Search found 1541 matches

by Raybo
Sun Feb 18, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 163
Views: 10233

Re: What has been your most important skill in achieving financial independence?

Try to get good at two unrelated things that, when combined together, uniquely qualify you to do a high paying (and satisfying) job. Very interesting...mind expanding on this a bit more? Examples? Example from my own life. I like to speak in public. Always have. I was on the speech team in High Sch...
by Raybo
Sat Feb 17, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 163
Views: 10233

Re: What has been your most important skill in achieving financial independence?

Try to get good at two unrelated things that, when combined together, uniquely qualify you to do a high paying (and satisfying) job.
by Raybo
Wed Feb 14, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 61
Views: 7214

Re: How many of you use the "4% rule" during retirement?

I only use it when I talk with people who want to know about retirement spending and to check how I am doing with spending versus retirement pile. My wife and I spend what we want, though, we are frugal.
by Raybo
Sun Feb 11, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1274

Re: Can I track a friend's trip on my Windows computer?

When I go on bike tours, I use the Track My Tour app to place waypoints on a map that others with a link to the map can see.

The first two maps are free.
by Raybo
Fri Feb 09, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 1858

Re: Folding bicycles

Last year, I wanted a folding bike to travel on and leave with family in the U.K. for later trips in Europe. After looking at various makes and models, I went with Bike Friday. I wrote an article about my selection process and my experience riding it here . I realize a Bike Friday isn’t in your list...
by Raybo
Tue Feb 06, 2018 7:52 pm
Forum: Forum Issues and Administration
Topic: Add city threads to Wiki?
Replies: 4
Views: 324

Re: Add city threads to Wiki?

Aren't there better sites on the internet for information about where to eat and what to do in a city when traveling? Wouldn't that clutter up the Bogleheads wiki and detract from its focus? Sure, there are “better” sites on the internet for just about every topic. Many of them are mentioned in the...
by Raybo
Tue Feb 06, 2018 5:41 pm
Forum: Forum Issues and Administration
Topic: Add city threads to Wiki?
Replies: 4
Views: 324

Add city threads to Wiki?

I see there is yet another thread on visiting San Francisco. There have been several.

Why not add a section to the wiki for cities and/countries that have had extensive threads about where to visit? It might save on thread count!
by Raybo
Tue Feb 06, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2114

Re: Visiting SAN FRANCISCO

San Francisco has a lot of unique things. It is hard to recommend something without some idea of what you are looking for. For example, do you want to tour a WWII submarine? Visit an amusement game museum? Modern art? jazz or classical? Food preferences? Alcatraz? Nature? Hiking? Note that August is...
by Raybo
Sat Feb 03, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Matching a TIPS bond ladder with ST and LT TIPS bond funds
Replies: 98
Views: 4651

Re: Matching a TIPS bond ladder with ST and LT TIPS bond funds

Suppose I need $15K a year starting in 5 years for the next 20 years? The “real interest” duration of Vanguard’s intermediate TIPS fund is about 8 years. Since I don’t need the money for 5 years, is there any reason to convert some of the intermediate TIPS to the short term fund?
by Raybo
Sat Jan 27, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Balkans and Dolomite advice
Replies: 0
Views: 164

Balkans and Dolomite advice

I’m fairly deep into planning my next bike tour. My wife and I are attending a wedding just south of Brussels in May. Since I’m going there anyway, another bike tour in Europe is in the offing. I have heard such good things about Slovenia (east of Northern Italy on the Southern flank of the Austria ...
by Raybo
Sat Jan 27, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine your True AA%?
Replies: 8
Views: 736

Re: How to determine your True AA%?

While focusing on maximum loss and ability to stay the course is important, I think the first step should be to try and determine how much risk do you need to take. How much return do you need to get for the next 20 years to meet your retirement goals? By estimating amount contributed each and how m...
by Raybo
Mon Jan 08, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 1998

Re: Muir Woods (California) requires reservations.

For those willing to hike down and then up the hills, you can access Muir Woods from a trail that starts (way) above it where parking is a bit more accessible. The hike is maybe 2 miles down. You also have to walk back up to your car. The flat hike through Muir Woods adds another 1.5 miles or so. PM...
by Raybo
Sun Jan 07, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Bike tour in Portugal
Replies: 7
Views: 732

Re: Bike tour in Portugal

I’ve not ridden in Portugal. The best place for journals of people who have done similar trips is crazyguyonabike.com

This page has 5 links to information about bike touring in Portugal.
by Raybo
Sun Jan 07, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4303

Re: PE firm is buying my practice. Help!

Don’t invest more than you are willing to lose. Also, remember that this is not a publicly traded investment. So, getting access to your money will be at the whim of the managing partner/corporation. How does this entity report taxes? Do they have capital gains or dividends? Will you get imputed inc...
by Raybo
Mon Jan 01, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8177

Re: What non fiction book will you be reading in 2018?

cheese_breath wrote:
Wed Dec 27, 2017 8:20 pm
The Bible.
Moby Dick
by Raybo
Fri Dec 29, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Spain Trip: Barcelona & Girona + Cycling
Replies: 11
Views: 677

Re: Spain Trip: Barcelona & Girona + Cycling

Here are some suggested routes in and around Girona: http://www.viesverdes.cat/EN/1/home.html?idm=3
by Raybo
Fri Dec 29, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9454

Re: Plow Guy Raised Rates

Move to San Francisco where snow plowing is factored into the cost of housing.
by Raybo
Sat Dec 23, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 21
Views: 1414

Re: New Zealand Accomodations

You can take a mail boat from Picton all the way to the start (end?) of the Queen Charlotte track. We took it and got photos of dolphins swimming along side the boat that were truly amazing. The boat will also bring you back. We hiked for several days on the QC track and enjoyed it, even though it r...
by Raybo
Sat Dec 23, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Where to stay - Venice & Rome
Replies: 21
Views: 1276

Re: Where to stay - Venice & Rome

Are they interested in cooking their own food? If so, do what we did, rent an apartment (VRBO, AirB&B, etc) and then shop at street vendors and nearby supermarkets in Rome. While the food in Italy is grand, how many times in a row can you eat pasta and pizza? The local baker, just around the corner,...
by Raybo
Sat Dec 23, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 77
Views: 7450

Re: Are Roth IRAs overrated?

Another issue not mentioned yet is that money taken out of an IRA impacts how other income is taxed. For example, Social Security is taxed in various percentages based on your total taxable income. I dont believe withdrawals from a Roth affect the taxation of Social Security. The same goes for capit...
by Raybo
Fri Dec 15, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Question About TIPs and TIP Funds
Replies: 43
Views: 1894

Re: Question About TIPs and TIP Funds

Why do you want to buy TIPs? This will affect the answer. They have a specific purpose: to insure against unexpected inflation. The rates are low now because a) interest rates are low and b) no one is expecting higher inflation. If inflation spikes up, the insurance aspect of TIPs will also spike up...
by Raybo
Thu Dec 14, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: How easy is it to minimize tax liability yourself without a CPA/accountant?
Replies: 26
Views: 2733

Re: How easy is it to minimize tax liability yourself without a CPA/accountant?

It depends on how complex your financial life is. I started doing taxes myself, in pen way before software was available to do it, when the CPA I went to made a mistake (that I found) and then charged me more than the mistake cost in tax to file the form to fix the mistake. I figured that even if I ...
by Raybo
Sat Dec 09, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: IRS Rule of 55 vs. 72(t) Distribution
Replies: 8
Views: 990

Re: IRS Rule of 55 vs. 72(t) Distribution

Rule of 55 - Per IRS Publication 575, the Rule of 55 allows an employee who retires, quits, or is fired at age 55 to withdraw without penalty from their 401(k). This applies if you leave your job at any time during the calendar year in which you turn 55 or later. This only applies to funds withdraw...
by Raybo
Fri Dec 08, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17323

Re: Save all this money, what do you splurge on?

Hotels on bicycle tours so I don’t have to sleep on the ground.
by Raybo
Fri Dec 08, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 11156

Re: Retire in my early 40s? Crazy or actually doable?

I retired in my 40s (at 48). I didn't have your level of assets but I did sell into a housing bubble and rebalanced into the 2007-8 crash. Both helped a lot. While one important issue about such early retirement is money, another equally important question is what will you do with your time? I found...
by Raybo
Thu Dec 07, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7262

Re: House on the market less than a day. Did listing agent commit fraud?

I used to run along the same route several times a week. One day, I was running past a house and noticed a For Sale sign on the lawn that hadn't been there the day before. I called the realtor, looked at the house and made an offer that day. All of this happened before there was even an open house f...
by Raybo
Sat Dec 02, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1595

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

With locked credit, buying a CD from a bank is a major hassle. While I could buy them in my Vanguard investment account, I would lose any early withdrawal option.

I don't bother.
by Raybo
Sat Nov 25, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5742

Re: Etiquette question: going out to dinner with friends and how to split the bill

This often comes up for me. I am a vegetarian and often there are very few menu options and they are almost always the cheapest ones. In addition, I don't drink. But, I am good with math and can easily calculate what I owe. There are times when it is easier to simply divide the bill by the number of...
by Raybo
Tue Nov 21, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Monte Carlo Analysis VS Historical Rolling Periods
Replies: 28
Views: 2360

Re: Monte Carlo Analysis VS Historical Rolling Periods

I have done a fair amount of Monte Carlo simulation of financial data. Without question, the main problem is how to model real-world financial functions. What distribution are you going to use for inflation? If you select a reasonable mean (say 2%), then most any distribution you use will have some ...
by Raybo
Tue Nov 14, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 195
Views: 16269

Re: The 4% rule DOES fail but still makes sense!

There are several periods in US market history where there was a decline of 20% or more. Instead of using made up examples, why not use the real returns from real markets to see what happens after a 20% drop.

Here is a list of drops: https://www.yardeni.com/pub/sp500corrbear.pdf
by Raybo
Mon Nov 13, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: Are actively managed funds that claim to beat the market actually "scams"?
Replies: 29
Views: 3005

Re: Are actively managed funds that claim to beat the market actually "scams"?

It all depends on how they define "the market." In my experience, the funds that claim to beat "the market" are using the wrong benchmark. Comparing small cap value to the S&P 500 makes no sense no matter which way the comparison goes. Then there is the issue of sales loads (usually not factored in)...
by Raybo
Mon Nov 13, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Is the 4% SWR still valid because inflation is low despite low rates?
Replies: 5
Views: 728

Re: Is the 4% SWR still valid because inflation is low despite low rates?

The issue isn't inflation, interest rates, equity returns. It is if the future will resemble the past. If, going forward, the US economy continues the trends, good and bad, of the past, then the 4% SWR will hold. If not, all bets are off.
by Raybo
Sat Nov 11, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Business Partnership Questions - Advice Sought
Replies: 2
Views: 333

Re: Business Partnership Questions - Advice Sought

Partnership in business is like being married to your business partner. I'd prepare for the things that might go wrong in advance. A kind of business pre-nup, if you will. What happens if one of you dies? Who gets the shares? Will you (or your partner) end up with a wife or kids as a co-owner? Shoul...
by Raybo
Fri Nov 10, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Switching from Medicare Advantage (Kaiser) to Medicare Part F
Replies: 11
Views: 680

Re: Switching from Medicare Advantage (Kaiser) to Medicare Part F

$170+20+70 = $260 plus your medicare premium (that's a wash) Do I have this right? that is the cost of the new plan. Minus your now extra premium of $92. So total added cost is $168 per month. $2016 extra per year. No copays or out of pocket with your new plan. Sounds good. However, in this day and...
by Raybo
Fri Nov 10, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Switching from Medicare Advantage (Kaiser) to Medicare Part F
Replies: 11
Views: 680

Re: Switching from Medicare Advantage (Kaiser) to Medicare Part F

neilpilot wrote:
Fri Nov 10, 2017 10:39 am
Agree with Spirit Rider. My savings in going with G over F more than covers the Medicare deductible. Also, it's obvious that the OP is not paying for Medicare A, which is free. I'm sure Raybo's $134/mo is for Medicare B.
Sorry, for the error, I fixed it in the OP.
by Raybo
Fri Nov 10, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Switching from Medicare Advantage (Kaiser) to Medicare Part F
Replies: 11
Views: 680

Switching from Medicare Advantage (Kaiser) to Medicare Part F

I have been a Kaiser member for 30+ years. When I hit Medicare age last May, I chose Kaiser's Medicare Advantage for my health plan. This isn't "real" Medicare (I can only get health care at a Kaiser facility) and the terms were pretty much the same as my previous plan: Co-pays for everything until ...
by Raybo
Fri Nov 03, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign beneficiary on IRA options
Replies: 5
Views: 344

Re: Foreign beneficiary on IRA options

Is there some way to create a US bank account for your aunt with father's or your name on it that could receive money from the estate and that she could simply withdraw as she wanted using an ATM in her home country?
by Raybo
Fri Nov 03, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 9
Views: 1197

MLB Signal?

A team that used to be in the National League has won the world series as the American League Champion. I'm not sure what this portends, but maybe something like the old AFL team winning the Super Bowl might be in store.

Should I double down or lighten up?
by Raybo
Fri Oct 27, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2726

Re: Going to SF, Yosemite and Sacramento

The best hike I've take in Yosemite is the Panoramic Trail. It starts at Glacier Point and walks all the way down to Happy Isles via Nevada falls. Takes all day, pretty much. Take the bus up to Glacier Falls and walk down. If you are going to go to Alcatraz, let me know via PM and I can give a guide...
by Raybo
Thu Oct 26, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 1736

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

I was in Munich in June and went from there to Interlaken (actually to Wengen). It wasn't an easy transfer. We took a bus to Zurich and then a train to Interlaken. Be sure to check your connections before you set your plans in stone. If you go to Salzburg definitely take in Berchtesgaden! It is 15 m...
by Raybo
Tue Oct 17, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11015

Re: how long did it take to get used to retirement

My suggestion is to make a list of things you have any interest in doing without regard for how much it costs, how long it takes, or the likelihood you would do them. Music, mountain climbing, art, whatever. My list had a couple dozen items. I have tried most of them and am still doing a few of them...
by Raybo
Sat Oct 14, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: How to secure your website?
Replies: 17
Views: 1426

Re: How to secure your website?

My guess is that hosted servers are more secure than one you host yourself unless you are current with all the known attack methods. I am not, so I am using a hosted service. Do you program? If so, then defeating attacks based on code injection (JavaScript susceptible) or database wildcard attacks a...
by Raybo
Thu Oct 12, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2706

Re: Selling Tradelines

Given that all our credit data is now on the dark net, thanks to the high quality IT staff at Equifax, why can't these people simply buy a new identify with good credit?
by Raybo
Thu Oct 12, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 55
Views: 8925

Re: How young is too young to retire.

Early retirement means that all of your friends will still be working while you are not. If you have hobbies/interests that can be done solo or together with your wife or kids, not having established friends around is OK. If you like doing things with other people, you will either have to find new f...
by Raybo
Tue Oct 10, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 1164

Does anybody read the Medicare and You booklet?

I'm new to Medicare. This is my first January on it. I got mailed a Medicare and You booklet and wonder if I need to comb through it, glance at it, or ignore it?
by Raybo
Mon Oct 09, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: What to do with maturing TIP funds
Replies: 4
Views: 375

Re: What to do with maturing TIP funds

I used to ladder CDs, but they are a pain to buy with locked credit. I could buy them in my brokerage account, I guess.
by Raybo
Mon Oct 09, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: What to do with maturing TIP funds
Replies: 4
Views: 375

What to do with maturing TIP funds

Back in 2007 when the market was cratering, financial institutions appeared to be selling TIPS to raise capital. As a result, their prices fell and, as noted at the time on this forum, it was a good time to buy. I converted some of the money I had in Vanguard's Intermediate TIP fund to a 10 TIP bond...
by Raybo
Sat Oct 07, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 2117

Re: Medicare versus Medicare Advantage for 2018

I joined Medicare last May. I have been a satisfied SF Kaiser member for over 30 years. In checking here and other places, I was satisfied that SF Kaiser Medicare Advantage would provide me with the care I'd come to expect. So, that is what I chose. I just got my 2018 annual renewal notice and Kaise...
by Raybo
Mon Oct 02, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Review of a boat-bike tour along the Danube River
Replies: 10
Views: 1250

Re: Review of a boat-bike tour along the Danube River

Curious if you had the option to ride more miles (kilometers) each day if you had wanted to? We used to live in Vienna and rode many 50-80 mile days along the Danube which is pretty easy due to the flat grade. However, all of our trips were out and backs from our apartment in Vienna. We have been t...
by Raybo
Fri Sep 29, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Review of a boat-bike tour along the Danube River
Replies: 10
Views: 1250

Re: Review of a boat-bike tour along the Danube River

Desert wrote:
Fri Sep 29, 2017 8:53 pm
What is the market doing in June, 2018? :happy
Typo fixed.