Search found 1262 matches

by Raybo
Mon May 23, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 33
Views: 2188

Re: Ineffective/Dangerous Sunscreens

The Environmental Working Group (EWG) reviews sunscreens for harmful additives and SPF. Here is the 2015 report: http://www.ewg.org/2015sunscreen/
by Raybo
Mon May 23, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2001

Re: Advice on Wife's Credit

The way I interpret the OP, the wife has not been super responsible in paying obligations. Well the way I interpret your post is judgemental, without merit, and borderline insulting. You should probably take a little more caution before jumping to such sweeping conclusions about people. Whether the...
by Raybo
Sun May 22, 2016 2:12 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4142

Re: Amazon has no head to head competitors?

I only buy things from Amazon if I can't find it locally. While I don't like shopping much myself, I do use websites and phone calls to determine if a local store has what I want. I want my local retailers to survive more than I want to save a few bucks on something.
by Raybo
Sun May 22, 2016 2:04 am
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1482

Re: surface street or freeway commute?

You don't mention buses or carpooling. Are neither an option? Not driving would make for good paper grading time!
by Raybo
Wed May 11, 2016 12:43 am
Forum: Investing - Help with Personal Investments
Topic: 38 Want to retire in 8 years
Replies: 9
Views: 3480

Re: 38 Want to retire in 8 years

Accessing deferred accounts before 59.5 is not always in the amounts you need/want. Better to have after-tax money to spend until you reach 59.5 (and after). At 46, all your friends will still be working. It will be hard to find other people for activities during the day and week. What will you do w...
by Raybo
Mon May 02, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 75
Views: 7270

Re: How to Bogleheads TRAVEL?

Go by bicycle.
by Raybo
Thu Apr 21, 2016 5:51 am
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

The second email update I sent to family and friends: From Praia a Mare, where I wrote my last email, I rode inland, climbing up through the scenic and very green National Reserve of the River Lao and up and over 2 passes (over 5 hours of steady climbing) to the valley on the other side. I was exhil...
by Raybo
Sat Apr 16, 2016 12:18 am
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

How have the Italian drivers reacted to a touring cyclist? For the most part, they are courteous, even will wait for a safe spot to pass. But, I can both see and hear them so I usually stop, pull over and let then pass. There are lots of bike riders on the roads so cars are accustomed to seeing the...
by Raybo
Sat Apr 16, 2016 12:03 am
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

moshe wrote:Are you traveling alone?
~Moshe


Always
by Raybo
Fri Apr 15, 2016 11:58 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

Do you have a elevation profile map? I would be interested to know if it is for my biking level. You can see my trip itinerary and links to my route maps on this touring plan I created. Each of the maps has an elevation profile. Here is the map of my current stretch of route: http://mycycletour.com...
by Raybo
Fri Apr 15, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

Yesterday, I rode from Palinuro south to Praia a Marr, a seaside town that is just starting to prepare for vacation time by building bars and discos on the beach.

The ride down, especially the coast road south of Sapri was some of the best coastline I've ever seen.
by Raybo
Fri Apr 15, 2016 12:13 am
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

Thanks for the update and photos! If I may ask: You mentioned "couchsurfing" - are your hosts people you knew before the trip, or did you arrange this through a website? Couchsurfing is a free hospitality site on the Internet (http://www.couchsurfing.org). Once you sign up, you can ask ot...
by Raybo
Thu Apr 14, 2016 12:59 am
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

The ride from Salerno to Paestum was next to the sea where a thin band of thick trees separates the road from the water. An unusual combination. A bike path next to the road made the riding much safer. One goal for the day was Paestum, a site of human habitation going back a very long time. https://...
by Raybo
Mon Apr 11, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

Re: My current bicycle tour in Italy

I drove the Amalfi Coast about 3 years ago. There's no way I'd do it on a bicycle!! This is a very common bit of advice I got and I even experienced some anxiety before this ride. But, now that I have ridden (and survived), I must say that all the advice is wrong! In mid-April on a sunny day this i...
by Raybo
Mon Apr 11, 2016 1:09 am
Forum: Personal Consumer Issues
Topic: How to use iPhone 5S in Europe on wifi only?
Replies: 28
Views: 2214

Re: How to use iPhone 5S in Europe on wifi only?

I am in Italy now using an iPhone with an Italian SIM I bought in Naples. The SIM is 10 €. My plan is 2.5€ a week for 50 minutes of phone calls and 1 Gig Internet. Texts are 10 cents each. Calls to US are 18 cents a minute. Other plans were similar in pricing but for 4 weeks. Note that your phone mu...
by Raybo
Sun Apr 10, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 35
Views: 3512

My current bicycle tour in Italy

I just started my next bike tour. I flew from San Francisco to Naples on Thursday April 7 (arriving at midnight on Friday), spent 2 days with my new friend Francesco and today took the 40 minute ferry ride to Sorrento. I start the real riding tomorrow with a ride on the Amalfi Coast to Salerno, 40 m...
by Raybo
Thu Apr 07, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting taxes in retirement
Replies: 23
Views: 2540

Re: Projecting taxes in retirement

I recently did a similar exercise as my wife is now receiving Social Security and I wanted to know how much money I could withdraw from various investments to supplement our income. I started with my 2015 tax return on H&R Block software. I got estimated numbers from there and also the forms and...
by Raybo
Wed Apr 06, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: More terrible customer service from Vanguard [Invalid Authorized Agent Form]
Replies: 25
Views: 2459

Re: More terrible customer service from Vanguard

We get these complaints all the time here on this board. I guess this is a good place to vent. But, I want to say that I have been with Vanguard for over 20 years now and find their service to be very good for what I need. I've done IRA rollovers, IRA conversions to Roths, set-up SEPP withdrawals, a...
by Raybo
Tue Apr 05, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 38
Views: 3165

Re: Does anyone invest in websites?

My experience isn't really relevant to your question but here goes. I have all the skills necessary to create (from scratch) websites and enough business skills (MBA, 20 year self-employed) to make money doing so. In 2007, I created a niche website about bicycle touring, my retired passion. Since I ...
by Raybo
Tue Apr 05, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate with zero growth
Replies: 38
Views: 2947

Re: Safe withdrawal rate with zero growth

How much does he spend a year now? And, how much would he like to spend? If he wants to spend more than $140K/year, how much more? Since most of his money is in after-tax investments, he likely can manage his tax situation very well using tax-loss harvesting, capital gains harvesting, and other tech...
by Raybo
Mon Apr 04, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 2516

Re: Sensory Deprivation Tanks

I did a free session back in the 1970s. I couldn't afford to pay for them then, so never did another one. Don't have any cuts or scrapes when you do it as the salt will make them sting! I recall the time passing more quickly than I thought, but I may have fallen asleep. It was relaxing. It is certai...
by Raybo
Mon Apr 04, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Capital Gains
Replies: 7
Views: 783

Re: Taxes on Capital Gains

livesoft wrote:Almost correct.
What tax credits will you get? Foreign tax credit?


The fund that pays foreign tax credits will be part of the capital gains I won't be paying taxes on. So, no credits that I am aware of.
by Raybo
Mon Apr 04, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Capital Gains
Replies: 7
Views: 783

Taxes on Capital Gains

I am trying to plan my withdrawal and tax strategies for 2016+. Most of my income will come from capital gains. My tax status is married filing jointly. In 2015, the top of the 15% bracket for MFJ is $74, 900. As I understand it (and using 2015's limits), if all my income sources minus all my deduct...
by Raybo
Mon Apr 04, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: San Francisco in August - hotel options?
Replies: 42
Views: 2025

Re: San Francisco in August - hotel options?

While others have said mostly the same things, I thought I'd weigh in with my thoughts. 1. Don't forget that BART follows a narrow track through San Francisco. Once in SF, either you walk to your destination, take MUNI (bus), or get a cab/Uber. All of these will add expenses to what will be the twic...
by Raybo
Fri Apr 01, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 7231

Re: Five Best National Parks to Visit?

Since you mentioned Canada, I'd suggest the Icefield Parkway and Kootenay NP in Canada.

Also, Glacier National Park, before all the glaciers melt.

Hiking among the giant Redwoods in Jedediah Smith State Park in Northern California.
by Raybo
Sun Mar 27, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica
Replies: 17
Views: 1318

Re: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica

Is there some reason you want to do this drive? If not, it seems like spending a lot of time on a highway that you could spend seeing/doing something. My wife and I drove from San Jose to Monteverde and back and were struck by all the roadside memorials we passed. The area around the parts of Highwa...
by Raybo
Fri Mar 11, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Liability of hiring guys standing front of home improvement stores
Replies: 32
Views: 5470

Re: Liability of hiring guys standing front of home improvement stores

In San Francisco, the county has day labor programs where you can hire people vetted by them for a set hourly rate with a minimum of 3 hours.

You might check if you can do the same where you live.
by Raybo
Wed Mar 09, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Tax write-off for donating artwork?
Replies: 9
Views: 742

Re: Tax write-off for donating artwork?

I have a favorite piece of art my wife doesn't like so it isn't in the house. I put it up in the room off the garage where the tools and extra paint are stored. This way, I get to see it and she doesn't have to look at it.
by Raybo
Wed Mar 09, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 4896

Re: What are you frugal with, what are you not but still buy?

This reminds of a customer I had when I was in business...

He called and said we had to give him a discount because he wouldn't pay retail. We gave him a $5 "courtesy" discount and he was happy.

I wonder if he is one of the responders on this thread!
by Raybo
Tue Mar 08, 2016 11:04 pm
Forum: Investing - Theory, News & General
Topic: Looking for Audible (audio book) recommendations
Replies: 14
Views: 1088

Re: Looking for Audible (audio book) recommendations

I keep a list of the audio books, virtually all non-fiction, that I've listened to and liked enough to recommend. There are about 50 in the list. None of them are self-help or financial but they are all books I enjoyed listening to.
by Raybo
Mon Mar 07, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to untangle from my financial advisor
Replies: 10
Views: 1431

Re: How to untangle from my financial advisor

As I understand what you are saying, you are aware that your "good friend" from college has used you to create an income for himself. You are tired of paying part of his salary (1.25% of about $150k is a bit less that $2k a year) and feel he has put you in some questionable investments, li...
by Raybo
Sat Mar 05, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of health and cost of living (retirement)
Replies: 19
Views: 1862

Re: Cost of health and cost of living (retirement)

I retired at 48 in 2000. I am covered by Kaiser and have always paid my own insurance premiums. I estimated that insurance would go up 10% a year in my planning and wasn't too far wrong until Obamacare came in and now the increases are in the low-single digits. By far, health care has been my single...
by Raybo
Thu Mar 03, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4231

Re: Do You Give Your Friends Investment Advice?

It depends on the friend. First, I only respond to questions I get asked. Second, I try to keep my advice away from specific investment vehicles, again, unless that is also specifically asked. I usually note that costs matter and that higher costs don't mean better returns, service, or investments. ...
by Raybo
Wed Mar 02, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Joshua Tree/Palm, Springs biking
Replies: 9
Views: 705

Re: Joshua Tree/Palm, Springs biking

You might find this thread at crazyguyonabike.com about touring in Joshua Tree of interest.
by Raybo
Sat Feb 13, 2016 8:16 pm
Forum: Investing - Theory, News & General
Topic: S&P500 has basically gone nowhere for 15 years
Replies: 59
Views: 6891

Re: S&P500 has basically gone nowhere for 15 years

I didn't read the article, but no one has mentioned tax loss harvesting or rebalancing. The use of both greatly changes the returns over a one-time purchase and hold (who would do this?) I rebalanced on the way down in 2008 (several times) and effectively doubled my money (that is, I now have to pay...
by Raybo
Fri Feb 05, 2016 11:36 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 29
Views: 3565

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: 12
Views: 1496

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: 4612

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: 38
Views: 2944

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: 11108

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: 440

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: 2782

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: 2151

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: 2151

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: 2151

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: 2074

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: 2070

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: 2429

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: 6983

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

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