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Re: Florida in the summer

I never once had to scrape sunshine off my windshield
by JDaniels
Sun Jan 18, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5597

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2185.95
by JDaniels
Thu Jan 01, 2015 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19922

Re: My Christmas Message To You -- 70 Years Ago.

Taylor,

You and your generation literally saved the world.

Thank you and Merry Christmas!
JDaniels
by JDaniels
Thu Dec 25, 2014 12:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5237

Re: Car purchase: Buy or Finance

My vote is to pay cash. Something that might be helpful, car dealerships make more money with their finance departments than the actual sales of the cars. So of course, they want you to choose financing. That is, unless you go to the dealership on the last day/weekend of the month. They're trying to...
by JDaniels
Sun Dec 21, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Car purchase: Buy or Finance
Replies: 41
Views: 4573

Re: White Coat Investor in Forbes

Congrats WCI! I regularly recommend your website to friends in the medical and other professional fields :happy
by JDaniels
Sun Dec 21, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 6470

Re: How do you define "being rich"?

Having enough money so I don't have to think about money
by JDaniels
Sun Dec 21, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9550

Re: What makes you happy in life?

Life itself makes me happy :happy
by JDaniels
Sun Dec 21, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: What makes you happy in life?
Replies: 29
Views: 2312

Re: Gift to Yourself

New socks. I don't need much to be happy :happy
by JDaniels
Sun Dec 21, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 5224

Re: Do I Pay Cash for my home?

My vote is yes, pay cash.

Congratulations!
by JDaniels
Sun Dec 21, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Cash for my home?
Replies: 49
Views: 4067

Re: First time buyer - mortgage advise

Check to see if there are any stipulations if they sell your mortgage, which is very common. Make sure you can still maintain the lower rate. I prefer to pay my property tax and insurance seperately. The reason is the bank will typically keep extra money in escrow than needed in case your taxes or i...
by JDaniels
Mon Nov 10, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advice
Replies: 22
Views: 2433

Re: Donating Your Body to Medical School, etc.

I'm donating my body to science.......science fiction
by JDaniels
Mon Nov 10, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 5042

Re: Oatmeal suggestions

Ok, here's my favorite:
1 cup steel cut oatmeal
1 scoop egg or whey protein powder (any flavor)
3 cups water
Almonds or walnuts
Raisins or cranberries
Coconut flakes

For me, the perfect breakfast :D
by JDaniels
Thu Oct 30, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 13617

Re: It's pretty freaky watching your stocks go up & down all

I think everybody should go through this. In a way, living through the recent big crash was the best way for me to begin as a seriuos investor. You don't know your real risk tolerance until you see massive amounts of money disappear in a microsecond. Agreed. Hopefully, it happens early in your inve...
by JDaniels
Tue Sep 23, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 6183

Re: How to achieve a balance between "saving" and "living"?!

For us, the phrase "first things first" has always worked well for this situation. Once we have all of our "first things first" money setup to be saved and invested AUTOMATICALLY (that's the secret), anything other than that is money which can be used on hobbies, eating out and o...
by JDaniels
Tue Sep 23, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6857

Re: Why don't you do Financial Planning?

I don't think I'd be able to charge much simply recommending people to come to this site :D
by JDaniels
Tue Sep 23, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3531

Re: Cast Iron Skillet Cooking

Agreed. We have the same brand and size as you. We use it all the time on our grill. Peppers and onions with chicken for fajitas are one of our favorites
by JDaniels
Tue Sep 23, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 109
Views: 13112

Re: Investing is starting to get boring

Congratulations! You're right where you should be. Now set your investments on auto pilot and go spend your time on something you enjoy.
by JDaniels
Sun Jul 13, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 4412

Re: What ONE investing book or article for skeptical sibling

Another vote for The Little Book of Common Sense Investing" by John C Bogle. This was the book that opened my eyes.
by JDaniels
Sun Jul 13, 2014 8:10 am
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 3110

Re: Valuing a personal residence for net worth purposes

I take the average of realtor.com, trulia.com and zillow.com. Then i deduct 6%.
by JDaniels
Sat Jul 05, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 5108

Re: Who do you talk with about your financial goals?

We prefer to practice "stealth wealth". I do however have the opportunity to interact with many newly hired employees at my Megacorp. At the proper time, such as lunch or after working hours, i do recommend that they get involved with the company provided 401k. At least to get the match. I...
by JDaniels
Sun Jun 29, 2014 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 10146

Re: New to the investment game..

"I still claim 0 on my W2 to get a bigger refund at the end of the year (roughly $5,000) that I plan to save as much as possible each year." You're essentially giving the government a 0% interest loan. By increasing your withholdings and setting up that extra money to invest automatically,...
by JDaniels
Mon May 26, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: New to the investment game..
Replies: 12
Views: 1030

Re: Restaurants in New York City?

Josie's on 74th and Amsterdam. A great locals spot.
by JDaniels
Mon May 26, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 3030

Re: Pay off son's mortgage - need advice

With all due respect, I do not think its a good idea to pay off his mortgage.
by JDaniels
Mon May 26, 2014 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay off son's mortgage - need advice
Replies: 14
Views: 1069

Re: Monthly maintenance cost for a house?

HOA fees may be applicable
by JDaniels
Sun May 18, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly maintenance cost for a house?
Replies: 28
Views: 2459

Re: Can I be a boglehead and join a golf club?

To me, a Boglehead is someone who is smart with their money. Not someone who is a miser with it. As far as answering the question if the golf club is worth 8k, honestly, only you can do that. It would be different for each person. Ask yourself this, would joining the golf club give you 8k worth of p...
by JDaniels
Sun May 11, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4825

Re: In dire need of perspective!

What good is all that extra money if it's going to medical bills? Do a double check on your calculations and if satisfied, get out of there. I'm sure after all of these years you deserve it. Good luck!
by JDaniels
Sun May 11, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: In dire need of perspective!
Replies: 14
Views: 1053

Re: Did you tell anyone you paid off your mortgage?

We prefer to practice "stealth wealth" :D
by JDaniels
Thu May 01, 2014 5:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13084

Re: Mom and Pop Step Up Their Trading

I guess everthing nowadays has to be " extreme". Lol.
by JDaniels
Thu Apr 24, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Step Up Their Trading
Replies: 18
Views: 2295

How to convince family & friends to use Boglehead Method?

I've found that this is similar to trying to convince someone that exercising and eating healthy is beneficial to them as well. They have to convince themselves.
by JDaniels
Sun Feb 23, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4861

Re: How do you treat collectibles? [as part of asset allocat

I dont consider them into my AA, however, i do count them as part of net worth.
by JDaniels
Sun Feb 02, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: How do you treat collectibles? [as part of asset allocation]
Replies: 29
Views: 2004

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy birthday Taylor! Thank you for what you did for your country and thank you for what you do for the Bogleheads :sharebeer
by JDaniels
Thu Jan 23, 2014 5:02 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23419

Re: Does advice of saving 10% of income for retirement still

15% for 25 years now. I don't think having that other 5% would have made any difference in our lifestyle. I do know the extra 5% makes a HUGE difference in our investments.
by JDaniels
Sun Jan 19, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does advice of saving 10% of income for retirement still app
Replies: 23
Views: 2336

Re: Relax... Even "poor" bogleheads are exceptional

So you are going to post about how others are doing poorly to try to help people feel adequate. If people are feeling inadequate, then they should re-evaluate their lives and fix what is wrong. Adequacy should not come from comparisons to others. IMHO The carrot and the stick, brother. You can beat...
by JDaniels
Mon Jan 06, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relax... Even "poor" bogleheads are exceptional
Replies: 31
Views: 4166

Re: Net Worth compared to Earnings History

To expand on The Millionaire Next Door formula, If you are in the top quartile for wealth accumulation, you are a PAW or prodigious accumulator of wealth. If you are in the bottom quartile, you are a UAW or under accumulator of wealth. To be well positioned in the PAW category you should be worth t...
by JDaniels
Sun Jan 05, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth compared to Earnings History
Replies: 19
Views: 2937

Re: Net Worth compared to Earnings History

Perhaps for the 40+ crowd Stanley's PAW formula makes sense, but not for younger savers. Many people see rapid salary increases into their mid-30's though. A 32 year old may be earning double what she was earning at 26. It seems silly to base any formula on the new higher salary she's only been pul...
by JDaniels
Sun Jan 05, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth compared to Earnings History
Replies: 19
Views: 2937

Re: Net Worth compared to Earnings History

Good point. I edited my original post to use earnings history instead of Social Security earnings.
by JDaniels
Sat Jan 04, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth compared to Earnings History
Replies: 19
Views: 2937

Re: Settle Real Estate argument - what would you do?

I would sell it. If you enjoy being a landlord, you may be able to find something cheaper, possibly even purchase another condo cash from the proceeds of this one. You would then be cash positive next month.

Good luck!
by JDaniels
Sat Jan 04, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Settle Real Estate argument - what would you do?
Replies: 22
Views: 2249

Net Worth compared to Earnings History

Bogleheads, First, I want to wish all of you and your families a very happy, healthy and prosperous new year! I've seen many threads and articles on net worth relative to where you are based on your age. It seems the most popular equation is: (Age * Income) / 10. The answer to this equation signifie...
by JDaniels
Sat Jan 04, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth compared to Earnings History
Replies: 19
Views: 2937

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2010

Happy new year everyone
by JDaniels
Wed Jan 01, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15895

Re: vanguard prime money market fund

sscritic wrote:Can you transfer money from your CD by ACH to buy shares of TSM? I don't even need to use ACH to buy TSM from PMM.


Just remember to keep this on the QT because if it leaks to the VC we'll all get put on KP :wink:
by JDaniels
Sun Dec 29, 2013 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard prime money market fund
Replies: 23
Views: 2769

Re: What Book Are You Currently Reading? Part V

The new Mr. John C. Bogle book, The Man in the Arena.
by JDaniels
Sun Dec 29, 2013 7:37 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1269025

Re: Dave says $300 a month can grow to $3M

"they could end up with $3,000,000 in forty years."

I think the important word here is "could".
by JDaniels
Mon Dec 09, 2013 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8935

Re: What do early retirees actually do in Florida?

Another "did you know about Florida", National Geographic voted St. Augustine one of the top 10 places in the world (yes, world) to see Christmas lights! :D http://travel.nationalgeographic.com/travel/top-10/holiday-lights-photos/ My wife and I always enjoy the Holly Jolly Trolley each yea...
by JDaniels
Mon Dec 09, 2013 8:12 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 15545

Re: Where in New Jersey to buy home with NYC commute, childr

I would recommend the East Hanover, Whippany, Florham Park areas.

Very easy commute to NYC via train in next town (Morristown)

Lower taxed area than comparable NJ towns.

Excellent school systems.

Good luck!
by JDaniels
Mon Dec 09, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 5074

Re: A thank-you to veterans

Thank you to all who served.
by JDaniels
Mon Nov 11, 2013 6:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A thank-you to veterans
Replies: 32
Views: 1148

Re: Crossed the 100k Retirement Barrier!

Congratulations on hitting one of your goals!
by JDaniels
Sun Nov 03, 2013 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Crossed the 100k Retirement Barrier!
Replies: 24
Views: 1685

Re: Where to invest money used for house down payment?

I've always considered that if the need for the money was less than 5 years away, it's considered saving, not investing. Saving is always using safe mediums such as savings accounts, money markets, cd's. Not much return but very safe for your needs.
by JDaniels
Sat Sep 28, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest money used for house down payment?
Replies: 11
Views: 2142

Re: Mortgage refi to 10yr?

technovelist wrote:Not with such a small rate differential. Just pay the existing one off on a 10-year amortization schedule.


+1. This will also allow you to have the ability to temporarily go back to the 15 year payment if the financial need arises.
by JDaniels
Tue Sep 03, 2013 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage refi to 10yr?
Replies: 11
Views: 1332

Re: passive investors are parasites!

Lol. Iv'e been called worse. :D
by JDaniels
Tue Sep 03, 2013 11:15 am
 
Forum: Investing - Theory, News & General
Topic: passive investors are parasites!
Replies: 15
Views: 2585
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