Search found 368 matches

by reisner
Mon Oct 09, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13796

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM seems to have a pang of guilt about doing anything fun that might cost a spare buck. Granted, the other guys are trying to get our money, but they have to live too. And sometimes the fun, convenience, or pleasure is worth handing over the shekels. MMM focuses on when it's not, which is nearly al...
by reisner
Fri Oct 06, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3979

Re: Retirees, how and how much do you pay for health insurance?

As a state employee I got a lousy salary but now get a great pension. Consequently, the state reimburses me for Medicare deductions from my SS and also provides a supplementary policy that covers the Medicare deductible and co-payments as well as all but a small co-pay for drugs. A complete knee rep...
by reisner
Wed Sep 27, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6009

Re: My Smartest Financial Moves

I listened to the guy who hired me at SDSU and bought a house in San Diego in 1973, only 2 3/4 years into my first job, for 33K. Zillow now lists it for 869K. Of course I no longer own it, but I did ride CA real estate up until I sold out at the top in 2005. Stayed out of the market for personal rea...
by reisner
Wed Sep 20, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5976

Re: Getting over emotional attachment to house

The warning about future mansionization of the neighborhood strikes me. When I bought the cheapest house sold in La Jolla in 1976, my neighborhood was composed of small bungalows housing retired bank clerks, professors like me, and the descendants of the original servants to the original rich. When ...
by reisner
Mon Sep 04, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9544

Re: Non-fiction bucket list

Kathryn Schultz, Being Wrong

Stephen Grosz, The Examined Life

Helen Macdonald, H Is for Hawk

Kingsley Amis, Everyday Drinking

John Lanchester, How to Speak Money
by reisner
Mon Aug 21, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 3212

Re: "Structured" Flip Flops, Slides

Consider the slides by HOKAS. A brand often recommended by foot surgeons.
by reisner
Wed Aug 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1182

Re: trailer SUV combination for tyro

OP here.
Went into an RV dealer in Nipomo, Ca to see a used Rpod 179. Wound up being much taken with a new Lance 19.5 foot job with a punch out. Weighs and costs a lot more, but the price was 7500 under msrp and came fully loaded. And I wonder if most people who start out small don't upgrade.
by reisner
Tue Aug 15, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1182

Re: trailer SUV combination for tyro

Sorry for the delay in replying. For some reason BH never sent me emails about responses to my post. I don't like the idea of owning a third motorized vehicle like the Mercedes Sprinter. A 100K sitting in storage instead of just a trailer. Plus we need more floor lounging room for the dogs. The old ...
by reisner
Mon Aug 14, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1182

trailer SUV combination for tyro

I'm 72, wife 57. 6 feet and five seven, both healthy and active. I've never towed anything in my life and am terrible at backing up. She has never towed anything and is great at backing up. We have a 2001 Toyota Sequoia with only 160K on it and a new Subaru Forester. Forget the latter. We are based ...
by reisner
Mon Jul 31, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1509

Re: Florence Hotels.......

Stay in Setigiano at the Hotel Aurore in the hills, the brief bus ride down to Firenze begins at your door. Peace, good restaurants, good value. I would never dream of Florence itself.
by reisner
Tue Jul 11, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Alternative to Bose Wave?
Replies: 8
Views: 1270

Re: Alternative to Bose Wave?

Thanks,
The Sony bookshelf system might be the ticket.
Rob
by reisner
Tue Jul 11, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Alternative to Bose Wave?
Replies: 8
Views: 1270

Alternative to Bose Wave?

My Boston cd player and radio stopped playing cds after twelve years of use. It's no longer made. Is there an alternative product out there to the Bose Wave system, which is a bit pricey. Obviously I am very old fashioned, still playing cds and not using any music service. All I can find on Amazon i...
by reisner
Sat Jun 17, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 10179

Re: Worth it to buy expensive clothes?

Some years ago I found L..L. Bean's quality had declined. It may have picked back up, but I'm still looking for better. I would like some information on both their quality control and human rights record, since everything they sell seems to be made in China. Patagonia on the other hand publishes ext...
by reisner
Fri Jun 16, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 10179

Re: Worth it to buy expensive clothes?

I like to look neat, trim, well-turned out. Not dressy, not metrosexual, not Italian, not a Londoner, just my style, but not so pronounced that it would interfere with my chatting with a lawyer, or a Hell's Angel. I notice that most men of anywhere near my age (71) dress like plain slobs, unless it'...
by reisner
Mon Jun 05, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 10179

Re: Worth it to buy expensive clothes?

I'm not rich enough to buy cheap stuff. I buy the best I can find at a price I can afford (I am a great bargain hunter) and keep it a long time, even have it repaired. If an item begins to show some wear, it still shows a lot of class.
by reisner
Wed May 31, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 317
Views: 51698

Re: Any books really change your outlook on life?

"Being Wrong" by Kathryn Schultz, a brilliant and hilarious writer.

"The Examined Life" by Stephen Grosz--a psycholanalyst's case histories told as mini-mysteries.

"How to Speak Money" by John Lanchester, another brilliant and hilarious writer.
by reisner
Mon May 01, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Shopping habits and timing of purchase
Replies: 13
Views: 1580

Re: Shopping habits and timing of purchase

I too have a strict in-out policy. It started because I had a small house with very little storage. When my mother-in-law died and we came home with an Explorer full of her and the grandmother's stuff, we had to give away sixteen bags and boxes of our own stuff to Goodwill. When we got a rice cooker...
by reisner
Sun Apr 30, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and renting vs. home ownership
Replies: 13
Views: 1424

Re: Retirement and renting vs. home ownership

I've owned and rented, mostly in California but also in Washington state. It always seemed like I had more money when I was renting. Having made a bundle, by accident, in the ups and downs of the California market, I would be inclined not to buy another house. I'm not going to make another bundle (a...
by reisner
Sun Apr 30, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and renting vs. home ownership
Replies: 13
Views: 1424

Re: Retirement and renting vs. home ownership

I've owned and rented, mostly in California but also in Washington state. It always seemed like I had more money when I was renting. Having made a bundle, by accident, in the ups and downs of the California market, I would be inclined not to buy another house. I'm not going to make another bundle (a...
by reisner
Tue Apr 25, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5936

Re: $300+ to remove a racoon. Really?

Is there a problem here? Stench, fleas, some threat to pets? Coons are not my favorite animals, but I'd just let the family grow up and move on when they are ready and then block the access. Though I have live-trapped a couple of dozen possums and a hundred roof rats, I usually like seeing critters ...
by reisner
Sun Apr 23, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2697

Re: National Parks in Northern CA

I prefer to enter Yosemite from the east side, up the Tuoleme Pass Rd, staying in Lee Vining by Mono Lake--if that fits in with your itinerary.
by reisner
Mon Apr 10, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 13603

Re: You can never do "home" - retirement

Jersey City! Are you kidding me? Wait, wait, it's been discovered by the New York via Brooklyn via Hoboken crowd. Even so, no thanks. Hey, Martha, Martha Stewart! We were born in the same hospital, The Margaret Hague; it's going condo now. How about you, are you going back?

Didn't think so.
by reisner
Mon Apr 10, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27251

Re: Low-earners- What is your profession?

by livesoft » Mon Apr 10, 2017 3:27 pm reisner wrote: I was Professor of Classics and Humanities at San Diego State University for 35 years. When I retired in 2005 (and salaries have not gone up much since then, unlike my pension) I was making 81K. Stanford Ph.D. Tons of publications and community s...
by reisner
Mon Apr 10, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27251

Re: Low-earners- What is your profession?

I was Professor of Classics and Humanities at San Diego State University for 35 years. When I retired in 2005 (and pay has not gone up much since then, unlike my pension, to which I had always contributed about 5.5% of salary) I was making 81K. Stanford Ph.D. Tons of publications and community servi...
by reisner
Sun Apr 09, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4956

Re: Packing cubes for travel

I wrote this about throwing away old clothes on a trip. It got a lot of mail.

http://www.nytimes.com/1995/02/19/trave ... there.html
by reisner
Sat Apr 08, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4956

Re: Packing cubes for travel

I find a couple useful for socks and underwear in a roll-aboard. My weekend and car-travel bag had one big compartment, and nothing seemed to help me deal with that big black hole guarded by an abrasive zipper. I traded that in for a Red Oxx Safari Bag (winner of Outside magazine's Gear of the Year ...
by reisner
Sun Mar 26, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 45607

Re: What is your favorite consumer product?

Big fat Pelikan fountain pen Noodler's Bulletproof ink Rhodia notebooks MacBook Air Miele vacuum Logitech Squeezebox radio Icebreaker merino T shirts Handmade belt from Hollows leather Gran Sasso sweaters Keen hiking shoes Patagonia almost anything Benchmade Mini-Griptilian folder (be sure to sand d...
by reisner
Wed Mar 15, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 10240

Re: Do you avoid international investing like Jack Bogle?

If I were in the acquisition phase, I would be buying international. But I'm not, and I see no reason to sell my Vanguard TSM (all in taxable) to buy international.
by reisner
Sun Mar 05, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 4031

Re: Describe your Reasonable Dream Home

Bright light in winter through many large windows and glass doors. Shade in summer from surrounding greenery. (A view, as I learned when I had a view through thirteen french doors of bay, island , lighthouse, Olympic Mountains, quickly turns into a painting over the sofa.) Very functional space on o...
by reisner
Thu Mar 02, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: Bonds AND dividends down
Replies: 23
Views: 2919

Re: Bonds AND dividends down

Kevin M,

Thanks. That helps a lot.

Rob
by reisner
Thu Mar 02, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 4029

Re: Favorite survival books?

The Odyssey

Brazilian Adventure by Peter Fleming, brother of Ian

Disappearances by Howard Frank Mosher, recently deceased. The great American novel as far as I'm concerned. Made into a terrible movie by the way.
by reisner
Wed Mar 01, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Bonds AND dividends down
Replies: 23
Views: 2919

Re: Bonds AND dividends down

Bonds are more complicated than the average Vanguard investor knows when he chooses his AA. Naytheless, could anyone put it in plain English to this befuddled Stanford Ph.D. why my monthly deposits into my sweep fund are going down along with the prices of my bond funds? I appreciate all the respons...
by reisner
Wed Mar 01, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Bonds AND dividends down
Replies: 23
Views: 2919

Bonds AND dividends down

I thought bond yield was supposed to go up as bonds prices went down. So why are the dividends down about 15% the last few months on my Intermediate Term Index and IT Investment Grade Bond funds?
by reisner
Tue Feb 28, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: the tax pain of rebalancing
Replies: 2
Views: 340

the tax pain of rebalancing

My AA is 55/45, at age 71 with a DB pension.I am currently not far off that at 58/42, but PE ratios are very high right now, and I need to take some money out of the taxable account for a new roof and fence. So far I have pretty much kept the rebalancing to changes within my Roth. That won't be poss...
by reisner
Mon Feb 27, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Why not to do ROTH Conversion
Replies: 29
Views: 3503

Re: Why not to do ROTH Conversion

I did a Roth conversion at the end of 2009. The stock market was near the bottom, and I was living in a state with no income tax but expecting to move back to a state with high income tax. Barring those conditions, I don't think I would have done the conversion at age 64.
by reisner
Fri Feb 24, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8549

Re: Which puppy to buy: golden retriever or labrador retriever?

The last poster brings up size. My wonderful vet (large animal and small, bird dog owner, cross country horse racing champ) has a theory that within a given breed smaller is healthier. Certainly I have to wonder at the gargantuan specimens being bred and shown in some breeds. On the dog beach in San...
by reisner
Thu Feb 23, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8549

Re: Which puppy to buy: golden retriever or labrador retriever?

Not to highjack this thread, but a lot of the discussion has been on adoption vs. buying a pup from a breeder. There are reasons for insisting on a purebred of one sort or another that have little to do with "aesthetic" preference: you want a dog from a breed with a tradition of performing...
by reisner
Thu Feb 23, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8549

Re: Which puppy to buy: golden retriever or labrador retriever?

I'm glad you could judge the temperment of your Llewellin on meeting him.


Actually I spent an hour a day for a week with him before taking possession. By the third day we couldn't wait to see each other.
by reisner
Thu Feb 23, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8549

Re: Which puppy to buy: golden retriever or labrador retriever?

This is an animial that you will spend the next hopefully 15 years with .... the advice about going to a shelter or getting a rescue dog although I sympathize with the plight of those dogs, is just plain ill advised for a very expensive 15 year investment. I couldn't disagree more strongly. By gett...
by reisner
Wed Feb 22, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8549

Re: Which puppy to buy: golden retriever or labrador retriever?

Regarding the recommendation for using a Furminator to pull out gobs of hair: It works great, but the price has soared with its popularity. The Furblaster, available on Amazon, is much cheaper and works at least as well.
by reisner
Tue Feb 21, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8549

Re: Which puppy to buy: golden retriever or labrador retriever?

All breeds have their pluses and minuses, except of course for the breeds I prefer. Goldens are reportedly very prone to cancer, perhaps because (again, reportedly) they are all descended from just a couple of male dogs in this country. Labs--according to a recent article in, I believe, the NY TImes...
by reisner
Fri Feb 17, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: buying umbrella insurance in CA
Replies: 7
Views: 818

Re: buying umbrella insurance in CA

I get car, umbrella, and home insurance all from the Hartford through AARP. Their service has been outstanding. They went to bat for me in a fight with Liberty Mutual, when LM wanted to lowball a payout and have me take 10% responsibility for getting hit (pretty standard behavior for them, I have he...
by reisner
Mon Feb 13, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 4524

Re: why invest internationally?

I cashed out of a cash-cow house in San Diego in 2005, retired, and relocated to Washington State for a while. I didn't know what I was doing and by chance put a good portion of the profit into Fidelity Canada and Latin America. Those funds were earning over 40%, and that carried us through not quit...
by reisner
Wed Feb 08, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 3407

Re: Napa/Sonoma Recommendations

I love the town of Sebastopol, and the Hopmonk Tavern there for its old California atmosphere and a great selection of wine, beer, a wide range of food, and live music most nights.
by reisner
Fri Jan 13, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 5127

Re: Keeping kitchen knives sharp

A King waterstone, 1000/6000 grit.
by reisner
Thu Dec 22, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: Sudden increase in VG TSM dividend
Replies: 19
Views: 3138

Re: Sudden increase in VG TSM dividend

Wizard--

I was wondering if my high dividend wasn't good for P?E ratios.
by reisner
Tue Dec 20, 2016 6:03 pm
Forum: Investing - Theory, News & General
Topic: Sudden increase in VG TSM dividend
Replies: 19
Views: 3138

Re: Sudden increase in VGTSM dividend

That link shows quarterly dividends that range from $14.10 to $16.63. Mine just jumped from 2K to 3K!!
by reisner
Tue Dec 20, 2016 3:13 pm
Forum: Investing - Theory, News & General
Topic: Sudden increase in VG TSM dividend
Replies: 19
Views: 3138

Sudden increase in VG TSM dividend

I just noticed my quarterly dividend from the VG Total Stock Market fund turned up in my sweep account. It is 50% higher than in recent quarters. Any idea why?
by reisner
Sat Dec 17, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Cell phone carriers (looking to switch)
Replies: 34
Views: 2597

Re: Cell phone carriers (looking to switch)

Check out Republic Wireless. I'm currently paying $20 a month for phone, text, and internet.
by reisner
Wed Dec 14, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 8203

Re: Fountain Pens - Do you use one?

Deltoid--

Pelikan makes great pens and stands behind them for life, with a little repair shop in the old Manchester NH cotton mill.