Search found 1779 matches

by Raybo
Fri Jul 12, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7712

Re: Medigap vs Advantage: Which did you select?

I have done both. I live in San Francisco where Kaiser is a major medical provider. I was a member of Kaiser for decades. In 2016, I chose Kaiser Medicare Advantage with roughly the same co-pays but $90/month (plus $134 in Medicare fees) instead of close to $800/month. Nothing changed for me when I ...
by Raybo
Wed Jul 10, 2019 9:06 am
Forum: Personal Investments
Topic: New guy in need of opinion
Replies: 15
Views: 1470

Re: New guy in need of opinion

While I never made the kind of money you do, I did find myself in a similar situation. I had made all my tax deferred contributions and still had extra money left over and wanted to lower my taxes. Pretty much the only thing left was whole life. I bought a policy on the idea that I could use it to d...
by Raybo
Wed Jul 10, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 2599

Re: Volunteer suggestions

I was a professional speaker. When I retired, I discovered that National Parks (and probably State Parks, as well) need docents. Docents are volunteers trained to give informative talks to people visiting the park. I am lucky as I live in San Francisco and the National Park I volunteer at is Alcatra...
by Raybo
Tue Jul 09, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax deductions for someone elses's health care
Replies: 4
Views: 302

Tax deductions for someone elses's health care

I have a cousin who needs help paying a bill for a skilled nursing facility. If I pay the bill directly to the facility, can I deduct the amount on my schedule A?
by Raybo
Wed Jul 03, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3383

Re: Hire a driver?

Isn't this what money is for? How would $10K less a year (after taxes) impact a) your lifestyle and b) your retirement savings? If this wouldn't delay your retirement or meaningfully impact your lifestyle, then try it and see if you like it. Were it me, I'd probably try the drive to see how bad it i...
by Raybo
Thu Jun 27, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Package delivery man damaged door
Replies: 55
Views: 3573

Re: Package delivery man damaged door

linenfort wrote:
Thu Jun 27, 2019 10:01 am
Probably on drugs.
Blood pressure medicine? Statins? Anti-depressants?
by Raybo
Tue Jun 25, 2019 10:08 am
Forum: Personal Investments
Topic: Why does AA matter as long as I stick to it?
Replies: 26
Views: 2587

Re: Why does AA matter as long as I stick to it?

To me, "sticking to it" means selling bonds and buying stocks when the market is crumbling to maintain your AA. This is not easy. I was able to do it in 2008-9 until the market bottom, which is when I realized my AA was a tad too aggressive at 60/40 and let it ride until it was at 50/50. I have left...
by Raybo
Sun Jun 23, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1245

Re: One Medical as Primary Care Provider

I was a Kaiser patient for several decades. Kaiser raised rates and changed their co-payment and maximums significantly in my second year of Medicare. So, I decided to try regular Medicare and see if I liked it any better. One Medical was the option I chose for a PCP and I paid the $199. I got a CD ...
by Raybo
Sat Jun 22, 2019 4:56 pm
Forum: Personal Investments
Topic: Rebalancing to Oblivion
Replies: 46
Views: 3799

Re: Rebalancing to Oblivion

Why do you have the AA that you have? The purpose of a AA is to insure that you have the money you need to fund your retirement. You say that your pensions and SS will fund your everyday retirement expenses and that your investments are for additional things like long term care, travel, and children...
by Raybo
Sat Jun 22, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4684

Re: Do you Casino? What do you play? Have you won?

My parents liked to gamble and I spent many a summer week at the pools of one Vegas hotel or another. My father liked craps the most and I learned from his strategies. I also spent a good deal of time with my Dad at various Southern California horse racing tracks, where we would talk about all manne...
by Raybo
Sat Jun 15, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Partnership advice for new business?
Replies: 9
Views: 515

Re: Partnership advice for new business?

I once had a business that depended on another person to keep his business going. We weren't partners, exactly, but I had bought a piece of his business that I operated separately (route sales). Things went well until the other guy decided to stop paying his invoices to our shared wholesaler who cut...
by Raybo
Sat Jun 15, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26135

Re: Selling home- Demanding Buyer (Repairs)

In late 2003, not quite at the height of the RE frenzy but getting there, I sold a nice house in Santa Cruz, CA. It was definitely a seller's market and prices were on the way up so there was a bit of pressure on buyers to make a good first bid. I got about half a dozen and settled on one $25K above...
by Raybo
Fri Jun 14, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: Selected Photos

I recognized a number of towns that are often part of the Tour de France. It must have been thrilling to ride over some of the same roads that the professional cyclist race on. Always enjoy your travel logs. On my way down from Montgenevre, the second pass I'd climbed that day, I passed a group of ...
by Raybo
Fri Jun 14, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Selected Photos

flyingaway wrote:
Tue May 28, 2019 3:53 pm
Would love to see some pictures.
I took nearly 2000 photos. I've selected 56 pictures to give an idea of the trip.
by Raybo
Wed Jun 12, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: My bicycle ride from Florence, Italy to Bern, Switzerland

Do you find these hosts on bike-specific forums, or is it just the case that people who support couchsurfing are more lilely to be avid cyclists, or maybe it’s just everyone in Europe likes to bike? There is a website for touring bicyclists to find hosts of other touring bicyclists. It is http://ww...
by Raybo
Tue Jun 11, 2019 8:32 pm
Forum: Personal Investments
Topic: Monte Carlo Simulation
Replies: 47
Views: 4018

Re: Monte Carlo Simulation

I have written several financial MCS programs. The main problem that I have seen is how to model future stock, bond, and inflation. What distributions to use? Past returns? Normal Distribution? Some customized random values? Using the wrong distribution just generates wrong estimates. Also, what tim...
by Raybo
Tue Jun 11, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Up to Mont Blanc and into Switzerland via Lake Geneva

The ride is over and I’m on the flight home. This is the first chance I’ve had to write up the last week of my tour. I last wrote from Conflans, waiting out a day of rain. The next day arrived with remnants of the storm still lingering in the sky. It wasn’t raining, but it looked and felt like it mi...
by Raybo
Fri May 31, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: First few days of my bicycle ride from Florence, Italy to Bern, Switzerland

I don’t camp so I have arranged to go via Sestriere, Briancon, Bourg d’Oisens, Grenoble, Albertville, Chamonix as it is possible to find lodging every night on this route. There is more than one pass and I don’t know all their names. Bourg d'Oisans! Are you going to try Alpe d'Huez? Thanks for the ...
by Raybo
Tue May 28, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: The gorge was closed so I rode to 2 lakes, instead

I am reminded of an anecdote our driver relayed to my wife and me on our honeymoon in Ireland a few years ago. It was August and there were a tremendous number of cyclists on the road. Our driver said, "I don't see many of these cyclists smiling as they trudge up hill," though he probably had an Ir...
by Raybo
Tue May 28, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

The gorge was closed so I rode to 2 lakes, instead

[Thread merged into here, see below. --admin LadyGeek] It’s raining and I am indoors on the top floor of a medieval house in Conflans across the L’Arly river from Albertville, France. This rain has been predicted for a couple days and I wanted to avoid having to ride it. So, I took a rest day here,...
by Raybo
Mon May 27, 2019 11:33 pm
Forum: Personal Consumer Issues
Topic: Drinking water systems
Replies: 8
Views: 675

Re: Drinking water systems

Be aware that RO (I have a an APEC RO system) use lots of water, something like 3 gallons for every 1 produced. Can be a problem in drought.
by Raybo
Mon May 27, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: 3 Alpine passes in 3 days by bicycle

Wait. You’re riding the Alps on a folding city bike? Am I reading that right? I bow to my new god. Seriously though, how would you describe your level of fitness and level of cycling abilities? I’m wondering if a schlub like me should even consider this and just what it would take to get me in shap...
by Raybo
Sun May 26, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: 3 Alpine passes in 3 days by bicycle

Thank you for the post. Very enjoyable reading. Did bring your bike and check it as baggage? And if so, how did that work? I have a folding Bike Friday New World Tourist that I store with my brother-in-law who lives close to Heathrow Airport near London. When I plan a trip to Europe, I stop by his ...
by Raybo
Sun May 26, 2019 12:10 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: 3 Alpine passes in 3 days by bicycle

Sounds fun. Just curious, for personal security did you fly with a handgun, or diid you purchase a weapon after arrival? I’m not sure how to respond to this question. 1) I am in Europe where gun possession is seriously illegal. 2) What, exactly, would I need “a weapon” for when riding a bicycle? Th...
by Raybo
Thu May 23, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

3 Alpine passes in 3 days by bicycle

[Thread merged into here, see below. --admin LadyGeek] It is a beautiful sunny day in Bourg d’Oisans, a tourist town in a valley surrounded by snow-covered peaks. Think Lake Tahoe without the lake and only 3,500 people. It is a famous stop on the Tour de France as it is just below the Alpe d’Heuz a...
by Raybo
Mon May 20, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Next installment of my bike ride from Florence to Switzerland
Replies: 4
Views: 617

Next installment of my bike ride from Florence to Switzerland

I have made it to the base of the Alps. I can see them, snow covered, from the window of Thomas’ apartment where I am spending 2 nights, last night and tonight. Last I wrote, I was sitting at a cafe in Corniglia in the Cinque Terre. My plan that day was to walk north through Vernazza to Monterosso. ...
by Raybo
Thu May 16, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: First few days of my bicycle ride from Florence, Italy to Bern, Switzerland

SkierMom wrote:
Thu May 16, 2019 2:00 pm
Raybo!

I love your travel posts - Do you have a blog?

The Frugal Bike Traveler........
Thank you! My website is www.biketouringtips.com .
by Raybo
Wed May 15, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 25
Views: 2718

Re: American Funds Propaganda. Help me understand.

The text you posted says nothing about dividends. Do the numbers include dividends? If not, what happened to them? It says the investments were rebalanced monthly. Who would do that with loaded funds? The S&P 500 is a large cap fund. Comparing 5 US funds against the S&P 500 is misleading. The entire...
by Raybo
Wed May 15, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: First few days of my bicycle ride from Florence, Italy to Bern, Switzerland

I don’t camp so I have arranged to go via Sestriere, Briancon, Bourg d’Oisens, Grenoble, Albertville, Chamonix as it is possible to find lodging every night on this route. There is more than one pass and I don’t know all their names. Bourg d'Oisans! Are you going to try Alpe d'Huez? Thanks for the ...
by Raybo
Wed May 15, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: First few days of my bicycle ride from Florence, Italy to Bern, Switzerland

Looking forward as always to updates Along the way please comment on which bicycle you are riding and any gear you find is necessary for this trip I’m riding the Bike Friday folder again (World Tourist), the Bike I ride in Europe. I don’t camp so I have no camping gear. Mostly, I have biking clothe...
by Raybo
Wed May 15, 2019 12:29 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

Re: First few days of my bicycle ride from Florence, Italy to Bern, Switzerland

Are you going to cross the Alps on your bike ? Which pass are you planning to use ? That is my current plan. I’ll know more in 10 days. The hard work will start Monday if all goes well. I don’t camp so I have arranged to go via Sestriere, Briancon, Bourg d’Oisens, Grenoble, Albertville, Chamonix as...
by Raybo
Tue May 14, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4171

My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]

[Thread updated, see below. --admin LadyGeek] I’m sitting at an outdoor table in Corniglia, the middle of the 5 Cinque Terre villages, sipping a thick hot chocolate and taking my first day off off the bike. It is a cool, clear day with blue sky and sea views all around. My plan for the day is to wa...
by Raybo
Sun May 12, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: When did you realize it wasn't enough?
Replies: 33
Views: 7404

Re: When did you realize it wasn't enough?

I was in a support business that cratered after the 2000 tech wreck. I was 47 and decided to retire. Soon thereafter, I discovered the Bogleheads forum at Morningstar and realized I didn’t have enough for the length of retirement I was planning. So, after some planning, I sold my paid for house and ...
by Raybo
Sat May 11, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 10710

Re: What non frugal things save money?

Traveling by bicycle means no car rentals, train fares, or airplane tickets. Getting hosted for free saves boatloads of money on hotels (though it requires a lot of time to set-up and doesn’t always work) and let’s you live like a local.
by Raybo
Fri May 03, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 11523

Re: Rarely used items that are worth having?

A folding touring bicycle
by Raybo
Thu Apr 25, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Folding bikes: Go Brompton or cheaper?
Replies: 27
Views: 1986

Re: Folding bikes: Go Brompton or cheaper?

A couple years ago, I purchased a folding touring bike. A different usage than you are considering, but this article I wrote about my search and choice (a Bike Friday) might be of interest to you.
by Raybo
Fri Apr 19, 2019 2:49 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6763

Re: What is your hobby and how did it come to be your hobby?

My main hobby/passion is traveling long distances by bicycle. Generally, I ride 800-1000 miles per trip once a year, twice, if I am lucky. This requires a good deal of local riding to stay in shape and then train for a tour. Living in SF makes the training more pleasant but also hillier than many ot...
by Raybo
Fri Apr 05, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8744

Re: Married couples: can you have a team mentality with separate finances?

I've had it both ways (two wives!) First wife was bad at math and secretive about money. We both ran our own businesses. She preferred to keep things private. Eventually, I found out that while I was putting money in a saving account, she was rolling over her credit card debt month to month. I start...
by Raybo
Wed Apr 03, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Start a business or remain an employee?
Replies: 25
Views: 1144

Re: Start a business or remain an employee?

To me, it depends on what drives you. If you are content working in a dynamic, though big, organization and doing well in it, then staying there, investing well, and retiring (from paid work) as soon as you can might be a better life plan. If, on the other hand, running your own show, dealing with a...
by Raybo
Tue Apr 02, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Alitalia
Replies: 11
Views: 763

Re: Alitalia

Always
Late
In
Taking-off
Always
Late
In
Arriving
by Raybo
Sun Mar 31, 2019 7:33 am
Forum: Personal Investments
Topic: Rethinking investments
Replies: 11
Views: 1275

Re: Rethinking investments

What withdrawal method are you using? Do you have any bonds?

Dividend paying stocks tend to be older companies in established businesses. Just the kinds of places killed by the internet.

I suggest you need a broader strategy then a more specific tactic.
by Raybo
Thu Mar 28, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: 17 out of 18 American Funds have beaten the index
Replies: 63
Views: 4831

Re: 17 out of 18 American Funds have beaten the index

I was given this same marketing hype from an Edward Jones rep. When I mentioned the sales load, the comparison against the index (no dividends) not the actual performance, and that it seemed a bit misleading, he said they had other funds, if I was interested. I wasn't.
by Raybo
Thu Mar 21, 2019 9:12 am
Forum: US Chapters
Topic: San Francisco Mid Peninsula, California Chapter
Replies: 46
Views: 7622

Re: San Francisco Mid Peninsula, California Chapter

Is anyone driving from San Francisco? I need a ride.

PM me if I can catch a ride with you. I live in Noe Valley, but can bus to where you area.
by Raybo
Fri Mar 15, 2019 8:50 am
Forum: Personal Investments
Topic: retirement planning
Replies: 7
Views: 1386

Re: retirement planning

It is unlikely that an allocation that is 75% bonds will return 4% a year going forward. If you told the FA at Vanguard that you wanted to make 4% a year and you have a CD earning 3%, it makes sense that the FA would suggest selling it and moving it into something else. We would all like to have a l...
by Raybo
Sun Mar 10, 2019 7:48 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 5856

Re: Spouse wants to buy individual stocks

In my view, it depends on how he gets his information about the stocks he wants to trade and how much he wants to "play" with. When I was working, I consulted for various companies in Silicon Valley. It wasn't hard to get a pretty good idea of how the company was doing by just walking around and lis...
by Raybo
Sun Mar 10, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: Larry's new book The Complete Guide to a Successful & Secure Retirement
Replies: 22
Views: 7582

Re: Larry's new book The Complete Guide to a Successful & Secure Retirement

I checked this book out of the library and found it aimed at a pretty sophisticated investors. It isn't that Larry uses words without defining them, he defines them and then uses them liberally. Words like asset allocation, diversification, correlation, etc. I had no trouble with them, buy people ne...
by Raybo
Thu Mar 07, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6844

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I scanned this thread and didn't see listed one of the best resources for learning languages via the web, in my opinion. It is www.conversationexchange.com . It is a site that hosts thousands of people looking to exchange conversation with native speakers in any language you might want to learn. I a...
by Raybo
Wed Mar 06, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: What do you tell people who ask for retirement/investment advice?
Replies: 71
Views: 5470

Re: What do you tell people who ask for retirement/investment advice?

I find that people who ask me for advice often are open to what I have to say. I always start by asking what their goals are. This usually focuses the conversation on them and their desires. Most people are open to such discussions. I also ask a lot of specific financial questions. Mostly, I offer c...
by Raybo
Mon Mar 04, 2019 12:09 am
Forum: Personal Investments
Topic: Accumulation/decumulation strategy
Replies: 12
Views: 1336

Re: Accumulation/decumulation strategy

You should check out this thread on McClung's ideas of decumulation strategies, specifically Prime Harvesting: https://www.bogleheads.org/forum/viewtopic.php?t=192105 It is a variation of your idea but instead of spending your bonds down to 0 and then spending stocks, there is a mechanism where by y...
by Raybo
Sun Mar 03, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to decline additional responsibilities in work?
Replies: 14
Views: 2074

Re: How to decline additional responsibilities in work?

Ever read The Peter Principle? The author, a funny, insight, college professor who called himself a hierarcheologist, studied bureaucracies and discovered the Peter Principle (the author's name is Lawrence Peter): In a hierarchy, people rise to their level of incompetence. That is, when you stop doi...