Search found 303 matches

by reisner
Wed Jul 20, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 6542

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: 3664

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: 2858

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: 218
Views: 21297

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: 10453

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: 14557

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: 5080

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: 5822

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: 102
Views: 9366

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: 14122

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: 7123

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: 5525

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.
by reisner
Mon Jan 04, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 5653

Re: Job Prospects for English Majors?

Why not major in English but minor in something like Economics. The reasoning skills of an English or any other humanities major are hard to duplicate in the so-called practical majors. I know many English and classics majors who went on to jobs in the real world, where they were lionized for their ...
by reisner
Mon Jan 04, 2016 12:32 am
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 5799

Re: How do you have fun?

This might be the best question ever asked on Bogleheads. I mean, most of us here are secure enough, so then what do we want except to have fun, which includes just moseying curiously through the day, making our souls ( to use an old fashioned and not necessarily religious terminology), and playing ...
by reisner
Mon Dec 28, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Article on retirement withdrawal strategy
Replies: 81
Views: 7565

Re: Article on retirement withdrawal strategy

My practice has been to withdraw, when needed, from the taxable fund with the lowest capital gains, while leaving my Roth untouched. (I'm 70 and have a DB pension and SS.). This has also fit perfectly with my rebalancing from 65/35 to 55/45 and my desire to get out of international. I will have to r...
by reisner
Wed Nov 18, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Are individual stocks really a bad idea?
Replies: 55
Views: 7474

Re: Are individual stocks really a bad idea?

My next door neighbor, a top-notch accountant and retired CFO of a mid-sized company, owns one health mutual fund and four stocks: Apple, Disney, UnderArmor, and something I forget. And that's it, no bonds or CDs or real estate except his home. He brags that he has averaged 14% a year for the last f...
by reisner
Wed Oct 21, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Disappearing account on Vanguard
Replies: 19
Views: 2275

Disappearing account on Vanguard

Has anyone else had this happen, and is there reason to be concerned about Vanguard's security? I don't usually check my accounts this often, but I did so both last Friday and this Monday. Over the weekend my taxable account disappeared, leaving only my smaller IRA online. I called Vanguard of cours...
by reisner
Sun Oct 11, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 5476

Re: SUV recommendation

Six years ago we bought a 2001 Toyota Sequoia with 45K miles on it for $14,700. It cost over 50K new. I shopped for an older model but with low mileage. The car has been a brick. It has crossed the country 4 times,now has 135K on it, and will probably run to 300K. It gets 20 mpg on the highway, burn...
by reisner
Sun Oct 11, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Something's wrong (and right) when the index is on top
Replies: 6
Views: 1379

Re: Something's wrong (and right) when the index is on top

Another article in the same report cites little-recognized risk associated with index funds: if a stock is part of a major index, its price is automatically inflated because of the prestige associated with inclusion. Is this really true? And in any case do we avoid this inflation factor by buying, s...
by reisner
Thu Oct 01, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: Another Yellowstone Question
Replies: 15
Views: 1655

Another Yellowstone Question

We were unable to put together an October trip to Yellowstone and the Grand Tetons. We are now trying to plan a January trip (excursions into the park on Yellowstone Alpen Guides bombardier snowcoaches). Coming from California, we have some concerns about flying in wintertime into Idaho Falls or Mis...
by reisner
Wed Sep 30, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Martial arts for beginner adults
Replies: 45
Views: 3753

Re: Martial arts for beginner adults

Another vote for Tai Chi. I have been doing it for five years and am devoted. It can be a real workout, or not. I like working entirely on my feet, not going to the floor--something to consider. My instructor--the best teacher of anything I have ever encountered, does not teach it as martial, but he...
by reisner
Fri Sep 18, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: How late to visit Yellowstone?
Replies: 22
Views: 2421

How late to visit Yellowstone?

In early September we made a sudden and all too brief visit to the Grand Tetons and Yellowstone. We don't want to wait for spring to go back. Is a week from October 15 on too late to go because of the chance of being snowed out? We want to spend most time in the Tetons, but also make it over to the ...
by reisner
Fri Sep 04, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 15554

Re: Best Small Purchases (Around the house)

The dogs--Dutch Shepherd, Llewellin English setter. My internet radio.
by reisner
Sun Aug 30, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 53
Views: 7159

Re: I need a classic men's black dress belt

Brooks Brothers, like Abercrombie and Fitch, ain't what it used to be.
by reisner
Sat Aug 29, 2015 5:48 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 53
Views: 7159

Re: I need a classic men's black dress belt

One Star Leather: onestarleathergoods.com/‎

or Narragansett Leathers: www.narragansettleathers.com/

Neither makes really dressy belts, but theirs will last you twenty years.
by reisner
Sat Aug 08, 2015 2:56 pm
Forum: Investing - Theory, News & General
Topic: What Did You Do In The 2008/2009 Stock Market Crash?
Replies: 51
Views: 4739

Re: What Did You Do In The 2008/2009 Stock Market Crash?

I was a relatively new investor of some profits from selling a house at the top of the market in a hot area. I was not in quite the mutual funds I wanted to be and took advantage of the crisis to move sideways--sell what I had and but what I wanted--and at the same time to take a significant tax los...
by reisner
Fri Jul 31, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Costco for hearing aids
Replies: 13
Views: 1613

Re: Costco for hearing aids

The local audiologist wanted 6K for hearing aids no better than the ones I bought for 2900 at Costco, which also come with a charger for rechargable batteries and a far better guarantee as well as a two-year guarantee against loss. The service was excellent.
by reisner
Thu Jul 23, 2015 11:07 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 17513

Re: Downsize, Reduce, Simplify.

Caitlin Flanagan's wonderful book "Flanagan's Smart Home" comes at this from the other direction--what is the minimum I need to make a home. She comes up with 98 items. Adding a few and subtracting a few I come up with about the same. Of course one then has to address clothing, books, cds,...
by reisner
Wed Jul 22, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 8861

Re: Why did you take SS at FRA instead of delaying until 70?

About to turn 70 in September, I took SS at 66. I retired a bit early and supplemented the pension with theoretically bad investments (Fidelity Latin America and Canada) that for several years were going up 45%. Then the recession hit. After moving all funds to Vanguard when the tax hit was minimize...
by reisner
Thu Jul 09, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 16185

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

Since I was in CalPers, owned a tiny home in La Jolla, and couldn't wait to retire and get out of S.Cal--I spent a lot of time calculating and recalculating my pension (got it right to the dollar), staring at my yearly SS statement, and waiting in worsening traffic till the numbers spelled freedom. ...
by reisner
Tue Jun 30, 2015 12:39 am
Forum: Investing - Help with Personal Investments
Topic: What stocks have you been buying recently and why? Or are you holding off on buying until Greek crisis settles?
Replies: 21
Views: 2450

Re: What stocks have you been buying recently and why? Or are you holding off on buying until Greek crisis settles?

The other day we had balanced to 53/47 after reaching "our number." If the Greece crisis should put that balance out of whack, we will rebalance into it--once we are far enough off course. In other words, once it seems like mutual funds, foreign or domestic, are something of a bargain then...
by reisner
Fri Jun 19, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 15406

Re: The "4% Rule" revisited

4% is a rule of thumb that can present a psychological obstacle. Since my starting SS at age 66--I also have a good DB pension and supplementary medical, drugs, and dental--we have not withdrawn the total dividends for each year, which total about 2% of the balance. We live very nicely; I suppose we...
by reisner
Mon Jun 01, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market in SoCal
Replies: 55
Views: 6611

Re: Housing Market in SoCal

San Diego real estate has been volatile, as well as ahead of the rest of the nation in bubbles and busts. Personal data. I bought my first house in the Mission Hills neighborhood in June 1973 for 33K. Sold it three and a half years later for 55.5K and bought a 900 ft beach shack in la Jolla for 66.5...
by reisner
Sat May 23, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 3537

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: 3193

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: 8039

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: 3538

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: 3608

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: 5333

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: 589

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: 16358

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: 1330

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: 159
Views: 14122

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: 123
Views: 13436

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: 123
Views: 13436

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: 123
Views: 13436

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: 159
Views: 14122

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: 87725

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: 912

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: 1836

Re: Favorite Dishes?

Denby, made in England.

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