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Re: Guns for hunting/defense

Bear spray. It's pepper spray in a fire extinguisher. 20 Gauge. I couldn't agree more that a pump in the less than expertly trained hands is a short-shuck waiting to happen. Scary to have a live round stuck in limbo till you get to a safe (?) place to unstick it. Benelli for sure in an automatic, bu...
by reisner
Thu Feb 26, 2015 1:18 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 131
Views: 6978

Re: Mr. Money Mustache: Hero or Foolish?

He has had a lot of valuable stuff to say, but I stopped reading his site because it became so repetitious, self-congratulatory, and strident. He's going on well after he has made his point, I suppose because he enjoys it and the site earns him a bundle. Myself, as a classicist, I believe in moderat...
by reisner
Mon Feb 09, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 426
Views: 63972

Foreign to energy

I know this is market timing, but I'm only talking about the loose change, 1.25% of my portfolio: Is anyone else thinking about selling Foreign and buying energy?
by reisner
Thu Feb 05, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign to energy
Replies: 10
Views: 728

Re: Favorite Dishes?

Denby, made in England.
by reisner
Thu Jan 22, 2015 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Dishes?
Replies: 24
Views: 1461

Re: Poll - How much is enough / what's your number?

With about 95K in pension and SS, plus medical supplement, drugs, dental, and vision insurance, as well as a 700K house free and clear--the portfolio is gravy. I'm 69 and we have yet to withdraw the yearly dividends--while doing work on the house, traveling, and handling unusual family expenses. I c...
by reisner
Wed Jan 14, 2015 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7810

Re: Favorite sweaters (cashmere or merino)

I wear sweaters a lot, and they are one of the few items of clothing that I like to have a lot of; well, eight maybe. I have never found that dear old Patagonia did wool or cashmere very well. For merino I like the Italian brand Gran Sasso very much--beautiful designs and colors and good craftsmansh...
by reisner
Fri Dec 19, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Favorite sweaters (cashmere or merino)
Replies: 9
Views: 1389

Re: Hudson Bay Company Blanket

I too like wool against the skin. As a city-bound country mouse, Hudson's Bay blankets were among the many fetishized objects that entranced me. But they are heavy, very heavy, and very expensive and do not fit all decors. Late in life I discovered MacAusland's (http://www.macauslandswoollenmills.co...
by reisner
Thu Dec 04, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Hudson Bay Company Blanket
Replies: 8
Views: 1587

Re: Athens and London, what to do and where to stay?

Credentials: I have spent over a year in London teaching and touring with American college students. And I have spent over a year in Greece and wrote the book on the history and literature of travel to Greece, "Travelers to and Antique Land" (University of Michigan Press). While I love Ath...
by reisner
Fri Oct 24, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 2331

Chase and security

Given the recent hacking breach at J.P. Morgan Chase, I am reviewing our cyber-security (we have a Chase credit card). It seems we are doing the most important things right: credit frozen, credit card statements reviewed item by item, credit union and Vanguard accounts checked almost daily, everythi...
by reisner
Sun Oct 05, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase and security
Replies: 3
Views: 606

Re: What bumps were along your road?

Personally it's another story. But financially, after a poor and insecure childhood I always wanted security. Timing and luck have been on my side. I got my Ph.D. in classics from Stanford when I was twenty-five, 1970, taught for 35 years at San Diego State, bought into the SD real estate market whe...
by reisner
Thu Oct 02, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3447

Re: Guidance moving to Seattle

Take lots of Vitamin D and buy a seasonal affective disorder light. Wear lots of yellow too if you have the complexion for it; it makes you happy to see yourself in the mirror. Personally I also bought a 12 gauge, but that was a mistake; turns out I prefer a 20.
by reisner
Wed Sep 10, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 2053

Re: Travel to the Netherlands?

I strongly recommend a visit to the Hoghe Veleuwe National Park, the Netherlands only one. Interesting landscape ("High Badlands") with a great Van Gogh museum right in the middle, free bikes, and an easy opportunity to visit Arnhem. Not the town, but the battle sites and especially the wa...
by reisner
Sat Sep 06, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Travel to the Netherlands?
Replies: 6
Views: 607

Re: The Worst Investment You Can Make: Buying a Home

It depends where and when you buy. From 1973 to the present I have made 20 K and about a million on two homes San Diego and La jolla, 25K on a home in Port Townsend, Washington, and an unrealized gain of 100K in the last three years on a home in Pismo Beach (Bugs Bunny's favored vacation spot). Pure...
by reisner
Wed Aug 20, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 17161

Re: Poll for 65+ Seniors

57.6% stocks, but I have a traditional pension with drugs, dental, vision, and supplementary medial insurance, and no mortgage. :sharebeer
by reisner
Sat Aug 16, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 51
Views: 5876

tipping a house painter?

Would you tip a house painter? We scored a special price from a big painting company, $3000 for a 2000 sq. ft. house on the California coast, plus a few add-ons. The crew is a little different each day, but the foreman is here all the time and doing a fantastic job. He does want us to hire him on th...
by reisner
Thu Aug 14, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 1520

Re: Where do you buy clothes?

Sierra Trading Post, but only with extra discounts via email and reduced shipping. eBay. Occasionally shoes on sale from Zappos. Recently I discovered Gustin, a SF company that crowdsources its products, mostly jeans, chinos, and shirts; for example a very high-end Japanese or Italian selvedge denim...
by reisner
Thu Aug 14, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10386

Re: Drought Management

As residents we are trying our best but frankly the solution does not lie with us. California is one of the few states that does not regulate groundwater pumping. So much is being pumped for agriculture in the Central Valley, where cotton and rice are grown in essentially desert conditions, that the...
by reisner
Sat Aug 02, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3299

Re: How Much Did You Lose Today?

With the market so high and no new money flowing into our accounts, I have been staying at 56/44 instead of 60/40. Yesterday I sold bonds and bought stock, nearly 2% of our portfolio. Will probably buy a little more today, and we will still be below 60/40. Not that it will make much of a difference,...
by reisner
Fri Aug 01, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 16046

Re: How Much Did You Lose Today?

With the market so high and no new money flowing into our accounts, I have been staying at 56/44 instead of 60/40. Yesterday I sold bonds and bought stock, nearly 2% of our portfolio. Will probably buy a little more today, and we will still be below 60/40. Not that it will make much of a difference,...
by reisner
Fri Aug 01, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 16046

Re: Should I Buy a Home Warranty

The only reputable company is American Home Shield. We have used them for six and a half years. In that time they have paid for about $13,000 in work on our two successive homes, both of which were given rave reviews by the home inspectors.
by reisner
Wed Jul 23, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1478

Re: Tiny House Movement

I feel oppressed by possessions that I do not use, even if they are stored away in the garage cabinets. How many of your clothes do you actually wear? How many of all those kitchen implements or knives do you really use (in my case three very sharp knives)? How many of those square feet in the house...
by reisner
Wed Jul 09, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16487

Re: Please help us decide where to live

If you are considering the Seattle area, the town of La Conner is a gem to the north.
by reisner
Fri Jun 27, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 9059

Re: Cost of car compared to Gross Income

25% for a 2014 Subaru Forester that we will keep for ten or fifteen years. We could have paid cash but the credit union was offering 1.9%, so why take money out of Vanguard?
by reisner
Fri Jun 20, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4930

Re: [Poll] Did you tax loss harvest in the past?

Aty the end of 2009 I sold all sector funds and S&P 500. At the beginning of 2010 I bought Total Stock Market, and there I sit now. In addition, while the market was near bottom and I was temporarily living in a no-tax state, NH, I converted my IRA to a Roth with minimum tax liability. Furthermo...
by reisner
Thu Jun 19, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Did you tax loss harvest in the past?
Replies: 17
Views: 995

Re: What funds do you sell in order to balance

harikaried wrote:
reisner wrote:The Roth is full of bonds, so I have only the Small Caps Index to work with there.
So the Roth is the only tax advantaged space? No IRA or 401k or even 529?


I have a CalPers state, not municipal, pension, SS, and a house on the California Coast. :sharebeer
by reisner
Sat Jun 07, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 682

Re: What funds do you sell in order to balance

The Roth is full of bonds, so I have only the Small Caps Index to work with there. And I'm retired; so barring an inheritance or the sale of a screenplay there is no new money to do the rebalancing with. Thanks. I don't necessarily want to get rid of the Small Caps and FTSE; it's just that those sal...
by reisner
Sat Jun 07, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 682

What funds do you sell in order to balance

The steady rise of the market makes me a little nervous, so I have been rebalancing far more often than usual and trying to stay under our 60% equities allocation. I am probably not alone in this practice. My question is, what are Bogleheads selling lately to balance into bonds? Theoretically I shou...
by reisner
Sat Jun 07, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 682

Re: Rent vs. buy in SoCal

Don't buy. You sound, the both of you, close to burning out and fleeing to a kindlier place. No possible real estate increase could compensate for the safety of not buying in such a milieu. (I have spent half my life in and out of Palo Alto.)
by reisner
Mon May 26, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs. buy in SoCal
Replies: 8
Views: 813

Re: Convince me to choose a Suburban over a Sequoia

Perhaps the best idea would to downsize all the stuff you bring with you, instead of continuing to supersize as has been the American way.
by reisner
Sat May 17, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 5239

Re: Convince me to choose a Suburban over a Sequoia

We love the 2001 Sequoia we bought used in 2009 so much that we're selling the 2007 Honda Accord instead of it. (We just bought a Subaru Forester and don't need three cars.) Probably 16 mpg around town, but twenty on the Highway. I've driven it across the country three times with no worries. My shop...
by reisner
Sat May 17, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 5239

Re: Expensive hobbies and possessions? (B/c you can...)

I don't own much, but I buy good stuff--at a bargain, mostly. Food and booze can't be scrimped on. But really good clothes can almost always be had for a huge discount from Sierra Trading Post. So too fishing equipment. Bought exactly the shotgun and deer rifle I wanted, but used, for $500 and $450 ...
by reisner
Wed Apr 02, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 17046

Re: Mr. Money Mustache: Hero or Foolish?

I have followed him for a while. His Canadian origins may account for some of his rough-it lifestyle (food, showers, laundry, travel arrangements). I think he does a great deal of good, and more power to him if some money comes his way because of the website. But I have come to find his hectoring of...
by reisner
Tue Apr 01, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 426
Views: 63972

Re: How much to build a small house from scratch?

Far from being unsaleable, small houses and apartments enjoy a growing market. See: http://www.lifeedited.com/ It's great to see that Tumbleweed and others are designing small, but not necessarily micro, homes. You don't have to be an extreme minimalist to want the cost and societal benefits as well...
by reisner
Mon Mar 31, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 29
Views: 2258

Re: Less is Beautiful

This can be one of the stresses in a relationship. Post-my -retirement, my partner's project or life-assignment is the house. Although she does a great job, I myself have no interest in the project. At this point in my life I'm looking for friends and new experiences, not a new doormat, set of dishe...
by reisner
Wed Mar 19, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Less is Beautiful
Replies: 29
Views: 4515

Re: Poll: When did you retire? Would you do it all over agai

Age 60, in 2005. Since retirement enabled me to sell my house in San Diego at the peak of the market there and move on, which I very much wanted to do, I would certainly do it all over again.
by reisner
Mon Mar 10, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 11951

Re: What was your dumbest financial decision?

I had a pair of shoes custom made in Italy for $800. I have worn them only three times. Size 9 if anyone's interested.
by reisner
Sun Mar 02, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14793

Re: Vacuum cleaner advice

Dysons are ridiculously overrated. Go to your local sewing and vacuum store and get good advice on which Miele to buy. Don't buy one over the internet; you won't save enough to make up for the advice you didn't get.
by reisner
Sat Mar 01, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 2263

Re: Warren Buffett's portfolio for his wife: Vanguard index

90/10 is a far cry from 60/40. I would have appreciated the rationale for his AA.
by reisner
Mon Feb 24, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett's portfolio for his wife: Vanguard index fund
Replies: 70
Views: 12297

Re: Cost Analysis: Living in CA vs the South

Full disclosure: Having lived in San Diego (La Jolla) for 35 years and then left, I never again want to go south of Santa Barbara. I moved away (Olympic Peninsula), moved back (Central Coast), moved away (NH), and am thinking of moving back again (Sonoma County). Although green is my favorite color ...
by reisner
Tue Feb 04, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 6152

Re: AARP Membership?

I too have found their Hartford home/auto/umbrella policy rates unbeatable by a long shot. Way better than Geico, Amica, and AAA.
by reisner
Sun Feb 02, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 2238

Re: SUV Vs Sedan

For my money a hatchback is the best vehicle, whether it is basically a car or an SUV. We'll probably be buying a Subaru Forester next. Some have called the Honda Fit more of a mini SUV than a car. If you need AWD, Honda is coming out in a few months with a true mini SUV on the Fit platform. These a...
by reisner
Wed Jan 29, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 4839

Re: Age in Bonds - Who Follows a Different Strategy?

68, wife 53, and we are 60/40. But between my pension and SS alone our income is higher than it was when I was working. No mortgage, no debts, medical, drugs, vision, and dental covered by the pension. And I feel 38. So 60/40 seems right for the foreseeable future.
by reisner
Sun Jan 26, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 7195

Re: Seattle as a place to live?

Much buzz in the Seattle area about how Portland has done so many more things right--traffic, public transportation, open space. Seattle traffic can be horrendous. And while there are some charming neighborhoods like Ballard, the city as a whole has a cold feel to me. A local free newspaper runs a c...
by reisner
Sat Jan 25, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 74
Views: 8514

Re: Which bond fund is best?

I like the Intermediate Term Investment Grade because I want to be light on Treasuries.
by reisner
Sat Jan 25, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Which bond fund is best?
Replies: 83
Views: 4638

Re-rebalancing

We Bogleheads don't time the market except, as Nisiprius once pointed out, of course we all do, more or less. Presuming that you have dutifully done your post-distributions rebalancing, and presuming that has meant selling equities and buying bonds--if this week's slide in the market continues next ...
by reisner
Fri Jan 24, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Re-rebalancing
Replies: 3
Views: 279

Re: Target Breach, Updated

About freezing your credit--that seems like the thing to do right now. Do husband and wife have to do so separately?
by reisner
Sun Jan 19, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4690

Re: Target Breach, Updated

Ah, the bliss of ignorance! But I found the idea of giving out personal information in order to protect personal information a bit curious in the current circumstances. Especially given that Experian does not have an unblemished security record: http://krebsonsecurity.com/2013/10/experian-sold-consu...
by reisner
Sun Jan 19, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4690

Re: Target Breach, Updated

Target's offer of a free year of Experian credit monitoring requires me to enter my SS number. I see that SScritic signed up, but I'm suspicious. Should I be?
by reisner
Sun Jan 19, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4690

Re: Biggest regrets in your life in financial investment?

Unfortunately you don't lend money to friends; you give it to them.
by reisner
Fri Jan 17, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8456

Re: Biggest regrets in your life in financial investment?

I didn't start investing until I was over fifty. Until then I relied on the future pension, which has been great, and real estate appreciation in San Diego (tiny house in La Jolla) which was unbelievable. Still, I wish I had started putting a little away in index funds during my thirties. But did th...
by reisner
Fri Jan 17, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8456
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