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by reisner
Sat May 23, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 34
Views: 1985

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: 2205

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: 6127

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: 2577

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: 2826

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: 4279

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: 473

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: 14425

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: 1137

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: 8693

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: 8273

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: 8273

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: 8273

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: 8693

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: 75333

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: 766

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: 1551

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: 7992

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: 1418

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: 1622

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: 2452

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: 627

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: 3632

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: 2124

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: 620

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: 17498

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: 6000

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: 1630

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: 10769

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: 3340

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: 16200

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: 16200

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: 1550

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: 16588

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: 9194

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: 5080

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: 1008

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: 707

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: 707

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: 707

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: 847

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: 5819

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: 5819

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
Wed Apr 02, 2014 2:38 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 17196

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
Tue Apr 01, 2014 5:58 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75333

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
Mon Mar 31, 2014 8:51 am
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 29
Views: 2348

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
Wed Mar 19, 2014 11:29 pm
Forum: Personal Consumer Issues
Topic: Less is Beautiful
Replies: 29
Views: 4538

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
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: 12148

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
Sun Mar 02, 2014 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 16095

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
Sat Mar 01, 2014 11:17 am
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 2299

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.

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