You only need one if you know what you are doing, unless you have odd things like BT or RF needs, even then the RF needs could be met by a more expensive remote.

This is good advice, we didn't plunk down all of our savings on the down payment, instead we bought and did things like install central air and AC that was non-existent before. The improvements raise the value of the home as long as they are good return on investment improvements, so now my mortgage principle is less…

For years Apple hasn't minded leaving openings like this available. In fact, several of their surprisingly easy openings might benefit them in the long run. In previous examples such as hackintoshes, where arguably you are "stealing" the most because you are taking apples code, altering it so that it installs on a pc,…

So I have the best neighbor name story, and it is still going on. Three years ago, I bought a house next to this middle aged man who lives alone. He was always out in the yard raking, watering, mowing, yard things. Well he always waves hello and for the first couple months he knew our names, including our dog's name.…

Yes, because the whole point is to lower distractions and if you are typing an address or searching for a name, you aren't paying attention. A lot of newer phones have a driving mode or hands free mode GS4 for me. You should enable this and place your phone before shifting out of park. Cops don't care what you were…

Yeah, and I don't want to be a UPS driver....... Your argument is strange. Ever heard of work smarter not harder? I remember hearing that the guy who repairs the $50K imported car can afford the $100K car if they do things like run their own specialty shop. Do you need more than experience/technical degree to be a…

There are easier ways than simply just not going. Scholarship, working through school, saving early, responsible levels of debt, getting your employer to pay for it..... etc are all viable options. There are stories of people who get by without it..... but the law of numbers says it's better.

Also, while you are there, get yourself and your spouse an advanced degree!

Option 2, work for a college or university with tuition remission. My children aren't born yet, but this winter I will hit the required years of service for my dependents to qualify for tuition remission. For me, that's 6 years of full time employment. I will only have to pay room/board/and books. Also, depending on…

asdgay45q3 is right. Even at a young age you should get a card, and use it like cash, with on-line banking you can even pay it off the next day. By the time I was 19, I had excellent credit due to this practice. I have yet to be charged any credit card interest ten years later and unlike some friends I have a high…

@asdgay45q3 is right. Even at a young age you should get a card, and use it like cash, with on-line banking you can even pay it off the next day. By the time I was 19, I had excellent credit due to this practice. I have yet to be charged any credit card interest ten years later and unlike some friends I have a high…

@asdgay45q3 is right. Even at a young age you should get a card, and use it like cash, with on-line banking you can even pay it off the next day. By the time I was 19, I had excellent credit due to this practice. I have yet to be charged any credit card interest ten years later and unlike some friends I have a high…

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…