Search found 1631 matches

by Raybo
Tue Sep 18, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 18
Views: 654

Re: Inexpensive source for greeting cards?

I print my own at an on-line printer. I printed up a dozen each of a dozen different photos. Once I signed up, I get “deal” offers everyday in email. One of them was 50% off. That was when I placed the big order. After the dust settled, it was about a dollar a card. Here is a description of the proc...
by Raybo
Sun Sep 16, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: First Week of January West Coast Travel Options
Replies: 8
Views: 516

Re: First Week of January West Coast Travel Options

I have been to Hawaii many times and can recommend it. Note that January will be high season so air fares and lodging will be at their tops. Another option might be Costa Rica. It is a fabulous place with monkeys, wild rivers, rain forests, toucans and macaws, and lots of other natural fauna and flo...
by Raybo
Sun Sep 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2733

Re: Do you use social media to enhance your travel experience?

I induldge in two kinds of travel. One is sightseeing with my wife. The other is solo travel on a bicycle. When traveling with my wife, I post photos on Facebook for other family and friends to see. When traveling by bicycle, I post photos and comments on various bike touring websites and here. In o...
by Raybo
Fri Sep 14, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Cap Gain Distributions and Dividends in a self directed IRA. How to handle at age 65 ?
Replies: 6
Views: 229

Re: Taxes on Cap Gain Distributions and Dividends in a self directed IRA. How to handle at age 65 ?

The money taken out of an IRA after 65 has a separate line on the 1040. It is neither salary (no Social Security taxes are due on it) nor investment income, which has separate tax rules. Every dollar you take out of an IRA is taxed the same regardless of what it is: gain, loss, original contribution.
by Raybo
Fri Sep 14, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 48
Views: 3513

Re: Leasing Cars in Retirement

There are no numbers in your post. It will be hard to make a recommendation without a few important numbers. Consider buy versus lease same car. How big a tax hit do you take to buy it ourright? How big a tax hit do you take to finance the same purchase (get a loan for the car purchase)? How much do...
by Raybo
Wed Sep 12, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1349

Re: Vacation to San Francisco, Yosemite, Sequoia

Book your hotel(s) in Yosemite as soon as you can. Things fill up quickly, even in May. If you stay in the Park, your food choices will be limited. Limited restaurant selections there. My preference is to stay either in a private home (there are private homes for rent in/near the park), or at the Yo...
by Raybo
Sun Sep 09, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6650

Re: I think my father has a gambling problem

Not everyone who drinks is an alcoholic. Not everyone who gambles is an addicted gambler. Maybe he has a problem; maybe he doesn’t. I agree with the suggestion that you offer to go with him and see what he does there. Who knows, you might enjoy it! If he bought season tickets to the local team and w...
by Raybo
Wed Sep 05, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5779

Re: Elderly (innocent) relative received this horrible email

Is there any chance that this person actually visited the listed site and has an account there? If not, then ignore the email. If the person did, in fact, have an account and that is the password, then I would use it as a lesson not to do such things over the internet and still ignore it. Have you c...
by Raybo
Wed Sep 05, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1230

Re: small-wheel bicycle

What is the purpose of the bicycle? Bromptons have 16 inch wheels and are urban commute bikes. They fold up quickly (lifting up the seat activates an unlocked hinge) into a small square of metal and can be carried onto buses, trains, or put in car trunks. They look funny but ride OK. There are many ...
by Raybo
Sun Sep 02, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: German B&M Non-Blinking vs. Blinking Bike Tail Lights
Replies: 20
Views: 1202

Re: German B&M Non-Blinking vs. Blinking Bike Tail Lights

I use blinking front and tail lights during the day. The front light is bright, on my handlebars, and likely is spotted by drivers. The tail light is red and flashes, but not as visible as the front. During the day, it isn’t so visible. But, I’m sure the blinking is better than a solid color. That s...
by Raybo
Wed Aug 29, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4040

Re: Bone in my food

Stop eating meat. Problem solved!
by Raybo
Wed Aug 22, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired still need to plan
Replies: 21
Views: 1694

Re: Already retired still need to plan

All the investments you listed are stock funds. Are you 100% stocks? What percentage of your assets is in bonds and cash?
by Raybo
Wed Aug 22, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Alan Watts
Replies: 3
Views: 699

Re: Alan Watts

Why are listening to him?

To me, it is a bit like listening to Joseph Campbell. Interesting material and viewpoint but you need to have a desire to hear what he talks about.

Maybe read his books, instead. That way, you can put them aside when they get too "deep."
by Raybo
Wed Aug 22, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired still need to plan
Replies: 21
Views: 1694

Re: Already retired still need to plan

Now that you've listed your investments (with fund symbols I don't know or want to look up), can you summarize what your Asset Allocation is? Also, since you are simply investing your RMD, do you have enough income to cover your expenses without spending any of the RMD? What do you mean by "being ta...
by Raybo
Wed Aug 22, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired still need to plan
Replies: 21
Views: 1694

Re: Already retired still need to plan

How you invest will be determined by what you are investing for. Do you have enough money for the next 23 years? Do your investments need to provide income for you? Are you hoping to leave a legacy? If you have way more than enough to finish out your life and don't want to leave a legacy then you mi...
by Raybo
Thu Aug 16, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2497

Re: Non-owner contributing to home renovations: what's fair?

How much money is involved? If just a few thousand, I’d consider it a gift and leave it at that. If your partner doesn’t like that, don’t accept the money.

If you want to keep things separate, keep them separate.
by Raybo
Wed Aug 15, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2556

Re: Advisor Dumped, Now How to Best Simplify

Some questions I have: Is there anything you currently have that you want to keep? Is all this in a taxable account? How quickly do you want to move everything over? Do you have more gains than losses? If so, how bad a tax hit will you take given the favorable treatment of capital gains? When all yo...
by Raybo
Tue Aug 14, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14611

Re: As an American, where are some great places in the world to retire?

On a recent bicycle trip, I spent a few days in Italy’s eastern Dolomites near Pieve de Cadore. Beautiful mountains, fresh air, lots of local and tourist services, fabulous bike riding, hiking, skiing, Euros, wonderful food, and friendly people. I put it on my list of places to spend an extended per...
by Raybo
Mon Aug 13, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3080

Re: Should I Do This? [borrow from relative to pay off loan]

redbeard25 wrote:
Mon Aug 13, 2018 11:04 am
I would simply pay him the same I would any other loan/credit...the day I get paid.
What happens if you lose your job?
by Raybo
Thu Aug 09, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Detailed journal of my bicycle ride through the Balkans
Replies: 4
Views: 690

Re: Detailed journal of my bicycle ride through the Balkans

Beautiful job, Raybo! Congratulations on a wonderful journey. 8-) Thanks, jazztonight. After describing some of the sights I had on this trip, I was asked by several people if it was the best ride I every had. I've now done close to 30 bicycle tours in North America, Europe, and New Zealand. Obviou...
by Raybo
Thu Aug 09, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Arbitrage on collecting dividend
Replies: 29
Views: 1740

Re: Arbitrage on collecting dividend

I once tried a similar strategy except it was based on secondary offerings. I would buy shares in a company on the the secondary offering. Since company shares are diluted by the secondary offering, there would be an immediate drop in the price on the day of the offering. The idea was to try and cat...
by Raybo
Thu Aug 09, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2219

Re: Do Airlines measure checked baggages?

I was in Heathrow flying with a bike in a box. The box was too heavy by a pound. Since the flight wasn't full, I was told I could also check my carry-on for free. I foolishly moved some metal tools, not allowed in carry-on, to my other bag as a result. But, the machine (no longer any humans) wouldn'...
by Raybo
Thu Aug 09, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9438

Re: Biggest Threats to Financial Well-Being

An addiction to anything.
by Raybo
Tue Aug 07, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Detailed journal of my bicycle ride through the Balkans
Replies: 4
Views: 690

Detailed journal of my bicycle ride through the Balkans

In late April and May, 2018, I spent a month riding my bicycle through Croatia, Slovenia, and Northeastern Italy. It was a fabulous trip with much wonderful scenery. I met some memorable people and took thousands of photos. I completed my detailed journal of the trip. It has an entry for each of the...
by Raybo
Mon Aug 06, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2589

Re: Getting the stink out of synthetic shirts

I used to wear synthetic bike jerseys and had the same problem, especially on long bike tours. I solved the problem by switching to wool jerseys. They are pricey, but can be used several times before needing washing and rarely, if ever, smell. I bike for a month and only take 2 wool jerseys for the ...
by Raybo
Sun Aug 05, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7081

Re: Best way to lose $200 in taxable income?

Do you live in a state with income tax? Are your deductions over $24,000? If yes to both, you can overpay your state income taxes for this year and increase your refund next year.
by Raybo
Sun Aug 05, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2596

Re: Yogi said it. It must be true.

Hockey10 wrote:
Sat Aug 04, 2018 3:57 pm
- when you come to the fork in the road, take it
In a biography of Yogi Berra, it said that the above quote related to directions to Yogi’s house that was on a circular street so that whichever way you turned at the fork, you’d get to his house.
by Raybo
Sat Aug 04, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: UK vacation help
Replies: 15
Views: 764

Re: UK vacation help

Scotland is a large country. Ireland is much smaller. With only 7 days, I’d go with Ireland. I suspect the airline connections are better to Dublin, as well. I liked Dublin and would suggest a day spent there. Galway, on the west coast, was a good base for exploring. I rented a car and drive to seve...
by Raybo
Sun Jul 29, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: When is it time?
Replies: 8
Views: 877

Re: When is it time?

My father died when he was 57. I watched it happen. He worked until he no longer could. I didn't want to spend any more time working than I absolutely had to. For this and other reasons, I pulled the plug when I was 48. I wasn't quite ready financially, but the run-up in housing prices in the early ...
by Raybo
Sun Jul 29, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1252

Re: 8 days in Poland - suggestions?

I know you are asking about Poland, but I see that you will be very close to Berchtestgaden. It is worth a day, especially if it is sunny and clear. Thank you for the tip. I have two days in Salzburg after my hike. So I can do that while I am in Austria. Anything specific you recommend there? I fou...
by Raybo
Sat Jul 28, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1252

Re: 8 days in Poland - suggestions?

I know you are asking about Poland, but I see that you will be very close to Berchtestgaden. It is worth a day, especially if it is sunny and clear.
by Raybo
Fri Jul 27, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9644

Re: Tips for staying active / injury-free into older age

livesoft wrote:
Fri Jul 27, 2018 3:16 pm
Raybo wrote:
Fri Jul 27, 2018 10:56 am
As I have aged (I'm now 66), ....
I have met Raybo and spent a delightful afternoon/evening with him. He looks only about 40 years old, so whatever he's doing is like a Fountain of Youth!
Livesoft, thank you for the exaggeration!

I’m blushing!
by Raybo
Fri Jul 27, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9644

Re: Tips for staying active / injury-free into older age

As I have aged (I'm now 66), the hard physical activities that I can do comfortably have been reduced to bicycling and walking. I can no longer run or play tennis without pain. I try to walk everywhere that doesn't require me to return with heavy bundles. Once a week, I aim for a 6-7 mile walk. Most...
by Raybo
Fri Jul 27, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Help With Beneficiaries: Single, No Children, Two Siblings
Replies: 12
Views: 1299

Re: Help With Beneficiaries: Single, No Children, Two Siblings

If all your account have beneficiaries then all that is left is your personal property, cars, clothes, furniture, etc. Assuming there isn't anything of real value (expensive car, valuable collections), then it seems you could simply tell one or both of them to sell or donate your property when you p...
by Raybo
Wed Jul 25, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: A 3-year glide from 60-40 to 40-60?
Replies: 5
Views: 546

Re: A 3-year glide from 60-40 to 40-60?

My path from 60/40 to 40/60 happened in a couple of months during 2008-9. At first, I was able to sell bonds and buy stocks as they plunged. But, after many months of watching my investments vaporize just after I moved money into them, I decided I had reached my limit and stopped. This was at the bo...
by Raybo
Wed Jul 18, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3727

Re: Europe travel Qs

I, too, use the Schwab debit card for getting currency in Europe. I haven't ever had it refused at an ATM and always find an ATM in the airport for getting as soon as I land. I try very hard NOT to use US credit cards in Europe. The issuers almost always impose a fee just for using your CC in Europe...
by Raybo
Tue Jul 17, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Croatia/Slovenia/Montenegro - 8 days
Replies: 7
Views: 696

Re: Croatia/Slovenia/Montenegro - 8 days

You are visiting several big cities (Zagreb, Ljubljana, Dubrovnik). Do you have a particular interest in big cities? What things to do you like to do/see? Landing in Zagreb and then taking a train to Ljubljana and then the train back to Zagreb seems like a lot of time on the train retracing your ste...
by Raybo
Mon Jul 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3079

Re: Would you pay $120 for a 5 year dishwasher warranty?

I don't usually buy extended warranties (they extend from the manufacture's warranty, so a 5-year warranty is just adding a couple years onto the existing one by the manufacturer). But, the last time I bought major appliances, a washer and a dryer, the on-line comments made it clear that either the ...
by Raybo
Thu Jul 12, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting from Intermediate to Short-term Bonds
Replies: 11
Views: 1700

Re: Shifting from Intermediate to Short-term Bonds

Losses on bonds are a near-term phenomena. That is, when interest rates rise, there is an immediate fall in a bond's value and a fund's NAV. But, the next day, the bond fund gets more money in, either via interest payments or new investment, and it buys more bonds in the marketplace at the new price...
by Raybo
Sat Jun 30, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13884

What are your property taxes?

In this thread on tax unfriendly states, https://www.bogleheads.org/forum/viewtopic.php?f=10&t=252761, there is lots of talk of high property taxes in California. In California, the property tax is limited to 1% of the purchase price of the home, with a 2% escalation each year. In other states, the ...
by Raybo
Fri Jun 29, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Using the Total Bond Fund in a rising rate environment
Replies: 72
Views: 9120

Re: Using the Total Bond Fund in a rising rate environment

While it is true that rising interest rates lowers TBM's price, it also increases the interest rates of the newly purchased bonds. Thus, while the nav slowly goes down, the fund's interest rate slowly rises as it purchases new bonds. If you plan to hold TBM for a whle anyway (defined as the fund's d...
by Raybo
Thu Jun 28, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3303

Re: States that are investments/tax unfriendly?

I live in California. Capital gains are taxed as ordinary income. Social Security is not taxed at all. My wife is getting social security while I am waiting until I am 70. So her income is state tax free and our capital gains are managed to get to 0 or very low state taxes. Of course, the Feds are j...
by Raybo
Tue Jun 26, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1421

Re: Thinking about 2019 trip to Dubrovnik, Croatia

Agree that Plitvice is amazing but it is a bit of a drive. I think given the limited time, Krk offers a nice alternative. It is an even longer bicycle ride! While it is a bit of a drive to go inland to Plitvice, it is also up into the mountains and gives a visitor a chance to see a different part o...
by Raybo
Tue Jun 26, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1421

Re: Thinking about 2019 trip to Dubrovnik, Croatia

Plitvice National Park is absolutely stunning. If you plan to go north of Dubrovnik, say up to Cres and/or Krk Islands, plan to drive inland and spend a day at Plitvice. You would likely have to get a reservation a bit in advance.
by Raybo
Sun Jun 24, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolios 20% failure rate?
Replies: 19
Views: 1481

Re: Liability Matching Portfolios 20% failure rate?

Should we be surprised that someone with a portfolio of $500k at 70, who needs $21.7k/year (4.34%) may run out of funds in 30 years? Firecalc estimates just below a 92% success rate at 28 years, when Fred is 98. Of course, this is assuming a known amount of expenses. Does Fred want to risk being in ...
by Raybo
Sun Jun 24, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolios 20% failure rate?
Replies: 19
Views: 1481

Re: Liability Matching Portfolios 20% failure rate?

TIPS might be a better way to go, which is the entire point of the LMP strategy. No, it isn't. In the Wall Street Journal article Bernstein tells people to create a LMP strategy out of municipal & corporate bonds: A more prudent course of action might be to hold standard Treasury securities and hig...
by Raybo
Sun Jun 24, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolios 20% failure rate?
Replies: 19
Views: 1481

Re: Liability Matching Portfolios 20% failure rate?

If the goal of retirement savings is to insure that the retiree doesn’t run out of money If that were my goal - and it will be, when I retire - then using SPIAs is the way to go. Isn’t that what an LMP is? So, the question, then, would be which is cheaper and less risky? Getting SPIAs that are infl...
by Raybo
Sun Jun 24, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Low Bond Duration
Replies: 11
Views: 1145

Re: Low Bond Duration

JoMoney wrote:
Sun Jun 24, 2018 2:39 pm
I agree with Bob. I have agreed with Bob on this for the past 10 years, and that was a bad position to be in as interest rates continued to fall and did not rapidly rise. The past year or so it's been a position easier to defend.
I wonder if Bob happened to mention that on the show?
by Raybo
Sun Jun 24, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolios 20% failure rate?
Replies: 19
Views: 1481

Re: Liability Matching Portfolios 20% failure rate?

If you've "won the game", so to speak, why would you tie up assets in low-return investments designed to diminish a risk you don't face? If the goal of retirement savings is to insure that the retiree doesn’t run out of money, then why would said retiree care what kind of return was earned on inves...