Search found 367 matches

by danwhite77
Fri Jan 29, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 3818

Re: Two spenders and buying a house

goodlifer wrote:My first thought when reading the op was, "How could you fit 5 bedrooms and 3 baths in just 2800 sq ft???"


I had to chuckle at this. We have 2000 sq ft, five beds, and 2.5 bath. There is absolutely no wasted space on the second floor where all of the bedrooms are located.
by danwhite77
Tue Jan 12, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Home window quotes
Replies: 16
Views: 1496

Re: Home window quotes

You probably already saw the thread that I posted a few years ago about Marvin vs. Andersen windows. The link is below in case you missed it. I would encourage you to get an Angie's List subscription (there are coupons all over the web - it's about 10 bucks a year). Then I would select a group of co...
by danwhite77
Sun Dec 13, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Online Savings
Replies: 46
Views: 3810

Re: Capital One Online Savings

I moved from CapOne 360 to Ally years ago and I've been very happy. It was a pain to move the money around but worth the hassle.
by danwhite77
Wed Dec 09, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois resident seeking 529 help
Replies: 30
Views: 2124

Re: Illinois resident seeking 529 help

Hey fellow Illinoisian. You might want to check out this thread for more information: https://www.bogleheads.org/forum/viewtopic.php?t=137239 Long story short, Illinois's 529 used to be terrible, in fact they broke the buck during the big downturn (lots of litigation ensued). Since then, they've got...
by danwhite77
Tue Dec 08, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Wife uncomfortable investing in taxable account
Replies: 41
Views: 2215

Re: Wife uncomfortable investing in taxable account

You might try educating her a bit regarding investing. Since she's comfortable with tax deferred accounts, seems like it's a small step to become comfortable with taxable accounts. This might be the page from the wiki most relevant to helping her understand the benefits and risks of investing and ho...
by danwhite77
Mon Nov 30, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Housing one more time
Replies: 28
Views: 2775

Re: Housing one more time

Imputed rent is, I believe what you're missing. How much would it have cost to rent a comparable home for that time? That amount would offset some, or possibly all, of your loss. I say this as a person who is not a fan of real estate, but we all need to live somewhere so you can't analyze a house in...
by danwhite77
Mon Nov 23, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Wash Machine
Replies: 18
Views: 1272

Re: Wash Machine

I, too, have an LG front load washer and dryer. We've had the units for over three years now. They have performed flawlessly, which I can't say for other appliances (other brands) we've purchased. I highly recommend LG. I, too, used Consumer Reports reviews for my research. I tended to focus on the ...
by danwhite77
Fri Nov 20, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: Photo Storage Options
Replies: 16
Views: 1099

Re: Photo Storage Options

We have over 50,000 photos. We bought an Apple Time Capsule which is both a router and an external hard drive. The Mac automatically backs up via time machine to the Time Capsule. Also, the hard drive in the Time Capsule is IIRC a 2TB drive so we use it as external wireless storage for those 50k pic...
by danwhite77
Wed Nov 18, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: NW = $0 : Finally out of the Red
Replies: 16
Views: 2190

Re: NW = $0 : Finally out of the Red

I saw your post over on /r/financialindependence, too. Congrats! I wonder how much crossover there is between BH and that reddit sub.

Any other forums you check out besides these two? I also read (less frequently) early-retirement.org.
by danwhite77
Tue Nov 17, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 49
Views: 8215

Re: Best credit card for cash back

Another vote for Citi double cash. Works great, easy redemptions. I was leery of getting a Citi credit card but I've been pleasantly surprised, no problems here.
by danwhite77
Tue Nov 10, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16111

Re: Is The Bay Area Worth It?

OP here. For those wondering, we chose not to move. We may set our sights on the DC area in the future. DC still has most of the upside we're looking for without as much of the downside. Thanks for the update! Congrats on your decision and best of luck in the future. Unfortunately, as a guy who is ...
by danwhite77
Fri Nov 06, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who had hi salary and retired or semi retired young
Replies: 33
Views: 5116

Re: Question for those who had hi salary and retired or semi retired young

My question to those who have retired or semi retired young; do you find yourself regretting it? Do you wish you made just a bit more money to have more luxury in your life, like better vacations, fancier car, boat, etc? You may want to post your question to forums that are specifically geared towa...
by danwhite77
Tue Nov 03, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Tradeking $200 bonus
Replies: 11
Views: 826

Re: Tradeking $200 bonus

I obtained a Tradeking account a few years ago when Zecco merged into them (I had a pre-existing account with Zecco). Outwardly, to me anyway, they seem to have the best security. Oftentimes, they actually have you type in your password through an onscreen keyboard (not a physical keyboard), presuma...
by danwhite77
Wed Oct 28, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 7215

Re: Worth Upgrading to LED Lighting?

knpstr wrote:


2010 article is a little outdated.

LED bulbs are no longer $20-$40


You took the words right out of my mouth. You can get LEDs for less than $4 now.

Also, Sparty on!
by danwhite77
Tue Oct 27, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker vs. bank?
Replies: 18
Views: 1425

Re: Mortgage broker vs. bank?

I used LendingTree a long time ago (2005). I strongly recommend that you do not use LendingTree. The brokers that I found and ultimately received a loan through were terrible. They kept adding on fee after fee, most of which were completely unwarranted. If I had it to do over again, I would pit the ...
by danwhite77
Thu Oct 22, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: Have You Seen Goldman Sachs ActiveBeta ETFs
Replies: 26
Views: 2322

Re: Have You Seen Goldman Sachs ActiveBeta ETFs

What does "muppets" mean in this context? Never mind, I figured it out. Goldman Sachs refers to their clients as muppets, your link is good but here's the genesis of the term: These days, the most common question I get from junior analysts about derivatives is, “How much money did we make...
by danwhite77
Mon Oct 19, 2015 6:01 pm
Forum: Investing - Theory, News & General
Topic: Have You Seen Goldman Sachs ActiveBeta ETFs
Replies: 26
Views: 2322

Re: Have You Seen Goldman Sachs ActiveBeta ETFs

They'll have to find their muppet eyes somewhere else.
by danwhite77
Fri Oct 02, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone help me figure out my financial situation?!?!
Replies: 9
Views: 1369

Re: Can someone help me figure out my financial situation?!?!

In addition to this forum, you should check out the Personal Finance subreddit. You can find the PF forum here:

https://www.reddit.com/r/personalfinance
by danwhite77
Tue Sep 29, 2015 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Master Bedroom up or downstairs?
Replies: 23
Views: 2107

Re: Master Bedroom up or downstairs?

Interesting to hear all the votes for the main floor. It's anecdotal, but a neighbor of mine had his first home burn down and when he rebuilt after his kids were nearly out of the house he put the master bedroom on the first floor (kids upstairs). This house, with the master on the main level, is cu...
by danwhite77
Tue Sep 29, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: PLEASE, help me choose between 4 wood floors
Replies: 35
Views: 2908

Re: PLEASE, help me choose between 4 wood floors

We just installed 1000' sq ft of maple on our first floor with a very light natural stain. It's beautiful. I was told only clear maple was available, and lower grades were not available, because the drop off in appearance was dramatic. Before you consider installing any of the lower grade of maple, ...
by danwhite77
Sun Aug 23, 2015 10:51 pm
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 7200

Re: "FEAR" Is Here,...

I'm all for it. I was getting very tired of dollar cost averaging in at all-time highs (or near them).
by danwhite77
Fri Aug 14, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: College savings
Replies: 40
Views: 2346

Re: College savings

I'm just one datapoint, but my life situation and plans for paying for college are in line with OP's, so at least you're not alone.
by danwhite77
Mon Aug 10, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the unimaginable
Replies: 33
Views: 3110

Re: Preparing for the unimaginable

Don't forget the caldera in Yellowstone!
by danwhite77
Wed Aug 05, 2015 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 4781

Re: Get to 2.4 million in 10 years

Based on my experience, yes. We have similar income profiles although yours is meaningfully higher. My wife and I have accumulated about 2M over 10 years so I don't see why you couldn't if you're disciplined on spending. Of course, past results are no guarantee of future performance!
by danwhite77
Wed Jun 24, 2015 3:31 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 30029

Re: What ratio are you stocks/bonds and how old are you?

100% equities (vast majority index). 38. Positive long term outlook for the US (and world).
by danwhite77
Tue Jun 16, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Getting a handle on our retirement
Replies: 8
Views: 967

Re: Getting a handle on our retirement

The wiki has a section devoted to this topic, it's a good place to start:

http://www.bogleheads.org/wiki/Paying_d ... _investing
by danwhite77
Tue Jun 09, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 119
Views: 8698

Re: Your Home Equity / Net Worth Ratio?

1. 26%

2. Yes
by danwhite77
Wed Jun 03, 2015 9:06 pm
Forum: Personal Consumer Issues
Topic: Rowing Machines
Replies: 27
Views: 2183

Re: Rowing Machines

Concept 2. It's the gold standard.
by danwhite77
Mon May 25, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 3425

Re: Window replacement -- Renewal by Andersen?

My thread on windows includes a Renewal by Andersen discussion. tl;dr is that I found RBA too much like buying from a used car salesperson too expensive and I went with a different brand.

viewtopic.php?t=135100
by danwhite77
Tue May 12, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Quicken 2012 no longer updating - anyone else?
Replies: 15
Views: 835

Re: Quicken 2012 no longer updating - anyone else?

This issue is one of the reasons I keep track of my money using my own custom made spreadsheets, I don't have to worry about Google sheets "sunsetting." I'm doing the same thing. I used Quicken for several years, but towards the end I found trying to manage the updates and correct errors ...
by danwhite77
Mon Apr 20, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 5665

Re: Paying for GFs school - any way to help myself?

Relationship advice on Bogleheads never fails to amuse me. Setting aside all of the budding talk show hosts, and to address your actual question, unfortunately I think the answer is there's really not anything you can do as far as a tax benefit. You could set up a 529 and the growth of your deposits...
by danwhite77
Fri Mar 06, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Parents:Have you had any luck teaching your kids about money
Replies: 40
Views: 3223

Re: Parents:Have you had any luck teaching your kids about m

Thanks. It seems to work well so far. I started doing this in December of 2013. I only started doing the statements recently. What I found over the course of 2014 was that the kids couldn't quite grasp the bank concept because (I believe) it was too intangible. We would talk about the money in the b...
by danwhite77
Fri Mar 06, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Parents:Have you had any luck teaching your kids about money
Replies: 40
Views: 3223

Re: Parents:Have you had any luck teaching your kids about m

I've had great success setting up a "Bank of Mom and Dad." It's a google spreadsheet that calculates interest that accrues on their deposits (which are gifts they've received from grandparents, etc.). I even do a little statement for them on a quarterly basis to make it more "real&quo...
by danwhite77
Tue Mar 03, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 22
Views: 3787

Re: One share of BRK.B for Geico discount?

Yes, it's true. I believe you just tell the rep when you sign up. That might have changed, it's been awhile since I signed up. I would point out that this discount is (I believe) 8% but if you have a clean driving record and qualify for their 'good driver' benefit, it's even better than the share ow...
by danwhite77
Tue Mar 03, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 9359

Re: How to find a spouse who wants financial independence

I used a coupon to buy coffee for my wife and myself on our first date. I didn't even think twice about it. Looking back we think it's funny, at least she knew what she was getting into. We've been married 12 years now, have four kids, and live our lives in the Bogleheads / Millionaire Next Door tra...
by danwhite77
Sat Feb 28, 2015 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Funding a big home remodel
Replies: 7
Views: 844

Re: Funding a big home remodel

DW and I bought our house a little less than three years ago (2.78 years according to my spreadsheet, but who's counting) and we have redone virtually everything. We've probably put close to (actually, probably more than but I don't want to think about it) 100k into our place, so a little less than ...
by danwhite77
Wed Feb 25, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 46
Views: 5452

Re: New or Used Honda Odyssey

Faced this exact situation when we bought our Odyssey in December of 2006. We elected to buy the new Odyssey for peace of mind regarding maintenance. We've had the car for over eight years (and 90k miles) now and it's been great. Had some maintenance issues, but nothing major.
by danwhite77
Sat Feb 21, 2015 2:18 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 12224

Re: why do some people like Fidelity?

Maybe some people like Fidelity because they enjoy enriching an already preposterously wealthy family (and management) as described in the article below. http://mobile.reuters.com/article/idUSTRE7AM2HX20111123?irpc=932 Me? I'm a Vanguard man. As my signature below states, I admire Jack for enriching...
by danwhite77
Fri Feb 20, 2015 11:43 am
Forum: Investing - Theory, News & General
Topic: Risk/Return Spectrum
Replies: 19
Views: 1826

Re: Risk/Return Spectrum

Right now is famine and thinking it will continue going forward for future expected returns is Recency Bias at work. That's certainly possible. I guess it also depends on the definition of "recent." Over the last ten years the S&P 500 and VWO have been neck and neck. Will be interesti...
by danwhite77
Fri Feb 20, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: Risk/Return Spectrum
Replies: 19
Views: 1826

Re: Risk/Return Spectrum

Typical Bogleheads caveat, nobody can see the future, etc. etc. Two comments, first I don't see the S&P 500? Second, I am not so sure that I would put Emerging Markets at the top of the totem pole. I've been an EM investor (currently ~6% of portfolio) for a decade. It's certainly true that durin...
by danwhite77
Thu Feb 19, 2015 12:18 am
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2762

Re: BRK A vs. B

The lack of liquidity in A shares (and later the bigger B shares pre BNSF split) is why Berkshire wasn't in the S&P 500 for a long time, the committee (correctly I think) found the trading too illiquid to include in the index. I'm not sure there's a Buffett premium any longer. Berkshire is curre...
by danwhite77
Wed Feb 18, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 4677

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

There are many, many threads on this topic. There is no correct answer. Basically, just think about your own tolerance to watch your balance fluctuate and select the allocation that you think matches that tolerance. Probably the best place to start is here in the wiki: http://www.bogleheads.org/wiki...
by danwhite77
Tue Feb 17, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2762

Re: BRK A vs. B

[B]ut why would there be new (non millionaire) owners? I suspect your assumption is the key to your answer. Most of the new A share owners are probably high net worth individuals, institutions, and organizations (e.g., asset managers). If you're wondering why B shares exist at all, many years ago p...
by danwhite77
Tue Feb 17, 2015 9:56 am
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2762

Re: BRK A vs. B

I have a long (LONG) term goal of owning the equivalent of one BRK-A share in the form of the 1500 BRK-B shares. I'm going to assume that you're not deep into the multimillions. If that is the case, my reasoning for buying BRK-B might apply to you. That is, my reasoning is that if, down the road, I ...
by danwhite77
Mon Feb 16, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 6311

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

Gotta love it on Bogleheads when an 8 degree Fahrenheit difference turns a comparison into apples and oranges! Remember, we're not talking about expense ratios here! :happy These are the temperatures Nicor provided on our bill for the following months: NOV 2013: 39 2014: 46 DEC 2013: 26 2014: 35 JAN...
by danwhite77
Mon Feb 16, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 42
Views: 25598

Re: Marvin vs. Andersen Windows: The Eternal Struggle

Epilogue To anyone looking at this thread for guidance, I ultimately went with Marvin Ultimate Clad windows. They're great. Unfortunately, I can't speak to how they would compare to Andersen, even at the sales pitch level, because I was unable to find a sales person that would talk to me about &quo...
by danwhite77
Mon Feb 16, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 6311

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

EPILOGUE: Thanks to everyone who weighed in on the spray foam v. blow-in insulation question that I posted here. Ultimately, last fall (2014) I had blow-in insulation installed (R49 total) and had R19 insulation batts draped over the duct work in the attic. Now that we're well into a winter that is...
by danwhite77
Sun Feb 15, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Buying As Is Home
Replies: 27
Views: 2405

Re: Buying As Is Home

You didn't mention anything about the foundation. If that's fine, I wouldn't be overly concerned. If it's the house you want in a great area, that's what's important. The rest of the items you listed can be fixed. They'll cost you money and, if you're like me, at some point you'll ask yourself why y...
by danwhite77
Wed Feb 04, 2015 9:23 pm
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 55
Views: 4428

Re: A true Boglehead!

I'm a fan of both Bogle and Buffett. You'd be surprised how similar they are at bottom. They spoke to each other on a CNBC interview back in 2008. Jack Bogle: Hey, Warren. It's (Squawk Box guest host) Jack Bogle. How are you this morning? Good to be in the same show with you. Buffett: Well, listen, ...

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