Search found 233 matches

by JDaniels
Wed Aug 24, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 101
Views: 5435

Re: How do you view debt?

As a four letter word.
by JDaniels
Mon Apr 04, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance KPI's
Replies: 2
Views: 455

Re: Personal Finance KPI's

Klangfool,

I agree. Another good example of LBYM.
by JDaniels
Mon Apr 04, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance KPI's
Replies: 2
Views: 455

Personal Finance KPI's

Interesting article on some personal finance KPI's not necessarily discussed in equation format: http://bassamsalem.com/2013/09/22/personal-finance-kpis/ 1. Relative Wealth Index 2. Asset Appreciation Index 3. Living Within Means Index 4. Income Independence Index 5. Life Happiness Index I agree wit...
by JDaniels
Tue Nov 24, 2015 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Executive Interview - Suit Color and Style
Replies: 46
Views: 3319

Re: Executive Interview - Suit Color and Style

Navy blue suit, white shirt with a tie with red in it. Navy blue and red striped tie works well. Three other small items that make a big difference: 1. Shoes and belt same color. Black shoes with brown belt is a no go. 2. Match your metals. Pick gold or silver. A mix doesnt look as good. 3. Metal co...
by JDaniels
Mon Nov 02, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Flow
Replies: 16
Views: 2589

Re: Cash Flow

It's a good first step. Looking closer at exactly what is going out will probably reveal some shocking, unnecessary expenses. Those are now found savings/investments.
by JDaniels
Mon Nov 02, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 61
Views: 3787

Re: Protein Bars and Smoothies

I'd recommend making your own. There are so many ingredients in popular bars and powders, you have no idea how a particular ingredient will affect your body years from now. I prefer smoothies. I have plenty of recipes but here is one I call "The Rookie": Milk Almond Butter Frozen Banana Al...
by JDaniels
Sun Oct 18, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Taking Investment Out for Wedding
Replies: 41
Views: 3451

Re: Taking Investment Out for Wedding

$40,000 over 40 years at 8% is over $860,000. Just saying.
by JDaniels
Sat Oct 17, 2015 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Just when i get my strategy together, I stumble on this article..Roth's suck?
Replies: 48
Views: 7399

Re: Just when i get my strategy together, I stumble on this article..Roth's suck?

I like to have choices as to where to eventually pull money from an account.

1. 401k up to company match
2. Roth
3. Back to 401k
4. Taxable
by JDaniels
Mon Oct 12, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Budget for decorating a house
Replies: 24
Views: 2157

Re: Budget for decorating a house

So in your post a few hours later, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=175537&newpost=2653226 You say it's hard to save, but you're looking to spend six figures on decorations? I think you need to just stop, slow down and figure out exactly what are your family financial go...
by JDaniels
Mon Oct 12, 2015 6:25 pm
Forum: Personal Consumer Issues
Topic: Budget for decorating a house
Replies: 24
Views: 2157

Re: Budget for decorating a house

So in your post a few hours later, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=175537&newpost=2653226 You say it's hard to save, but you're looking to spend six figures on decorations? I think you need to just stop, slow down and figure out exactly what are your family financial go...
by JDaniels
Mon Oct 12, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: Budget for decorating a house
Replies: 24
Views: 2157

Re: Budget for decorating a house

So in your post a few hours later, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=175537&newpost=2653226 You say it's hard to save, but you're looking to spend six figures on decorations? I think you need to just stop, slow down and figure out exactly what are your family financial goa...
by JDaniels
Sat Oct 10, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: MEN, how do you carry your TABLET when Shopping?
Replies: 75
Views: 6739

Re: MEN, how do you carry your TABLET when Shopping?

Wallet, left front pocket. Car keys, right front pocket. That's all a man needs.
by JDaniels
Mon Sep 07, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: 8,000 Gallon Pool in FL - Chlorine vs. Saltwater Conversion ?
Replies: 27
Views: 3109

Re: 8,000 Gallon Pool in FL - Chlorine vs. Saltwater Conversion ?

No experience in the conversion from chlorine to saltwater as our pool was already saltwater when we purchaesd the home. We do enjoy the saltwater much more than chlorine. Even though there is chlorine being generated by the system, your skin doesn't dry out like a conventional chlorine system. The ...
by JDaniels
Mon Jul 27, 2015 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2950

Re: New Car - Cash or Finance?

I hate financing depreciating assets. I'd buy it cash.
by JDaniels
Mon Jul 27, 2015 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: finance a car or lease it
Replies: 11
Views: 835

Re: finance a car or lease it

JupiterJones wrote:
Winsome wrote:Seems as though everyone they talk to does the lease.


Everyone they talk to is probably broke. Don't listen to them.

Listen to Beth*.


Or everyone they talk to is a car salesperson.

Listen to JupiterJones who is listening to Beth*
by JDaniels
Mon Jul 27, 2015 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need a Piece of Evidence on the Boglehead Strategy
Replies: 34
Views: 3333

Re: Need a Piece of Evidence on the Boglehead Strategy

How long do you plan to invest? 10, 20, 40 years? Try finding an advisor who has beaten the average by over 6% for those years to offset those fees. I doubt you'll find one.
by JDaniels
Mon Jul 27, 2015 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 2100

Re: Penny Stocks

Here's a question to ask yourself, if he knows so much about penny stocks, why does he need to publish a newsletter? He could sit at home all day, make a few trades and by the end of the year, have more money than Gates and Buffet combined. Run, don't walk, run away.
by JDaniels
Fri Apr 17, 2015 5:15 am
Forum: Personal Consumer Issues
Topic: Amelia Island vacation
Replies: 11
Views: 1749

Re: Amelia Island vacation

I'm going to 2nd a vote for Ponte Vedra Beach for obvious reasons. Lol. Then, drive down scenic A1A to St. Augustine. Once there, I recommend Columbia restaurant. Excellent food!
by JDaniels
Sat Mar 21, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 9223

Re: What Age Did You First Ponder Financial Independence?

Another thumbs up for Monopoly. I remember playing that game at a very young age and realizing I could buy something once and someone else would pay me many times for it. That thought process for real estate transformed into similar thinking towards compounding interest. Magical stuff when you reali...
by JDaniels
Tue Mar 03, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 7423

Re: Taylor Larimore Honored

No one deserves it more. Congrats Taylor!
by JDaniels
Tue Mar 03, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Opinions on living in Jacksonville FL?
Replies: 19
Views: 2514

Re: Opinions on living in Jacksonville FL?

Jacksonville is a huge city with many different areas. If you're looking for areas close to Mayo, I would recommend Ponte Vedra Beach. My wife and I love it here. Many of our friends who work at Mayo live here and they enjoy it as well. She would only be about 10 minutes away and she wouldn't have ...
by JDaniels
Tue Mar 03, 2015 9:32 am
Forum: Personal Consumer Issues
Topic: Opinions on living in Jacksonville FL?
Replies: 19
Views: 2514

Re: Opinions on living in Jacksonville FL?

Jacksonville is a huge city with many different areas. If you're looking for areas close to Mayo, I would recommend Ponte Vedra Beach. My wife and I love it here. Many of our friends who work at Mayo live here and they enjoy it as well. She would only be about 10 minutes away and she wouldn't have t...
by JDaniels
Sun Jan 18, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 6787

Re: Florida in the summer

I never once had to scrape sunshine off my windshield
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: 6438

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
Sun Dec 21, 2014 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase: Buy or Finance
Replies: 41
Views: 5427

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 7:32 am
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 7039

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 7:20 am
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 11344

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 7:17 am
Forum: Personal Consumer Issues
Topic: What makes you happy in life?
Replies: 29
Views: 2830

Re: What makes you happy in life?

Life itself makes me happy :happy
by JDaniels
Sun Dec 21, 2014 7:16 am
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 5756

Re: Gift to Yourself

New socks. I don't need much to be happy :happy
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: 4927

Re: Do I Pay Cash for my home?

My vote is yes, pay cash.

Congratulations!
by JDaniels
Mon Nov 10, 2014 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advice
Replies: 22
Views: 2699

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 7:58 pm
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 5721

Re: Donating Your Body to Medical School, etc.

I'm donating my body to science.......science fiction
by JDaniels
Thu Oct 30, 2014 7:41 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 17886

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
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: 7106

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 6:33 pm
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 7658

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 6:28 pm
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 4065

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 6:26 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 127
Views: 24771

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
Sun Jul 13, 2014 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 4868

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 8:10 am
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 3384

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
Sat Jul 05, 2014 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 5823

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
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: 12211

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
Mon May 26, 2014 8:09 am
Forum: Investing - Help with Personal Investments
Topic: New to the investment game..
Replies: 12
Views: 1150

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 7:57 am
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 3563

Re: Restaurants in New York City?

Josie's on 74th and Amsterdam. A great locals spot.
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: 1224

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
Sun May 18, 2014 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly maintenance cost for a house?
Replies: 28
Views: 2836

Re: Monthly maintenance cost for a house?

HOA fees may be applicable
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: 5574

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 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: In dire need of perspective!
Replies: 14
Views: 1244

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!

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