Search found 391 matches

by reisner
Sun Aug 26, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3426

Re: Best ultra thin pocket knife?

Why ultra thin for so important a part of your edc? I use my knife many, many times a day, and I'm a retired professor. I like my Great eastern Cutlery #56 Bird dog with a single spear blade, 1095 steel, and stag handles. A tad over two ounces.
by reisner
Tue Aug 21, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2126

Re: Another approach to bonds

My pension will not be reduced a dime for my wife if I die. She would lose SS until she turned 67. But we own the house clear, have no other debts, and other than vet bills and the occasional trip, don't spend wildly.
by reisner
Mon Aug 20, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2126

Re: Another approach to bonds

IT Bond Index and IT Investment Grade, which I am slowly moving to IT Index because of the uncertainty about current corporate debt and also to do a little tax loss harvesting.
by reisner
Mon Aug 20, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2126

Re: Another approach to bonds

And if you live in, say, California, add another 9% or so in tax to that bill. Capital gains being taxed as ordinary income.
by reisner
Mon Aug 20, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2126

Re: Another approach to bonds

I was thinking along those lines of years of expenses vs. bonds. Even discounting dividends, our bond allocation covers 15 to 20 years of expenses at our current rate. And in eight and a half years my wife's additional share of my SS will more than cover that. Yes, why am I bothering to ask this que...
by reisner
Mon Aug 20, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2126

Re: Another approach to bonds

Thanks, Chevca and Dratkinson. Yes, why not do what's easiest? The stock fund is all in taxable anyway. Although we have no children, my wife is fifteen years younger than me, 72. And somehow living in states without income tax, Washington and New Hampshire, has made me reluctant to add a 9% califor...
by reisner
Mon Aug 20, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Another approach to bonds
Replies: 20
Views: 2126

Another approach to bonds

I've tried rebalancing, but I live in a high-tax state and selling the total stock fund to buy IT bonds gets expensive. (I sold all my S&P fund in 2009, tax-loss harvested, and bought right back into the Total Stock Market fund, so my capital gains in stock have been appreciable.) I've tried to main...
by reisner
Thu Jul 26, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Medical records breach
Replies: 21
Views: 2020

Re: Medical records breach

Thanks, everyone. Either a random call or identity theft. I never give random callers anything but a curse; I took this call only to get a company name out of them, for whatever that was worth. These callers should be distinguished from my physician pain specialist, who is superb and served the Wash...
by reisner
Thu Jul 26, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Medical records breach
Replies: 21
Views: 2020

Medical records breach

A couple of months ago I had back trouble: chiropractor, emergency room, and finally a pain specialist. Exercise and the occasional pill now keep me in fine fettle. Lately however,I have been getting a recorded call that says "they" have received a notice that I have chronic back pain and may be eli...
by reisner
Thu Jul 12, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting from Intermediate to Short-term Bonds
Replies: 11
Views: 1701

Shifting from Intermediate to Short-term Bonds

I am weighted 60/40, with the bonds portion mostly in Intermediate Index and Investment Grade, with a small holding in Short Term. About a third of the bonds make up my Roth account--traditionally a good place for bonds, but not these days. In the last couple of years Short Term has not lost as much...
by reisner
Mon Jul 02, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16098

Re: Retirement Destination - are you happy with your choice?

I noticed that Asheville is one of the few places in the country where you can find a beautiful,smaller home--1000-1500 sq ft, with quality materials, workmanship, and some individuality.
by reisner
Tue Jun 19, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 58
Views: 9599

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

Try Clintonville Leather on Etsy. It will never wear out.
by reisner
Mon Jun 11, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18186

Re: Top Shelf Liquor Overrated?

On a NYT martini test, Hendricks came in first and Seagrams second; they never addressed what a good vermouth, like Dolin or Boissiere, can do for the drink. I prefer Jim Beam to Maker's Mark and to many Irish labels. Dewar's is a fine everyday Scotch. I find the Highland malts overrated, but after ...
by reisner
Sat May 12, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 6070

Re: Advice on building a timeless mens wardrobe?

Afan, I believe in not buying junk, made in a sweatshop, and replacing it every few years. I don't have the money to be a wasteful consumer, nor do I buy the costly short-lived gadgets stacked up in Costco. Nor fancy wheels for a fancy SUV. If buying something made by a craftsman, in America for a l...
by reisner
Sat May 12, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 6070

Re: Advice on building a timeless mens wardrobe?

Given that most of us wind up wearing casual or semi-casual shoes most of the time, to my thinking focus falls on the belt. Almost every man wears crap from a department store, even Nordstrom. Try Narragansett Leather on the low end ($60) or for the very best Clintonville Leather on the high end ($1...
by reisner
Thu May 10, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1721

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

Ruffwear stuff is great.

How birdie is your bird dog? If very, then you need a harness or a bridle or she will pull you off your feet. Evidence: my 44 lb. Llewellin English setter.
by reisner
Wed Feb 28, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 92
Views: 9511

Re: Can we afford to stay in HCOL area?

Quality of life comes in here. Granted the Bay area has a lot to offer. But life there is also crazy--HCOL, traffic, a buzz that never stops. Can your body and soul afford to live there? That's at least as important a question as any financial one.
by reisner
Sat Feb 24, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4383

Re: I week in California, Road Trip Planning

Jermbo wrote: Continuing up highway 1 will take you near Hearst castle, some other small beach towns like cayucos. Highway 1 also winds around on a cliff so driving is a bit slower than highway 101. One side is mountains and rock, other is the Pacific ocean. It's amazing! Lastly, if you continue up ...
by reisner
Fri Feb 09, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7510

Re: Live / work in California - Technology Career

So much of coastal CA has terrible traffic. The Central Coast is not so bad but getting there. Figure 8K for a house, or more, 2.5K for an apartment or small house. I have done well in California, starting out in the late sixties, but I'd never be able to make it now. I had 30 years in La Jolla and ...
by reisner
Sun Jan 28, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 5658

Re: Does anyone not rebalance?

Retired, age 72, wife 57. CalPers pension and SS are usually enough to live on, except for unusual vet bills, home improvement, or extra-insurance med expenses (Lyme disease). House in coastal California paid for. A few years ago we had crept up from 60/40 to 70/30. But as we passed a certain number...
by reisner
Sat Dec 23, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Where to stay - Venice & Rome
Replies: 21
Views: 1621

Re: Where to stay - Venice & Rome

In Venice, I woud stay in the Giudecca, the island across the Grand Canal from St. Mark's. It is cheaper, quieter, and with more local hangouts than the more touristy parts. Until sunset you can catch a draghetto, a retired gondola propelled by an apprentice gondolier, from near St. Mark's to Santa ...
by reisner
Sun Nov 19, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 18943

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I am the child of a child of the Great Depression. I only buy what I need or really, really want. Credit cards save me money with rebates and are there for emergencies. I use them most of the time instead of cash because I hate getting coins in change. Real men don't carry change.
by reisner
Sat Nov 04, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 19081

Re: What was the main reason you retired?

Full professor at San Diego State, a job many would die for. But after 35 years I was tired of hearing the sound of my own voice. Teaching in the College of Arts and letters was mostly assembly-line work, GE courses for uninterested majors from other colleges. I always disliked San Diego, but no job...
by reisner
Mon Oct 09, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 19224

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: 5004

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: 7243

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: 7391

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: 12655

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: 4204

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: 1572

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: 1572

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: 1572

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: 2067

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: 4431

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: 4431

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: 12793

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: 12793

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: 12793

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: 326
Views: 57713

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: 1821

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: 1719

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: 1719

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: 7120

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: 3275

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: 14974

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: 306
Views: 39945

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: 306
Views: 39945

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: 5601

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: 5601

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: 52315

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...