Search found 439 matches

by reisner
Sat Aug 31, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 2799

Re: Looking to buy a Patagonia jacket. Which are your favorites?

The down sweater. It is cozier around the neck than the hoodie.
by reisner
Fri Aug 23, 2019 9:29 am
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

And here I thought I knew everything. I do not know how much this will change our decision to sell some of the stock mutual fund. We are trying to protect some of the fund against what could be a greater than 16.5% drop in the market.
by reisner
Fri Aug 23, 2019 8:57 am
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

decapod10:

If I understand you correctly, if one spouse dies, then half the capital gains become a tax-free inheritance for the survivor. I had no idea that this was the case.
by reisner
Thu Aug 22, 2019 10:26 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

Wonderful insight here. She would get my full pension and SS if I predecease her, but I hadn't thought about passing on capital gains. On the other hand, and not to rouse the bad spirits of market timing, but this might not be a bad time to take some money off the table. Those capital gains are taxa...
by reisner
Thu Aug 22, 2019 8:39 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

Because of home improvements, vet bills, Lyme disease bills not covered by insurance, purchase of a trailer for cash, we have been spending the VG dividends and some gains. The balance has not gone down.But it could. All dividends go into the sweep fund, which is nearly empty at the moment. Do other...
by reisner
Thu Aug 22, 2019 8:07 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

OP here. Financial situation: 100K per year in DBP and SS. Wife will collet an additional SS of 14.5 K in 7 1/2 years. Terrific medical, drug, dental, and vision coverage. I have to pay almost nothing. She pays a 500 deductible and 10% copay; that will disappear when she turns 65 in 5 1/2 years. No ...
by reisner
Thu Aug 22, 2019 11:04 am
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

My accumulation phase is over, barring some unforeseen windfall. I am looking to protect more and risk less.
by reisner
Thu Aug 22, 2019 10:06 am
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

All our stock is in the taxable account. When I did the conversion to a Roth in 2009 I followed the accepted wisdom that as much bonds as possible should be in the tax-sheltered account. I wish now I had stuffed the Roth with equities.
by reisner
Wed Aug 21, 2019 11:43 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

Thanks. One other thing we did in 2009, since the market was near bottom and we were residenced for a year in New Hampshire,a no-state-tax state, was to convert our IRA to a Roth. So withdrawals are not a problem. About to turn 74, with our taxable money market and short term bond market funds down ...
by reisner
Wed Aug 21, 2019 2:50 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

Running 2018 taxes with added sales of 75K in mutual funds on a cost basis of 25K, I would pay an additional 12K in Federal and California taxes I would like not to pay the IRMAA surcharge. That kicks in at 170K of Medicare Adjusted Gross Income. Does anyone know if that is the same as the adjusted ...
by reisner
Wed Aug 21, 2019 2:02 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Re: Capital gains affect tax rate on ordinary income?

Thanks to all. I was not aware of the possible increase in Medicare Part B premiums (our drug coverage is part of the DBP) and amount of SS that is taxable. Right now I'm paying $134 a month for Medicare, and it looks like that could jump to $189.50. I will run last year's tax return with the additi...
by reisner
Wed Aug 21, 2019 12:44 pm
Forum: Personal Investments
Topic: Capital gains affect tax rate on ordinary income?
Replies: 28
Views: 2425

Capital gains affect tax rate on ordinary income?

We have decided on a change in our AA. Currently it is 60/40 (actually 62/38); I am 74, my wife 59, and we are living on my db pension, my SS, and Vanguard dividends, to the tune of $115K of ordinary income a year. Will sales of our stock fund that result in capital gains of, say 50K this year and 5...
by reisner
Thu Aug 08, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Best online retailer other than Amazon
Replies: 36
Views: 2096

Re: Best online retailer other than Amazon

eBay. Chewey for pet stuff.
by reisner
Thu Aug 01, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3257

Re: Personal Trainer for Physical Balance

But there are is a wide range of expertise out there. Shop around, by trial classes.
by reisner
Thu Aug 01, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3257

Re: Personal Trainer for Physical Balance

Take Tai Chi.
by reisner
Wed Jul 24, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Spotting scopes
Replies: 21
Views: 1420

Re: Spotting scopes

Am now on the brink of the Vortex Viper. For $899 they throw in for free the very Vortex tripod I would buy in any case. If I'm not satisfied, then I'll step up in price to the Nikon. I'm sure Swarovski, Leica, Kowa, et hoc genus omne are all better; but how much better, for three or more times the ...
by reisner
Wed Jul 24, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Spotting scopes
Replies: 21
Views: 1420

Spotting scopes

I think I have my first spotting scope purchase narrowed down to either the Vortex Diamondback 20-60 X 80 ($500 with a good Vortex tripod thrown in), or the Nikon Monarch Fieldscope 20-60 X 82 ($1600 and a tripod needed). I could afford either but don't like to spend more money if the cheaper will d...
by reisner
Fri Jul 12, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 28795

Re: Americans believe they need $1.7 million, on average, to retire

It ought to be a comfortable number for us, with a house paid off and SS coming in. But house, veterinary, and medical expenses not covered by our excellent insurance (some treatments for Lyme that aren't cheap) have pushed us over 67K. It doesn't matter because we have a pension as well as a Vangua...
by reisner
Fri Jun 28, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: trip to Greece (Athens and vicinity)
Replies: 21
Views: 1628

Re: trip to Greece (Athens and vicinity)

For background on travel to Greece, I can highly recommend (since I wrote it) "Travelers to an Antique Land: The History and Literature of Travel to Greece" by Robert Eisner (University of Michigan Press). Outside Athens, Greek public transportation is at the opposite end of efficiency from Switzerl...
by reisner
Sat Jun 22, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Wintering Over 2020
Replies: 14
Views: 1844

Re: Suggestions for Wintering Over 2020

Taos, NM

Patagonia, AZ
by reisner
Sun Jun 09, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2234

Re: Anyone recommend a cheap cell phone service for text and calls?

My wife and I have used Republic Wireless for the last four-five years. Phone, cell, internet, $44 a month for the two of us.
by reisner
Mon May 27, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2731

Re: Port Townsend-Pacific Northwest

I lived in Port Townsend for three and a half years, from 2005 to 2009--actually in Cape George, a "gated" (the gate was never closed) a couple of miles outside PT. It is a very attractive town; restaurants, bookstores and galleries, a wooden boat festival, a film festival, a major poetry publisher,...
by reisner
Wed May 22, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6522

Re: Delaying social security = harming nest egg?

The required size of the nest egg and the state of the market enter in here. When I turned my full retirement age, 66, in 2011, the market was certainly not back to its pre-recession numbers and our nest egg was lower than I wanted it to be. Rather than sell shares to live on, I preferred to take SS...
by reisner
Sat Mar 30, 2019 10:36 am
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 4097

Re: Age in Bonds?

I'm 73, my wife 59. We have only 39% in bonds. But: we can live on my pension and SS and dividends; our house is free and clear; we have medical and dental coverage along with the pension; in eight years, when my wife reaches 67, our SS will go up by half; and perhaps most importantly, the amount in...
by reisner
Mon Mar 25, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for an RV owned by a bank
Replies: 7
Views: 743

Re: Paying for an RV owned by a bank

I found the RV on RV Trader. The seller is a government employee at China Lake Naval Station. I would get the trailer and the seller would get my check all at once. He seems extraordinarily straight, but I still don't like having to wait out the transfer of papers. And how would the trailer be insur...
by reisner
Mon Mar 25, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for an RV owned by a bank
Replies: 7
Views: 743

Re: Paying for an RV owned by a bank

I am not sure there is a physical bank. If there is, it will be a hundred miles in one direction from my home, and the trailer is two hundred miles in a different direction.
by reisner
Mon Mar 25, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for an RV owned by a bank
Replies: 7
Views: 743

Paying for an RV owned by a bank

I want to buy this splendid used R-Pod trailer. Three years old, lightly used, not only well maintained but full of extras and improvements. The selling price is a payoff of the loan. The seller does not have the cash to do this and is relying on the buyer (me) to do it. That would mean; I give him ...
by reisner
Mon Mar 25, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3549

Re: Buying a Roadtrek

Well, the mention of an R-Pod sent us back to where we started, almost two years ago. Found a great, slightly used but much improved, one and are in the process of making the transfer. Complicated because, while the seller simply wants to pay off his loan, it's with the RV dealer's bank, and there w...
by reisner
Tue Mar 19, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3549

Re: Buying a Roadtrek

I am beginning to think that the advice to get an R-Pod is wise. Half the price of an Airstream Basecamp, loads of them around, a big support community. A few feet longer, but no heavier. Not as solid, but what the hell. Especially for a first-timer, bound to make mistakes, it is a cheaper mistake t...
by reisner
Tue Mar 19, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3549

Re: Buying a Roadtrek

I intuited the same.
by reisner
Tue Mar 19, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3549

Re: Buying a Roadtrek

Tibbetts: No, the reasons haven't changed--compactness, ease of backing up. But there were also counter reasons, not stated in the original post--lack of storage, bed space for two fifty-pound dogs, dislike of owning a third evhicle or changing to such a large second vehicle. Waffling is part of the...
by reisner
Mon Mar 18, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3549

Re: Buying a Roadtrek

OP here. Thanks to all for very helpful replies. We are once again considering a trailer. (No need to add a third vehicle to the household or else drive a big van as our second car. Additional space: even the smallest trailer has as much room as most Roadtrek-like vehicles, and then you still have a...
by reisner
Thu Mar 14, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3549

Buying a Roadtrek

We are new to the whole RV business, but desperate to jump in. We--man and wife and two 45 pound, older dogs--plan weeks-long National Parks trips from the CA Central Coast. We fell in love with a nearly new Roadtrek 190 Popular. but then wondered about the Zion. Storage is a big issue with all our ...
by reisner
Mon Mar 04, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9258

Re: Why do you live where you live?

The answer is a sequence, partly of choices, partly of happenstances, followed by speculations. 1. Born in Jersey City and raised there and in the Pine Barrens. Catholic grammar school, free prep school, full college scholarship. 2. Won a fellowship good at any school in the country and got as far a...
by reisner
Sat Feb 16, 2019 11:19 pm
Forum: Personal Consumer Issues
Topic: "good" binoculars for bird watching for eyeglasses wearer
Replies: 21
Views: 1629

Re: "good" binoculars for bird watching for eyeglasses wearer

The Bushnell's are a great value for the price range. You can easily step up into the 2K range, but well before that I recommend the Nikon Monarch 7 series, and I am happy owning a few from both. Binoculars are one object where I want multiples--upstairs, downstairs. cars.
by reisner
Fri Feb 01, 2019 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 11290

Re: Were you 100% debt free at retirement

Maybe it's all different in California. At my retirement we had about 17K left on the mortgage, a substantial sum in many parts of the country. But we were in La Jolla, a couple of minutes' walk from the beach, albeit in a cute but small and very funky cottage. Sold a few months later for 1.235 mill...
by reisner
Tue Jan 29, 2019 3:59 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 8379

Re: What did you learn from 2018 in the markets?

I learned not to bother rebalancing, especially in taxable.
by reisner
Sat Jan 26, 2019 11:37 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 74
Views: 13721

Re: Set it and forget it

Rick, You remind me of the only investing mistake I have made since joining Bogleheads. With stocks high as we worked through the year, I felt pressure to rebalance, and it was in taxable. I moved 20-30K into bonds and paid the capital gains tax. But the market eventually rebalanced for me and those...
by reisner
Mon Jan 21, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 14485

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

For a single reliable pair of shoes, probably leather: Danner makes some great ones, expensive but often on sale.
by reisner
Fri Dec 14, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20989

Re: Favorite Purchase of 2018?

Either my Honda Ridgeline truck or my handmade belts from Clintonville Leather.
by reisner
Thu Dec 13, 2018 10:32 pm
Forum: Personal Investments
Topic: Allocation when cost of living expenses covered
Replies: 23
Views: 1542

Re: Allocation when cost of living expenses covered

A couple of months ago I opened a related thread, the answers to which might help you. Me 73, wife 58, Pension and SS should support us. But we have had some exceptional veterinary and medical expenses outside of our great insurance, and so have had to use the yearly dividends from our investments. ...
by reisner
Wed Dec 05, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 14749

Re: Murder Mystery Authors

Kate Atkinson
by reisner
Fri Nov 09, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 2074

Re: Updating Microsoft Word

Well, then, if I needed to paste, I suppose I could save that pdf into rich text.
by reisner
Fri Nov 09, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 2074

Re: Updating Microsoft Word

I am saving everything in pdf. Should I also save in rich text format?
by reisner
Thu Nov 08, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 2074

Re: Updating Microsoft Word

Thanks for all the helpful responses. I will try as many as I can. And any thoughts on whther the top iPad can replace MacBook Air for a writer (and non-games-player)?

All the best,
Rob
by reisner
Wed Nov 07, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 2074

Updating Microsoft Word

I have written and published a lot (classical scholarship, travel, myth, book reviews, fiction), although not much recently. Nevertheless, I have a large data file of documents in Microsoft Word that I am pushing with agents and publishers and that I fear might become inaccessible via updates of one...
by reisner
Mon Oct 22, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 27294

Re: PSA: Don't buy a big house

My guess is that many of those Mcmansions will be split up into multi-family apartments and condos in a few decades. Just like the enormous old Victorians in older parts of the country.
by reisner
Thu Oct 04, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2888

Re: Carry On Luggage Recommendations

Travelpro for wheelie bags. But I would avoid the four swivel wheels unless you are in training for some kitschy Olympic event, on ice, in toutous, that hasn't been established yet. (Real men don't carry change and they don't tug swivels bags behind them or anywhere else. Real women neither. Think o...
by reisner
Sun Aug 26, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 5254

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: 2423

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.