Search found 1383 matches

by Raybo
Fri Feb 17, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4929

Re: The russians are hacking me

I have a website that periodically gets dozens of repeated hackIng attempts. They are easy to spot in the site's logs. I finally got so tired of them that I gathered all the IP addresses from the Ukraine and shut them out of my site. No hacking assaults since!
by Raybo
Tue Feb 14, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2171

Re: Currently an Edward Jones client and need some advice

Edward Jones is only acting in your best interest to the point where they want to keep you as a client. That is, they can only shave money off your account to the extent that you will let them. The more agreeable you are, the more they will shave off (in my view). The only way to avoid the "sha...
by Raybo
Fri Feb 10, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Sonoma/Napa or Banff for anniversary?
Replies: 12
Views: 928

Re: Sonoma/Napa or Banff for anniversary?

I have ridden a bicycle from Lake Louise to Jasper. I wrote a journal of the ride (which started in Missoula, MT) and it has hundreds of photos of the ride starting at Lake Louise ( journal pages here ). It was incredible. However, I didn't ride through Banff as I was told it was a bit of a tourist ...
by Raybo
Thu Feb 09, 2017 4:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 250
Views: 8772

Re: Your USER NAME...what does it mean?

A nickname my sister gave me. Otherwise, it would be bicycleTourist.
by Raybo
Thu Feb 09, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - Itemizing
Replies: 16
Views: 1060

Re: Tax question - Itemizing

There is also the overpay state taxes trick. Here's how it works: In 2017, you over-deduct/pre-pay your 2017 state taxes. This will be deductible on your 2017 Federal taxes. Your overpayment will be refunded in 2018 (and you will have to declare the income). It is a way to boost your 2017 deductible...
by Raybo
Fri Feb 03, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 7416

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

Some things go away if you are in a higher tax bracket/have higher income. An example is the treatment of capital gains.
by Raybo
Wed Feb 01, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Vacation in Cancun, Costa Rica, or Punta Cana?
Replies: 12
Views: 1484

Re: Vacation in Cancun, Costa Rica, or Punta Cana?

I have only been to Costa Rica on your list. But, after spending three weeks there on a honeymoon, my wife and I decided that we'd rather go to CR then to Hawaii, which for us is about the same length trip. The place we truly loved was Bosque del Cabo, in the southern part of CR. It is above the wat...
by Raybo
Sun Jan 29, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 994

Re: Capital Gains Tax on selling your house

The tax rule is that you only have to report the gain on the sale of your house if it is over the excluded amount ($250K in your case). While the IRS will get a notification that you sold your house, it won't know how much you paid for it or its basis. While you do have to be able to "justify&q...
by Raybo
Fri Jan 27, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Applying for credit card with credit freeze
Replies: 10
Views: 460

Re: Applying for credit card with credit freeze

I wasn't applying for a card but just to be added to my wife's (our) Schwab vacation cash travel account. I got a letter telling me I couldn't be added. I called the number in the letter, managed to get to someone in the credit checking department, found out what agency they used, got my password ou...
by Raybo
Fri Jan 27, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3608

Re: How Do You Pay Your Monthly Bills?

Let me start by saying I have locked my credit, so I don't worry about someone opening a new credit card in my name. I pay all my bills on my single credit card and have the payment taken out of my account every month. I don't use checks anymore, unless I have to. I prefer cash to checks. It is wort...
by Raybo
Wed Jan 18, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Mitigating currency risk between USD and CAD
Replies: 11
Views: 589

Re: Mitigating currency risk between USD and CAD

Just so I understand: You want to hedge your dollar holdings against CAD. But, you don't want to hold any CAD denominated assets.

Is this correct?

If you don't actually have any CAD investments to hedge, then it seem to only leave hedging via options contracts.
by Raybo
Wed Jan 18, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Mitigating currency risk between USD and CAD
Replies: 11
Views: 589

Re: Mitigating currency risk between USD and CAD

My wife is a UK citizen and we travel there often to visit family. While we are not moving a large amount of money, we do maintain an account there in Pounds so that we can access spending money while we are there without worrying about the exchange rate. If the pound is down against the dollar, we ...
by Raybo
Wed Jan 18, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Building a TIPs Ladder
Replies: 14
Views: 1165

Re: Building a TIPs Ladder

A board member created a google spreadsheet to do the calculations for creating a tip ladder. Try this link: http://eyebonds.info/downloads/pages/TIPSLadder.html
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: 4602

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: 1491

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: 1491

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: 1491

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: 1491

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: 1491

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: 1491

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: 4602

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: 1491

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: 1491

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: 1491

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: 1966

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: 4563

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: 2645

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: 2829

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: 7218

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: 7218

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: 7218

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: 2020

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: 1280

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: 331
Views: 54241

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: 1274

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: 1274

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: 1274

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: 1797

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: 3500

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: 3236

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: 1531

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: 3915

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: 1311

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: 3915

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: 3236

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: 2955

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: 1475

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: 4631

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: 1944

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: 1944

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.

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