Search found 1409 matches

by Raybo
Fri May 26, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Second report on my bike ride from Amsterdam to Passau
Replies: 2
Views: 411

Second report on my bike ride from Amsterdam to Passau

I wrote my previous trip report on a rainy day in Aachen, happy that I was off the bike that day. Alas, it was a premature celebration. For the first time in over 15 years of traveling by bicycle, I endured a full day of rain. It was raining when I left at 9:15 in the morning and still raining at 6:...
by Raybo
Sat May 20, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: First report from my bicycle tour from Amsterdam to Passau
Replies: 4
Views: 553

Re: First report from my bicycle tour from Amsterdam to Passau

Miriam2 wrote:Raybo, you always take such beautiful and interesting photos, are we going to have a sneak preview?? 8-)


I haven't found a way to move photos from my camera to the internet without a computer, which I am not carrying. Alas, no previews.
by Raybo
Fri May 19, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: First report from my bicycle tour from Amsterdam to Passau
Replies: 4
Views: 553

First report from my bicycle tour from Amsterdam to Passau

I am sitting in room 413 on the fourth floor of the very nice Hotel Beluga in Aachen, Germany. In the past 5 days, I've ridden about 250 miles across The Netherlands, one quarter of the entire trip, and I need a day to rest off the bike. A few obvious observations: Virtually every road in The Nether...
by Raybo
Wed May 10, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Bicycling Delaware Maryland Pennsylvania
Replies: 13
Views: 764

Re: Bicycling Delaware Maryland Pennsylvania

Check out Delaware DOT bicycle maps page: http://www.deldot.gov/information/community_programs_and_services/bike/biking_in_delaware/maps.shtml Western Maryland rail trail: http://www.westernmarylandrailtrail.com/WMRT/index.html There are many trails and road routes throughout Pennsylvania. Search Go...
by Raybo
Sat May 06, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3874

Re: Best salads

I eat a salad for lunch most days. To me, a salad must have 5 different things or it isn't a salad! I tend to eat the same things--lettuce, celery, tomatoes, carrots, red peppers. I also add nutritional yeast and dulse (a seaweed that is a great source of iodine). I like adding beans, baked tofu, or...
by Raybo
Sun Apr 30, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7412

Re: Favorite Financial Indulgences

Staying in hotels instead of camping when I tour on my bicycle.

Symphony subscription

Leaving bigger tips at favorite restaurants
by Raybo
Thu Apr 27, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Capital One (on-line) vs Vanguard MM?
Replies: 3
Views: 420

Re: Capital One (on-line) vs Vanguard MM?

Capital One limits the number of on-line transfers to 6 a month. I use 2 each month so that my local bank won't charge me a monthly banking fee. They require one $500 electronic deposit a month. I use one to send $500 to my local bank and one to take it back. While I have never come up against this ...
by Raybo
Thu Apr 27, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Capital One (on-line) vs Vanguard MM?
Replies: 3
Views: 420

Capital One (on-line) vs Vanguard MM?

I have been using an on-line bank for years (ING/Capital One). The current interest rate is .75% on my account. Mostly, I use the on-line bank to hold the cash I have for my monthly expenses (I take out a year's worth at a time from my investment/retirement accounts). I move money from the on-line b...
by Raybo
Sun Apr 02, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6476

Re: Weird house buying experience

Was your negotiation based on getting a discount or on what you think the options were "worth?" That is, you appear focused on "getting a discount" versus "paying what you think it is worth." It reminds of something that happened to me when I was in business. I had a gu...
by Raybo
Thu Mar 30, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1347

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

I loved following your route through Italy via Google Maps and looking at your pictures of the places you visited. Gave a great flavor of almost being there. Very, very interesting. Are you planning a similar (quasi-real-time?) travelogue this time? For those of who can't do what you do it's great ...
by Raybo
Thu Mar 30, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1347

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

What type of bike and accessories do you use? How did you get them shipped to your starting point? For this ride, I am using a newly purchased Bike Friday New World Tourist, a folding bike designed for touring. I plan to leave it with in-laws in the UK so that I will have a bike there that I can tr...
by Raybo
Tue Mar 28, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1347

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

How do you even begin a plan for your routes? When I ride locally, I map it out on Strava or MapMyRide, but then remember from past experience whether a road is not bike friendly. How do you know whether a road is bike friendly or not? How far in advance do you set up your couch surfing accommodati...
by Raybo
Tue Mar 28, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4413

Re: What's your personal criteria for deciding whether or not to rent a car?

I have family in LA and live in SF, about 7+ hours driving (the way we drive), one way. As the Honda Civic we had began getting on in years, we decided to rent a car for the drive instead of putting all those extra miles on our car. Doing this probably saved putting several thousand miles on the Hon...
by Raybo
Sat Mar 25, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to explain MIL's high fees to her
Replies: 7
Views: 715

Re: How to explain MIL's high fees to her

The way I try to demonstrate it is to show the yearly return of a fund and then its expenses. For example, if the fund returned 8% in the year but the expenses were 2%, then most people can see that they lost a sizeable part of their return. In this case, of course, it is 20% (10% - 2% = 8% and 2/10...
by Raybo
Fri Mar 24, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1347

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

Looks like you will be heading through the tulip fields going south from Amsterdam; depending on weather and exact timing. If you hit a nice weekend, traffic (and contention for lodging) could be a challenge. You might want to do this on a weekday. It could be nice to make it as far as Brugge, in B...
by Raybo
Fri Mar 24, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 3088

Re: Buy a house or wait in bay area

If you can secure a 850k home in a relatively good location for 850k and keep maxing 401k/IRAs, that doesn't sound bad at all. But I thought multiple offer no contingency was common? Inventory flies off the shelf? I live in San Francisco and can say that the housing market seems to have cooled here...
by Raybo
Fri Mar 24, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1347

Thoughts on bicycle route from Amsterdam to Passau, Germany

I realize this is a long-shot but here goes.... I am planning my next bicycle tour. It will start in Amsterdam and end in Passau, (southeast) Germany. I have created routes that you can see here: Amsterdam to Aachen Aachen to Luxembourg City Luxembourg City to Baden-Baden Baden-Baden to Lindau Linda...
by Raybo
Fri Mar 24, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 1012

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

I was with ING before it was purchased by Capital One. I also had a free checking account with Washington Mutual before it was purchased by JP Morgan Chase. My approach is to move money from my Capital One account to my Chase account and write checks from there. Chase will provide a free checking ac...
by Raybo
Thu Mar 23, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: How to pay my first Medicare payment?
Replies: 10
Views: 938

Re: How to pay my first Medicare payment?

Thanks to all who responded. Given the stories I've heard here about having to contact the SSA when a bill arrives, I might simply arrange for someone to pay my Medicare bill when it arrives and wait until I return to submit the SF5500 form so that I can be in the US when all the phone calling has ...
by Raybo
Thu Mar 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: How to pay my first Medicare payment?
Replies: 10
Views: 938

Re: How to pay my first Medicare payment?

Thanks to all who responded. Given the stories I've heard here about having to contact the SSA when a bill arrives, I might simply arrange for someone to pay my Medicare bill when it arrives and wait until I return to submit the SF5500 form so that I can be in the US when all the phone calling has t...
by Raybo
Thu Mar 23, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: How to pay my first Medicare payment?
Replies: 10
Views: 938

Re: How to pay my first Medicare payment?

I am leaving on a long trip on May 10. I won't be back in the US until August 1. What will you do for coverage while your traveling? While some (not all) Medigap plans provide limited coverage outside the US, Medicare A/B/D does not. We are in Spain for most of May, and after pricing travel policie...
by Raybo
Wed Mar 22, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: How to pay my first Medicare payment?
Replies: 10
Views: 938

How to pay my first Medicare payment?

I will be receiving Medicare on May 1. I will not be taking my Social Security check for several more years. Thus, I will have to pay the government for my Medicare Part B. I understand from this locked thread that I will get a monthly or quarterly bill from the SSA (or someone else) for my Medicare...
by Raybo
Fri Mar 17, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5954

Re: Suspicious organic products

It appears unclear whether organic has less pesticide or not. From The National Pesticide Information Center (http://npic.orst.edu/health/ovc.html): Research has demonstrated that organic fruits and vegetables have smaller amounts of pesticide residue than produce that was grown conventionally. Here...
by Raybo
Thu Mar 16, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5954

Re: Suspicious organic products

I knew what I wrote would get the reaction it got. That is why I said "To each his own." Don't want to eat organic food? Think it's a waste of money? No reason to worry about chemicals put on/in food. OK, fine. I don't want a $5,000 watch. I want to eat organic food. I don't want a $50,000...
by Raybo
Thu Mar 16, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5954

Re: Suspicious organic products

First off, I would ignore all the people who will advise you that buying organic is a waste of money. Now that Roundup is being classed as a health hazard, I'd prefer to eat food that hasn't been (over)dosed with pesticide. To each his own. For those complaining about the cost of organic food, I hav...
by Raybo
Tue Mar 07, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Oh no! The Ohama Titanic Syndrome signal.
Replies: 24
Views: 4606

Re: Oh no! The Ohama Titanic Syndrome signal.

A great movie title!

Plot: A Japanese man whose brush with Godzilla left him psychologically unhinged spends all his time traveling on huge boats in an effort to keep safe from huge reptiles emerging from the sea. He dies when his ship skinks after hitting an iceberg.
by Raybo
Fri Feb 17, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5826

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: 2588

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: 1069

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: 342
Views: 21724

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: 1199

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: 8320

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: 1748

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: 1140

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: 558

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: 3835

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: 686

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: 686

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: 1290

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: 4807

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: 1588

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: 1588

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: 1588

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: 1588

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: 1588

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: 1588

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: 4807

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: 1588

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: 1588

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: 1588

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...

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