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samclem, Thanks for your excellent explaination! No, I don't assume that FD has an obligation to answer anything, but since he was going on extensively about how informed he is about this subject, I thought that he would answer a straightforward question. I was not demanding a quick answer...

"Okay I'll ask again ,what are the benefits of a ETF as compared to a index fund ?" I'd like to know the answer to this too. FD, gonna help us out here or ignore the question again?

We call it 'charm school' when researchers are sent to the WO (Washington Office) to learn how to become administrators. W2r, it's 60 days in my agency. I'm working on my papers today and hope to get them in the mail this afternoon :).

I've always been a saver and LBYMer. Threw a few dollars into a TIRA in my 20's when I was working on and off, mostly at the insistence of my mom. When I became a permanent Fed in my 30's I invested in TSP. But it wasn't until my mid 40's when my husband died and I sat down with a FA that I...

Because I have only a few months left until ER! I think I'll request a change once I'm over on the other side.

Martha, As far as I can figure, your only option for buying a new phone NOT through Verizon is eBay. But you have to be very careful as some of the phones they show require a 2-year contract, others are display dummies (who wants these??) and some are prepay phones which when I asked Verizon...

"So do professional bug researchers call oligochaetes and polychaetes "ollies and pollies" or is that just us grunt bug pickers, oxygen deprived, breathing those toxic fumes?" I've never used nicknames for these groups, but just because I never worked with them extensively. Seems like anytime...

Can't believe that there's another 'bug picker' in the group! I've been a: Chicken fryer (KFC) Telephone information operator Office grunt Postal worker Meat cutter Seasonal technician (bugs, fungi & trees) Bug researcher

I too said not a penny, because to me, tithe means giving to religious organizations. I do however give to several charities and NPO's every year.

Checked there, no go unfortunately.

Thanks for all your replies! I do need to stay with Verizon as I just started a new 2 yr contract in the fall. My oldest went off to college and so we've gone from a cheapo ($20/mon) plan for my 'emergency' and weekend long distance phone to a three phone family with extended text messaging...

REWahoo, thanks, I checked out craigslist and unfortunately there isn't much in my immediate area. haha, good point. I just called Verizon and the people at both their 800 number and the local store told me that Verizon phones don't use a SIM card. The woman at the local store said that the...

Well, I seem to have lost my cell phone and need to buy another one within a day or two if it doesn't show up. My carrier is Verizon and I just need a basic no frills phone. I can get a free one from Verizon but that means another 2 year contract extentsion which I'd like to avoid if possible...

I kept my old dryer. I recall reading in Consumer Reports that the only reason to update the dryer along with the washer is if the dryer doesn't have a moisture sensor mode.

My 13 year old Matag started leaving grease on clothes so I got a LG at Home Depot for about $500 after all of the tax rebates, etc. So far I love it, less detergent, less water, less dryer time, large capacity and a great 'hand wash' cycle. Perhaps the only negative is the bending down and...

I had an old 20" that weighed a ton, which I didn't mind for TV programs. But I got tired of watching DVD's that took away the top and bottom of the screen. Then trying to read subtitles was even more difficult with my 'old' eyes. So I got a 32" LCD which is great. And shortly after I bought...

Hi Alex, Clever plan to write yourself out of the picture! I'm a CSRS Fed too and will be retiring this leap year at 55 yo w/30 yrs of service. We haven't had an early out option for many years now, so I've had to keep at it until the numbers clicked. Nice that NC doesn't tax Fed pensions...

I've tried to keep a budget, just to 'confirm' where the money goes, but never see it through. Instead I estimate yearly inputs and expenses for various categories based on the previous year and accounting for inflation and major changes. I too have a large miscellaneous allotment which is the...

Summer humidity, mosquitoes, very weathered 'mountains' (coming from a diehard Northwesterner).

Credits and taking the test are definitely dependent on the school's policy, not AP policy. Our school gives AP credit w/o taking the test, but we don't have weighted grading, so all A's are 4.0. However, except for senior year, I think it's advisable to take the exam as colleges know that there...

In my D's college, the high number of AP classes taken by some of her classmates is actually working agianst them. They have enough AP credits to give them junior standing in their second year, but juniors and seniors pay a couple thousand more a year in tuition. Even though they have the...

A good article for anyone who pays the minimum each month, but likely doesn't impact many on this forum. I actually find that twenties slip through my fingers more easily than using my card :p. I've never paid a dime in interest and never intend to, I have a card that pays cash rewards and my...

Federal Soup Vanguard Diehards College Confidential (one kid just graduated from high school and the other a freshman)

Looks like there's been some recent talk about modifying the WEP and GOP in the Senate. But, that's happened before so I'm not holding my breath: http://www.govexec.com/story_page.cfm?articleid=38497&dcn=e_gvet

Coach beat me to it! My first car was a Corvair too. Not a convertible though; it had an automatic transmission that worked via a little lever on the dash board. Can't remember how many times gas station attendants tried to check my oil under the front hood. I earned the car by babysitting my...