Bogleheads.org

This is my tenth year of teaching high school science, but I just started teaching this way about half a semester into this school year. It's called the "flipped classroom" when used with an actual class of students and a teacher. I make short videos of my lectures or board instruction tha...

Has this happened to you already? I don't know if there is a one-step restore function in Dropbox. I use the paid service Carbonite for my "serious" off-site backups, and there is such a thing in that service. I use the free Dropbox service for less serious files, and for things that I lik...

I came to this site about six months ago, and I'm a frequent reader, but an infrequent poster. I simply want to say thank you to everyone who helps make this site great. My wife and I got very serious about retirement planning (I'm 36, she's 35) this year. With all of the help from reading the forum...

I have the same problem with Quicken. I just use it to balance my checking account and keep a record of every transaction through that account. For all of my cards (I change cards with the breeze just to get the sign-up bonuses) I use Mint. Mint keeps track of my actual spending, Quicken just makes ...

I use USAA as my primary checking account, and I use it as an "initial pass-through" account as you describe. Paychecks go in, and automatic investment transfers go out shortly thereafter, followed by multiple automatic transfers into ING, where I have about 20 sub-accounts that accumulate...

Infant car seat. Do the research, buy the best, and buy new. Pack and play travel crib. Used is OK. You can use that to do the sidecar thing at first. Crib and mattress. Used is OK, but this falls into my "you spend over 1/3 of your life in it for the first year or two" category so don't b...

It is easier than Quicken, and better in many ways. I use it for keeping track of all of my day-to-day spending. I still use Quicken to finely balance my checking account and keep track of checks that haven't cleared yet, upcoming expenses, etc. I find that to be the strength of Quicken...it's a che...

Keep a safety deposit box and a small passbook (yes, some still have them) account at a local bank. Everything else is with a credit union. I had intended to move my emergency fund to Ally. Up until the point when I tried to open an account and they told me I was required to lift my credit freeze s...

I think this is the same one I saw an infomercial for. I kept watching, but stopped listening after they used the phrase "we were right last time" (real estate bubble), "so listen to use because we'll be right again the next time."

The question is, what do you we do with these rewards??? I use mine to offset an increased contribution to my 403b. So, whatever gain I get in CC rewards instantly grows when you factor in the pre-tax contribution. I let the CC rewards build up for a while in a savings account, then arrange a tempo...

[quote="Steelersfan"]The GoDaddy outage was this afternoon, not in the morning.

Good point. I didn't take notice of the time zone in the article.

There are certain less than legal websites out there that do sports online streaming... but they're not in HD and they're not reliable. I suggest going to the local watering hole. Local sports bar = WIN in my book. Take the $$ you save from cutting cable, set aside some % of it for going to the spo...

Good luck with watching sports. It's the biggest weakness of cutting cable. ESPN360 may be available with your internet provider, but it's not even SD quality. I cut cable about 5 years ago and with the exception of college football, I haven't missed it. I definitely haven't missed paying for all of...

Could be related to the troubles GoDaddy was having this morning...

http://www.cbsnews.com/8301-501465_162-57509744-501465/godaddy-goes-down-anonymous-claims-responsibility/

I've read almost all of the books on the wiki list, but I recommend Millionaire Teacher over all of them for a "get started" book. After that, the Bogleheads Guide to Investing has all of the nuts and bolts details. Millionaire Teacher is easily read, doesn't go too far into specifics (tha...

Thanks to everyone for the help. I met with my 403b advisor a few days ago, and he confirmed that b/c of the size of the overall school's 403b account, we do not pay front-end or back-end load. Nor do we pay any fees outside of the individual fund expense ratios. So, I was quite pleased with that an...

Wait...what? It's all one AA, or at least that what is recommended. His and Hers are only pieces of one portfolio. Where are the other pieces we're missing? Yes, I know. I just came to the Bogle/Index/AA&rebalance school of investing this summer. Previously, we had both been invested in a targe...

It is not uncommon for 401Ks to contain funds that normally have a load. However, as stated previously, many 401k plans don't require you to pay the loads. If you log into the 401K website, you should be able to find a link to download what is known as the Summary Plan Description. I believe all pl...

livesoft wrote:Grill the rep? LOL!
I'll bet you lunch that you now know more about this than the rep.

Thanks. I appreciate the undercurrent of this forum, that this thing really isn't all that complicated.

The sales charge for A shares is the maximum; large investors pay lower loads. Most 401(k) plans with A shares have enough in the funds to avoid the load, or negotiate a load waiver. I have seen this response numerous times on the forum. That 401k plans routinely waive these loads. I personally wou...

Thanks. That makes sense. I feel very confident in this whole approach...it's just the layers of fees that one has to decipher. I wish the whole thing was more transparent.

I have learned SO much from this forum, but I've come across something that I can't figure out. I'm changing jobs this fall and I meet with my school system's 403b provider on Monday. Based on the criteria I've learned from this forum and a whole lot of reading from the "recommended" list,...

Driving with that age = night drive. You'll cover far more distance with fewer stops. Add some Resolve cleaner, paper towels, shopping bags, and more changes of clothes for the little one than you think are necessary. Things can get messy. I can't remember at what age my wife and I figured this out,...