Search found 1370 matches

by Raybo
Sun Jan 15, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 46
Views: 4260

Re: Retired, expenses covered but still growing portfolio, why?

I don't fit your description of having my expenses covered nor do I have a mid 7 figure portfolio. So, maybe I shouldn't be answering. But, I have been retired for some time and my portfolio has been growing despite my expenses coming out. One reason I was able to retire when I did was my frugal ha...
by Raybo
Sun Jan 15, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

Why not simply have a category of "Stocks - Other", "Bonds - Other" and "Cash - Other" as catch-alls? I'm trying to create something that will work for most people. Not a sophisticated tool that handles every possible investor. Why not simply let the user supply his ow...
by Raybo
Sun Jan 15, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

Would momentum fit into the "Stocks" category or "Other"? What you want to do is build something with multiple dimensions. In the equity space you would want: International / Domestic Size (large, medium, small) Style (Value, Growth) Factor (Momentum, Low Beta, etc.) I was just ...
by Raybo
Sun Jan 15, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

Would momentum fit into the "Stocks" category or "Other"? What you want to do is build something with multiple dimensions. In the equity space you would want: International / Domestic Size (large, medium, small) Style (Value, Growth) Factor (Momentum, Low Beta, etc.) While I can...
by Raybo
Sun Jan 15, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

International Real Estate Is International Real Estate a different category than "Other - Real Estate"? I assumed so. The "Other" group seemed to capture alternative investments, which led me to assume you meant the real estate category to consist of actual real estate ownership...
by Raybo
Sun Jan 15, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

I am writing a program to track investments and asset allocation. Part of the design is that every investment has to be put in one (or more) categories. Thus, I need to create a list of possible investments that someone might have as part of their portfolio and/or asset allocation. Once you get int...
by Raybo
Sun Jan 15, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

iceport wrote:International Real Estate


Is International Real Estate a different category than "Other - Real Estate"?
by Raybo
Sun Jan 15, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 46
Views: 4260

Re: Retired, expenses covered but still growing portfolio, why?

I don't fit your description of having my expenses covered nor do I have a mid 7 figure portfolio. So, maybe I shouldn't be answering. But, I have been retired for some time and my portfolio has been growing despite my expenses coming out. One reason I was able to retire when I did was my frugal hab...
by Raybo
Sun Jan 15, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

There are some in-between things that folks seem to have trouble with: TIAA Real Estate Account --- is it real estate? a mix of bonds and real estate? TIAA Traditional Annuity --- is bonds? fixed income? stable value? long-term reserves? Stable value funds I-Bonds --- G fund --- Various annuities (...
by Raybo
Sun Jan 15, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

Re: List of possible investments

I may be misunderstanding your goal....but... What about growth stocks? Global stock funds and global bonds International small cap I Bonds EE Bonds Balanced funds/Asset allocation and target funds The idea is to allow people to specify their asset allocation and then to compare their current holdi...
by Raybo
Sun Jan 15, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: List of possible investments
Replies: 23
Views: 1411

List of possible investments

I am writing a program to track investments and asset allocation. Part of the design is that every investment has to be put in one (or more) categories. Thus, I need to create a list of possible investments that someone might have as part of their portfolio and/or asset allocation. I have placed inv...
by Raybo
Sun Jan 08, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 20
Views: 1866

Re: American Funds vs. index funds - comparing returns

Whenever comparing funds from different fund families, it is vitally important to make sure you are comparing the right benchmarks. Often, funds compare their performance to the S&P 500 (the index doesn't count dividends) even though they aren't only investing in the largest cap US funds. This i...
by Raybo
Wed Jan 04, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Bernstein on Bonds...wow
Replies: 31
Views: 4484

Re: Bernstein on Bonds...wow

larryswedroe wrote:Really no reason to buy Treasuries when can buy much higher yielding CDs in general, unless you know you may need liquidity.


Opening up CDs is a bother if you have locked your credit.
by Raybo
Thu Dec 22, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: How to become a public speaker?
Replies: 30
Views: 2544

Re: How to become a public speaker?

There is a national organization for professional speakers called the National Speakers Association (NSA). If she wants to know what it is like to try and earn money speaking, she should attend some of their meetings. There are local chapters throughout the world.
by Raybo
Wed Dec 14, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 2736

Re: Your fava 70% dark chocolate brand?

I have done many informal chocolate tastings in my home with friends. Without exception, the brand that always wins is the Lindt 70% bar mentioned above. While I have a serious chocolate hankering, bordering on addiction, the recent findings that most chocolates (including the Lindt 70% bar) contain...
by Raybo
Wed Nov 30, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7126

Re: FIRE how do you live now

My passion, these days, is bicycle touring. This requires serious dedication and training. Currently planning a 1000 mile ride across Western Europe a week after my 65th birthday (Medicare in May is my new mantra). How long does it take? I have done 1 week bike trips in Europe (Italy, Slovenia, Aus...
by Raybo
Wed Nov 30, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7126

Re: FIRE how do you live now

My passion, these days, is bicycle touring. This requires serious dedication and training. Currently planning a 1000 mile ride across Western Europe a week after my 65th birthday (Medicare in May is my new mantra). How long does it take? I have done 1 week bike trips in Europe (Italy, Slovenia, Aus...
by Raybo
Wed Nov 30, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7126

Re: FIRE how do you live now

Before I retired, my purpose was to earn enough money to retire without doing too much evil. Now that I've retired, my purpose is to enjoy myself without doing too much evil. My approach to things hasn't changed much, in that, I work on projects with the same determination as before. My passion, the...
by Raybo
Wed Nov 16, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1943

Re: Download quotes to excel spreadsheet

I found this page (http://www.financialwisdomforum.org/gum ... o-data.htm) that describes what all the codes are and other useful description of using this yahoo feature.
by Raybo
Sun Nov 13, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: IRA withdrawal taxation
Replies: 17
Views: 1230

Re: IRA withdrawal taxation

It sounds like a bad deal so I hope I'm missing something. Your income tax rate is based on your income level. If, in retirement, your income puts you in the top tax bracket, then you will pay the top tax rate. But, why would you have such a high income after you retire? If you are no longer earnin...
by Raybo
Thu Nov 10, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 257
Views: 38668

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Taylor: I disagree with the philosophy of stealth wealth. If you can afford the better things in life , then why deny yourself? If you can afford a Lexus (and want one), then why not? If you can afford to buy your wife that $10,000 diamond watch for your 30th wedding anniversary, then why not? If y...
by Raybo
Wed Nov 09, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1251

Re: How to do secure communications to my web server?

I was able to load iTerminal on my iPad, setup my private key, and ssh onto my system. Problem solved!

Thanks for all the help and ideas!
by Raybo
Tue Nov 08, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1251

Re: How to do secure communications to my web server?

Do you control this web server? If you do you could run a secure shell daemon and use a client, such as putty, to access the site. putty is portable and could be run from a USB stick. If the site is hosted do they offer SSH admin access? What you are proposing seems complicated to me. I don't contr...
by Raybo
Tue Nov 08, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1251

How to do secure communications to my web server?

I created a website that runs on a remote server. I wrote all the code from scratch. All the data is stored in a mysql database and my code serves up html pages. I do all the site's maintenance directly by telnetting onto my remote server and issuing commands. Unfortunately, due to secure login prob...
by Raybo
Fri Nov 04, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 1740

Re: Visiting San Francisco

The Alcatraz ticket website is www.Alcatrazcruises.com. But tickets in advance or risk not getting them.

I am a docent there and can give you a personal tour "behind the scenes," if I am in town.

PM me with you boat time and dates.
by Raybo
Wed Nov 02, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 3406

Re: Best Ear Buds for Running

I don't run anymore but I do a lot of bicycle riding. I think everyone can agree that biking is much more dangerous than running. Hearing vehicles coming up behind me is a key safety practice. But, I also like to listen to audio books when I ride. In the past, I used One Good Earbud, which puts both...
by Raybo
Wed Nov 02, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 3019

Re: Anyone use Kaiser Senior Advantage for Medicare

I want to thank those who responded. I am not eligible for Medicare for another few months. I'd prefer to stay with Kaiser (San Francisco) and your responses have helped make me feel better about doing so.
by Raybo
Fri Oct 28, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 1489

Re: Moral Question

Morality aside, the question I have is "Why does Joe feel a need to make Peter pay?" Does Joe need the money? Does Peter have the money to pay? Is the amount so great that it will make a difference to both Joe and Peter? Is this about money or something else? Frankly, it seems a bit petty ...
by Raybo
Wed Oct 26, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 3850

Re: Chocolate Recommendations

I think there is no problem with eating two 43% bars if you like 86% and no problem eating four 21% bars if you like 83%. If we just talk about the moles of the chemicals that you get, then it just doesn't matter. Sure, you will get some sugar along with your other chemicals, but you can reduce suc...
by Raybo
Wed Oct 26, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hard money loan on as part of a residential real estate deal
Replies: 18
Views: 1259

Re: Hard money loan on as part of a residential real estate deal

Tax recommendations require much more information than you listed (tax rate state and federal, other tax deferred possibilities, capital gains, etc). My main question, hinted at above is: Why is the construction company offering this deal to you? While $95K is a sizable pile of money, it doesn't see...
by Raybo
Wed Oct 26, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 3850

Re: Chocolate Recommendations

I have been a serious consumer of high-percentage chocolate bars for decades. Everyone who knows me brings me chocolate bars. After some serious effort, I've managed to reduce my intake to about half a bar a day, though, I often take down an entire bar or more in a day. I used to keep a log on my ph...
by Raybo
Tue Oct 25, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 3019

Anyone use Kaiser Senior Advantage for Medicare

I will be eligible for Medicare in a few months. I've been a member of Kaiser for over 30 years and would be happy to stay with them for my Medicare. It appears their top Medicare plan is Kaiser Senior Advantage. I am wondering if there are others who are long term Kaiser members who have switched t...
by Raybo
Fri Oct 21, 2016 4:26 pm
Forum: Investing - Theory, News & General
Topic: "That's Rich"
Replies: 7
Views: 2939

Re: "That's Rich"

On my recent bicycle trip in Southern Italy, I was slowing grinding my way up to the top of a set of steep switchbacks when I thought "about how lucky I was to be moving slowly through such a pretty place under my own power with little to worry about other than when I'd get to the top of the hi...
by Raybo
Wed Oct 12, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Looking for Help from BH Bridge Players
Replies: 23
Views: 1446

Re: Looking for Help from BH Bridge Players

My parents taught me the rules of bridge when I was a small boy. I've always enjoyed playing but didn't get serious until a few years ago. I found a partner and we played weekly and at bigger monthly and quarterly events. I stopped after a nasty encounter at the weekly game and haven't played since....
by Raybo
Tue Oct 11, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Considering Retiremnet but nervous
Replies: 26
Views: 4605

Re: Considering Retiremnet but nervous

I retired in 2000 at 48. At the time, I didn't have enough assets for such a long retirement but didn't know it until I discovered the Bogleheads forum at Morningstar. A few years later, I sold my house and moved in with my now wife and banked the entire proceeds. I now figured I had a large enough ...
by Raybo
Tue Oct 11, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 30 year old, who's planning an early retirement
Replies: 16
Views: 1924

Re: Advice for 30 year old, who's planning an early retirement

You also need a plan for how you will spend your time. I retired at 48 and discovered that every one I knew that was my age was still working (some of my friends are just now starting to work less). You need to have things to during the day that don't involve spending time with old friends. Yeah, a...
by Raybo
Mon Oct 10, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 30 year old, who's planning an early retirement
Replies: 16
Views: 1924

Re: Advice for 30 year old, who's planning an early retirement

You also need a plan for how you will spend your time. I retired at 48 and discovered that every one I knew that was my age was still working (some of my friends are just now starting to work less). You need to have things to during the day that don't involve spending time with old friends.
by Raybo
Fri Sep 23, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 141
Views: 12409

Re: The Trouble with "Buy and Hold"

Here are the return dollars from Table 6: Faber TAA S&P500 Starting Equity $100,000.00 $100,000.00 Ending Equity $6,886,468.86 $6,640,526.07 So, a difference of $240,000 over 44 years has got you all excited? Maybe we should investigate the Will Rogers strategy: Don't gamble; take all your savin...
by Raybo
Thu Sep 22, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Email from Financial Advisor
Replies: 31
Views: 4969

Re: Email from Financial Advisor

Looking at a summary of the Washington Mutual fund, it is clear that it is not trying to mimic the S&P500. It's largest holding is Microsoft, not Apple, which doesn't appear in its top 10 holdings. It also can hold up to 10% of its assets in foreign funds. As is always the case with these kinds ...
by Raybo
Thu Sep 08, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: 60 Year SWR Model
Replies: 15
Views: 2064

Re: 60 Year SWR Model

This analysis only works if you only buy US equity, as your numbers come from only US equity sources. What happens if your P1 falls short? Do you take it from P2? If so, there are lots of problems you are ignoring. Also, what about taxes and RMDs? You are predicting average stock returns 60 years in...
by Raybo
Thu Sep 08, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 1932

Re: Traveling to Italy and renting a vehicle -- auto insurance?

I rented a car in Italy many years ago and buying rental insurance was required. I don't know if it still is, but you should check what it covers.
by Raybo
Fri Sep 02, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3966

Re: Favorite Vegan Products

My current favorite is Field Roast hot dogs. They make several soy-based ones. I prefer the one made from Seiten (wheat gluten).

At my CostCo (SF), they sell a tofu burger from Hodo that is fabulous.
by Raybo
Wed Aug 31, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 13411

Re: Ric Edelman's The Truth about Retirement on PBS

I'm in the "no mortgage at retirement" camp. It seems to me it is better to have $500K in an IRA than to have $1MM in an IRA and a $500K mortgage. One issue is larger RMDs and, therefore, taxes. While the mortgage deduction gets you something, you still have to have enough deductions to ta...
by Raybo
Mon Aug 29, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 352
Views: 42386

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Prime harvesting looks very interesting. But, when you have most of your bonds in the tax deferred accounts and you're not 59.5, it's not viable is it? Selling stocks in taxable and then selling bonds in an IRA and buying the stocks you just sold is a way to sell bonds in your IRA. However, buying ...
by Raybo
Mon Aug 29, 2016 3:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 10712

Re: I think I found Rick Ferri

I wish him the best. Though, I can't help feeling it would be better if he and Daria were riding a tandem bicycle!
by Raybo
Sat Aug 27, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 435

Re: Birding in Big Sur

I second the suggestion for Elkhorn Slough. I'd suggest renting a kayak and paddling in the slough. You could stay in Monterey, Watsonville, Santa Cruz or between any of them.

There is a fire in Big Sur. Also, when I have hiked there, the birding wasn't very good. Think trees but not much water.
by Raybo
Fri Aug 26, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 7095

Re: Homeowners should consider flood insurance

I live on a hill in San Francisco. I don't worry about too much rain. I worry about getting enough rain! When the rain does hit, though, I bet the streams of water are impressive. Cold hard ground doesn't absorb water, so it has to go somewhere. I must say that the river of water cascading down our...
by Raybo
Thu Aug 25, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 7095

Re: Homeowners should consider flood insurance

I live on a hill in San Francisco. I don't worry about too much rain. I worry about getting enough rain!
by Raybo
Thu Aug 25, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1248

Re: Journal of my recent ride through Southern Italy and Sicily

I suspect that you must have nerves of steel to ride on the streets near Palermo. The drivers there are crazy and do not obey any traffic laws as I am sure you discovered. The ride through Palermo was the last day of the trip. By then, I'd ridden all kinds of roads through all kinds of towns with a...
by Raybo
Wed Aug 24, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Any one read the New York Review of Books?
Replies: 3
Views: 520

Any one read the New York Review of Books?

Like most people, I enjoy reading good books. I also enjoy reading about books. As such, I have a subscription to the New York Review of Books (NYRB). This is not the book review section of the Sunday NY Times. The NYRB is a dense tabloid-shaped magazine that has in depth reviews of books, both fict...

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