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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: 16
Views: 399

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: 28
Views: 1381

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: 54
Views: 1764

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: 3764

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: 1088

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: 195
Views: 19461

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: 1088

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: 195
Views: 19461

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: 933

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: 1869

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: 9093

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: 943

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: 3037

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: 10
Views: 1926

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: 195
Views: 19461

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: 2247

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: 2247

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: 195
Views: 19461

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: 195
Views: 19461

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: 9093

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: 6770

Re: Gutters

Good to know as next year I will be re roofing. I've already had issues with gutters/downspouts and some water in the basement. I fixed what I could myself and have managed to keep most water out of the basement.
by pennstater2005
Wed Sep 03, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Gutters
Replies: 10
Views: 1179

Re: Rewards credit card advice

I too highly recommend the Sallie Mae Mastercard for gas, groceries, and bookstores (where Amazon counts as a bookstore). 5% on the first $250/250/750 per month in those categories. No annual fee, and you don't need a Sallie Mae loan to apply or redeem - redemptions can be statement credits. Intere...
by pennstater2005
Wed Sep 03, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 33
Views: 4719

Re: Determining who makes it past age 90?

My grandma just recently passed. She may have been an exception. She was 96, skinny, didn't exercise, and had an average diet - not super healthy. But, she volunteered at the local hospital until she was 91 and couldn't drive anymore. Her calendar was way busier than mine :happy she never sat aroun...
by pennstater2005
Tue Sep 02, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1905

Re: Determining who makes it past age 90?

My grandma just recently passed. She may have been an exception. She was 96, skinny, didn't exercise, and had an average diet - not super healthy. But, she volunteered at the local hospital until she was 91 and couldn't drive anymore. Her calendar was way busier than mine :happy she never sat around...
by pennstater2005
Tue Sep 02, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1905

Re: Paper or plastic?

Reusable cloth-type bags for groceries. Plastic bags from other stores I take my lunch in.
by pennstater2005
Mon Sep 01, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2829

Re: New 2% cash back Mastercard from Citi

Just signed up as well. Currently rocking the amazon card which is 3% at amazon, 2% gas/restaurant/drugstores, 1% elsewhere and the Quicksilver 1.5% on everything. It is a slight hassle to remember which card to use currently. This card will basically be all I use unless I shop at Amazon : ). I wil...
by pennstater2005
Mon Sep 01, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19461

Re: Gas station etiquette

VictoriaF wrote:
strafe wrote:I'm really amused at how lengthy this silly thread has gotten. Nothing ignites conversation like gasoline, manners, and a catchy diagram.


You are a beneficiary of the lock-up of the "Chicken or Fish" and "Zegna Suits" threads.

Victoria


So true VictoriaF, so true.
by pennstater2005
Thu Aug 28, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2891

Re: How I beat Indexing... in 1 hour

How do you know the promising companies will stay promising and the low performing companies will keep performing low? That's a serious question.
by pennstater2005
Thu Aug 28, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 55
Views: 7744

Re: Gas station etiquette

I'm just impressed with that graphic strafe!
by pennstater2005
Thu Aug 28, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2891

Re: Donald Trump - The Apprentice

chaz wrote:A waste of time.


:thumbsup
by pennstater2005
Thu Aug 28, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1660

Re: If you had an extra $100,000

Pay off remaining high interest student loan debt and plop the rest into LSG.
by pennstater2005
Thu Aug 28, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7176

Re: Zegna Suits

Let us know what you end up getting and how it worked out. For some reason I've been following this thread :oops:
by pennstater2005
Thu Aug 28, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9469

Re: Best way to refinish a garage floor

This thread might be of interest:

viewtopic.php?f=11&t=118999
by pennstater2005
Wed Aug 27, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1468

Re: Bad(?) advice given about Target Date Retirement funds

Target funds for most investors are fine. Recommending them to newly minted Bogleheads is fine. I've used them and Lifestrategy funds with success. I chose by AA and not date which wasn't an issue because they were held in tax advantaged accounts. I look at my investments though, so I know what is h...
by pennstater2005
Wed Aug 27, 2014 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6463

Re: What are you up YTD?

LSG fund, too lazy to check. Could someone google that for me :P
by pennstater2005
Tue Aug 26, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7737

Re: Best nose hair trimmer (is this okay to ask?)

I have this one and it works great - http://www.amazon.com/Panasonic-ER430K-Facial-Trimmer-Cleaning/dp/B000FYVOJC/ref=sr_1_2?ie=UTF8&qid=1408881348&sr=8-2&keywords=panasonic+nose+trimmers. Also note all the positive reviews. They also offer a Panasonic model with a light that I think mi...
by pennstater2005
Sun Aug 24, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2725

Re: Do you take all of your allowed paid vacation time?

I checked five options. I need an option for I take more than allowed vacation time. My last two years I've taken more time than I'm actually given and have had to pay back the company. My place is pretty laid back.
by pennstater2005
Fri Aug 22, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5694

Re: Questions about fertilizing and seeding lawn

I would consider asking this at a lawn forum. That's my plan anyway. I've thought about aerating but am going to take some pics of my grass and yard as a whole and see what these guys think. I registered here: http://aroundtheyard.com/forum.html P.S. Have you considered Milorganite fertilizer. I've ...
by pennstater2005
Tue Aug 19, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1544

Re: Hw many credit cards to own?

Read this: https://www.salliemae.com/credit-cards/sallie-mae-card/ It reports how cash back is earned and below in the fine print gives further detail. Nowhere is Amazon mentioned. I get 1% on Amazon purchases, not 5%. Although that would be nice. It's not mentioned, but presumably Amazon purchases...
by pennstater2005
Mon Aug 18, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 16629

Re: Motorcycle for short commute?

toto238 wrote:Well I am married, so the safety aspect is important to me. Perhaps a small scooter may be a better move safety-wise than a powerful motorcycle.


Once we found out my wife was pregnant, that bike was gone. Used the money to up the amount of money on down payment for house. No regrets.
by pennstater2005
Mon Aug 18, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3748

Re: Hw many credit cards to own?

I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's been pretty solid. Doesn't your Sallie Mae card return 5% for Amazon purchases, too? Old posts here and here : I get 5% back on gas, groceries, and books (including all amazon.com purchases) through the sallie ma...
by pennstater2005
Mon Aug 18, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 16629

Re: Hw many credit cards to own?

I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's been pretty solid. Doesn't your Sallie Mae card return 5% for Amazon purchases, too? Old posts here and here : I get 5% back on gas, groceries, and books (including all amazon.com purchases) through the sallie ma...
by pennstater2005
Mon Aug 18, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 16629

Re: Hw many credit cards to own?

Earlier in the thread I said four. I acquired the Fidelity American Express card for the 2% cash back and it's fantastic. I've only run into a few places that don't accept it because of their higher merchant fees. I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's...
by pennstater2005
Mon Aug 18, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 16629

Re: POLL: Breaking up with advisor

We both cried. Just kidding :) I asked about index funds and he told me they were overrated. I'm not an idiot, or at least I like to think I'm not, and I knew something was up. Bye bye!
by pennstater2005
Mon Aug 18, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 3126

Re: Most Hated Brokerage Firm? [or one that you love]

No hate or love. Vanguard's services are fine for me.
by pennstater2005
Sun Aug 17, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7463

Re: Options on Watching NFL Games

check out stream2u.tv on the web :happy What's the catch? I watched a pre-season game, it is also on Fox. Looks like it is streaming about 1 minute behind TV. Are all games on this site? Allan Sometimes the links don't work. There are all those little tiny x's you have to click to get rid of all th...
by pennstater2005
Sun Aug 17, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 1619
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