Search found 1398 matches

by Raybo
Tue Mar 28, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 12
Views: 932

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: 86
Views: 2510

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: 638

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: 12
Views: 932

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: 2741

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: 12
Views: 932

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: 723

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: 851

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: 851

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: 851

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: 851

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: 5245

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: 5245

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: 5245

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: 4345

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: 5557

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: 2301

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: 999

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: 290
Views: 13311

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: 1138

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: 7692

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: 1569

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: 1069

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: 486

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: 3712

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: 633

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: 633

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: 1234

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: 4695

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: 1523

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: 1523

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: 1523

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: 1523

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: 1523

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: 1523

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: 4695

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: 1523

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: 1523

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: 1523

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...
by Raybo
Sun Jan 08, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 20
Views: 2241

Re: American Funds vs. index funds - comparing returns

Whenever comparing funds from different fund families, it is vitally important to make sure you are comparing the right benchmarks. Often, funds compare their performance to the S&P 500 (the index doesn't count dividends) even though they aren't only investing in the largest cap US funds. This i...
by Raybo
Wed Jan 04, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Bernstein on Bonds...wow
Replies: 31
Views: 4606

Re: Bernstein on Bonds...wow

larryswedroe wrote:Really no reason to buy Treasuries when can buy much higher yielding CDs in general, unless you know you may need liquidity.


Opening up CDs is a bother if you have locked your credit.
by Raybo
Thu Dec 22, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: How to become a public speaker?
Replies: 30
Views: 2757

Re: How to become a public speaker?

There is a national organization for professional speakers called the National Speakers Association (NSA). If she wants to know what it is like to try and earn money speaking, she should attend some of their meetings. There are local chapters throughout the world.
by Raybo
Wed Dec 14, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 2895

Re: Your fava 70% dark chocolate brand?

I have done many informal chocolate tastings in my home with friends. Without exception, the brand that always wins is the Lindt 70% bar mentioned above. While I have a serious chocolate hankering, bordering on addiction, the recent findings that most chocolates (including the Lindt 70% bar) contain...
by Raybo
Wed Nov 30, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7346

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: 56
Views: 7346

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: 56
Views: 7346

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: 2097

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: 1297

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: 331
Views: 55490

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: 1329

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!

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