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Re: POLL: what's the deal with Tuna Fish?

cfs wrote:Starkist, chunk light, in water.

That's right! I forgot to ask about "solid white" versus "chunk light". I always felt this was akin to the difference between white chicken versus the dark meat -- the latter being less popular but supposedly healthier. But that's just a guess.
by schuyler74
Sun Apr 20, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3052

Re: POLL: what's the deal with Tuna Fish?

Sushi fresh, sandwiches water. You won't let me vote twice, so I won't vote at all. Oh, sscritic , now... votecritic. :) Good point -- I guess I wasn't considering multiple votes. I don't like this forum's voting mechanism when you open it up to more than 1 vote because it screws up the result %s o...
by schuyler74
Sun Apr 20, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3052

POLL: what's the deal with Tuna Fish?

In the past, I preferred buying tuna in a can with oil. I always just figured it was fish oil and full of good stuff -- didn't even check. But then someone told me that the oil isn't even fish-based, it's just a vegetable oil! They said tuna packed in water is healthier. So I switched. Were they rig...
by schuyler74
Sun Apr 20, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3052

Re: POLL: why carry cash?

Even if studies show that "people" buy junk food with plastic, it does not mean that all people do so. winglessangel31 , you and I don't buy junk food. However, we all make some purchases with our credit cards that we would not have made with cash. I have a CC that gives 1% cash back on a...
by schuyler74
Sun Apr 20, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7394

Re: POLL: why carry cash?

Time for my Saturday morning donut run with my dirty money. Will it be east to save a nickel on a cinnamon roll or south to save a nickel on a glazed raised and a crumb cake (although I usually reverse the words and order a raised glazed and a cake crumb - I am not sure which is correct)? I've been...
by schuyler74
Sat Apr 19, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7394

POLL: why carry cash?

Every day, I stand in line at my workplace's cafeteria. I find myself frustrated waiting for the ones in front of me to dig pennies out of their pocket or purse, trying to find the exact change. Or else they hand the cashier a $20 and I watch as the girl (relatively quickly) counts out and returns t...
by schuyler74
Fri Apr 18, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7394

Re: Amazon.com prices change quickly

http://camelcamelcamel.com is fascinating; I hadn't heard about it before. The ability to set a price point and have it shoot you an email or a tweet is incredible. It feels similar to setting a price point on a stock and having it auto-buy it for you. However -- as JoMoney mentioned above, isn't t...
by schuyler74
Fri Apr 18, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 4642

Amazon.com prices change quickly

I just bought this mattress on Monday for $119.00 plus tax. It claimed the "list price" was $265. Then on Friday, I checked the page again and now it's selling for $199.95! I asked a friend about it today and he said he has noticed multiple times that he'll have an item saved in his Cart a...
by schuyler74
Fri Apr 18, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 4642

Re: Hand held illuminated magnifying glass

I expect you're not looking for a smartphone app, but I tried out several of them the other day and settled on a free one called "Magnifier" by MMAPPS MOBILE. If your phone has a good camera and flash, it's quite good with zooming, autofocus, illumination, and freezing the picture. There w...
by schuyler74
Mon Apr 14, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 769

Dave Ramsey's $15K financial literacy Challenge

Click on the orange " Take the Quiz! " button: https://www.53schools.com It says just by completing it, you can win either a $5,000 scholarship or a Chromebook. April is National Financial Literacy Month, and to celebrate, New York Times best-selling author and nationally syndicated radio ...
by schuyler74
Thu Apr 10, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's $15K financial literacy Challenge
Replies: 6
Views: 1534

Buying for someone who "has everything"

I'm not rich, but because I'm frugal I make "enough" money and therefore already have pretty much whatever I want. If I want it, I probably already have it. And if I don't have it, it's either because I don't know it exists or else I just don't want it enough. So for birthdays & Christ...
by schuyler74
Fri Apr 04, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2306

Re: New Friends are the Anti-Bogleheads, what to do?

I agree that you should not offer unsolicited advice. Nobody really likes being unwittingly preached to. However, also think about the possibility that you could be still be friends in 10 years or so, have never discussed your financial perspectives with them, and they then bring up whitecoatinvest...
by schuyler74
Tue Apr 01, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8430

Re: Single Income Family with 4 Children (so far)

I would like to hear how much the husband has in savings. The only fair system that can work with a stay-at-home parent is where all finances are shared. There is no his/her distinction -- just "ours". I'm guessing that is true since the OP's situation and mine are very similar except I'm...
by schuyler74
Wed Mar 19, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single Income Family with 4 Children (so far)
Replies: 69
Views: 4685

Re: CAR: should I buy new/used, cash/financed? (w/$details)

Some polls might as well ask, "What do you feel like for lunch today?" LOL :D For this poll, my intention was to ask how you bought your own car which would help shed some light on the answers. For example, the current results show almost 75%(!) of voters paid cash for their current car w...
by schuyler74
Tue Mar 18, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1138

Re: CAR: should I buy new/used, cash/financed? (w/$details)

As a side note, I always find these Boglehead.com polls fascinating. This one, for example, currently has just 12 responses equally divided at 25% each. However, from other threads I've seen recently, I expect the final tally (if it reaches critical mass) to lean about 60% NEW / 40% USED, and about ...
by schuyler74
Mon Mar 17, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1138

Re: CAR: should I buy new/used, cash/financed? (w/$details)

He doesn't have much liquid cash besides his "emergency fund", but does have some taxable investments he could sell if he chose to. From our prior conversations, however, my guess is that he prefers not to exchange these straight up for a car and is quite confident his job/income is safe, ...
by schuyler74
Mon Mar 17, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1138

Re: CAR: should I buy new/used, cash/financed? (w/$details)

Good points! He'll definitely pay to minimize the likelihood of unscheduled repairs, so reliability is important. His area of the country has a lot of salt on the roads in the winter, if that makes a difference. The "feel" of the car is something he has mentioned several times; he wants to...
by schuyler74
Mon Mar 17, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1138

CAR: should I buy new/used, cash/financed? [POLL]

My friend is familiar with this site and asked me to post this. His car is dying and will replace it soon. He nets $5,000 per month and is single & child-free; no loans besides the house mortgage at $2,000/mo, and he's already maxing out his tax-advantaged accounts & emergency fund is set. H...
by schuyler74
Mon Mar 17, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1138

Re: House too small; what to do?

I'd say my biggest concern will be the 1.5 bathrooms because there's just one tub. My oldest is only 7 years old but once a few of them start taking daily showers and need more privacy, there will be a line of people waiting in the mornings! (We do have a tankless H/W heater so at least running out ...
by schuyler74
Thu Mar 13, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3063

Re: Car Buying Strategy

I just bought a used car this past weekend. I'm with you -- cash only! Found a 2010 model for $10.5k after a recent $1k price drop, then negotiated down an additional $700. Just 25,000 miles. My thought process was this: I don't want a car to trade in, but rather keep until dead so I don't care abou...
by schuyler74
Tue Mar 11, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Strategy
Replies: 46
Views: 3797

House too small; what to do?

My home is 1420 square feet with 2 adults and 5 children (oldest isn't 10 yet). 3 bedrooms; 1 1/2 bath. Starting to get a bit cozy! A friend at work says the rule of thumb is to have about 1,000 sq ft per person to avoid feeling claustrophobic, but this would require a 7,000 sq ft house! I think his...
by schuyler74
Tue Mar 11, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3063

Re: Index Funds, Active Funds, or Both? WSJ Video

Rick, when are you going to write a book called " The Secret Sauce "? :) Owen Murray presented the same case my (former) Financial Advisor gave me regarding "Active vs. Passive" funds: that an active manager has the freedom to distinguish "financially sound" companies f...
by schuyler74
Fri Mar 07, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Index Funds, Active Funds, or Both? WSJ Video
Replies: 4
Views: 333

FutureAdvisor.com

Found a link to FutureAdvisor.com on CNN today (hadn't heard of it) and now I see a few posts on here have briefly mentioned it in the past. Its methodology page explicitly states its suggestions rely on low-cost indexing and mentions 5 books which guide the algorithmic principles, the first of whic...
by schuyler74
Thu Mar 06, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: FutureAdvisor.com
Replies: 8
Views: 640

Re: 401 match (poll)

Mine matches half of what you contribute, with a max of 2%. So I put in 4% or more, they give 2%.
by schuyler74
Thu Mar 06, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1771

Re: [POLL] What do Bogleheads DRINK?

... if most of you are drinking coffee, then maybe I should be too. Correlation is certainly not causation, but if it can be shown that a disproportionate amount of successful people are doing a particular activity, it may be worth investigating. After 1374 responses, here's where we stand: Water 2...
by schuyler74
Wed Mar 05, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: You know you're a Boglehead when ...

... you see LadyGeek's login and go "drat! the thread's been locked now. :oops: " ;-) :thumbsup ( glad I'm not the only one ) You've been hitting the 'refresh button' on the bogleheads.org home page for over an hour, and now you really gotta go, but if you get up you might miss something ...
by schuyler74
Tue Mar 04, 2014 11:50 am
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5164

Re: Start Roth in 2013 for down payment?

My main question is about where to put down-payment savings [and] whether or not we should we use Roth space now to save for a down payment. Questions: 1. Should we put our $10,000 into a Roth with the intent of using it for a house down payment? 2. Would it be better to forfeit the Roth space and ...
by schuyler74
Tue Mar 04, 2014 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Start Roth in 2013 for down payment?
Replies: 6
Views: 391

Re: Bogleheads.org Home Page Updated

Perhaps these should be user-configurable options. Can the fonts be made user-selectable in our account preferences? The posts appear to be "Trebuchet MS, size 13" while the Home Page is "Helvetica, size 16" in the boxes and whatever your browser default is for the Post titles. ...
by schuyler74
Mon Mar 03, 2014 10:46 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9135

Re: Bogleheads.org Home Page Updated

7:50 PM EST, Home Page looks very different. New fonts, boxes on the left, what's going on?
24 hours of bliss, and now this.
#cheeseKeepsMoving
by schuyler74
Mon Mar 03, 2014 8:50 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9135

Re: [POLL] What do Bogleheads DRINK?

With 1023 responses in, here's where we stand:

Code: Select all
Water  213
Coffee 168
Wine   116
Beer   103
Tea     99
Juice   83
Milk    80
Liquor  76
Soda    70
Other   15
by schuyler74
Mon Mar 03, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: [POLL] What do Bogleheads DRINK?

Doesn't everyone drink water, even if insufficiently? Sure, but I don't drink water as a matter of course. For example, I don't keep a bottle of water at my desk at work, nor do I ever drink it with a meal. It's too bland. Of course almost everyone drinks more water than anything else. No one puts ...
by schuyler74
Mon Mar 03, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Thank you, Bonnan! I appreciate the friendly gesture. At this point, I just need to hope that by the time I make the decision there are still spots left! Sounds like the place fills up fast.

FWIW, I found on a Google search that in 2012 the conference hosted roughly 200 attendees.
by schuyler74
Mon Mar 03, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10917

Re: [POLL] What do Bogleheads DRINK?

cheese_breath wrote:I'm wondering who drinks Other and what it is.

I wanted to limit the options to 10, but "Other" could be things like Sports Drinks (Gatorade) or Energy Drinks (Monster / Red Bull).

I'm fascinated already by the responses! I didn't think Water would be so high, nor Liquor so low.
by schuyler74
Mon Mar 03, 2014 1:14 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: [POLL] What do Bogleheads DRINK?

jmndu99 wrote:As of my vote coffee and water are tied

I suspect "Coffee" may jump ahead about 8 hours from now, once the U.S. starts waking up. :beer
by schuyler74
Mon Mar 03, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

[POLL] What do Bogleheads DRINK?

The author of The Millionaire Next Door often makes the point that if you want to be successful at something, you should mimic the things they do. A similar concept is presented in The 7 Habits of Highly Effective People , as well as a variety of other books on this topic. So when I see such a large...
by schuyler74
Mon Mar 03, 2014 12:31 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: Bogleheads.org Home Page Updated

How about a FAQ for new users? I expect such a thing may exist somewhere already but I don't see it staring at me on the Home Page. The link could bring you to a page specifically for new users that tells you quick logistical info: how to post, forum etiquette, info regarding PMs, how to use BBCodes...
by schuyler74
Sun Mar 02, 2014 11:45 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9135

Re: Bogleheads.org Home Page Updated

I don't see a way to "Login" on the Home Page (could you before?). On the other hand, if the Home Page displays exactly the same content whether or not you're logged in, I suppose there's no need to provide a Login button. Just feels like it should be there, though, if for no other reason ...
by schuyler74
Sun Mar 02, 2014 11:20 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9135

Re: Bogleheads.org Home Page Updated

New home page format; new ways to start a new topic; next thing you know they'll be adding a "Like :thumbsup " button on individual posts!
This place is going downhill fast. :)
by schuyler74
Sun Mar 02, 2014 11:06 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9135

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

How many people can attend this event? I saw the 250 quickly above and thought that was the number but it's the price. Can't be too many people, right? How could Mr. Bogle lead a tour of a few thousand through the Vanguard complex?
by schuyler74
Sun Mar 02, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10917

Re: Why the love for target date funds?

Below is Vanguard's recommended Glide Path. In another thread , retiredjg suggested that "almost all target funds have too much in stocks and it ended up that way because the companies were competing with each other, not because the numbers were appropriate for an age." Is this true? The c...
by schuyler74
Sun Mar 02, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3653

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I enjoyed reading that article and although a line in it said, "No question is considered too stupid," I'll let you decide how stupid mine is and just ask it anyway since I doubt I'm the only one thinking it... I would love to attend this conference but two things prevent me from writing t...
by schuyler74
Sun Mar 02, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10917

Re: finding ways to save money

Last year I used the same triple blade razor for the whole year. My family spends very little on clothing. We call ourselves the ragamuffin family. We drive our cars till they die. No debt. No interest. Get rid of cable tv. (I still have cable. I like the sports too much.) These all sound familiar....
by schuyler74
Sun Mar 02, 2014 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: finding ways to save money
Replies: 39
Views: 3438

Re: Best way to safely increase expected returns

Wow! Good stuff, I appreciate the responses. berntson -- I'm trying to phrase the question generically to avoid asking for a specific recommendation on my own portfolio, but for this example say it's something Vanguard might recommend in a glide-path for a 40-year old: 60% TSM, 30% ex-US, and 10% bo...
by schuyler74
Sun Mar 02, 2014 12:37 am
 
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 2142

Re: finding ways to save money

It sounds like you itemize due to an abundance of exemptions & deductions (mortgage, multiple children, maybe married), so my guess is your tax rate today is less than what it will be at retirement, so a way to effectively get more into your tax-advantage accounts is to do the "Roth version...
by schuyler74
Sun Mar 02, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: finding ways to save money
Replies: 39
Views: 3438

Best way to safely increase expected returns

Say I'm 40 and want to retire at 60. I have $500,000 in my 401k and firecalc.com tells me (using its typical assumptions re: return, inflation, etc.) that I'll have $2 Million at age 60 which gives me enough to withdraw some desired amount each year. But if I really want to spend more than this, wha...
by schuyler74
Sat Mar 01, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 2142

Re: Avoiding VNQ due to interest rate [Vanguard REIT]

Thanks richard. I realize I'm straying from the OP's question, so I've created a new thread in order to keep this one on-topic.
by schuyler74
Sat Mar 01, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding VNQ due to interest rate [Vanguard REIT]
Replies: 28
Views: 2284

REITs as a third asset class

I asked the following in a different thread but it's a bit off-topic there. REITs are real assets, the returns are equity-like, based on the macroeconomic factors of economic growth leading to demand for Commercial Real Estate (CRE) space, plus rental increases (that's inflation linked). However, if...
by schuyler74
Sat Mar 01, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: REITs as a third asset class
Replies: 29
Views: 3639

Re: Avoiding VNQ due to interest rate [Vanguard REIT]

REITs are real assets, the returns are equity-like, based on the macroeconomic factors of economic growth leading to demand for Commercial Real Estate (CRE) space, plus rental increases (that's inflation linked). However, if inflation rises, as it might do in a stronger economy, REITs should do rel...
by schuyler74
Sat Mar 01, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding VNQ due to interest rate [Vanguard REIT]
Replies: 28
Views: 2284

Re: Like button for this site?

pennstater2005 wrote, in response to what schuyler74 wrote: :thumbsdown

Ha! Thanks for making my point so eloquently, @pennstater2005.

#Q.E.D.
by schuyler74
Fri Feb 28, 2014 10:25 pm
 
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 69
Views: 3744

Re: Like button for this site?

No please please don't...... A few of us are old enough to remember when M* tried this and it turned a bad idea into a disaster :shock: What was this disaster? Multiple references to it, but no details; it sounds fascinating! I'm aware the admins have made it very clear on multiple occasions that s...
by schuyler74
Fri Feb 28, 2014 8:57 pm
 
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 69
Views: 3744
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