Bogleheads.org

rich

Thank you so much, everyone. I really appreciate the feedback and I'll forward to my friend. I keep hearing litigation mentioned and it may be a reasonable suggestion. However, I just don't think this is the approach this person wants to take. Someone mentioned the media approach. What media? Are yo...

rich

What should be done with screenshots? Send to the university?

Also, I don't think the individual wants to pursue the legal angle. The person just wants the admission they thought they had or an alternative, like acceptance into next year's class.

Thanks!

rich

I don't think there was a misunderstanding of the admission process. The individual was accepted into the university program and then the acceptance into the same program was rescinded due to not enough prerequisite credits. Also the website information was corrected after the acceptance was rescind...

rich

It is a private university that has existed for a couple hundred years and is well known (e.g. not for profit like Kaplan, DeVry, etc). It is not a state university. The organization that the university partners with to provide the job is a state institution.

rich

I’m keeping this intentionally vague so as not to give away names of individuals, organizations, or universities. An individual I know was enticed to change careers based on an advertisement from a university that turned out to have incorrect information. This university program would have provided ...

rich

Thank you for your responses. I really appreciate the advice. I will pursue the recommendation.

(Sorry it took a while for my thank you. I wanted to wait for responses and then got tied up with holiday's, etc.)

rich

Here are the options. I'd appreciate any advice on which is best. Thank you. AMERICAN CENTURY SERVICES LLC ASPIRE FINANCIAL SERVICES AXA EQUITABLE LIFE INSURANCE COMPANY CONFIDENTIAL PLANNING - SMART CHOICE FORESTERS FINANCIAL (FIRST INVESTORS) GWN/EMPLOYEE DEPOSIT ACCT MASS MUTUAL VA METLIFE NY LIF...

rich

Thanks, everyone. We will definitely avoid this salesperson as you have confirmed our suspicion that he is trying to sell an annuity. Thanks to the advice above, we now know we may have other options. We'll try to get additional information on other options and post back here for more assistance. We...

rich

My wife is a public school teacher in New York State. She inquired about her 403(b). We are hoping to purchase a total market index fund and just want to be mailed some information. Instead, we got a contact person that insists on visiting our home. This person works for an insurance company and cla...

rich

livesoft wrote:I would move. I think my parents would follow me to Southern California if I moved there. But at least Albany is not Buffalo.

At least not everybody makes rude comments about places where people live.

rich

Why not just use the kindle cloud reader? Read books in any web browser with no kindle device required. How would that work on the subway, exactly? I don't ride one Sidney and the OP didn't mention it. I was trying to offer some friendly advice and perhaps save the OP some money. The cloud reader i...

rich

Why not just use the kindle cloud reader? Read books in any web browser with no kindle device required.

rich

I've had a Sansa for years. I've also owned a Zune (hated it) and have used iPods. Sansa is the best. It is by FAR the easiest to get music on/off and it is inexpensive relative to aforementioned options. Just plug the Sansa into the PC and it is treated as an external USB drive.

rich

Personally, I find it sad. Malkiel’s “A Random Walk Down Wall Street” was where the light went on and I converted to indexing. He has strayed far from his own advice. I forgave his Chinese stock indiscretion. Now apparently he has knowledge of bonds that the market has not incorporated into the pric...

rich

I successfully restored my data off Mozy after a computer crash.

rich

Not over 45. Stones by a mile.

rich

I hate to burst your good feelings, but every broker does this. If your limit price is above the ask, it is practically illegal* to charge you more than the prevailing price. (Google NBBO.) * (I say "practically illegal" because there is no law, but SEC regulation requires brokers to give you the b...

rich

I placed an order this morning for VWO with a limit of 41.41. The price dropped while I was placing the order and it was executed at 41.36. It was nice that Vanguard got me a better price and I appreciate it! This is just another reason I am very fond of Vanguard.

rich

I found this four-prong strategy interesting. See bottom of page.

http://www.andrewtobias.com/bkoldcolumns/100707.html

rich

You can choose to look at it that way but the reality is Pimco Total Return has outperformed the bond benchmark for the past 1, 3,5,10 and 15 years. That is what I am paying for! If it means spending some time in cash, so be it. He has a PROVEN track record which cannot be denied. Cheers :) Didn't ...

rich

Neat! Thanks!

rich

I thought it was too good to be true too. I used it recently and obtained a quote from a dealer approximately 4 hours away. I subsequently used that quote to obtain a competitive quote from a local dealer. I can't say for sure if the long distance quote would have been honored but I assume it would ...

rich

Thanks to all for the helpful responses!

rich

bump...

I guess my real question is whether my assumption is correct. Do the gold dealers sell to some sort of clearinghouse at the close of business for a set price. In other words, would it be analogous to the closing price on a mutual fund?

rich

Today we went to get three quotes on four 14K gold and one 18K gold pieces. All the gold dealers agreed on the purity and weights. The first dealer quoted $1280. The second and third dealers quoted $1200. For dealers two and three, after receiving the initial quote, we attempted to bargain up by pre...

rich

PC magazine had a good article in the Oct. 2010 issue named "The Best Security Suites for 2011". Excellent review! Bottom line was Norton received highest rating overall & Webroot was also good. Each product has their own strong points, but free Windows is hard to beat! Just curious, does Norton ad...

rich

LadyGeek wrote:Got my eye on this as well. I'm (still!) working to finish Fallout 3 on my Xbox 360. Are the games worth a new console?

Why do you need a new Xbox360? Supposedly the Kinect is compatible with all versions. Am I missing something? Thanks!

rich

Correct me if I am misunderstanding you or if I am reading between the lines too much. Your daughter broke her agreement to repay a loan obligation. You provided a means to immediately get her back into another home under currently favorable prices and interest rates. Would you not consider this gam...

rich

Does your employer offer a Roth 401(k) option? If so, my understanding is that your employee contributions plus any Roth 40(k) contributions combined cannot go over $16,500 for this year. Note this is of course separate from your own individual Roth IRA contribution. Hope that helps. It is a tradit...

rich

Thanks livesoft!

rich

I have gone with a job with no 401k access for the first part of 2010 (Jan - May) to one with 401k access for hopefully the rest of 2010 (June - Dec) and beyond. I already maxed my Roth IRA. Now I want to contribute as much as possible to my 401k. I understand there is a $16,500 limit per year for p...

rich

I use a Word document that is password protected. I just have to remember the password to the Word document.

rich

The free market works fine, and it will punish incompetent and overpaid management. One more subtle way it does so is through takeovers, whether hostile or not. The incompetent CEO is forced to retire and the acquiring company presumably has better management. Best wishes. What about banks? Were al...

rich

Also, this argument about CCFs are expected to do poorly in a deflationary environment is all after the fact. I do not recall anyone saying that before commodities crashed last summer. It was only then did the proponents changed their story. Rick Ferri Rick you are one of the very best and I comple...

rich

I constantly hear two errors about the recent downturn.

1. All assets became correlated and went down together. That is wrong because treasuries did great.

2. CCFs did not perform as expected. That is wrong because CCFs performed EXACTLY as expected in a deflationary environment.

rich

I hear legendary investor Jim Rogers saying he's investing in commodities. How can an average individual investor so that? One way to do it is through the Rogers Agricultural ETN. http://simulator.investopedia.com/stocks/rja :) Jim Rogers is an interesting guy but he has something to sell. I'm not ...

rich

I understand this won't work for the OP but for others I'll join the chorus above urging people to please consider adopting from a shelter. One can even request a specific size or breed and the shelter will do its best to accommodate.

rich

I feel very fortunate and grateful to have this excellent forum as a resource. Like Mr. Roth, my losses were minimal and I have the Bogleheads to thank.

rich

I don't consider Greenspan to be a credible authority.

rich

VWO holders are not necessarily speculators. There have been a number of VWO vs VEIEX threads that show sometimes it makes sense to hold VWO. If one wants an allocation like Swensen's (Unconventional Success) that suggests 10% EM, the only way to get there is by holding a separate emerging market fu...

rich

If this is going to be taped, instead of offering it via DVD, why not just put it in a format that can be downloaded/streamed from this website?

rich

I go with either RB or QB first and second. The RB/QB order depends on what is available (undrafted) in my live draft. Then I take as many quality starting RBs as possible (they tend to get hurt so I like extras). I fill in with WR, D, backup QB, and TE as I see fit.

Good luck!

rich

My votes:
Best American Rock Band: The Eagles
Best Overall Rock Band: The Rolling Stones

rich

manuvns wrote:Black Eyed Peas

Boom boom pow

I like Black Eyed Peas but this brings to mind a funny clip making fun of one of their songs.

http://kafkamaine.com/2009/08/hbn-39-bl ... -song.html

rich

No offense, and not to allow this story to turn political, but --rude remark deleted--. Ok. Now that I've deleted my original reply which had some choice language for you and your little comment above, I'll try something different. I think most of these underwater/foreclosed mortgages in one way or...

rich

It is just amazing that the legal system allows individuals to manipulate it so brazenly. I wouldn't be so infuriated if it was simply a broken contract between two private parties but to have the taxpayer foot this bill is unconscionable. [edit: add] I would suggest writing your Congressmen and th...

rich

It is just amazing that the legal system allows individuals to manipulate it so brazenly. I wouldn't be so infuriated if it was simply a broken contract between two private parties but to have the taxpayer foot this bill is unconscionable. [edit: add] I would suggest writing your Congressmen and the...

rich

I saw Nirvana shortly before Kurt Cobain passed away.

rich

Depending on your family income, you may want to consider the saver's tax credit when choosing the deductible traditional or non deductible Roth.

http://www.investopedia.com/articles/re ... 031704.asp

rich

Vanguard must be lazy. Why don't they do small plans? It's not because they cost too much to administer, because they could simply pass the costs of administering plans to the participants or the employer. The only explanation is that they just don't feel like it, i.e. they are lazy. You don't unde...

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401k max question

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