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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 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 15
Views: 804

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 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15681

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 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7800

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 11:11 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4599

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 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Did you tax loss harvest in the past?
Replies: 17
Views: 888

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 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 626

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 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 626

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 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 626

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
Tue May 27, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs. buy in SoCal
Replies: 8
Views: 786

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 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4051

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 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4051

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: 12975

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: 255
Views: 33650

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: 1793

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: 4337

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: 11530

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: 9310

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: 2142

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: 11246

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: 5910

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: 2055

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: 4070

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: 6968

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: 6779

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: 4282

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: 4535

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: 4535

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: 4535

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: 7893

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: 7893

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: 1652

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 Consumer Issues
Topic: Republic Wireless
Replies: 45
Views: 11236

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: 9061

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: 6232

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: 6232

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: 6232

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: 534

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: 6036

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: 7199

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: 7931

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: 7931

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: 6730

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: 561

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: 13973

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: 13973

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: 1376

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: 13973

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: 4925

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: 4925
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