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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 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9240

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 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 250
Views: 27539

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 9:51 am
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

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
Thu Mar 20, 2014 12:29 am
 
Forum: Personal Consumer Issues
Topic: Less is Beautiful
Replies: 29
Views: 4233

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 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10707

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 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8389

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 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1924

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 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett's portfolio for his wife: Vanguard index fund
Replies: 70
Views: 10237

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 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5511

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 4:30 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1579

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 6:19 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3583

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 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6601

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 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6284

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 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Which bond fund is best?
Replies: 83
Views: 4003

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 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Re-rebalancing
Replies: 3
Views: 265

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 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4272

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 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4272

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 10:54 am
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4272

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 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7196

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 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7196

Re: Learning english grammar, writing/communication skills

Many good suggestions here. And now for a few more. If you can find a copy, Robert Graves's "The Reader Over Your Shoulder" is a strenuous tear through the bad writing of supposedly good writers. Study a foreign language, not via one of the new "painless" methods, but the old fas...
by reisner
Tue Jan 14, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Learning english grammar, writing/communication skills
Replies: 30
Views: 1432

Re: Republic Wireless

We switched from T-Mobile to Republic and haven't looked back. The Sprint coverage beats T-Mobile's. The WiFi option has been great in remote areas. The Moto Defy XT is our first smart phone(s). I'm not yet taking full advantage of it, but am especially pleased with being able to email snapshots. It...
by reisner
Fri Jan 10, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Republic Wireless
Replies: 36
Views: 3177

Re: when you reach"your number"

My number was a pension number. When I reached it, the pension nearly equaled my net salary, given no more deductions for SS, pension, union dues, IRA. If I didn't retire I was working only for a pension increase, of about two per cent a year--a job most candidates would kill for, but I was burnt ou...
by reisner
Fri Jan 10, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 8906

Re: CA state capital gains taxes

I agree with the reasoning of grabiner and sscritic, but I have my own point of view. The source of the income was not covered by the tax laws, only the state in which the tax event--a conversion from IRA to Roth--took place. That was New Hampshire. A quirk in the Federal tax code at the time allowe...
by reisner
Wed Jan 08, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: CA state capital gains taxes
Replies: 18
Views: 4040

Re: CA state capital gains taxes

It was split over two calendar years, 2009 and 2010. At that time the Feds allowed the Roth conversion tax to be paid over two years. The second year I was back in CA and the state tried to take its taste. I refiled the previous year's Fed, back paid all the tax due plus a penalty of about $400, but...
by reisner
Wed Jan 08, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: CA state capital gains taxes
Replies: 18
Views: 4040

Re: CA state capital gains taxes

During a year-long sojourn in NH (no state income tax) I did a Roth conversion. When I moved back to CA the Golden state still tried to grab a tax claim. I mananaged to win but it wasn't easy. I don't know about the rest of the states but CA is nasty.
by reisner
Wed Jan 08, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: CA state capital gains taxes
Replies: 18
Views: 4040

Re: Animal Medicine Cost

If the medicine is also approved for human use, you can order it at a great discount from the AARP pharmacy, provided of course that you are a member.
by reisner
Sat Jan 04, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Animal Medicine Cost
Replies: 5
Views: 478

Re: About to Buy a 2014 Subaru Forester

I have a Subaru "gotcha" (if you want to call it this)-- I purchased a 1 year old used Subaru Outback about 4 years ago, and the engine in my car burns through about a quart of oil every 2 thousand miles. Apparently, they say this is normal for a Subaru-- the dealer and owner's manual say...
by reisner
Tue Dec 31, 2013 6:51 pm
 
Forum: Personal Consumer Issues
Topic: About to Buy a 2014 Subaru Forester
Replies: 51
Views: 5227

Re: How many folks have a dog?

Travel: Yes, there are limits. However, I have traveled with a setter dog all over the country and have enjoyed his companionship more than I can say. I have also traveled to Greece and Turkey with an Airedale and had a ball. $: Make sure you can afford premium food, vet care, and boarding if necess...
by reisner
Thu Dec 26, 2013 11:59 am
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 6454

Re: Should I move to California from Midwest?

Go for the job interview. Hit the freeways at rush hour. Look in realtors' windows. Stroll the Stanford shopping Center, but dress up first. Go have sushi on University Ave in Palo Alto and look around at the other tables. Will you feel comfortable working with the sort of vibe you get from the peop...
by reisner
Fri Dec 20, 2013 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 7638

Re: Should I move to California from Midwest?

If I were doing this for a few years of experience with a new job and a new area, I would make the move but probably not bother with the struggle to buy a house. I have a spent a lot of time in the area, from 1967 on. I would weary of the long hours you describe, the terrible traffic, the high cost ...
by reisner
Fri Dec 20, 2013 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 7638

Re: Quitting work

I got a PH.D. and started teaching by the time I was just 25. Because of quick promotions and the job market I stayed to my surprise until retirement. I had gotten tired of the sound of my own voice and the factory-like work teaching GE, in a job that admittedly most adjuncts would die for. Late in ...
by reisner
Thu Dec 19, 2013 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting work
Replies: 63
Views: 6563

Re: Suggestions on buying a spa robe

Outlier carries a great linen robe, an old material with fantastic qualities that is staging a small comeback.
by reisner
Sun Dec 15, 2013 12:48 am
 
Forum: Personal Consumer Issues
Topic: Suggestions on buying a spa robe
Replies: 7
Views: 513

Re: What do early retirees actually do in Florida?

On the matter of moving to Florida and getting rid of things, it can be helpful to think of making a home from scratch. Barbara Flanagan is a great guide: http://www.amazon.com/Flanagans-Smart-Home-Essentials-Starting/dp/0761144609/ref=sr_1_1?ie=UTF8&qid=1386610360&sr=8-1&keywords=flanag...
by reisner
Mon Dec 09, 2013 1:34 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13194

Re: What do early retirees actually do in Florida?

Victoria, Your thread touches on so many issues. One that I don't think has been raised so far is minimalism. If you are becoming light, not buying, planning to move around, it's likely that a lifetime of accumulation now requires a period of strenuous deaccession. Perhaps this topic should have its...
by reisner
Sun Dec 08, 2013 10:45 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13194

Re: Slippers with Good Arch Support

I gave up trying to find slippers with enough support. I use lightweight Merrell leather clogs instead and am delighted with them.
by reisner
Sun Dec 08, 2013 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Slippers with Good Arch Support
Replies: 14
Views: 1137

Re: What do early retirees actually do in Florida?

An issue to consider is whether you will like fitting the demographic, or not. The times after retirement that I have fit the gray-bearded demographic I didn't like it. In the several years I spent in Port Townsend, WA seeing a bald eagle was an everyday occurrence in our community, but a child was ...
by reisner
Fri Dec 06, 2013 8:26 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13194

Re: Tactical Flashlight for long walks at night vs. pepper s

A point that is gradually emerging here, or at least in my mind, is that simplicity promotes safety. And when you introduce any device--pepper spray, a baton--you are adding an element to the situation that already has two parties in conflict. The only time in the last five or ten years that I was i...
by reisner
Tue Dec 03, 2013 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4398

Re: Tactical Flashlight for long walks at night vs. pepper s

Speaking of a swagger. The venerable English umbrella firm of Swaine, Adeney, Brigg (forgive misspellings) once purveyed to gentlemen the "Swagger Dagger," a sword cane. At the time they had a shop on Union Square in San Francisco. I went in, in an inquiring but not moneyed mood. The weapo...
by reisner
Mon Dec 02, 2013 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4398

Re: Tactical Flashlight for long walks at night vs. pepper s

Victoria, You are right. I received a lot of training for Mace that is important for pepper spray, matters involving wind direction, blowback, and simply familiarizing yourself with the nozzle. People have sprayed themselves, and I actually know a guy (retired law enforcement, duh!) who Tazed himsel...
by reisner
Mon Dec 02, 2013 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4398

Re: Tactical Flashlight for long walks at night vs. pepper s

Against a pit bull a tactical flashlight would be of no use whatsoever. Against a shooter in a crowded movie theater it might be the best defense, especially if other members of the audience deploy their own. Against a mugger, well . . . My Tai Chi (martial arts) instructor bought $10 ones for his d...
by reisner
Mon Dec 02, 2013 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4398

Re: Stocks and bonds placement in retirement

Victoria, I tend out of ignorance to oversimplify, but I'll give it a shot. There are two questions here, and you could allow the market to make two separate decisions for you. Converting your bond-heavy IRA to a Roth? If bond funds drop, it will be cheaper to convert your IRA to a Roth. Swapping bo...
by reisner
Mon Dec 02, 2013 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks and bonds placement in retirement
Replies: 38
Views: 2182

Re: App for writers on Macs

As a writer, you should probably study Charles Stross' blog entry "Why do you use Microsoft Word?" and decide how much of that applies to your own situation. Note that he thinks LibreOffice is probably compatible enough but didn't want to bet his schedule on it. Thanks, telemark-- Stross ...
by reisner
Sun Dec 01, 2013 4:42 pm
 
Forum: Personal Consumer Issues
Topic: App for writers on Macs
Replies: 15
Views: 569

Re: App for writers on Macs

Thanks, I will check out Scrivener and other apps suggested. Yes, Todd, I write books, hundreds of pages. Publishers, agents, and Amazon are all at ease with Word. I found the simple issues of formatting with Pages to be confusing and far from the intuitive that I have come to appreciate with Mac. P...
by reisner
Sun Dec 01, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: App for writers on Macs
Replies: 15
Views: 569

App for writers on Macs

I write a great deal and have been using a now outdated version of Microsoft Word for years and it's time to get modern. Have any of you used the Mac application Pages? It seems so user-unfriendly to me. Nevertheless it was free for me, and to get the latest version of Word I would likely have to bu...
by reisner
Sun Dec 01, 2013 9:31 am
 
Forum: Personal Consumer Issues
Topic: App for writers on Macs
Replies: 15
Views: 569

Re: Capital gains taxation at the state level

Expecting to move back to California (9% marginal tax rate), I did a Roth conversion while still living in New Hampshire which has no income tax and while the market was close to the bottom in 2009. Federal law allowed me to split the tax over two years. When it came time to pay the second half inst...
by reisner
Wed Nov 27, 2013 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains taxation at the state level
Replies: 17
Views: 928

Re: When do you stop worrying about saving?

Jack Bogle is happy with low eight figures. I think most of us can make do with a decimal point less than that.
by reisner
Tue Nov 26, 2013 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 4819

Re: When do you stop worrying about saving?

Mister Money Moustache has a lot of good advice about how to stop worrying. He retired a few years ago in his early thirties with just 750K saved.

http://www.mrmoneymustache.com/
by reisner
Tue Nov 26, 2013 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 4819

Re: Poll: House value as % of assets when mortgage paid off.

About 46-47%, but this is in California, and I'm really living off pension and SS. On the other hand, the sale of a house in San Diego at the peak of the 2005 market is responsible for most of the other 53% tucked away in Vanguard. I won the real estate lottery, sold high, stayed renting, bought low...
by reisner
Mon Nov 25, 2013 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 2846

Re: Any Air Bed Recommendations?

I got a queen-sized Aerobed from Overstock for about $45. It had a velvet-covered pillowtop that keeps everything from slip-sliding around, and a power cord so that you can blow it up easily and even adjust it in the middle of the night.
by reisner
Fri Nov 22, 2013 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Any Air Bed Recommendations?
Replies: 8
Views: 453
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