Search found 387 matches

by danwhite77
Wed Jul 20, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 2818

Re: Fidelity beats Vanguard in ER

Bill McNabb recently had a great line about this when another firm dropped expenses on some products below Vanguard's. His line was something like: If you beat us on price today, you better be prepared to beat us on price tomorrow because we set our prices based on cost, not as a marketing gimmick. ...
by danwhite77
Thu Jul 07, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Small Law Survivor
Replies: 61
Views: 8732

Re: Advice for Small Law Survivor

Small Law Survivor, You should definitely check out this thread. A number of men around your age pondering their ability to engage in activities later in life. It's the other side of the coin that you describe, in stark relief. Best of luck. http://www.early-retirement.org/forums/f28/men-so-how-many...
by danwhite77
Wed Jul 06, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 194
Views: 6896

Re: Picking College and College Scholarships

Not sure if your son would be interested in Northwestern, but if so they recently eliminated loans. My understanding is that after the parent contribution, any amount that would have otherwise been paid for with loans is eliminated. Not sure if other schools are doing the same. Here are some article...
by danwhite77
Tue Jun 28, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just bought into a Target Retirement Fund 2060. Now what?
Replies: 22
Views: 2042

Re: Just bought into a Target Retirement Fund 2060. Now what?

Image

Actually, it doesn't suck, just stay the course and let compound appreciation add up.
by danwhite77
Mon Jun 27, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: I need a new mattress. Memory foam?
Replies: 53
Views: 3352

Re: I need a new mattress. Memory foam?

My wife and I have a Tempur Pedic and we love it. Strangely, I don't like the memory foam pillows but the bed has been terrific. Our old mattress was a standard mattress that (apparently) was not well made because it broke down in a relatively short time period and caused me a tremendous amount of b...
by danwhite77
Thu May 26, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 55
Views: 5999

Re: Roll call Warren Buffet 90/10 portfolio

Basically, yes, among our investable assets. We're a little heavier on cash though, more like 15% cash / 85% equities (virtually all of which are index funds).
by danwhite77
Thu May 26, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 47
Views: 40151

Re: Marvin vs. Andersen Windows: The Eternal Struggle

Glad to see my old thread is still kicking and people are getting some use out of it. To the guy in March asking about a $2800 window, absent extraordinary circumstances, that's crazy expensive. We paid about a $1000 per window as I recall. Renewal By Andersen is outrageously expensive in my experie...
by danwhite77
Wed May 25, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans vs IRA (follow-up)
Replies: 10
Views: 740

Re: Student Loans vs IRA (follow-up)

make a decision that your comfortable with and then don't second guess yourself That's actually great advice and a reminder for many situations! :sharebeer Yes, although I concede that when I have an Alpha Deathclaw charging at me, I sometimes second guess the actions that led me to him. I like you...
by danwhite77
Wed May 25, 2016 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans vs IRA (follow-up)
Replies: 10
Views: 740

Re: Student Loans vs IRA (follow-up)

Everybody has a different opinion on this topic, as discussed in the wiki that you linked. So if you ask this question ten times you'll get at least as many answers that are at least slightly different. The best advice I've seen is to read the wiki and make a decision that your comfortable with and ...
by danwhite77
Mon May 02, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 6690

Re: How Much House

Four years ago bought our house for cash. Purchase price at the time was probably around 40% of assets. Approximately 2X earnings. I'm a long way to work, like an hour and a half each way. Where I live that commute is basically unavoidable. Could have bought a house twice or three times as expensive...
by danwhite77
Sun Apr 17, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 11968

Re: mortgage pre payment, why?

For those who support it, when does it make financial sense? I bought my house for cash in 2012. No matter what happens in the financial markets or with my job a bank will never foreclose on my house. I view any potential foregone investment income as an expense I'm happy to pay for the ultimate in...
by danwhite77
Tue Apr 12, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3704

Re: Honda Odyssey

10 year old Odyssey. Been great, all normal maintenance other than at 100k miles an automatic door needed a new roller which I replaced myself. I may not be Honda for life but they will get prime consideration next time we buy.
by danwhite77
Tue Apr 05, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thought I was on the right track, but apparently not
Replies: 60
Views: 5233

Re: Thought I was on the right track, but apparently not

Many of those calculators are geared towards telling you to save an incredible amount of money for retirement because they are run by financial companies that want you to invest as much as possible with them. One of the best calculators is crowdsourced, you can check it out here - http://www.cfiresi...
by danwhite77
Thu Mar 24, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Birthday Gift To Techie Husband
Replies: 38
Views: 2720

Re: Birthday Gift To Techie Husband

I'm from the same mould as your husband. If you have a lot of pictures (we have about 50,000), you may want to look into a digital picture frame. My personal favorite is the 15" Nixplay Original Wi Fi frame. We loaded thousands of photos onto ours and set the frame to play the photos every 15 s...
by danwhite77
Mon Mar 21, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 14949

Re: Capital One 360 New Money Market Account, 1% on over 10k

ally has been offering their online savings with 1% for a long time. I had some online offer from Cap One a couple of years ago where the teaser rate was over 1% and then dropped to much lower than 1%. I closed that and moved to Ally since Ally has yet to screw around their savings rate. This was e...
by danwhite77
Tue Mar 15, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 27
Views: 1277

Re: Schwab

Schwab has some of the lowest cost ETFs out there so I think some of the previous comments regarding Charles Schwab and his yachts are unfair and misleading for our purposes of low cost investing advice. Both companies are great if you invest in the right products (low cost index funds or ETFs). Yo...
by danwhite77
Tue Mar 15, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 27
Views: 1277

Re: Schwab

Charles Schwab's net worth is $5.3 billion. Where do you think he got all that cash? (John Bogle's is $80 million) Are you saying Schwab>Vanguard? No, what he's saying is that Schwab generally charges higher fees from its customers, resulting in founder Charles Schwab's net worth being $5.2 billion...
by danwhite77
Thu Mar 03, 2016 7:33 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4889

Re: Mac laptop vs. Windows 7 (or 10) laptop

My MacBook Pro is about 6.5 years old now and runs almost as well as it did the day I bought it when I was furious over my last Windows laptop flaking out. I'll never go back to Windows, the reliability of Apple products has been well worth the extra expense for me. Apple products aren't perfect but...
by danwhite77
Thu Feb 18, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: berkshire hathaway annual shareholders meeting - general question
Replies: 10
Views: 1481

Re: berkshire hathaway annual shareholders meeting - general question

I went three or four years ago. Stay across the river in Council Bluffs, IA. Lots of rooms there, even when Omaha is packed. You can literally walk over the bridge on the river to get to the meeting site. Make sure you have transportation figured out before the meeting, there likely won't be cabs. I...
by danwhite77
Fri Jan 29, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 4340

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: 1778

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: 4875

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: 2547

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: 2571

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: 3162

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: 1568

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: 1298

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: 2472

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: 10592

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: 19398

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: 5608

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: 965

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: 8314

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: 1617

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: 2784

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: 2784

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: 1471

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: 2408

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: 3202

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: 7645

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: 2725

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: 3306

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: 4996

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: 32983

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: 1023

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: 9591

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: 2463

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: 4151

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

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