Search found 450 matches

by rixer
Fri Feb 05, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2490

Re: Where to Stay in San Francisco?

We like the Union Sq district and staying at the smaller boutique hotels. Getting around is best without a car because Sf has a fine transit system. Be sure to go to North Beach and see Beach Blanket Babylon. It's not to be missed in my opinion. The Tonga Bar in the Fairmont is also fun if you want ...
by rixer
Fri Feb 05, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 64
Views: 5384

Re: Anyone travel without hacking?

I just use my costco amex when I travel and take the rewards when they distribute.
by rixer
Thu Feb 04, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 799

Re: Suggested AA for Retirees

I'm in somewhat the same situation. I chose to be 40/60 and will likely stay there.
by rixer
Wed Feb 03, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6395

Re: What age did you retire

Retired at 64.
by rixer
Tue Feb 02, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273640

Re: What Movie Have You Recently Watched?

We watched "Reasonable Doubt" last. It's about a prosecuter who goes out drinking one night and runs over a man in the street. They arrest another guy (Samual Jackson)for the murder and the prosecuter has the job of trying this guy for the crime he has committed. It's on Netflix and a good...
by rixer
Sat Jan 30, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: 3 Years to Obsolescence - SONY Blu-Ray YouTube App
Replies: 22
Views: 2714

Re: 3 Years to Obsolescence - SONY Blu-Ray YouTube App

Does anybody use one of those android tv boxes? I see them on Amazon and even at a Home Show here in town. They claim they receive everything that's streamed and there's no charge except for the one time purchase of the box, which is from $40-$130 depending on brand. There is also a brouser on them....
by rixer
Fri Jan 29, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2328

Re: Buying Carpet and Painting

The main problem with the big box stores is the installation. They contract out the labor and those contractors sub it out to installers at low rates. In order for the subs to make decent money, they must work fast and that means cutting corners in most cases.
It doesn't always end well.
by rixer
Thu Jan 28, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Question about the timing of SS filing
Replies: 9
Views: 866

Re: Question about the timing of SS filing

One thing I didn't count on was that besides having to wait a month, if your birthdays are near the end of the month, your benefit will come on the 4th Wed of the month. So you may actually have to wait 2 months to get your first check.
by rixer
Mon Jan 25, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 207
Views: 10550

Re: Do you pay for exercise?

We belong to Crunch Gym. It's $9.95 mth. I don't have room in the house for gym equipment. I used to walk in the neighborhood but sometimes it's just too cold or raining to be outside. The gym is right down the street and I can go enjoy all the different exercise equipment. I don't have to worry abo...
by rixer
Sat Jan 23, 2016 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Plan Update
Replies: 9
Views: 594

Re: Plan Update

We have just put everything in one fund for both simplicity and the fact that it has better performance than my slice and dice was getting. We're using Lifestrategy Conservative Growth (40/60) but as someone else said, it's not just one fund. It's a collection of 4 low cost index funds that cover th...
by rixer
Wed Jan 20, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about retirement
Replies: 7
Views: 843

Re: Thinking about retirement

A simple low cost balanced fund like Lifestrategy Conservative Growth (VSCGX) might work well for you. It's 40/60 and .15 expense.
by rixer
Wed Jan 20, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2363

Re: Best place to live in CA for a retiree

I would say anywhere near Sacramento would work. The weather is warm, there are plenty of things to do and home prices are below the state medium.
by rixer
Mon Jan 18, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Wedding anniversary in Maui
Replies: 24
Views: 2205

Re: Wedding anniversary in Maui

The road to Hana shouldn't be missed. It's a ride through this beautiful rain forest with waterfalls and rainbows. Be sure to go just past Hana to the Seven Sacred Pools and swim there so you can say you did it. :happy
by rixer
Mon Jan 18, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4076

Re: Pizza Stone / Homemade Pizza Advice

Here's how we do it. We get a pack of frozen cheese pizza's from Costco. Then we slice up pepperoni, mushrooms and whatever else we want or have available to load upon top of the frozen cheese pizza. Next, I place it in the Traeger smoker/grill on high for about 15 minutes and viola! It's Pizza Time...
by rixer
Wed Jan 13, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How do I start budgeting?
Replies: 28
Views: 2086

Re: How do I start budgeting?

I never used a budget. I just figured out how much I wanted to save and deposited that percentage to savings at each deposit.

Then I just lived on what was left over. Simple but it worked for us.
by rixer
Wed Jan 13, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273640

Re: What Movie Have You Recently Watched?

Star Wars
Antman
by rixer
Wed Jan 13, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5784

Re: Retired Bogleheads -- How much did you spend last year?

2015 was the first year the wife and I were both retired all year. I was curious to know exactly how much we spent last year too. We really didn't budget anything, we just spent what we thought was appropriate. We live in Ca and property taxes are low because of prop 13 (about ($2,100), the home is ...
by rixer
Wed Jan 13, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: Is H&R Block any good? Who do you use?
Replies: 17
Views: 941

Re: Is H&R Block any good? Who do you use?

HR Block? You would do just as good having the IRS fill out your tax forms for free.....
by rixer
Wed Jan 13, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1241

Re: Where to open up a low balance retirement account?

I second Schwab also plus their website and customer service is outstanding.
by rixer
Sun Jan 10, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Warm vacation in January.
Replies: 20
Views: 2269

Re: Warm vacation in January.

Hawaii would be warm.
by rixer
Sat Jan 09, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6203

Re: Netflix, Your Current Favorite Show

We watch a lot on Netflix. Here's some we like/liked.

Person of Interest
White Collar
Burn Notice
Real Rob
Property Brothers
Flip or Flop
Fixer Upper
Transporter
Royal Pains
by rixer
Sat Jan 02, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6335

Re: How did your retirement Portfolio do in 2015?

livesoft wrote:@rixer, Isn't LS Conservative growth 40/60?



Yes it is. Thank you for pointing that out livesoft. I'll go back and change it. :oops:
by rixer
Sat Jan 02, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6335

Re: How did your retirement Portfolio do in 2015?

It now looks like I was -0.61
I converted everything over to Lifestrategy Conservative growth midway in the year. 40/60
by rixer
Thu Dec 24, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 12127

Re: Biggest lucky break in your personal finances?

I didn't have any lucky breaks that really made a difference. What little I have is from baby steps all the way. I worked hard, contributed to my ira regularly, paid off my debts and retired.
by rixer
Wed Dec 23, 2015 9:58 am
Forum: Investing - Theory, News & General
Topic: Share your current asset allocation?
Replies: 94
Views: 5960

Re: Share your current asset allocation?

67 and retired.
Lifestrategy Conservative Growth Fund 100% (40/60)
by rixer
Wed Dec 09, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Hoping for a rate increase this month...
Replies: 8
Views: 1349

Re: Hoping for a rate increase this month...

I just hope I can finally earn some income.
by rixer
Tue Dec 08, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 154
Views: 30398

Re: If you could have only one fund, what would it be?

I only have one fund. Lifestrategy conservative growth. LSCGX
by rixer
Thu Dec 03, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 169988

Re: TV show recommendations?

We like..
Expedition Unknown
Gold Rush
The Last Man on Earth
by rixer
Sun Nov 22, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Any Bogleheads Not Staying the Course
Replies: 98
Views: 9866

Re: Any Bogleheads Not Staying the Course

I've had trouble staying the course in the past. I've since put it in a Lifestrategy Fund and it makes it easier.
by rixer
Thu Nov 05, 2015 2:04 am
Forum: Investing - Theory, News & General
Topic: Simple and Interesting Personal Finance and Investing Primer
Replies: 10
Views: 994

Re: Simple and Interesting Personal Finance and Investing Primer

Maybe she would be better off with a balanced fund. It would make it much easier for her and the results should be acceptable. This would take the pressure off of her.
by rixer
Thu Oct 29, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Recommendations on places to stay in or around Yosemite
Replies: 10
Views: 806

Re: Recommendations on places to stay in or around Yosemite

We stay at Camp Curry in the tent cabins. They have heated tent cabins with in room safes and a lockable bear proof container for food stuff just outside your tent. Staying at Camp Curry costs somewhere around $130 per night. You don't need your car as there is a shuttle stop at curry to take you an...
by rixer
Mon Oct 26, 2015 8:48 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111066

Re: What are you up YTD? [Year To Date]

I am up 1.16%
by rixer
Sat Oct 24, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: 401k - how often do you check it?
Replies: 53
Views: 3725

Re: 401k - how often do you check it?

Age 67. I check it every day. I have no reason to really, it's all in a lifestrategy fund that balances itself. I don't have anything to do but decide when or how much I want to withdraw and I haven't even done that yet. At any rate, it's difficult for me not to just click in and take a look when I'...
by rixer
Wed Oct 21, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Smartphone for pictures
Replies: 28
Views: 1941

Re: Smartphone for pictures

Though it's out of the $200 range, I have a Galaxy 5 that takes some pretty amazing pictures and hi def video. It also takes great pictures inside without using the flash so in museums where you can't use flash photo's, this will work fine. On a trip to DC last month we left the digital camera at ho...
by rixer
Mon Oct 19, 2015 7:55 am
Forum: Investing - Theory, News & General
Topic: Retirees doing 50/50
Replies: 35
Views: 4669

Re: Retirees doing 50/50

I retired 2 years ago. I have always been somewhat fearful and have invested conservatively at 40/60 on the way up. Looking back I wish I would have been a little more aggressive but to be honest, 40/60 is my comfort zone. I'll likely remain here forever so I put it all in Lifestrategy CG.
by rixer
Thu Oct 08, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Travel ideas early November
Replies: 21
Views: 1833

Re: Travel ideas early November

Endorse Hawaii, we are headed there for two weeks on October 20, mostly on Kauai. Hiking, beach, activities to suit most anyone active. With the right scrutiny, condos are available for about $1000 for the week. $1000 for the week :shock: That's a great rate. Where are they? I just rented a great 1...
by rixer
Wed Oct 07, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Travel ideas early November
Replies: 21
Views: 1833

Re: Travel ideas early November

Kona, Hawaii in November can be nice..
by rixer
Tue Sep 22, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Best Bond Funds for Retirees
Replies: 26
Views: 3543

Re: Safe Bond Fund(s) for Retiree IRAs?

I'm just curious why you jumped from Schwab to Vanguard if you didn't know the answer to these questions beforhand.
by rixer
Mon Sep 14, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: People who are tapping their retirement savings for living expenses need bonds
Replies: 32
Views: 2706

Re: People who are tapping their retirement savings for living expenses need bonds

Why 20 years? Most of the retirement studies use 30 years for their results? Early retirees need even longer, and younger investors may have a longer life expectancy and need a longer timeframe as well. I'm using 20 years. At 67, 20 years seems appropriate. The chances of me living longer than 87 i...
by rixer
Mon Sep 14, 2015 7:52 am
Forum: Investing - Theory, News & General
Topic: Which asset do you liquidate in retirement?
Replies: 9
Views: 1119

Re: Which asset do you liquidate in retirement?

I'm retired but I have yet to withdraw anything from retirement accounts. Since most everything is in balanced funds (Lifestrategy Con. Growth), it will balance automatically. My plan is to start taking cap gains and dividends first and along with SS it covers my expenses. Before I must take RMD's, ...
by rixer
Sun Sep 13, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: Anyone ever used Costco Travel service ?
Replies: 17
Views: 2350

Re: Anyone ever used Costco Travel service ?

We just booked a rental car from Costco Travel for our upcoming trip to Kona. Good price and they give you the 2nd driver free.
by rixer
Sun Sep 13, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273640

Re: What Movie Have You Recently Watched?

The Age of Adaline.
Not the kind of movie I'd pick but the wife rented it and it was very good.
by rixer
Sun Sep 13, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: When Do People Actually Claim Social Security?
Replies: 105
Views: 6995

Re: When Do People Actually Claim Social Security?

I'm retired, 67 and am still delaying. The wife took hers at 63 and I filed restricted application on her benefit. I'll likely delay mine until 70 but if things go south, I might file sooner. I like the fact that I can opt to take it anytime I choose at this point.
by rixer
Fri Sep 11, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Building confidence to rebalance by myself
Replies: 5
Views: 505

Re: Building confidence to rebalance by myself

It was about 7 years in I decided to drop my Adviser and move to Schwab. I learned a lot from their very customer friendly website and of course right here. My old adviser wasn't looking after my best interests, he was selling me what was making HIM money. As far as your adviser, he might be giving ...
by rixer
Thu Sep 10, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: Why Your Safe Withdrawal Rate is Probably Wrong
Replies: 123
Views: 12804

Re: Why Your Safe Withdrawal Rate is Probably Wrong

Well that's refreshing, I'd like to believe it.
by rixer
Wed Sep 09, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Help! Wife and I don't know what to do with our money!!
Replies: 64
Views: 8227

Re: Help! Wife and I don't know what to do with our money!!

Maybe I read it wrong but I thought the OP would receive the inheiritance in 2 years. So he already has time to wait and decide.
by rixer
Tue Sep 01, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2680
Views: 532377

Re: U.S. stocks in freefall

Of course. I just made a sizable purchase yesterday.. :oops:
by rixer
Sun Aug 30, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6735

Re: If stocks dropped 30% next Monday, would you rebalance?

Since I'm in Lifestrategy, it would rebalance itself. I guess it could be a bad thing if we're in a long downturn. I hope not.
by rixer
Mon Aug 17, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Sacramento Real Estate Market
Replies: 14
Views: 1488

Re: Sacramento Real Estate Market

Arden Park area is very nice. It's an established neighborhood and big mature yards. It's located between Arden, Watt, Fair Oaks and Eastern avenues.

https://www.google.com/maps/@38.586373, ... 5549,14.5z

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