Search found 1226 matches

by Raybo
Fri Feb 05, 2016 11:36 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 29
Views: 3311

Re: Bogleheads investment philosophy at huge risk?

I always find the hyperbole in these kinds of articles amusing: "long term disaster" - how does he define this? "blindly buying index funds" - what does this even mean? "overpriced" - No doubt Jesse knows when this occurs and can avoid it. Maybe for a fee he'll share th...
by Raybo
Wed Feb 03, 2016 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help Ditching Ameriprise
Replies: 7
Views: 833

Re: Help Ditching Ameriprise

I would sell them into cash and then contact Vanguard to transfer the cash. This way, assuming this is a taxable account, you get Tax Losses. They will be short-term, but useful anyway. You will be out of the market for a couple weeks, is my guess. In the scheme of things, I wouldn't worry about that.
by Raybo
Tue Feb 02, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4060

Re: Charles Ellis' suggested portfolios by age

I set my AA at the depths of the 2008 market plunge when I stopped selling bonds and buying (plunging) stock as my fear overcame my willingness to buy on the way down. At that time, I had 40% stocks. I've stuck with that percentage accepting that it equates with my risk tolerance.
by Raybo
Tue Feb 02, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2500

Re: Where to Stay in San Francisco?

Please try and message boglehead member Raybo in regards to giving you a personal tour of Alcatraz! He has done this for a few boglehead members. I am still available to show bogleheads visiting Alcatraz around. But, I'll be going on a bike ride in Southern Italy for some of the Spring. If you are ...
by Raybo
Thu Jan 28, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9408

Re: What is your favorite Financial Quote or Metaphor??

If you don't have room for the elephant, don't make friends with the elephant trainer. -- Sufi Proverb
by Raybo
Thu Jan 28, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Personal Long Term Disability Questions
Replies: 3
Views: 366

Re: Personal Long Term Disability Questions

As a heads up, years ago, I applied for a DI policy and was turned down because I said I was seeing a therapist. I asked if they would have rejected me if instead of seeing a therapist. I was seeing a clergyman/woman. They said it would have been evaluated differently, whatever that meant.
by Raybo
Fri Jan 22, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 2573

Re: Nutritional supplements - beware

For those interested in unbiased testing of nutritional supplements and related information, check out http://www.comsumerlab.com . It is a fee-based website ($39/year) that tests all kinds of nutritional supplements. They recommend and warn against specific brands and offer advice on them based on ...
by Raybo
Tue Jan 19, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 1902

Re: Bike or hike trip

mizchief wrote:this site lists tons of organized bike tours. All over the place in location and in price.

http://www.bikingbis.com/category/bike-touring/


As does this one: http://www.cycletoursglobal.com/Home
by Raybo
Sun Jan 17, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 1902

Re: Bike or hike trip

If you are willing to go into Canada, the Icefields Parkway between Jasper (a great place to spend a couple days) and Banff is some of the best bicycle riding I've done anywhere. It is about a week's worth of bike riding with some long hills, glaciers, waterfalls, bears, moose, milky blue rivers, fo...
by Raybo
Sun Jan 17, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 1902

Re: Bike or hike trip

I don't generally take long hikes but I have done two treks in the UK. The walks my wife and I have taken in the UK have been fabulous. We did a loop walk in the Lake District, which, while wet, was a great way to see some fabulous scenery and do some serious walking. We also did the South Downs Way...
by Raybo
Thu Jan 14, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Hand me down I-Phone..what can I do with it??
Replies: 31
Views: 1877

Re: Hand me down I-Phone..what can I do with it??

I, too, have an old iPhone that I no longer use in the US. I got it unlocked and take it with me to Europe, buy a cheap SIM card, and bingo, I have a cellphone that works in Europe.
by Raybo
Wed Jan 13, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: Are there diminishing returns to tax loss harvesting?
Replies: 23
Views: 1836

Re: Are there diminishing returns to tax loss harvesting?

One thing I didn't see mentioned is that mutual funds are required to distribute their capital gains each year. So, if you own mutual funds in your taxable account, you will get some capital gains each year, which are tax-free if you have losses to cover them.
by Raybo
Wed Jan 13, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring, now panicing. about my money.
Replies: 10
Views: 2315

Re: Retiring, now panicing. about my money.

I agree with peregrine. The key thing you need to know is how much money you will need to live on each month and how much money you will have coming in. That difference will determine how "sustainable" you withdrawal rate is given you pile of money. Once you know your "burn rate,"...
by Raybo
Tue Jan 12, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6288

Re: What would you tell your 25 yr old self?

Create a plan for what you want to do with your life and then use the furthering of that plan as a basis for whenever you have to make a decision.

Develop interests that will serve you both when you are working and when you are not.

Take more bicycle riding vacations
by Raybo
Sun Jan 10, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Where to ride in Southern Italy?
Replies: 1
Views: 246

Where to ride in Southern Italy?

I am starting to plan my next bicycle tour and have tentatively focused on Southern Italy, including the large islands Sicily, and Sardinia. I am planning a 3-week or so ride and am trying to decide some general itinerary so I can move forward with my planning. My initial idea is to fly to Naples an...
by Raybo
Wed Dec 30, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: bicycle insurance
Replies: 17
Views: 1053

Re: bicycle insurance

Be sure to keep the bike solidly locked when it is in your garage, too!
by Raybo
Fri Dec 18, 2015 10:58 pm
Forum: Personal Consumer Issues
Topic: Bought a 2009 Prius and now....
Replies: 28
Views: 3337

Re: Bought a 2009 Prius and now....

What about using public transportation or a bicycle?
by Raybo
Thu Dec 17, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8732

Re: Bogleheads: Share how you like to vacation

I have two. The first is riding a bicycle for a couple weeks or longer through beautiful countryside either in North America or Europe. Second is to travel to a world cultural center with my wife for a week or so of soaking in music, museums, and scenery.
by Raybo
Wed Dec 16, 2015 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: [Are there any exploitable inefficiencies?]
Replies: 82
Views: 6202

Re: [Are there any exploitable inefficiencies?]

I think there is a way to gain "inside" information legally. Here is how I did it. When I worked, I consulted (taught technical computer classes) for various companies in Silicon Valley. From my contact with managers, employees, and systems at these corporations, it became pretty clear whi...
by Raybo
Mon Dec 14, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Christmas Time : How to not appear rude
Replies: 67
Views: 7304

Re: Christmas Time : How to not appear rude

My family makes lists (on a website I created just for our family so all lists are accessible over the web). Like many here, there isn't anything I need that I can't afford. But, there are things I use all the time that I would buy myself but, instead get them at Christmas. Examples are shaving crea...
by Raybo
Sat Dec 05, 2015 9:04 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement?
Replies: 37
Views: 5096

Re: Early Retirement?

I retired at 48, single with a lower WR than you are projecting in 2000, one of the worst times to retire, due to sequence of return problems. I still have most of the pile I started with after living, traveling, remodeling a house, and paying for my own health insurance (note that I rebalanced all ...
by Raybo
Sat Dec 05, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Hall of Fame
Replies: 35
Views: 3542

Re: Bogleheads Hall of Fame

Petrocelli wrote:I demand a recount. I should get in on the strength of the $5,000 watch thread alone.



I agree.

Is the real Rico in the hall of fame?
by Raybo
Fri Dec 04, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Leveraging a commercial real estate in SF
Replies: 7
Views: 810

Re: Leveraging a commercial real estate in SF

Borrowing money to invest seems risky to me and I wouldn't do it. Can you restructure the ownership of the building so that you can sell half ownership in it for $2MM. That way you get your money out of the building to invest without the need to repay it. Maybe the tenant(s) would be willing to purc...
by Raybo
Tue Dec 01, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice specific to my situation [Saving for retirement]
Replies: 3
Views: 664

Re: Looking for advice specific to my situation

Self-employed people have a number of options for setting up retirement accounts. Here is an IRS article about Retirement Plans for Self-Employed Persons . When I was working at my own business, I put aside 25% of my revenue for taxes and retirement contributions right off the top of any check I rec...
by Raybo
Tue Dec 01, 2015 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my parents see the light with Ameriprise
Replies: 75
Views: 8256

Re: Helping my parents see the light with Ameriprise

While I am a firm believer in low-cost index funds, once upon a time, I had an Ameriprise (they were American Express, in those days) advisor and while his costs were high, he was a quality advisor who helped me understand the range of investment options out there and who knew the pension laws well ...
by Raybo
Sat Nov 28, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 24
Views: 2245

Re: Rent a bike in SF, ride to LA, and drop it off?

I did some more research on renting a touring bike versus bringing your own and have written up my analysis in an article, which can be read here.

My conclusion is that renting would make sense for trips shorter than 2-weeks, if one-way.
by Raybo
Fri Nov 20, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: The Monte Carlo question
Replies: 44
Views: 5118

Re: The Monte Carlo question

Rarely have I seen studies based on yearly historical returns. To get statically valid results you need long time periods which just invites secular change errors into one’s results. Most studies I have seen use some type of statically resampling technique. A nice thing about financial data is that...
by Raybo
Fri Nov 20, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: The Monte Carlo question
Replies: 44
Views: 5118

Re: The Monte Carlo question

The obvious issue with MC simulations is how to model the retuns of the various assets being held and inflation. Most people think of simulating asset return by the year and state that we have no good distributions to use and too few data points. But why should a financial simulation use yearly retu...
by Raybo
Thu Nov 19, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need to overcome our frugal habits and splurge a little in retirement
Replies: 63
Views: 7158

Re: Need to overcome our frugal habits and splurge a little in retirement

The biggest challenge in retirement for those without money worries is how to fill the enormous amount of time you now have without some external need filling it up. My suggestion is to make a list of all the things you'd like to do if time and money weren't an issue. The list should be made without...
by Raybo
Wed Nov 18, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Did you predict this week's market direction?
Replies: 41
Views: 3437

Did you predict this week's market direction?

After a weekend of attacks and news coverage, how many of us assumed that Monday would be a down day on both the US and International markets? I did. Yet, the market is up substantially for the week.

Think you can predict the market? Here was a real live test. How did you do?
by Raybo
Fri Nov 13, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: At what level does the cost of something matter to you?
Replies: 64
Views: 6240

Re: At what level does the cost of something matter to you?

... $1.50 vs. $2, $5.20 vs. $4.93, or even $12 vs. $16 are you saying that you pretty much ignore the price difference? It isn't so much that I ignore the price difference. It is more that I don't automatically choose the cheaper option all the time. Instead, I'll check out both products and buy th...
by Raybo
Fri Nov 13, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: At what level does the cost of something matter to you?
Replies: 64
Views: 6240

At what level does the cost of something matter to you?

I do much of the food and basics shopping for my household. Often, I am presented with different price points for similar products. With food, if given a choice, I choose organic over conventional regardless of the price. Though, I usually note the difference! But, for some items, where I have no pr...
by Raybo
Fri Nov 13, 2015 11:49 am
Forum: Local Chapters and Bogleheads Community
Topic: Journal of my ride to the 2015 Boglehead's Conference
Replies: 12
Views: 1494

Re: Journal of my ride to the 2015 Boglehead's Conference

It must take an incredible amount of planning to ride that far, but obviously well worth it. It seems there are two kinds of bicycle tourists: those who plan and those who don't. Clearly, the longer the tour, the harder it is to plan everything. Since I don't like to camp, I need to know if there a...
by Raybo
Thu Nov 12, 2015 9:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Journal of my ride to the 2015 Boglehead's Conference
Replies: 12
Views: 1494

Re: Journal of my ride to the 2015 Boglehead's Conference

Raybo: Thank you for sharing your latest ride to the Boglehead Convention. A double pleasure!! Best wishes. Taylor The only regret I have from attending the Boglehead Conference is not being able to meet you, shake your hand, and say "thank you" for all you've done to make the Boglehead s...
by Raybo
Thu Nov 12, 2015 9:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Journal of my ride to the 2015 Boglehead's Conference
Replies: 12
Views: 1494

Re: Journal of my ride to the 2015 Boglehead's Conference

I do think cyclists are the only people who use the word "undulate" :happy Given all the time a bicycle tourist has to wonder about things, it isn't surprising that some topics can get parsed pretty thoroughly. One example would be road incline. At the lowest rung would be "relativel...
by Raybo
Wed Nov 11, 2015 8:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Journal of my ride to the 2015 Boglehead's Conference
Replies: 12
Views: 1494

Re: Journal of my ride to the 2014 Boglehead's Conference

neurosphere wrote:2014 :confused

:D


Thanks. I fixed it.
by Raybo
Wed Nov 11, 2015 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Journal of my ride to the 2015 Boglehead's Conference
Replies: 12
Views: 1494

Journal of my ride to the 2015 Boglehead's Conference

I attended my first Boglehead Conference this past October. Since the fall can be a fabulous time to ride a bike, I decided to compliment my experience at the conference with a ride through American History by starting in Richmond, VA and making my way to Valley Forge, PA before heading off to the c...
by Raybo
Wed Nov 11, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship with my accountant has gone way south, need advice
Replies: 9
Views: 2314

Re: Relationship with my accountant has gone way south, need advice

You might try small claims court. Lawyers aren't involved and you can get try to get more than the $1,800 he is charging (up to whatever the limit is in your state) by showing how much more he cost you in taxes, let alone lost time and worry. You can also complain to the state agency that licenses C...
by Raybo
Wed Nov 11, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life. Can someone sum up why its a sucker scam (in as few words as possible)
Replies: 60
Views: 5853

Re: Whole Life. Can someone sum up why its a sucker scam (in as few words as possible)

1. Whole Life needs to be sold by a salesperson who has to be paid.

2. Life insurance is given special treatment in the tax code.

3. Both of these have to be paid for on top of whatever the death benefit is.
by Raybo
Fri Nov 06, 2015 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor evaluation
Replies: 28
Views: 2808

Re: Financial Advisor evaluation

I am always amazed when I see lists like the one you posted assembled by advirors. They look impressive. It seems like the advisor must be some kind of finance guru to assemble such an insightful list of funds. It sure looks like everything is covered. Yet, when you think about it, with 22 funds hav...
by Raybo
Tue Nov 03, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: $90,000 to invest but worried that the S&P 500 is in a bubble
Replies: 42
Views: 5357

Re: $90,000 to invest but worried that the S&P 500 is in a bubble

The key to making money in the stock market is not so much when you invest, but when you sell. Losses and gains are only booked when you sell them. Since you don't plan to sell these investments for decades, you have a long time to let them go up and down and grow over time, if that is what the futu...
by Raybo
Mon Nov 02, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Organic Food: Costco vs Trader Joe's vs Local Super market
Replies: 33
Views: 2624

Re: Organic Food: Costco vs Trader Joe's vs Local Super market

I eat organic frozen blueberries for breakfast everyday. We buy the 3 pound bag from CostCo for about $11. At Whole Foods, the 10 ounce bag is $4 and at Trader Joe's, the 12 ounce bag is $3. Since the blueberries are Kirkland brand, they always seem to be available. I don't buy anything else on your...
by Raybo
Mon Nov 02, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 61
Views: 3136

Re: Protein Bars and Smoothies

ThankYouJack wrote:Does costco have a decent selection of organic frozen fruit? I often buy frozen mangos, blue berries and strawberries at my local grocery store or trader joe's.


The one in SF does. We buy frozen organic blueberries, strawberries and mango. They also have a couple berry mixes, as well.
by Raybo
Mon Nov 02, 2015 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: HOW do you spend your money? (Cash, Debit, Check, Credit?)
Replies: 34
Views: 2147

Re: HOW do you spend your money? (Cash, Debit, Check, Credit?)

I pay virtually everything by a single (points) credit card, either by tying the payment to the card (health insurance) or swiping it (retail purchases). My credit card is set to be paid in full by having the card company take the money out of my bank account on the date the payment is due. In addit...
by Raybo
Mon Nov 02, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 61
Views: 3136

Re: Protein Bars and Smoothies

If you want to know the quality of the bars you are eating, make them yourself.

This page has links to 3 homemade energy bar recipes.
by Raybo
Sat Oct 31, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider an emergency?
Replies: 49
Views: 3974

Re: What do you consider an emergency?

For me, an emergency fund would be for those times when something unexpected comes up and you would have to use a credit card and not be able to pay it off.

If it is expected (save for it) or affordable (just pay out of cash flow), then I wouldn't use my emergency fund.
by Raybo
Thu Oct 29, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Tax-loss harvesting and switching to cash for 30 days
Replies: 30
Views: 2658

Re: Tax-loss harvesting and switching to cash for 30 days

The only TLHing I've done was in 2008. I moved from TSM to 2 funds whose components added together equaled TSM. The market went down further and 31 days later I moved from those 2 funds back into TSM and harvested more of a tax-loss. As I see it, one important investing goal is to stay invested. To ...
by Raybo
Wed Oct 28, 2015 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on retirement strategy
Replies: 1
Views: 334

Re: Guidance on retirement strategy

There are more than 2 options for investing your 5-year money. You could buy a CD or TIPs ladder which provide a better return than cash but don't have the downside of stocks (provided you hold them to maturity).

If you have no need to take risk (do you?), don't take it.
by Raybo
Wed Oct 28, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Recommendations on places to stay in or around Yosemite
Replies: 10
Views: 807

Re: Recommendations on places to stay in or around Yosemite

I've stayed several times at the Yosemite View Lodge and can recommend it. Every time we have people coming to stay who want to go to Yosemite, the YVL is our first suggestion. The Merced river goes right by it. Get a river view place, if you can. The units I've stayed in their all had kitchens, so ...
by Raybo
Sun Oct 25, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Bavaria - Bike Touring?
Replies: 12
Views: 1110

Re: Bavaria - Bike Touring?

I've not ridden in Germany, though. I've heard good things about its bicycling infrastructure.

As a place to start, here are 34 links to information about bike touring in Germany. Not all of them will be of interest to you, but some will be a good place to start your research.

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