Search found 1563 matches

by Raybo
Sat May 26, 2018 3:33 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 43
Views: 2607

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

How much are this person’s monthly expenses? Are we talking meeting minimal life expenses or splurging with the extra $1,000/month? If due to overspending early on are there places to cutback if necessary in later years? The less you spend, the longer the nest egg will last. But, at mid-70s, no reas...
by Raybo
Thu May 24, 2018 3:17 am
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1307

Re: Riding from the mountains of Slovenia to the mountains of Italy

Great write-up / story and memories! Thanks for sharing. Also thanks to the Giro to make you pause in the middle and give you time to write this up and post it here. :) Does your wife ever meet you anywhere during such travels? I am trying to do some solo "adventure" trips that my wife would not wa...
by Raybo
Thu May 24, 2018 2:52 am
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1307

Re: Riding from the mountains of Slovenia to the mountains of Italy

White Coat Investor wrote:
Tue May 22, 2018 12:35 am
Did you go see the Zoncolan?
I didn’t. The Giro stage that started on Saturday (day before one in Tolmezzo) ended there. I went west, instead.
by Raybo
Mon May 21, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1307

Re: Riding from the mountains of Slovenia to the mountains of Italy

One day, Ray. One day, I’ll join you. A question: any regrets about your Bike Friday compared to a normal-sized touring bike with 700c (or 650) knobby tires? Something lightweight but able to handle gravel, dirt, tarmac and your gear? This is my second month long tour on the Bike Friday. I find It ...
by Raybo
Mon May 21, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1307

Re: Riding from the mountains of Slovenia to the mountains of Italy

wenzee wrote:
Mon May 21, 2018 12:54 pm
How can we view pictures of this lovely trip?

Best,

Wenzee
Middle of June.
by Raybo
Mon May 21, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1307

Re: Riding from the mountains of Slovenia to the mountains of Italy

That area is so pretty this time of year. Deserted too as its between seasons. It rained a bit everyday. There was some sun, but mostly clouds. Rarely got a view of peaks clear of clouds. More than one local said early September was the best time to visit. It is deserted, unless the Giro d’Italia i...
by Raybo
Mon May 21, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1307

Riding from the mountains of Slovenia to the mountains of Italy

I’m sitting in a fabulous house in the Dolomite town of Venas di Cadore, about 15 miles south of Cortina in Northern Italy. There are stunning, bare rock peaks in every direction, though often obscured by clouds. I’ll end this tour in Venice on Tuesday. I last wrote from Lake Bled in Slovenia. From ...
by Raybo
Fri May 04, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Second week of biking in the Balkans
Replies: 4
Views: 567

Second week of biking in the Balkans

I’m sitting in a very nice studio apartment in Mukinje, a village of apartment blocks and a grocery store right next to Plitvice National Park, both a UNESCO World heritage site and where the first fatality of the Serbian Croatian war of the 1990s occurred. It has been raining. When I last wrote, I ...
by Raybo
Mon Apr 30, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2538

Re: Cellphone use in Europe now inexpensive

dsmclone wrote:
Mon Apr 30, 2018 12:57 pm
I could care less about making calls. How is the data coverage? Who did you use?
I am using O2. I have their Clasic Pay As You Go plan. I have had decent coverage everywhere I’ve been so far.

Although, there is always a lag time when the phone won’t work when I cross a border.
by Raybo
Mon Apr 30, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2538

Cellphone use in Europe now inexpensive

I ‘m currently traveling in Europe (Italy, Croatia, Slovenia). I have an unlocked iPhone. New cellphone rules in the EU now mimic the way cellphones work in the US. That is , calling from one country to another or using a cellphone in a different country then where the SIMcard was purchased is now d...
by Raybo
Sun Apr 29, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1988

Re: My first week of cycling in Slovenia and Croatia

wilked wrote:
Sun Apr 29, 2018 6:22 pm
Which bicycle are you using?
In Europe, I use my Bike Friday folding touring bike with two rear panniers. It rides like a “real” diamond bike but is much smaller. In fact, it looks a bit like a clown bike.
by Raybo
Sun Apr 29, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1988

Re: My first week of cycling in Slovenia and Croatia

Sounds great. What temperatures are there this time of year? Are you airbnb-ing? It is spring like temperatures. Sunny, cloudless skies, so far. But, rain is coming in a few day. I tried to get hosted for free (couchsurfing, warmshowers), but nothing available in this part of Croatia. So, I’ve been...
by Raybo
Sun Apr 29, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1988

My first week of cycling in Slovenia and Croatia

I’m sitting in a nice studio apartment with an outdoor kitchen in the tourist destination of Rovinj on the southwest coast of Istria, Croatia. It has been a strenuous “rest” day of long walks, sea views, and old town charm. It has been 8 days since Julia and I flew out of San Francisco. After a very...
by Raybo
Mon Apr 09, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Travel to Costa Rica
Replies: 19
Views: 1887

Re: Travel to Costa Rica

My favorite place was Bosque del Cabo —Private Resort in the Southwest near Puerto Jimenez.
by Raybo
Fri Mar 30, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Venice Suggestions
Replies: 14
Views: 977

Re: Venice Suggestions

Thanks for all the good suggestions. I have been to both Padua (Giotto's frescos) and Vicenza. Some of the other suggested places might get on the list, though. (not sure if you will have your bike with you, Raybo, but that could complicate things, I would think). Venice is where my bike tour (start...
by Raybo
Thu Mar 29, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Venice Suggestions
Replies: 14
Views: 977

Venice Suggestions

My wife and I are going to Venice soon. I have been there twice before and am looking for things to see and do beyond the obvious. I have been to St. Marks Cathedral (and will go again), the Doge's Palace (twice), Murano (and will go again), The Scuola of San Rocco (and will go again), the Guggenhei...
by Raybo
Sun Mar 18, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)
Replies: 12
Views: 1031

Re: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)

The Cabot Trail is often a bike touring destination. I am aware that you aren’t biking. But, the information below might be of interest to you. Here is a link to a description of the bike trail and other information: http://www.cyclenovascotia.ca/routes/cabot-trail/ Here is a discussion about biking...
by Raybo
Thu Mar 15, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5127

Re: Bicycle Commuting in LA - Thoughts?

Please re-read what I actually wrote instead of inventing straw men, intentionally or not. A lot of the general hostility is appropriate and absolutely justified because it is directed at the bad actors. The general hostility that is directed at cyclists who obey the law and are respectful of pedes...
by Raybo
Fri Mar 09, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Freezing credit reports and opening CDs
Replies: 22
Views: 1898

Re: Freezing credit reports and opening CDs

dm200 wrote:
Fri Mar 09, 2018 5:50 pm
mbres60 wrote:
Fri Mar 09, 2018 5:34 pm
I may be naive but why would opening a CD require a credit check?
I don't fully understand this either?
One of the requirement since 9/11. The Patriot Act?

I have had this problem repeatedly and finally stopped using CDs altogether. Every new bank requires a credit check to open an account.
by Raybo
Sun Mar 04, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 22
Views: 2008

Re: New Zealand - Bucket list trip

We did a bus excursion from Te Anau to Milford Sound that included a couple hours kayaking in Milford Sound (in the rain). This is worth doing. It isn’t such a long day from Te Anau. From Queensland, it is a very long day. I’d recommend staying in Te Anau. We couchsurfed there for free, but there al...
by Raybo
Tue Feb 27, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14615

Re: How much cash do you keep at any time on checking?

I pay bills through my bank account. The amount I keep in there depends on that month’s credit card bill.

Usually, about $3,000.
by Raybo
Fri Feb 23, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3629

Re: I week in California, Road Trip Planning

Should you want to go to Alcatraz when you are in SF, you need to get your tickets well in advance. The website is Alcatraz cruises.com.
by Raybo
Sun Feb 18, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11644

Re: What has been your most important skill in achieving financial independence?

Try to get good at two unrelated things that, when combined together, uniquely qualify you to do a high paying (and satisfying) job. Very interesting...mind expanding on this a bit more? Examples? Example from my own life. I like to speak in public. Always have. I was on the speech team in High Sch...
by Raybo
Sat Feb 17, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11644

Re: What has been your most important skill in achieving financial independence?

Try to get good at two unrelated things that, when combined together, uniquely qualify you to do a high paying (and satisfying) job.
by Raybo
Wed Feb 14, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 9001

Re: How many of you use the "4% rule" during retirement?

I only use it when I talk with people who want to know about retirement spending and to check how I am doing with spending versus retirement pile. My wife and I spend what we want, though, we are frugal.
by Raybo
Sun Feb 11, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1374

Re: Can I track a friend's trip on my Windows computer?

When I go on bike tours, I use the Track My Tour app to place waypoints on a map that others with a link to the map can see.

The first two maps are free.
by Raybo
Fri Feb 09, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2083

Re: Folding bicycles

Last year, I wanted a folding bike to travel on and leave with family in the U.K. for later trips in Europe. After looking at various makes and models, I went with Bike Friday. I wrote an article about my selection process and my experience riding it here . I realize a Bike Friday isn’t in your list...
by Raybo
Tue Feb 06, 2018 7:52 pm
Forum: Forum Issues and Administration
Topic: Add city threads to Wiki?
Replies: 4
Views: 623

Re: Add city threads to Wiki?

Aren't there better sites on the internet for information about where to eat and what to do in a city when traveling? Wouldn't that clutter up the Bogleheads wiki and detract from its focus? Sure, there are “better” sites on the internet for just about every topic. Many of them are mentioned in the...
by Raybo
Tue Feb 06, 2018 5:41 pm
Forum: Forum Issues and Administration
Topic: Add city threads to Wiki?
Replies: 4
Views: 623

Add city threads to Wiki?

I see there is yet another thread on visiting San Francisco. There have been several.

Why not add a section to the wiki for cities and/countries that have had extensive threads about where to visit? It might save on thread count!
by Raybo
Tue Feb 06, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2272

Re: Visiting SAN FRANCISCO

San Francisco has a lot of unique things. It is hard to recommend something without some idea of what you are looking for. For example, do you want to tour a WWII submarine? Visit an amusement game museum? Modern art? jazz or classical? Food preferences? Alcatraz? Nature? Hiking? Note that August is...
by Raybo
Sat Feb 03, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Matching a TIPS bond ladder with ST and LT TIPS bond funds
Replies: 98
Views: 5208

Re: Matching a TIPS bond ladder with ST and LT TIPS bond funds

Suppose I need $15K a year starting in 5 years for the next 20 years? The “real interest” duration of Vanguard’s intermediate TIPS fund is about 8 years. Since I don’t need the money for 5 years, is there any reason to convert some of the intermediate TIPS to the short term fund?
by Raybo
Sat Jan 27, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Balkans and Dolomite advice
Replies: 0
Views: 200

Balkans and Dolomite advice

I’m fairly deep into planning my next bike tour. My wife and I are attending a wedding just south of Brussels in May. Since I’m going there anyway, another bike tour in Europe is in the offing. I have heard such good things about Slovenia (east of Northern Italy on the Southern flank of the Austria ...
by Raybo
Sat Jan 27, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine your True AA%?
Replies: 8
Views: 770

Re: How to determine your True AA%?

While focusing on maximum loss and ability to stay the course is important, I think the first step should be to try and determine how much risk do you need to take. How much return do you need to get for the next 20 years to meet your retirement goals? By estimating amount contributed each and how m...
by Raybo
Mon Jan 08, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 2113

Re: Muir Woods (California) requires reservations.

For those willing to hike down and then up the hills, you can access Muir Woods from a trail that starts (way) above it where parking is a bit more accessible. The hike is maybe 2 miles down. You also have to walk back up to your car. The flat hike through Muir Woods adds another 1.5 miles or so. PM...
by Raybo
Sun Jan 07, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Bike tour in Portugal
Replies: 7
Views: 804

Re: Bike tour in Portugal

I’ve not ridden in Portugal. The best place for journals of people who have done similar trips is crazyguyonabike.com

This page has 5 links to information about bike touring in Portugal.
by Raybo
Sun Jan 07, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4457

Re: PE firm is buying my practice. Help!

Don’t invest more than you are willing to lose. Also, remember that this is not a publicly traded investment. So, getting access to your money will be at the whim of the managing partner/corporation. How does this entity report taxes? Do they have capital gains or dividends? Will you get imputed inc...
by Raybo
Mon Jan 01, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10431

Re: What non fiction book will you be reading in 2018?

cheese_breath wrote:
Wed Dec 27, 2017 8:20 pm
The Bible.
Moby Dick
by Raybo
Fri Dec 29, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Spain Trip: Barcelona & Girona + Cycling
Replies: 11
Views: 749

Re: Spain Trip: Barcelona & Girona + Cycling

Here are some suggested routes in and around Girona: http://www.viesverdes.cat/EN/1/home.html?idm=3
by Raybo
Fri Dec 29, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9944

Re: Plow Guy Raised Rates

Move to San Francisco where snow plowing is factored into the cost of housing.
by Raybo
Sat Dec 23, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 23
Views: 1937

Re: New Zealand Accomodations

You can take a mail boat from Picton all the way to the start (end?) of the Queen Charlotte track. We took it and got photos of dolphins swimming along side the boat that were truly amazing. The boat will also bring you back. We hiked for several days on the QC track and enjoyed it, even though it r...
by Raybo
Sat Dec 23, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Where to stay - Venice & Rome
Replies: 21
Views: 1423

Re: Where to stay - Venice & Rome

Are they interested in cooking their own food? If so, do what we did, rent an apartment (VRBO, AirB&B, etc) and then shop at street vendors and nearby supermarkets in Rome. While the food in Italy is grand, how many times in a row can you eat pasta and pizza? The local baker, just around the corner,...
by Raybo
Sat Dec 23, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 77
Views: 8153

Re: Are Roth IRAs overrated?

Another issue not mentioned yet is that money taken out of an IRA impacts how other income is taxed. For example, Social Security is taxed in various percentages based on your total taxable income. I dont believe withdrawals from a Roth affect the taxation of Social Security. The same goes for capit...
by Raybo
Fri Dec 15, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Question About TIPs and TIP Funds
Replies: 43
Views: 2176

Re: Question About TIPs and TIP Funds

Why do you want to buy TIPs? This will affect the answer. They have a specific purpose: to insure against unexpected inflation. The rates are low now because a) interest rates are low and b) no one is expecting higher inflation. If inflation spikes up, the insurance aspect of TIPs will also spike up...
by Raybo
Thu Dec 14, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: How easy is it to minimize tax liability yourself without a CPA/accountant?
Replies: 26
Views: 2885

Re: How easy is it to minimize tax liability yourself without a CPA/accountant?

It depends on how complex your financial life is. I started doing taxes myself, in pen way before software was available to do it, when the CPA I went to made a mistake (that I found) and then charged me more than the mistake cost in tax to file the form to fix the mistake. I figured that even if I ...
by Raybo
Sat Dec 09, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: IRS Rule of 55 vs. 72(t) Distribution
Replies: 8
Views: 1193

Re: IRS Rule of 55 vs. 72(t) Distribution

Rule of 55 - Per IRS Publication 575, the Rule of 55 allows an employee who retires, quits, or is fired at age 55 to withdraw without penalty from their 401(k). This applies if you leave your job at any time during the calendar year in which you turn 55 or later. This only applies to funds withdraw...
by Raybo
Fri Dec 08, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18398

Re: Save all this money, what do you splurge on?

Hotels on bicycle tours so I don’t have to sleep on the ground.
by Raybo
Fri Dec 08, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 11780

Re: Retire in my early 40s? Crazy or actually doable?

I retired in my 40s (at 48). I didn't have your level of assets but I did sell into a housing bubble and rebalanced into the 2007-8 crash. Both helped a lot. While one important issue about such early retirement is money, another equally important question is what will you do with your time? I found...
by Raybo
Thu Dec 07, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7491

Re: House on the market less than a day. Did listing agent commit fraud?

I used to run along the same route several times a week. One day, I was running past a house and noticed a For Sale sign on the lawn that hadn't been there the day before. I called the realtor, looked at the house and made an offer that day. All of this happened before there was even an open house f...
by Raybo
Sat Dec 02, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1764

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

With locked credit, buying a CD from a bank is a major hassle. While I could buy them in my Vanguard investment account, I would lose any early withdrawal option.

I don't bother.
by Raybo
Sat Nov 25, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5972

Re: Etiquette question: going out to dinner with friends and how to split the bill

This often comes up for me. I am a vegetarian and often there are very few menu options and they are almost always the cheapest ones. In addition, I don't drink. But, I am good with math and can easily calculate what I owe. There are times when it is easier to simply divide the bill by the number of...