Search found 237 matches

by McCharley
Sat Jun 25, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 35
Views: 5767

Re: "How to Make Your Money Last" -- A Gem

I had thought that all annuities were a bad idea except under very specialized circumstances. :confused

Why are they regarded so favorably in this book?
by McCharley
Fri Apr 01, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Is Nexus the cheap way to get both TSApreCheck and Global Crossing?
Replies: 6
Views: 909

Is Nexus the cheap way to get both TSApreCheck and Global Crossing?

There are three "trusted traveler" programs that expedite security checkpoints in airports and at borders: TSApreCheck, Global Crossing, and Nexus. It looks like if you pay $50 for Nexus, you get the $85 TSApreCheck and the $100 Global Crossing along with it. For 5 years! :o I guess maybe ...
by McCharley
Sat Mar 12, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 12
Views: 1691

Standard Sales Tax Deduction is Miserly -- here's my way

Boglers, After saving all of my receipts this year, it is clear that the standard sales tax deduction would only have given me about 1/3 of the money I actually spent on sales taxes (in Seattle at 9.6%, no income tax). If you are in a high sales tax location, saving receipts can save you big on tax ...
by McCharley
Sun Feb 21, 2016 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay taxes early on capital gains in order to avoid fines?
Replies: 13
Views: 1400

Re: Do I need to pay taxes early on capital gains in order to avoid fines?

Thank you, Boglers, This has been very informative! :sharebeer It looks like I'm stuck either paying 110% of what last year's taxes were, which would be overpaying this year, or just trying to do a better job of estimating what they will actually be and paying that. :greedy The least painful way to ...
by McCharley
Sat Feb 20, 2016 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay taxes early on capital gains in order to avoid fines?
Replies: 13
Views: 1400

Do I need to pay taxes early on capital gains in order to avoid fines?

I sold some stock this year to pay for building a workshop :sharebeer , and this will incur long-term capital gains of perhaps $20k. My internet research indicates that if I pay this year at least what I owed last year that I will avoid all potential fines, even if my income is juiced by these sales...
by McCharley
Sun Feb 07, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1829

Re: upgrade OS on older MAC?

I used to do all upgrades as a matter of course, but not anymore! I have been burned by Apple upgrading to systems that run badly on the old hardware. I really wish I had never upgraded my first-generation iPad. It is slow and freezes a lot now, and Apple does not support downgrades so I guess I'm s...
by McCharley
Sat Feb 06, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: BillFixers - Anyone Used It?
Replies: 4
Views: 713

Re: BillFixers - Anyone Used It?

I've not used their services, but the NYT article does detail their methods, which you could apply without paying anything.

I'm pretty sure if I called Comcast and complained nicely I could get some kind of discount. It's the price I pat for not having to deal with them. :moneybag
by McCharley
Fri Jan 15, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: How to choose which stocks to sell
Replies: 2
Views: 424

How to choose which stocks to sell

Although for retirement accounts I completely subscribe to the Bogleheads' philosophy, I also have a "hobby" of investing in individual stocks. :beer My policy has been to always hold over 30 stocks. My returns (very carefully determined via XIRR etc.) have essentially mirrored the market ...
by McCharley
Sat Nov 28, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card company sending bill late
Replies: 21
Views: 2492

Credit card company sending bill late

I generally wait until I receive the paper bill, then I review it and pay online. In this case the bill from Chase arrived on the day it was due, and I'd noticed it and paid online already. No harm done, but using the arrival of the bill as a reminder to pay it may not be a good idea going forward. ...
by McCharley
Fri Oct 30, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Home Security Outdoor Camera
Replies: 16
Views: 2092

Re: Home Security Outdoor Camera

There is some good advice on here! The Blue Iris software is great -- I've used it for years. :beer There are a lot of CHEAP cameras out there that take really low-quality pictures. I'd advise against those inexpensive sets of multiple cameras unless you are installing them very close to the subject...
by McCharley
Mon Oct 26, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Mortgage Payment Calculator
Replies: 19
Views: 2082

Re: Mortgage Payment Calculator

There are a ton of all kinds of financial calculators at dinkytown:
https://www.dinkytown.net/

There are lots of mortgage-related ones. :beer
by McCharley
Mon Oct 26, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: How do you find a good arborist
Replies: 12
Views: 1235

Re: How do you find a good arborist

Arborists who are serious are certified by the http://www.isa-arbor.com/
by McCharley
Sun Oct 25, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Saddleback Leather [briefcase] - Alternatives ??
Replies: 13
Views: 2572

Re: Saddleback Leather - Alternatives ??

Yep: buy it! :beer

You will enjoy it every time you use it, and it will only get better with age.

It is expensive but a large amount of that goes straight into the leather and craftsmanship. It is not like you are paying a lot for a meaningless designer label.
by McCharley
Wed Oct 21, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 44
Views: 4215

Re: Dissuade me from buying art [Kuaui]

I say buy it! :sharebeer

I've never regretted buying original art. It is not an investment in dollars, it is an investment in something you get to look at every day.

Do make sure it will grow on you, though: spend some time with it.
by McCharley
Sat Oct 17, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 7211

Re: Bicycle commuting

I commute by bike 4 days a week, 5 miles each way. :beer I ride a 59 pound Dutch Bike: http://1id8hk189que3ci9s7vcok07.wpengine.netdna-cdn.com/wp-content/uploads/2009/04/dutch-bike-co-seattle-secret-service-1.jpg Panniers keep the load low and off your back. Upright, slow bicycles are a lot safer th...
by McCharley
Fri Oct 16, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Good source for frozen lobster tails in Seattle?
Replies: 6
Views: 781

Good source for frozen lobster tails in Seattle?

I bought them once at QFC and they were great: an instant celebration. :beer

I've not seen them anywhere since. :(

The prices are all over the place online and shipping is often expensive.

Anyone have a good experience getting them shipped or in the Seattle area?

Thanks!
by McCharley
Sun Oct 04, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: "Second-Grader Who Beat Wall Street -- A Decade Later"
Replies: 13
Views: 3611

Re: "Second-Grader Who Beat Wall Street -- A Decade Later"

I am wondering how having a lot of savings would impact financial aid at college. :confused I guess it is a problem to have, but won't most colleges with need-based scholarships count a student's savings first towards tuition and school expenses, then apply whatever scholarships to what is left? Thi...
by McCharley
Sat Sep 26, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 14699

Re: Consumer items that are worth the initial investment?

I love my HP11C calculator!

Image

I have had one for thirty years. I lost it for a few years and bought another, then found the first. Now I have two. :D

I have a simulator on my iPhone but it isn't the same...
by McCharley
Sat Sep 26, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Upgrading my computer to work more days from home
Replies: 22
Views: 1806

Re: Upgrading my computer to work more days from home

Two monitors will make your neck sore looking back and forth. :( I would recommend a three monitor setup. It is great for looking at and cutting and pasting into multiple documents at the same time. Save some money and build your own computer -- it's fun! :sharebeer Make sure your graphics card can ...
by McCharley
Sun Aug 30, 2015 10:30 pm
Forum: Investing - Theory, News & General
Topic: Interesting market timing bakeoff from Schwab
Replies: 5
Views: 740

Re: Interesting market timing bakeoff from Schwab

Livesoft -- thanks! :oops:

ASAP investing only came in second to "perfect investing" -- when the monthly purchase was made at the lowest value of the year. Since you can't really know that the ASAP appears to be the winning strategy. :sharebeer
by McCharley
Sun Aug 30, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: Interesting market timing bakeoff from Schwab
Replies: 5
Views: 740

Interesting market timing bakeoff from Schwab

I am interested whether the 1993-2012 period was cherrypicked or if this same analysis holds up over other ranges. Does the "invest ASAP" model win for all 20 year periods? :confused

http://www.schwab.com/public/schwab/nn/ ... ?stop=true
by McCharley
Sat Jul 25, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 5679

Re: Low mileage oil change

This is interesting. I have a toyota pickup I drive about a thousand miles a year, and I change the oil yearly although the manual says every six months or 5000 miles. With only 500 miles or 10% of the mileage interval it seems wasteful. But now you're making me nervous! :shock: For what it is worth...
by McCharley
Mon Jun 29, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3684

Re: 10 year old car

Have it professionally buffed and waxed. It'll look like a million bucks. :sharebeer
by McCharley
Sun Jun 28, 2015 11:50 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 12186

Re: MacBook Pro Worth the money?

I have a Macbook Pro at work, a windows 7 desktop and a Windows 8 laptop at home. The sore point with me and Mac is that they don't have a touchscreen laptop (like the Lenovo Yoga 2 Pro I bought). :( Also, many of the programs I want to run do not run on Mac, or there are conversion issues. I agree ...
by McCharley
Thu May 07, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: video camera?
Replies: 14
Views: 1036

Re: video camera?

You really need to upgrade from XP.
by McCharley
Sun Apr 12, 2015 11:46 pm
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 2069

Re: Poll: do you own individual international stocks?

I find that buying individual stocks through a discount broker is an excellent way to encourage myself to save beyond my automatic deductions. It is an interesting hobby once your 401{k} is maxxed out. My hobby has proven so interesting that it is now approaching 15% of total holdings, which I feel ...
by McCharley
Sat Apr 04, 2015 8:26 pm
Forum: Investing - Theory, News & General
Topic: If everyone goes index then who sets the prices?
Replies: 7
Views: 1134

If everyone goes index then who sets the prices?

This question was inspired by Mr. Bogle's assertion that active funds could disappear. Don't active traders serve to set the price for stocks? :confused If we move more towards indexing will that mean that fewer people are paying attention to what they should be paying for stocks? I could see a scen...
by McCharley
Sun Mar 29, 2015 11:25 pm
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 7142

Re: Building a new house. Any recommendations?

I really like the idea of controlling water flow from blown washing machine hoses. Big pans under the washer with drainage.

If similar things could be done for the dishwasher and icemaker that'd be even better.

These hoses blow out all the time and cause big damage.
by McCharley
Wed Mar 25, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is my income tax too high?
Replies: 8
Views: 1435

Is my income tax too high?

I got hit hard by taxes this year, in part because my deductibles did not add up to enough to be greater than the standard deductible, so itenization went out the window. This is largely because the amount of mortgage interest I pay has dropped due to Boglehead-like Aggressive Mortgage Paydown. :bee...
by McCharley
Thu Mar 19, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 3032

Re: Vinyl or wood fence

Once you can tell the difference between wood and vinyl, vinyl looks terrible even new. This is very much like vinyl siding. My wife could not tell the difference and it never bothered her. Once we got our house resided she started noticing siding and hating vinyl. If it looks fine then great -- it ...
by McCharley
Sat Mar 14, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Business Start-up?
Replies: 16
Views: 1764

Re: Best Business Start-up?

Jack, I like where you're going. This is a business that you actually like, as evidenced by the fact that you have already sewn some of these things before. As I have grown older I have realized that the most valuable thing you have is time, and if you can engineer your life to spend time doing what...
by McCharley
Sat Mar 14, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use credit card history for sales tax deduction?
Replies: 5
Views: 861

Can I use credit card history for sales tax deduction?

My area (Seattle) has no income tax :D but a hefty sales tax. :( I just did my taxes and the IRS calculator allows $1950 for deduction off of federal tax, but you can do the actual amount if you can produce the receipts. I just pulled my credit card history, and I estimate that the actual sales tax ...
by McCharley
Wed Feb 18, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 18407

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
Tue Feb 10, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 31
Views: 4555

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
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: 23303

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
Wed Jan 28, 2015 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 4281

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
Thu Jan 22, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2474

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
Wed Jan 21, 2015 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 19806

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
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: 5415

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
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: 5415

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
Sun Jan 11, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 6786

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 10:07 pm
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 7343

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 10:00 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 6812

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 4:25 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 6812

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 3:58 pm
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 7343

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
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: 3028

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
Tue Jan 06, 2015 12:29 am
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 8018

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
Sat Jan 03, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 6
Views: 379

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
Thu Jan 01, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 5298

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
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: 13678

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...

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