Search found 1430 matches

by Raybo
Mon Jul 17, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3263

Re: Essential Bike (bicycle) Accessories

You need a rear view mirror. I like the "take-a-look" mirror that clasps into glasses or can be zip-tied to a helmet visor. You need high quality chain oil. I like full-fingered biking gloves to save my palms a bit. High-viz vest. It don't use water bottles. I prefer a camelback or similar...
by Raybo
Sun Jul 16, 2017 3:26 am
Forum: Personal Consumer Issues
Topic: San Jose and San Francisco Trip
Replies: 24
Views: 1719

Re: San Jose and San Francisco Trip

In some way, it depends on how much you want to spend. If your kids like baseball, you might try to get some tickets for the Giants. Note that there is a free standing room only viewing area for games that is very crowded. The stadium is nice to visit, either way. The number one attention for kids i...
by Raybo
Thu Jul 13, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10027

Re: % bogleheads of overall population

A little basic math: About 62,000 Boglehead members, US population is about 320 million (world population about 7.5 billion), that equates to <0.1% of the population depending on the population you use in the denominator. Any way you look at it, Bogleheads are nowhere near a majority of the populat...
by Raybo
Thu Jul 13, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 30
Views: 3680

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Dear Raybo, ...
by Raybo
Wed Jul 05, 2017 1:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Norwich, England?
Replies: 0
Views: 189

Any Bogleheads in Norwich, England?

I'll be visiting family near Norwich in Norfolk, England soon and am wondering if there are any Bogleheads near there who might like to get together?
by Raybo
Sun Jul 02, 2017 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Grandson's request for advice
Replies: 37
Views: 3501

Re: Grandson's request for advice

Clearly, this is a learning moment. Why not not follow Warren Buffet and bet your grandson if he can beat the indexes with his investment prowess. Keep it non-monetary, that is, have him send you his "buys and sells" and then track his "losses and gains" against TSM. But, just do...
by Raybo
Thu Jun 29, 2017 12:37 am
Forum: Investing - Theory, News & General
Topic: 14 years of retirement-calculated spending
Replies: 7
Views: 1643

Re: 14 years of retirement-calculated spending

...the value of staying the course and rebalancing in retirement, even when one of the worst drops in market history is factored in! were ever very tempted to Not stay the course and/or to not rebalance during the Drop? thanks It was hard to continually sell bonds and buy stocks during the worst of...
by Raybo
Thu Jun 29, 2017 12:30 am
Forum: Investing - Theory, News & General
Topic: 14 years of retirement-calculated spending
Replies: 7
Views: 1643

Re: 14 years of retirement-calculated spending

Doing the math, my yearly expenses equate to $19,200. In reality, I spent about $40K each of those years. Thanks for the post. Can you elaborate on what math you are doing (e.g. $200k / 14 yrs = $14.29k/yr). And your actual expenses stayed constant at $40k/year over 14 years? If so, that's amazing....
by Raybo
Wed Jun 28, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: 14 years of retirement-calculated spending
Replies: 7
Views: 1643

Re: 14 years of retirement-calculated spending

flyingaway wrote:I bet the unadjusted number is larger than the original one. There is a similar thread in early-retiremnt forum with similar results. Did you include the social security income?


I haven't taken Social Security yet, so it isn't figured in.
by Raybo
Wed Jun 28, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spending
Replies: 16
Views: 2183

Re: Retirement spending

"you will never spend it all. I don't know about "you" but I don't think "I" will spend it all! Since you can't spend all of your Social Security, this is certainly true. However, between bad investments/returns, inflation, and over-spending, getting down to 0 is certainly ...
by Raybo
Wed Jun 28, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spending
Replies: 16
Views: 2183

Re: Retirement spending

duplicate
by Raybo
Wed Jun 28, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Retirement spending
Replies: 16
Views: 2183

Re: Retirement spending

[quote="bbees"]"you will never spend it all"/quote] I don't know about "you" but I don't think "I" will spend it all! Since you can't spend all of your Social Security, this is certainly true. However, between bad investments/returns, inflation, and over-spend...
by Raybo
Wed Jun 28, 2017 1:41 am
Forum: Investing - Theory, News & General
Topic: 14 years of retirement-calculated spending
Replies: 7
Views: 1643

14 years of retirement-calculated spending

From the start of 2004 to today, my investible assets, both taxable and deferred, dropped $200K. That is $259K inflation adjusted (approximately). I earned no paycheck during these years. Thus, all my expenses came out of my investiments. Doing the math, my yearly expenses equate to $19,200. In real...
by Raybo
Mon Jun 26, 2017 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8396

Re: Where to find a financially like-minded significant other?

Maybe you should examine your search algorithm. Where are you looking for partners? You say you indulge a little yourself. If another person sees you indulging, they will makes assumptions about you that might lead them to believe you have different values than you do. What's more, I think you need ...
by Raybo
Sun Jun 25, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 1829

Re: If I want to have a safe portfolio in case of...

Assuming the three funds portfolio you have includes bonds, you simply have to rebalance into stocks from bonds when the market event you foresee happens. You don't state your current AA. If you want more "dry powder," sell some stocks and buy bonds/cash in preparation for the "event....
by Raybo
Sat Jun 10, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Fourth (and final) report of my bike ride from Amsterdam to Passau
Replies: 2
Views: 343

Fourth (and final) report of my bike ride from Amsterdam to Passau

My last report was written under a huge Sycamore tree in the bucolic Imperial Gardens of Innsbruck. Today, I am in Passau resting and spending time with Julia, having completed the ride yesterday afternoon. I left Innsbruck as soon as it started to rain (or it started to rain as soon as I left, whic...
by Raybo
Sun Jun 04, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 810

Re: Road bike tour to Europe

Check out https://www.cycletoursglobal.com Also, you might contact the Adventure Cycling Association (http://www.adventurecycling.org) to get a copy of the monthly magazine, which has several pages of classified ads for touring companies. Be sure to check local holidays when setting your schedule. T...
by Raybo
Sun Jun 04, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 700

Re: Third report from my bike tour from Amsterdam to Passau

AmericaFirst wrote:Excellent! What type of bike are you riding? How do you transport it?



This trip, I am riding a folding touring bike called a Bike Friday New World Tourist. It looks a bit funny but rides like a real bike.

The bike folds into a large suitcase and flies for free as a piece of sporting equipment.
by Raybo
Sun Jun 04, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 700

Re: Third report from my bike tour from Amsterdam to Passau

Raybo, I really appreciate the little clues you provide in your narrative that help pin down a little closer the route(s) you are following. Hope you are having fun! :beer I actually track my tour with an app called, surprisingly, trackMyTour! You can see my current route here: Amsterdam To Passau ...
by Raybo
Sat Jun 03, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3487

Re: Book - The New Retirementality

jharkin wrote:The MMM types who eat ramen noodles, live in a tent and get around on a bike so that they can boast of retiring at 30...


MMM? Sounds a lot like bicycle touring to me, which is what I've done since retiring!
by Raybo
Sat Jun 03, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Third report from my bike tour from Amsterdam to Passau
Replies: 6
Views: 700

Third report from my bike tour from Amsterdam to Passau

When I last wrote, I was in the spa town of Baden-Baden waiting around until the later afternoon so I could ride to Steinbach and the house of Julia and Swön (Swen), my couchsurfing hosts. Steinbach is about 8 miles south of Baden-Baden on the vineyard-covered flanks of the hills that make up the Bl...
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: 551

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: 654

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: 654

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: 954

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: 4258

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: 7975

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: 470

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: 470

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: 7254

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: 1520

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: 1520

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: 1520

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: 4904

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: 794

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: 1520

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: 3558

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: 1520

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: 1231

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: 1064

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: 1064

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: 1064

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: 1064

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: 6527

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: 6527

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: 6527

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: 4867

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: 6149

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: 2774

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: 18
Views: 1598

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 ...

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