Not long ago I told you all how I'm reorganizing my investments. This post will give a bit more detail on what I'm doing. Specifically, it will tell how I saved some money while investing and thus will improve my investing return.

As I noted previously, I sold several of my older funds and consolidated the amounts into these three funds:

But what I didn't say was that I had enough in my various accounts to convert the first two to Vanguard Admiral shares. What are Admiral shares? They are the same shares as those held in a "regular" Vanguard fund (same value, stocks, etc.) except their expense ratios are lower

Remember the theater that wouldn't let me take food into it? Well, one of the flagship theaters in that local chain is closing? Think the two are related? Probably not, but conspiracy theory lovers will see at least a small connection. ;-)

Here's a piece from MSN Money that lists what they think it takes for a person to be called a saver. They say that you are a saver if you:

Save more than 20% of your earned income each year.

Spend and give away less than 3% of your total net worth each year.

Increase your net worth by more than 5% from year to year.

Here's where I fall on all of these:

1. Yes, we save more than 20% of our earned income each year.

2. Not exactly sure what they're talking about here. Our net worth is always increasing (unless the market tanks like this year), so we don't lose anything (much less 3%) -- if that's what they are suggesting (which I think it is). I find it hard to believe that they mean you spend/give an amo

The details:

Beginning Monday, Nov. 17--just ahead of Thanksgiving Eve, consistently one of the three busiest nights in the pizza industry--any Facebook user who becomes a "fan" of the official Papa John's page will receive an online redemption code for a free medium pizza with any online pizza order.

Enjoy!