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AP classes are used as a means of raising students class ranking because the AP classes are higher credit, usually 5 credits. Therefore a B in an AP class counts as an A, an A counts as a Super A. This is why kids are taking all these AP classes now. It's a way to game the system.

1. In my opinion and experience, you are wasting your time trying to win that argument. The fund(s) and the folks that market and sell the funds and the 401k management "sell" what they have in their line of products. Tied closely in with that is the margin or profit or commission they ge...

Hi All, So I'm 28, about 10 months into bogleheading, but recently discussed with my parents why I moved my accounts to Vanguard. I've convinced them to get theirs moved over to Vanguard. Naturally, I wanted the community's opinion on what should be recommended, as I am by no means an expert. [Rude...

Dave Ramsey is like a TV preacher.

He says some good things and tells you to do some good things but his primary goal is to get into your wallet.

But to get back to my original question, are you (all) saying that insurance pricing is less "rational" than other businesses? That is, in most businesses comparable things cost comparable amounts of money, simply because any really big disparities would be wiped out by the market - consu...

"Nobody knows nothin' "-- John Bogle

I think Ramsey encourages ID Theft Insurance because he has marketing agreements with providers. In other words he get paid to promote it.

Some companies really don't want your business. It's true. They do not want it. Raising premiums is their way of telling you that. They may not want to do business in your state for some reason or in your area. So don't be the frog in the pot of slowly heating water. Jump out and shop your policy.

Costco makes most of their profit from the annual membership. Which only means that they have little markup on everything else. Not true for Costco. Costco has a healthy markup. Their profit margins are much higher than other Warehouse Clubs like Sam's or BJ's and also WalMart because they sell mer...

gkaplan wrote:

prudent wrote:Just as a point of interest, you do not have to have a membership to use their pharmacy or the optometrist.

As a non-member, I still could get glasses made there?

BJs and Sam's Clubs are the same. You do not need to be a member for eyeglasses.

Random Poster wrote:If you have a reasonable suspicion that the contractor/vendor in question is not reporting their full income to the IRS, call up the IRS and advise them of your suspicions and let the IRS handle it from there.

Generally the savings people claim to get from discount clubs are over-rated. You can find same or better deals from many retailers nowadays. Adding in the membership fee to your equation further reduces your "savings". They do carry some unique items. Costco caters to more affluent custom...

It's none of your business how he reports income or if he reports it. You have no idea if the guy is under-reporting. MYOB. If he does under-report perhaps it will offset the $3,000 toilet seats bought by the Defense Dept. I usually ask for a cash discount when making purchases from local/small busi...

Anyway my main curiosity was why does this guy have to borrow money in the first place? Why doesn't he have $30k saved up? :oops: Why would he want to pull his investment money from the market when he can get free, well <2% money out of his illiquid investment? :oops: Hey, it's helping the economy....

Someone I know just borrowed $30k against his house for his daughter's wedding. This guy makes a great income too. In addition to just being a dumb thing to do period, it indicates to me he doesn't have $30k in savings. Why? He lives beyond his means. At least his daughter has a chance of recouping...

http://www.businessinsider.com/charlie-mungers-secrets-to-getting-rich-2013-5?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+businessinsider+%28Business+Insider%29

michey312 wrote:

I'm buying a 2 bedroom condo in downtown Chicago in a building that has had a bit of a buyers frenzy.

I think I'm paying a fair price for the unit, but I've given in on every request of the sellers.

Someone I know just borrowed $30k against his house for his daughter's wedding. This guy makes a great income too.

In addition to just being a dumb thing to do period, it indicates to me he doesn't have $30k in savings. Why? He lives beyond his means.

Pretty good if you like action.

"Good God, Lovey! Thurston Junior didn't get in to Stanford! Now what? Will he have to go to Yale or worse yet, Harvard?"

Sounds like a case of choosing the wrong schools. I went to a private school and it was $1400/semester when I started. It was $1700/semester when I finished, and is now hovering at about $2000. I am currently attending a state university and it's just a little more than $2000/semester. It'd be abso...

"as is" = "subject to all faults"

rustymutt wrote:What I find disturbing is that many people are just now climbing back into the markets, and doing so at a time when I would be concerned of a draw back.
Buying high, and selling low is one huge mistake that's repeated time and time again.

When someone wins, someone else loses.

The sheep are led to be sheared from time to time.

I always tip the Home Depot employee after they tell me what aisle the plumbing parts are in. I also tip the cashier. If I go through the automated checkout I go over to the service desk and tip the person there. If I go to the contractor desk (where are the shingles?) I tip the guy for telling me. ...

Owning your own home is a luxury.

Once again Bogle tells it like it is.

Way to go Jack Bogle.

Ride winners.

There are plenty of stocks with attractive P/E's that are losers.

With all the instability in Europe and Asia, why would anyone think it a good place to invest other than speculation?

Anybody tip the cashier at Walmart?

Why would anyone tip at a takeout?

No way.

I wonder if there's any place in the US that is setup to do these types of hikes? I would assume it's possible in the East but I don't know. I guess you'd need to have food and lodging every 10 or so miles, and a way to travel to the start and from the finish. It would be interesting to layout some...

In my opinion, the greatest use of money is as power. It is the power to tell your boss or other authoritative figure **** you. To know that someone can not control me is priceless. It is worth more then a new car, new clothes, new apple products, etc... That is why I save so much. Good luck. :shar...

"Didn't save enough for retirement, what would you do over?" If the above applies to you it is too late but for the younger readers... Save more, start young (20's), invest in low cost index funds (2-3 fund mix). Saving and compounding over time are most important. Without either of these ...

There is a epoxy concrete crack fix that you put in the crack.

Can't think of the name.

If your knee is bothering you are probably running too much.

After a certain point beating your knees and body up by running on hard surfaces is a losing game.

Ride the wave!

Whether you pay in cash, borrow the money, work while attending, or whatever, the actual cost for a private college education is ridiculous. It only makes sense for those smart enough to get academic scholarships or those talented in other ways (athletics, special talents) to get substantial merit a...

If you can't beat 'em, join 'em!

http://www.businessinsider.com/best-investment-advice-2013-5

"What is this investment advice?

Don't try to pick stocks
Don't try to time the market
Just invest in a portfolio of low-cost, tax-efficient index funds."

investingdad wrote:My wife and I both graduated from Penn State. We're doing pretty well for ourselves and would have no problem sending our two kids to a State U at a much lower cost than an expensive private school.

Just a note that Penn State is one of the most expensive state colleges/universities.

OP what were you considering getting another degree in? Unlike others I actually think returning to school for something like a nursing degree could be valuable. There's another thread that suggested graduates could command close to 100k with overtime, bonuses etc. Before that, you'd better be 1,00...

That's an older car so I would follow the manual. Older cars need more frequent oil changes than new cars. I disagree except to say older cars tend to have issues with burning or leaking oil so shorter OCI's are preferred. If your car is in good running condition, follow the manual. I faithfully fo...

22twain wrote:Wow, trudging door to door in sweaty clothes (Gulfport, Mississippi!) while being chased by dogs... not exactly what I would have envisioned a stockbroker doing.

Mailmen do the same thing.

That's an older car so I would follow the manual. Older cars need more frequent oil changes than new cars.

So, thought I'd give you guys an update on this. I met the manager of the team in Ann Arbor - he was coming down there for a business trip and they asked me if I'd like to meet him there than flying out to CA. Sadly, it wasn't really a good experience. He was pretty condescending and kept on boasti...

Whoopsy,

Where did you go to college?

It's really hard but so is becoming a medical doctor. Think of the hours a medical doctor hopeful puts in for 10 years of education and prep. Great salesmen will always be in demand. “The only way you can do it is if your dad is rich and he’s got country-club buddies he can send you or you’re a psyc...

To OP: What college did you attend?

A friend of mine invests through the Mainstay financial planning services. Initially when she told me about them, the fund options for her IRAs didn't look awful. Now it looks like they put her in several "loaded" funds and move money from one fund to another pretty regularly. It looks li...