Search found 341 matches

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: 7280

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: 3065

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: 2528

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: 3074

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: 2528

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: 2528

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: 271

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: 2880

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: 6751

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: 6751

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: 6751

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: 6751

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: 6751

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: 6751

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: 627

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: 3570

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: 2549

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: 4294

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: 2840

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: 2840

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: 2840

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: 2188

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: 6769

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.
by reisner
Wed Dec 14, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their retirement account AA with the market increase?
Replies: 26
Views: 2248

Re: Has anyone adjusted their retirement account AA with the market increase?

Retired and drawing SS and a DFB pension, once I passed a certain number for my Vanguard investments a couple of years ago I rebalanced from 60-40 to 55-45. Recently the stock percentage shrank a little, but since the election it has crept up to 57-43. I'm not going to do anything. Perhaps it would ...
by reisner
Tue Dec 13, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 6769

Re: Fountain Pens - Do you use one?

In over twenty-five years of use my big Pelikan--it's either the 800 or 1000--has never leaked or clogged. Unless you have to use cartridges there's no reason to buy the much inferior Mont Blanc. For the last five years I have used Noodler's bulletproof ink in all my pens. Since it bonds only with c...
by reisner
Sat Dec 10, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3311

Re: Frying pan recommendations

Carbon steel skillet from Blu Skillet Ironware. Beats cast iron all to heck.
by reisner
Thu Dec 01, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: best brands and where to get them?
Replies: 35
Views: 3166

Re: Hearing aids: best brands and where to get them?

I tried two audiologists. Same test results, close to six grand for only one product offered that had to be serviced in one location. I went to Costco. Same test results, many products, service available around the country. I bought the best they had, better than the audiologists' offerings, for 3K....
by reisner
Tue Nov 29, 2016 10:41 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 9835

Re: What was your Asset Allocation before and after retirement?

Retired at 60 in 2005 with a good pension, health insurance and a house paid off. AA was 70/30. About 2008, as the market started to fall, rebalanced to 60/40. Held at that untill 2013 or 2014 when the market had risen considerably and I was taking SS, and the accounts were about a third higher than...
by reisner
Sun Nov 27, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing vs Buying A Home?
Replies: 35
Views: 3149

Re: Investing vs Buying A Home?

So many issues to consider: How much do you like or hate doing home maintenance? How big a home do you want? The answer will factor into investment costs. Married or single? Usually the nesting and owning impulses are stronger with a partner than alone. How fussy are you about your surroundings bein...
by reisner
Wed Nov 23, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: From no state-tax to state-tax
Replies: 26
Views: 2834

Re: From no state-tax to state-tax

Before I moved back to California from Washington State (no state income tax) I converted my IRA to a Roth, so that I would never have to pay state income tax on top of federal. Luckily, the market was at the bottom, so my Federal was reduced too.
by reisner
Mon Nov 14, 2016 6:54 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 13097

Re: Which state to move for milder weather

No, to San Diego. I may be a contrarian; people love it. Having lived there for 35 years, in downtown La Jolla no less, I couldn't wait to leave. Real estate is crazy. We sold at the peak in 2005; our old house dropped 40% soon after but would now sell for a good 20% more than we got. The traffic is...
by reisner
Wed Oct 05, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Required to pay with Amazon gift card!
Replies: 11
Views: 915

Required to pay with Amazon gift card!

I found just the binoculars I wanted at Amazon. The best price by far was offered by a new independent vendor. I could not place the order through Amazon. I had to send him my name, address, and phone number. He said Amazon then would get in touch with me. They did not. He said they claimed they had...
by reisner
Wed Sep 21, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 37483

Re: The Bogleheads' "100 Things Worth Every Penny" List

I am struck by how modest and humane most responses are. The things named for the most part fall within middle-class desires. No pigs at the trough hereabouts. Relationships with people and pets are valued most highly, as are experiences like travel or attending events with loved ones. I got a boost...
by reisner
Tue Sep 20, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 37483

Re: The Bogleheads' "100 Things Worth Every Penny" List

Since someone mentioned Fiskars products, I should note that Tabor (Available on Amazon) has them beat every whichway for quality and design.
by reisner
Mon Sep 19, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 37483

Re: The Bogleheads' "100 Things Worth Every Penny" List

Many things that can be gotten at a discount on Sierra Trading Post or eBay and a few that cannot: Discount: Wool by Icebreaker, Scottish cashmere, New England Shirt Company, Viyella shirts, Creswick wool-alpaca blankets, linen dishtowels or bath towels, books for one cent on Amazon, Republic wirele...
by reisner
Wed Aug 03, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: To Lasik or not?
Replies: 34
Views: 2211

Re: To Lasik or not?

I passed on it because of changing eyesight. If I had had it, I would still need glasses because my nearsightedness has been halved over the years, and because I'd still need reading glasses. Also, wearing glasses has saved me from eye injury more than once.
by reisner
Thu Jul 28, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: taxes after permanent legal separation
Replies: 3
Views: 457

Re: taxes after permanent legal separation

Yhanks.

We will be legally separated. There will be a maintenance agreement. But I have been told by lawyers (maybe not the best source) that we can file jointly. If this is not the case we could always postpone the final date till after the new year.

Rob
by reisner
Thu Jul 28, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: taxes after permanent legal separation
Replies: 3
Views: 457

taxes after permanent legal separation

My wife and I are planning a permanent legal separation (not a divorce--she needs health care through me). She will stay in California, I will move to Virginia. Can we continue to file a joint return? If so, can we then file individual returns in two different states? We are going to see an accounta...
by reisner
Wed Jul 20, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 7548

Re: Another Too-Much-House Thread....

LifeEdited.com has reposted a study of how much space people actually use in a house and where that space is. Looks like a family of four uses maybe a third of their average three bedroom. You won't use all that space you're planning. Why not go Boglehead, green, and Moustachian and build a house of...
by reisner
Mon Jul 11, 2016 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 4471

Re: Do you have any retiree healthcare benefit from your employer?

CalPers: They pay for my Medicare premium, my full supplementary Blue Cross, my wife's Blue Cross (she's 56), our meds less small co-pays, $2000 of dental each per year. We added on some vision care for a small fee. A full knee replacement cost me a $5 co-pay for a painkiller that I never needed. Th...
by reisner
Thu Jul 07, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 3397

Re: A nice wrist watch under $1500

Shinola or Armourlite.
by reisner
Thu Jun 30, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 26663

Re: Where were you financially when you were at 30?

1975: Single Tenured Associate Professor, with full benefits and a salary of about $13K. Modest savings but a DBP that Ihave been drawing on now for over ten years. Three years into owning a very modest house in a very good San Diego neighborhood (Mission Hills) that I had paid off the second mortga...
by reisner
Fri Jun 24, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 11697

Re: International stocks in free fall

Looks like a lot of people (non-Bogleheads?) are doing something today, because the Vanguard website seems to have just crashed. Or at least I can't access it. I think the Brexit vote is no big deal, at least for long-term American investors, but I hate to waste a crisis so I bought $5000 of the Van...
by reisner
Sat May 07, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 16935

Re: how much cash do you carry in your wallet?

I like a very thin wallet, so forty dollars to start. When it drops toward ten, I replenish, which can take a week or so. My wife uses more cash, mainly when she can't get to Costco for gas or at farmers' markets. Sometimes I use the credit card just to avoid getting coins in change. (Real men don't...
by reisner
Mon Feb 22, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Do I need an awesome smartphone?
Replies: 73
Views: 5696

Re: Do I need an awesome smartphone?

My Motorola from Republic Wireless does everything I could want it to. The bill last month for the two of us--phone calls, texts, data--was $23 and some change. I don't think a Boglehead could do better.
by reisner
Tue Feb 16, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to save money and keep the house clean?
Replies: 48
Views: 6258

Re: How to save money and keep the house clean?

Oil of cinnamon or oil of lavendar or many other essential oils will severely discourage ants. A ine laid down with a Q-tip will do the job--it screws up the ants' own chemical trail. How many spiders or scorpions can there be to justify $600 worth of poison a year in your home? Most spiders are ben...
by reisner
Tue Feb 16, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 127
Views: 13880

All your portfolio in stocks!

[Thread merged into here, see below --admin LadyGeek] In today's New York Times David Levine argues cogently for a total or near-total stock portfolio. He cites Warren Buffett's 90% allocation, but does not discuss individual situations that might make this unwise. Any reactions, hopefully more inf...
by reisner
Mon Feb 15, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 17797

Re: Guns for hunting/defense

[quote="Trev H"]Avid hunter here... from a long family line of avid hunters.... and fishermen... Winchester 22 mag, bolt action. I bought this gun with Fur money when I was a teenager. It has a 3-9 scope. I have killed hundreds of squirrel and other varmits with it. Killed a possum with it...
by reisner
Tue Jan 19, 2016 12:49 am
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 7910

Re: Best place to live in CA for a young family

The Central Coast. Specifically, north of San Luis Obispo--Atascadero, Templeton, Santa Margarita, Paso Robles. This puts you a little inland, which reduces housing cost a lot. However, except for Santa Margarita, inland means very hot locations in the summer and fall. On the coast, Morro Bay might ...
by reisner
Wed Jan 13, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Insurance
Replies: 37
Views: 6072

Re: Amica Insurance

I have home, auto, and umbrella insurance through AARP and the Hartford. They have been great, and Amica's quote couldn't come close.

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