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Re: What video games are you currently playing?

I'm in my mid-forties and hadn't played video games since PacMan. But the kids at work got me to try PC games -- it's fun! There is a stigma that you are wasting time, but I don't know why this holds for video games and not books or movies. :confused I realized I was missing out on a huge slice of m...
by McCharley
Wed Feb 18, 2015 8:45 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 155
Views: 8183

Re: Am I a mess?

Hey OMG, Welcome to Bogleheads! :beer You in fact are (aside from the car loan :annoyed ) quite aligned with the folks here. You are spending way less than you are earning, and you are saving money. Well done! :sharebeer The main idea here is to patiently pile up savings in highly diversified, low c...
by McCharley
Tue Feb 10, 2015 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 30
Views: 3252

Re: Frugality regret: What thing do you regret not spending

Well, like some of these other folks I went to Venice and did NOT do a gondola. It was over $100 which was a lot for me then, plus it was SO TOURISTY. :annoyed I don't regret this. Walking around the non-tourist areas is magical. Venice is like Dr. Seuss realized. On the same topic: Every cheap tool...
by McCharley
Fri Jan 30, 2015 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 133
Views: 21733

Re: Interview question...salary

It'll be a vacation day well spent. :beer Interviewing at pathetic companies is one of the best ways to make your current job (or unemployment) seem better. It is best to leave the salary to the end. If they really want you they'll figure it out -- they'll not be able to get anyone comparable for mu...
by McCharley
Wed Jan 28, 2015 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3611

Re: Young Couple Need Advice

A car with that many miles on it is dangerous. :shock: Buy a used Camry for $6k and get rid of that car! Beware of the physician money trap. I have heard it asserted by money managers that physicians tend to spend all their money once they graduate -- all those years of sacrifice and deprivation mak...
by McCharley
Thu Jan 22, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2174

Re: What age did you hit $100,000?

The real mental break for me came when my savings started to give more to itself than I could through working. :greedy All of a sudden it went from saving to building wealth. Of course, the market could crash and test my mettle. :annoyed I think for most people this happens at about $350k savings. :...
by McCharley
Wed Jan 21, 2015 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6027

Re: Getting deposed -- do I need to hire my own lawyer?

Thanks for all the helpful replies! :beer Without going into too many specifics, is this a possible scenario: 1) Sued company finds me a useful witness. :D 2) Sued company pays me to testify against my original company. :greedy 3) My original company sues me. :shock: I do have a departure agreement ...
by McCharley
Sat Jan 17, 2015 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4574

Getting deposed -- do I need to hire my own lawyer?

The company that laid me off three years ago has initiated legal action against one of their competitors. I got a call from the company that laid me off saying that they would provide a lawyer if I wanted one, as they expected the sued company to try to get depositions from people on the patents. Th...
by McCharley
Thu Jan 15, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4574

Re: cat water fountain

We use a fishtank backpack filter on a large bowl for our three cats.

It has a "waterfall" at the filter and a lot of relatively still water, which I think they like.
by McCharley
Sun Jan 11, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4750

Re: Rental Car Driver Not Authorized

The next layer of this is: who ends up paying? As far as I see, here are the levels of insurance, in decreasing order of potential responsibility: Rental company eats it or has insurance Credit card insures Renter's wife's auto policy covers Renter's auto policy covers Umbrella insurance covers Rent...
by McCharley
Sun Jan 11, 2015 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3345

Re: Mice in the house

I am the OP. Thanks everyone. You guys have convinced me that the glue traps are grotesque. I won't use them. There were no mouse noises last night. I think there was probably just that one mouse that got in the house and the cat killed it and that is the end of the problem. If we have more mice I ...
by McCharley
Sun Jan 11, 2015 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Re: Mice in the house

I have three cats and still have to deal with an occasional rat. :annoyed Sometimes the cats even do catch (outdoors) and release (indoors). :| They are pretty good at keeping them at bay in areas they can get to, but death by cat is a drawn-out horror. If we get one in the basement or attic I set a...
by McCharley
Sun Jan 11, 2015 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Re: Rental Car Driver Not Authorized

I have rented in a few cases where spouses were automatically added.

Others have required paying a fee.
by McCharley
Sun Jan 11, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3345

Re: Buffett quote of the day: Market is a "Drunken Psycho"

Buffett is a boglehead. Buffet is the consummate value investor. Perhaps he is a Boglehead now. But his investing career, as I recall, involved heavy bets on a few companies, all value oriented. It is a little different when one tends to buy controlling interest in a company. :moneybag tludwig23 ha...
by McCharley
Wed Jan 07, 2015 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett quote of the day: Market is a "Drunken Psycho"
Replies: 12
Views: 2840

Re: Accepting counter-offer to stay at job

I am confused. You were not leaving for money.

Why would you stay for it? :confused
by McCharley
Tue Jan 06, 2015 12:29 am
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6696

Re: TLH Question

Say at some point in the future you have some long-term and short-term gains for the year. Your long-term losses are first used to offset long-term gains, and short-term losses offset short-term gains. Say you have only long-term losses, and just enough to offset the long-term gains. Now you are le...
by McCharley
Sat Jan 03, 2015 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 6
Views: 294

Re: Am I contributing too much to retirement?

For your first home you will not need 20% down. Don't lock yourself out for the sake of raising $200k; it is very difficult to save that much. :| $52k/yr. is not much in San Francisco, but like any big city it is easy to get by (and have a great time) for little money. This forum will generally advo...
by McCharley
Thu Jan 01, 2015 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 4829

Re: Don't be tempted to buy your teen a cheap (old) car, par

I had a car before I could drive, one I bought with my own money (a 1972 Duster :shock: ). The thing was a total death trap. As a teenager, I frequently exhibited poor judgement, but this was magnified by an inability to do things like buy new tires. I like the idea to have a kid buy his own car, bu...
by McCharley
Sat Dec 20, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 11725

Re: Early Retirement

It is a mistake to think of retirement. At your age, you should be thinking about what you want to do instead. :beer
by McCharley
Thu Dec 11, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early Retirement
Replies: 19
Views: 3483

Re: Have you ever been let go?

I work in biotech, and this profession is one of the least stable professions I know of. :( This encourages savings. :moneybag I was laid off once, and it feels like losing a popularity contest. Many thanks to fellow BHders on this site for their support. I got lucky and found a job in a month. :sha...
by McCharley
Tue Dec 09, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5806

Re: Credit card sign-on bonuses -- worth the trouble?

Thanks for all the replies! I applied for the credit card. :greedy There was a recent discussion on Reddit about credit cards which some of you might find interesting: http://www.reddit.com/r/personalfinance/comments/2ojo9a/whats_the_best_credit_card/ The Sally Mae Barclaycard seems particularly goo...
by McCharley
Tue Dec 09, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 7743

Credit card sign-on bonuses -- worth the trouble?

I just received an AMEX offer for a $200 rebate and Amazon Prime for a year. :shock: I am buying a $1400 projector soon (merry Xmas to me! :sharebeer ) so I could just use this card for that single purchase, meet the $1k charge requirement, and close the account. I usually throw these offers in the ...
by McCharley
Fri Dec 05, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 7743

Re: How do you rebalance?

You know, it'd be great if one's 401(k) would add new funds to maintain an asset allocation rather than in a fixed ratio. :sharebeer The retirement accounts I've had: Vanguard, TIAA-CREF, and Fidelity, only allowed me to add new money in a fixed ratio to the various funds. Some of these had automati...
by McCharley
Fri Dec 05, 2014 12:22 am
 
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 3259

Re: outdoor "security" camera

I think you'd find the quality of a game camera too low. Plus it only records to the camera. I have two wireless Sharx cameras. They transmit to the computer which records when they motion-sense. It is oddly entertaining ro click through all the "events" (eg postman) outside my house from ...
by McCharley
Thu Dec 04, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: outdoor "security" camera
Replies: 5
Views: 963

Re: 15 vs 30 mortgage on a condo I plan on renting after 5 y

Are you capable of aggressively paying this down?

In general, it is best to avoid investments on credit, and this includes mortgages.

If you are serious about this as an investment vehicle then get the 15 and pay it off in 5. :greedy
by McCharley
Fri Nov 21, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 mortgage on a condo I plan on renting after 5 years
Replies: 15
Views: 1816

Re: Is Boglehead investing becoming the conventional wisdom?

Doesn't index investing depend upon a relatively efficient market? And doesn't the efficient market require a lot of people watching it? As the popularity of index funds increases there will be fewer people trying to determine what the fair price of any stock is. One could easily see how this would ...
by McCharley
Sun Nov 16, 2014 2:27 am
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 3263

Re: Harry's razors

My wife and I both use Harry's. 8-) She got sick of all the changeover in handles and blades and having to constantly "buy in" to a new system at the drugstore. (This might be worse for women :confused ) Harry's is consistent. I usually shower at the gym, though, where I use a cheap, dispo...
by McCharley
Sat Nov 15, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6474

Re: Vinyl Siding over wood

We pulled off vinyl over aesbestos :shock: over wood siding before using Hardiplank. Once you start looking, vinyl really looks terrible. I'd urge you to think carefully and look at a lot of houses. My wife originally couldn't tell the difference, but now residing our house has made her notice. If y...
by McCharley
Sat Nov 15, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 18
Views: 2182

Is Boglehead investing becoming the conventional wisdom?

Low-cost, diversified, index fund investing seems now to be the generally accepted, "smart" way to invest. This is a good thing -- it wasn't so many years ago that costs weren't even considered, for one thing. Now it seems that everywhere I look in the lay press these basic Bogleheads prin...
by McCharley
Tue Nov 11, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 3263

Re: "You're invited to...." (nonsense talk and dinner)

I would like myself better if I had the nerve to go to one of these and heckle.

You'd still get the dinner. :beer
by McCharley
Thu Nov 06, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12097

Re: LED Christmas lights?

I very much prefer incandescent lights. The LED ones are very cold, and they appear to flicker.

I am disappointed that they are the new normal. :annoyed
by McCharley
Tue Nov 04, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3760

DCA deposits can raise red flags with the IRS

I saw this article in the NYT this morning and was surprised to see that the IRS can apparently seize accounts it regards as suspicious, such as repeated cash deposits under the $10k reporting limit: http://www.nytimes.com/2014/10/26/us/law-lets-irs-seize-accounts-on-suspicion-no-crime-required.html...
by McCharley
Sun Oct 26, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: DCA deposits can raise red flags with the IRS
Replies: 7
Views: 1583

Re: How do you wash your car?

I don't wash my car that much, but when I had a boat I'd wash it all the time. Perhaps this is true of cars, too: if you wash it you notice things that are out of whack before they become problems. A loose license plate, a nail in the tire, etc. And cleaning your windows, inside and out, is really a...
by McCharley
Tue Oct 21, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8122

Re: Which home security system with camera do u use?

I have a couple of Sharx wifi cameras. They are not cheap but they work well. :sharebeer
by McCharley
Mon Oct 20, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Which home security system with camera do u use?
Replies: 3
Views: 430

Re: Windows XP

No, no, no!

Do not run XP unless you have some very good reason to do so, like hardware that requires it.

Windows 7 is the desktop system of choice, IMHO.

Now that XP is not supported you'll be thrown to the wolves. :annoyed
by McCharley
Sun Oct 19, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 64
Views: 3994

Re: Borescope for inspecting dryer vents and AC ducts

For lint a borescope is overkill. But don't let that stop you from getting one! :sharebeer

I used mine repeatedly this weekend to check out walls that I wanted to cut outlets into. I could see where all the wires were before cutting -- very reassuring! :o
by McCharley
Sun Oct 19, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1388

Re: Debit Card was hacked. Should I just use cash from now

First of all, good for you for noticing the charge! :sharebeer I echo all the folks on here saying that a credit card makes good sense. I also have mine (a Chase Rewards Ink card) set to text me whenever a charge of over $100 is made. This just reinforces that money is being spent. It CAN be rather ...
by McCharley
Sun Oct 19, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 4068

Re: need a new home page [browser default page]

I disagree about keeping it simple. :D My go-to startup page is igHome; my wife uses NetVibes. Both do the same thing, allowing multiple RSS feeds and email preview. Put everything in front of you. Add interesting sites over time, and eliminate disappointing ones. Have multiple tabs (finance, news, ...
by McCharley
Wed Oct 15, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 2112

Re: What happened to the audiophile?[High quality music sour

Thanks for all the responses! :sharebeer

An overall theme seems to be that music is just getting left behind in favor of other interests.

I read that the videogame GTA5 outsold the entire global music industry in 2013.

Times they are a-changin' 8-)
by McCharley
Wed Oct 15, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 4180

What happened to the audiophile?[High quality music sources]

I recall when people spent hundreds of dollars on a phono cartridge. I worked in a stereo store when CDs first came out -- wow, all of a sudden, good sound was cheap. Mind you I was a snob (and still am) -- those analog recordings had something that the CDs didn't: they sounded less harsh (hard to d...
by McCharley
Tue Oct 14, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 4180

Re: Buy a new car, or fix the old one?

All that matters is how much you like the car.

Fixing it is way less expensive than buying something new. Economic no-brainer.

On the other hand, life is too short to drive a car you dislike. :sharebeer
by McCharley
Tue Oct 14, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3185

Re: Borescope for inspecting dryer vents and AC ducts

Ha! My fault for mentioning it. :D First of all, it depends a great deal what you are going to use it for. If you want to look into your car cylinders then you need one that fits through the spark plug hole. If you want to look at your wastewater pipe you need one that is long and waterproof. Me, I ...
by McCharley
Tue Oct 14, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1388

You may be getting charged rent for a router/modem you own

This morning's NYT Haggler article was about Comcast, which had been charging a customer $8/mo. rent for a router they'd bought from Amazon. The customer then got nowhere with customer service until the Haggler called, after which they refunded the customer's 4 years of "rent" fees :shock:...
by McCharley
Sun Oct 12, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 4300

Re: Clothes Dryer drying very slowly

If it is heating up OK then it is almost certainly lint buildup, as others have suggested. You need to clear out the vent pipe and where it joins the machine. This would be a great opportunity for you to purchase a borescope, as you know every home fixit issue is an excuse to buy a tool. :D (It is e...
by McCharley
Sun Oct 12, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2046

Re: Paying extra on Mortgage vs Investing?

I put an extra $1000 on my mortgage every month, even though it is at 2.75%. :happy I just love the idea of paying it off early, and this way it gets paid off in five years instead of ten. :D I can't make enough guaranteed returns (CDs, etc.) to make it worth stockpiling somewhere else to pay off in...
by McCharley
Fri Oct 10, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying extra on Mortgage vs Investing?
Replies: 18
Views: 2518

Re: How can I stop feeling depressed about my finances?

Just set your course and forget about your finances. :beer

You're in good shape. It is all the course you've picked, not the speed right now.

If you end up being paid to do what you love, you win. :sharebeer
by McCharley
Fri Oct 10, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 15342

Re: Tell me about Berlin :-)

The Berlin Wall Museum is one of my favorites. They have all kinds of crazy contraptions people used to get over the wall -- early, simple ladders and later secret compartments in cars. I loved the guy who made it out with essentially an outboard motor and a snorkel. It is a combination infusion of ...
by McCharley
Tue Oct 07, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 40
Views: 3646

Re: How long before disputing a charge on my Visa?

UPDATE: they sent the boroscope, new and perfect. Half the Amazon price.

All of my suspicions were for nothing. ToolBarn delivered. :beer
by McCharley
Mon Oct 06, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1907

How long before disputing a charge on my Visa?

I have had the good fortune of never having had to dispute a charge on my credit card. :happy But about a week ago I ordered a borescope from Toolbarn.com. They promptly charged my credit card and I've heard nothing since. Amazon has spoiled me, I think, with fast shipping and constant updates. So I...
by McCharley
Sat Oct 04, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1907

Re: Should I (physician) get an MBA?

Hey, whoa there... :shock: You said you were recently out of training. You've sacrificed a lot to get where you are, and you job is probably not something you can do part time while pursuing an MBA, so the rest of your life (wife, kids, friends, your novel, whatever) would be neglected to go get MOR...
by McCharley
Thu Oct 02, 2014 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3970
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