273

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: 2725

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: 605

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: 11758

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: 384

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: 384

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: 11758

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: 11758

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: 1384

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: 3972
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