Search found 1129 matches

by Raybo
Wed Jul 22, 2015 1:16 pm
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3695

Re: How to pay taxes on blog income?

Not reporting all your expenses is tax fraud just as much as not reporting all your income. I don't see how this is enforceable for sole proprietors filing a Schedule C. Is a book a business expense or for personal reading? Is a meal with a colleague for business or pleasure? Are miles driven for b...
by Raybo
Wed Jul 22, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3695

Re: How to pay taxes on blog income?

In other cases, a genuine and obvious business endeavor may take more than 3 years to become profitable, yet it is indeed a "business". (I guess the tech industry comes to mind... :? ) Is Jeff Bezos' little hobby endeavor profitable yet? ;) I believe corporations fit into a different cate...
by Raybo
Wed Jul 22, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3695

Re: How to pay taxes on blog income?

I will be a "sole proprietor" and file taxes under my Social Security number. I am wondering how I could demonstrate to the IRS the amount of my income in the absence of 1099 forms. When I was earning money as a sole proprietor and filing under Schedule C, my income far exceeded the 1099s...
by Raybo
Tue Jul 21, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Some Personal Finance Humor
Replies: 2
Views: 761

Re: Some Personal Finance Humor

"You're in good hands" that are in your pocket?
by Raybo
Tue Jul 21, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Wedding north of San Francisco
Replies: 13
Views: 1011

Re: Wedding north of San Francisco

There is a ferry that runs from Larkspur , a short drive from San Rafael. There is parking there for $2/day but, according to the website, you have to register your license plate on line to do so (I've never done it). The ferry will drop you at the Ferry Building, essentially Pier 0. Odd piers go no...
by Raybo
Mon Jul 20, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 2460

Re: lock for $500 bike

If you really want to be sure it will be back when you exit the store, get 2 locks that are different. I'd recommend a cable lock and a "U" Lock, making it harder for the thieves to do the job quickly. Cable locks are not expensive, $10-$15. "U" locks are a bit pricier, maybe $25+.
by Raybo
Mon Jul 20, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: water came from ceiling
Replies: 19
Views: 1466

Re: water came from ceiling

If you contact your home insurer, it will also have to be something you need to disclose when you sell your place. I had a leak under my house, reported it to the insurance company, got nothing for it, and was dinged by a house buyer for trying to hide something when I failed to disclose this leak (...
by Raybo
Sat Jul 18, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing a check on a business with no bank account
Replies: 18
Views: 1174

Re: Cashing a check on a business with no bank account

As far as using your own bank, your problem was that you tried to cash it and brought the discrepancy in names to the attention of the teller. I believe this is a case where it would have been a much better idea to NOT have asked about it and drawn attention to the "discrepancy". "Be...
by Raybo
Fri Jul 17, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing a check on a business with no bank account
Replies: 18
Views: 1174

Re: Cashing a check on a business with no bank account

What happens to the $22 when I destroy the check? Will it go to the state? Back to Dell?
by Raybo
Fri Jul 17, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing a check on a business with no bank account
Replies: 18
Views: 1174

Re: Cashing a check on a business with no bank account

Do you have a smart phone and a bank that allows deposits via the phone? I do and that is my first attempt on checks that I'm not sure they will cash. If it doesn't go through, it just sends you an email letting you know and end of story. Best of all, you still have the check to pursue other avenue...
by Raybo
Fri Jul 17, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing a check on a business with no bank account
Replies: 18
Views: 1174

Re: Cashing a check on a business with no bank account

Can you add "Raybo Co" to the title of your current checking account? Then remove it later? I was told that I couldn't open a business checking account without all kinds of paper work. The person at Chase seemed to be concerned about "Taxes." I didn't mention the fine they paid ...
by Raybo
Fri Jul 17, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing a check on a business with no bank account
Replies: 18
Views: 1174

Cashing a check on a business with no bank account

I am retired. When I worked, I worked for Raybo Co, which was a sole proprietorship (Schedule C). In 2004, I closed the bank accounts associated with that business. Note that I still do get paid for some work but my only client pays me with checks in my name, so cashing them is not an issue. Thus, I...
by Raybo
Fri Jul 17, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1695

Re: Getting rid of moles & voles (rodents)

I don't know if this will work with moles and voles as I've never dealt with them. But, I have had to deal with a serious gopher problem in the past. I got one of those pincer type traps and discovered that the best way to attract a gopher is to open up one of their tunnels. I got several by uncover...
by Raybo
Thu Jul 16, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1772

Re: Music player while exercising

I cycle a lot on narrow roads. I like to listen to audio books when I ride. While this seems dangerous, I only use one earbud in the ear that isn't facing traffic. I wrote a review of the One Good Earbud that puts both channels in the single bud so that you can listen to music, as well as, a spoken ...
by Raybo
Thu Jul 16, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

Well I ride a handbuilt Titanium Litespeed but I would trade For my wife's hand built steel Waterford that weighs the same as mine and will never rust but she refuses. I fully agree with your wife. I ride a Waterford Adventure Cycle and as much as I check out other people's bicycles, I have no desi...
by Raybo
Wed Jul 15, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

Now that we are so far off-topic that we are talking about our dream frames, I have to mentioned the wooden bikes again.

The maker is Renovo Hardwood Bikes.
by Raybo
Wed Jul 15, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

When I retired, I wanted to spend more time bicycling. But, I didn't know how much I would like it or be able to do, so I bought a cheap bike ($300 in 2000) and rode it a fair amount. After riding that bike several times a week for a few years, I decided to get an expensive ($4,000) bike with a prof...
by Raybo
Tue Jul 14, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: Whatever happened to the advocates of CDs vs Bonds?
Replies: 58
Views: 5581

Re: Whatever happened to the advocates of CDs vs Bonds?

When I was buying CDs over the internet, several years ago, the banks would always pull a credit report (required, I think). I locked my credit quite a while ago and wonder how much hassle it is to buy CDs with locked credit.

For those of you who buy only CDs, do any of you have your credit locked?
by Raybo
Sat Jul 11, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: buying ski condo to use in summer
Replies: 26
Views: 2520

Re: buying ski condo to use in summer

Long ago, I owned a ocean front condo in Kona, HI. The rental income wasn't close to enough to pay for the condo. It occurred to me that if one could buy a condo and have it paid for by the rental fees, then wouldn't it essentially be a "free" good. As such, the price would be bid up until...
by Raybo
Fri Jul 10, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: San Francisco Bound - Need Salary Advice
Replies: 55
Views: 5338

Re: San Francisco Bound - Need Salary Advice

I have no intention of living in suburban SF nor driving a cheap car You never answered the question of why you need a car in SF. It just might be worth it if you get to drive it everyday against the traffic (commute to Sebastopol?). But, driving a Ferrari (not all that uncommon here) at 25 MPH in ...
by Raybo
Thu Jul 09, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco Bound - Need Salary Advice
Replies: 55
Views: 5338

Re: San Francisco Bound - Need Salary Advice

I live in Noe Valley, San Francisco, a desirable neighborhood. According to the local paper (noevalleyvoice.com), the average 1-bedroom apt goes for $3,250/month. But, first, you have to find one and out-compete the other high-paid people looking for a "nice" place to rent. I doubt your av...
by Raybo
Wed Jul 08, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: New Book Titles from Nisiprius Press
Replies: 25
Views: 4702

Re: New Book Titles from Nisiprius Press

Money for nothing and the chicks are free This book is for people in Dire Straits, who have to live without earning money. The key is getting chickens who will lay eggs that hatch that can then be bartered for essential goods. Sold exclusively on MTV.
by Raybo
Tue Jul 07, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 11
Views: 1867

Re: Journal of my recent ride in Northern Italy

Looking at your trip makes me realize, how much I am missing while I have my crazy work weeks. I love what I do at work, but would love financial independence that I could do trips like this while I am still in good shape.... For what it is worth, when you run out of money, you are still alive; whe...
by Raybo
Mon Jul 06, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 11
Views: 1867

Re: Journal of my recent ride in Northern Italy

Nice Trip. Nice Blog. I read EVERY word and looked at EVERY picture. Thanks for the report. I really enjoyed it. Jim Jim, I am aware that this trip journal is more detailed and has more photos than usual. It is a hard balancing act to provide enough detail so other bike tourists can get useful info...
by Raybo
Fri Jul 03, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 11
Views: 1867

Re: Journal of my recent ride in Northern Italy

I did a similar trip 18-25 June. Biked (a group of 10) from Bolzano to Venice via Lake La Garda. We did it through Girolibero. For details, see http://www.girolibero.com/en/catalog/bolzano-verona-venice-across-lake-garda-and-through-verona I checked out that tour. I met a group of 4 couples riding ...
by Raybo
Wed Jul 01, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 11
Views: 1867

Journal of my recent ride in Northern Italy

In April, 2015, I rode a wide 21-day oval starting and ending at Milan's Malpensa Airport. I rode east along the bottoms of the big, and not so big, Northern Italian lakes all the way to Bassano del Grappa, where I turned north and west, slowly making my way back among the mountains, valleys, and la...
by Raybo
Sat Jun 27, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.
Replies: 7
Views: 880

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

Imbogled,

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

The offers still stands, as long as I am around SF.
by Raybo
Thu Jun 25, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 1036

Re: Best Educational iPad Apps for Adults?

I liked duolingo for learning a foreign language.
by Raybo
Tue Jun 23, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8806

Re: Money arguments with spouse and how did you resolve

I have never loaned money to a family member, but I have given it without expectation. It has never caused problems, only good feelings.
by Raybo
Sun Jun 21, 2015 7:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Casual San Francisco Boglehead meet-up?
Replies: 1
Views: 845

Casual San Francisco Boglehead meet-up?

I live in San Francisco and wonder if there are other Bogleheads that work and/or live in the city who would want to meet-up? I would be happy to meet on a workday (lunch or after-work), on the weekend, or any other time that others agree upon. I'm not trying to create an "official" meetin...
by Raybo
Fri Jun 19, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 56
Views: 7381

Re: Your Top 10 Books

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

The first thing I did when I stopped working was to (slowly) read these 10,000 pages.
by Raybo
Fri Jun 19, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why Bay Area real estate is so expensive
Replies: 12
Views: 2091

Re: Why Bay Area real estate is so expensive

All of the new houses and other new bldgs. built in the last 10 or 15 years have to be built at much higher cost than other areas of the U.S. due to meeting earthquake standards. Add to that a faster appreciation rate due to demand, well, it's no wonder, is it I am not aware of any open land around...
by Raybo
Thu Jun 18, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13996

Re: The "4% Rule" revisited

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


My estimate is 4% of all threads :wink:
by Raybo
Thu Jun 18, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13996

Re: The "4% Rule" revisited

I see/use the 4% rule as an easy way to explain to people how to go about planning for retirement. But, most of us will get social security and/or have some other pension money coming in so my out of pocket spending will change over time. There is a kink in my spending at 70 (or whenever I take soci...
by Raybo
Sat Jun 13, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 8856

Re: Aren't bogleheads predicting the long term?

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


I'm curious about what assumptions you make when you try to plan your financial future?
by Raybo
Sat Jun 13, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Fraudulent Charge Debited to Schwab Account
Replies: 25
Views: 2709

Re: Fraudulent Charge Debited to Schwab Account

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

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

I only use it at ATMs.
by Raybo
Fri Jun 12, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 8856

Re: Aren't bogleheads predicting the long term?

It seems to me there is more here than predicting the future market results. I see it as preparing for an unknown future as best I can. As others have said, low cost, diversified investments, liability matching are good ideas regardless of future market direction. But, the market is only one part of...
by Raybo
Thu Jun 11, 2015 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New - Need Help! Which book???
Replies: 28
Views: 2709

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

My recommendation is not to start investing until you have a plan on what you want to do. Do not, I repeat, do not hire a financial "advisor" until you know more than you do now. You can always put your "retirement" money in a savings account for the short while it will take you ...
by Raybo
Thu Jun 11, 2015 5:37 pm
Forum: Investing - Theory, News & General
Topic: Zimbabwe dollars are now worth something
Replies: 10
Views: 1834

Re: Zimbabwe dollars are now worth something

I wonder how long it will be before the "Retire Rich in Zimbabwe" articles start showing up?
by Raybo
Wed Jun 10, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

How are you going to make sure you get your bike back at the end and that it's still going to be in decent condition w/o taco'd wheels and the like? I assume rental bikes overall are expensive for just this reason. I've talked with some people in the local bike rental market and they rely on a cred...
by Raybo
Wed Jun 10, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

I don't think that kind of business would be worth the hassle and I think your market niche is way too narrow. You make good points about the kinds of people riding the coast. I know the market niche is narrow, but given that this kind of service isn't available at present, it is hard to now if peo...
by Raybo
Wed Jun 10, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

If I wanted to do this bike trip, I would line up craigslist bikes for $400 and buy one on arrival. Ride the tour and then sell it to a bike or pawn shop for what I could get, or if I had the time, put up a craigslist ad as soon as I purchased it for half of what I paid....maybe even including the ...
by Raybo
Wed Jun 10, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

I do agree in principle that renting a bike is much easier than packaging your own bike, paying the transportation cost, repacking, and shipping again on the backside. If I remember correctly taking a bike one way on a plane is about $200-$250, unless you tell them it is "art", then it's ...
by Raybo
Wed Jun 10, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

I estimate it would be around $400 for up to a 2 week rental. At that price it is not likely to be appealing to someone that already owns a bike like that. For $200 each way I would think that they could ship their bike to and from California and not have to worry about what problems the rental bik...
by Raybo
Wed Jun 10, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

The only way I could see this working if it was a fully outfitted self-guided trip for customers who are not regular cyclists. Charge $1,500-2,000, and have maps/campsites/hotels ready to go, and the bike being fully equipped with everything except personal items. For someone already into bike tour...
by Raybo
Wed Jun 10, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

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

I live in SF and am wondering if there would be any interest in a service that rented touring bicycles in San Francisco that could be dropped off in Los Angeles (or other cities south of SF, like San Diego or Santa Barbara). By touring bicycle, I am talking about a true touring bike (think Surly Lon...
by Raybo
Tue Jun 09, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: Recumbent biking on a budget
Replies: 2
Views: 459

Re: Recumbent biking on a budget

I'd be interested to see how they will live on $20 a day in Switzerland.
by Raybo
Mon Jun 08, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Frugal Extreme plus tax benefit?
Replies: 14
Views: 2302

Re: Frugal Extreme plus tax benefit?

Did he write off the mileage allowance for driving to CVS, as well?
by Raybo
Mon Jun 01, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 3210

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

On this trip, I transported my gear in 2 cases. One carry-on size, the other a 26x26x10 behemoth that weighted 50 pounds when all was said and done. https://lh3.googleusercontent.com/-cgdj1b_N3oM/VWyPvPMyqnI/AAAAAAAANm8/V_nkzOgm2Ow/s640/IMG_4677.JPG Since this was a loop ride, I made arrangements wi...
by Raybo
Mon Jun 01, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 3210

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

you must be in great shape riding all these mountain roads! I get this a lot and I never know how to respond. I generally take it as a compliment, but don't really feel like I am doing anything special. After all, I have trained for months to be able to do this. But, that is about the extent of my ...

Go to advanced search