Search found 27 matches

Return to advanced search

Re: Teacher Considering Career Change

I second what others have said. give it a second year in a different school. One thing that hasn't been mentioned is that teaching is a rare profession where experience takes a lot of time to build up. I've been teaching for eleven years, but that means less than it sounds like. for example, I've on...
by ja16351
Fri Jul 18, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3979

Re: eMail mailing list solutions for a group of ~200?

Mailchimp is a great service, but i don't think its really geared for two-way communication. I use it for a newsletter,and it is very good at that. RSS is a fantastic technology, but it fails the "basic" user test. As in, it takes too long to understand what it is, how it works, etc. With ...
by ja16351
Tue Apr 29, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: eMail mailing list solutions for a group of ~200?
Replies: 12
Views: 836

Re: Save money by thinking Cyclic rather than Linear

For me, it works like this... Every time I had to pay an annual bill or some other recurring expense (and I hadn't saved for it) , I added it to my savings every month. After a year or so, I now have those expenses saved for every time they come around. I even estimated how long the tires on my cars...
by ja16351
Sat Dec 28, 2013 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Save money by thinking Cyclic rather than Linear
Replies: 14
Views: 1471

Re: Tips for a One-Way U-Haul Move

I've done several of these. 1. Verify the odometer yourself on pick-up. I didn't do it once, and the check-out person transposed two of the digits. Long story short, when I checked it back in a few days later, I somehow had several thousand miles on the truck when I should have only had a few hundre...
by ja16351
Sun Dec 22, 2013 8:38 am
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 2315

Re: Fun Education- KhanAcademy

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...
by ja16351
Sat Mar 02, 2013 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Fun Education- KhanAcademy
Replies: 20
Views: 2267

Re: Dropbox as Backup

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...
by ja16351
Thu Jan 03, 2013 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Dropbox as Backup
Replies: 19
Views: 1883

Thank You to the BogleHeads

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...
by ja16351
Fri Dec 21, 2012 12:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank You to the BogleHeads
Replies: 13
Views: 985

Re: Sickening Quicken...

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 ...
by ja16351
Tue Nov 06, 2012 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sickening Quicken...
Replies: 41
Views: 3949

Re: looking to switch banks

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...
by ja16351
Sun Nov 04, 2012 7:09 am
 
Forum: Personal Finance (Not Investing)
Topic: looking to switch banks
Replies: 14
Views: 1057

Re: Baby Gear Recommendations

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...
by ja16351
Sat Nov 03, 2012 9:58 am
 
Forum: Personal Consumer Issues
Topic: Baby Gear Recommendations
Replies: 19
Views: 2289

Re: MINT

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...
by ja16351
Sat Oct 27, 2012 1:03 pm
 
Forum: Personal Consumer Issues
Topic: MINT
Replies: 43
Views: 5075

Re: I ditch Bank of America :-)

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...
by ja16351
Fri Oct 19, 2012 5:48 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3990

Re: "Aftershock"

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."
by ja16351
Sat Oct 06, 2012 4:23 pm
 
Forum: Personal Consumer Issues
Topic: "Aftershock"
Replies: 14
Views: 1425

Re: Why your rewards card is killing the economy

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...
by ja16351
Thu Oct 04, 2012 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Why your rewards card is killing the economy
Replies: 22
Views: 1476

Re: ING Direct Login Down - No Web, No Phone Transactions

[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.
by ja16351
Mon Sep 10, 2012 8:16 pm
 
Forum: Personal Consumer Issues
Topic: ING Direct Login Down - No Web, No Phone Transactions
Replies: 7
Views: 940

Re: advice re cancelling cable, WiFi option

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...
by ja16351
Mon Sep 10, 2012 7:41 pm
 
Forum: Personal Consumer Issues
Topic: advice re cancelling cable, WiFi option
Replies: 20
Views: 2152

Re: advice re cancelling cable, WiFi option

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...
by ja16351
Mon Sep 10, 2012 7:08 pm
 
Forum: Personal Consumer Issues
Topic: advice re cancelling cable, WiFi option
Replies: 20
Views: 2152

Re: Best Investing Books for a Recent College Grad

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...
by ja16351
Mon Sep 10, 2012 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Investing Books for a Recent College Grad
Replies: 25
Views: 2259

Re: PIMCO Total Return share class - how to ask a question

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...
by ja16351
Fri Aug 03, 2012 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

Re: PIMCO Total Return share class - how to ask a question

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...
by ja16351
Sun Jul 22, 2012 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

Re: PIMCO Total Return share class - how to ask a question

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...
by ja16351
Sun Jul 22, 2012 6:28 am
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

Re: PIMCO Total Return share class - how to ask a question

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.
by ja16351
Sat Jul 21, 2012 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

Re: PIMCO Total Return share class - how to ask a question

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...
by ja16351
Sat Jul 21, 2012 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

Re: PIMCO Total Return share class - how to ask a question

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.
by ja16351
Sat Jul 21, 2012 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

PIMCO Total Return share class - how to ask a question

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,...
by ja16351
Sat Jul 21, 2012 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return share class - how to ask a question
Replies: 14
Views: 1965

Re: Road trips with infants

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,...
by ja16351
Fri Jul 20, 2012 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Road trips with infants
Replies: 22
Views: 2045

Return to advanced search