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Re: Cash Back Credit Cards

CapitalOne Quicksilver. 1.5% and no need to open up a separate account (such as a savings / investment account) anywhere. You can set up the reward so it automatically reduces your card balance when it hits a pre-set amount such as $25 or just manually redeem the rewards whenever you want.
by danwhite77
Wed Dec 10, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Cards
Replies: 28
Views: 2719

Re: Outdoor HDTV Antenna and DVR Setup

Here's an update with my plan: I picked up the DB4e antenna from Antennas Direct. They price matched with Amazon so total with a VHF adapter was ~$90 shipped. They have a 90 day money back return policy and the customer service has been great. I also picked up some coax cables and couplers from mon...
by danwhite77
Wed Dec 10, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 40
Views: 3309

Re: Outdoor HDTV Antenna and DVR Setup

Another vote here for AntennasDirect. We've been using their antennas for five years now and they work extremely well. The DB4e linked above would almost certainly do the trick. We have an old DB2 in our attic and we're about 15 miles away from most signals and we never have signal problems. If you ...
by danwhite77
Wed Dec 10, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 40
Views: 3309

Re: What do you do with Fidelity Rewards?

Fidelity offers both Visa Signature and AMEX cards. The rewards are intended to go into existing investment accounts. I have neither. If the purpose of the card is to feed your investment accounts (save for retirement), why is the card used for cash purchases? I find it interesting that those who a...
by danwhite77
Fri Dec 05, 2014 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1819

Re: Now I certainly do not understand investments in Hedge F

You might be interested in this article today that talks about Buffett's bet with a hedge fund regarding whether the S&P 500 can beat the hedge fund's return over ten years. There's still plenty of time left on the clock and if the S&P 500 tanks between now and when the bet ends (there are s...
by danwhite77
Thu Dec 04, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Now I certainly do not understand investments in Hedge Funds
Replies: 9
Views: 1122

Re: Will Vanguard ever offer a passbook savings account?

I'm having trouble finding it now, but I believe when McNabb was on Twitter answering questions several years ago, I asked him this very question (i.e., will you open an online bank?). His response was something along the lines of 'there are regulatory hurdles to Vanguard opening a bank, but we are ...
by danwhite77
Tue Dec 02, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2365

Re: Downhill Skis

You may want to PM fishnskiguy and EmergDoc. They are among the hard core skiers on the board.
by danwhite77
Tue Dec 02, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Downhill Skis
Replies: 10
Views: 1267

Re: Which degree makes more sense for a late starter

3. Option 3: A few advisors and friends have suggested law school. Law school is only advisable in a very, very narrow set of circumstances. The following links are required reading for anyone currently considering law school: http://insidethelawschoolscam.blogspot.com/ http://www.amazon.com/Dont-L...
by danwhite77
Tue Dec 02, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Which degree makes more sense for a late starter
Replies: 54
Views: 3985

Re: Bumped out of first class at boarding - compensation?

United is the worst, fly (or buy your tickets through) any airline other than United.
by danwhite77
Mon Nov 24, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6360

Re: 75w LED bulb in a 60w socket?

I've done exactly this in a number of fixtures (for the same reason) and they've been fine for the past year. My only caveat is that LEDs don't like to get too hot, so if your fixture is closed you might want to keep that in mind. But if air escapes from the fixture at any point, you're probably fin...
by danwhite77
Mon Nov 17, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 2333

Re: Good books about Warren Buffett?

Snowball is terrible. It's written as if the editors of US Weekly decided to write a biography of Buffett composed of nothing other than gossip about the personal lives of the people around him. I couldn't make it more than 50 pages. Atrocious. On the other hand, "Buffett: The Making of an Amer...
by danwhite77
Tue Nov 11, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 1056

Re: What individual stock?

The only individual stock I hold in a meaningful amount is Berkshire Hathaway.
by danwhite77
Fri Nov 07, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: What individual stock?
Replies: 20
Views: 1433

Re: Is Vanguard a good place to invest?

I've invested using a number of different organizations over the years, Vanguard, Fidelity, Schwab, Ameritrade, Zecco, Tradeking, and any number of banks. Vanguard has always had great service for me, on par or better than any other organization. The difference is that they don't charge me as much!
by danwhite77
Mon Nov 03, 2014 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5123

Re: Comparing Total Returns of Top CD Offerings with an S&P

That's a silly blog post. The average return for the S&P 500 isn't much more than the CD yields back in 06 and 07. The S&P has yielded 9.8% on average (reinvested dividends) since 1965. So you would expect the average, depressed by a deep bear market, to yield less than cherry picked high yi...
by danwhite77
Sun Nov 02, 2014 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Comparing Total Returns of Top CD Offerings with an S&P 500
Replies: 38
Views: 2265

Re: What online banks do you like for savings or MMA?

I use Ally and I'm happy with them. I used to use CapitalOne, for a long time. I became fed up when it seemed like CapOne had multiple online savings options and somehow my option was never the highest advertised interest rate. I chose Ally for that reason, they have one rate for savings and that's ...
by danwhite77
Wed Oct 29, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 3159

Re: It's a good day to adhere to your IPS

sailfish2 wrote:I am somewhat of a newbie - what's an IPS?


Investment Policy Statement. http://www.bogleheads.org/wiki/Investme ... _statement

If you're new, I recommend checking out the wiki here: http://www.bogleheads.org/wiki/Main_Page
by danwhite77
Wed Oct 15, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to adhere to your IPS
Replies: 19
Views: 1909

Re: It's a good day to adhere to your IPS

I think it's just a reminder--every day is a good day to adhere to your IPS. That's right, Paul, and it's also a response to the number of silly threads we've seen lately with people being a bit braggy about whatever asset class they favor. For example: Bonds: http://www.bogleheads.org/forum/viewto...
by danwhite77
Wed Oct 15, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to adhere to your IPS
Replies: 19
Views: 1909

It's a good day to adhere to your IPS

Just like every other day of the year, regardless of what the market does.

Sure, it's not as fun as "It's a good day to be heavy in [insert whatever is up today]," but are we not Bogleheads?
by danwhite77
Wed Oct 15, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to adhere to your IPS
Replies: 19
Views: 1909

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

There are a lot of factors that go into buying a house and interest rates are only one of the factors. I am a big Buffett fan but he's not always right. I think the quote above is what he doesn't understand. The U.S. population's opinion of real estate and their own job security has been altered by...
by danwhite77
Fri Oct 10, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9839

Re: When people put all their eggs in the wrong basket

Even a Vanguard actively-managed fund got caught up pretty severely. Vanguard Capital Value fund had 2% of its portfolio in GTAT Boggles my mind that any fund, Vanguard or otherwise, with the term "Value" in its name could have been holding GTAT. How is that a "value" company? G...
by danwhite77
Thu Oct 09, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 29891

Re: When people put all their eggs in the wrong basket

Since Jim Cramer has come up repeatedly in this thread, I thought you all might get a kick out of this parody article on his show:

http://www.theonion.com/articles/everyo ... -no,32346/
by danwhite77
Thu Oct 09, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 29891

Re: Am I on Track?

First step is that you should definitely relax! :happy

Check out the wiki on retirement planning: http://www.bogleheads.org/wiki/Boglehea ... art-up_kit

For other research, here's the main wiki page: http://www.bogleheads.org/wiki/Main_Page
by danwhite77
Mon Oct 06, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on Track?
Replies: 16
Views: 1645

Re: Sump Pump Running Every 8 Minutes?

I agree with Tigermoose's guess. I had the same issue, my house had a sump pump that fed into the sewer. That's definitely not code, but people do it (for multiple reasons, I'm sure) because if you're in a cold climate you can be certain the line won't freeze at any time. What you should do is deter...
by danwhite77
Mon Oct 06, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1698

Re: Would you buy a house in cash if you had enough?

With numbers fairly close to what OP originally described I bought a house for cash two and a half years ago. So my answer and experience is that I would pay cash.
by danwhite77
Fri Oct 03, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4433

Re: Why not 100% Stocks?

danwhite77 misses the critical point, which technovelist has highlighted: you can lose money not just through behavioral errors, but because markets go down, stay down, and don't recover in the time frame you need them to recover .... There's a list of stock markets which have gone to zero... and i...
by danwhite77
Thu Oct 02, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21898

Re: Why not 100% Stocks?

Thanks Dan. I think that is where I am. I probably need 5% of my portfolio liquid for next 5 years, for cash needs. The rest can be somewhat illiquid. If I don't need it for 10-15 years, then wouldn't I be better just letting it grow in equities? I can afford to wait out bear markets and can rebala...
by danwhite77
Thu Oct 02, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21898

Re: Why not 100% Stocks?

I'm 100% equities now and I have been for about 10 years now. Lately we've seen a lot of these threads. We didn't see as many five years ago. Risk in my opinion is defined as the permanent loss of capital. Fundamentally there are two ways that you can permanently lose capital in investments: selling...
by danwhite77
Wed Oct 01, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21898

Re: I want to pay off my mortgage.

We need more information to advise you. That said, being debt free is great, but I would take a balanced approach. Consider paying off a large amount, but not all of the loan, in the near term and then leaving an amount you're comfortable with in Vanguard. Vanguard offers you the ability to capture ...
by danwhite77
Wed Oct 01, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2746

Re: Any success stories of ppl who never made >$50,000?

This lady enjoyed some incredible luck, but here's an example for OP of someone who made very little but amassed a fortune. The folks over on Early-Retirement are discussing the story.

http://blogs.barrons.com/penta/2014/09/ ... f-buffalo/
by danwhite77
Tue Sep 16, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10415

Re: Any success stories of ppl who never made >$50,000?

In my mind, Bogleheads isn't about numbers, it's about philosophy. The number of zeroes behind the first number really doesn't matter - it's your approach to investing that's important. I don't have my copy handy, but in Jack's book "The Little Book of Common Sense Investing" he relates th...
by danwhite77
Tue Sep 16, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10415

Re: Quit/retire - should I do this?

3rd flaw: You haven't retired yet! :D

Now go do it!
by danwhite77
Thu Sep 11, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit/retire - should I do this?
Replies: 41
Views: 3892

Re: Remove Cigarette Smoke Smell from House?

I've done it twice, so yes it can be done. Killz Max primer (maximum stain and odor protection) is your friend. Everything else needs to be carefully cleaned or removed. I recently posted on a similar thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=141127 Nothing really to add beyon...
by danwhite77
Mon Sep 08, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1503

Re: Buying a home with aluminum wiring?

I'm not sure if people around here are purchasing aluminum futures, but here are two facts of which I am certain. First, I have seen aluminum wiring mated to copper wiring fail and leave a molten mess inside an electrical box. That's scary. Second, my relative who has been an electrician for over 25...
by danwhite77
Wed Aug 20, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 5234

Re: Buying a home with aluminum wiring?

Long story short there is no good way to mate copper and aluminum. They don't even make the best product anymore, the "copalum" product, due to liability concerns. Get a licensed electrician to come out and give you an estimate on rewiring it all. If it's all in conduit that shouldn't be t...
by danwhite77
Tue Aug 19, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 5234

Re: Berkshire Hathaway A's about to hit $200k/pps

skepticalobserver wrote:So, what’s the point in owning BRK?


As a shareholder (BRK.B) for the last decade, the point is the appreciation.
by danwhite77
Thu Aug 14, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2947

Re: Student Loans

Also I meant to mention that tuition inflation clocks in close to 10% a year depending on the school. This phenomenon has slowed down but if you're looking at schools charging 45k a year you can expect tuition to be in the mid to high 50s by the time you graduate.
by danwhite77
Tue Aug 12, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3448

Re: Student Loans

The reason people say 200k is because tuition is just the base amount. There are numerous fees in addition, plus room, plus board. Books alone are hundreds a semester. Also remember that interest generally accrues on those loans from the moment you take them out, that is not a small sum after three ...
by danwhite77
Mon Aug 11, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3448

Re: Student Loans

I plan to go to law school. Don't do it. Read every post in this blog, written by a tenured professor at the University of Colorado Law School, that lays out why going to law school today is a terrible idea: http://insidethelawschoolscam.blogspot.com/ Start with the first post here http://insidethe...
by danwhite77
Sun Aug 10, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3448

Re: Insulation Question

Below is a thread I started regarding spray foam insulation. There's a lot of good discussion in the comments. We have our HVAC ductwork in the attic, unfortunately, which amplifies the loss of hot and cool air from the climate control system. I still have not decided between blow-in and spray foam....
by danwhite77
Fri Aug 08, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Insulation Question
Replies: 25
Views: 2176

Re: Who or what inspired you and your investing approach?

A fantastic professor at NYU's business school named David Yermack. In one of his classes he led me to the door of indexing and even identified Vanguard by name. NYU's tuition for that year was expensive, but his advice alone has paid many dividends!
by danwhite77
Wed Aug 06, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4790

Re: But why not 100% stock index fund?

I'm 100% equities and I have been for about a decade now. My answer is that you don't know how you'll react until a big downturn happens. I always assumed that I could stomach the Great Recession bust in equities but I didn't know that for certain until it happened. There seem to be a high number of...
by danwhite77
Tue Jul 15, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 8006

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

We recently bought a Kitchenaid refrigerator and it makes an obnoxious intermittent grinding noise. After multiple rounds with service techs and Kitchenaid's "customer support" we were told tough luck. I would recommend staying away from Kitchenaid refrigerators because ours, at least, has...
by danwhite77
Fri Jul 04, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 49
Views: 4434

Re: Geico? No, thank you...

We've had Geico for many years and we love it. However, we're very safe drivers without any significant risk factors (e.g., accidents, tickets, etc.). YMMV.
by danwhite77
Sat Jun 14, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5696

Re: Help with smoky condo sought

We moved into a condo that reeks of cigarette smoke. Airing it out this spring has helped temporarily, but the smell returns once windows are closed. The condo does appear to have been painted and cleaned before we moved in. There is a lot of wall-to-wall carpeting that looks fairly clean but may b...
by danwhite77
Sat Jun 14, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Help with smoky condo sought
Replies: 15
Views: 1549

Re: Engagement Ring - Diamond Help

If you want a good deal you can go with bluenile.com.. You'll probably get the most bang for you buck. +1 for Blue Nile. I bought my wife's engagement ring from them a long time ago (11 years - a long time for an etailer anyway). Best price and, as an added bonus, you don't have deal with shady jew...
by danwhite77
Fri Jun 13, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4689

Re: Am I A Moron

I keep an emergency fund slightly larger than what you've referenced at all times. I think anyone calling you a moron for having done so is showing their financial naivete. Just put the cash in the highest yield bank account you can find that's FDIC insured. Naturally, there's some great advice on a...
by danwhite77
Fri Jun 06, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I A Moron [savings account as an asset class]
Replies: 47
Views: 2895

Re: Pay off huge student loan vs Investing

Brand-new to this board and to trying to get out of debt in general. Everything I have read online so far directs me here, so here is my initial go: New job in new location has tripled income to a point where investing/taxes have to be a priority for my family (married/4 kids). Up to this point we ...
by danwhite77
Wed May 28, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off huge student loan vs Investing
Replies: 46
Views: 3236

Re: in-laws/student loans

I'm agnostic on this boyfriend discussion, to me at the end of the day you should NOT cosign for any further loans regardless of her relationship status. If you want to help out with payments later -- at your sole discretion -- great, go ahead and do that. By cosigning a loan, you are every bit as l...
by danwhite77
Wed May 28, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2585

Re: Replace Gas Guzzler with Toyota Prius Lease?

My initial thought is the benefit you're trying to achieve with a Prius is the increased MPG (and corresponding decrease in fuel expense) as compared to the "gas guzzler." You mention that you're not worried about mileage caps and overage costs. Why not? The mileage caps and overage costs ...
by danwhite77
Fri May 16, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Replace Gas Guzzler with Toyota Prius Lease?
Replies: 24
Views: 2084

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

My situation is a somewhat unique so I thought I'd add my story. As with many commenters here I have not told anyone absent specific questions such as "What did you do for your mortgage?" or something similar. I don't want to lie, so I'm truthful, but I don't volunteer the information exce...
by danwhite77
Wed Apr 30, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13021
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