Search found 277 matches

by reisner
Fri Jul 31, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Costco for hearing aids
Replies: 10
Views: 619

Re: Costco for hearing aids

The local audiologist wanted 6K for hearing aids no better than the ones I bought for 2900 at Costco, which also come with a charger for rechargable batteries and a far better guarantee as well as a two-year guarantee against loss. The service was excellent.
by reisner
Thu Jul 23, 2015 11:07 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 15884

Re: Downsize, Reduce, Simplify.

Caitlin Flanagan's wonderful book "Flanagan's Smart Home" comes at this from the other direction--what is the minimum I need to make a home. She comes up with 98 items. Adding a few and subtracting a few I come up with about the same. Of course one then has to address clothing, books, cds,...
by reisner
Wed Jul 22, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 7586

Re: Why did you take SS at FRA instead of delaying until 70?

About to turn 70 in September, I took SS at 66. I retired a bit early and supplemented the pension with theoretically bad investments (Fidelity Latin America and Canada) that for several years were going up 45%. Then the recession hit. After moving all funds to Vanguard when the tax hit was minimize...
by reisner
Thu Jul 09, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 14702

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

Since I was in CalPers, owned a tiny home in La Jolla, and couldn't wait to retire and get out of S.Cal--I spent a lot of time calculating and recalculating my pension (got it right to the dollar), staring at my yearly SS statement, and waiting in worsening traffic till the numbers spelled freedom. ...
by reisner
Tue Jun 30, 2015 12:39 am
Forum: Investing - Help with Personal Investments
Topic: What stocks have you been buying recently and why? Or are you holding off on buying until Greek crisis settles?
Replies: 21
Views: 2141

Re: What stocks have you been buying recently and why? Or are you holding off on buying until Greek crisis settles?

The other day we had balanced to 53/47 after reaching "our number." If the Greece crisis should put that balance out of whack, we will rebalance into it--once we are far enough off course. In other words, once it seems like mutual funds, foreign or domestic, are something of a bargain then...
by reisner
Fri Jun 19, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 14010

Re: The "4% Rule" revisited

4% is a rule of thumb that can present a psychological obstacle. Since my starting SS at age 66--I also have a good DB pension and supplementary medical, drugs, and dental--we have not withdrawn the total dividends for each year, which total about 2% of the balance. We live very nicely; I suppose we...
by reisner
Mon Jun 01, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market in SoCal
Replies: 55
Views: 5910

Re: Housing Market in SoCal

San Diego real estate has been volatile, as well as ahead of the rest of the nation in bubbles and busts. Personal data. I bought my first house in the Mission Hills neighborhood in June 1973 for 33K. Sold it three and a half years later for 55.5K and bought a 900 ft beach shack in la Jolla for 66.5...
by reisner
Sat May 23, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 3041

Re: advice from John Bogle and Warren Buffett

I own the Total Stock Market rather than S&P, because I shifted in late 2009 to do a tax loss harvest. Also, Total is more diversified and supposed to have less churn. I own Intermediate Term Index and Investment Grade rather than Total Bond market because of better performance and presumably be...
by reisner
Thu May 21, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2797

Re: What if the US stock market was only 25% of the world by market cap?

No! What if the US stock market WERE only ... It's hypothetical, not real.
by reisner
Mon May 11, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 6873

Re: Anybody 50/50?

We went into the recession somewhere between 70/30 and 60/40. As the market rose, I kept having to rebalance to stay close to 60% stock. Age now is 69 1/2, wife 55. I have a traditional pension and took SS at 66. We never spend more than the dividends from Vanguard, so I reduced us to 53/47 once we ...
by reisner
Wed Apr 22, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 2880

Re: Living in New Hampshire?

Rye, on the coast, has low property taxes because of few school-age kids; but the roads are subject to flooding. Over a year's stay I found the people very chatty and helpful (my being a hunter and fisherman helped), but real friends hard to make unless you have kids or join a church. Perhaps consid...
by reisner
Thu Apr 09, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really afford to retire in California?
Replies: 34
Views: 3099

Re: Can I really afford to retire in California?

You are wise to be looking north of the I 5-405 merge, which is a parking lot much of the day. As one other poster jokingly suggested, bring water; you'd be moving to an actual desert (under 10 inches of rain a year, sometimes way under). Note that the congestion in SD County now rivals LA's. And it...
by reisner
Sun Apr 05, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Renting in Retirement - Considerations?
Replies: 53
Views: 4762

Re: Renting in Retirement - Considerations?

I want to have light coming in from all four directions, a yard for my dog to meditate in, and a place to clean fish, pheasant, and maybe someday deer without horrifying the neighbors. That probably means buying a small house again. But otherwise I would rather rent. Moving in and out of California,...
by reisner
Tue Mar 31, 2015 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: phone warranty and unlocked iPhone
Replies: 3
Views: 524

phone warranty and unlocked iPhone

A double question here. We like no-contract phone plans. Republic Wireless has been great until recently. The problem until now has been with the Motorola phones they sell. Republic has had to replace three Moto Defy XTs for us because they wouldn't charge, and they did so directly and expeditiously...
by reisner
Sat Mar 28, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 15007

Re: Smartest Financial Move You Ever Made

etting a Ph.D and taking the first university job offered; the job market dried up after that. Buying a little shack in La Jolla for 66,5K in 1976 and selling at the peak. Discovering Vanguard. Not making any major mistakes.
by reisner
Wed Mar 25, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Getting over the psychology of the simplicity
Replies: 8
Views: 1199

Re: Getting over the psychology of the simplicity

We never had much to invest till we sold a little house at the peak, in La Jolla. It took me about three years to discover Bogleheads and get it right. A lot of work to discover simplicity, but isn't that the challenge of life? (Thank bonehead luck that my early mistakes--Fidelity Latin America fund...
by reisner
Sat Mar 21, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 9655

Re: Guns for hunting/defense

Let me speak up for the old-fashioned side-by-side shotgun as opposed to an over-and-under or anything else. Break-action shotguns are inherently safer, and IMHO the SXS has it over (no pun intended) the OU. It usually weighs half a pound less and carries better in the hand providing it's a box lock...
by reisner
Sun Mar 15, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 9154

Re: Where to retire in New England?

I love four seasons but please note: New England, serious New England, has ten. Count 'em: winter, ice out (AKA sugaring), mud, spring, black fly, summer, leaf peeper, Indian summer, fall, deer. I may have ignorantly reversed Indian summer and fall. A native New Jerseyan, a long time Californian, I ...
by reisner
Sun Mar 15, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 9154

Re: Where to retire in New England?

I love four seasons but please note: New England, serious New England, has ten. Count 'em: winter, ice out (AKA sugaring), mud, spring, black fly, summer, leaf peeper, Indian summer, fall, deer. I may have ignorantly reversed Indian summer and fall. A native New Jerseyan, a long time Californian, I ...
by reisner
Wed Mar 11, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 9154

Re: Where to retire in New England?

Newburyport on the north shore of MA. Barnstable and Yarmouth on the Cape--the bay side is less touristy than the ocean side. Rye and Newcastle (the latter quite pricey) NH are right next to Portsmouth but have far lower taxes because of a dearth of school-age kids. The winter can be quite isolating...
by reisner
Thu Feb 26, 2015 1:18 am
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 9655

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
Mon Feb 09, 2015 8:43 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 79006

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
Thu Feb 05, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign to energy
Replies: 10
Views: 824

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 Jan 22, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: Favorite Dishes?
Replies: 24
Views: 1608

Re: Favorite Dishes?

Denby, made in England.
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: 8327

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
Fri Dec 19, 2014 5:01 pm
Forum: Personal Consumer Issues
Topic: Favorite sweaters (cashmere or merino)
Replies: 9
Views: 1443

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
Thu Dec 04, 2014 10:13 pm
Forum: Personal Consumer Issues
Topic: Hudson Bay Company Blanket
Replies: 8
Views: 1687

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
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: 2662

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
Sun Oct 05, 2014 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Chase and security
Replies: 3
Views: 645

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
Thu Oct 02, 2014 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3878

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
Wed Sep 10, 2014 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 2219

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
Sat Sep 06, 2014 2:48 pm
Forum: Personal Consumer Issues
Topic: Travel to the Netherlands?
Replies: 6
Views: 643

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
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: 18033

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
Sat Aug 16, 2014 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 51
Views: 6053

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
Thu Aug 14, 2014 1:40 pm
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 2285

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 11:38 am
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 11258

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
Sat Aug 02, 2014 9:19 pm
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3442

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
Fri Aug 01, 2014 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 16564

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: 16564

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
Wed Jul 23, 2014 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1625

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 09, 2014 7:03 pm
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16719

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
Fri Jun 27, 2014 9:45 pm
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 9497

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 20, 2014 10:11 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 5270

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
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: 1023

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
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: 730

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 12:39 pm
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 730

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 12:21 pm
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 730

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
Mon May 26, 2014 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs. buy in SoCal
Replies: 8
Views: 869

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
Sat May 17, 2014 9:31 pm
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 6631

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 6:58 pm
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 6631

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...

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