Search found 1355 matches

by Raybo
Wed Nov 30, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 39
Views: 4062

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: 39
Views: 4062

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: 39
Views: 4062

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: 1800

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: 1176

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: 204
Views: 25541

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: 1211

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: 1211

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: 1211

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: 1325

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: 42
Views: 2635

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: 2531

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: 1441

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: 3547

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: 1153

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: 3547

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: 2531

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: 2905

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: 1375

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: 4544

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: 1883

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: 1883

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

You also need a plan for how you will spend your time. I retired at 48 and discovered that every one I knew that was my age was still working (some of my friends are just now starting to work less). You need to have things to during the day that don't involve spending time with old friends.
by Raybo
Fri Sep 23, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 141
Views: 12103

Re: The Trouble with "Buy and Hold"

Here are the return dollars from Table 6: Faber TAA S&P500 Starting Equity $100,000.00 $100,000.00 Ending Equity $6,886,468.86 $6,640,526.07 So, a difference of $240,000 over 44 years has got you all excited? Maybe we should investigate the Will Rogers strategy: Don't gamble; take all your savin...
by Raybo
Thu Sep 22, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Email from Financial Advisor
Replies: 31
Views: 4857

Re: Email from Financial Advisor

Looking at a summary of the Washington Mutual fund, it is clear that it is not trying to mimic the S&P500. It's largest holding is Microsoft, not Apple, which doesn't appear in its top 10 holdings. It also can hold up to 10% of its assets in foreign funds. As is always the case with these kinds ...
by Raybo
Thu Sep 08, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: 60 Year SWR Model
Replies: 15
Views: 1999

Re: 60 Year SWR Model

This analysis only works if you only buy US equity, as your numbers come from only US equity sources. What happens if your P1 falls short? Do you take it from P2? If so, there are lots of problems you are ignoring. Also, what about taxes and RMDs? You are predicting average stock returns 60 years in...
by Raybo
Thu Sep 08, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 1853

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

I rented a car in Italy many years ago and buying rental insurance was required. I don't know if it still is, but you should check what it covers.
by Raybo
Fri Sep 02, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3563

Re: Favorite Vegan Products

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

At my CostCo (SF), they sell a tofu burger from Hodo that is fabulous.
by Raybo
Wed Aug 31, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 12926

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

I'm in the "no mortgage at retirement" camp. It seems to me it is better to have $500K in an IRA than to have $1MM in an IRA and a $500K mortgage. One issue is larger RMDs and, therefore, taxes. While the mortgage deduction gets you something, you still have to have enough deductions to ta...
by Raybo
Mon Aug 29, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 352
Views: 41198

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

Prime harvesting looks very interesting. But, when you have most of your bonds in the tax deferred accounts and you're not 59.5, it's not viable is it? Selling stocks in taxable and then selling bonds in an IRA and buying the stocks you just sold is a way to sell bonds in your IRA. However, buying ...
by Raybo
Mon Aug 29, 2016 3:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 10382

Re: I think I found Rick Ferri

I wish him the best. Though, I can't help feeling it would be better if he and Daria were riding a tandem bicycle!
by Raybo
Sat Aug 27, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 400

Re: Birding in Big Sur

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

There is a fire in Big Sur. Also, when I have hiked there, the birding wasn't very good. Think trees but not much water.
by Raybo
Fri Aug 26, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 6907

Re: Homeowners should consider flood insurance

I live on a hill in San Francisco. I don't worry about too much rain. I worry about getting enough rain! When the rain does hit, though, I bet the streams of water are impressive. Cold hard ground doesn't absorb water, so it has to go somewhere. I must say that the river of water cascading down our...
by Raybo
Thu Aug 25, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 6907

Re: Homeowners should consider flood insurance

I live on a hill in San Francisco. I don't worry about too much rain. I worry about getting enough rain!
by Raybo
Thu Aug 25, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1207

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

I suspect that you must have nerves of steel to ride on the streets near Palermo. The drivers there are crazy and do not obey any traffic laws as I am sure you discovered. The ride through Palermo was the last day of the trip. By then, I'd ridden all kinds of roads through all kinds of towns with a...
by Raybo
Wed Aug 24, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Any one read the New York Review of Books?
Replies: 3
Views: 503

Any one read the New York Review of Books?

Like most people, I enjoy reading good books. I also enjoy reading about books. As such, I have a subscription to the New York Review of Books (NYRB). This is not the book review section of the Sunday NY Times. The NYRB is a dense tabloid-shaped magazine that has in depth reviews of books, both fict...
by Raybo
Tue Aug 23, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did you use Real Estate to build wealth?
Replies: 45
Views: 3796

Re: Did you use Real Estate to build wealth?

I did, sort of.

I owned a house outright and sold it in 2004 and moved in with my (now) wife. Normally, I wouldn't consider my primary residence an investment. But, in this case it was, as I sold it without having to replace it.

It doubled the size of my retirement assets!
by Raybo
Tue Aug 23, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1207

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

Love this, Raybo. Thanks for sharing. Can you give us the link to your website? No. This isn't allowed under the site's policies. Since this is the BH forum, what was your budget per day for such a trip? I don't keep track of my spending on these trips nor am I concerned with how much I spend. That...
by Raybo
Tue Aug 23, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1207

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

Raybo, Your photographs are always stunning What type of camera do you use? In the first part of this ride, I used an Olympus point and shoot camera with a large analog zoom feature. But, about halfway through the trip, I hit a pothole and the camera flew out of my handlebar bag and bounced along t...
by Raybo
Tue Aug 23, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1207

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

I ride a Waterford Adventurecycle, a truly fabulous bicycle. It is made in the US and has couplers that allow me to disassemble it and put it in a suitcase for travel by air or train. Here is a photo of the set-up I use: https://lh3.googleusercontent.com/-RtMvcN6vkA0/V2McL3G6YQI/AAAAAAAAQj4/ZecqiuS7...
by Raybo
Tue Aug 23, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1207

Journal of my recent ride through Southern Italy and Sicily

In April, 2016, I rode south from Naples, down the Amalfi Coast, all the way to the toe of Italy. I took the ferry to Messina and rode clockwise from there to Palermo. This fabulous trip took about 3 weeks and was full of stunning coastal views, well preserved Greek and Roman ruins, sweet smelling a...
by Raybo
Sun Aug 21, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs Short Term Inv Grade Bond
Replies: 12
Views: 1738

Re: CD vs Short Term Inv Grade Bond

A bond fund goes up and down. A CD doesn't. The yearly number includes gains from falling short-term rates. No reason to expect them going forward. Using the yield, they are essentially equal. Money from the fund (or the bank) are available immediately. A CD may not allow immediate withdrawal and wi...
by Raybo
Sat Aug 20, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 2890

Re: How much do you spend on coffee/tea?

I don't drink coffee or tea at home. Once a week, I have breakfast out and drink coffee. Cost is $4 a week.
by Raybo
Sat Aug 20, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: annuity with long term care benefits
Replies: 10
Views: 776

Re: annuity with long term care benefits

the advisor explained that the fixed deferred annuity is built on a whole life chassis. I love it when insurance salesman use car metaphors to explain something as complicated as this product. Either read the very fine print and be sure you understand how it works or ask detailed questions. My gues...
by Raybo
Sat Aug 20, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8185

Re: What is your system for dealing with coins?

I live in earthquake country, which means keeping some cash readily available outside the house. I have been loathe to use paper money because it will eventually get wet and then moldy. My brother had a good idea, which was to wrap the coins and keep them outside as emergency money. I don't mind wra...
by Raybo
Fri Aug 12, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: The annuity puzzle, and a suggestion
Replies: 108
Views: 7621

Re: The annuity puzzle, and a suggestion

What about the risk that the insurance won't be around in 20 years? Annuities are a contract with a private firm that has no government backing. Twenty years is a long time and I would worry that just when I need the money, the company would not be around any more. For me, I'd rather wait until I am...
by Raybo
Wed Aug 10, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: True state of retirees and course of action
Replies: 29
Views: 3553

Re: True state of retirees and course of action

In my view, you are certainly in the upper echelon of 47 year-olds saving for retirement. No one can say with any certainty that your asset pile would last or not if you retired tomorrow. Likely, with kids still in the house and yet to go to college, you need to work a bit longer. But, you say you d...
by Raybo
Tue Aug 09, 2016 9:56 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 4985

Re: Talking about the Bogleheads approach with non-Bogleheads

The other day, a good friend tells me that he met a distant cousin who was touting convertible bonds. He said the guy works with (is worked by?) a company in Texas that charges him 1.5% AUM to buy convertible bonds, which this guy liked, for some reason. My friend, who I often talk investing with, n...
by Raybo
Sat Aug 06, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Solo Travel
Replies: 40
Views: 3864

Re: Solo Travel

I've taken many bike trips by myself. I am sociable and am happy to walk up to people I don't know and ask them questions and start talking. You don't say in your post if you are comfortable doing that or not. While I enjoy my own company and am tired after a long day on a bicycle, I find that after...
by Raybo
Sat Aug 06, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: A Question About Bonds and Risk
Replies: 10
Views: 855

Re: A Question About Bonds and Risk

Of all the risks associated with investing, it seems that the US defaulting on its debt is one of the lowest out there. But, in the past two decades, the government has been shutdown and not paying interest on the US debt has been pushed to the brink. Even with these current events, I think the risk...
by Raybo
Fri Aug 05, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Switching to Medicare -- cost vs health insurance
Replies: 22
Views: 1169

Re: Switching to Medicare -- cost vs health insurance

To the OP, since you currently have Kaiser, why don't you check with them as to their Medicare offerings? That was my first attempt. I ended up in a video presentation with bouncy music and pretty graphics but with no real cost information. I wanted to check here to see others experience before cal...

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