Bogleheads.org

It seems to me that you only want to hear the answer "yes".

Good advice. When there is a good reason to doubt, as in this case, better to walk away, if necessary, if the seller isn't willing to accept a payment method that fully protects you.

I think that's right on target. I'm going to have to go over them both carefully.

While somewhat troubling, I'd rather have hardcore research refuting the paper, rather than just quibbling over its source.

I know that Antti Petajisto has been discussed previously, this is apparently a new study that hasn't been discussed here (at least according to the Search). I was directed to this study by a financial adviser that I'm using for a sanity check, specifically intended to refute my general agreement wi...

Both Stop & Shop and Roche Bros. deliver, in our town.

Who did you order them from? Amazon, or an Amazon partner?

I guess I always assumed you could just take the cash and buy an annuity that would pay out that full amount (and therefore have the flexibility of doing it later, or as a hybrid thing).

This is all part of Amazon.com's movement into the local community. They see the writing on the wall, regarding sales tax, and realize that if they're going to have to charge sales tax, they might as well be resident, and capitalize on what that can offer them, the locker service, same day service, ...

I think you missed the point of your new pants being "casual". :D Seriously, I really don't worry about the mid-leg crease at all. This is my best recommendation for restocking the closet with good hangers: http://www.target.com/p/joy-mangano-34-pc-huggable-hangers-combo-pack-black/-/A-110...

Can we get some insight into relative over-/under-valuations between the first quarter of 2000 and now? Maybe that'll get us closer to the "real" all-time high...

"Time is an illusion. Time to invest in something specific, doubly so."

Random Musings wrote:Didn't read the replies on this, but the first thing that came to mind is that you have free will and can change banks.

True, though one may expect that, over time, like with many other things, such changes could become the norm, and perhaps even the only reality.

I can't imagine what they're doing with that money. Perhaps they are averaging their costs over all their customers with no regard for what an individual customer costs them. Given that the fees are quoted based on the account, and publicly advertised on printed flyers, why would you think it is so...

However, one can argue whether overhead should be part of that number, and perhaps marginal cost should be the more applicable cost. Would you pay more for something than it is worth, just because it costs that much to provide it to you? Of course not. Pricing products and services based on cost is...

I agree with the OP. I would like to know what a $300 account costs a bank, if they don't issue paper statements. Unless the customer is traipsing in there or taking up phone time, ... Why ignore those? There are banks that have accounts where they charge for each teller interaction, or charge for ...

I retitled the thread (removed "criminal"). Please stay on-topic to provide constructive suggestions. Good idea. Sometimes the thread is inextricably more so about the act of the OP starting the thread than about the matter that the OP's comment was actually about. I'm with the low bar th...

The point is that the bank has costs. And obligations to turn value into profit. How many accounts should the bank lose money on in order to get loyalty of people who obviously are never going to be profitable for the bank? It's a good question. I very deliberately viewed the landscape, and made ch...

I do think a lot of American consumers grossly over-value their own patronage, and not just as bank depositors. I think a lot of American businesses grossly undervalue the benefit of long-term customer relationships. I used to believe that. I actually was a member of technical staff for a leading r...

Quicken holds all our financial data going back almost fifteen years. I actually had need of some data from about twelve years ago, to do our taxes this year, and it would have taken hours to find paper records going back that far, assuming that they weren't inadvertently discarded (which is likely)...

I do think a lot of American consumers grossly over-value their own patronage, and not just as bank depositors.

I think s/he meant to say, "Something at its peak is not more likely to go down than up, just like its not more likely to go up than down."

If you don't live in CA and don't work in CA, it is not clear to me why you would pay CA income tax. Perhaps it is the definition of "works in". Do you remotely perform work for a CA entity, e.g. computer network maintenance? Someone might literally do their work in NV, but their employer...

it is not ok to outsource your financial future any more than you should expect someone to pay your bills. I don't see the logic in that connection, unless you're including paying bills when there isn't enough money to cover those bills. Paying bills, when you aren't choosing between rent and food,...

This may be solvable by employee action. ... We have already seen cases where employees have successfully petitioned their companies to add investment options or even change 401k providers. And we've seen cases where employees have not be successful in that regard. I've been working hard for many m...

You are correct about use of non-stick, our Calphalon Unison Sear, says oven temps up to 500 deg are okay. The hard anodized exterior does wear off though, this is after one year of use: http://i33.tinypic.com/zv3v8.jpg How did you do that? We've had our Calphalon One for many years, and there's no...

[1] Non-stick pans will wear out and are used with low heat, so no need to go expensive. (The problem with non-stick is that you can't use them for high heat cooking and [2] you can't put then in the oven.) I disagree with both of your comments. [1] My non-stick pans are doing great after 5+ years....

Where can I get a good education on this stuff? http://www.americastestkitchenfeed.com/gadgets-and-gear/2012/04/cookware-101-must-have-pots-and-pans/ I'd like to be able to take a pan from stove to oven in one fell swoop and not worry about anything melting or exploding, are there really any option...

heyyou wrote:Not REI, not for me.

Might be good to start another thread: "Top companies that other people say have good customer service but really don't." I've got a few submissions for that list, from this thread so far.

My spouse and I don't focus on trying to find dining experiences that cost a lot of money. It seems a rather strange way of classifying restaurant meals to us. We value comfortable dining venues, with varied and mildly adventurous cuisine choices, with a high degree of attention toward servicing the...

LL Bean, Amazon.com, Disney, Fidelity, Bodum.

If you have a "carrier in the building" that makes it sound like your landlord or governing board has granted an exclusive contract with one service provider. Your first line of recourse is there, confronting those folks regarding the decision you feel is poor. The rest of your post makes ...

I use the Fidelity Cash Management Account. It has a lot of that, but not all of that. I'll be interested to see which accounts stack up well against that list.

HomePremier (the service with the "Courier Recovery service") is $90 more than the lowest level of service.

Carbonite will allow you to upgrade to the service that provides you a copy of your backed up data on disc on an as needed basis.

I never plan on using Carbonite to back up anything other than data. Installed software should always be reinstalled rather than restored.

Alan S. wrote:If you withdraw the Roth contribution with earnings, you will pay taxes on the earnings plus 10%.

Isn't that only true of the withdrawal is after the filing deadline of the tax year that the contributions pertain to?

Just updating this, in case the details are ever of interest to anyone in the future. I've been generally delayed, pushed off, ignored, and my concerns otherwise marginalized. As a matter of fact, without even a warning, our paychecks last week had an insert proudly announcing the introduction of si...

Browser wrote:No-one has mentioned 3G vs. 4G LTE Smartphone capability. How much better do things run on 4G and 4G LTE?

My spouse has 4G; I have 3G. It is a big difference. My worst experiences with 3G are web browsing, news apps (like CNN), and accessing cloud storage.

A very important question that isn't really discussed is what will others expect of you? Yes definitely: Someone submitting a resume without an email address, these days, will find their application summarily dismissed. Whether it was just a careless omission, a resistance to interacting online, or...

I've gone back and forth (and probably will continue to do so) regarding Roth conversions for my spouse and I, starting out ignorant, switching to being inclined towards Roth conversions (getting ready to rollover tIRAs into current-employer 401ks), then switching to inclined against Roth conversion...

We are redoing our kitchen and right now I am researching what style kitchen faucet to purchase. It seems there is pull down, pull out , and single handle type with a sprayer that is separate from the faucet. The pull down and pull out style both have the sprayer attached to the faucet. I hear the ...

Somehow, without a smartphone, I managed to obtain jobs for decades until I hit the magic 55 useless border. The question isn't whether you can "obtain jobs" or not, but rather there are advantages of smartphones within the context of the job search. Also: The question isn't about what ha...

I am seriously considering going paperless as well. I have been looking into scanners for a while now...wondering if there are any disadvantages. I suppose hard drives are still prone to fire or data loss. Paper records can be lost to fire in a relatively straight-forward manner. It would take a se...

Yes, you are generalizing. The point I am making is that the smartphone concept has been incredibly successful and an industry changer over the past 4-5 years. It has occurred during a massive worldwide recession/depression. People are worried about their jobs, their mortgages, food on the table bu...

KyleAAA wrote:Nobody NEEDS a smartphone.

Nobody needs a telephone either. <shrug>

Are you computer savvy? If so, go electronic. This. I consider filing, storage, and the physical act of disposing of record past their retention date to represent significant costs of record keeping. To lower my costs, I have switched away from service providers and retail vectors that rely on pape...

Pardon what will invariably be a rather novice question about the intellectual foundation on which folks here give advice to others. The Asking Portfolio Questions guideline in the Personal Investing forum asks folks to post a load of information, but it doesn't try to ascertain the cost basis perce...

I'm curious about folks various perspectives of the importance of having a Durable Power of Attorney and a Health Care Proxy. My personal impression is that, since we're married, and have either Joint acccounts and PoAs for each other's individual accounts (and retirement accounts don't even general...

I'm not sure where you're getting some of those numbers (especially since you didn't indicate how often you get paychecks), regardless you're unnecessarily complicating it: Let's say your gross wages for a paycheck are $1,000. Putting all other considerations aside: Roth contribution of $100 per pay...

My cashback card sucks at actually working for the higher rewards *most* of the time. Stores "cheat" the system and mark themselves "merchandise" instead of "grocer" or "gas" because they pay lower fees. I was curious about this, so I checked. WHOLE FOODS MAR...