Bogleheads.org

danwhite77

I just did this about a year ago with numbers very comparable to your own. Assets a little higher but age higher as well. I will tell you that for me it's been one of the three best decisions I've made in my life. Best of luck to you.

danwhite77

David Jay wrote: ↑Wed Sep 11, 2019 9:26 pm I feel that I want to run iOS 14 to keep everything current.

But iOS 13 isn't even out yet?

Should be soon though.....

danwhite77

I don't use the SE but when Apple ran a clearance of some SEs a few months ago I snatched up two for our son and daughter to use (after purchasing them from us at a slight discount, of course!). If Apple ever updates the guts of the SE and releases an updated version I would strongly consider gettin...

danwhite77

Hi All, I remember eons ago when the TSP (i.e., the 401(k) equivalent available to US Federal employees) was a huge advantage of Federal service due to its ultra low expense ratio relative to the plans available in the private sector. Now in Federal service myself, I'm pondering rolling my old 401(k...

danwhite77

I've had success on twitter in these types of situations. If I were you, I would loudly, but politely, get my point across to their twitter account as frequently as necessary in order to get customer service to listen. Throw some hashtags on as necessary. #Ikea and the like. Even if you don't have m...

danwhite77

For general questions like this, just check out the wiki. Here's the page for acronyms:

https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms

danwhite77

We bought a KitchenAid refrigerator a few years ago, which is a Whirlpool brand. Worst appliance I've ever owned. Made an intermittent sound like a rusty chain saw running its teeth over a metal pipe. Then it broke (compressor failed) and made the same noise after the repair. Bottom line: purchase W...

danwhite77

There are countless Bogleheads threads and opinions on this issue. Use the google search bar in the upper right hand corner to search for 'global equity weighting' and similar terms. Reading them all may take months or years but at the end of the day you just have to decide which approach you're mos...

danwhite77

Hmmmm, a resting heart rate in the thirties should be checked by a physician. I don't disagree, but tell me when you get there. :) Ah, this brings back memories. I had an atrial fibrillation episode six or seven years ago (i.e., heart arrhythmia) that lasted long enough for me to go to the doctor. ...

danwhite77

Why bother with a used phone on Craigslist, you can buy a new 32gb model on Apple right now on clearance. This isn't a used phone it's new, they're clearing out stock. Just use the drop down for 32gb at $250 or 128gb at $300. https://www.apple.com/shop/product/MP7X2LL/A/iphone-se-128gb-space-gray-un...

danwhite77

One of the Dobsonian models will give you good light for the money. https://www.telescope.com/Telescopes/Dobsonian-Telescopes/pc/1/12.uts http://www.astronomyforum.net/dobsonian-telescopes-forum/ https://www.cloudynights.com/topic/471238-dobsonian-telescopes/ Second this. I have an Orion XT8 that I...

danwhite77

Thanks for everything, Jack.

danwhite77

Literally just purchased a pair of Bose Quiet Comfort II 35 headphones last week. Paying for them is a bummer, but they have been phenomenal. I wear them on my work shuttle bus nearly everyday when coworkers are talking on their phones around me and the bus is roaring. The difference the headphones ...

danwhite77

I am leaning towards the FWD, but at lot will determine availability in my area and what deal I can get. I do plan on keeping the vehicle for at least 10 years so the difference in resale values FWD vs AWD is not something that will influence my decision. I bought a FWD CRV in December of last year...

danwhite77

Probably going to receive a number of negative replies for this, but I would recommend a MacBook or MacBook Pro. I used to spend tremendous time troubleshooting my DOS Box / Windows machines. Finally got fed up with dealing with the headaches in fall 2009 and bought a MacBook Pro. My wife still uses...

danwhite77

Tracking error is another factor to consider. It's not huge, IIRC, but I believe Vanguard traditionally has been the best at tracking.

danwhite77

I determine a conservative sale price using online resources, but mostly my own judgment, and then subtract 10%. I checked the documentation for our purchase of our home and the seller walked away with about ten percent less than what we paid. That amount will vary based on transaction, taxes, etc.,...

danwhite77

Regarding the cost of airfare and lodging, when I went in 2011 the price gouging was already underway. I don't know about airfare, but what I did for lodging was to stay in Council Bluffs, Iowa right across the river from Omaha. I think I was in the Comfort Suites or Holiday Inn or some equivalent m...

danwhite77

I went to the 2011 meeting. I think the answer depends on what you're looking for. I went with the intention of just enjoying Buffett's and Munger's personalities, checking out the huge merchandising area, and visiting a few of Buffett's favorite places (like Piccolo's). I wasn't disappointed, Buffe...

danwhite77

So you can take the DIY approach by buying some flying squirrel cages and putting them in the attic? Anyone has done this before and how it works? I've had mice in our house before and what you're describing sounds more like mice to me. Are flying squirrels nocturnal? Mice are, we used to hear them...

danwhite77

In a few weeks, our second will be attached to a Christmas Tree, so the kids can turn it on or off remotely. It's like living in the future. Beware of this functionality. We thought this would be fun, too, but our children are young and eventually they just turned it on and off all the time for no ...

danwhite77

I am planning to go to Sea World, Sea Diego in Thanksgivigng with my kids ages 7 and 4. Is the weather fine for kids during Thanksgiving? Will the kids be okay outdoor in San Diego during Thanksgiving days. Dude, it's San Diego. The average temperature is 63 degrees in November in San Diego. It's k...

danwhite77

All of the dividends paid to Berkshire go to the corporate entity itself which is owned by the shareholders as BRK.A and BRK.B. Berkshire and its capital allocaters (Buffett, Combs, Weschler) then seek investment opportunities to deploy the company's capital effectively. Berkshire doesn't pay a divi...

danwhite77

2006 Odyssey owner with 130k+ miles checking in. Love our Odyssey, we've only had trivial problems over the years. It's been incredibly reliable. We did test drive a Toyota way back in the day, but their salesman was very slimy. We also didn't like how Toyota broke out every single item as an upgrad...

danwhite77

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. ...

danwhite77

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...

danwhite77

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...

danwhite77

Actually, it doesn't suck, just stay the course and let compound appreciation add up.

danwhite77

Should merge with this thread:

viewtopic.php?f=1&t=194206&newpost=2958048

danwhite77

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...

danwhite77

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).

danwhite77

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...

danwhite77

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...

danwhite77

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 ...

danwhite77

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...

danwhite77

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...

danwhite77

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.

danwhite77

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...

danwhite77

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...

danwhite77

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...

danwhite77

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...

danwhite77

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...

danwhite77

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...

danwhite77

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...

danwhite77

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.

danwhite77

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...

danwhite77

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.

danwhite77

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...

danwhite77

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...

danwhite77

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...

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