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Re: AliBaba

IPer wrote:pennstater2005 - and I hope it all works out to your approval!


I'm sure it will :happy
by pennstater2005
Mon Sep 29, 2014 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8109

Re: AliBaba

All of you guys talk and talk but ultimately whether you have an individual stock holding or whether those stocks end up in your balanced allocation of index funds you own the stock, now it is your choice to appreciate it or not, in the case of Alibaba I choose to hold a bit more of it and apprecia...
by pennstater2005
Mon Sep 29, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8109

Re: AliBaba

I don't, do you? Not when prefaced with the words "may not".
by pennstater2005
Mon Sep 29, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8109

Re: AliBaba

Jack Ma may not always be there.
by pennstater2005
Mon Sep 29, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8109

Re: Cricket wireless experience

I've never figured out why you would want Republic Wireless, since you're locked into their phones. I very much favor the GSM MVNOs, since switching services is just a SIM card away. And you can use that phone abroad as well. Same applies to CDMA carriers like Verizon and Sprint. Why lock into a pa...
by pennstater2005
Mon Sep 29, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1759

Re: Another thank you to the Bogleheads

You're far ahead of most, even if just in terms of financial wisdom. Congratulations.
by pennstater2005
Mon Sep 29, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Another thank you to the Bogleheads
Replies: 6
Views: 726

Re: [which] toilet paper [from walmart.com?]

Can't you just experiment with different brands? Just buy the smallest pack available. That is going to be a purely subjective venture. I don't cheap out on toilet paper.
by pennstater2005
Fri Sep 26, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 34
Views: 2444

Re: Bill Gross moving from PIMCO to Janus, Monday

I would venture to say that most people who own PIMCO funds have no idea who Bill Gross is. So, they probably won't do anything with the fund.
by pennstater2005
Fri Sep 26, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 106
Views: 8045

Re: Bill Gross moving from PIMCO to Janus, Monday

Does anyone believe the average investor will learn anything from this? Or even care?
by pennstater2005
Fri Sep 26, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 106
Views: 8045

Re: Vanguard Quarterly Dividends in September

You all sound like you're teetering on the edge of subsistence. :D http://1.bp.blogspot.com/_fnsOmb0Fvog/TCTiTM7GycI/AAAAAAAACVw/EpZLH7TdWfI/s1600/soup_line.jpg Free soup available for panicked Vanguard clients who didn't get their dividend checks. Getting their free from soup from Al Capone noneth...
by pennstater2005
Thu Sep 25, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5011

Re: [S&P is down 1.3% !!!]

For sure, but one does not need to be a sitting duck at times like this in the market. What should one do to avoid being a sitting duck? I don't consider myself a sitting duck. And I'm not sure what "times like this" means. I just keep adding money to my investments monthly, regardless of...
by pennstater2005
Thu Sep 25, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4719

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

tadamsmar wrote:
pennstater2005 wrote:If you believe he has found a winning strategy why not more than 5%? Why not 50%?


Sometimes, "Put your money where your mouth is" is a bad policy.


I agree. However, I was asking a serious question.
by pennstater2005
Thu Sep 25, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1494

Re: Rewards credit card advice

$5,000
by pennstater2005
Wed Sep 24, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 13667

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

If you believe he has found a winning strategy why not more than 5%? Why not 50%?
by pennstater2005
Wed Sep 24, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1494

Re: What did you always wish for but never got?

I tried to think of something clever to say but couldn't, so how bout' wit
by pennstater2005
Wed Sep 24, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5055

Re: Stubbornly Non-Boglehead Husband. What To Do?

John3754 wrote:
bluejello wrote:...What part of "otherwise wonderful and brilliant" did you not get?


How "wonderful and brilliant" would it be if you ended up in financial ruin because of him?


For better or worse.......
by pennstater2005
Wed Sep 24, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7507

Re: Stubbornly Non-Boglehead Husband. What To Do?

[*] Talk to a lawyer to see if there are ways to protect some assets from him and, particularly, any creditors from bets based on margin etc. . ." I second this. I think your risks are NOT limited to the amount he has invested. Creditors are not bound by your agreements . I can't foresee that ...
by pennstater2005
Wed Sep 24, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7507

Re: Stubbornly Non-Boglehead Husband. What To Do?

If you are both managing half and that's working out okay I say leave it alone.
by pennstater2005
Wed Sep 24, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7507

Re: Rewards credit card advice

I am a bit surprised given my credit score and 100% on-time payment. I also got the "we'll let you know" when I applied for the Fidelity AmEx earlier this year, despite also having a great credit score and 100% on-time payment. A few weeks later, the card quietly arrived in the mail. So, ...
by pennstater2005
Wed Sep 24, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 13667

Re: Vanguard Quarterly Dividends in September

You all sound like you're teetering on the edge of subsistence. :D http://1.bp.blogspot.com/_fnsOmb0Fvog/TCTiTM7GycI/AAAAAAAACVw/EpZLH7TdWfI/s1600/soup_line.jpg Free soup available for panicked Vanguard clients who didn't get their dividend checks. Getting their free from soup from Al Capone noneth...
by pennstater2005
Wed Sep 24, 2014 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5011

Re: Bogleheads.org android / iphone app

I inquired about this a couple of years ago:

viewtopic.php?f=3&t=101930
by pennstater2005
Tue Sep 23, 2014 10:41 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 14
Views: 1106

Re: It's pretty freaky watching your stocks go up & down all

It's exactly why I stopped looking. I had an app called Wikinvest on my phone when I owned individual stocks and even for awhile after I had transitioned into index funds. I looked all the time when I had that app. Finally, I couldn't take it anymore, so I deleted the app and only rarely now do I kn...
by pennstater2005
Tue Sep 23, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5407

Re: operating cost of this forum

Is there a way that my computer would recognize this site? I keep forgetting to use bogleheads link. I would like to support this site. What about taking the link from the home page and making a link in your favorites, or on the favorites bar, simply called "Amazon" Then if you click that...
by pennstater2005
Tue Sep 23, 2014 8:28 pm
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 42
Views: 5220

Re: Do you consider Dan Wiener to be a Boglehead?

Never heard of him. Now, back into my hole.
by pennstater2005
Tue Sep 23, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Re: AliBaba

And the forty thieves. Oh thank God, I couldn't have been the only person who says that every time I hear Alibaba!! :D I'm not buying individual stocks right now and I definitely don't have 75K I gamble with so I'm out. Actually I was thinking of this: Go to 1min 35 seconds of clip https://www.yout...
by pennstater2005
Fri Sep 19, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8109

Re: AliBaba

And the forty thieves.
by pennstater2005
Fri Sep 19, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8109

Re: Any success stories of ppl who never made >$50,000?

Yes,It CAN be done Live beneath your means,for decades Separate wants ,from needs Budget ,budget,budget with software and STICK to it Avoid ANY kind of debt(Pay yourself interest,not someone else) other than a house. buy used cars when starting out If you are going to work for a company ,try to fin...
by pennstater2005
Tue Sep 16, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10003

Re: Any success stories of ppl who never made >$50,000?

I make just over 50k including my wife's part time work. I am managing to save, although not as much as I'd like, enough for a comfortable retirement. I do count on SS being there in some form though. I've never felt like I didn't belong here because of my lower income. Boglehead principles still ap...
by pennstater2005
Tue Sep 16, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10003

Re: How often do YOU rebalance and when?

Vanguard does it for me, for a price of course :happy
by pennstater2005
Tue Sep 16, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1976

Re: What's in your tax advantage accounts?

Lifestrategy growth in both mine and my wife's IRA's. We transfer her simple IRA into her Tira twice a year.
by pennstater2005
Mon Sep 15, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3927

Re: Good hobby for a bright/obsessive 9 year old?

InvestorNewb wrote:
livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.


After they're dead, of course. We did it when I was in elementary school.
by pennstater2005
Mon Sep 15, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3060

Re: Angry when stock market is down

Angry when my car insurance goes up, edgy when my blood pressure is up, cranky when my football team loses. Stock market down? Least of my worries....... 8-)
by pennstater2005
Fri Sep 12, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4160

Re: Individual stock

MnD wrote:
pennstater2005 wrote:
MnD wrote:Radio Shack!


:twisted:


No guts no glory! Swing for the fences!
The Shack comeback...... :mrgreen:


Radio Shack is still open? :wink:
by pennstater2005
Thu Sep 11, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Individual stock
Replies: 21
Views: 1236

Re: New 2% cash back Mastercard from Citi

This thread has motivated me to (finally) open a Fidelity Cash Management Account as well as apply for the 2% American Express. I should have done this years ago, I've been using a 1% cash back card from USAA. You don't have to open the cash management account. You can just redeem your rewards as a...
by pennstater2005
Thu Sep 11, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23384

Re: Individual stock

MnD wrote:Radio Shack!


:twisted:
by pennstater2005
Thu Sep 11, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Individual stock
Replies: 21
Views: 1236

Re: New 2% cash back Mastercard from Citi

This thread has motivated me to (finally) open a Fidelity Cash Management Account as well as apply for the 2% American Express. I should have done this years ago, I've been using a 1% cash back card from USAA. You don't have to open the cash management account. You can just redeem your rewards as a...
by pennstater2005
Thu Sep 11, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23384

Re: Cell Phone Plans

I'm loving the competition. Right now I'm on Consumer Cellular which gives me 4G-LTE with partner roaming on AT&T network. I need no more than 300Mb data and 600 min talk, which runs about $30/month. You can change plans anytime, so if I ever wanted to move up to 1200 min talk w/1Gb data that w...
by pennstater2005
Wed Sep 10, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 12
Views: 944

Re: Do you keep paper copies of your investment statements?

I voted no. You may want to edit your title to include (POLL), could generate more responses.
by pennstater2005
Tue Sep 09, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1903

Re: How do you keep your electricity bill low?

I still use incandescents throughout my house but am considering switching to LED's soon. I've always used the incandescents because I like the soft, warm light and CFL's, for me, could never quite get it right. And they took too long to light up fully. I want instant light when a switch is turned o...
by pennstater2005
Mon Sep 08, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9198

Re: POLL : SP500 next : 1900 or 2200?

cfs wrote:I don't know but I do care.

I don't know but I do care - it could go down to 1900, it could go up to 2100 followed by 2200, only time will tell.

Thanks for reading.


Where'd your dinosaur avatar go? I liked it! Bring him back! Oh.....poll.....right.........2200 of course :P
by pennstater2005
Sat Sep 06, 2014 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 14
Views: 947

Re: Do you consider your emergency fund part of your portfol

No way. Even tho I carry a significant balance in my cash reserves (don't have a so-called EF), I plan on spending that cash at some time in the immediate future. My investment portfolio is for long-term. Same here. The cash I have is for use in the immediate or near future for planned and unplanne...
by pennstater2005
Sat Sep 06, 2014 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3050

Re: operating cost of this forum

The Amazon link. Concur with using the link. I have the link to Amazon bookmarked on all my computers, that's the only way I access Amazon and I am a frequent buyer. Thanks for reading. This is what I do now. The Boglehead link is named "Amazon" and is up in my bookmarks bar on my Macbook...
by pennstater2005
Sat Sep 06, 2014 2:50 pm
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 42
Views: 5220

Re: New 2% cash back Mastercard from Citi

I was able to get there, but on the "manage and redeem page" I couldn't find an auto redeem. I see redeem as check, statement credit, and to a Fidelity account. I don't see anywhere to set one of these up so they occur automatically. I couldn't find it either when I first got the card a f...
by pennstater2005
Fri Sep 05, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23384

Re: Warning level

I'm hoping posting in this thread doesn't result in level 2!
by pennstater2005
Fri Sep 05, 2014 11:37 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2311

Re: Warning level

My warning level is one. I know why :wink:
by pennstater2005
Fri Sep 05, 2014 11:11 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2311

Re: New 2% cash back Mastercard from Citi

I was able to get there, but on the "manage and redeem page" I couldn't find an auto redeem. I see redeem as check, statement credit, and to a Fidelity account. I don't see anywhere to set one of these up so they occur automatically.
by pennstater2005
Fri Sep 05, 2014 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23384

Re: New 2% cash back Mastercard from Citi

The 2% Fidelity AmEx card's auto-redeem feature is more valuable to me compared to the Visa/MC vs. Amex acceptance difference (I don't face it even once a month). However, I do have a Citi MC that's my oldest credit account and I keep open for credit history/score purposes - so I might look into ch...
by pennstater2005
Thu Sep 04, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23384

Re: How do you keep your electricity bill low?

We don't have central AC, just a couple small units in the kids room which only run when they're in their for naps and bedtime. We turn off lights when not in those rooms. I don't feel like we do anything special to keep our bills low. Average bill is $45 (1300 sq ft house).
by pennstater2005
Wed Sep 03, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9198

Re: Did you reveal to your kids...your savings and salary

So far my 2 year old knows daddy goes to work to pay bills and make money. At least that's what he tells his grandma.
by pennstater2005
Wed Sep 03, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6889
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