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Re: how to ask friend my money back?

I don't think there is any easy way to ask for money. It's usually a little uncomfortable. If it was money I was ok with not seeing again I would let it go and just not lend him money anymore. If it's money you really need then I would ask.

Next time leave your wallet at home :twisted:
by pennstater2005
Sun Apr 26, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 20
Views: 1770

Re: What is a Boglehead?

Agree to disagree :D
by pennstater2005
Sun Apr 26, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 54
Views: 2528

Re: What is a Boglehead?

Nobody knows nuthin!
by pennstater2005
Sat Apr 25, 2015 7:27 am
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 54
Views: 2528

Re: Who follows Age in Bonds

It boils down to need, ability, and willingness to take risk.
by pennstater2005
Sat Apr 25, 2015 6:09 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4324

Re: Who follows Age in Bonds

20% in bonds at age 36. I'll revisit this when I'm 40 per my IPS. Doesn't mean I'll change anything though. Just, revisit.
by pennstater2005
Fri Apr 24, 2015 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4324

Re: How much do you pay in Property Taxes?

1/2 acre in western PA with small cape cod home = $1750.
by pennstater2005
Thu Apr 23, 2015 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 184
Views: 9228

Re: Age in Bonds Poll

I don't follow age in bonds but I believe it's a good starting point for an investor who is unsure of what bond allocation is best.

Once said investor becomes more comfortable with investing then adjustments can be made per risk tolerance.
by pennstater2005
Thu Apr 23, 2015 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3668

Re: Why I Chose Target Retirement Funds

Tax implications play a big role for lots of people. However, the OP does seem to be only talking about himself. His title says "I".
by pennstater2005
Wed Apr 22, 2015 6:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6006

Re: Single best piece of personal finance advice ever receiv

Save early and save often to enjoy the power of compounding. Maybe show them the classic 25 year old versus the 35 year old scenario:

http://www.businessinsider.com/amazing- ... est-2014-7
by pennstater2005
Sun Apr 19, 2015 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6870

Re: John Bogle's Don't Peek Challenge

I only lasted a day.
by pennstater2005
Sat Apr 18, 2015 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 146
Views: 12338

Re: What Is The Worst Car You Have Ever Owned?

1992 Chrysler LeBaron. It was a teal color. I honked one time at some girls and my buddy ducked down in the seat. I think the girls might have laughed :oops:

Head gasket at like 60k. Swapped another friend titles for his 78 Ford F150. He got a deal :D
by pennstater2005
Sat Apr 18, 2015 1:52 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1769

Re: Schwab Bank Investor Checking down to 0.06% APY

Ally is .10% for checking with no minimums. And 1% for savings. Atm reimbursement. The list goes on.
by pennstater2005
Sat Apr 18, 2015 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Schwab Bank Investor Checking down to 0.06% APY
Replies: 9
Views: 1204

Re: What are you up YTD?

For me, on the "my home" page you can see the personal performance graph. Underneath it, it says "performance details". I just clicked on that and then onto "investment prices and returns" and there are all the returns of my fund(s) including: YTD and 1,3,5 and 10 year...
by pennstater2005
Fri Apr 17, 2015 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39173

Re: What are you up YTD?

How do you calculate your YTD returns? Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD That only gives the $ amount, not the percentage. Or did I miss something here? my percentage part is blank also. just shows the dollar amount. Yes same here. For YTD o...
by pennstater2005
Thu Apr 16, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39173

Re: how to deal with it [regret over past investing choices]

I realize that reading about investment mistakes is entertaining, probably more so than reading about success. Maybe because I can feel better about myself and my mistakes. It is more easy to like a person that has made a mistake and moved on. People who did everything right in their life, are ofte...
by pennstater2005
Sun Apr 12, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5763

Re: regret and depression...how to deal with it

kenschmidt wrote:I try to remember that I am going to go to sleep tonight in a comfortable bed, with a roof over my head, safe and with (more than) enough to eat for the day. Many don't have even that.


This rings very true to me. I try to think about this often as it helps to keep things in perspective.
by pennstater2005
Sat Apr 11, 2015 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5763

Re: Favorite Boglehead Avatar?

I like indexfundfan's avatar:

Image

memberlist.php?mode=viewprofile&u=82
by pennstater2005
Sat Apr 11, 2015 3:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4803

Re: WSJ: You may need less than 80% in retirement

I just save what I save and that's what I'll have.
by pennstater2005
Fri Apr 10, 2015 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9051

Re: On a budget and Friday night

Nobody's answered what rich folks do :wink: We like to go look at our massive fountain in front of the estate and then laugh at the common folk who drive by. :moneybag
by pennstater2005
Fri Apr 10, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5098

Re: making the switch to Ally Bank

Twice i have asked a fairly simple/basic question related to opening an Ally account but no one has answered it. I thought it might be something others would be interested in knowing too. You open an Ally account and then link the two accounts together. I can transfer money back and forth between t...
by pennstater2005
Thu Apr 09, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4171

Re: making the switch to Ally Bank

I've had only good experiences so far. Cash hasn't been an issue as I just spend it on groceries or other monthly expenses rather then deposit it.
by pennstater2005
Wed Apr 08, 2015 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4171

Re: should I add Gold Fund to my portfolio?

I agree with the others. Initially, at least, keep it simple and see how you like managing those four funds. You've got your bases covered. Read here and on the wiki and then maybe you might tinker a little bit. Personally, I'm in a lifestrategy fund and like the auto re balancing feature. Good luck.
by pennstater2005
Tue Apr 07, 2015 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1670

Re: Transfer portfolio to Vanguard & Betterment

This is Betterment's fee structure in the link below. You would be paying them .15% to manage your money. It includes re balancing and tax loss harvesting. Mind you, this is in addition to the actual funds underlying expense ratio. I think you're better off without them although that's not a terribl...
by pennstater2005
Tue Apr 07, 2015 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer portfolio to Vanguard & Betterment
Replies: 28
Views: 1369

Re: Clean investing in a single stock

a wrote:I bought it today. It's actually kind of
close to 10% of our taxable I guess if
you count houses and everything.

We have a fair amount in non-taxable.


Is this a buy and hold strategy or do you have an exit plan?
by pennstater2005
Tue Apr 07, 2015 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 47
Views: 4774

Re: Which Moto G or a different phone?

Just made this recommendation in a different thread. The camera is very good as well as HD video. Blu Studio 5.0 C HD. I've had mine for about six months or more and it's been flawless. These phones are unlocked GSM. They have dual SIM card slots as well which I found interesting. You could use one ...
by pennstater2005
Tue Apr 07, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Which Moto G or a different phone?
Replies: 20
Views: 2093

Re: Cell phone question

I used my camera for Easter to film the kids egg hunt. It turned out great. I have a nice DLSR but mostly use my camera phone. It's sad but it takes more than acceptable pictures and the videos are in full HD. My phone uses the Android platform and so I use google+ which automatically backs up my ph...
by pennstater2005
Tue Apr 07, 2015 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 944

Re: Sell in May and go away

Heard of this but don't employ it. I simply purchase my fund twice a month and live my life. I don't worry about things I can't control. It's working pretty good so far.
by pennstater2005
Tue Apr 07, 2015 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Sell in May and go away
Replies: 15
Views: 3349

Re: Why Vanguard Why?

Every time I do a transfer of my wife's Simple IRA I have to print out the signature forms and mail them in. I do it twice a year. It feels like extra security and I like it.
by pennstater2005
Sat Apr 04, 2015 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 6847

Re: A 'Like' Function for Posts on this Forum

Other rejected "like" button threads: http://www.bogleheads.org/forum/viewtopic.php?f=3&t=67605 http://www.bogleheads.org/forum/viewtopic.php?p=1559453#p1559453 http://www.bogleheads.org/forum/viewtopic.php?t=82484 https://www.bogleheads.org/forum/viewtopic.php?f=3&t=112738 Oh, and...
by pennstater2005
Thu Apr 02, 2015 8:15 pm
 
Forum: Forum Issues and Administration
Topic: A 'Like' Function for Posts on this Forum
Replies: 18
Views: 1221

Re: New Car Tires from Discount Tire

I used Discount tire in the past. All good experiences. Recently, I've been using http://www.tirebuyer.com They seem to have a better selection. Two sets of winter tires and one set of all seasons bought from tire buyer. I have my local mechanic install the tires. There is a warehouse about an hour ...
by pennstater2005
Thu Apr 02, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: New Car Tires from Discount Tire
Replies: 23
Views: 2678

Re: A 'Like' Function for Posts on this Forum

I'm more of a thumbs up guy myself :thumbsup :thumbsup
by pennstater2005
Thu Apr 02, 2015 1:16 pm
 
Forum: Forum Issues and Administration
Topic: A 'Like' Function for Posts on this Forum
Replies: 18
Views: 1221

Re: Vanguard Target Retirement Fund

Not that you couldn't find this yourself but, a list of the international bond holdings: https://personal.vanguard.com/us/FundsAllHoldings?FundId=1231&FundIntExt=INT&tableName=Bond&tableIndex=0&sort=marketValue&sortOrder=desc To me it appears the majority of the bond holdings are...
by pennstater2005
Wed Apr 01, 2015 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund
Replies: 12
Views: 2093

Re: Vanguard Target Retirement Fund

Which target fund are you referring to? If it's the Target retirement income fund it does have TIPS at 16.7% of portfolio. The target date funds of 2015 and 2010 also includes TIPS in smaller percentages. I cannot speak to the international bond allocation although it does seem to be at a pretty sma...
by pennstater2005
Wed Apr 01, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund
Replies: 12
Views: 2093

Re: A special day for two World War II veterans

Congratulations Taylor and John! What a special day that must have been. Happy sailing :sharebeer
by pennstater2005
Wed Apr 01, 2015 7:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A special day for two World War II veterans
Replies: 20
Views: 1581

Re: International increase in Target Retirement & LifeStrate

Pingo - if one makes conscious decisions for their AA and writes in in their IPS around - stock/bond, domestic/int'l, value weighting, small cap weighting. reit's etc. - then they need to be able to stay the course with respect to the deliberate decisions they made relative to their intentionally s...
by pennstater2005
Wed Apr 01, 2015 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 20805

Re: If you had 1 [investing] book to recommend...

I found out that after reading one investment book all the others seemed somewhat redundant. Not to say they weren't good, informative books, just very similar in the principals espoused. I've got a few unread books lying around I'll probably never get to :D
by pennstater2005
Tue Mar 31, 2015 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 51
Views: 4898

Re: Dip? What Dip? Did you catch it?

How many ways can I spell "No"? :) Are you talking to me? If so it would be better to post what you are spelling "no" to. Do you know how to use the quote feature? You probably just enlightened livesoft. 37,730 posts and because of you he now knows how to use the quote feature. ...
by pennstater2005
Mon Mar 30, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12609

Re: Did you learn anything from 2008?

I learned that not knowing what the hell I was doing worked out well. Sure, I owned an over priced Franklin Templeton fund but I didn't sell, I just kept making my small monthly contributions. I knew the market was dropping daily in big chunks but I didn't really know what that meant. I was pretty n...
by pennstater2005
Mon Mar 30, 2015 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8521

Re: Why Buying a *New* Car Makes Sense? Please help!

Since when is 26/34 mpg terrible fuel efficiency?
by pennstater2005
Mon Mar 30, 2015 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5555

Re: How many of you invest in individual stocks?

I held stock positions in Coke, Berkshire (B shares), Alcoa, GE, Universal Insurance, Fannie Mae, Ford, Bank of America, Pepco and others. I held onto them awhile even after I found Bogleheads. I wasn't a buy and hold kind of guy with individual stocks for whatever reason. I got too antsy too quick ...
by pennstater2005
Sun Mar 29, 2015 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4884

Re: Increasing REIT holding in a ROTH

Real Estate is about 4.1% in FSTVX so if you are basing it off of that holding a 6% tilt may be appropriate to achieve your roundabout 10% number.

http://portfolios.morningstar.com/fund/ ... ture=en-US (Scroll down to see sector weighting percentages)
by pennstater2005
Sun Mar 29, 2015 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Increasing REIT holding in a ROTH
Replies: 10
Views: 1018

Re: Increasing REIT holding in a ROTH

VTSMX and VIPTX both hold around 3.8% REITS relative to about 2.13% for the S&P 500. http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx - VTSMX http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx - VIPTX I don't think it's about being out of whack, it's about do ...
by pennstater2005
Sun Mar 29, 2015 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Increasing REIT holding in a ROTH
Replies: 10
Views: 1018

Re: If you had 1 book to recommend...

I've now read about ten books over the past couple of months. The best is Bernstein's Intelligent Asset Allocator. Number 2 is Malkiel's Random Walk. Next is Chancellor's Devil Take the Hindmost. This third one really helps to understand why "this time its not actually different"! I need ...
by pennstater2005
Sat Mar 28, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 51
Views: 4898

Re: Poll: Would you be disappointed if Vanguard advertised m

You need a poll option for "indifferent". Where's the indifferent emoticon?……ah here it is :|
by pennstater2005
Wed Mar 25, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Would you be disappointed if VG advertised more?
Replies: 19
Views: 1368

Re: Buying a house that had a Dog

I'll second that previous owners are worse than any dog, cat, or pet. The guy that owned my home was the worst kind of DIYer. Horrible re-wiring efforts, 2 pronged outlets replaced with 3 pronged outlets but not grounded……I could go on and on. Our home inspector was the worst :x
by pennstater2005
Sun Mar 22, 2015 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2625

Re: One Level or Two Level House

My wife and I both wanted a brick, single story ranch with two car attached garage. It didn't work out that way. We were limited in our area search size and financially. We ended up with a 1.5 story Cape Cod. The bedrooms upstairs are actually decent sized and there is a full bath as well. It's not ...
by pennstater2005
Sun Mar 22, 2015 8:06 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5904

Re: Restaurant tipping

I ate in a restaurant a few years back with my wife. Literally no one else in the section we were in. After our dinners were brought out we never saw the waitress again. Although I could hear her laughing in the back with co-workers. I had to go up to the bar to get drink refills and ketchup. No tip...
by pennstater2005
Sat Mar 21, 2015 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12582

Re: Buying a house that had a Dog

Fleas are the most obvious problem. A second is if it's an older house that has carpet over wood floors. If the dog has urinated on the carpet it can seep down and stain hardwood floors. We had this issue. Carpeted floors with dogs that urinated on them, which then stained the hardwood floors black...
by pennstater2005
Sat Mar 21, 2015 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2625

Re: [New Member Observations- Covered Calls, Financial Advis

I retitled the thread. OP - if you disagree, just edit the Subject: line in Post #1. For the purposes of this discussion, "financial advisor" refers to an Investment adviser . OP? He left the building some time ago when he realized he couldn't sell something. Paul OP left Wednesday March ...
by pennstater2005
Fri Mar 20, 2015 6:56 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 227
Views: 17227

Re: Do you still use currency or have you gone all-plastic?

Credit cards anywhere they're accepted. Usually have a $20 with me but never remember how it got there. Kids birthday money I was supposed to deposit?
by pennstater2005
Sun Mar 15, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3302
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