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Re: Bogelheads has made me obsessive about our money

mickens16 wrote:I was the same way when I started reading this forum. But as time rolled on I rarely look anymore.


Same here. I had apps on my phone. It's all gone now. I check only occasionally.
by pennstater2005
Sun Feb 01, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Bogelheads has made me obsessive about our money
Replies: 24
Views: 2149

Re: POLL: How Will You Complete Your 2014 Taxes?

I said freetaxusa above, however noticed in the address bar while filing it said tax hawk.

http://www.taxhawk.com
by pennstater2005
Sun Feb 01, 2015 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 41
Views: 2252

Re: Filed your 2014 Federal Taxes yet?

Starting tonight. Mine are really simple.
by pennstater2005
Sat Jan 31, 2015 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 50
Views: 2508

Re: Online Checking Accounts

Recent thread that might give some insight: Best Online Savings Bank

viewtopic.php?f=2&t=153926
by pennstater2005
Sat Jan 31, 2015 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Online Checking Accounts
Replies: 6
Views: 505

Re: How to respond when someone asks how much money you make

selftalk wrote:I would say that you would have to ask my accountant.


Oohhhh, I'm using that one!
by pennstater2005
Sat Jan 31, 2015 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 80
Views: 6448

Re: POLL: How Will You Complete Your 2014 Taxes?

I use Free Tax USA. Been using it now for about ten years. Free federal and $12.95 state.
by pennstater2005
Sat Jan 31, 2015 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 41
Views: 2252

Re: Online Checking Accounts

I like Ally. Fairly quick transfers of money in and out. Mobile check deposit. Free checks. All ATM fees reimbursed. Continually updated website and app. And .99% savings account rate. 10% interest checking for balances under $15k. Have used customer service multiple times with issue always resolved...
by pennstater2005
Sat Jan 31, 2015 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Online Checking Accounts
Replies: 6
Views: 505

Re: valentines roses

I buy flowers on random days when she least expects it.
by pennstater2005
Sat Jan 31, 2015 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: valentines roses
Replies: 8
Views: 718

Re: How to respond when someone asks how much money you make

I just make up a number that I think will bother them the most :twisted:
by pennstater2005
Sat Jan 31, 2015 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 80
Views: 6448

Re: Would anyone go 100% bonds if...

I'd start buying land.
by pennstater2005
Fri Jan 30, 2015 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Would anyone go 100% bonds if...
Replies: 40
Views: 2878

Re: How do you "Stay the Course"?

By tuning out the noise, which isn't that hard since I don't have any financial apps or CNBC on at home. My money is automatically invested each month. I peek only occasionally now. Hell, the most noise I hear is at bogleheads but it's mostly good noise :beer
by pennstater2005
Fri Jan 30, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 65
Views: 5089

Re: What is your BMI?

I'm overweight, borderline class 1 obese. We have this scale in my clinic. Have to use it now during PT evaluations. It makes me laugh. Guys that come in who are weightlifters are always obese by this scale.
by pennstater2005
Thu Jan 29, 2015 6:19 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 1899

Re: AliBaba

I learned that word here too :happy
by pennstater2005
Thu Jan 29, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 151
Views: 13054

Re: AliBaba

TheRightKost87 wrote:I just came here to :D at the BABA investors as they :oops:

Glad I'm sticking to indexing


Schadenfreude. Not cool.
by pennstater2005
Thu Jan 29, 2015 11:26 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 151
Views: 13054

Re: Best Online Savings bank

I like Ally. Fairly quick transfers of money in and out. Mobile check deposit. Free checks. All ATM fees reimbursed. Continually updated website and app. And .99% savings account rate. 10% interest checking for balances under $15k. Have used customer service multiple times with issue always resolved...
by pennstater2005
Wed Jan 28, 2015 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 7477

Re: Is there a name for this kind of toilet ?

JLJL wrote:Hexdump I think


There it is.
by pennstater2005
Wed Jan 28, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1219

Re: Is there a name for this kind of toilet ?

Can't offer any advice but man, there's a joke in there somewhere :wink:
by pennstater2005
Wed Jan 28, 2015 8:58 am
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1219

Re: What mutual fund companies do you use?

Vanguard. Had Franklin Templeton fund but expenses were ridiculously high. This was pre-boglehead days :x
by pennstater2005
Tue Jan 27, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 2977

Re: Less than a Million Club Poll, your real number?

dbCooperAir wrote:Not enough votes to mean much of anything but I do find it odd thus far that the single people feel they need twice the amount of us married folk :wink:


I'm married and I voted 300-400k.
by pennstater2005
Mon Jan 26, 2015 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Less than a Million Club Poll, your real number?
Replies: 15
Views: 3284

Re: Less than a Million Club Poll, your real number?

With SS from spouse and myself, even possibly paying out at only 75%, I'm estimating in the 300-500k range with current yearly expenditures. Of course, this is only a guess.
by pennstater2005
Mon Jan 26, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Less than a Million Club Poll, your real number?
Replies: 15
Views: 3284

Re: Success stories of NOT buying more/too much house

I consider myself lucky. I found a small cape cod with 3 bedrooms and 2 full baths and half an acre (double lot) in a neighborhood where most homes are 2 and 1. It has a mortgage we can afford on one salary if needed. Sometimes the rooms feel small but when the utility bills come it's worth it. It's...
by pennstater2005
Mon Jan 26, 2015 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 65
Views: 5978

Re: 400ft Driveway - How do I plow the snow?

Oddly enough, that's about the length of my driveway. To make matters worse, mine is up hill from the road and has a switchback mid-way up. This pretty much described my driveway in central Conn, except mine was closer to 600 feet. Lived in that house for 27 years and initially shoveled it by hand....
by pennstater2005
Sun Jan 25, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 66
Views: 4981

Re: Anyone still keep DVDs?

A few hundred in a bin. I pull them out every once in awhile.
by pennstater2005
Sun Jan 25, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 27
Views: 1760

Re: Poll: Principles of Boglehead Philosopy

Ten, eleven, or whatever is the right number of the Bogleheads principles, provide a comprehensive view of one's personal financial management. Perhaps, things like adequate insurance and estate planning belong here, too. However, the most effective number to focus on is THREE. If you have a list o...
by pennstater2005
Sat Jan 24, 2015 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3535

Re: Poll: Principles of Boglehead Philosopy

. There are no 3, 4 (whatever) important investing principles. The Boglehead investing philosophy is comprehensive -- all 10 principles -- encompassing important investing decisions that enhance our ability (and probability) to meet financial goals. I didn't really read all responses in detail, but...
by pennstater2005
Fri Jan 23, 2015 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3535

Re: Poll: Principles of Boglehead Philosopy

Other than market timing and slice and dicing I don't recall my FA mentioning too many of the others. Wonder why :?:
by pennstater2005
Fri Jan 23, 2015 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3535

Re: $7 gas - what would you do?

Cry, and then get into my car and cry some more while driving to the gas station.
by pennstater2005
Fri Jan 23, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18734

Re: Buying life insurance online

As Grt2bOutdoors noted above:

I used http://www.term4sale.com/ to get quotes and then called my local independent agent who set everything up for me. Ended up using Genworth and got a great price. Very satisfied.
by pennstater2005
Fri Jan 23, 2015 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 720

Re: Poll: Principles of Boglehead Philosopy

Grt2bOutdoors wrote:Keep Investing Costs Low, Diversify Your Investments, Stay the Course! Carry on!


:thumbsup
by pennstater2005
Fri Jan 23, 2015 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3535

Re: Question/Advice for investment

As Mike noted, CD rates are low but it is a safe investment. You're interested in possibly investing this money so the question is; How much money are you willing to lose out of this $3,000?
by pennstater2005
Thu Jan 22, 2015 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question/Advice for investment
Replies: 2
Views: 329

Re: Gotta Be a Bear Market Coming

The economy looks strong with growth up and unemployment down. Nonetheless, I'e got to think this bull market is getting somewhat aged. While I won't resort to market-timing, I am bracing - perhaps irrationally - bracing for a major correction or bear market. bear market comes when people like you ...
by pennstater2005
Thu Jan 22, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7672

Re: Gotta Be a Bear Market Coming

I'm tiring of this bull market. I need some change.
by pennstater2005
Thu Jan 22, 2015 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7672

Re: What do you drive, and why?

2007 Honda Accord because it's reliable and good on gas. It's been virtually maintenance free regarding the engine and transmission. I wish I would've got leather though. My seats are a pain to clean. They're lint magnets and only duck tape gets it off.
by pennstater2005
Thu Jan 22, 2015 5:20 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17381

Re: What is highest paying cash credit card

I think it depends on how you will be using it. In my case, I don't have a car, so I either walk or use public transit; consequently, gas rebates don't matter to me. I also rarely fly, once, perhaps twice a year at the most; therefore, frequent flyer rebates don't matter to me. This. I can't find m...
by pennstater2005
Thu Jan 22, 2015 5:13 pm
 
Forum: Personal Consumer Issues
Topic: What is highest paying cash credit card
Replies: 24
Views: 2567

Re: Poll

I'm not sure. Haven't thought that far ahead. Can someone convince me one way or another?
by pennstater2005
Thu Jan 22, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 700

Re: Should I ask for a raise? If so, how?

Asking for a raise seems appropriate however the power point presentation might be a little much.
by pennstater2005
Wed Jan 21, 2015 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a raise? If so, how?
Replies: 11
Views: 1096

Re: What age did you hit $100,000?

I haven't yet. Got a late start and with student loan debt and a mortgage it's gonna be a haul. I'll get there. This forum has helped me immensely.
by pennstater2005
Wed Jan 21, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5840

Re: The "Less Than" a Million $ Club

Is it odd that I don't have a number? I'm just saving as much as possible and spending only what I need. I've never sat down and figured out a number. At some point, you should determine a "number" or you may end up working years longer than you have to, or forgoing pleasures that you cou...
by pennstater2005
Tue Jan 20, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11118

Re: The "Less Than" a Million $ Club

Is it odd that I don't have a number? I'm just saving as much as possible and spending only what I need. I've never sat down and figured out a number.
by pennstater2005
Tue Jan 20, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11118

Re: Let's Celebrate! Which funds are you buying in 2015?

Lifestrategy growth fund. Let the party begin!
by pennstater2005
Mon Jan 19, 2015 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3601

Re: The "Less Than" a Million $ Club

I'll be in this club when I retire. I'm a low wage earner, especially on this forum, but I'm comfortable and feel fortunate to be where I'm at financially. My needs in retirement will be manageable.
by pennstater2005
Mon Jan 19, 2015 4:37 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11118

Re: Bored when market is closed

Not even a little bit.
by pennstater2005
Mon Jan 19, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2099

Re: spousal or partner frugality comparison poll

Toons wrote:My spouse feels no need to replace anything until what you have is worn out.......Just doesn't like spending money. :happy


Pretty much the same here. We both think about things that might be nice to have but don't really need at the moment.
by pennstater2005
Mon Jan 19, 2015 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: spousal or partner frugality comparison poll
Replies: 18
Views: 1818

Re: Why I like this forum

Whether you are a registered member or just lurking there is always something to be gained.
by pennstater2005
Sun Jan 18, 2015 4:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2277

Re: Car seat for toddler

Just saw your post above. Is she rear facing still?
by pennstater2005
Sun Jan 18, 2015 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Convertible Car seat for toddler
Replies: 11
Views: 839

Re: Car seat for toddler

Check out the Britax Pioneer 70. It harnesses your child up to 70# and then uses the seat belt after that up to 110#. It has two cup holders and supports the head well even when sleeping. It's super easy to install and adjusting the shoulder strap height as they grow is easy too. The seat reclines a...
by pennstater2005
Sun Jan 18, 2015 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Convertible Car seat for toddler
Replies: 11
Views: 839
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