Search found 417 matches

by thebogledude
Wed Jul 12, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12881

Re: Costco vs. other wholesale clubs

Companies like Walmart can pay a higher wage but they would have to raise prices and decrease employee headcount which means the customer pays higher prices and have to wait in line because of fewer cashiers. Costco makes their money on membership fees and they probably get a merchant discount for u...
by thebogledude
Tue Jul 11, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 10
Views: 693

Re: 401k question

You didn't tell your age but the real question in my mind to anyone asking this question is why wouldn't you contribute to a plan always? The match is reason enough to say nothing of the tax advantage for years. Looking for something to out perform the S&P is not relevant nor is the fact that y...
by thebogledude
Tue Jul 11, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12881

Re: Costco with a "gentle" bump for memebership

I think for family shopping needs, nothing will beat prices at a wholesale club vs. retail. (ie. buying in bulk will always be cost effective). I think the calculation should be based on when does the membership fee become more expensive than the savings. if you are spending $100/150 per month, it s...
by thebogledude
Tue Jul 11, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 10
Views: 693

Re: 401k question

The best advice I received from a co-worker when I started my job with a 401k employer match was to contribute at least up to the match as it is "free money". Since at that time I was a novice investor, I allocated 100% of my contribution to the target date retirement fund. After I learne...
by thebogledude
Tue Jul 11, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12881

Costco vs. other wholesale clubs

[Thread merged into here, see below (next page). --admin LadyGeek] I have a Costco membership as well as a BJs membership. Why does Costco have such a loyal following? Is there even a name for the Costco shopper like a Costcler? I have researched online and read that shopping at Costco is like a tr...
by thebogledude
Tue Jul 11, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 10
Views: 693

Re: 401k question

Sounds like you have a great 401k. Costs matter so use the low cost index funds like S&P500. Try to at least get the full match. That's free money! If you want more specific advice I suggest you provide more details of your investment options in the standard recommended format. Thanks Nate. the...
by thebogledude
Tue Jul 11, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 10
Views: 693

Re: 401k question

Yes, you should contribute. The equity index fund with er=0.04% is probably an S&P 500 index fund. The match is good. No reason to avoid this plan. What are the options for small cap, international and bonds? Thanks DSI. The equity fund is not exactly S&P 500 but it is close. Sorry, the emp...
by thebogledude
Tue Jul 11, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 10
Views: 693

401k question

I am considering their 401k plan. The company will match 6%. The er ranges from 0.72% (high) to 0.04% (low). The 0.72% is Fidelity Contrafund. 0.04% is US equity index fund. There is a mix of large caps, small caps, international funds, bond and blended funds. I haven't seen anything that outperform...
by thebogledude
Sun Apr 06, 2014 11:47 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 10270

Re: I don't want to upgrade XP just yet, is that ok?

hi, OP here. I wanted to post the components that I bought for my Win7 build. I'm sorry for the delay because I had to spend a couple nights putting it together and one final night for Win7 install and testing. Glad to report no major hiccups. I use my PC daily for web applications, MS Office and Yo...
by thebogledude
Sun Mar 23, 2014 11:42 pm
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 6267

Re: Car buying experience. Do I have a case to sue the deal

I don't have experience in legal matters but is the price of the car worth hiring an attorney and taking the dealer to court?
by thebogledude
Sun Mar 23, 2014 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 14185

Re: Do you love your job? What do you do?

currently I'm working on my own internet startup. I'm not sure if it will be a success but in my industry failures are a good thing. The hours are long and can be stressful but the work is very exciting in that you are building something that other people will want to use. I am on the technical side...
by thebogledude
Sun Mar 23, 2014 11:03 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 3112

Re: Anyone been to Singapore?

don't forget to bring napkins, they have an aversion to napkins in public places.
by thebogledude
Sun Mar 23, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 13344

Re: Amazon Prime Price Increase

I plan on canceling Prime anyway now that Amazon has started collecting sales tax in my state. I expect to shop more locally. My price threshold for Prime is probably around $40 now. +1. I think the states really level the playing field against amazon. This is my first time on Prime, before that I ...
by thebogledude
Sun Mar 23, 2014 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 98686

Re: Convince me to get a credit card

Use the credit card for its intended purpose which is to build credit history. If you use it as personal credit to borrow against, that's fine if you don't mind paying the high interest rate. There is a 30 day grace period to pay your bill and you have the security the credit card company provides a...
by thebogledude
Sun Mar 23, 2014 9:32 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 10270

Re: I don't want to upgrade XP just yet, is that ok?

OP here. I wanted to thank everyone who responded and update everyone. Initially, I was going to put off upgrading from XP and wait until Windows 9 comes out but their schedule is too far off (2015). I have decided not to risk it and get upgraded to windows 7 for the time being. Technically speaking...
by thebogledude
Fri Mar 14, 2014 12:11 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 10270

Re: I don't want to upgrade XP just yet, is that ok?

I'm the OP. Thank you bogleheads for making me see the light. I was hoping there would be a last ditch effort to save the dying XP but alas, time to upgrade to Win 7.
by thebogledude
Thu Mar 13, 2014 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 12843

Re: Did you retire in your 30s?

Yeah with only a million it would get old. With 100 million though you probably could find ways of entertaining yourself. I can't imagine retiring in my 30s. I was laid off in my 30s and I did the things that retired people do like reading the paper, hanging out at McDonalds all day, watching Golde...
by thebogledude
Thu Mar 13, 2014 9:58 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 10270

Re: I don't want to upgrade XP just yet, is that ok?

"The vast majority of bank ATMs around the world currently run on Windows XP. Come April 8, when Microsoft cuts off support for Windows XP, the vast majority of those bank ATMs will still be running XP." -- ATMs will still run Windows XP . This is quote from USA Today: Even in its final d...
by thebogledude
Thu Mar 13, 2014 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 12843

Re: Did you retire in your 30s?

I can't imagine retiring in my 30s. I was laid off in my 30s and I did the things that retired people do like reading the paper, hanging out at McDonalds all day, watching Golden Girls reruns. Even if I had a million dollars, doing nothing would get old.
by thebogledude
Thu Mar 13, 2014 9:23 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 10270

I don't want to upgrade XP just yet, is that ok?

I have searched the bogleheads forum regarding holding onto windows XP but aside from the how to upgrade to win 7/8, it has been fruitless. I am technically sufficient so I can handle the upgrade on my own but I am stubborn to upgrade to WIn 7 because it will also require upgrading my computer hardw...
by thebogledude
Wed Dec 04, 2013 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Blue Cash Everyday Card from American Express Offer
Replies: 9
Views: 23574

Re: Blue Cash Everyday Card from American Express Offer

Not quite as sweet of a deal, but Chase just doubled the signup bonus for the Freedom card to 20,000 UR points ($200 statement credit, more value if transferred to airlines via Sapphire Preferred account). Need to spend $500 in 3 months, no annual fee. 5X points in rotating categories each quarter,...
by thebogledude
Wed Dec 04, 2013 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Mistakes USA Today article
Replies: 7
Views: 2528

Re: Retirement Mistakes USA Today article

I think its give and take, that's the way it is with open forums. It's all good.
by thebogledude
Tue Dec 03, 2013 11:04 pm
Forum: Personal Consumer Issues
Topic: Free Cloud storage
Replies: 23
Views: 2580

Re: Free Cloud storage

Thanks for the recommendations. My mother just needs a place to keep old pictures and files incase her hard drive dies, virus, fire, etc and doesn't need to routinely back up new files. She has enough Google drive space so I'm going to use that and then will switch to flicker later down the road if...
by thebogledude
Tue Dec 03, 2013 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: My first decade as a Boglehead, a retrospective
Replies: 24
Views: 5311

Re: My first decade as a Boglehead, a retrospective

peterp wrote:They say "there's no such thing as a free lunch" but they're wrong when it comes to the high-quality advice on this forum.


Thanks for the retrospective. I don't consider this forum a free lunch but rather pay it forward.
by thebogledude
Tue Dec 03, 2013 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Mistakes USA Today article
Replies: 7
Views: 2528

Retirement Mistakes USA Today article

This is about the USA Today article titled 7 Big Mistakes To Avoid In First Year Of Retirement . The main mistakes were: 1. Not having a financial or life plan. 2. Overspending 3. Claiming Social Security too early. 4. Being too conservative with investments and not considering inflation. 5. Retirin...
by thebogledude
Tue Dec 03, 2013 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Blue Cash Everyday Card from American Express Offer
Replies: 9
Views: 23574

Re: Blue Cash Everyday Card from American Express Offer

scotthal wrote:I just signed up, but the deal I got was for a $250 statement credit after spending $1000 in the first three months.


this promotion is still on their website, I'm not sure how you got the $250 statement credit.
by thebogledude
Tue Dec 03, 2013 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Blue Cash Everyday Card from American Express Offer
Replies: 9
Views: 23574

Blue Cash Everyday Card from American Express Offer

There is currently an offer for the Blue Cash Everyday Card from American Express. This is the Blue Cash Everyday that has the no annual fee, just to be clear, the Blue Cash Preferred has the $75 annual fee. Here is what the current promotion offers including the cash back benefits of the card: Get ...
by thebogledude
Sun Oct 27, 2013 10:52 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett: Top 3 investment mistakes to avoid
Replies: 18
Views: 4315

Re: Warren Buffett: Top 3 investment mistakes to avoid

So in a way he is looking at cash as a way to feel safe the way Bogleheads kind of look at fixed income. I don't believe that's the way he is looking at cash. Buffet is always looking to make an acquisition, this is pretty much well known. In fact, in his annual reports, he says that holding all th...
by thebogledude
Mon Sep 30, 2013 12:28 am
Forum: Investing - Help with Personal Investments
Topic: 34 year old single teacher trying to rebalance 403B and Roth
Replies: 21
Views: 1619

Re: 34 year old single teacher trying to rebalance 403B and

joe8d wrote:100% 403B.You can always do Stock Index Funds in Taxable,T-IRA and Roth.


I agree with this. 100% 403B Fixed Return Fund. Total Stock Index in Taxable, T-IRA and Roth.
by thebogledude
Sun Sep 29, 2013 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: preparing children for wealth
Replies: 52
Views: 7879

Re: preparing children for wealth

I think the popular lesson is to open a savings account for the kids and teach them about saving and the power of compounding interest and then teaching them about stocks and bonds at a later age. At 18, that is when you want them to manage a little money and by 25 that is the proper age for them to...
by thebogledude
Sat Sep 28, 2013 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Father left my Mother Suddenly, Need advice
Replies: 64
Views: 11475

Re: Father left my Mother Suddenly, Need advice

If she accepts him back after something like this, she would be telling him that she is willing to be a doormat. Besides, according to the OP, this couple did not split. One abandoned the other without warning. Depends on how the mom feels but the Irish in me would make it so that coming back would...
by thebogledude
Sat Sep 28, 2013 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Father left my Mother Suddenly, Need advice
Replies: 64
Views: 11475

Re: Father left my Mother Suddenly, Need advice

Wilked: You made a statement that carries a lot of weight: Half of savings removed (down to the penny). Your dad is not void of character. Hopefully, your parents will be able to work together for the betterment of everyone. Best wishes. Taylor That just says his father covered his bases and didn't...
by thebogledude
Sat Sep 28, 2013 12:22 am
Forum: Personal Consumer Issues
Topic: phone upgrade- 1st smart phone
Replies: 23
Views: 1757

Re: phone upgrade- 1st smart phone

I purchased the 4s last year. I was surprised Apple decided to keep it in their lineup when they announded the 5s. I don't have any complaints about it, it does everything it's suppose to do. I plan to keep it for a while mainly because it was so expensive. I never used android or galaxy for that ma...
by thebogledude
Tue Sep 24, 2013 10:57 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, how do you search for a job?
Replies: 17
Views: 3207

Re: Bogleheads, how do you search for a job?

I think applying for a job through linkedin is the current trend also I think linkedin provide their analytics for the recruiters. What is difficult will be logistics for interviewing (how will you do a face interview or are they willing to skype?)
by thebogledude
Tue Sep 24, 2013 10:36 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool ONE Feedback
Replies: 19
Views: 3905

Re: Motley Fool ONE Feedback

I agree that MF has gone down hill since they started promoting their "winning portfolios". When they started (90's?) it was at least interesting and not annoying with the pitches. But, what's to be expected--it takes income of some kind to survive. If that's your bag, they make a good se...
by thebogledude
Mon Sep 23, 2013 2:44 pm
Forum: Personal Consumer Issues
Topic: Free Wharton MBA Classes
Replies: 26
Views: 3684

Re: Free Wharton MBA Classes

bogledude: Which class did you sign up for? Can you give us a weekly update as to how this class works out for you? I am really interested in this, but not if it is too much to handle. My son is off to college and we are now empty nesters and looking for something to do. Ed MP173, Introduction to F...
by thebogledude
Mon Sep 23, 2013 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 29731

Re: Young Guys Making Good Money

just from paying attention to media and forum, I would say
business owners/entrepreneurs/self employed.
I tend to follow the do what you love and the money will follow mantra (I think that's Buffet's).
I think 60k is what most people say they are happy with earning in a 40 hr/week low stress job.
by thebogledude
Sun Sep 22, 2013 8:30 pm
Forum: Personal Consumer Issues
Topic: Free Wharton MBA Classes
Replies: 26
Views: 3684

Re: Free Wharton MBA Classes

Thanks, I saw the word Free and quickly jumped on this thread. Just registered for a free course and then I saw this: What is the coolest thing I'll learn if I take this class? You will not only better understand what people in the business media are talking about, you will also be able to notice wh...
by thebogledude
Sat Sep 21, 2013 12:31 am
Forum: Personal Consumer Issues
Topic: IPhone 4s vs. 5 vs 5c
Replies: 53
Views: 5859

Re: IPhone 4s vs. 5 vs 5c

I don't think you need to upgrade to keep up with the latest technology. If you can live with 3G data then 4s would be the better value. I just installed ios7 on it and it looks and feels like a new phone. I also prefer the smaller footprint of the 4s since I had upgraded from a flip phone last year...
by thebogledude
Tue Sep 17, 2013 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 15260

Re: Got fired earlier this week, now the boss wants me back

OP here. He apologized for the method of firing, but reminded me he had counseled me several times, so there was cause for termination - which I'm not disputing, as it really boils down to "You kept on doing what I told you not to do, so I fired you." Hey, it's his practice. I think the q...
by thebogledude
Tue Sep 17, 2013 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 15260

Re: Got fired earlier this week, now the boss wants me back

I hardly think my requests are "sticking it to him." The guy needs me back in a big way after his plan to replace me fell through, and after firing me in such a crappy manner - you did read the original post, right? Sorry OP, my mistake, I wasn't implying your requests were "sticking...
by thebogledude
Sun Sep 15, 2013 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 15260

Re: Got fired earlier this week, now the boss wants me back

I'm not sure if making a list of demands and sticking it to your boss would be the way to go. Keep in mind, this guy has some clout in your circle and with your career prospects and you did work for him for three years. To answer the OP question, I would go back but on your own terms so that you do ...
by thebogledude
Tue Sep 10, 2013 9:24 pm
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 8249

Re: How do you "rent" movies?

I do the RedBox freebie once a month. Hulu to catch up on any cable shows since we cut the cord with cable.
I would say the public library is just as good as blockbuster or any video store.
by thebogledude
Tue Sep 10, 2013 8:54 pm
Forum: Personal Consumer Issues
Topic: Home PC Upgrade Path (from Win98SE). Yes, it's time.
Replies: 35
Views: 3094

Re: Home PC Upgrade Path (from Win98SE). Yes, it's time.

Here are the requirements for XP home, it looks like it fits with what the OP has: Pentium 233-megahertz (MHz) processor or faster (300 MHz is recommended) At least 64 megabytes (MB) of RAM (128 MB is recommended) At least 1.5 gigabytes (GB) of available space on the hard disk CD-ROM or DVD-ROM driv...
by thebogledude
Tue Sep 10, 2013 1:01 pm
Forum: Personal Consumer Issues
Topic: Home PC Upgrade Path (from Win98SE). Yes, it's time.
Replies: 35
Views: 3094

Re: Home PC Upgrade Path (from Win98SE). Yes, it's time.

In my opinion your best choice right now is Windows 7 Professional 64-bit edition. It's easy to find used or refurbished machines with it installed, it supports all modern software and it'll be many years before they stop supporting it. You could switch entirely to Linux on a newer machine, but you...
by thebogledude
Tue Sep 10, 2013 9:51 am
Forum: Personal Consumer Issues
Topic: Home PC Upgrade Path (from Win98SE). Yes, it's time.
Replies: 35
Views: 3094

Re: Home PC Upgrade Path (from Win98SE). Yes, it's time.

Excel does not run on Linux and you risk losing your spreadsheets because they are incompatible with Linux. If these are old versions of Excel, they can usually be read easily by OpenOffice's Calc or LibreOffice's Calc. My experience with these office like products including Star Office is that the...
by thebogledude
Mon Sep 09, 2013 9:32 pm
Forum: Personal Consumer Issues
Topic: Home PC Upgrade Path (from Win98SE). Yes, it's time.
Replies: 35
Views: 3094

Re: Home PC Upgrade Path (from Win98SE). Yes, it's time.

I would not recommend solely installing Linux over Win98SE as others suggested, if you want to continue using your version of Excel and win3 records. Excel does not run on Linux and you risk losing your spreadsheets because they are incompatible with Linux. Option #1 which is what you are asking : I...
by thebogledude
Sun Aug 18, 2013 7:45 pm
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 84
Views: 8207

Re: Object oriented programming for a high school junior

martim wrote:Thanks for all the replies.

Any recommendation on good fundamentals book programming and/or OOP?


Martim,

Programming books can be expensive $40-$50. The kind that you are looking for should be available online for free.
by thebogledude
Tue Aug 13, 2013 8:41 pm
Forum: Personal Consumer Issues
Topic: New Car or Drive My Civic to the Ground?
Replies: 56
Views: 6405

Re: New Car or Drive My Civic to the Ground?

+1 I just went through something similar with a 2001 Honda CR-V. Cost of repairs = 1,800 Trade in value = 3,000 New car = 20,000 Mileage = 130,000 I am keeping it and doing most of the repairs myself. +1 Run it into the ground. Aside from the battery and starter, there's not that much more that can...

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