My wife and I decided that we weren't saving enough. We lived within our means and have no major debt outside of the typical, house, car, and student loans, we just didn't see our savings going up as much as we wanted. We just adopted a new budget, and I have it all laid out in Quicken so she can visually see. This is…

Fair enough, and yes, I was trying to make a general statement to illustrate the difference. Maybe some target funds did tank just as much or if not more than index..... but the logic is that they would be more conservative by that time. ETFs have their worth and place in the world as well, they just weren't in the…

Cut their other costs. Room mates.... carpooling/public transportation, and evaluating your food/entertainment expenses.

An index fund goes up and down with the market, while a target fund is automatically shuffled and mixed with other investments and the diversity of the portfolio in the target fund changes as the target gets nearer. Typically it gets more conservative as the date approaches. If all of your funds are index..... you'll…

This is all well and good, but you also have to live your life. I do everything on here except save 20%. Why, because I'm doing everything else on this list and don't have the 20% to spare. I figure investments trump savings as long as you have a rainy day fund.

They guy should always offer first, and from the get go assume that they are paying. If they for whatever reason say no, you give them a second chance and say, no really it's okay. They will either cave and let you pay, or insist on paying, which you then agree to, or split. Hint..... doing this will often tell you…

I am very tempted to send this to a few co-workers.... must resist the urge!

Graduate, but don't leave college. My student job in records turned into a graduate assistantship in IT, which turned into a free MBA and a full time IT job, which turned into a director level position, which has recently turned into an executive level position. It has taken years, hard work, and networking within my…

Also, netflix DVD/Blu Rays + MakeMKV + Handbrake + iTunes + AppleTV. I'm paying someone, for something. It gives me a much better streaming experience than what Netflix happens to have on their streaming site. It does take work, time, and processing power, but over the years it's become quite extensive. My biggest…

You can also buy medications on the cheap, including cough syrup with codeine over the counter at a hospital pharmacy. Just about every hospital has a pharmacy where you can get generics for pennies. I never buy name brand anymore, as long as my RN wife is there to help me translate what is what as most things there…

things like this are more common than you think. you just did what you had to. the essence of DIY is that humans do these things anyway, we're just teaching ourselves to do them, and if you do that properly, you're fine. I don't however recommend doing anything more advanced with your dog....

I couldn't agree more, except you can't put something like this back in it's box. The only way to curb guns is now with legislation. The only problem with that is that it takes money to enforce. I propose fining both gun manufacturers and gun sellers when their products are used illegally. The crime is negligence, and…

Damn the Man! Thanks for doing the closer reading.

I wonder what the rules are about charging for audiences. If you wanted to start your own movie theater to compete with the big boys...... and run a small business, it could be worth it. You could have lounge style movie theaters that are mom and pop shops supporting the local economy. at $500 per movie, all I would…

I'm sure it's a cost issue, these are most likely much cheaper to produce than solar panels. You have an absolutely valid point though...... the tech has been there to do this type of stuff, and I'm just assuming the issue, none of us have the numbers of cost benefit analysis.

Apple's answer is..... "that is what a thunderbolt display is for" That said, I would probably use a single USB extension cable as audio can be sent to fixed speakers that I wouldn't want to mess with, or to airplay devices.

The issue is with the NCAA. Universities that have off campus venues can and do sell anything they want. I work for a university that plays their basketball games at an NBA arena. Want a beer, go buy one. Want a frozen margarita, find it on the second floor. Want something more sophisticated, cocktail & wine bars at…

"Send in the troll!" "Stab Him!" Best game ever for Genesis.

I LOLed at how polite this entire thread has been. I feel like it would have turned nasty on other sites quickly with a lot of name calling.

I think the industry standard for office will remain as long as exchange and domains remain the industry standard. We in higher ed are a Microsoft shop, running office 2013, unified communications 2013, and sharepoint 2013. We are all in, even though probably 40% of the faculty use Google docs for their research and…