Search found 370 matches

by McCharley
Sat Apr 03, 2021 8:17 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22829

Re: Oil change interval for low-mileage vehicles

Just follow the owner's manual for your vehicle. It tells you these things. Usually once per year for modern oils. 2010 Toyota Tacomas are supposed to have the oil changed every 5,000 miles or 6 months, according to the manual. :annoyed Given that I drive about a thousand miles a year, it seems sil...
by McCharley
Sat Mar 27, 2021 7:59 pm
Forum: Investing - Theory, News & General
Topic: How to keep yourself honest in investing?
Replies: 9
Views: 1268

Re: How to keep yourself honest in investing?

The best way that I have found to track performance is to use the free download version of Microsoft Money. That way I don't have do any fancy spreadsheet. I just enter the transactions and can have MS Money do all kinds of performance reports. Then I compare the performance with benchmark funds su...
by McCharley
Sat Mar 27, 2021 6:07 pm
Forum: Investing - Theory, News & General
Topic: How to keep yourself honest in investing?
Replies: 9
Views: 1268

Re: How to keep yourself honest in investing?

Time-Weighted Return: https://www.investopedia.com/terms/t/time-weightedror.asp You know, that's funny because I did something a little like this by making a spreadsheet of all my inflows and the value of VT on that day, then calculating what my return would have been had I just invested in VT inst...
by McCharley
Sat Mar 27, 2021 5:44 pm
Forum: Investing - Theory, News & General
Topic: How to keep yourself honest in investing?
Replies: 9
Views: 1268

How to keep yourself honest in investing?

Although most of my savings are in big index funds, I also have a brokerage account and find it a fun and rewarding hobby to invest in individual companies. I add funds each month, automatically, and more when I can, and it has grown substantially as it encourages saving and the investments have gro...
by McCharley
Fri Mar 26, 2021 4:31 pm
Forum: Personal Consumer Issues
Topic: Turning unheated garage into woodshop: add raised flooring?
Replies: 19
Views: 1339

Re: Turning unheated garage into woodshop: add raised flooring?

You can add a 5000w heater for about $500. Is there a panel in your garage? Adding a 240v circuit is pretty easy if so. If you are using hand tools, its a lot better to drop them on wood... I put a heater like this one in my garage, and it is great: https://www.homedepot.com/p/Fahrenheat-5-000-Watt...
by McCharley
Fri Mar 26, 2021 4:14 pm
Forum: Personal Consumer Issues
Topic: Turning unheated garage into woodshop: add raised flooring?
Replies: 19
Views: 1339

Re: Turning unheated garage into woodshop: add raised flooring?

I would not do a thing -- spend your money on dust collection and a beer fridge. :beer I have a workshop with a concrete floor, and it's fine. I also do metalwork, so it is especially important that it not be flammable. Although you are working with wood, flammability would still worry me, especiall...
by McCharley
Sat Mar 13, 2021 9:57 pm
Forum: Investing - Theory, News & General
Topic: The Florentine Portfolio
Replies: 14
Views: 1370

Re: The Florentine Portfolio

5% is OK for fun, but this portfolio is 61% in bonds and gold. Unless you are anticipating a rout in the stock market, this seems overly conservative.
by McCharley
Fri Jan 29, 2021 5:11 pm
Forum: Personal Consumer Issues
Topic: All In One Computer?
Replies: 56
Views: 3209

Re: All In One Computer?

I had an iMac all-in-one that was the most reliable computer I ever owned. It had very high build quality -- and of course being Apple it was expensive as well. I would go weeks without even restarting it, while Windows machines need to be restarted every couple of days at least. I tend to steer the...
by McCharley
Tue Jan 26, 2021 5:52 pm
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5082

Re: 80+ inch TV

I know this isn't what you asked, but you might consider a projector for that "movie theater experience." You can go a lot bigger than 80 inches!

However, if you can't get your room pretty dark a TV is probably a better option.
by McCharley
Sun Jan 24, 2021 2:23 pm
Forum: Personal Consumer Issues
Topic: Do you have any tips for first time home buyer?
Replies: 64
Views: 4172

Re: Do you have any tips for first time home buyer?

Buy the neighborhood, not the house. I know so many people who settled for a godawful commute in order to get a giant house. And I know people who moved into a neighborhood that is genuinely unsafe because they wanted something new. If you can buy something that needs a bit of work you can save a gr...
by McCharley
Fri Jan 08, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Running TurboTax in Browser?
Replies: 11
Views: 915

Re: Running TurboTax in Browser?

I used to buy the program but started using the online version a few years ago and noticed no real difference. I have income from salary and investments but nothing complicated like a rental with depreciation.
by McCharley
Tue Dec 29, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Cell Phone?
Replies: 78
Views: 5418

Re: Bogleheads Cell Phone?

The Google Pixel phones are hard to beat at less than half the cost of an iPhone.

Combine it with GoogleFi networking to save half the cost on your monthly bill, too. :sharebeer
by McCharley
Tue Nov 10, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 99996

Re: Found hidden safe, should we crack?

Here is a list of default combionations from Wikipedia:

List of common factory-default combinations
50-25-50
50-50-50
20-50-25
10-20-30
25-50-75
20-40-60
20-60-40
40-20-60
40-60-20
60-20-40
60-40-20

Good luck, OP! :sharebeer
by McCharley
Tue Nov 10, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 99996

Re: Found hidden safe, should we crack?

You may discover that the safe is still on its default combination, as it comes from the factory.

Worth a try!
by McCharley
Wed Oct 21, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2208

Re: Letting neighbor use dock

I'd just like to add that it is really nice of you to let him use your dock, and I hope we all don't get so paranoid and litigious that it keeps us from being generous. :sharebeer
by McCharley
Tue Oct 06, 2020 3:57 pm
Forum: Personal Investments
Topic: Anyone know Vanguard's phone and fax numbers?
Replies: 22
Views: 1726

Re: Anyone know Vanguard's phone and fax numbers?

It took me 40 minutes on hold to get this information:

phone 877-662-7447
fax 484-582-4544

No, this information was not available just by searching. I am frankly annoyed by Vanguard. :annoyed
by McCharley
Tue Oct 06, 2020 3:25 pm
Forum: Personal Investments
Topic: Anyone know Vanguard's phone and fax numbers?
Replies: 22
Views: 1726

Anyone know Vanguard's phone and fax numbers?

I am trying to roll over an account into Vanguard, and (unbelievably) they do not have their phone and fax numbers for this division on their website. :annoyed

The institution sending the funds requires them.

I have been on hold now for the better part of an hour. Does anyone know these numbers?
by McCharley
Sat Sep 26, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 11179

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

It's a hugely individual question. If you are a car nut then it would make sense to buy this sooner. :sharebeer I have been thinking about this, myself, simply because the roaster looks so awesome . And relative to other supercars it is a "bargain." :D Here's the thing: I'd feel like a bit...
by McCharley
Sat Sep 12, 2020 6:40 pm
Forum: Personal Investments
Topic: Not possible to switch all Vanguard holdings into three new funds?
Replies: 17
Views: 1247

Re: Not possible to switch all Vanguard holdings into three new funds?

I thought I'd just let everyone know that my transfers went fine using 000's method. :sharebeer
by McCharley
Sun Sep 06, 2020 7:05 pm
Forum: Personal Investments
Topic: Not possible to switch all Vanguard holdings into three new funds?
Replies: 17
Views: 1247

Re: Not possible to switch all Vanguard holdings into three new funds?

I am going to write that you REALLY NEED TO CALL Vanguard to do this. There is no shame in having the Vanguard gal do this for you. We have seen on this forum more than once that trying to do this through the web site leads to unexpected interactions and unforeseen consequences. Save yourself the h...
by McCharley
Sun Sep 06, 2020 6:43 pm
Forum: Personal Investments
Topic: Not possible to switch all Vanguard holdings into three new funds?
Replies: 17
Views: 1247

Re: Not possible to switch all Vanguard holdings into three new funds?

Thank you for your workaround! I think this is what I will do.

This seems like very basic functionality, and I an surprised that Vanguard doesn't offer it.
by McCharley
Sun Sep 06, 2020 6:34 pm
Forum: Personal Investments
Topic: Not possible to switch all Vanguard holdings into three new funds?
Replies: 17
Views: 1247

Re: Not possible to switch all Vanguard holdings into three new funds?

You need to make one transaction per target fund. Edit - I tried and you can definitely exchange to several funds. Check the box "Add another Vanguard mutual fund", select your target fund. The checkbox appears again and you can select another one, then choose the % for each. Not true. I ...
by McCharley
Sun Sep 06, 2020 6:31 pm
Forum: Personal Investments
Topic: Not possible to switch all Vanguard holdings into three new funds?
Replies: 17
Views: 1247

Re: Not possible to switch all Vanguard holdings into three new funds?

You need to make one transaction per target fund. OK, but I am selling all five of the funds I have now and want to invest in three new ones. Do I have to sell one or two funds at a time and buy one of the three new ones, then rebalance everything later? That just seems so backwards. I want to sell...
by McCharley
Sun Sep 06, 2020 6:21 pm
Forum: Personal Investments
Topic: Not possible to switch all Vanguard holdings into three new funds?
Replies: 17
Views: 1247

Not possible to switch all Vanguard holdings into three new funds?

Hi, Boglers, I am trying to simplify my holdings to a three fund portfolio. Currently, I hold five funds, but none of the three I want to swap to. When I use the "Exchange Vanguard Funds" I can add a new fund, but it will not let me split my assets between three new funds. Does Vanguard re...
by McCharley
Sun Sep 06, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America removed "My Portfolio" function?!? What to use now?
Replies: 17
Views: 2619

Re: Bank of America removed "My Portfolio" function?!? What to use now?

I don't use an aggregator so I can't suggest one. But when I sign into BofA and go to Accounts > My Portfolio, it says My Portfolio will soon be upgraded to My Financial Picture; you may experience some periodic outages during the migration. We appreciate your patience as we enhance your experience...
by McCharley
Sun Sep 06, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America removed "My Portfolio" function?!? What to use now?
Replies: 17
Views: 2619

Bank of America removed "My Portfolio" function?!? What to use now?

BOA used to have an aggregator that pulled in balances from multiple accounts and showed them in one convenient place.

Now it appears that they have removed it. :annoyed

I used to use Mint for this, but they really went downhill after being bought by Quicken.

What do you folks use for this?
by McCharley
Fri Aug 14, 2020 5:40 pm
Forum: Personal Investments
Topic: Can my spouse contribute more than their individual maximum to a 401(k)?
Replies: 5
Views: 669

Can my spouse contribute more than their individual maximum to a 401(k)?

Hi, Bogleheads, I am taking a job with a small company that has no 401(k) plan. My wife has a 401(k), and she is currently contributing close to her maximum of $19,500. Can she contribute $19,500 + $19,500 + $6,500 = $45,500 to hit the limit for us as a couple (I'm over 50 and so have the "catc...
by McCharley
Fri Aug 07, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Car safety after age 67 or so
Replies: 64
Views: 5202

Re: Car safety after age 67 or so

A Tesla with autopilot has a lot to recommend it to older drivers. As your reflexes fade, its reflexes will only get better. :D

It is probably the safest car on the planet. You can tell yourself that's why you bought it as you grin from ear to ear. lol :sharebeer
by McCharley
Thu Jun 18, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13718

Re: Parents in a tough situation for retirement

OP, I had a post about my mother running out of money that is similar to yours and ran for hundreds of comments: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=117379 The similarities are that my mother is completely incapable of saving money even in the best of times, and a bit of a magic...
by McCharley
Tue Jun 16, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 15222

Re: Should I sell my stash of dental floss now worth $3,000?

I know this question may seem absurd, but as an avid flosser myself I can say that most of what is out there is pure garbage -- it breaks easily and leaves fibers behind in your teeth. :annoyed And I do use it properly, moving it along as I go to not wear out the floss by sticking to one place on th...
by McCharley
Fri Jun 12, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 3981

Re: caulk puncture tool ?

Even if the gun has a poker you should not use it. It just puts caulk right where your hands are and makes a mess. :|

Straighten the hook on a coathangar, puncture the seal, and then bend it all so the caulk on the hangar tip is not spread to the ground. 8-)
by McCharley
Fri Jun 12, 2020 11:32 pm
Forum: Personal Consumer Issues
Topic: Time to replace deck?
Replies: 24
Views: 2238

Re: Looking for more info on composite deck materials

This is a timely thread for me. My deck is only about 10 years old, but was built, I now understand, rather poorly, with mediocre, at least, materials. I'm thinking strongly of having it re-planked with a composite such as Trex. That will be expensive, in part because additional headers will need t...
by McCharley
Fri Jun 12, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 32005

Re: What fun car should I get in the $150k - $200k range?

I like the Tesla - but i would get the Roadster when it is released. I have a 2019 model X, and it is awesome. https://www.tesla.com/roadster I saw this electric Porsche on "Jay Leno's Garage". Looked ultra cool: https://www.porsche.com/usa/models/taycan/taycan-models/taycan-turbo/ Honest...
by McCharley
Thu May 28, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 13481

Re: Face mask recommendations

For an event like this, you probably want something disposable -- or, frankly, just tell people to bring their own. I am only really weighing in because I see some myths being perpetuated on this thread. N95 masks are extremely effective, but as we want to save the disposable versions for healthcare...
by McCharley
Sat May 16, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6842

Re: How to get disinfecting wipes..seriously

The CDC has still not recorded a single case of transmission off a surface.

You should probably worry less about this route. :sharebeer
by McCharley
Tue Apr 21, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: Fidelity now allowing on-line trading of TIPS with negative real yields
Replies: 5
Views: 435

Re: Fidelity now allowing on-line trading of TIPS with negative real yields

Why would someone buy TIPS with a negative yield instead of a high yield savings account?

Are you banking on an increase in inflation?

Please forgive the stupid question -- it's just counter intuitive.
by McCharley
Thu Mar 19, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: log in problems - Vanguard
Replies: 13
Views: 669

Re: log in problems - Vanguard

Broken for me, too.

They probably just don't want me to see the carnage. :(
by McCharley
Fri Feb 07, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 60
Views: 3276

Re: Engagement Ring Insurance

Boggled, Until I read all of your responses I was like: who the hell would buy a ring so expensive that they needed to insure it?!? And I think that a $6k ring is not all that expensive -- it's the stupid wedding industrial complex that is wasted money IMHO. However, you should consider that the val...
by McCharley
Mon Jan 20, 2020 12:49 am
Forum: Investing - Theory, News & General
Topic: Why have so many people forgotten about 19% drop 13 months ago?
Replies: 54
Views: 7259

Re: Why have so many people forgotten about 19% drop 13 months ago?

Is there data somewhere showing the returns of someone 100% in US equities, someone in a 60/40 mix of US equities/US bonds, and someone in a 60/40 mix of 50/50 US/international equities and al US bonds since 2008? https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&am...
by McCharley
Wed Aug 28, 2019 11:47 pm
Forum: Investing - Theory, News & General
Topic: "The Best Diversifiers For Your Equity Portfolio"
Replies: 126
Views: 11730

Re: "The Best Diversifiers For Your Equity Portfolio"

Bonds are still a good diversifier for stocks, a potential problem is that interest rates are still so darned low. You can't collect 6%-7% anymore from a portfolio of quality bonds, you will get more like 2%, so the cushioning effect of bonds in future bear markets will be less as already low inter...
by McCharley
Tue Jul 23, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Best way to create a Lego Inventory
Replies: 19
Views: 1854

Re: Best way to create a Lego Inventory

As a kid I had a giant bin. We never worried about the picture on the box or what set they came from. It was a really fun and creative activity.

You can buy lots of Legos at places like Goodwill and eBay.
by McCharley
Sun Jun 30, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 55
Views: 6811

Re: Anyone tried a sunrise alarm clock?

I had a Phillips clock and liked how it worked, but I got rid of it because it is ugly. It is also not user friendly for programming times, alarms, etc. I ended up getting a smart bulb and a digital electrical timer: https://www.amazon.com/gp/product/B00MVF16JG/ref=ppx_yo_dt_b_search_asin_title?ie=U...
by McCharley
Sun Jun 30, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: How to insure a vacation Tesla in Scotland
Replies: 4
Views: 654

How to insure a vacation Tesla in Scotland

My usual thing with renting cars is to use a credit card that offers insurance and decline whatever is offered. However, my wife has booked a Scotland vacation which includes a Tesla Model S. I think this might fall into the "exotic cars" category of uncovered cars on my credit card. I wou...
by McCharley
Fri Apr 05, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38691

Re: "The best and worst U.S. states for retirement"

If Hawaii isn't #1 then their algorithm is wrong.
by McCharley
Wed Mar 06, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9866

Re: How often do you and your friends change engine oil?

I only drive it 1000 miles a year, and I change the oil yearly. Mechanics have generally agreed with me that this is fine, but car lover friends say I am abusing it. :confused Your mechanic is right, ignore your friends. My father-in-law drives about 4500 miles/year and I change his once a year. It...
by McCharley
Tue Feb 26, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9866

Re: How often do you and your friends change engine oil?

The only answer that matters is in the car owners manual. The manual for my Toyota Tacoma says to change the oil every 5000 miles or 6 months, whichever is sooner. I only drive it 1000 miles a year, and I change the oil yearly. Mechanics have generally agreed with me that this is fine, but car love...
by McCharley
Sat Feb 16, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens
Replies: 37
Views: 1974

Re: Refurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens

OK, there have been a few folks on here saying that less is more, and I agree. :beer I have stripped down to the Fuji X100 (mine is a X100s, but they are now up to X100f). It is beautiful and intuitive. Zoom with your feet. The optics are on par with large lenses; they pushed them back into the came...
by McCharley
Sat Dec 29, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2507
Views: 575634

Re: What is your Year 2018 networth change?

Wow, you're really bond heavy relative to most people on this forum.

I'm down about 7%, but I'm 60% in equities. :moneybag
by McCharley
Thu Dec 27, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 5300

Re: Remove damaged coating from prescription glasses

A few have raised questions -- First, when I said the "better part of $1000" it was more like $600-$700 with the examination. Sorry for the confusion. And yes, Costco and Zenni would both be cheaper -- I've gotten sunglasses at Costco and was very satisfied. These are fancy frames from a f...
by McCharley
Wed Dec 26, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 5300

Remove damaged coating from prescription glasses

Dear Boglers, I have worn glasses my whole life. 8-) Recently I have moved to "progressive lenses" which are like bifocals and cost the better part of a thousand dollars. :moneybag My prescription changes very little year-to-year, but every two years my glasses would become unusable due to...